Terms & Conditions

Scope and acceptance of these terms

These Terms & Conditions apply to your access to and use of the public EPZA SACCO website, including its pages, informational materials, navigation, available forms and other features made accessible through it.

Additional terms may apply when you use a specific online service, submit an application, access a member facility or enter into an agreement with the SACCO. Where additional terms apply, they should be read together with these website terms.

Nothing in these terms removes a right or protection that cannot lawfully be excluded or restricted under applicable law.

Purpose of the website

The website is intended to provide public information about EPZA SACCO, its activities, membership, products, services, announcements, contact channels and other relevant resources.

Information is provided to assist visitors in understanding the SACCO and the services that may be available. Website content is not, by itself, a confirmation that a particular person qualifies for a service or that a request will be approved.

We may introduce, modify or remove website features as the website develops, subject to applicable legal obligations and any terms that govern the relevant service.

Eligibility and authority

You must use the website lawfully and be legally capable of undertaking any activity for which you submit information or enter into an agreement.

Where you act for a company, institution, another individual or another legal entity, you are responsible for ensuring that you have the authority required for that action.

Access to membership, credit, financial products or other regulated or restricted services may be subject to separate eligibility conditions, identity checks, supporting documents, approvals and applicable legal requirements.

Acceptable use of the website

You agree to use the website responsibly and not to engage in conduct that is unlawful, fraudulent, harmful or likely to interfere with the operation of the website or the rights of others.

In particular, you must not:

• Use the website to commit fraud or facilitate unlawful activity.
• Submit information that you know to be materially false or misleading.
• Attempt to gain unauthorised access to accounts, servers, systems or restricted areas.
• Interfere with website availability, security or normal operation.
• Introduce malicious code, malware or harmful automated activity.
• Attempt to bypass authentication, access controls or security mechanisms.
• Scrape, copy or collect personal information through unlawful or unauthorised means.
• Use website content in a way that infringes intellectual property or other legal rights.
• Impersonate another person or misrepresent your authority.
• Use forms or communication channels to distribute spam, abusive content or unlawful material.

We may investigate suspected misuse and take proportionate measures where justified, including restricting access or reporting suspected unlawful activity to the appropriate authorities.

Security, passwords and access credentials

If a website feature or connected service provides you with an account, login or authentication credentials, you are responsible for following the security instructions applicable to that service.

• Keep passwords, PINs and verification codes confidential.
• Do not share account credentials with unauthorised persons.
• Use official website addresses and verified communication channels.
• Log out of protected services when using a shared device.
• Report suspected unauthorised access through an official support channel.

EPZA SACCO should not ask you to disclose your confidential password, PIN or one-time verification code through an unsolicited message. Be cautious of impersonation, phishing and requests for confidential financial information.

The requirements governing a member portal, staff portal or other protected system may be set out in a separate access or security policy.

Accuracy and currency of information

We aim to present website information clearly and maintain it appropriately. However, website content may occasionally be incomplete, outdated, affected by technical errors or awaiting an update.

Descriptions, examples, illustrations, calculators, general explanations and frequently asked questions should be considered in context and should not automatically be treated as an official offer, approval, binding quotation or guarantee.

Where a financial product, fee, rate, eligibility requirement or procedure is material to your decision, obtain and review the current official documentation applicable to that product or service.

If you identify a suspected error or inconsistency, please contact the SACCO so that the matter can be reviewed.

Financial information and SACCO services

Website information about savings, loans, membership, financial planning or other services is provided for general informational purposes unless a specific document clearly establishes otherwise.

No automatic membership or loan approval

Visiting the website, completing an enquiry form or starting an online application does not, by itself, establish membership, guarantee eligibility or constitute approval of a loan or other financial facility.

Product-specific requirements

Financial products and services are governed by their applicable terms, policies, procedures, eligibility criteria, disclosures and approval processes. These may include repayment conditions, charges, security requirements, documentation and other obligations.

Calculators and illustrations

Any calculator, estimate or illustrative figure provided on the website is intended to assist with general understanding. Actual figures may differ depending on the applicable rates, calculation method, dates, charges, product rules and final assessment.

Do not rely solely on an illustration as a final offer, credit decision or confirmation of the total amount payable. Obtain the applicable official terms before making a financial commitment.

Independent decision-making

Information published on the website is not a substitute for considering your own financial circumstances and the actual contractual terms of the service concerned. Where necessary, seek appropriate independent advice.

Applications, enquiries and submissions

Where you submit an enquiry, application, document or other information through the website, you are responsible for ensuring that the information you provide is accurate to the best of your knowledge, complete where required and submitted with the necessary authority.

You should submit only documents and personal information relevant to the purpose of the form and follow the instructions provided.

Submission of a form does not necessarily mean that it has been approved, accepted as complete or processed successfully. Where a confirmation or reference number is provided, retain it for your records.

Applications may require verification, additional information, eligibility assessment or other processing before a decision can be made.

Do not submit confidential credentials, including passwords or PINs, through general enquiry forms.

Intellectual property and permitted use

Unless otherwise stated, website content such as text, graphics, logos, visual elements, page layouts, photographs, publications and other materials may be protected by intellectual property laws or other applicable rights.

You may access and use public website materials for personal, informational and other lawful purposes consistent with applicable permissions.

Unless permitted by law or authorised by the relevant rights holder, you must not reproduce, redistribute, modify, commercially exploit or represent protected materials as your own.

Third-party names, logos, photographs and materials remain subject to the rights and permissions applicable to their respective owners.

Any permission to use a document or publication does not automatically authorise alteration of its content or removal of notices identifying its source.

Privacy and cookies

Your use of the website is also subject to the EPZA SACCO Privacy Policy, which explains the general principles governing the collection and handling of personal information.

Depending on the website configuration, cookies or similar technologies may support essential functions, preferences, security or other permitted purposes. Available cookie controls and any applicable consent requirements should be followed.

You should avoid submitting information that is unnecessary for your request and should use appropriate care when transmitting documents or personal information online.

Read the Privacy Policy for further information.

External links and third-party services

The website may contain links to third-party websites, platforms, portals, payment services or other resources for convenience and information.

External websites may operate under separate terms, privacy policies, security controls and availability arrangements. You should review the applicable terms before using those services or submitting information to them.

A link does not, by itself, mean that EPZA SACCO controls, guarantees or endorses every aspect of the external service. Responsibility for that service remains subject to the applicable arrangements and law.

Website availability and technical changes

We aim to make the website useful and accessible, but uninterrupted availability cannot be guaranteed.

Access may occasionally be interrupted by maintenance, upgrades, network problems, hosting issues, security measures, third-party failures or circumstances beyond reasonable control.

Website features, links, documents and content may be corrected, updated, relocated or withdrawn as appropriate. We will observe any applicable legal obligations when doing so.

If a particular online feature is unavailable, use the official contact channels to enquire about available alternatives.

Disclaimers and limitations of liability

To the extent permitted by applicable law, the public website and its general informational content are provided on an informational basis and may be subject to limitations relating to accuracy, completeness, availability and suitability for a particular purpose.

We do not guarantee that every page, link, document, calculation or feature will always be available, error-free or suitable for every user's needs.

Nothing in this section excludes or restricts liability where such exclusion or restriction is prohibited by law. It does not override a specific contractual obligation or statutory protection that applies to a particular service.

Any limitation of responsibility must be interpreted consistently with applicable consumer, financial-services, data-protection and other relevant legal requirements.

Misuse and responsibility

You are responsible for your use of the website and for complying with these terms and applicable law.

Where your unlawful or unauthorised conduct causes loss, damage, disruption or a third-party claim, responsibility will be determined under the applicable law and the facts of the matter.

Nothing in these terms creates an automatic obligation to compensate another party in circumstances where the law does not impose that obligation. Any remedies or claims remain subject to applicable legal requirements.

Changes to these terms and access restrictions

These terms may be updated to reflect changes to website functionality, operational requirements or applicable legal obligations.

The current version will be published on this page when revised. Where required by law or a relevant agreement, additional notice or consent will be obtained as applicable.

We may restrict or suspend access to all or part of the website where reasonably necessary for maintenance, security, suspected misuse or other legitimate operational reasons, subject to applicable law.

Changes to website terms do not automatically amend a separate financial agreement or other contract where that agreement requires a different amendment process.

Governing law and disputes

These website terms are intended to be interpreted consistently with the applicable laws of Kenya, subject to any mandatory legal protections and requirements that apply to the user or the particular service.

If you have a concern about the website or its use, we encourage you to contact EPZA SACCO through an official communication channel and provide enough information for the issue to be reviewed.

Nothing in this section prevents a person from exercising a statutory right, submitting a complaint to a competent authority or seeking a remedy available under applicable law.

Contact EPZA SACCO

For questions about these website terms, website content, accessibility or a service enquiry, please use the official EPZA SACCO contact channels.

Where a specific service has its own agreement or complaints procedure, that procedure should also be consulted.