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Terms of use

Last updated 19 October 2026.

The short version

  • This site explains options and books conversations.
  • Nothing is sold, quoted or applied for here.
  • Our guides are general information, not advice for your own situation.
  • Calculator results are estimates, not official figures.

Who we are and what we do

Mango & Umbrella explains options and arranges conversations. We don't sell or issue insurance or investment products on this website.

General information, not advice for your situation

Our guides explain government programmes and how products work in general. They are not legal, tax or financial advice for a particular person. Always check your own record with SSS, Pag-IBIG Fund, PhilHealth, OWWA or the BIR.

Mango & Umbrella is independent. We are not part of, or endorsed by, SSS, Pag-IBIG Fund, PhilHealth, OWWA, DMW or any government agency.

Calculator results are estimates

Each calculator shows its formula, its assumptions and the date its figures were checked. Rules and rates change when agencies issue new circulars. Where an agency has its own official calculator, ours links to it. What you type stays in your browser. Please don't make a decision on an estimate alone. See all calculators.

Accuracy and corrections

We use official sources and show the date we last checked each page. If you find a mistake, please tell us through the contact page.

Booking a call

Sending the form asks for a conversation and nothing more. No application, policy or investment is made through this website. We may decline an enquiry we can't help with.

We link mainly to official sources. We are not responsible for the content of other websites.

Names and content

Agency and company names belong to their owners and are used only to describe them. We do not use agency logos.

Changes to these terms

If these terms change, we update this page and the date at the top. See also our privacy notice and about page.