Any user of our website is hereby bound by the privacy as stated below. If you are not comfortable with the privacy policy stated below, please be advised that you are using the site at your own risk, and are wholly responsible for any person using your computer to access it.

Your privacy is important to us. It is Barangka Credit Cooperative’s policy to respect your privacy regarding any information we may collect from you across our website, https://barangkacoop.com, and other sites we own and operate.

We only ask for personal information when we truly need it to provide a service to you. We collect it by fair and lawful means, with your knowledge and consent. We also let you know why we’re collecting it and how it will be used.

We only retain collected information for as long as necessary to provide you with your requested service. What data we store, we’ll protect within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification.

We don’t share any personally identifying information publicly or with third-parties, except when required to by law.

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites, and cannot accept responsibility or liability for their respective privacy policies.

You are free to refuse our request for your personal information, with the understanding that we may be unable to provide you with some of your desired services.

Your continued use of our website will be regarded as acceptance of our practices around privacy and personal information. If you have any questions about how we handle user data and personal information, feel free to contact us via our “Contact Us” page

This policy is effective as of 31 July 2020.

BCC's Data Privacy Consent

I authorize and give my consent to Barangka Credit Cooperative (BCC), a primary multi-purpose cooperative registered under the Cooperative Development Authority (CDA), to collect, process, update, disclose, retain, and dispose of my personal information and other sensitive personal information contained in my future member information sheet record form and any other forms of documents that I have or will submit to BCC, whether manually or electronically, in accordance with the *Data Privacy Act 2012, and its implementing Rules and Regulations (IRR):

• To verify and share my personal information from any person or entity that BCC may deem necessary including, but not limited to, credit bureaus, financial institutions, and government authorities such as the Cooperative Development Authority (CDA), Bureau of Internal Revenue (BIR), and third parties like BCC accredited agencies and service providers;

• To establish, confirm, review or update my record;

• To manage and process my account and/or services provided to me;

• To conduct membership risk, capacity and suitability assessment, product development and audit;

• To market its products and services, and other legitimate business purposes; and

• To comply with its reporting obligations under applicable laws, rules, and regulations.

I understand that any information provided to BCC is protected. BCC will only collect my Personal Information and other sensitive personal information through secure means, i.e. in person at BCC branches, via recorded line through BCC hotlines and in-house collection, e-channels – BCC business online platform, website, emails, and social media accounts.

I understand that this authorization/consent shall continue to be in effect throughout the duration of my membership with BCC and/or until the expiration of the records retention limit set by the relevant laws and regulations for membership account closure, and the period set until destruction and/or disposal of my records unless earlier withdrawn in writing.

I agree to hold BCC and the persons or entities from whom it may obtain, or with whom it may disclose or verify my personal information and other sensitive personal information free and harmless from any liability arising from the use of any such information.

Finally, I have read and understood and consent to be bound by all the terms and conditions stated above.

*https://www.privacy.gov.ph/data-privacy-act-primer/

Privacy Notice & Data Privacy Consent
I have read and agree to the Privacy Notice.
Click/tap here to read Privacy Notice.
In compliance with the Data Privacy Act (DPA) of 2012 and its Implementing Rules and Regulations, I agree and authorize Barangka Credit Cooperative (BCC), a primary multi-purpose cooperative registered under the Cooperative Development Authority (CDA), to use my Personal Information to process any transaction related in the availment of Barangka Credit Cooperative's Products and Services, including the insurance services and administer the benefits as stated in the policy and other service agreements and inform me of future customer campaigns and base its offer using the personal information I shared with the company. *
Click/tap here to read full BCC's Data Privacy Consent.
Please click/tap the checkboxes to proceed with your application.

LOAN DETAILS

MEMBER CODE * mandatory field. Click here to know your member code.
LAST NAME * mandatory field.
GIVEN NAME * mandatory field.
MIDDLE NAME optional.
CONTACT NUMBER * mandatory field.
EMAIL optional.
PRESENT ADDRESS *
Don't know your REGION & PROVINCE? kindly type your city/municipality to know your Region & Province

REGION * mandatory field.
PROVINCE * mandatory field.
CITY/MUNICIPALITY * mandatory field.
BARANGAY * mandatory field.
STREET / SUBDIVISION * mandatory field.
BLDG. / HOUSE NO. optional.
SOURCE OF INCOME
INCOME * mandatory field.
MONTHLY INCOME - ₱ * mandatory field.
LOAN
TYPE OF LOAN * mandatory field.
AMOUNT APPLIED * mandatory field.
TERM OF PAYMENT * mandatory field.
TERMS (Month) * mandatory field.
MODE OF PAYMENT * mandatory field.

LOAN PURPOSE * mandatory field.
IDENTIFICATION AUTHENTICATION & OTHER ATTACHMENTS Note: Fields marked with asterisk () are required.*
(1) IDENTIFICATION GOVERNMENT I.D. * Please provide a landscape photo of your valid ID.
LOAN ATTACHMENTS * click here to see loan attachment sample that you need to upload. click here to see the loan instruction.

LOAN DETAILS

MEMBER CODE * mandatory field. Click here to know your member code.

LAST NAME * mandatory field.

GIVEN NAME *
mandatory field.

MIDDLE NAME optional.

CONTACT NUMBER * mandatory field.

EMAIL optional.

PRESENT ADDRESS *

Don't know your REGION & PROVINCE? kindly type your city/municipality to know your Region & Province

REGION * mandatory field.

PROVINCE * mandatory field.

CITY/MUNICIPALITY * mandatory field.

BARANGAY * mandatory field.

STREET / SUBDIVISION * mandatory field.

BLDG. / HOUSE NO. optional.

SOURCE OF INCOME

INCOME * mandatory field.

MONTHLY INCOME - ₱ * mandatory field.

LOAN

TYPE OF LOAN * mandatory field.

AMOUNT APPLIED * mandatory field.

TERM OF PAYMENT * mandatory field.

TERMS (Month) * mandatory field.

MODE OF PAYMENT * mandatory field.

LOAN PURPOSE * mandatory field.

IDENTIFICATION AUTHENTICATION & OTHER ATTACHMENTS
Note: Fields marked with asterisk (*) are required.

(1) IDENTIFICATION GOVERNMENT I.D. * Please provide a landscape photo of your valid ID.

LOAN ATTACHMENTS *
click here to see loan attachment sample that you need to upload. click here to see the loan instruction.

LOAN PROMISSORY NOTE WITH AUTHORITY TO DEBIT
PESOS:__________________________________ (P___________________)
Date Received:______________
Monthly Amortization: P____________ payable every ____ day of the month starting on __________
For value received, I/We, jointly and severally promise to pay BARANGKA CREDIT COOPERATIVE (BCC) or order the sum of PESOS_____________ _____________________________ (P__________________) with interest on principal at the rate of _________________ and two percent (2%) penalty per month for overdue or unpaid balance, until the full amount has been paid. In case of any default in payment, the entire balance under this Note shall become immediately due and demandable without need of notice or demand. Each party to this Note, whether as Maker, Co-Maker, Endorser or Guarantor, severally waives presentation of payment, demand, protest and dishonor of the same. The undersigned Maker/s and/or Co-Maker/s hereby AUTHORIZE/S BCC to DEBIT/ MAKE AUTOMATIC WITHDRAWALS from any of my/our accounts in BCC or in any bank, employment office, institution, whether savings deposit, time deposit, savings plan, ATM account, pensioner savings, 13th month, bonuses, OFW remittances and the like, and credit the same to the payment of my/our obligations under this Promissory Note every due date until full payment of the loan. This remedy is non-exclusive and is without prejudice to the right of BCC to avail of such other legal remedies to collect the payment of my/our obligations in the event that the amount in said account/s is/are insufficient to pay the loan. A cooling-off period is granted from the signing of the loan documents and/or payment of applicable cooperative fees, whichever comes first. During the cooling-off period, the member-borrower may cancel or terminate the loan without any penalties, by submitting a written notice to the Cooperative, provided that the loan proceeds have not been released; and he/she shall be entitled to a refund of the fees or payments made, if any and as applicable, except for appraisal and processing fees. The Cooperative, however, reserves the right to collect a processing and administrative fee of four percent (4%) from the approved loan amount of the member-borrower to cover the costs incurred during the loan processing. Once the loan is approved and the loan proceeds have been released through check or through any other mode of disbursement by the Cooperative, the borrower has no more option to cancel the loan but only to pre-terminate it by paying the full amount of the outstanding balance including accrued interest, if any, without any right to demand for reimbursement of service fee and such other fees that might have been collected under such loan. I/We acknowledge receipt of a copy of the Loan Computation prior to the consummation of the credit or loan transaction, and that I understand and fully agree to the loan computation covering the prescribed scheduled amortizations, deductions and other charges. In witness whereof, I/We hereby affix our signature this ___ day of ________, 20__ in the City of Marikina.
ACCEPTANCE (Loan Promissory Note with Authority to Debit) * Tap/Click to accept the Loan Promissory Note with Authority to Debit.
SIGNATURE *

LOAN PROMISSORY NOTE WITH AUTHORITY TO DEBIT

PESOS:__________________________________ (P___________________)

Date Received:______________

Monthly Amortization: P____________ payable every ____ day of the month starting on __________

       For value received, I/We, jointly and severally promise to pay BARANGKA CREDIT COOPERATIVE (BCC) or order the sum of PESOS_____________
_____________________________ (P__________________) with interest on principal at the rate of _________________ and two percent (2%)
penalty per month for overdue or unpaid balance, until the full amount has been paid. In case of any default in payment, the entire balance under this Note shall
become immediately due and demandable without need of notice or demand. Each party to this Note, whether as Maker, Co-Maker, Endorser or Guarantor, severally waives presentation of payment, demand, protest and dishonor of the same.

       The undersigned Maker/s and/or Co-Maker/s hereby AUTHORIZE/S BCC to DEBIT/ MAKE AUTOMATIC WITHDRAWALS from any of my/our accounts in
BCC or in any bank, employment office, institution, whether savings deposit, time deposit, savings plan, ATM account, pensioner savings, 13th month, bonuses, OFW
remittances and the like, and credit the same to the payment of my/our obligations under this Promissory Note every due date until full payment of the loan. This
remedy is non-exclusive and is without prejudice to the right of BCC to avail of such other legal remedies to collect the payment of my/our obligations in the event
that the amount in said account/s is/are insufficient to pay the loan.

       A cooling-off period is granted from the signing of the loan documents and/or payment of applicable cooperative fees, whichever comes first. During the
cooling-off period, the member-borrower may cancel or terminate the loan without any penalties, by submitting a written notice to the Cooperative, provided that the
loan proceeds have not been released; and he/she shall be entitled to a refund of the fees or payments made, if any and as applicable, except for appraisal and
processing fees. The Cooperative, however, reserves the right to collect a processing and administrative fee of four percent (4%) from the approved loan amount of
the member-borrower to cover the costs incurred during the loan processing. Once the loan is approved and the loan proceeds have been released through check or
through any other mode of disbursement by the Cooperative, the borrower has no more option to cancel the loan but only to pre-terminate it by paying the full amount
of the outstanding balance including accrued interest, if any, without any right to demand for reimbursement of service fee and such other fees that might have been
collected under such loan.        I/We acknowledge receipt of a copy of the Loan Computation prior to the consummation of the credit or loan transaction, and that I understand and fully
agree to the loan computation covering the prescribed scheduled amortizations, deductions and other charges.

       In witness whereof, I/We hereby affix our signature this ___ day of ________, 20__ in the City of Marikina.

ACCEPTANCE (Loan Promissory Note with Authority to Debit) *
Tap/Click to accept the Loan Promissory Note with Authority to Debit.

SIGNATURE *

REVIEW PAGE
DATE OF APPLICATION:
MEMBER CODE:
LAST NAME:
GIVEN NAME:
MIDDLE NAME:
CONTACT NUMBER:
EMAIL:
PRESENT ADDRESS
BLDG. / HOUSE NO.:
STREET / SUBDIVISION:
BARANGAY:
CITY/MUNICIPALITY:
INCOME:
MONTHLY INCOME - ₱:
LOAN
TYPE OF LOAN:
AMOUNT APPLIED:
TERMS (Month):
TERM OF PAYMENT:
MODE OF PAYMENT:
LOAN PURPOSE:
IDENTIFICATION AUTHENTICATION & OTHER ATTACHMENTS
GOVERMENT I.D.:
LOAN ATTACHMENTS:
SIGNATURE

ACCEPTANCE
I Agree & I confirm that the information given is this online form is true, complete, and accurate.

PRIVACY POLICY

BCC's Data Privacy Consent