Regulatory compliance
Every law that governs how Kviku operates, with direct links to the official text. We publish this list so any borrower or regulator can audit our claims.
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.
- R.A. 9474
Lending Company Regulation Act of 2007
The foundational statute for non-bank lenders. Requires SEC incorporation plus a Certificate of Authority. Kviku Lending Co., INC. is registered under CS201918702 and holds CA No. 3169 — both active since 2019.
Official source ↗ - R.A. 10173
Data Privacy Act
Governs the processing of personal information. Kviku collects only what is required for credit assessment and identity verification — no contact-list scraping, no photo-gallery access. Data Protection Officer reachable at dpo@kviku.ph.
Official source ↗ - R.A. 9510
Credit Information System Act
Mandates reporting of loan performance to credit bureaus. Kviku reports to CIBI / TransUnion after 60 days past due, and updates the record upon resolution.
Official source ↗ - SEC MC 18 s.2019
Prohibition on Unfair Debt Collection Practices
Prohibits threats, profanity, contacting relatives or employers, and contact outside lawful hours. Kviku exceeds the standard: contact only 8 AM – 9 PM, in-house collection first 30 days, no contact-list data collected at signup. Full policy at /how-we-collect.
Official source ↗ - SEC MC 19 s.2019
Disclosure Requirements on Advertisements
Every Kviku ad — including sponsored partner posts — discloses the company name, SEC Registration Number, Certificate of Authority Number, and effective interest rate range. Partner program materials at /partners include the disclosure template.
Official source ↗ - SEC MC 3 s.2022
Annual Percentage Rate (APR) Disclosure
Requires APR disclosure before signing for loans above ₱10,000. Kviku's offer screen and loan agreement disclose APR for every loan, regardless of amount.
Official source ↗ - BSP MC 1133 s.2021
Interest Rate Cap on Unsecured General-Purpose Loans
Caps nominal monthly interest at 6%, effective monthly interest rate at 15%, and total cost of credit at 100% of principal for loans ≤ ₱10,000 and terms ≤ 365 days. Kviku's pricing is bounded by these caps and the loan agreement discloses each component.
Official source ↗ - NPC Circular 20-01
Processing of Personal Data for Loan-Related Transactions
Establishes the Personal Information Controller / Personal Information Processor framework for loan data. Kviku Lending Co., INC. is the PIC of record for all loan applications. Virix Labs is a disclosed engaged service provider — joint PIC only for pre-submission marketing analytics (Meta Pixel and CAPI), and PIP for any post-submission processing performed under the Data Sharing and Outsourcing Agreements.
Official source ↗ - NPC Circular 2022-02
Loan-related Transactions Privacy (Amendment)
Tightens the rules on lender access to borrower data and on data sharing. Kviku collects only credit-assessment-relevant data; no contact list, no gallery, no SMS access beyond OTP. Kviku DPO: dpo@kviku.ph. Virix Labs DPO: dpo@virixlabs.com.
Official source ↗ - SEC MC 10 s.2021
Online Lending Platforms (OLP) framework
Defines core lending functions (underwriting, credit decisioning, disbursement, and collection) which may not be outsourced by a licensed lender. Kviku Lending Co., INC. performs all core functions in-house. Virix Labs role is strictly non-core (acquisition, landing-page hosting, attribution, ad operations) — listed in Kviku's OLP reporting as an authorized acquisition channel under SEC MC 19 s.2019.
Official source ↗ - BIR RMC 97-2021
Tax obligations of digital service providers and influencers
For our partner program: 5% Expanded Withholding Tax (EWT) withheld at source on partner payouts. BIR Form 2307 issued quarterly. Non-resident creators subject to 25% Final Withholding Tax.
Official source ↗ - R.A. 7394
Consumer Act of the Philippines
Governs material-connection disclosure in marketing. Sponsored partner posts must carry #Ad or Paid Partnership tagging per Ad Standards Council Code and DTI rules.
Official source ↗
How this site relates to Kviku
kvikuloan.ph is a marketing and technology platform operated by Virix Labs (UK Co. No. 16325097) as a disclosed Marketing and Technology Service Provider for Kviku Lending Co., INC. (SEC Reg. No. CS201918702, Certificate of Authority No. 3169). The relationship is governed by a written Master Services Agreement, a Data Sharing Agreement, and an Outsourcing Agreement compliant with R.A. 10173 and NPC Circular 20-01.
Roles. Kviku is the lender of record, the operator of record under SEC MC 10 s.2021, and the Personal Information Controller for loan applications. Virix operates the landing site, the application wizard, the attribution and analytics layer, the partner program, and the advertising operations on behalf of Kviku. Virix does not lend, decide, disburse, or collect.
Site assets. The kvikuloan.ph site, its landing-page front-end, application wizard, and supporting infrastructure are published on behalf of Kviku as the lender of record. Virix operates and maintains the technical implementation and editorial content under the Master Services and Outsourcing Agreements; the user-facing site experience and the kvikuloan.ph brand presence are assignable to Kviku per those agreements, with a 30-day handover on termination (domain, code, ad-account infrastructure, Meta Pixel and CAPI configuration, and account reporting).
Continuity. If the relationship is terminated, the 30-day handover applies: in-flight loan applications continue to be processed by Kviku to completion, Meta Pixel and CAPI events are migrated, and account reporting is settled.
Independent audit
Compliance reviews are performed monthly by the Virix Labs editorial team. Material findings are reported to Kviku\'s Compliance Officer and logged. Any borrower may request the latest review summary at compliance@kviku.ph. Privacy questions: dpo@kviku.ph (Kviku DPO of record) or dpo@virixlabs.com (Virix Labs DPO).