Safe Harbor — CDA §230 + DMCA

LabanPH qualifies as an "interactive computer service" under 47 U.S.C. §230(f)(2). User-submitted complaints, reviews, public-record summaries contributed by users, and Accountability Ledger user-submissions are "information provided by another information content provider" under §230(c)(1).

We are not the publisher or speaker of user-submitted content. We do not pre-screen submissions for accuracy or substance. We exercise editorial discretion in good faith under §230(c)(2) to remove content we deem objectionable; doing so does not make us the publisher of any content we choose to leave up.

Content we author ourselves — rate comparisons, escalation guides, and original analysis articles — is not covered by §230 immunity (it isn't third-party content). For our own editorial content we follow the accuracy and correction policy below.

• Cite-to-public-record only on the Accountability Ledger and Public Record sections — primary source URL or ≥2 independent news cites required per entry.
• No adjectives, no characterisation in titles or summaries on cited records.
• Outcome fields are derived from the source document, not editorialised.
• Disambiguation between look-alike companies is enforced at the data-file level (e.g. M Lhuillier ≠ PJ Lhuillier ≠ Cebuana Lhuillier).
• Corrections are issued promptly when verified inaccuracies are reported (see §6 below).

To submit a DMCA takedown notice for content you own the copyright to and that appears on LabanPH without authorization, send a notice to our designated agent that includes ALL of the following (per §512(c)(3)(A)):

1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner.
2. Identification of the copyrighted work claimed to have been infringed (or a representative list, if multiple works at one site).
3. Identification of the material claimed to be infringing, with information reasonably sufficient to permit us to locate it (a direct URL is best).
4. Information reasonably sufficient to permit us to contact you: name, address, telephone, email.
5. A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
6. A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

Send to: hello@labanph.org — Subject line: DMCA Notice

We will respond to substantively complete notices within the statutory window. Materially deficient or bad-faith notices (per §512(f), which imposes liability for knowingly false notices) will be rejected.

If your content was removed in response to a DMCA notice and you believe the removal was a mistake or mis-identification, you may submit a counter-notice containing:

1. Your physical or electronic signature.
2. Identification of the material that was removed and the location at which it appeared before removal.
3. A statement under penalty of perjury that you have a good-faith belief that the material was removed as a result of mistake or mis-identification.
4. Your name, address, telephone number, and consent to the jurisdiction of U.S. federal court.

We will forward valid counter-notices to the original complainant. If the complainant does not file a court action within 10–14 business days, we may restore the content per §512(g)(2)(C).

We terminate accounts of users who repeatedly infringe copyright in appropriate circumstances. "Appropriate circumstances" is judged case-by-case based on the number, recency, severity, and good-faith of the DMCA notices received.

If you believe an Accountability Ledger entry, Public Record entry, or our own editorial content contains a factual inaccuracy, send a correction request to hello@labanph.org with subject Editorial Dispute and:

1. The exact URL of the entry you dispute.
2. The specific text or claim alleged to be inaccurate.
3. The factual record (primary-source URL or document) supporting the correction.
4. Your name and contact email — anonymous claims may not be actioned.

We review and respond within 48 hours. Verified inaccuracies are corrected promptly with a visible correction note dated to the change.

Editorial-correction requests are handled separately from §230 — we do not adjudicate truth or falsity of user-submitted complaint narratives, only of our own editorial framing and cited public-record entries.

Designated agent: LabanPH Legal — hello@labanph.org

Postal correspondence: contact us via email first; we will provide a postal address upon request to confirmed senders.

LabanPH consumer-facing pages also invoke Philippine consumer-protection laws (BSP Circular 857, RA 11765, RA 7394, RA 9474, RA 8556, NPC Data Privacy Act). Those laws govern complaint substance — they do not displace §230 / §512 with respect to platform liability for user-submitted content.

For NPC personal-data disputes affecting your own data, see our Privacy Policy or contact us with subject Data Privacy.