Terms and Conditions

Last Updated: September 2025

Welcome to CAEMC mobile application, operated by Cebu Air Employees Multipurpose Cooperative. By downloading, accessing, or using this App, you agree to be bound by these Terms and Conditions. Please read them carefully before using the App.

If you do not agree to these Terms, you may not access or use the App.

1. Use of the App

  • The App is provided for members and authorized users of Cebu Air Employees Multipurpose Cooperative.
  • You agree to use the App only for lawful purposes and in accordance with these Terms.
  • You are responsible for ensuring that your login credentials remain confidential. Any activity under your account will be considered your responsibility.

2. Membership and Services

  • Some features of the App may be accessible only to members of the Cooperative.
  • All services and products offered through the App are subject to applicable cooperative policies, contracts, and agreements.

3. Privacy and Data Protection

  • We respect your privacy. Any personal information you provide will be collected, stored, and processed in accordance with our Privacy Policy.
  • By using the App, you consent to the collection and use of your data as described in the Privacy Policy.

4. Prohibited Activities You agree not to:

  • Use the App in any way that may damage, disable, or impair its functionality.
  • Attempt to gain unauthorized access to the App or related systems.
  • Use the App to transmit harmful, offensive, or unlawful content.

5. Limitation of Liability

  • We strive to keep the App secure and functional; however, we do not guarantee that it will always be available, error-free, or free of harmful components.
  • To the maximum extent permitted by law, Cebu Air Employees Multipurpose Cooperative is not liable for any damages, losses, or liabilities arising from your use of the App.

6. Updates and Modifications

  • We may update, modify, or discontinue features of the App at any time without prior notice.
  • We may also update these Terms from time to time. Continued use of the App after such updates constitutes your acceptance of the revised Terms.

7. Termination of Access

  • We reserve the right to suspend or terminate your access to the App if you violate these Terms or misuse the services.

8. Contact Us

For questions, concerns, or feedback regarding these Terms, you may contact us at:

Cebu Air Employees Multipurpose Cooperative Landline#: (02) 7121-1722 | (02) 7000-0029 | (02) 8741-8569 | 09171129007 | 09171599957

Cellphone#: 09271128281 | 09164847126 | 09171404495 | 09171129007

Address: Cebu Air Employees Multi-Purpose Cooperative (CAEMC) 6-11 Compound, Pildera 1, NAIA Road, Pasay City.

Email: caemc_loans@caemc.com.ph | caemc_membership@caemc.com.ph | hrmarketing@caemc.com.ph