Disclaimer
Gabay is an independent guide, not a government agency. Our content is general information, not legal, financial, or tax advice, and fees and procedures can change.
Not a government agency
Gabay is an independent publisher. We are not a government agency, and we are not affiliated with, endorsed by, or acting on behalf of the NBI, SSS, Pag-IBIG (HDMF), PhilHealth, PhilSys, the PSA, the BIR, the DFA, or any other government body. References to these agencies are made only to explain their public services. All official names and marks belong to their respective owners.
General information, not advice
Everything on Gabay is provided as general information to help you understand common government processes. It is not legal advice, financial advice, tax advice, or professional advice of any kind, and it should not be relied on as a substitute for guidance from the responsible agency or a qualified professional. Your situation may differ from the general case we describe.
Fees, dates, and procedures change
Government fees, requirements, forms, processing times, and procedures change, sometimes without public notice. We date our guides and check them against official sources, but we cannot guarantee that every detail is current at the moment you read it. Always confirm fees and requirements on the relevant official portal before you act or pay. Our How We Verify Our Guides page explains how we source and date our content.
External portals and links
Our guides link to official government portals and other third-party sites. We do not control those sites and are not responsible for their content, availability, accuracy, or practices. When you leave Gabay, the terms and policies of the destination site apply.
No liability
To the fullest extent permitted by law, Gabay is not liable for any loss, delay, cost, penalty, or damage arising from your use of, or reliance on, our content. You use our guides at your own discretion and remain responsible for your own transactions and decisions.
Stay safe
A few safety points that apply to every guide we publish:
- No legitimate agency will ask you for your one-time PIN (OTP), password, or card PIN. Never share them.
- Never pay a fixer. Paying someone to “process” or “speed up” a government transaction is a risk to your money and your data, and it is not necessary.
- Use only the official portals for your actual transactions. Be wary of look-alike sites and unsolicited messages.
- Gabay itself will never ask for your ID number, OTP, password, or PIN.
No professional relationship
Reading Gabay, emailing us, or following one of our guides does not create any professional, advisory, or agency relationship between you and Gabay. We are a publisher, not your representative, and we cannot act for you before any government office. Decisions about your own transactions, documents, and payments remain entirely yours.
Advertising is separate
Gabay is funded by advertising. Advertisements and sponsored placements are separate from our editorial guides and do not influence our guidance. The appearance of an advertisement does not mean we endorse the advertiser, and you deal with any advertiser at your own discretion. To learn more about our independence, see the About Gabay page, and for how we source our guides, see How We Verify Our Guides.