IMPORTANT: These Terms and Conditions contain a dispute resolution clause that impacts your rights about how to resolve disputes. Please read it carefully.
These terms and conditions (the "Terms and Conditions") govern the use of www.magnificatcredit.org (the "Site") services (the "Services"), applications, tools or messaging (collectively, our "Platforms"). Our Site and Platforms are owned and operated by Magnificat Central Credit Cooperative ("MCCC").
By visiting or interacting with our Platforms, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
📚 Intellectual Property
All content published and made available on properties of Magnificat Central Credit Cooperative and its creators are owned by Magnificat Central Credit Cooperative and its creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Platforms. You may not use, reproduce, or distribute any content from our Platforms without prior written consent.
✅ Acceptable Use
As a user of our Platforms, you agree to use our Platforms legally and responsibly. Prohibited activities include, but are not limited to:
- Harassing or mistreating other users
- Violating the rights of other users
- Infringing upon the intellectual property rights of our Platforms owners or any third party
- Attempting to gain unauthorized access to other users' accounts
- Engaging in fraudulent activities
- Posting or sharing inappropriate or offensive content
- Distributing computer viruses or other harmful software
If we believe you are using our Platforms illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend or terminate your access to our Platforms.
👥 User Contributions
Users may post the following information on our Platforms:
- Items for sale
- Photos
- Videos
- Public comments
Content Usage Guidelines
When posting content on our Platforms, users must adhere to the following guidelines:
- Content must be relevant and appropriate for the intended audience
- Users are responsible for the accuracy and legality of their contributions
- Offensive, discriminatory, or illegal content will not be tolerated
- Users must respect the intellectual property rights of others
- MCCC reserves the right to remove any content that violates these guidelines
🔐 Accounts
When you create an account on our Platforms, you agree to the following:
- You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account
- All personal information you provide to us through your account is up-to-date, accurate, and truthful and that you will update your personal information if it changes
We reserve the right to suspend or terminate your account if you are using our Platforms illegally or if you violate these Terms and Conditions.
🛒 Sale of Goods and Services
These Terms and Conditions govern the sale/use of goods and services that we provide.
Payment for goods and services must be made in full at the time of purchase unless otherwise stated or agreed upon.
Prices and availability of products are subject to change without notice. MCCC and the merchants reserve the right to modify, reject or cancel your order whenever it becomes necessary.
🤝 Third-Party Goods and Services
Our Platforms may offer goods and services from third parties. We cannot guarantee the quality or accuracy of goods and services made available by third parties on our Platforms.
Merchant Goods and Services
Our Platforms allow merchants to sell goods and services. We do not assume any responsibility for the goods and services merchants sell on our Platforms. However, if we are made aware that a merchant is violating these Terms and Conditions, we reserve the right to suspend or prohibit the merchant from selling goods and services on our Platforms.
💳 Payments
We accept the following payment methods on our Platforms:
- Major Credit Cards (Master Card, Visa, AmEx, etc.)
- Debit and Debit Credit Cards
- Bank ACH
When you provide us with your payment information, you authorize our use of and access to the payment instrument you have chosen to use.
💰 Refunds
Refunds for Goods and Services
Refund requests must be made within 30 days of receipt of your goods or services.
We accept refund requests for goods sold on our Site for any of the following reasons:
- Goods damaged
- Good does not match description
- Good is the wrong size
- Purchaser changed their mind
- Services does not meet the purchaser's expectations
⚙️ Service Provisions
MCCC agrees to provide the following services to users in accordance with these Terms and Conditions:
- Access to the Platforms and their associated features and functionalities
- Technical support and assistance as needed
- Regular updates and maintenance to ensure optimal performance and security
Service Limitations
MCCC reserves the right to impose certain limitations or restrictions on the use of its services, including but not limited to:
- Restrictions on the availability of certain features based on user eligibility
- Limits on the frequency or volume of use to prevent abuse
- Suspension or termination of services for users who violate these Terms
🛡️ Consumer Protection Law
Where the Business Practice and Consumer Protection Act, or any other consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms and Conditions will not limit your legal rights and remedies under that legislation.
⚖️ Limitation of Liability
Magnificat Central Credit Cooperative and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site and Platforms.
Indemnity
Except where prohibited by law, by using our Site and Platforms, you indemnify and hold harmless Magnificat Central Credit Cooperative and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site and Platforms or your violation of these Terms and Conditions.
🌏 Applicable Law
These Terms and Conditions are governed by the laws of the Philippines.
🤝 Dispute Resolution
Important Dispute Resolution Clause:
Subject to any exceptions specified in these Terms and Conditions, if you and Magnificat Central Credit Cooperative are unable to resolve any dispute through informal discussion, then you and Magnificat Central Credit Cooperative agree to submit the issue first before a non-binding mediator and to an arbitrator in the event that mediation fails.
Notwithstanding any other provision in these Terms and Conditions, you and Magnificat Central Credit Cooperative agree that you both retain the right to bring an action in small claims court and to bring an action for injunctive relief or intellectual property infringement.
📝 Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.