These Terms and Conditions (“Agreement”) govern your use of the SOJREL SACCO Mobile and Web Application (the “Application” or “Platform”). By downloading, accessing, or using the Application, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use the Application.
1.1 SOJREL SACCO is a member-based Savings and Credit Cooperative (SACCO) providing financial services to its members, which may include savings, loans, and other services available via the mobile and web platforms.
1.2 The Application allows registered users to access services provided by SOJREL SACCO, including but not limited to: Shares account,Savings account balances, making deposits, applying for loans,, and more.
2.1 To use the Application, you must be a registered member of SOJREL SACCO. By using the Application, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.
2.2 Users must provide accurate and up-to-date information during registration. You are responsible for ensuring the accuracy of your account information.
3.1 Account Creation: To access the services on the Application, you must create an account by providing the required information, including your membership number, full name, email address, phone number, and other relevant details as requested by the SACCO.
3.2 Security: You are responsible for maintaining the confidentiality of your login credentials, including your username and password. You agree to immediately notify SOJREL SACCO of any unauthorized use of your account.
4.1 Access to Services: By using the Application, you can perform the following activities, subject to availability and eligibility:
4.2 Mobile/Internet Access: You are responsible for ensuring you have a compatible device and internet connection to access the Application. SOJREL SACCO is not liable for any connectivity or device issues that may prevent you from using the Platform.4.3 Prohibited Use: You agree not to:
5.1 Loan Applications: By using the Application, you can apply for loans from SOJREL SACCO. All loan applications are subject to approval based on the SACCO’s lending criteria. You agree to provide accurate and complete information in your loan applications.
5.2 Transactions: All financial transactions, including deposits, transfers, and loan repayments, made through the Application are processed in accordance with SOJREL SACCO’s internal policies. You agree to adhere to all transaction limits and fees as outlined in the Application.
5.3 Fees: Some services offered through the Application may attract fees (e.g., loan processing fees, late payment penalties, etc.). The applicable fees will be displayed in the Application and/or on your account statement. You agree to pay these fees promptly.
6.1 Personal Information: By using the Application, you consent to the collection, use, and processing of your personal data as outlined in SOJREL SACCO’s Privacy Policy. Your data will be used to provide the services and for other purposes as detailed in the policy.
6.2 Security: SOJREL SACCO employs reasonable measures to protect the security of your personal information. However, you understand that no system is completely secure, and the SACCO cannot guarantee the absolute security of your data.
6.3 Third-Party Services: The Application may include links to third-party websites or services that are not controlled by SOJREL SACCO. We are not responsible for the content, privacy policies, or practices of any third-party websites.
7.1 Termination by You: You may deactivate your account at any time by notifying SOJREL SACCO. Upon deactivation, your access to the Application will be revoked, but any pending transactions or obligations will remain valid.
7.2 Termination by SOJREL SACCO: SOJREL SACCO reserves the right to suspend or terminate your account at any time for reasons including but not limited to:
7.3 Effect of Termination: Upon termination of your account, you will no longer have access to the services provided by the Application. Any outstanding obligations (e.g., loan repayments) will remain due and payable.
8.1 General Limitation: To the maximum extent permitted by law, SOJREL SACCO will not be liable for any indirect, incidental, special, or consequential damages arising from your use or inability to use the Application.
8.2 Service Interruptions: SOJREL SACCO does not guarantee uninterrupted or error-free access to the Application. In the event of system downtime or maintenance, the SACCO will make reasonable efforts to restore services as quickly as possible but will not be held responsible for any losses incurred during this time.
9.1 Changes to Terms: SOJREL SACCO reserves the right to modify, update, or amend these Terms and Conditions at any time. You will be notified of any material changes via email or in-app notifications. Your continued use of the Application after such modifications will constitute your acceptance of the updated terms.
10.1 Informal Resolution: Any disputes arising out of or in connection with the use of the Application should first be addressed through informal negotiations with SOJREL SACCO.
10.2 Arbitration: If a dispute cannot be resolved informally, it will be referred to binding arbitration in accordance with the laws of Kenya.
11.1 This Agreement will be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law principles.
If you have any questions or concerns about these Terms and Conditions or the Application, please contact us at:
SOJREL SACCO
By using the SOJREL SACCO Mobile and Web Application, you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions.
Sojrel SACCO (“we,” “our,” or “us”) values the
privacy of our users (“you” or “your”). This Privacy Policy explains
how we collect, use, disclose, and protect your personal information
when you use our mobile application (the “App”), available on
[Google Play Store / Apple App Store] or through other platforms.
By
accessing or using the App, you agree to the collection and use of
information in accordance with this Privacy Policy. If you do not
agree with the terms, please do not use the App.
We collect the following types of information to provide and improve our services:
We use the information we collect for the following purposes:
We use the information we collect for the following purposes:
We retain your personal and financial information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. When your information is no longer required, we will securely delete or anonymize it.
We use industry-standard security measures to protect your data, including encryption, secure servers, and firewalls. However, no method of data transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
Depending on your location, you may have the following rights regarding your personal data:
To exercise these rights, please contact us at sojrelsacco@gmail.com .
Our App may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any personal information.
Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal data from children. If we become aware that we have collected personal information from a child, we will take steps to delete it immediately.
We may update this Privacy Policy from time to time. When we do, we will post the updated policy in the App and update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.
If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your data protection rights, please contact us at:
By using the App, you consent to the collection and use of your personal information as described in this Privacy Policy.
Break the camp and move
- Deutronomy 1:7