Disclaimer

Important information about using Gabay.

Gabay is an independent information website. It is not a government agency and is not affiliated with the NBI, SSS, Pag-IBIG, PhilHealth, PhilSys/PSA, BIR, the DFA, or any bank.

Information, not advice

Our guides are general information to help you understand and use official services. They are not legal, financial or professional advice, and reading them does not create any professional relationship. Always complete the actual process on the official government portal, and confirm current fees, requirements and steps there before you act.

Fees and dates change

Fees, timelines and portal addresses change from time to time. Where we mention a fee we describe it as “as of the current year — confirm on the official portal” rather than stating it as permanent. If a detail cannot be reliably verified, we say so instead of guessing.

External portals

We link to official government portals. We are not responsible for the content, availability or privacy practices of those sites. Always check you are on the correct official domain — scammers copy these pages.

No liability

We verify guides against official sources, but we cannot guarantee that every detail is current at the moment you read it. Gabay is not responsible for losses arising from reliance on the information here. When in doubt, rely on the official portal.

Stay safe

No genuine agency or bank will ever ask for your ID number, OTP, password or PIN. Never share them, and never pay a “fixer” who offers to do an official process for you. Report fraud using our reporting guide.

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The site may carry advertising, which helps keep it free. Ads are clearly separate from our editorial guidance and never change our instructions.