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Our help center gathers the answers to the questions we get most often, so you can sort things out in a few minutes.
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Frequently asked questions
Is Kredua a bank or a lending company?
No. Kredua is an informational content portal. We review products from institutions operating in the Philippines and take you to their official website. We will never ask you to deposit money, to pay a processing or “release” fee, or to share passwords, PINs, OTPs or codes from your bank or e-wallet.
Why am I receiving e-mails from Kredua?
Because at some point you left your name and e-mail address in one of our tests and agreed to receive our recommendations. Every e-mail carries a one-click unsubscribe link; the unsubscription takes effect within 24 hours at most.
How do I stop the e-mails or delete my data?
Use the “unsubscribe” link in any e-mail, or write to [email protected] stating the e-mail address you registered with. Through the same address you can exercise your rights under the Data Privacy Act of 2012: access, correction, erasure or blocking, objection and data portability. We answer within 15 working days.
What do I do if I receive a suspicious message using the Kredua name?
Kredua only sends e-mails from addresses of the kredua.com.br domain and never asks for passwords, OTPs, deposits or payments. We do not send loan offers through SMS, Viber, Messenger or Telegram. If you receive a message that does any of this, do not reply, do not open attachments and forward it to [email protected] so that we can report it.
Do you have a relationship with the institutions you review?
In some cases there is an affiliate agreement under which we receive a commission if you obtain a product through one of our links. We explain it on the “About us” page and it does not influence the content of the reviews. The application, the evaluation and the approval are always the institution’s.
Can you help me with a complaint against a bank or a loan app?
We are not an authority and we are not intermediaries, but we can point you in the right direction: complaints against banks and other BSP-supervised institutions go to the BSP Consumer Assistance Mechanism ([email protected]); complaints against lending and financing companies and online lending apps go to the Securities and Exchange Commission; misuse of your personal data by a lender goes to the National Privacy Commission. If you suspect fraud, keep the evidence and report it to the PNP Anti-Cybercrime Group or the NBI Cybercrime Division.
How do I propose a partnership or a correction?
Write to [email protected] or use the form on this page. We read every message and usually reply within two working days.