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Terms & Conditions

Introduction

Welcome to Magdiwata Basic Care – Mutual Benefits Association (MBC-MBA), also known as Peoples Bank of Caraga – Mutual Benefits Association, Inc. By accessing or using our website, services, and products, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

Definitions

  • “MBC-MBA,” “We,” “Us,” or “Our” refers to Magdiwata Basic Care – Mutual Benefits Association.
  • “User,” “You,” or “Your” refers to individuals who access and use our website and services.
  • “Services” refers to the insurance and membership benefits provided by MBC-MBA.

Use of Website

  • You must be at least 18 years old or have the legal capacity to enter into agreements to use our website and services.
  • You agree to use the website only for lawful purposes and in a manner that does not infringe on the rights of others.
  • Unauthorized use, reproduction, or distribution of any content from this website is strictly prohibited.

Membership and Services

  • Membership with MBC-MBA is subject to eligibility criteria and approval.
  • By becoming a member, you agree to provide accurate and complete information.
  • Membership benefits, coverage, and obligations are outlined in our membership agreements and policies.

Payments and Fees

  • Payments for membership contributions, insurance premiums, and other fees must be made according to the prescribed schedule.
  • MBC-MBA reserves the right to modify fees and charges, with notice provided to members.
  • Late or non-payment of fees may result in the suspension or termination of benefits.

Intellectual Property Rights

  • All content on this website, including text, images, logos, and designs, is the property of MBC-MBA and protected by copyright laws.
  • Users are not permitted to copy, modify, distribute, or use any content without prior written consent.

Limitation of Liability

  • MBC-MBA is not responsible for any losses, damages, or liabilities resulting from the use of our website or services.
  • We do not guarantee uninterrupted or error-free access to the website.
  • MBC-MBA shall not be liable for any indirect, incidental, or consequential damages.

Privacy Policy

  • Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data.
  • By using our website, you consent to our data collection and processing practices.

Third-Party Links

  • Our website may contain links to external sites that are not operated by MBC-MBA.
  • We do not control or endorse these third-party websites and are not responsible for their content or policies.

Termination of Use

  • MBC-MBA reserves the right to suspend or terminate access to our website or services if users violate these Terms & Conditions.
  • Any fraudulent, abusive, or illegal activity may result in legal action.

Amendments to Terms

  • MBC-MBA reserves the right to update or modify these Terms & Conditions at any time.
  • Changes will be posted on this page, and continued use of our website constitutes acceptance of the updated terms.

Governing Law

  • These Terms & Conditions are governed by the laws of the Philippines.
  • Any disputes arising from these terms shall be resolved in accordance with Philippine legal procedures.

Contact Information

For any inquiries regarding these Terms & Conditions, you may contact us:

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.