Privacy Policy

• 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
• Non-personal information from online access (IP address, operating system, browser type, and device identifiers)

• Application Forms: Membership, loans, or services (paper or online)
• In-person: Visits to cooperative offices or service centers
• Online Platforms: Use of our website, apps, or services (e.g., IP, device info, browsing activity)
• Surveys and Feedback: Feedback forms or questionnaires (online or offline)
• Customer Service: Communications via phone, email, or in-person interactions

• Open, manage, and close member accounts
• Facilitate effective communication with members
• Review, approve, and manage applications for cooperative services
• Ensure compliance with identity verification requirements
• Conduct credit and background checks
• Assess eligibility for services and products
• Analyze member profiles and associated risks
• Provide high-quality support and services
• Internal operations (administration, auditing, risk, and credit management)
• Fulfill legal and regulatory reporting duties

• Right to Be Informed: Transparency in how your data is collected, used, stored, and shared
• Right to Access: Request access to your personal information
• Right to Correction: Update or correct inaccurate information
• Right to Erasure or Blocking: Request deletion or restriction of data unless required by law
• Right to Data Portability: Obtain a copy of your data or have it transferred to another organization
• Right to Object: Opt out of data use for marketing or profiling
• Right to File a Complaint: Submit complaints to the NPC
• Right to Damages: Seek compensation for unlawful data misuse

• By Law or to Protect Rights: When required by law, for investigations, or to protect safety
• Third-Party Service Providers: For payment processing, data analysis, email delivery, customer service, and marketing
• Affiliates: Cooperative federations, subsidiaries, and joint venture partners following this Privacy Policy
• Business Partners: To provide products, services, or promotions
• Other Third Parties: Advertisers or investors for legal business purposes

We retain your personal information only for as long as necessary for the purposes for which it was collected, or as required by law. After membership ends or upon your request for deletion, data is securely disposed of through methods such as shredding or rendering digital records irretrievable.

We implement administrative, technical, and physical safeguards to secure your information, including encrypted communications, restricted access, and regular staff training.

Policy Updates: We will notify you of any changes by updating the "Last Updated" date below.

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.