How refunds, returns, and cancellations work for cooperative-store purchases and membership-related fees.
Products sold through AFF-MPC's cooperative store (such as fishing supplies, feeds, and household goods) may be returned or exchanged within [Insert number] days of purchase if the item is defective, damaged, or incorrect, subject to presenting your official receipt. Perishable or consumable goods (such as feeds) may not be eligible for return once opened, except where defective. To request a return or exchange, visit the cooperative office with the item and your receipt.
Refunds for eligible returns will be issued as [cash / store credit / replacement item — confirm with management] within [Insert number] business days of approval.
The one-time membership application fee is non-refundable once your membership application has been submitted for processing, whether or not the application is ultimately approved, except where required otherwise by CDA regulation or at the Cooperative's discretion.
Savings and share capital are not purchases and are not subject to this refund policy — they are your own funds held and governed by AFF-MPC's savings and share-capital rules, and are withdrawn or released according to those rules (see your passbook/account terms and our Terms of Service), not through a "refund" request.
Loan fees, penalties, and interest are governed by your specific loan agreement and promissory note. Any advance-payment rebate you may be entitled to is credited according to the terms disclosed to you at the time of your loan, not through this refund process.
Visit the cooperative office at Brgy. Darapidap, Candon City, Ilocos Sur (open Monday–Friday, 7:30 AM–5:00 PM), or contact us using the details below, with your receipt or transaction reference on hand. This website itself is available 24/7, but returns and refunds are processed in person at the office during business hours.
Abadaya Fisherfolks and Farmers Multipurpose Cooperative (AFF-MPC)
Brgy. Darapidap, Candon City, Ilocos Sur, Philippines
Email: info@abadayacoop.com
Phone: [Confirm official contact number]
Office Hours: Monday–Friday, 7:30 AM–5:00 PM