Funding

Bootstrapped. Operator-funded. No outside investors. No grants. No corporate sponsors.

Rate-comparison pages (loans, GPS, remittance, pawnshop) link to providers. When a reader applies through one of these links, the platform may receive a referral commission at no extra cost to the reader. Affiliate status does not influence whether a company is listed as a bad actor and does not move rankings.

A company can be both an affiliate partner and a documented bad actor. The accountability page and the rate page reference each other directly when this is the case.

• Hosting (Fly.io): paid monthly from operator funds.
• Domain: renewal funded out-of-pocket.
• SMS / Telegram bot: free tiers; no per-message billing in current operation.
• Storage: file-based; no SaaS dependencies.

LabanPH is operated as an editorial collective. Individual operator identity is not disclosed for safety reasons given the regulatory-target nature of this work — entities documented here have demonstrated capacity for retaliation against named individuals.

Press inquiries are answered institutionally, not personally.

LabanPH was started in response to documented overcharging patterns including a Filipino consumer's first-hand account of a disputed charge under the small-claims litigation threshold paired with an MCCS kill-switch shutdown. The structural pattern — sub-litigation amounts plus remote-disable leverage — is the documented origin of the platform.

Full conflict-of-interest policy: /methodology.

Any new funding source — investor, grant, donation programme, or sponsorship — will be added here within 7 days of acceptance, with the amount, the funder, and any conditions attached. The change will also appear in the platform update log and at /corrections if it affects past coverage.