To the Unsung Heroes of the Filipinos Today: A Tribute to National Heroes Day

In line with the celebration of National Heroes Day, on this day, 25th of August 2025, the last Monday of the month in the Philippines — I would like to take this opportunity to honor ordinary people who live with extraordinary character in modern times. These are everyday citizens working earnestly and with integrity—especially those who are making an every day choice to remain true to their values even when surrounded by situations to be dishonest.

I am talking about people who stand firm against any form of dishonesty and injustice in the smallest of ways. Teachers in the public schools, for example, who treat every second of their working hours as part of their service instead of engaging in meaningless gossip with other teachers when no one is watching. Or staff in public offices who never pocket even a pen or a pencil—no matter how little its value—because they know it is not theirs and not part of their rightful compensation.

These seemingly tiny choices in the littlest of situations, when consistently practiced, create ripples of integrity that can shape a greater culture of honesty. Great things start from small beginnings, after all.

I still remember clearly what I saw during my practice teaching in a public school—the moment I realized I might never fully fit into the system.

One morning, I saw a few teachers talking in one of the teacher’s classrooms. I was there. When the first bell rang, signaling the start of class, only one teacher excused herself and returned to begin her lesson. The rest continued talking.

Having completed the other half of my practice teaching in a private school—where every minute of class time was precious—I was disappointed, though not completely surprised. Memories of my own time as a public school student came flashing back: I had sat in classrooms witnessing the same disregard for time, over and over.

I asked myself, “Is this something I am willing to deal with all the time?” At first, I might ignore it, telling myself, “At least, I am not one of them.” But such moments build frustration over time. If I kept ignoring it to avoid rocking the boat—for peace, camaraderie, or simply to fit in—I feared I might eventually tolerate it, and wake up one day realizing I had become part of what I disliked.

Another experience reinforced this lesson. One afternoon, my mentor teacher asked me to do some paperwork involving Microsoft Excel. I finished quickly and handed it back. She praised me for completing it so fast—she had expected it would take much longer. Later, the homeroom teacher approached me with the same type of paperwork for around five more teachers under her supervision. She was the subject leader.

Inside, I felt hesitant and annoyed. It screamed unfairness. Wow! This is not fair, I thought. This happens when time for work is spent on other things—tasks pile up, deadlines multiply. This isn’t my job as an on-the-job trainee anymore.

Because it wouldn’t take long, I decided to do it with a smile, telling myself it was my small contribution—and part of my learning.

It could have ended there. But what happened next left me unsettled. After I returned the flash drives, the head teacher offered me something unexpected: an instant teaching position after I had graduated and become licensed. In the public school system, permanent placement—called an “item”—usually requires going through a ranking process. But she said that because I had done her a favor, I could bypass it.

She was someone with powerful connections. I had overheard stories, and her position confirmed it. Adding to my unease, I had also seen her physically punish students in her classroom—throwing an eraser or a dustpan, you name it. I had also witnessed verbal abuses, shaming her students—which are not only prohibited but also unethical. And yet, she remained in her position.

On the surface, it was a generous offer. Yet loudly, it screamed injustice. It revealed systemic cronyism—a culture where positions are awarded through connections, not skills or merit. I knew others who had been waiting through the formal application process for some time. And what about those without connections, yet truly deserving of shaping future generations?

That moment made me realize that integrity is not just about small daily choices—it’s also about standing firm against larger systemic temptations.

These experiences shaped the job choices I made after graduation, and reinforced my admiration for those who consistently choose honesty and fairness over convenience or gain.

On National Heroes Day, while we remember the giants of history, it is equally important to honor those who live with courage and integrity every day—in the smallest acts that create ripples of positive change in our communities.

Corruption remains one of the ongoing problems in the Philippines. Many are aware of it, yet battling it is nearly impossible, given the power of those involved—and the fact that, even in small offices, it has long been part of their practice. Still, small choices to remain integrous can pave the way to a better community, especially if everyone contributes in their own way.

To that one teacher who walked out and showed the value of time in connection to her job, I am still in awe. Her lesson was engaging, her students laughing, enjoying themselves, and well-behaved even in school programs outside her classroom. Most were recognized as excellent students, and they always admired her. I can only hope that I—and many others—would be as inspiring and admirable a teacher as her.

To everyone doing their job honestly and fairly, resisting even the smallest forms of dishonesty or corruption: you are the UNSUNG HEROES of our time. People like you act with courage and integrity—not for recognition or reward, but because it is the right thing to do. No one sings your praise publicly, but your actions are seen and appreciated. As you continue to live with integrity, your impact ripples through your family, your community, and beyond.

You may not receive immediate recognition, but your life is meaningful, and your example quietly inspires those around you.

Perhaps not today, but the integrity and honesty we uphold could one day help eliminate the deep-rooted problems in our country: corruption, greed, and dishonesty.

May this be something we carry and live by every day.

—marymancee, inspired by the reflective mood that this summer season has brought—triggered by the recent four-day maintenance of a government online facility, which may one day reveal another anomaly waiting to be uncovered.

This reflection, written on August 24, 2025, around 11:00 P.M., is derived from the realization that the core problems in the Philippines are not rooted in a lack of resources nor in a lack of education. Rather, they stem from something far deeper—the mismanagement of what we already have, the absence of personal accountability in the daily choices and actions of each individual, and the lack of commitment to live an integrous life.

It is a sobering thought: progress will never come solely from more funds, more projects, or more programs, but from the integrity of both leaders and ordinary citizens.

This piece will be published after the last promised article, but for now, I leave it here as part of my ongoing reflections.

P.S. I do proofreading nowadays (unlike earlier blog posts you find here). Still, if you spot typos or grammatical slips, please feel free to comment correcting them—I’ll be grateful. Thank you.

Part 5: Report Template: How to File a Complaint Against CebuVA / Benjamin CFO in the Philippines and U.S.”

If you wish to file a complaint against CebuVA or Benjamin CFO, it’s important to understand that these entities may not be officially recognized or registered organizations. Reports suggest that “Benjamin CFO” and “CebuVA” are associated with unregistered or fictitious entities, lacking legal standing in both the Philippines and the United States. For instance, “Benjamin CFO App” is merely a fictitious name registration in Florida and is not a legally recognized trust or financial entity .

SUMMARY: Steps to Take:

  1. Gather Documentation: Collect all relevant communications, contracts, and promotional materials related to your interactions with CebuVA or Benjamin CFO.
  2. Report to Local Authorities:
  3. Consult Legal Advice: Given the complexities involved, especially with potentially fraudulent entities, seeking legal counsel can provide guidance tailored to your situation.

Note: Proceed with caution when dealing with unregistered entities. Engaging with such organizations may expose you to legal and financial risks. It’s advisable to verify the legitimacy of any organization before entering into agreements or transactions.

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If you’ve been a victim or almost victimized by CebuVA.com, Angel Seat, or Benjamin CFO, here’s how you can help stop it — by filing a complaint to the proper authorities.

Even if you only paid a small fee (₱200–₱500), your report matters. The more people speak up, the harder it is for scams like this to stay online.

How to File a Complaint Against CebuVA / Benjamin CFO in the Philippines and U.S.


1. Executive Summary

This report provides a structured guide on how to file a formal complaint against CebuVA / Benjamin CFO. It covers relevant procedures for both the Philippines and the United States, including regulatory bodies, documentation requirements, and legal considerations.

2. Key Information to Gather Before Filing

Collect the following before initiating a complaint:

  • Full name and contact info of CebuVA / Benjamin CFO
  • Business registration details (if available)
  • Contract or service agreement (if applicable)
  • Screenshots, emails, messages, and payment proof
  • Detailed summary of the issue or dispute
  • Attempts made to resolve the issue (if any)

3. Filing a Complaint in the Philippines

A. Department of Trade and Industry (DTI)

  • Website: https://www.dti.gov.ph
  • For: Consumer-related complaints and unfair business practices.
  • How:
    • File online via DTI’s complaint form
    • Attach supporting documents
    • Wait for mediation or resolution

B. National Bureau of Investigation (NBI) – Cybercrime Division

  • For: Online fraud, scams, identity theft.
  • How:

C. Securities and Exchange Commission (SEC) Philippines

  • For: Issues involving unregistered investments or corporate misconduct
  • How:
    • Email or send a letter to SEC Enforcement and Investor Protection Department
    • Provide company details and supporting evidence

PHILIPPINE-BASED COMPLAINT TEMPLATE

(To send to DTI, NBI-Cybercrime Division, or SEC Enforcement)

Subject Line: Urgent Report: Suspected Online Recruitment Scam by CebuVA.com / “Benjamin CFO”

To:

  • fairtrade@dti.gov.ph (DTI Fair Trade Enforcement Bureau)
  • ccd@nbi.gov.ph (NBI Cybercrime Division)
  • epd@sec.gov.ph (SEC Enforcement and Prosecution Division)

Dear Sir/Madam,

I would like to report a suspected online scam involving the website CebuVA.com and an individual named “Benjamin CFO” (legal name: Benjamin Thodeus Horbowy).

The scheme involves:

  • Charging Filipino applicants a ₱200–₱500 “legal binder” fee
  • Promising unrealistic passive income (“Angel Seat” program)
  • No verified registration with SEC, DTI, or BIR
  • Using Facebook/LinkedIn/Instagram to lure job seekers
  • Offering fake incentives (Hilux cars, vacations, etc.)

Attached are screenshots, receipts (if available), and links to online posts and Reddit threads where other victims have shared the same experience.

Details of my case:

  • Full Name: [Your Name]
  • Contact Number: [Your Number]
  • Date of Incident: [Date you applied or paid]
  • Mode of Payment: [GCash, Maya, etc.]
  • Amount Paid: [₱xxx]
  • Communication method: [Messenger, email, etc.]

I respectfully request your office to investigate this entity and suspend its operations to prevent more Filipinos from being deceived.

Thank you.

Sincerely,
[Your Full Name]
[Your Email Address]
[Optional: Attach screenshots and receipts]

4. Filing a Complaint in the United States

A. Better Business Bureau (BBB)

B. Federal Trade Commission (FTC)

C. Internet Crime Complaint Center (IC3)

🇺🇸 U.S.-BASED REPORTING OPTIONS

For American victims or for U.S. citizens who interacted with him via campaign, business, or online sales

Report to the FTC (Federal Trade Commission)

Use the category:

  • “Job Scam” or “Online business/investment opportunity”

Report to the FBI Internet Crime Complaint Center (IC3)

Include:

  • Suspect: Benjamin Thodeus Horbowy
  • Known Address: 1113 Old Bumpy Road, Tallahassee, FL 32317
  • Websites: www.cebuva.com, http://www.benjaminforamerica.com
  • Socials: Facebook (Benjamin Horbowy), LinkedIn (benjamincfo), Instagram (as seen in reels)
  • Payment method if any (PayPal, Venmo, CashApp, wire, etc.)

Optional: Sample for American Use

I interacted with Benjamin Horbowy online via his “Angel Seat” business offer through his website (CebuVA.com). He claimed to run a virtual assistant company in the Philippines. I was asked to pay [amount] via [method].

He appears to be targeting Filipino and U.S. audiences through social media, promising jobs and passive income. There are already several public Reddit posts warning others of this scam.

His registered U.S. address is:
1113 Old Bumpy Road
Tallahassee, FL 32317

This appears to be a fraudulent recruitment and business scheme that should be investigated under online fraud, campaign fraud, or cross-border labor violations.

Please let me know if more information is needed.

If You’re a Victim, You Are Not Alone

  • You are not stupid. These scams are designed to trick smart people.
  • The only shame is in staying silent. Speak up and help others avoid it.
  • Together, we can expose and shut down exploitative operations like this.

Part 4: CebuvVA Virtual Accelerator/Benjamin Horbowy, CFO/Benjamin CFO: The Claims and the Reality

Part 3: The Fine Print Trap — What You’re Really Agreeing to on CebuVA/Benjamin CFO App

Part 2: Who is Benjamin CFO / Benjamin Alexander Thodeus Horbowy?

Part 1: The Red Flags Behind CebuVA Virtual Accelerator and ‘Benjamin CFO’ || CebuVA Review

—marymancee, apologies for the late publication

Part 4: CebuvVA Virtual Accelerator/Benjamin Horbowy, CFO/Benjamin CFO: The Claims and the Reality

After going through the flashy videos, TikTok posts, affiliate sign-up links, and all the spiritual-sounding “Angel Club” promises — it’s time we break it all down.

What does CebuVA actually promise? And what is the reality?

Let’s compare the claims vs. the reality, based on evidence (correspondence via emails and chats)

The Exchanges on TikTok

Notice the sudden disclaimer?

“The Job=just over broke. We don’t offer job.”

When the TikTok video clearly highlights needing 20 minutes a day to copy and paste and set up profile on LinkedIN the way he told you to. 🚩

LET’S BREAK DOWN THE SHI8, I MEAN THE CLAIMS

I actually tried commenting on one of the TikTok videos promoting this — I said something like, “This sounds like a pyramid scheme or networking scam.”
A few seconds later? Blocked.
That tells you everything you need to know.

CLAIM #1: “We are not a pyramid scheme.”

“This is not a pyramid scheme… We are a decentralized, trust-based platform that rewards you for sharing the opportunity.”
— From Benjamin CFO’s recruitment email

CLAIM #1: THE REALITY

Despite this claim, the structure strongly resembles a pyramid model:

  • No verified product or service is being sold to external customers
  • Payouts and “bonuses” are tied directly to referrals and team-building
  • Income depends on how many people join after you, not on your actual performance or value created
  • “Angel Seat” tiers, “Virtual Angel” levels, and “co-founder badges” are used to create artificial scarcity and urgency

The platform frames this as “community-owned” — but it’s clear that your earnings depend on recruiting others who pay fees, not delivering actual work.

If YOU READ THE “welcome email”, it is clear there’s no verifiable source of outside revenue, and earnings are based on recruitment, that’s the definition of a pyramid scheme — no matter how spiritual, decentralized, or “trust-based” it’s framed.

CLAIM #2: “We are backed by a U.S. Trust Fund”

“You are now a beneficiary of my trust fund.”
— from Benjamin CFO’s email

CLAIM #2: REALITY: No actual trust exists.

What’s being promoted as a Florida-based trust fund is legally just a fictitious name registration

“Benjamin CFO App” (Filing #G24000098448)


That’s it.
It is not a:

  • Charitable or family trust in any legal capacity
  • Licensed business
  • Registered financial entity
  • SEC-recognized investment firm

In fact, there is no public record of any legitimate trust structure — charitable or private — connected to “Benjamin CFO App,” “Miracle Tree Trust,” or CebuVA.

It’s a misleading label designed to create false legitimacy, especially when paired with emotional language like “you are a beneficiary” or “we’re ending poverty.”

And if you read the long email, at the end you can see it includes an image. It is actually a file containing similar information as I found searching for it using the REGISTRATION #, IEN/FEI Number.

The audacity to think everyone is as gullible as he thought. BAGAG LEPS!!! And to think it is not even that easy to find THIS because apparently it is only a fictitious name filing, look how long it took to find this, and then, in his email to supposedly prove the legitimacy, he only sent me the same info. LEEPPPPPSSSSS!!!! If you want to look it up, you can go to sunbiz.org, it’s the FLORIDA DEPARTMENT OF STATE which he claimed to have registered the business/not a business but a trust later on. 🚩

CLAIM #3: “You will receive verification before your application is approved”

CLAIM #3: REALITY: No ID verification is conducted.
The system allows any name, any photo, and grants access as long as you pay the ₱250–₱500 fee.

Even the so-called “email verification”?
Here’s what I actually received instead:

The Welcome Email (probably AI made for FREE)

The second email which was giving a “what d heck?” vibe

For something that calls itself a “high-paying opportunity,” I expected a proper email verification and maybe a clear next step to get started.
Instead? That’s all you get. No structure, no onboarding — just an UNCLEAR hype and a prompt to pay.

just a message that pushes investment or bonus offers — not verification.

CLAIM #4: “We are helping end poverty and building self-employment”

CLAIM #4: REALITY: There is no SEC, DTI, or POEA registration in the Philippines.

The affiliate terms are governed by Indian law, with zero legal protections for Filipino or American users.

Even worse, the earnings structure is unclear, unmonitored, and payout promises are based on unverifiable “ROI tracking” by Benjamin’s private team (probably just him and the other so-called rectuiter 🤢).

CLAIM #5: “We are fully verified — even PayPal and Wix trust us”

CLAIM #5: REALITY: PayPal and Wix allow many platforms to operate, including those later found to be fraudulent, until reported.

PayPal is a payment processor — not a legal regulator.
Wix is a website builder — not a business licensing authority.

So, please guys, I know many of you are reading this! Please help me report this.

CLAIM #6: “Co-Founder Badge! Limited slots! Once-in-a-lifetime offer!”

CLAIM #6: REALITY: Scarcity is a sales tactic.

The same offer has been circulating for months, and similar schemes from the same operator have rotated through different domain names and flyer designs.

CebuVA.com is set to expire on July 25, 2025, and may be rebranded under another name, as seen in past behavior.

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The Bottom Line:

The more you dig, the clearer it gets — CebuVA is not a registered business, not an investment platform, and not a job agency.

It’s a manipulative online funnel designed to exploit emotional language, spiritual framing, and false legal claims to collect fees.


Part 1: How I Discovered the Red Flags
Part 2: Who Is Benjamin Horbowy, Really?
Part 3: The Fine Print Trap – What You’re Really Agreeing To

Coming Soon: Part 5 – How to Report This and Protect Others
I’ll walk you through how to file with the DTI, SEC, NBI, and U.S. SEC, plus a template you can reuse.

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Disclaimer: This post is based on publicly available records, affiliate terms, screenshots, government filings, and personal research. It reflects the author’s good-faith findings and opinions for public awareness and educational purposes only. Nothing here constitutes legal, financial, or professional advice. Any individuals or parties mentioned are welcome to provide clarifications or documentation via our contact form.

This blog complies with fair use and free speech laws under Article III, Section 4 of the 1987 Philippine Constitution and the First Amendment of the U.S. Constitution.

Part 3: The Fine Print Trap — What You’re Really Agreeing to on CebuVA/Benjamin CFO App

When I first clicked “Apply” on partner.cebuva.com, I expected a typical onboarding form. What I found instead was a subtle but alarming trap hidden behind flashy income claims, emoji-laden bonuses, and spiritual appeals.

This wasn’t just a sign-up page — it was a legal surrender disguised as an opportunity.

What They Promise

  • “₱100,000/month”
  • Bonuses like Hilux down payments, iPads, and hotel stays
  • “Business as a ministry to end poverty”
  • “Virtual Angel” club access for only ₱250–₱500

All of it sounds hopeful. But here’s what they don’t highlight:

What You’re Really Agreeing To (from their actual Terms & Conditions):

  • Indian Law Governs Everything
    → Disputes must be settled under Indian law in Haryana, with no protection from Philippine or U.S. law.
  • No Registration in the Philippines
    → CebuVA is not registered with the DTI, SEC, or POEA, despite offering recruitment and investment-like services.
  • All Liability Is on You
    → The terms explicitly waive CebuVA and GoAffPro’s legal responsibility for losses, performance, payouts, or legal compliance.
  • You’re Promoting Products, Not Getting a Job
    → The agreement frames the user as an affiliate or promoter, not an employee or even a client — yet you’re still asked to pay.
  • You Might Be Violating Privacy Laws
    → You’re required to disclose how you collect data from others if you share links — even if you’re not running a business.

WHY IMPORTANT

Most applicants never see this agreement before signing up. They only encounter it after submitting personal data — or when they’re about to pay for the so-called “Angel Club.”

That’s not transparency — that’s a bait-and-switch.

Americans Are Also at Risk

This isn’t just a local issue. The platform:

  • Uses PayPal, a U.S.-based financial service
  • Targets U.S. citizens with “Angel Seat” investment pitches
  • Misrepresents the business as a Florida trust fund, when in fact it’s only a fictitious name filing — not a registered company or trust

If a Filipino set up a fake trust fund in the U.S., they’d be penalized immediately. We hope the same standard applies when it’s the other way around.

WHAT TO DO

Never pay upfront for a “job” or “membership”
Read the fine print — especially when legal disclaimers shift jurisdiction
Report to authorities:

🇵🇭 Philippines:

🇺🇸 United States:

Report to the U.S. SEC:
🔗 https://www.sec.gov/tcr (Tip, Complaint, or Referral portal)
📧 Email (for follow-ups or additional info): help@sec.gov

If you need some other information for your reports, see

Part 2: Who Is Benjamin CFO, Really?
Part 1: How I Found the Red Flags in CebuVA

The Application Process: Shockingly Easy for Something So “Exclusive”

Given the high-sounding promises — lifetime payouts, co-founder badges, and trust fund membership — you’d expect the onboarding process to be rigorous — or at least professional like some kind of background check, legal formality, or even basic KYC (Know Your Customer) identity verification.

But here’s what really happens:

  • You just fill out a form.
  • You can use any name, upload any photo.
  • No ID check. No legal verification. No signed agreement.
  • As long as you pay, you’re in. ONLY MONEY is needed. 🚩

This contradicts the entire premise of trust-based investing, secure payouts, or anything involving actual compliance. It’s the clearest red flag yet: what they want is your money, not your credentials.

Even more concerning:
The page claims they will send a verification email before moving forward.

But guess what I received instead?
(Stay tuned — I’ll show you exactly what was in that email in Part 4.)

Next: Part 4 – The Claims and the Reality
What CebuVA promises vs. what it actually delivers — including screenshots of the welcome email and all of the others that say it all.

P.S. The domain cebuva.com is set to expire on July 25, 2025. Given the operator’s history of switching domains, it’s possible the site will relaunch under a new name once scrutiny increases.

Part 2: Who is Benjamin CFO / Benjamin Alexander Thodeus Horbowy?

Why the story behind CebuVA/Benjamin CFO App‘s founder doesn’t add up

While CebuVA promises high passive income, co-ownership of agencies, and perks like Hilux down payments and iPads, I decided to ask the critical question:

Who is the person behind all this?

Here’s what I found about Benjamin Thodeus Horbowy, Horbowy Benjamin Alexander, a.p.h.a (also presenting/posing himself as) Benjamin CFO on Tiktok, Benjamin Horbowy in the the Angel Seat flyer, “Benjamin Horbowy, CFO – AI Business Growth Expert – CebuVA” on his LinkedIn, “Benjamin Horbowy, CFO” on multiple company pages (like CebuVA AI Call Center)

Summary

Has prestigious affiliations — for example, being a U.S. veteran, a Stanford graduate, a politician, or a minister — which are leveraged to promote CebuVA, creating a false sense of security for victims, while no actual legal entity, registration, or trust exists behind these claims.

PDF attachment at the bottom of this post👇

How He Presents Himself

On LinkedIn and in promotional materials, he uses several names:

  • Benjamin CFO
  • Benjamin Thodeus Horbowy
  • Benjamin Horbowy
  • HORBOWY, BENJAMIN ALEXANDER (from the fictitious name filing)

He claims to be:

  • Chief Financial Officer of a U.S.-registered trust fund (Benjamin CFO App)
  • A U.S. military veteran
  • A Stanford Graduate School of Business graduate
  • A minister or mission-driven entrepreneur, aiming to end poverty through tech

Professional Background

  • Profile Name: “Benjamin Horbowy, CFO – AI Business Growth Expert – CebuVA” wiza.co+3cebuva.com+3cebuva.com+3
  • Current Role: Lists himself as Chief Financial Officer at CebuVA AI Call Center, with a tagline emphasizing “Cut Costs. Drive Growth.” cebuva.com
  • Marketing & Recruitments Posts:
    • Claims active involvement in scaling virtual assistant (“Virtual Angels”) teams (e.g., 6,300+ affiliates) and positioning CebuVA as an AI call-center powerhouse targeting U.S. businesses cebuva.com.

Educational Background Claimed

  • Stanford Graduate School of Business alumnus is listed under his education section ivy.fm+7cebuva.com+7drf.vc+7.
  • He also presents himself as a U.S. military veteran and minister, though no independent verification is provided anywhere on LinkedIn or external records .

Discrepancies & Red Flags

  • No independent verification of his Stanford GSB claim — missing from alumni directories and third-party sources.
  • Mix of roles and credentials: CFO, veteran, minister, Stanford grad — lacking tangible proof.
  • Only evident business registration is a Florida fictitious business name — not a legal trust, company, or charity.
ClaimReality
Stanford GSBNo record in alumni directories
CFO (CebuVA)Role is self-identified; no official business registration found
Veteran / MinisterStrong branding, but unverified claims
U.S. Trust Fund OperatorOnly a fictitious name registration exists

What Public Records and LinkedIn Reveal

What He ClaimsWhat We Found
Stanford GSB graduateNo verification via Stanford alumni directory or independent records.
U.S. trust fund operator“Benjamin CFO App” is only a fictitious name registration in Florida — not a legal trust, charity, or business entity.
Florida CFO candidate (2026) Prior Florida campaign violations; 2020 arrest for trespassing; currently based in Cebu.
Veteran, minister, entrepreneurUses these labels in promotional language; no independent confirmation.
CFO of CebuVANo PH SEC, DTI, or POEA registration; operation relies on affiliate links and recruitment.

Why This Doesn’t Add Up

If Benjamin Horbowy a.k.a. Benjamin CFO, Benjamin CFO App, and etc. were truly:

  • A Stanford-educated financial leader
  • A U.S. military veteran
  • A minister helping end poverty

Not to mention him being a public figure, a politician in Florida i.e. Chief Financial Officer candidate for 2026 Election

Why would he:

  • Operate an unregistered, offshore scheme targeting Filipino workers, investors and their social circles?
  • Push disputes to Indian law (Haryana) rather than U.S./PH courts?
  • Use recruitment-heavy models, advance fees, and perks promises instead of legitimate contracts?

Key Takeaways

When someone uses prestigious credentials and titles like CFO, Stanford grad, minister to promote unregistered schemes — it’s a red flag.

Always verify:

  • Company registrations (SEC, DTI, POEA)
  • Educational records
  • The real structure behind income promises

********************************************************************Public trust and moral standing may be questionable.

Despite presenting himself as a leader and advocate (e.g., “The People’s CFO”), he has a record of defying basic rules, which could reflect on his business ethics.

It contrasts with the image of being a responsible entrepreneur, especially when promoting ventures involving financial investments and recruitment in another country.

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Coming in Part 3:
We’ll highlighting again and breaking down how the Terms & Conditions, recruitment model, and hidden fine print put job seekers and investors at risk.

If you haven’t read Part 1 yet?
Go back to [Part 1: How I Discovered the Red Flags Behind CebuVA and Benjamin CFO] — where I explain how I came across the scheme on TikTok, the upfront fees, and the exaggerated income promises that first made me suspicious.

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PDF Attachments

P.S. Kung need mo og binisaya nga version, comment lang mo kay ako trabahuon sunod ig human nako ani tanan.

—marymancee✨

The Red Flags Behind CebuVA Virtual Accelerator and ‘Benjamin CFO’ || CebuVA Review

A warning to Filipino job seekers and American investors || Public Advisory – Suspicious WORK FROM HOME JOB/INVESTMENT OPPORTUNITY IN CEBU, Philippines

It is our legal and human right to know exactly what we are getting into—especially when it involves our hard-earned money. That’s why I am sharing what I discovered about this online work-from-home opportunity, where you are asked to pay a membership fee first in order to learn and do the job, with promises of a bigger return on investment (ROI) later.

Table of Contents

It All Started With a TikTok

I first encountered CebuVA.com through a TikTok video that randomly appeared on my For You Page (FYP). The clip featured a man referring to himself as “Benjamin CFO.” [WARNING: watching this would only boost his visibility on the platform which means more chances of scamming more people –> @benjamincfo♬ original sound – Benjamin CFO link here so I’ve added a pdf file with a picture of their accounts

The video claimed that CebuVA was a “revolutionary call center powered by AI,” offering “co-ownership” for Filipino workers and “passive income opportunities.”

At first, I was like “hmmm”. The promises were bold — work-from-home, high pay, and a legal binder for only ₱200–₱500. The tone felt like a pitch you’d hear from a startup founder trying to change the world. So, I clicked the link. On the profile, it says cebuva.org.

The Site: partner.cebuva.com

The Site: partner.cebuva.com
The website I landed on was https://partner.cebuva.com, and I was immediately met with startup-style branding, stock imagery, and vague headlines like:

“Be your own boss. Own a seat. Scale your future.”

When you click “Apply Now”, it takes you to this registration form:
https://partner.cebuva.com/create-account

This form requests:

  • Full name
  • Email
  • Referral source
  • Acceptance of terms
  • Agreement to a “$5 one-time onboarding” or ₱250–₱500 fee — but behind that payment, what you’re really agreeing to is alarming.
  • and others which are “supposed to be registration info”

WHAT TO NOTE

The Terms and Conditions (hidden within the onboarding process at partner.cebuva.com) bind you to Indian law (Haryana) and provide no meaningful protection for Filipino nor American participants. There’s no clear company registration number, no valid Philippine business license, no privacy policy detailing how your data will be used, and no proper legal disclosure about the real nature of what you’re signing up for — whether as an affiliate, investor, or “Virtual Angel.”

Instead, you’re left agreeing to ambiguous terms that protect the operator while exposing you to financial and legal risks.

Here’s the PDF Files of the hidden Terms and Agreement and the Privacy Policy if you create an account with them.

What Triggered My Suspicion

As I dug deeper:

  • I couldn’t find CebuVA registered with DTI, SEC, or BIR.
  • The pitch was too polished for something so untraceable.
  • Multiple Reddit threads called out the same person, Benjamin Horbowy a.k.a. “Benjamin CFO,” for similar “co-ownership” or passive income schemes going back years.
  • One thing stood out: he wasn’t marketing this like a job — he was marketing it like a movement. That’s often the first sign of a scam with a script.

The Red Flags

  • 🚩Fees “Legal Binder”
  • 🚩Unrelaistic Passive Income and Incentives
  • 🚩Suspicious Bakcground of “benjamin CFO”

Upfront Fees for a “Legal Binder”

🚩 RED FLAG #1: Upfront Fees for a “Legal Binder”
One of the first things that raised suspicion was the ₱200–₱500 “legal binder” fee required just to proceed. A real job should never charge you to apply. On Reddit, dozens of users described the same experience: payment followed by silence. Some applicants were told their accounts were still “under review” days or weeks later — classic advance-fee scam behavior.

Multiple Reports of Scam Tactics

Redditors noted a required payment on his site for a so-called “legal binder,” a big red flag:

“…when you go to that website… it’ll ask you for 200 pesos for a ‘legal binder,’ … every question has a sense of urgency or pressure … so many Filipinos who already gave 200 pesos a few days ago and their accounts are still ‘under review’…” reddit.com+3reddit.com+3reddit.com+3

“…there’s a 500 peso fee for some legal binder thing with them.” reddit.com

Unrealistic income promises

The same post describes extravagant promises of payouts:

“for every closed deal you supposedly get incentives from a weekend stay in Cebu to a Honda motorcycle and a down payment for a Hilux… the most too good to be true thing was the 100k+ passive income after 20 closed deals.” reddit.com+1reddit.com+1reddit.com

Scam structure & red flags

Multiple warnings within the comments reinforce the suspicion:

“If they ask you to pay, no matter how little, for a job, that’s a huge red flag.” scribd.com+9reddit.com+9reddit.com+9

Another thread simply puts it bluntly:

“Halata naman na scammer yan Benjamin CFO AKA CebuVa sobra dami redflags hahaha.” reddit.com+3reddit.com+3reddit.com+3

Unrealistic Passive Income & Incentives

🚩 RED FLAG #2: Unrealistic Passive Income & Incentives
CebuVA promised payouts that were too good to be true:

  • ₱100K+ in passive income after closing deals

This is a textbook manipulation tactic. The kind that plays on hope, urgency, and FOMO.

Weekend vacations, motorcycles, and even Hilux down payments

“Angel Seat” slots that guaranteed income streams

Suspicious Background of “Benjamin CFO”

🚩 RED FLAG #3: Suspicious Background of “Benjamin CFO”
I tried to verify who “Benjamin CFO” really was. Here’s what I found — all from public records and campaign filings:

Of course, none of this was disclosed on CebuVA.com or his videos.

  • Full Name: Benjamin Thodeus Horbowy
  • Ran (unsuccessfully) for Florida State Senate (2020) and running for Florida CFO (2026) while currently in Cebu for his “online” business
  • Arrested in Leon County, Florida (2020) for trespassing
  • Multiple campaign finance violations, including failure to file disclosures
  • Registered and dissolved a company called Smart Green Industries, LLC in Tallahassee
  • Now marketing himself as a CEO in Cebu while recruiting Filipinos online

Key Scam Indicators

Why This Matters

Too many Filipino job seekers are being targeted by opportunists who know how to talk corporate, use AI buzzwords, and manipulate financial promises. In my opinion, Benjamin CFO is one of them — and he’s getting better at hiding it.

That’s why I’m writing this: to protect others from getting tricked by what looks like opportunity but smells like a scam.

What Can You Do

What You Can Do:

  • Report suspicious schemes to DTI, NBI, SEC, or your LGU
  • Avoid paying ANY upfront fee for job applications
  • Check companies for SEC registration and DTI listings
  • Search Reddit, Trustpilot, or Google before applying

Who is Who (Benjamin CFO / Benjamin Horbowy / Benjamin Thodeus Horbowy)

Up Next – Part 2:
In Part 2, A deeper look at who Benjamin CFO really is — examining his claimed background (Stanford, CFO candidate, veteran, minister) and why it doesn’t align with the actions seen in CebuVA.

We’ll also highlight how the CebuVA.com domain is set to expire on July 25, and how this fits a pattern: associated schemes or domains linked to CebuVA have previously changed names or URLs — a common tactic used to evade accountability and confuse victims.

where sympathy is not owned

Something triggered me today, and it reminded me of a lesson I’ve come to understand over time.

Just because you are suffering, doesn’t mean the world owes you anything. Seeking sympathy is human–but demanding it or guilt-tripping others for not showing it the way you expected it is just gonna push people further away.

Again! Your suffering does not entitle you to sympathy. Your pain is valid but so as everyone else’s.

I learned this lesson a while ago, but I think I forgot it somewhere along the way. At first, I thought this message was meant for someone else… but the truth is, I needed this reminder more than anyone, too.

Sometimes, it’s not about pointing fingers—it’s about turning inward and being honest with ourselves.

But since we’re being honest… there’s more.

Lately, I’ve been impatient and, at times, even rude—without fully realizing how it affected others. In moments of stress or emotional distress, I let my pain speak louder than my compassion. I’ve said things I regret, including harsh words toward a staff member of a remittance company and probably others I can’t even recall clearly now. And in that, I became entitled without realizing it.

Around two years ago, I’ve lost respect for a friend who expected me to be her emotional and financial caretaker. I know she’s younger, but it’s not right to expect someone else to take full responsibility for your happiness. I gave what I could—time, care, support—but she couldn’t even show appreciation for the little things I did. Instead, she betrayed me. White lies—yet they hurt and disappointed me in a way I didn’t expect. I wanted to give her another chance, to work through it, but she refused to acknowledge her part in it. And that made me question myself. Am I a difficult friend? I always thought I was the easiest person to befriend—open, understanding, willing to be there for others. But now I wonder if I’ve been wrong about that.

And then, this year, someone even closer to me kind of began to expect the same, financially. When I didn’t meet those unspoken expectations, she pulled away. She stopped talking to me. And honestly, I don’t feel the need to fix it—because if repairing that relationship means once again sacrificing my own well-being and taking on financial responsibility that isn’t mine to carry, then no… I can’t go back to that.

Then today, another person who was clearly suffering. And I understand that pain shows up differently for everyone. But I’m not gonna lie—I won’t blame them entirely. I also played my part in the distress that stirred the conflict. But still, what disappointed me was the moment they essentially told me: “My pain matters more than yours.” As if suffering somehow gives someone permission to invalidate someone else’s.

And just like that, I was thinking, Another friendship over. It’s like my entire system for them just shut down, and now, there’s no going back.

This all made me ask myself—Am I gonna keep losing people like this? Is there something wrong with me for refusing to go back to that role? For not adjusting myself to fit someone else’s expectations anymore?
Is this the price of being the one who finally wakes up and realizes what’s unhealthy?

Maybe it is. Maybe growth feels like distance. Maybe healing looks like letting go of roles you were never meant to play forever.

But if choosing peace, boundaries, and self-awareness means losing the approval of people who would only love the version of me that overextends, then maybe that’s a price I’ll be willing to pay.

How about you? Do you believe I should still go back and adjust, or is it best to just let it go? 

4-11-2025 || moving out (of people’s lives)

on romance

A quotation about love romance I got from a Japanese drama series on #Netflix #LoveWillLastForever #incurablecaseoflove which resonates with me.


“Romance that consumes you never goes well. Rest stop on the side of the road, a relaxing place where you can stop by. That’s where you’ll find true love.” [just a heads up this drama is a little cringe due to their dialogue but the acting is superb.]
—Love Will Lasts Forever, Japanese Drama Series on Netflix

I don’t really understand the next line after the first, but I agree on “romance that consumes you never goes well”.

If you understand what this means “Rest stop on the side of the road, a relaxing place where you can stop by. That’s where you’ll find true love.” Please comment down below.

—marymancee ✨ || Collection of Some Random Thoughts

where have i been

in the journey of my rebirth

i seemed to have lost track of some other important aspects in life

i think i might have prioritized myself too much

or

i really haven’t loved myself that much yet

had i been there, i would not have been affected by how i was called “selfish”

nor would i have been more affected by the thought of being called one in the future

that future where i will have abandoned the blameless anchors constantly dragging me down time and time, again and again

but why do i constantly let them moor me down to the bottom?

is it because i fear the journey? (i don’t think so)

or

is it because my map is still half-empty, still unclear and kind of blurry? (could be)

or

is it because of the lack of conviction that considerable amount of time have passed and still, i haven’t even awakened the urge to set that sail yet nor have had the commitment to take the first steps for it

(sigh)

now, retracing the steps back to where it was all beginning again

where have i been since i lost me again?

where am i now to where i am going?

where is the journey really heading?

I guess…

it is not the map, it’s the final stop
“trails are made once steps are taken”

—marymancee ✨✨✨ || my realization upon writing this || P.S. anger. fear. frustration. burnout causing crankyness, irritation and apathy in life

she left after he did

walking. exploring. strolling happily together

suddenly, there was one unexpected obstacle leading to another

until they encountered another one as huge as a grizzly bear

thinking of saving each of themselves, they both ran in different directions because instinctively, they both knew that was what they had to do

eventually, there came the exhaustion and at that exact same time, they both decided to come to a stop

it was weird how they’re path would cross at that peculiar shop

peculiar as it was, it was the only place they both could go to at that point

it was like a club filled with familiar acquaintances yet somehow, they were strange suspicious people

no one could be trusted and they both knew it

a few moments of indulgence with the his and hellos, and she realized he had been gone for a while

worried he might have been captured by what was chasing them, she checked at the restroom where he was last seen entering

there was no sign of him, but there was no other way out except for the entrance door of where he entered

so she thought to herself “he must have left through that room”

demn! the next thing she knew, she was about to get caught

she was right! none of the people there could be trusted. she was old out

there was nothing else she could do

she had to save herself, too

running away from the club looking like a cabin, she thought to herself, “i knew he was wise. i knew he would know what to do. he has to save himself first. boy am i so lucky he is someone in my level. we understand each other even without verbally communicating”

all she could do was do her best to not get caught

exhausted and after a long while, still running.

realizing she has not got any sight of him, she thought he must have ran opposite to where she was heading

and then, in her longing to be with him, a thought suddenly came “i am glad he saved himself, but must he really have to go without me? didn’t i think he was someone who cares a lot for me? didn’t he claim to be someone who would be there for me until the every end? all the time i was escaping, all i had in mind was for him to be able to do the same–saving each other and still be together in the end. we just had to face the obstacles together and then, our paths intertwine again. then, all this will be worth it”

“but where is he? where did he go? will i see him again in the end? is he still there in that strange looking club of a cabin? god knows i only left there because i knew he had. boy, did he really leave me? he. just. left?”

so she left because he did.

all these in her head until she opened her eyes to the dreading sound of a silence that morning

morning of a premonition where it all was happening again \\ now i know they really mean something. they’re not just some random images coming together in my head \\ June 25, 2024

—marymancee ✨✨✨