Terms and Conditions

Last Updated: August 11, 2026

Welcome to Family Lifers Multipurpose Cooperative ("Family Lifers MPC", "we", "our", or "us"). These Terms and Conditions govern your access to and use of familylifersmpc.com and any services, features, information, or member account facilities made available through the website.

By accessing or using this website, you agree to comply with these Terms and Conditions. If you do not agree with these terms, please do not use the website.

1. About the Website

This website provides information and online services related to Family Lifers MPC and may include access to member-related information and account services through the My Coop Account portal.

Certain services or transactions may be subject to additional rules, requirements, agreements, or policies provided by the Cooperative.

2. Eligibility

You may use the website only if you are legally capable of entering into agreements under applicable laws.

If you access member-only services, you are responsible for ensuring that the information associated with your account is accurate and up to date.

3. Member Accounts

Certain features may require you to create or access a member account.

You are responsible for:

• Keeping your username, password, and other login credentials confidential.
• Providing accurate and complete information.
• Updating your information when necessary.
• All activities performed through your account.
• Immediately notifying the Cooperative if you believe your account has been compromised.

You should never share your password, one-time passwords (OTPs), security codes, or other authentication information with another person.

4. Acceptable Use

You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation or security of the website.

You must not:

• Attempt to gain unauthorized access to accounts or systems.
• Attempt to bypass or interfere with security features.
• Use the website to distribute malicious software or harmful code.
• Submit false, misleading, or fraudulent information.
• Use another person's account without authorization.
• Attempt to disrupt or damage the website or its underlying systems.
• Use automated tools to access the website in a manner that could adversely affect its operation.

5. Website Information

We make reasonable efforts to ensure that information published on the website is accurate and current. However, information may occasionally contain errors, omissions, or become outdated.

Information provided through the website should not automatically be considered a guarantee, confirmation, or final determination regarding any member account, transaction, loan, savings, or other cooperative service unless expressly identified as such.

6. Transactions and Member Services

Some services available through the website may require additional verification or approval by Family Lifers MPC.

The submission of an online request does not necessarily mean that the request has been approved or completed. Where applicable, transactions remain subject to the Cooperative's policies, verification procedures, eligibility requirements, and applicable laws and regulations.

7. Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, logos, designs, images, software, and other materials, is owned by or licensed to Family Lifers MPC and is protected by applicable intellectual property laws.

You may view and use website content for legitimate personal or member-related purposes. You may not reproduce, modify, distribute, sell, or commercially exploit website content without prior written permission.

8. Third-Party Services and Links

The website may contain links to third-party websites, services, or applications. These third-party services are not controlled by Family Lifers MPC.

We are not responsible for the content, security, availability, or privacy practices of third-party websites.

9. Website Availability

We may temporarily suspend, restrict, modify, or discontinue portions of the website for maintenance, upgrades, security reasons, technical issues, or other operational requirements.

We do not guarantee that the website will always be available, uninterrupted, error-free, or free from security vulnerabilities.

10. Limitation of Liability

To the extent permitted by applicable law, Family Lifers MPC shall not be liable for losses or damages arising from your inability to access or use the website, interruptions in service, unauthorized access resulting from circumstances outside our reasonable control, or reliance on information that is incomplete or outdated.

11. Security

We take reasonable measures to protect our website and systems. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

You are responsible for maintaining the security of your own devices, passwords, and account credentials.

12. Changes to These Terms

Family Lifers MPC may update these Terms and Conditions from time to time. Changes will become effective when posted on this page, unless otherwise stated.

Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms and Conditions.

13. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of the Philippines, without prejudice to applicable laws and regulations governing cooperatives and their operations.

14. Contact

Family Lifers Multipurpose Cooperative
Malandog, Hamtic, Antique