Digital Membership & Member Service Policies

Digital membership

Approved digital onboarding is a mode of administration, not a lesser class of membership. Active members receive a permanent member number and may receive a secure digital membership credential and Member Portal account.

Member responsibilities

Members must keep contact information current, provide truthful application information, protect credentials, comply with lawful policies and use Cooperative services only for legitimate purposes.

KYC and verification

Identity verification may be required before activation or access to selected services. A failed or incomplete verification can pause an application without automatically creating an entitlement to membership.

Contributions and withdrawals

Only verified provider events and reconciled ledger records create financial status on the platform. Withdrawal requests remain subject to available balance, controls, review, provider processing and applicable programme rules.

Orientation and programmes

Orientation, community participation and programme eligibility may be tracked digitally. Individual programmes can have additional eligibility, documentation, contribution and risk requirements.

Complaints

Members should first contact the Cooperative through admin@obitcooperative.com. Financial-provider complaints may also need to follow the relevant provider's regulated complaint process.

Updates

Operational policies may be updated where lawful. Changes to registered bye-laws or protected constitutional provisions require the governance and registration process prescribed by applicable law.