Terms & Conditions
Terms governing use of the IPCMU-ltd website and member services.
Effective date: August 13, 2026
Acceptance of terms
By accessing or using the IPCMU-ltd website and services, you agree to these Terms & Conditions. If you do not agree, please do not use our website or services.
Use of the website
You agree to use this website lawfully and respectfully. You must not attempt to gain unauthorised access, disrupt site operations, submit false information, or use the platform for fraudulent or harmful purposes.
Membership and registration
Registration as a member is subject to verification, membership fee payment, and approval. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
Cooperative services
Access to savings, loans, shares, Easy Own, and other products is subject to cooperative bylaws, eligibility criteria, approved limits, and applicable fees. All financial transactions are subject to review and cooperative policies.
Payments
Online payments processed through Paystack are subject to the payment provider's terms as well as our cooperative confirmation processes. Members should retain payment references until transactions are confirmed.
Intellectual property
Content on this website, including text, logos, images, and branding, is owned by or licensed to IPCMU-ltd. You may not reproduce or distribute content without prior written permission.
Limitation of liability
We strive to keep information on this website accurate and up to date, but we make no warranties regarding completeness or availability. To the fullest extent permitted by law, we are not liable for indirect or consequential losses arising from use of the website or services.
Governing law
These terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be subject to the jurisdiction of competent courts in Nigeria unless otherwise required by applicable cooperative or regulatory rules.
Contact
Questions about these terms may be directed to irorundecmunion@gmail.com or through the contact details published on our website.