Terms Of Use

1.Concerning these Use Terms

Please take the time to carefully read these terms of use. You attest to having read, comprehended, agreed to, and accepted these Terms of Use and that You will be bound by them by registering for or using any portion of the KreditSente service ("Service"). An end-user licensing agreement and an electronic financial service are combined in these Terms of Use. If you do not agree to be bound by these Terms of Use, you are not permitted to access or use any part of the Service. Between KreditSente technologies limited ("We", "Us", or "Our") and you, the individual user ("You" or "Your"), these Terms of Use constitute a binding legal agreement.

The effective date of these Terms of Use and any updates or modifications is determined by the date of publication.

2.Definitions and Explanations

2.1 Unless otherwise noted, email is not included when the term "writing" is used in these Terms of Use. Furthermore, the phrases "including," "include," "in particular," "for example," and other similar expressions that introduce a phrase are illustrative and do not limit the meaning of the words that come before them. These Terms of Use are written in the English language. If these Terms of Use are translated into another language, the original English content will take precedence. In the event of a discrepancy, the following takes precedence: (i) the Local Terms, if any; (ii) the Specific Terms, if any; and (iii) the remaining sections of these Terms of Use.

3.Your Guarantees and Responsibilities

By signing this, you accept and recognize the following:
3.1You have complete permission to enter into these Terms of Use, to be bound by them legally, and to carry out your duties under them.
3.2You agree to abide by these Terms of Use and all applicable laws at all times. You also agree to notify Us if you violate any of the aforementioned rules.
3.3You must only use the System and the Service in accordance with the intended uses and for legitimate purposes.
3.4You are in charge of making sure that all records, credentials, and personal information that you give to Us or via the System are true, up to date, comprehensive, and free of fraud.
3.5You may only utilize accounts and internet access points that you have been given permission to use.
3.6You are not allowed to act in a dishonest, false, or misleading manner.
3.7It is forbidden for you to interfere with or jeopardize the network that the System is connected to and runs on.

4.Agreement to these Terms of Service

4.1You agree to read and understand these Terms of Use, as updated from time to time by Us, in its entirety before downloading, streaming, or creating an account with Us. The App and the Account's use and functionality will be governed by these terms.
4.2After downloading the App, you will be considered to have accepted these Terms of Use and agreed to abide by them after selecting the "Accept" button on Our System.
4.3By installing the App and creating an Account, you understand and consent to be bound by the Terms of Use that govern how the Account operates. Additionally, you declare that this agreement does not affect any other legal or equitable rights We may have about the Account.
4.4We reserve the right to change or modify these terms at any time, and your continued use of the service signifies that you accept these changes and their conditions. We will notify you of any changes in a way that is both reasonable and appropriate.
4.5The App may occasionally receive improvements from the Website. Depending on the update, you might not be able to use the Service until you have downloaded or streamed the most recent version of the App and accepted any additional terms and conditions of these Terms of Use.
4.6By using the App or any of the Services, You agree to the gathering and use of technical data regarding the Mobile Device and associated software, hardware, and accessories for internet-based or wireless services in order to improve our offerings and provide You Services. You give us, our affiliates, and licensees permission to transmit, collect, retain, maintain, process, and use Your data in order to improve our service, Your experience using the app, and/or our credit scoring services.
4.7By using the App and Service, You give Us permission to examine your credit report for credit scoring and appraisal purposes and to communicate your credit information, both positive and negative, with the Credit Reference Bureau.
4.8In addition, You irrevocably give Us permission to get in touch with You and Your emergency contact, if they have given their consent, in order to confirm Your details, in the event that We are unable to get in touch with You through other channels, or in the event that We have not received your payment in relation to the Loan described in this Clause 11 clause.

5.How You Make Use of the Service

5.1Only those who are eighteen years of age or older may use the Service that We provide. We reserve the right to contact the relevant mobile money provider to verify the legitimacy and current condition of Your Mobile Money Account.
5.2The App will show that your account application has been accepted. With the exception of the terms and conditions that may occasionally apply to Your Mobile Money Account, You therefore acknowledge and agree that the approval of Your application for an Account by Us does not create a contractual relationship between You and the Mobile Money Providers.
5.3Without giving a reason or prior notice, We have the right to reject Your loan application or to withdraw it at any time, at Our sole and absolute discretion.
5.4Depending on our continued assessment of Your credit profile, we reserve the right to grant, refuse, or alter the terms of any Loan.

6.How You're Using the System

All rights reserved and granted.

6.1Subject to Your compliance with these Terms of Use and in the Territory, We and Our licensors (if any) offer You a revocable, limited, non-exclusive, non-transferable, royalty-free license to access and use the System exclusively for Your personal use in order to obtain the Service that We provide.
6.2All rights not specifically granted to You under these Terms of Use are reserved by Us and Our licensors, if any. You do not acquire any ownership rights to the System—either fully or partially—by virtue of these Terms of Use.

Behavior that is forbidden:
6.3You are not allowed to:
6.3.1to distribute, assign, sublicense, sell, resell, transfer, assign, or in any other way utilize the System for commercial purposes or make it accessible to any other person;
6.3.2access or reverse engineer the core software for any purpose, or alter or produce derivative works based on the System;
6.3.3Make an attempt to access the System or related systems or networks without authorization; replicate any concepts, features, functions, or graphics from the System; utilize the System to develop a rival product or service; create a product utilizing concepts, features, functions, or graphics from the System; or initiate an automated program or script that might make several server requests in a single second, or that unnecessarily burdens or impairs the System's operation and/or performance.
6.3.4Use any program or procedure to obtain, index, "data mine," or accomplish any other kind of replication or workaround for the System's navigational structure, presentation, or content.
6.3.5Remove any copyright, trademark, or other proprietary rights notices from the System, or post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent.
6.3.6Send or save any content for illegitimate or fraudulent uses;
6.3.7send unsolicited emails or spam, or in any other way create a nuisance, annoyance, inconvenience, or fraudulent reservations;
6.3.8disseminate or hold onto content that violates intellectual property rights or is otherwise illegal or tortious;
6.3.9Disseminate content that includes harmful computer code, files, scripts, agents, or programs, such as software viruses, worms, or trojan horses.
6.3.10tamper or interfere with the System's or its data's performance integrity;
6.3.11Impersonate someone or any entity, or falsely claim to be affiliated with them;
6.3.12purposefully misrepresent where you are; or
6.3.13falsifies any important information about you or that could be pertinent to our choice to do business with you in the future;
6.3.14in any way damage Our or any of Our Group Companies' reputations;
6.3.15make an attempt to decode any transmissions to or from the servers hosting any service, as well as collect or gather any data or information from our systems or any service.

7.You Account

7.1You must create and keep an Account as an App user in order to access the System as a user.
7.2Anything that happens on Your Account is your responsibility. You:
7.2.1Only one account is necessary.
7.2.2You must protect the privacy and security of the information associated with your account.
7.2.3It is against the law for you to give anybody else access to Your Account, or to transfer any data or the Account itself to another person.
7.2.4If you believe there has been any illegal use or access to Your Account, You must contact Us right away.
7.3In addition to Our other rights and remedies, We reserve the right to limit or prevent access to Your Account and/or the functionality offered by the App:
7.3.1If We find that You have violated any of these Terms of Use, at our sole discretion;
7.3.2while a probe is underway;
7.3.3If you owe any principle, interest, transaction fees, or taxes to Us or any of Our Group Companies;
7.3.4If for any reason these Terms of Use are terminated; or
7.3.5at any other moment, if it suits Our reasonable judgment.

8.Your Individual Data

By using this form, you agree that We may use and process Your Personal Information in line with the Privacy Policy that is accessible here, as updated from time to time.

9.Requests You Have Made

9.1By using the System, You irrevocably grant Us permission to act upon any Requests that We receive from You or that You may claim to be from You, and You agree to accept liability for such actions.
9.2Despite the fact that You have already received a loan from Us, We retain the right, at Our sole discretion, to refuse any Request in connection with a loan application from You.
9.3Regardless of the cause of any Request's incompleteness or ambiguity, We shall have the right to accept and act upon it if, at our sole discretion, we determine that the Request's incomplete or ambiguous information may be resolved without involving You.
9.4In the event that the Request was started, sent, or otherwise conveyed in error or fraudulently, we shall still be deemed to have behaved properly and met all of our duties to You. If We have acted in good faith in response to a request, you will be held responsible for it, assuming that You supplied the instructions.
9.5Until You provide us with additional information or confirmation (written or otherwise), we reserve the right, at our sole discretion, to refuse to act on or in compliance with all or any portion of Your Request.
9.6You grant Us permission to act in accordance with all or part of Your Requests, and You agree to release and indemnify Us from all claims, losses, damages, costs, and expenses that may result from Our acting in accordance with Your Requests or from Our failing to exercise the discretion that has been granted to Us.
9.7You agree that, to the maximum extent permitted by applicable law, We will not be responsible for any unauthorised drawing, transfer, remittance, disclosure, activity, or incident on Your account resulting from Your knowledge and/or use or manipulation of Your Account PIN, password, or ID, whether or not it was caused by Your negligence.
9.8In compliance with the Applicable Law, we are permitted to carry out any directives pertaining to Your Account that may be required by a court order, competent authority, or agency.
9.9These Terms of Use will take precedence over any requests that We receive from You in the event that there is a dispute.

10.Your Accountabilities

10.1Since Your Mobile Device is necessary to access the System and the Service, You are in charge of providing and keeping it in a safe and effective operational state at Your Own Cost. 、
10.2You are responsible for ensuring that Your Mobile Device operates as best it can. We disclaim any liability for any mistakes or malfunctions that may arise from Your Mobile Device's malfunction, as well as any liability for computer viruses or other problems that may arise from using the System, the Service, or the Mobile Device. You will be liable for any associated costs and we won't be held responsible for any losses or delays brought on by any service provider that gives you access to the network.
10.3You can use your mobile device to access the app. It is your obligation to confirm that you have downloaded the correct app for your mobile device. If your device is incompatible or you do not have the most recent version of the app for it, we take no responsibility.
10.4You must notify Us as soon as possible and follow the instructions we have provided if Your Mobile Device is lost, stolen, damaged, or no longer in Your possession and this leads to the disclosure of Your Account information and Your Credentials to another person or otherwise affects Our legal rights and/or remedies. If any third party receives knowledge of Your Credentials and Account details, we won't be held accountable. By using Your Account information and Your Credentials, You agree to indemnify Us and hold Us harmless from any losses that might occur.
10.5You bear full responsibility for creating a suitable internet and mobile plan and for paying any fees levied by Your Mobile Service Provider, such as SMS, internet data, and phone costs. You understand that using the System may result in significant data usage, and that you will be entirely liable for all associated costs and usage.
10.6When using the System and the Service, you must abide by all guidelines, policies, and instructions included in these Terms of Use and any other document that We provide.
10.7You are obliged to take all reasonable steps to detect any unauthorized use of the System and the Service. In light of this, You must make sure that, as soon as You receive any communications from Us, You or someone acting on Your behalf looks over and verifies them. This will guarantee that any illegal access to or use of the system will be found. Should the following happen, you need to let us know right away:
10.7.1You have cause to believe that Your Credentials have been hacked, are or may be known to anyone who is not authorized to have them, or both; and/or
10.7.2You have cause to believe that unauthorised use of the Service has happened, may have happened, or could happen, and that a transaction may have been fraudulently entered or compromised.
10.7.3You must follow any security protocols that We may occasionally notify you of, as well as any other protocols that could occasionally be relevant to the Service. You understand that failure to follow the suggested security steps could result in a breach of Your Account's confidentiality. To be more precise, You are in charge of making sure that no one else than those who have been granted permission by You may use the Service, make Requests, or carry out any related tasks.

11.Terminology used in Finance

Interest and transaction fees
11.1We will indicate on the App the interest that You are obliged to pay Us in relation to any Loan. While waiting, We reserve the right to set up and collect Transaction Fees related to Your use of the Service and to change or adjust those fees on a regular basis. If We decide to start charging Transaction Fees or, if currently applicable, change or revise Our Transaction Fees, the Transaction Fees payable on any new application for Service will be shown on the App.
11.2Except as otherwise required by law, you agree to pay all amounts due under these Terms of Use in full, without any setoffs or counterclaims, and free and clear of any deductions or withholdings. To guarantee that We receive the entire amount that would have been paid had there been no deduction or withholding required, you must pay Us the relevant additional amounts as soon as you are required to make a deduction or withhold from any payment to Us.
11.3Should You fail to make any payments that are owed to Us by the due date, We reserve the right to charge penalty interest at a rate that will be announced beforehand on the App on the amount that was lent to You.

Taxes
11.4No taxes that You are responsible for paying are taken into account when calculating any payments that You are obligated to make in connection with these Terms of Use and Loan. You agree to pay Us an additional amount equal to the payment multiplied by the applicable tax rate if taxes are owed in relation to the payment. Regardless of when the connection ends, You must abide by this condition in addition to making the payment or whenever We make such a demand.
11.5By accepting this agreement, you grant us permission to withhold money from Your Account in the event that We are required to do so by law, in accordance with agreements with tax authorities, or in order to comply with internal policies or any applicable order or sanction of a tax authority.

Payments
11.6Before/on the periodically designated due date, You shall pay Us the principle, interest, Transaction Fees, and tax that You owe Us in connection with these Terms of Use and Loan using the payment options that are offered and displayed on the App.
11.7All payments within the Territory have to be paid in local currency.

12.By default

12.1When you: This default event takes place.
12.1.1for a period of fifteen (15) cumulative days, neglect to pay any amount or installment (including all accrued interest, Transaction Fees, and tax) due for a loan granted under these terms of use, unless the failure to pay is exclusively the consequence of an administrative error or technical issue; or file for bankruptcy.
12.2Following the occurrence of an ongoing event of default, we may, without limiting any other right or remedy that may be provided to us under applicable law, at any time:
12.2.1In line with this document's Clause 13, these Terms of Use will end.
12.2.2State that the Loan is immediately due and payable, and that it will become immediately due and payable, including with all accumulated interest, Transaction Fees, tax, and any other sums outstanding under these Terms of Use.

We will impose late fees on You at the rate shown on the App as a result of Your inability to make a payment.

13. Conclusion and Duration

13.1Until they are terminated in line with their terms, these Terms of Use will be in force.
13.2We maintain the right to end these Terms of Use and to stop using the System, the Service, and Your Account entirely or partially:
13.2.1by giving you notice for any reason at any time;
13.2.2Should You breach any of these Terms of Use, You will be immediately terminated, with or without warning, without affecting Our other rights and remedies.
13.2.3Should your mobile money provider or mobile network operator cancel your account or agreement for any reason;
13.2.4When such a suspension or termination is required due to technical difficulties or safety concerns; when Your Account is inactive or dormant; or when it is necessary to enable the regular updating or upgrading of the Service's contents or functionality.
13.2.5If a government, court, regulator, or other competent authority requires us to follow a directive or requests that we do so, or
13.2.6Should We choose, at our sole discretion, to suspend or terminate the Service for any reason—commercial or otherwise—
13.3Should these Terms of Use be terminated or expire for any reason, You will be required to:
Upon termination, you shall pay Us any principal, interest, Transaction Fees, and any applicable taxes as soon as possible (but in any case, within three days). These amounts will become immediately due and payable. Immediately and totally remove the application from your mobile device.
13.4Nevertheless, any accumulated rights and obligations of either party will remain unaffected by the termination.
13.5After the Terms of Use terminate, the parties will no longer be subject to any obligations or rights under them, with the exception of the provisions of Clauses 2, 3, 8, 11, 13, 14, 17, and 18 and any other clause that is specifically or by its nature intended to survive. These clauses will remain in effect following the termination of the Terms of Use, without affecting any obligations or rights that have accrued to either party at the time of termination.

14.Liability and indemnity exclusion

Accounts Payable
14.1You agree to defend, indemnify, and hold harmless Us, Our licensors, and the Affiliates of each of these parties, as well as their respective officers, directors, members, employees, and agents, from and against any and all claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) resulting from or related to:
14.1.1Your breach of any of these terms of use or any applicable legal requirements; and
14.1.2How you make use of the Service and/or the System, including:
14.1.2.1any third-party claims arising from Your use of the System and/or Service;
14.1.2.2any loss or damage resulting from Your use, abuse, misuse, or possession of any software that is third-party; this includes, but is not limited to, browser software, operating systems, and other software packages or programs;
14.1.2.3any breach of security, illegal access to Your Account, erasure or access to Your Data, or damage, theft, or destruction of Any of Your Mobile Devices; and
14.1.2.4Any loss or damage that We may sustain in the event that these Terms of Use are broken, including but not restricted to the malfunctioning or unavailability of third-party systems or facilities, the incapacity of a third party to complete a transaction, and the submission of false information.

Liability Exclusion
14.2If any of Your Mobile Devices malfunction, or if the Service is interrupted or unavailable for any other reason beyond Our control—such as Force Majeure or error, interruption, delay, or non-availability of the System, equipment failure related to terrorist or enemy action, power outage, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system—We shall not be liable for any losses You may suffer.
14.3You understand that the App has not been created to fulfill Your particular needs, and that it is your duty to make sure the features and functionalities of the App as they are described fulfill Your needs.
14.4The application can only be utilized for personal purposes. You understand that We are not responsible for any loss of profit, interruption of business, or lost business opportunities, and that the App is not to be used for any commercial, business, or resale reasons.
14.5You agree that We will not be liable to You for any losses or damages resulting from or related to:
14.5.1Any flaw or issue with the application or any service that arises from your customization or alteration of the application;
14.5.2any flaw or issue with the application that arises from your breach of these terms of use;
14.5.3Your infringement upon this Clause 6;
14.5.4Your mobile money account is not sufficiently funded;
14.5.5Failure, malfunction, interruption, or unavailability of the System, Your Mobile Device, the network, or a Mobile Money System; The funds in Your Account being the subject of a lawsuit or other encumbrance preventing payments or transfers thereof; Your inability to give sufficient or thorough instructions for payments or transfers pertaining to Your Account;
14.5.6any unauthorized or fraudulent use of the system, your mobile device, or the service; or
14.5.7Your failure to abide by these terms of use and any guidelines or instructions we may have given you for using the system and the service.
14.6Even if We are informed of the risk of such loss or damage, We shall not be liable to You for any indirect or consequential loss or damage of any kind resulting from or connected with the Service, regardless of the cause.
14.7To the extent permitted by applicable law and unless otherwise specified in these terms of use, our maximum aggregate liability in connection with the App, the System, the Service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the Transaction Fees paid by You to Us in connection with the first event giving rise to a claim under these terms of use.
14.8You must notify Us of any claims you may have against Us under or in connection with the App, the System, the Service, or these Terms of Use within six (6) months of the events giving rise to such claims, unless otherwise stated in these Terms of Use. To the extent allowed by applicable law, you shall forfeit all rights and remedies you may have with regard to such claim if you fail to comply.
14.9We disclaim any responsibility for:
14.9.1Problems with communications infrastructure that are not really considered to be within our control and that could affect the timeliness or accuracy of messages you send or the content you access via the app;
14.9.2any losses or delays in the delivery of messages or content that you access and that are brought on by using a mobile network service provider or Internet access service provider, or by using a browser or other third-party software that is not within our control;
14.9.3viruses that could get onto your mobile device or other property through the use of the app or service, or through accessing any content on the app or service;
14.9.4the unsanctioned utilization or interception of any communication or data before it reaches the application or our servers from the application;
14.9.5To the maximum extent allowed by applicable law, any unauthorized use or access to data that we hold about you or your transactions, unless such use or access is the consequence of our carelessness, wrongdoing, or violation of the laws protecting your data.
14.9.6Any material that comes from other sources.

15.websites that are not connected to the company

15.1The Service or the App may contain links and references to other mobile applications or websites that are run and maintained by third parties ("Third Party Sites or Apps"). These links are provided as a reference to content on topics that might be of interest to you. We do not, by placing any link to any Third-Party Sites or Apps, suggest or endorse any goods, services, data, commodities, concepts, or viewpoints that may be found there.
15.2We make no representations or guarantees of any kind, either explicit or implied, regarding the correctness, completeness, dependability, or suitability of the material of any Third-Party Sites or Apps. We provide no guarantees regarding the absence of copyright, trademark, or other infringement allegations on any Third-Party Site or App. Furthermore, we make no guarantees regarding the absence of viruses or other infections on any Third-Party Sites or Apps.
15.3You understand that Third-Party Sites and Apps can offer less security and have privacy policies different from ours. You have complete control over whether to use or access any Third-Party Site or App, as well as whether to buy or use any goods or services that are offered or advertised there.

16.I agree to receive commercial messages directly from companies.

By using the Services, you agree to receive direct marketing emails from us. You can indicate your option in the box provided on the relevant message if you would rather not receive marketing communications from us.

17.Settlement of Conflicts

17.1Unless the law in Your Territory requires otherwise, the laws of Uganda will apply to these Terms of Use (and any and all disputes that arise out of or in connection with these Terms of Use, including any alleged breach, or challenge to the validity or enforceability of these Terms of Use or any provision hereof). In that scenario, Your Territory's laws will apply to these Terms of Use.
17.2Except as expressly provided herein, any disagreement, question, or dispute arising out of or related to these Terms of Use shall, unless otherwise agreed upon by the parties hereto, be referred for final resolution to a single arbitrator. Alternatively, the Chairman of the Uganda Branch of the Chartered Institute of Arbitrators ("Institute") may do so upon request from any party within seven (7) days of the other party notifying the Chairman of the dispute.
17.3The Ugandan Arbitration and Conciliation Act's rules will be followed when conducting the arbitration in Uganda.
17.4To the maximum degree allowed by law, the arbitrator's ruling will be binding on the parties.
17.5Prior to the arbitrator's final decision or award, neither Party is prevented from pursuing any sort of legal action to obtain preliminary injunctive relief or interim measures from a court of competent jurisdiction.

18.Overall

18.1Any delay or performance failure resulting from events outside of our reasonable control will not be held against us.
18.2You shall not at any time divulge to any person any sensitive information about the operations, affairs, customers, clients, or suppliers of Us or any of Our Affiliates.
18.3Without giving us previous notice, you agree and recognize that we may, in our sole discretion, assign or transfer all or part of the creditor's rights of the Loan (the "Transfer"). The aforementioned Transfer will not affect Your obligations under these Terms. The directions that are shown on the application must be followed when making the payment.
18.4At our sole discretion, we reserve the right to amend these Terms of Use. You do, however, agree that it is your duty to review the Terms of Use from time to time. You will be considered to have accepted such changes if you keep using the System and the Service.
18.5Any rights or remedies granted by law are cumulative and not exclusive of the rights and remedies granted to each party under these Terms of Use. They can only be renounced expressly and in writing. Any right that is not exercised or is not exercised promptly does not mean that it has been waived.
18.6With regard to the subject matter of these Terms of Use, the parties have agreed and understood all of the information together, and any prior agreements or understandings between the parties about such subject matter are superseded. Additionally, the parties hereby disclaim any implied words of fact. Except as specifically provided in these Terms of Use or as inferred by applicable law, the parties have not relied upon any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use. Each party absolutely and irrevocably waives all claims, rights, and remedies that it may have otherwise had in the event that this Clause was not present with regard to any of the aforementioned. These Terms of Use do not exclude liability for fraud or any other liability that cannot be restricted or excluded under applicable law.
18.7Without Our prior written agreement, You may not assign, sublicense, transfer, subcontract, or otherwise dispose of any of Your rights or obligations under these Terms of Use. With the exception of situations where Applicable Law requires it, We may, at any time, assign, sublicense, transfer, sublet, or otherwise deal with Our rights or responsibilities under these Terms of Use without prior notice or consent.
18.8The remaining portions of these Terms of Use will remain in full force and effect if any court or appropriate authority rules that any part of them is unlawful, void, or unenforceable under applicable law. The relevant component of these Terms of Use will be replaced, to the maximum extent practicable, with a provision that is equivalent to the substituted part and is lawful, valid, and enforceable.
18.9A person who is not a party to these Terms of Use may not rely on or enforce any of its provisions.
18.10We may provide you notice by emailing it to the address you have provided in Your Account or by posting a general notice on the App or the System. It is necessary that you notify us by email at zmhelp@kreditsente.com
18.11You can email zmhelp@kreditsente.com with complaints and recommendations about the Service and the System.

19.Procedure for loan collection and customer communications and disciplinary action

Regardless matter whether a customer is in debt, all employees must constantly exhibit and radiate PROFESSIONALISM and MORAL ETHICS when interacting with them.

Whether in an effort to collect loans or address complaints, Loan Collectors, Recovery Agents, and Customer Service Agents are not allowed to insult, abuse, degrade, defame, or threaten customers and their contacts in any way. If an employee participates in any of the aforementioned activities, they are doing so on their own initiative and will be responsible for the full consequences of their choices.

20.Clients' standards of conduct

Making Use of the Service
After submitting an application for the loan facility through our KreditSente platform, the client will receive a trackable receipt number and a brief service guide that details the terms and conditions of the subscriber's agreement, along with instructions on when and how to use our service. The terms and conditions have been developed in compliance with our organization's relevant license responsibilities as well as acknowledged international best practices.
The customer is given a receipt that acts as proof of consent, which they can use in conjunction with other documentation specified in this Customer Code of Practice. It is advised that clients save all required records and packaging in a safe place in case they need to handle any more complaints.

We are a licensed and approved financial technology (FinTech) company. Assisting Ugandans in meeting their short-term goals and immediate financial responsibilities is our main goal.
Security of Data and Confidentiality
We must give the security of our clients' information first priority. We use physical, procedural, and electronic measures to ensure the security of the information we collect from our clients.
We promise to use every reasonable effort to protect the privacy of any information we get or are given while performing our services. Unless it is publicly available or disclosure is required by law or our licensing, this information will not be disclosed, made accessible to third parties, or used for any purpose other than the purpose or furtherance of our service.
In order to guarantee that we are only communicating with authorized individuals when answering questions, issues, and requests, as well as to give them better service, we may gather and save our customers' personal information.

21.Provision of Customer Information

In order to ensure that all of our agents and clients receive accurate, thorough, and up-to-date information, we will comply with industry standards by using language that is clear, concise, and easy to understand.

We promise to do our best to answer any questions customers may have about our services as soon as possible. This will be a free resource that includes the following information:
(a)Details about the organization's current service agreements, including fees, terms, and conditions for all public services, are available on its website.
(b)Service tariff pages that are published in an accessible format must include descriptions of services that are subject to pricing or tariff control by the Commission. These pages have to be accessible on our website and at specific company locations.
(c)The website and all other platforms that customers use to obtain services will prominently display the terms of service.

22.Price Details

Before a service contract is signed, we will give the customer the following information:
(a)the appropriate rates and levies;
(b)the allegations' contents;
(c)the process used to determine each component or part of a relevant charge;
(d)how frequently the charge occurs or any other elements that influence the charge;
(e)if the fees or any of its components are subject to fluctuate over time,

the specifics of any changes, and how the customer will be notified of them, via the App.

23.Uninvited phone sales

23.1Unless it is disclosed, we shall not engage in unwanted telemarketing.
a.At the beginning of the communication, the specific goal of the exchange and the identification of us or the other party on whose behalf it is made are stated.
b.the full specifications of any good or service that is the topic of the correspondence; and
c.Unless the product or service has been supplied to and used by the individual by that time, the person receiving the communication shall have the absolute right to cancel the agreement service within seven (7) days of the communication by contacting the customer care telephone number (which the Licensee shall explicitly disclose to the recipient during the communication).
23.2In addition, we will carry out telemarketing in accordance with any "call" or "do-not-call" preferences that the client has indicated at the time of signing a services contract or subsequently, in addition to any additional regulations or guidelines that may be periodically issued by any other appropriate authority.
23.3Without referring to this section's subsection (1), ensure that:
a.No unwanted voice calls or short message services are sent to a consumer without the customer's permission.
b.It must always be a consumer's choice to accept or decline unsolicited voice calls or short message services.
c.In order to give clients the option to either choose not to receive any unsolicited voice calls or short message services at all, or to choose which category of unsolicited calls or short message services they can get, we have streamlined all of these processes.

24.Talking on the phone

When making an unwanted sale, we'll make sure the salesperson gives the call recipient enough information about the Licensee's name and/or other distinctive identity.
I.the primary goal of the uninvited transaction;
II.a thorough explanation of the good or service;
III.any requirements or limitations that make the unsolicited sale eligible.

When attempting to place a voice call, customers will hear up to three chimes and two (2) tries each day.

25.Availability of Services

In promotional materials that promote the availability of a service, we will make known to consumers any geographical or technological limitations that affect its accessibility.
a.greatly affect the performance of the service; and
b.acknowledgement given by the Licensee.

26.Any advertising materials that promote a service offer will make any restrictions on the offer clear.

a.to a certain group of people;
b.to a particular zone, region, or place inside the country;
c.to a set period of time; or
d.Due to the limited availability of tools, resources, or other materials
Credit, Collection, Billing, and Charging Practices for Consumers

27.We promise constantly to

a.Billing accuracy can be independently verified.
b.The customer must have free access to sufficient information on the bill or elsewhere to validate the bill.
c.It keeps track of a client's bill and related expenses for a minimum of a year (12 months); and
Within the framework of this section's responsibilities, "billing" or "bill" refers to a Licensee's methods for processing and recording.

28.The Process for Making a Complaint

We promise that the processes they use to accept and handle complaints won't deter customers from filing them. The following process will be followed in order to handle complaints:
a.an electronic mail address
b.Customers can access the procedure by clicking on a link on our website.

29.Customer Responsibilities

Customers shall be subject to our terms of service upon the return of a signed service agreement or the express acceptance of the service terms in any format.

When customers begin using our services, it will be assumed that they have accepted our terms of service, given that we have given them enough notice of them. agreement to our conditions.
In the event that a customer defaults on a loan or other financial product, they will pay no fees to us or our authorized representatives for the provision of complete information on their spouses, family, and emergency contacts.