Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read and understood these Terms of Service and agree to comply with them and with applicable laws and regulations.

If you do not agree with these terms, you should discontinue use of the website and any optional online features provided through it.

2. About ASCCOM COOP

ASCCOM Multi-Purpose Cooperative is a cooperative organization providing services, programs, activities, and financial products to its members and qualified applicants in accordance with its Articles of Cooperation, bylaws, internal policies, and applicable laws and regulations.

This website serves primarily as an information and communication platform for ASCCOM COOP, its members, prospective members, clients, and the communities it serves.

3. Use of the Website

You may use this website for lawful purposes, including:

• Learning about ASCCOM COOP and its services
• Viewing cooperative announcements, events, programs, and activities
• Accessing membership information
• Following links to approved online forms or services
• Contacting ASCCOM COOP
• Subscribing to cooperative updates where available

You agree not to use the website for unlawful, fraudulent, abusive, disruptive, or unauthorized purposes.

4. Website Information

ASCCOM COOP endeavors to provide accurate, relevant, and updated information through this website. However, information published online may be revised or updated from time to time.

Information concerning programs, schedules, requirements, products, services, benefits, fees, rates, and other cooperative matters is provided for general informational purposes unless expressly stated otherwise.

Where there is a difference between information displayed on the website and an official ASCCOM COOP record, agreement, approved policy, or official communication, the applicable official record or document shall govern, subject to applicable law.

5. Membership Applications

Membership remains subject to applicable qualifications, submission and verification of required documents, completion of required procedures, and approval in accordance with ASCCOM COOP's bylaws, policies, and applicable laws and regulations.

Applicants are responsible for ensuring that information and documents submitted during the application process are complete, accurate, and truthful.

ASCCOM COOP may request additional documents or information where reasonably necessary to evaluate or process an application.

6. Financial Products and Services

Information regarding ASCCOM COOP loan facilities, savings, deposits, share capital, financial products, member benefits, or other services appearing on this website is provided for general informational purposes.

Actual eligibility, rates, fees, charges, requirements, terms, conditions, payment schedules, and approval shall depend on the applicable ASCCOM COOP product, policy, agreement, and official records in effect at the time of the transaction.

Display of a product or service on this website does not guarantee approval, qualification, availability, or entitlement to that product or service.

The loan calculator on this website provides estimates only, based on the information you enter and ASCCOM COOP's published rates and charges at the time. It is not an offer, approval, or commitment to lend. Your actual loan amount, charges, and payment schedule will be set out in your loan documents.

7. User Responsibilities

When using this website, you agree not to:

• Provide false, misleading, or fraudulent information
• Impersonate another person or represent yourself as another individual without authorization
• Attempt to gain unauthorized access to the website, server, database, accounts, or systems
• Introduce viruses, malicious code, or other harmful technologies
• Attempt to interfere with the normal operation or security of the website
• Use automated systems to improperly access, scrape, overload, or disrupt the website
• Use website content for unlawful or unauthorized purposes

8. Third-Party Websites and Services

This website may contain links to external websites or services operated by third parties, including platforms used for online forms, maps, social media, and related services.

Examples include Jotform (online membership form), Web3Forms (delivery of Contact form and newsletter messages), Google Maps (embedded location maps), Google Fonts, Facebook and Messenger, and other platforms selected by ASCCOM COOP.

Third-party platforms are governed by their own terms, privacy policies, security practices, and availability. ASCCOM COOP does not control all aspects of those external platforms.

9. Intellectual Property

Unless otherwise stated, content created or owned by ASCCOM COOP and displayed on this website—including its name, branding, logos, graphics, designs, text, photographs, videos, promotional materials, and other original content—is protected by applicable intellectual property laws.

You may view website content for personal, informational, and lawful purposes.

Reproduction, modification, distribution, publication, commercial use, or representation of ASCCOM COOP content as your own may require prior authorization from the Cooperative, except where otherwise permitted by law.

10. Website Availability

ASCCOM COOP endeavors to maintain reasonable availability and security of this website. However, access may occasionally be interrupted due to:

• Maintenance and system updates
• Technical difficulties
• Internet or hosting interruptions
• Security-related concerns
• Events beyond reasonable control

ASCCOM COOP may modify, suspend, restrict, or discontinue website features where reasonably necessary for maintenance, security, compliance, or operational purposes.

11. Disclaimer and Limitation

The website and its general informational content are provided for convenient access to ASCCOM COOP information and services.

Users should confirm important financial, membership, transactional, or time-sensitive information directly with ASCCOM COOP before relying on website information for a decision or transaction.

Nothing in these Terms is intended to exclude, restrict, or waive any right, remedy, obligation, or liability that cannot lawfully be excluded or limited under applicable Philippine law.

12. Privacy and Personal Information

Use of certain website features may involve the collection or processing of personal information.

ASCCOM COOP processes personal information in accordance with applicable privacy laws and its privacy practices.

13. Changes to These Terms

ASCCOM COOP may revise these Terms of Service from time to time to reflect changes in website functionality, Cooperative services, policies, technologies, or applicable legal requirements.

The latest version will be made available on this website together with its applicable effective or revision date.

14. Governing Law

These Terms of Service shall be interpreted in accordance with applicable laws and regulations of the Republic of the Philippines, without limiting any mandatory rights or remedies available under applicable law.

15. Contact Us

For questions or concerns regarding these Terms of Service or the ASCCOM COOP website, please contact: