Privacy Policy

GabayPH ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website at gabayph.net (the "Site"). This policy complies with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations.

1. Information We Collect

Automatically Collected Information

When you visit our Site, certain information is collected automatically, including:

• IP address (anonymized)
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website or source
• Device type (desktop, mobile, tablet)
• Approximate geographic location (country/region level)

Information You Provide

If you contact us via our contact form or email, we may collect your name, email address, and the content of your message. We only use this information to respond to your inquiry.

Interactive Tools & Quizzes

Our interactive tools and quizzes store your inputs and results in your browser's localStorage. This data never leaves your device — it is not sent to our servers or any third party. You can clear this data at any time by clearing your browser data or using the "Retake" function on quiz pages. These tools include:

• Expense Tracker
• Bill Splitter
• Loan Calculator
• Savings Quiz
• Financial Health Score
• Budget Personality Quiz
• Government ID Quiz
• Commute Calculator
• Palengke Compare
• Adulting Readiness Quiz
• Credit Card Match Quiz
• Vacation Style Quiz
• Life Milestone Quiz

2. Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC, to analyze how visitors use our Site. Google Analytics uses cookies — small text files stored on your device — to collect information about your visit.

The information generated by the cookie about your use of the Site is transmitted to and stored by Google on servers that may be located outside the Philippines. Google uses this information to evaluate your use of the Site, compile reports on website activity, and provide other services relating to website activity and internet usage.

Google Analytics data is used solely for traffic analysis and improving our content. We do not use Google Analytics to identify individual users.

Learn more: Google Privacy Policy

3. Third-Party Advertising and Affiliate Networks

We display advertisements and earn affiliate commissions through third-party networks, which currently include but are not limited to Adsterra (display advertising, operated by Adsterra Group), Google AdSense (display advertising, operated by Google LLC), and Skimlinks (affiliate link conversion, operated by Skimbit Ltd.), among other display and affiliate partners. These networks may change over time as we evaluate revenue, ad quality, and reader experience.

Skimlinks specifically automatically converts outbound merchant links on our Site into affiliate-tracked links. When you click an outbound link to a merchant (such as a bank, retailer, or service provider), Skimlinks may set a cookie to attribute a small commission to GabayPH if you complete a qualifying purchase. This does not change the price you pay or the product you receive — it simply allows the merchant to share a portion of their existing affiliate budget with us.

These third-party advertising networks may use cookies, tracking pixels, device identifiers, and similar technologies to serve advertisements based on your visits to our Site and other websites. The third-party vendors and ad networks are independent of GabayPH and operate under their own privacy policies.

3.1 What Data Is Shared

When third-party ads are served on GabayPH, the following may be shared with the ad network:

• IP address and approximate geographic location
• Device type, operating system, browser, and screen size
• Referring URL and page being viewed
• Cookie identifiers and any prior advertising-cookie history
• Anonymous interaction signals (clicks, view duration)

GabayPH does not share your name, email address, or other directly-identifying information with ad networks. Ad networks operate on anonymous and pseudonymous identifiers.

3.2 Your Opt-Out Rights

You have the right to opt out of personalized (interest-based) advertising:

• Google AdSense: Visit Google Ads Settings to control personalization across all Google services.
• Adsterra: Refer to the Adsterra Privacy Policy for opt-out instructions specific to their ad serving.
• Industry-wide opt-out: Visit aboutads.info (Digital Advertising Alliance) or youronlinechoices.com (European Interactive Digital Advertising Alliance) for cross-network opt-out.
• Browser-level controls: Most modern browsers allow you to block third-party cookies, enable Do-Not-Track signals, or use private/incognito mode. Refer to your browser's documentation.

3.3 Rights Under Philippine Law (Data Privacy Act of 2012, RA 10173)

As a Filipino reader, you have the following rights under RA 10173 with respect to your personal data processed in connection with advertising:

• Right to be informed about data processing
• Right to access your data
• Right to object to data processing for advertising purposes
• Right to erasure or blocking of your data
• Right to file a complaint with the National Privacy Commission (NPC) at privacy.gov.ph

To exercise these rights with GabayPH directly, contact us via our Contact page. To exercise rights against a specific ad network, refer to their privacy policy linked above.

3.4 Ads Are Not Endorsements

Please note: the appearance of any advertisement on GabayPH is not an endorsement by us of the advertised product, service, or company. We do not vet individual advertisers. See our Terms of Service, Section 9 (Advertising) for the full advertiser-disclaimer language and instructions on reporting problematic ads.

4. Cookies

Cookies are small text files that are stored on your device when you visit a website. Our Site uses cookies for the following purposes:

• Essential cookies — Required for basic site functionality, such as remembering your cookie consent preference.
• Analytics cookies — Used by Google Analytics to understand how visitors interact with our Site (see Section 2).
• Advertising cookies — Used by Google AdSense to serve relevant advertisements (see Section 3).

How to Manage Cookies

You can control and delete cookies through your browser settings. Most browsers allow you to:

• View what cookies are stored and delete them individually
• Block third-party cookies
• Block cookies from specific sites
• Block all cookies
• Delete all cookies when you close your browser

Please note that blocking or deleting cookies may affect your experience on our Site and other websites.

5. How We Use Your Information

We use the collected information for the following purposes:

• To analyze website traffic and improve our content
• To display relevant advertisements via Google AdSense
• To respond to inquiries submitted through our contact form
• To maintain and improve Site functionality
• To detect and prevent technical issues

6. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share anonymized, aggregated data (such as total page views) that cannot be used to identify any individual.

Third-party service providers (Google Analytics and Google AdSense) process data on our behalf as described in Sections 2 and 3 above.

7. Data Retention

Google Analytics data is retained for 14 months, after which it is automatically deleted. Contact form messages are retained only for as long as necessary to respond to your inquiry, after which they are deleted.

8. Your Rights Under the Philippine Data Privacy Act

Under Republic Act No. 10173 (Data Privacy Act of 2012), you have the following rights as a data subject:

• Right to be informed — You have the right to know how your personal data is being collected, used, and processed.
• Right to access — You have the right to request access to your personal data that we hold.
• Right to object — You have the right to object to the processing of your personal data, including processing for direct marketing.
• Right to erasure or blocking — You have the right to request the removal or blocking of your personal data from our systems.
• Right to rectification — You have the right to request correction of any inaccurate personal data.
• Right to data portability — You have the right to obtain your personal data in a structured, commonly used format.
• Right to file a complaint — You have the right to file a complaint with the National Privacy Commission (NPC) if you believe your data privacy rights have been violated.

To exercise any of these rights, please contact us at privacy@gabayph.net.

9. Data Security

We take reasonable measures to protect the information collected through our Site. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our Site is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us at privacy@gabayph.net so we can promptly delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically for any changes.

12. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your data subject rights, please contact us at:

• Email (Privacy): privacy@gabayph.net
• Email (General): hello@gabayph.net

You may also file a complaint with the National Privacy Commission at privacy.gov.ph.