Disclaimer

Last Updated: September 2026

The information provided by UtangOnline.com (“we,” “us,” or “our”) on this website is for general informational and educational purposes only. All information on the site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

1. Not a Direct Lender

UtangOnline.com is an independent, advertising-supported loan comparison platform and aggregator. We are NOT a direct lender, a bank, a financial institution, or a credit provider. We do not issue loans, make credit decisions, or process loan applications. Any loan application you submit is processed directly by the third-party lending company you choose. We do not have access to your credit history or the specific details of your loan approval or rejection.

2. Affiliate Disclosure

Transparency is important to us. UtangOnline.com participates in various affiliate marketing programs. This means that we may earn a commission, referral fee, or compensation from the third-party lenders and financial service providers featured on our website when you click on our links, download an app, or successfully secure a loan.

This service is 100% free for our users. While our affiliate partnerships may influence which products appear on our site and where they are placed, they do not dictate our objective reviews or recommendations. We strive to present unbiased information to help you make the best financial choice.

3. Financial Advice Disclaimer

The content on UtangOnline.com does not constitute professional financial, legal, or investment advice. The information is intended to assist you in comparing available online loan options in the Philippines. You are strictly advised to consult with a certified financial advisor or professional before making any major financial decisions or entering into any loan agreements.

4. Accuracy of Information

While we work hard to keep our data up to date, the financial market is highly dynamic. Interest rates, loan terms, promotional offers, and maximum loan amounts are determined solely by the individual lenders and are subject to change without prior notice. UtangOnline.com cannot guarantee that the rates or terms displayed on our website will exactly match what is offered to you by the lender. Always verify the current terms, Annual Percentage Rates (APR), and official SEC disclosure statements directly on the lender’s official website or application before applying.

Our website contains links to external websites and third-party applications that are not provided or maintained by or in any way affiliated with UtangOnline.com. Please note that we do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. We have no control over the privacy policies or terms of service of these third-party lenders. Once you leave our website and are redirected to a third-party application, you are subject to their rules and policies.

6. Risk Warning

Borrowing money entails significant financial risk. Taking out a loan, especially a short-term or high-interest online loan, can lead to financial difficulties if not managed properly. Late payments or failure to repay your loan can result in additional penalties, increased interest rates, and a negative impact on your credit score. We strongly urge you to borrow responsibly and only take out loans that you are confident you can repay within the agreed timeframe.

7. Limitation of Liability

Under no circumstance shall UtangOnline.com, its team, or its partners be held liable to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Contact Us

If you have any questions, concerns, or require further clarification regarding this Disclaimer, please feel free to contact us:

  • Email: [email protected]
  • Office Address: 12th Floor, Trade and Financial Tower, 7th Ave, BGC, Taguig, Metro Manila, Philippines