Effective date: 28 September 2026
1. About these terms
These Terms and Conditions govern your use of the website and online services operated by Oreoluwapo Ilaro Cooperative Thrift & Credit Union Ltd. ("Oreoluwapo", "we", "us", or "our"). By accessing or using our services, you agree to these terms. If you do not agree, please do not use the services.
2. Cooperative membership
Information on this website does not by itself create cooperative membership or guarantee approval of a savings product, loan, benefit, or other service. Membership and financial services remain subject to our applicable bylaws, policies, eligibility requirements, approvals, and any separate agreement provided to you.
3. Account responsibilities
You must provide accurate information and keep your login details confidential. You are responsible for activity performed through your account unless you promptly notify us of suspected unauthorised access. Please contact us immediately if your password, device, or account may have been compromised.
4. Acceptable use
You must not misuse the website, attempt unauthorised access, interfere with its operation, introduce malicious code, impersonate another person, submit unlawful or misleading information, or use the services in a way that infringes another person's rights or violates applicable law.
5. Transactions and records
Balances, statements, repayment information, and other records displayed online are provided from our current records and may be subject to verification, correction, pending entries, or reconciliation. Please report any suspected error promptly. Official cooperative records and applicable signed agreements will govern where permitted by law.
6. Electronic communications
You agree that we may send service-related notices through the contact details associated with your account, including email or SMS where appropriate. You are responsible for keeping those details current. Marketing communications will be handled according to applicable law and your available preferences.
7. Intellectual property
The website's design, branding, text, graphics, and other content belong to Oreoluwapo or their respective licensors. You may view and print content for personal, non-commercial use, but may not reproduce, modify, or distribute it without permission unless the law allows otherwise.
8. Availability and third-party services
We aim to keep our services accurate, secure, and available, but we do not promise uninterrupted or error-free operation. Maintenance, network failures, security events, or third-party providers may affect availability. Links to third-party websites are supplied for convenience; their content and privacy practices are controlled by those third parties.
9. Disclaimer and responsibility
General website content is provided for information and is not personal financial, legal, or tax advice. To the extent permitted by law, we are not responsible for indirect or consequential loss arising solely from use of, or inability to use, the website. Nothing in these terms excludes a responsibility or legal right that cannot lawfully be excluded.
10. Suspension and termination
We may restrict or suspend online access where reasonably necessary to protect users, investigate suspected misuse, comply with law, maintain the service, or enforce these terms. Ending online access does not by itself cancel outstanding cooperative obligations.
11. Privacy
Our Privacy Policy explains how we collect, use, retain, and protect personal information and how you may exercise your privacy rights.
12. Governing law and changes
These terms are governed by the laws of the Federal Republic of Nigeria. We may update them when our services or legal obligations change. The effective date above will be revised, and material changes may also be communicated through the website or member channels.
13. Contact us
Questions about these terms may be sent to info@oreoluwapoilarocoop.com.ng, raised by telephone on +234 815 127 3635, or delivered to Udoji Road, along Odo-Aje Road, opposite Okobo Joint, Ilaro, Ogun State.