Terms of Service

Last updated: May 7, 2026

1. Acceptance of Terms

By accessing and using the GabayPH website at gabayph.net (the "Site"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

Your continued use of the Site after any modifications to these Terms constitutes your acceptance of the revised Terms.

2. Informational Purpose Only

All content published on GabayPH — including guides, articles, tips, and how-to instructions — is provided for general informational purposes only. Our content is not intended to serve as professional advice of any kind, including but not limited to:

  • Financial or investment advice
  • Legal advice
  • Medical or health advice
  • Tax advice
  • Immigration advice

You should always consult a qualified professional before making decisions based on information found on our Site. GabayPH does not establish any professional-client relationship with its readers.

3. No Guarantees of Accuracy

While we strive to keep our content accurate and up-to-date, GabayPH makes no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information on our Site.

Government processes, fees, requirements, forms, and procedures change frequently. The information published on GabayPH may become outdated at any time. Users must always verify current requirements, fees, and procedures directly with the relevant official government agencies or institutions before taking any action.

Any reliance you place on the information on our Site is strictly at your own risk.

4. Not Affiliated with Government Agencies

GabayPH is an independent, privately operated website. We are not affiliated with, endorsed by, or in any way officially connected with any Philippine government agency or department, including but not limited to:

  • National Bureau of Investigation (NBI)
  • Department of Foreign Affairs (DFA)
  • Philippine Statistics Authority (PSA)
  • Bureau of Internal Revenue (BIR)
  • Social Security System (SSS)
  • Home Development Mutual Fund (Pag-IBIG)
  • Philippine Health Insurance Corporation (PhilHealth)
  • Land Transportation Office (LTO)
  • Department of Migrant Workers (DMW)
  • Civil Service Commission (CSC)
  • Department of Social Welfare and Development (DSWD)
  • Department of Health (DOH)
  • National Center for Mental Health (NCMH)
  • Commission on Elections (COMELEC)
  • Department of Education (DepEd)
  • National Commission on Indigenous Peoples (NCIP)

Any references to these agencies are for informational purposes only. For official information, please visit the respective agency's official website.

5. Not Affiliated with Financial Institutions

GabayPH is not affiliated with, endorsed by, or sponsored by any financial institution, fintech company, bank, or investment platform. Mentions of products and services such as GCash, Maya (formerly PayMaya), COL Financial, BDO Securities, and any other financial products or services are purely editorial in nature and do not constitute endorsements, recommendations, or solicitations to use those products or services.

All trademarks, trade names, and logos mentioned on our Site belong to their respective owners.

6. Limitation of Liability

To the fullest extent permitted by law, GabayPH, its owner, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or in connection with:

  • Your use of, or inability to use, the Site or its content
  • Any reliance you place on information published on the Site
  • Any errors, omissions, or inaccuracies in the content
  • Any actions you take or fail to take based on our content
  • Any loss of data, revenue, profits, or business opportunities
  • Any unauthorized access to or alteration of your data

This limitation applies whether the damages arise from contract, tort, negligence, strict liability, or any other legal theory, even if GabayPH has been advised of the possibility of such damages.

7. Intellectual Property

All content on GabayPH — including text, graphics, logos, images, page designs, and the overall arrangement of the Site — is copyrighted by GabayPH and protected by Philippine intellectual property laws (Republic Act No. 8293, Intellectual Property Code of the Philippines).

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without prior written permission from GabayPH, except for:

  • Personal, non-commercial use (e.g., saving a guide for your own reference)
  • Sharing links to our pages on social media or other platforms
  • Brief quotations with proper attribution and a link back to the original page

8. Third-Party Links

Our Site may contain links to third-party websites, including official government agency websites, financial institution websites, and other external resources. These links are provided for your convenience and informational purposes only.

GabayPH does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Visiting external links is at your own risk. We encourage you to review the terms and privacy policies of any third-party website you visit.

9. Advertising

GabayPH displays advertisements served by third-party advertising networks, which currently include but are not limited to Adsterra, Google AdSense, and other display ad partners. These advertisements help us keep our content free and accessible to all readers.

9.1 No Endorsement of Advertised Products or Services

The appearance of any advertisement, banner, native ad, sponsored link, or promotional placement on GabayPH does NOT constitute an endorsement, recommendation, vetting, verification, or guarantee by GabayPH of the advertised product, service, company, or offer. We do not control which specific advertisements appear on our Site — those decisions are made algorithmically by third-party ad networks based on visitor characteristics, geography, advertiser bids, and other factors outside our direct control.

9.2 Verify Before Transacting

Filipino readers should independently verify that any advertised financial product, lender, investment opportunity, gambling operator, or service provider is properly licensed and registered with the appropriate Philippine regulatory body before engaging in any transaction. In particular:

  • Banking and lending products: Verify with the Bangko Sentral ng Pilipinas (BSP) at bsp.gov.ph.
  • Online lending apps: Verify SEC registration at sec.gov.ph. Many advertised online lenders are not SEC-registered and may engage in predatory practices.
  • Investment products and securities: Verify with the SEC and BSP.
  • Insurance: Verify with the Insurance Commission (IC) at insurance.gov.ph.
  • Online gambling, betting, or gaming: Only PAGCOR-licensed Philippine Inland Gaming Operators (PIGOs) are legally authorized in the Philippines. Verify operator licensing at pagcor.ph before participating. Many advertised offshore casinos and sportsbooks are not PAGCOR-licensed.

9.3 User Assumes All Risk

You assume all responsibility and risk for clicking on advertisements, visiting advertiser websites, providing personal or financial information to advertisers, downloading software or applications, applying for loans or credit products, gambling, investing, or making any purchase or commitment based on or in response to advertisements that appear on GabayPH. GabayPH disclaims all liability for any losses, damages, fraud, identity theft, malware infection, regulatory penalties, or other harm arising from your interaction with any advertisement displayed on the Site.

9.4 Editorial Decisions on Ad Categories

We make good-faith editorial efforts to limit the categories of advertisements served on GabayPH. We have instructed our ad networks to filter out: adult content, gambling, dating, weight-loss and miracle health products, sweepstakes, and predatory lending creatives. However, we cannot guarantee that all such advertisements are blocked, as ad networks operate auction-based systems with imperfect category controls.

We additionally do not serve advertisements on certain guides intended for vulnerable readers, including but not limited to: senior citizen benefit guides, scam-recovery guides, and online harassment guides. These pages are intentionally kept ad-free.

9.5 Reporting Problematic Advertisements

If you encounter an advertisement on GabayPH that you believe is misleading, fraudulent, predatory, illegal, or otherwise inappropriate, please report it via our Contact page. We will review the complaint in good faith and, where possible, instruct our ad networks to block the specific advertiser or creative. We reserve the right to remove or block specific advertisements, advertisers, or ad categories at our sole discretion at any time.

9.6 Cookies, Tracking, and Data Sharing with Ad Networks

Third-party advertising networks may use cookies, tracking pixels, device fingerprinting, and similar technologies to serve advertisements based on your prior visits to our Site and other websites. For details on what data is collected, how it is shared, and how to opt out, please refer to our Privacy Policy and exercise your rights under the Philippines' Data Privacy Act of 2012 (Republic Act 10173).

10. Modifications to These Terms

GabayPH reserves the right to modify, update, or replace these Terms of Service at any time, at our sole discretion. Changes will be effective immediately upon posting the updated Terms on this page with a revised "Last updated" date.

We encourage you to review these Terms periodically. Your continued use of the Site after any changes are posted constitutes your acceptance of the modified Terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

Any disputes arising from or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the Republic of the Philippines.

12. Contact Us

If you have any questions, concerns, or feedback about these Terms of Service, please contact us at: