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<!DOCTYPE html> <html lang="en"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title>Terms and Conditions - Family Lifers MPC</title> <style> body { font-family: Arial, sans-serif; line-height: 1.6; margin: 20px; padding: 0; background-color: #f9f9f9; color: #333; } h1, h2 { color: #2c3e50; } .container { max-width: 900px; margin: auto; background: #fff; padding: 30px; border-radius: 8px; box-shadow: 0 0 10px rgba(0,0,0,0.1); } a { color: #2980b9; } </style> </head> <body> <div class="container"> <h1>Terms and Conditions of Use</h1> <p><strong>Effective Date:</strong> September 14, 2025</p> <h2>1. About Us</h2> <p> Family Lifers Multi-Purpose Cooperative (“we,” “us,” “our,” or “the Cooperative”) is a duly registered cooperative offering a wide range of financial and community-based services including loan products, savings programs, scholarship grants, insurance, and funeral assistance. </p> <p> Our website <a href="https://familylifersmpc.com" target="_blank">familylifersmpc.com</a> provides information about our services and allows registered cooperative members to view their savings and loan information through a secure login system. </p> <h2>2. Website Use</h2> <p>This website is provided to allow users to:</p> <ul> <li>View details of our loan offerings (Regular Loan, Special Loan, Petty Cash Loan, Rice Loan)</li> <li>Access information on savings options (Savings Deposit, Time Deposit)</li> <li>Learn about cooperative programs (Scholarship, Funeral, Insurance)</li> <li>Registered members can securely log in to view their account details</li> </ul> <h2>3. Member Accounts and Login</h2> <p> Only officially registered members of Family Lifers MPC may log in to view their account details. <strong>Online registration is not available.</strong> All membership applications and registrations must be completed <strong>in person at our office</strong> in Malandog, Hamtic, Antique. </p> <h2>4. Accuracy of Information</h2> <p> While we aim to keep all content up-to-date and accurate, we make no warranties about the completeness or reliability of any information. The Cooperative may update or change the content on this site at any time without notice. </p> <h2>5. Privacy and Data Protection</h2> <p> We respect and protect your privacy. All personal data is processed according to applicable laws and our internal privacy policies. We do not share your data with third parties unless required by law or with your consent. </p> <h2>6. Intellectual Property</h2> <p> All text, images, logos, and other content on this website are the intellectual property of Family Lifers MPC and may not be reproduced or used without permission. </p> <h2>7. User Responsibilities</h2> <p>By using this website, you agree not to:</p> <ul> <li>Attempt to gain unauthorized access to another member’s account</li> <li>Use the website for unlawful or fraudulent purposes</li> <li>Share your login credentials with others</li> <li>Upload any harmful software or malicious content</li> </ul> <h2>8. Links to Third-Party Sites</h2> <p> This website may include links to external sites. These are provided for convenience and do not imply any endorsement. We are not responsible for the content or privacy practices of those third-party websites. </p> <h2>9. Limitation of Liability</h2> <p> Family Lifers MPC shall not be liable for any damages arising from the use or inability to use the website, including technical issues, loss of data, or unauthorized access, unless due to our proven gross negligence or intentional misconduct. </p> <h2>10. Changes to Terms</h2> <p> We may update these Terms and Conditions from time to time. Any changes will be posted on this page and become effective immediately. You are advised to review this page periodically. </p> <h2>11. Governing Law</h2> <p> These Terms and Conditions are governed by the laws of the Republic of the Philippines. </p> <h2>12. Contact Us</h2> <p> If you have any questions or concerns regarding these Terms and Conditions, please contact us: </p> <ul> <li><strong>Address:</strong> Malandog, Hamtic, Antique</li> <li><strong>Email:</strong> <a href="mailto:coop.familylifers@gmail.com">coop.familylifers@gmail.com</a></li> <li><strong>Phone:</strong> +63916 440 4701</li> <li><strong>Website:</strong> <a href="https://familylifersmpc.com" target="_blank">familylifersmpc.com</a></li> </ul> </div> </body> </html>
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