Editorial policy
This is the operational document governing every page on kvikuloan.ph that is not a regulatory notice or a transactional flow — meaning the calculator, the trust hub, the comparisons, the reviews, and the educational guides. We publish it so borrowers can audit how the content gets made and what is and is not allowed.
We verify SEC Certificate of Authority numbers, BSP Circular 1133 s.2021 rate-cap compliance, and SEC MC 19 s.2019 disclosure requirements for every lender mentioned. Operated by Virix Labs as a disclosed Marketing and Technology Service Provider for Kviku Lending Co., INC.
Who writes the content
Drafts are prepared by Virix Labs writers with reference to public regulator documents (SEC, BSP, NPC, BIR) and to the live published terms of each lender we compare. Every page is reviewed before publication by the Virix Labs editorial team, which audits SEC Certificate of Authority numbers, BSP rate-cap claims, and disclosure language against the relevant circulars.
What we cite, and how
- Primary sources first. SEC circulars, BSP memoranda, NPC issuances, BIR revenue memoranda. These are linked directly to the official document where possible.
- Lender data from the lender. Maximum amounts, term ranges, and payout options come from each lender's own published terms and app store listing. We do not invent numbers.
- Borrower stories with consent. Featured reviews are submitted by real Kviku borrowers who consented to publication. Some names are shortened on request. Featured-review compensation (₱500 GCash) is disclosed openly.
- No fabricated quotes, ratings, or testimonials. If we cite an external review aggregate (e.g., a third-party SEC-data mirror), we link to it directly. We do not synthesize fake stars or made-up testimonials.
How often we re-verify
- SEC-registered lender list: re-verified monthly against checkwithsec.sec.gov.ph. Status changes (suspensions, delistings, new CAs) reflected within 7 days.
- BSP rate caps and SEC disclosure rules: re-checked quarterly. Any new circular triggers a same-week content update.
- Competitor product terms: re-checked monthly against each lender's app and website.
- Kviku product terms: real-time. Whenever pricing or terms change in our backend, the calculator and the disclosure pages update on the next deploy.
The "Last updated" stamp at the bottom of every page reflects the most recent re-verification. We do not pretend a page is fresh when it is not.
Corrections
If you find a factual error on this site — a wrong CA number, a stale rate-cap figure, an outdated competitor term — email editorial@kviku.ph with the page URL and the correction. We respond within 48 hours and, for confirmed errors, log the correction openly in the page's next update.
What we will not publish
- Guaranteed-approval claims for Kviku or any other lender (SEC MC 19 s.2019 violation).
- Earnings guarantees for partners or borrowers (looks like investment solicitation, triggers SEC review).
- Fabricated borrower testimonials or made-up star ratings.
- Anonymous attack content against named competitors. Comparisons are fact-based and cite both pros and cons honestly.
- Hidden affiliate links. If a link is sponsored or revenue-share, it is labelled clearly.
Why we publish this policy
Borrowers in the Philippines have learned the hard way that some "loan app review" sites are operated by the lenders being reviewed, or by aggregators with undisclosed payouts. We avoid that pattern by publishing the operating relationship openly (Virix Labs as a disclosed Marketing and Technology Service Provider for Kviku Lending Co., INC.), naming the team that reviews content, and listing what we will not do.