Privacy Policy

Your Data. Our Responsibility.

Oro Integrated Cooperative is committed to protecting and respecting members’ data privacy and ensuring that all personal data collected from members and employees are processed according to the general principles of transparency, legitimate purpose, and proportionality. It is in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, and other issuances by the National Privacy Commission.

• Name, Age, Date/Place of Birth, Sex, Civil Status, Religion, Nationality

• Relevant individuals such as family members, beneficiaries, and co-makers

• Address and Contact Details

• Educational Background

• Government-issued identification details

• Specimen signatures

• Employment and/or business information

• Financial information

• Permits, Licenses & Registrations

• Transaction details with third-party merchants and companies

• CCTV footage for security purposes

• Other personal information authorized and mandated by law to be collected

• In the case of online or mobile application access to the cooperative’s facilities, non-personal information such as the IP address, operating system, browser type and version, and other machine-related identifiers provided by the member’s device.

Oro Integrated Cooperative collects personal information through, but not limited to, any of the following:

• Application Forms: When members fill out forms for membership, loans, or services, either on paper or online.

• In-person: When members visit cooperative offices or service centers for transactions or inquiries.

• Online Platforms: Automatically when members use our website, mobile apps, or online services (e.g., IP addresses, browsing habits, and device details)

• Surveys and Feedback: Through surveys, feedback forms, or questionnaires, whether online or offline.

• Customer Service: During communications via phone, email, or in-person with cooperative employees.

Oro Integrated Cooperative will process members’ personal information for the following purposes:

• Open, manage, and close member accounts as needed;

• Facilitate smooth and effective communication with members;

• Review, approve, and manage applications for cooperative services or products requested by members;

• Ensure compliance with member identity verification requirements;

• Conduct necessary credit and background checks;

• Assess members’ eligibility for cooperative services and products;

• Analyze member profiles and associated risks;

• Provide high-quality support and services to members;

• For internal operations such as administration, auditing, risk, and credit management;

• Fulfill reporting duties required by law and regulatory authorities.

As a member of the cooperative, you have the following data privacy rights:

1. Right to Be Informed: You have the right to understand how your personal data is collected, used, stored, and shared. We ensure transparency in our data practices.

2. Right to Access: You can request access to the personal information we hold about you and learn how it is being used.

3. Right to Correction: If your personal information is incorrect or incomplete, you can ask us to correct or update it.

4. Right to Erasure or Blocking: You can request that we delete or block your personal data if it is no longer needed, if you withdraw your consent, or if you want to limit its use—unless we are required by law to retain it.

5. Right to Data Portability: You can request a copy of your personal data in a usable format, or ask for it to be transferred to another organization if possible.

6. Right to Object: You have the right to object to the use of your data for specific purposes, such as marketing or profiling.

7. Right to File a Complaint: If you believe your data privacy rights have been violated, you can file a complaint with the appropriate authority.

8. Right to Damages: You have the right to seek compensation if your data is misused or handled unlawfully.

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• By Law or to Protect Rights: If we believe it’s necessary to respond to legal requirements, investigate policy violations, or protect the rights and safety of others, we may disclose your information as allowed by law. This includes sharing information with other organizations to prevent fraud and reduce credit risk.

• Third-Party Service Providers: We may share your information with third-party service providers who perform tasks on our behalf, such as payment processing, data analysis, email delivery, customer service, and marketing support.

• Affiliates: We may share your information with our affiliates, such as our cooperative federations, subsidiaries, and joint venture partners. We ensure these affiliates follow this Privacy Policy.

• Business Partners: We may share your information with business partners to provide you with certain products, services, or promotions.

• Other Third Parties: We may share your information with advertisers and investors for business analysis or marketing purposes, as allowed by law.

We are committed to protecting your personal information and will retain it as long as necessary for the purpose for which it was collected. Your data will be kept for the duration of your membership and for any required legal or regulatory obligations.

If you close your account, we will retain your information only as long as necessary to meet any remaining legal obligations. After this period, or upon your request for deletion, we will securely dispose of your data. This includes physical destruction of records and backup media (e.g., shredding, cut into pieces, or other methods that render the information irretrievable).

We prioritize the protection of your personal information through a combination of security measures. We use administrative, technical, and physical safeguards to prevent unauthorized access, ensuring that only authorized personnel can view your data. We employ encryption for secure data transmission, provide secure communication methods, and regularly train our staff on data protection practices. These measures help us protect your information and uphold your confidence in us.

We will notify you of any changes by updating the “Last Updated” date at the bottom of this Privacy Policy.

Contact Us: For questions or requests, email our Data Protection Officer (DPO) at compliance@orointegrated.coop

NPC Seal of Registration: Oro Integrated Cooperative, located at OIC Building, Tiano-Yacapin St., Cagayan de Oro, Misamis Oriental, complies with the Data Privacy Act of 2012 and related regulations.

NPC Seal of Registration: Oro Integrated Cooperative, located at OIC Building, Tiano-Yacapin St., Cagayan de Oro, Misamis Oriental, complies with the Data Privacy Act of 2012 and related regulations.

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Contact Us

For questions or concerns, contact our Data Protection Officer (DPO):

Email: compliance@orointegrated.coop

NPC Registered • Oro Integrated Cooperative • Cagayan de Oro, Misamis Oriental
Last Updated: December 2025