Terms and Conditions

  1. Acceptance of Terms

    By accessing or using Wamu Savings (the “App”), you agree to comply with these Terms and Conditions, our Privacy Policy, and all applicable laws. If you do not agree, do not use the App.
    1. Account Registration and Security

      To access certain features of the App, you must register an account and maintain accurate information.
      1. Log in using your Group ID, registered phone number, and personal PIN.
        1. Keep your Group ID, phone number, and PIN confidential and do not share them with others.
          1. Notify Wamu Savings immediately of any unauthorized use of your account.
            1. You are responsible for all activity that occurs under your account.
              1. We may suspend or terminate accounts for violations or suspicious activity.
              2. Use of the App

                You agree to use the App only for lawful purposes and in accordance with these Terms.
                1. Manage group savings, contributions, withdrawals, and cash rounds transparently.
                  1. Upload group or member photos only with consent.
                    1. Do not use the App for fraudulent, unlawful, or unauthorized purposes.
                      1. Do not attempt to disrupt or interfere with the App’s functionality.
                      2. Financial Responsibility

                        You are solely responsible for all financial transactions conducted through the App.
                        1. Ensure sufficient funds before making contributions or withdrawals.
                          1. Verify all transaction details before confirming payments.
                            1. Wamu Savings is not liable for any financial losses resulting from user error or misuse.
                              1. All group savings transactions must comply with agreed-upon terms among members.
                              2. Prohibited Conduct

                                You must not engage in activities that compromise the App, other users, or violate laws.
                                1. Attempt to hack, exploit, or reverse-engineer the App.
                                  1. Upload or share illegal, offensive, or unauthorized content.
                                    1. Use another person’s account without permission.
                                      1. Use automated scripts or bots to interact with the App.
                                      2. Intellectual Property

                                        All content, logos, trademarks, and software on Wamu Savings are owned by Wamu Savings or its licensors. You may not reproduce, distribute, or create derivative works without prior written consent.
                                        1. Limitation of Liability

                                          Wamu Savings shall not be liable for indirect, incidental, consequential, or punitive damages arising from the use or inability to use the App.
                                          1. Indemnification

                                            You agree to indemnify and hold harmless Wamu Savings, its affiliates, and employees from any claims, damages, liabilities, or expenses arising from your use of the App or violation of these Terms.
                                            1. Refunds and Disputes

                                              All contributions and transactions within the App are final. In case of errors or disputes, contact support@wamusavings.com for assistance. Wamu Savings may, at its discretion, provide refunds or adjustments.
                                              1. Termination

                                                We may suspend or terminate your access to the App for violations of these Terms or misuse of the services, without prior notice.
                                                1. Governing Law and Jurisdiction

                                                  These Terms are governed by the laws of Uganda. Any disputes arising from these Terms shall be resolved in the courts of Uganda.
                                                  1. Changes to Terms

                                                    Wamu Savings may update these Terms at any time. Updates will be posted in the App and on the official website. Continued use of the App constitutes acceptance of the revised Terms.
                                                    1. Relationship with Privacy Policy

                                                      Your use of the App is also governed by our Privacy Policy. Please review it to understand how we collect, store, and protect your data.
                                                      1. Contact Information

                                                        For questions or concerns about these Terms, contact support@wamusavings.com or call +256 708 180 042.