Platinum Credit Uganda | Terms and Conditions

Quick Cash

USSD TERMS AND CONDITIONS

1. THE AGREEMENT

1.1 This agreement sets out the complete terms and conditions (hereinafter called “Terms and Conditions”) which shall be applicable to the Platinum Credit (U) Limited (hereinafter referred to as PCUL) mobile lending platform.

1.2 These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.

2. DEFINITIONS

2.1 In these Terms and Conditions, the following words and expressions bear the following meanings:

2.1.1 “PCL”, “PCUL” means Platinum Credit Limited Uganda;

2.1.2 Credit Reference Bureau means a bureau duly licensed to collect and facilitate the sharing of borrower’s information;

2.1.3 Borrower means the person at whose request PCUL will advance a loan facility;

2.1.4 Call Centre means PCUL’s call center;

2.1.5 Equipment includes your mobile phone handset and/ or other equipment which when used together enables you to access the PCUL online lending platform;

2.1.6. LBF Quick cash is an overdraft loan product that allows you to borrow an additional loan amount equivalent to your instalment amount to the maximum of Ugx 3,000,000 with the intention of clearing your installment due.

2.1.7 Products means the various loan facilities offered by PCUL;

2.1.8 Request means instruction received by PCUL from you or purportedly from you through the system and upon which request PCUL is authorized to act;

2.1.9 Services shall include any form of financial services or products that PCUL may offer you pursuant to this Agreement and as you may from time to time subscribe to and “service” shall be construed accordingly;

2.1.10 Security agreement constitutes the legal, valid, binding and enforceable obligations of the borrower and will continue to be effective overall to every part of the secured asset;

2.1.11 Secured asset is the asset/security over which the loan facility is secured;

2.1.12 SMS means a short message service consisting of a text message transmitted from one mobile to another;

2.1.13 System means PCUL’s electronic lending platform and communications software for the purpose of these services;

2.1.14 Transaction fees includes the facility fee, roll over fee, loan administration fee and any other charges payable for the use of the services as published by PCUL on PCL’s website or by such other means as PCUL shall in its sole discretion determine. Transaction fees are subject to change at any time at PCUL’s sole discretion.

2.1.15 We, our and us means PCUL and includes the successors and assigns of the PCUL;

2.1.16 You and your means the borrower and includes the personal representatives of the Borrower;

2.1.17 USSD T&C’s means these USSD Terms and Conditions.

2.1.18 The word “borrower” shall include both the masculine and the feminine gender as well as the juristic persons;

2.1.19 Words implying the singular meaning where the context so admits include the plural meaning and vice versa.

2.1.20 Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.

3. ACCEPTANCE OF THE TERMS AND CONDITIONS

3.1 Before applying to PCUL’s products on our system, you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system and the products and services accessible thereof;

3.2 Thereafter, you will be required to register on our system.

3.3 By proceeding with registration, you are agreeing that you have accepted our Terms and Conditions on our official website.

3.3.1 Furthermore, you will be deemed to have read, understood and accepted these Terms and Conditions by following through all the prompts and completing a request transaction;

3.4 By accessing our system and completing a request, you agree to comply with and be bound by these Terms and Conditions and you affirm that these Terms and Conditions herein are without prejudice to any right that PCUL may have with respect to the services or products offered in Law or otherwise.

3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit.

3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau.

3.7 These Terms and Conditions may be amended or varied by PCUL from time to time and the completion of requests and continued use of this service constitutes your agreement to be bound by the terms of any such amendment or variation.

4. REGISTRATION

4.1 Our system requires that you register by dialing the code *249# and creating an account with us to be able to access our various products;

4.2 You agree to be responsible for maintaining the confidentiality of your passwords or other account identifiers which you choose and all other activities that occur on your equipment.

4.3 By signing up or otherwise using our system, you have read and understood our Terms and Conditions of registration on our official website and agree to be bound by these Terms and Conditions;

4.4 You hereby agree and authorize PCUL to obtain and procure your personal information contained in the NIRA from the Government of Uganda and you further agree and consent to the disclosure and provision of such personal information by the Government of Uganda to PCUL.

4.5 You hereby authorize PCUL to access any information available to assess your request, and also gives PCUL permission to register details of your conduct of your loan account with any Credit Reference Bureau, and you waive any claim you may have against PCUL in respect of such disclosure.

4.6 PCUL reserves the right to request for further information from you pertaining to your application for PCUL services or products. Failure to provide such information within the time required by PCUL may result in PCUL declining to your request for a loan facility.

4.7 If you do not accept all of these Terms and Conditions of Registration, then you should not proceed with the registration;

4.8 Upon successful registration, you are advised to read and familiarize yourself with the terms and conditions of each product as you shall be bound by the said terms and conditions.

5. FEES, CHARGES AND TAXES

5.1 You hereby agree to pay all fees, commissions, costs and other charges payable in connection with the use of our system and/or incurred by PCUL in obtaining or attempting to obtain settlement of any loan advanced herein including but not limited to the following:

5.1.1 Legal charges which may include advocate and client charges, costs and expenses incurred in any legal, arbitration or other proceedings arising out of or connected with your loan account;

5.1.2 Commissions at such rates as PCUL may determine from time to time;

5.1.3 Other charges and expenses including but not limited to ledger fees, postage, cables, telephone calls, taxes, duties and impositions.

5.2 All payments to be made by you in connection with these Terms and Conditions are calculated without regard to any taxes payable by you. If any taxes are payable in connection with the payment, you must pay PCUL an additional amount equal to the payment multiplied by the appropriate rate of tax.

6. BORROWERS EQUIPMENT & BORROWERS RESPONSIBILITIES

6.1 You shall at your own expense provide and maintain in safe and efficient operating order your equipment for the purpose of accessing our system.

6.2 You shall be responsible for ensuring the proper performance of your equipment. PCUL shall neither be responsible for any errors or failures caused by any malfunction of your equipment, and nor shall PCUL be responsible for any computer virus or related problems that may be associated with the use of our system.

6.3 You shall follow all instructions, procedures and terms contained in these Terms and Conditions and any information and/or document provided by PCUL concerning the use of our system.

6.4 You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your equipment. You shall ensure that your equipment does not come into the possession of an unauthorized person. PCUL shall not be liable for any loss occasioned by any Third Party who comes into contact with your equipment.

6.5 You shall immediately inform PCUL through the Call Centre 0200300500 in the event that you have reason to believe that your equipment has been used to complete a transaction fraudulently without your authorization, however PCUL shall not be liable for the said unauthorized infringement.

7. EXCLUSION OF LIABILITY

7.1 PCUL shall not be responsible for any loss suffered by you should the system be interfered with or be unavailable by reason of the failure of your equipment or any other circumstance not within PCUL’s control including, without limitation, force majeure or error, interruption, delay or non- availability of our system, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.

7.2 PCUL will not be liable for any losses or damages suffered by you as a result of or in connection with:

7.2.1 Failure, malfunction, interruption or unavailability of your equipment;

7.2.2 Any fraudulent or illegal use of the online lending platform or equipment;

7.2.3 Your failure to comply with these Terms and Conditions and any documentation or information provided by PCUL in regards to use of our system.

7.3 All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by the law.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 You acknowledge that the intellectual property rights on our system (and any amendments, upgrades or enhancements thereto from time to time) and all associated documentation that PCUL provides to you through the system or otherwise are vested in PCUL. You shall not infringe any such intellectual property rights. You shall not duplicate, reproduce or in any way tamper with the system and associated documentation without the prior written consent of PCUL.

9. YOUR REQUESTS

9.1 All requests received from your equipment, made by dialing *249# will be presumed to be executed by you.

9.2 You hereby irrevocably authorize PCUL to act on all requests received by PCUL from you through the system and to hold you liable in respect thereof.

9.3 PCUL reserves the right and is entitled to accept and to act upon any request, even if that request is otherwise for any reason incomplete or ambiguous if, in its absolute discretion, PCUL believes that it can correct the incomplete or ambiguous information in the request without any reference to you being necessary;

9.4 PCUL shall be deemed to have acted properly and to have fully performed all the obligations owed to you notwithstanding that the request may have been initiated, sent or otherwise communicated in error or fraudulently, and you shall be bound by any requests on which PCUL may act if PCUL has in good faith acted in the belief that such instructions have been sent by you.

9.5 PCUL may, in its absolute discretion, decline to act on your request in accordance with the whole or any part of your request pending further inquiry or further confirmation (whether written or otherwise) from you.

9.6 You agree to and shall release from and indemnify PCUL against all claims, losses, damages, costs and expenses howsoever arising in consequence of, or in any way related to PCUL having acted in accordance with the whole or any part of any of your requests (or failed to exercise) the discretion conferred upon it.

9.7 You acknowledge that PCUL shall not be liable for any transaction, any activity or any incident on your equipment whether or not occasioned by your negligence.

9.8 PCUL is authorized to effect such orders in respect of your loan account as may be required by any court order or competent authority or agency under the applicable laws.

9.9 In the event of any conflict between any terms of any request received by PCUL from you and these Terms and Conditions, these Terms and Conditions shall prevail.

10. LBF QUICKCASH

10.1 The loan

10.1.1 Loan facilities borrowed under this product will be hinged on a pre-existing LBF loan facility and secured on a pre-existing security/asset, until the pre-existing LBF loan facility and the LBF Quick cash loan facility are fully settled.

10.1.2 In case of default of the LBF Quick cash loan; normal collection processes as stipulated for the preexisting LBF loan facility shall apply.

10.1.3 The minimum loan under this product is Ugx 400,000 and the maximum loan amount is Ugx 3,000,000.

10.1.4 A 10% processing upfront fee shall be charged on the loan.

10.1.5 PCUL reserves the right to amend the initial notice with the Registrar of Security Rights to capture the Quick cash loan amount advanced via USSD.

10.1.6 Disbursement shall be done via Mobile Money and a network charge shall apply. The charge is subject to amendment by the Service provider and shall be capitalized.

10.2 The loan term

10.2.1 The maximum loan term for the LBF Quick cash loan is 1 month.

10.3 The security/ asset

Where a motor vehicle has been provided as security asset, you undertake to:

10.3.1.1 Allow PCUL to register a caveat on the logbook with Uganda Revenue Authority for the duration of the loan as a representation of their interest in the motor vehicle.

10.3.1.2 Keep and maintain the vehicle in good order and condition (fair wear and tear only excepted) and will be fully responsible for any loss thereof or damage thereto however occasioned.

10.3.1.3 Keep the vehicle insured at all times. PCUL shall be entitled to the full benefit of the Insurance Policy thereof including claims that might at any time be outstanding. Any monies received by virtue of such insurance shall be at the discretion of PCUL and shall be applied in replacing or restoring any loss or damage in respect of which the same shall be received or towards liquidation of the amount for the time being due by you to PCUL under this agreement.

10.3.1.4 To renew the Insurance Policy 7 days before expiry thereof. Failure to which PCUL shall make its own arrangements to have the asset comprehensively insured to safeguard our financial interest in the asset.

10.3.1.5 Not to use the motor vehicle nor permit it to be used for any purpose not permitted by the terms and conditions of the Insurance Policy nor permit it to be used for any act or thing by reason of which the Insurance Policy may be invalidated.

10.3.1.6 Not to take, or permit to be taken, the motor vehicle out of the Republic of Uganda.

10.3.1.6.1 Where you intend to take the said motor vehicle out of the Republic of Uganda, you will be required to notify PCUL in writing through our email info@platinumcredit.co.ug and you will further be required to obtain a COMESA Yellow Card Insurance Cover at your own cost.

10.3.1.7 Punctually pay all licenses, duties, fees, and registration charges as and when they fall due.

10.3.1.8 Endorse PCUL as the principal beneficiary of any dues arising from an insurance claim relating to the motor vehicle used as security.

10.3.1.9 The borrower consents to PCUL appointing the service provider to install a tracking device for the duration of the loan term.

10.3.1.10 You should ensure that the tracking device of the motor vehicle used as security is not tampered with/and or damaged and:

10.3.1.11 In the event that the vehicle will not be in use for any period of the loan and within not less than one month from obtaining the facility, notify PCUL of the specific dates, and arrange to have the said Motor Vehicle to be held at an approved yard.

10.3.1.12 Should the tracking device develop a technical fault within the course of this loan agreement, PCUL and or the tracking company service provider will contact you. It’s your responsibility to cooperate with PCUL and or the service provider to ensure that the vehicle is submitted to the service provider for issue of a solution, and restoration of the transmission signal to normal status. In the event that you fail to cooperate, PCUL will institute repossession procedures of the affected motor vehicle after 24 hours from notification, for storage at a designated yard, at your cost.

10.3.1.13 In the event that the borrower is found to have tempered and destroyed the tracking device, a new device will have to be purchased and installed at your cost.

10.3.2 Upon full payment of the loan and related charges PCUL shall decaveat the motor vehicle logbook that was provided by the borrower and shall return the documents of the security/asset provided by you.

10.3.3 This agreement is governed by all the terms and conditions of the Security Interest in Movable Property Act, 2019 Laws of the Republic of Uganda.

10.3.4 PCUL is also at liberty to discount on or trade in the debt arising from this loan without making any further reference to you.

11. PCUL’S DATA PROTECTION POLICY

11.1 It is hereby understood and agreed that the data herein has been directly obtained from the Borrower who has provided this data to PCUL to facilitate the processing of the loan facility sought by the Borrower.

11.2 It is hereby understood and agreed that by signing this contract, the Borrower;

11.2.1 Must provide personal data which is required for facilitating the processing of the loan facility, the establishing and maintenance of business and for the fulfillment of PCUL’s contractual and legal obligation;

11.2.2 Consents to PCUL processing the data as per its internal company policy;

11.2.3 has given consent to PCUL to continue holding and processing the data provided even after all obligations under the loan facility has been settled for a variety of purposes including but not limited to research, product development, analysis of market trends, operation of PCUL’s regulations and procedures;

11.2.4 is at liberty to exercise its rights as a data subject and as is provided by the Data Protection and Privacy Act of 2019, Laws of Uganda;

11.3 PCUL undertakes to ensure that the personal data provided by the Borrower is processed in accordance with the Data Protection Act, Laws of Uganda.

11.4 For queries and more information on our Data Protection Policy, the Borrower may contact our Data Protection personnel at info@platinumcredit.co.ug.

11.5 Kindly access our website on https://platinumcredit.co.ug to view our Data Privacy Statement.

12. DISPUTES, CLAIMS OR COMPLAINTS

12.1 You may contact the Call Centre through 0200300500 to report any disputes, claims or complaints;

12.2 Any dispute arising out of or in connection with this agreement that is not resolved by Call Centre should be reported in writing through our email on info@platinumcredit.co.ug.

12.3 This agreement shall be governed and construed in accordance with the laws of the Republic of Uganda.

DOWNLOAD

Quick Cash Kiswahili

SHERIA NA MASHARTI YA USSD

MASHARTI YA JUMLA YA USSD

MAKUBALIANO

1.1 Makubaliano haya yanaeleza sheria na masharti kamili (hapa yanajulikana kama “Sheria ana Masharti”) yatakayohusu huduma ya malipo kwa njia ya simu ya Platinum Credit (U) Limited (kuendelea mbele itajulikana kama PCUL).

1.2 Sheria na Masharti haya, pamoja na marekebisho au mabadiliko yoyote, yataanza kutumika kuanzia tarehe ya kuchapishwa kwake.

UFAFANUZI

2.1 Katika Sheria na Masharti haya, maneno na misemo ifuatayo ina maana zifuatazo:

2.1.1 “PCL,” “PCUL” maana yake ni Platinum Credit Limited Uganda;

2.1.2 “Ofisi ya Marejeleo ya Mikopo” maana yake ni ofisi iliyosajiliwa kisheria kukusanya na kurahisisha ushirikishwaji wa taarifa za wakopaji;

2.1.3 “Mkopaji” inamaanisha mtu ambaye kwa ombi lake PCUL itatoa mkopo.

2.1.4 “Kituo cha Simu” kinamaanisha kituo cha simu cha PCUL

2.1.5 “Vifaa” vinajumuisha simu yako ya mkononi na/au vifaa vingine ambavyo vinapounganishwa pamoja vinakuwezesha kufikia jukwaa la mkopo la mtandaoni la PCUL.

2.1.6 “LBF” inamaanisha Logbook Finance, maana yake ni mkopo ambayo dhamana yake ni hati ya umiliki wa gari.

2.1.6.1 “Pesa ya Dharura ya LBF” ni bidhaa ya mkopo wa ziada au dharura inayokuruhusu kukopa kiasi cha ziada cha mkopo sawa na kiasi cha malipo yako ya kila mwezi hadi kiwango cha juu cha UGX 3,000,000 kwa lengo la kulipa malipo yako yanayodaiwa.

2.1.6.2 “Mchakato wa kubadilisha deni wa LBF” ni uingizwaji wa dhima ya deni iliyopo na dhima nyingine ya deni chini ya masharti tofauti ambayo yatahusiana sana na kiasi cha mkopo na muda. Kwa mfano, ikiwa una mkopo sasa hivi na umelipa kiwango cha chini cha 1/4 ya muda wa mkopo, unaweza kuomba mkopo mwingine wenye dhamana sawa ambapo deni lililopo litalipwa na mkopo mpya kuundwa. Tofauti itaelezwa kwako.

2.1.7 “Bidhaa” maana yake ni mikopo mbalimbali inayotolewa na PCUL;

2.1.8 “Ombi” inamaanisha maagizo yaliyopokelewa na PCUL kutoka kwako au yanayodhaniwa kutoka kwako kupitia mfumo, na kwa ombi hilo, PCUL ina mamlaka ya kutekeleza hatua husika;

2.1.9 “Huduma” zitajumuisha aina yoyote ya huduma za kifedha au bidhaa ambazo PCUL inaweza kukupa kwa mujibu wa Mkataba huu na unavyoweza kujiandikisha mara kwa mara, na neno “huduma” litatafsiriwa ipasavyo;

2.1.10 “Makubaliano ya usalama” ni makubaliano ya dhamana ambayo yanajumuisha wajibu wa kisheria, halali, wa lazima, na unaoweza kutekelezwa kwa mkopaji na yataendelea kuwa halali kwa kila sehemu ya mali iliyowekwa kama dhamana;

2.1.11 “Mali iliyowekwa kama dhamana” ni mali au dhamana inayotumika kama usalama wa mkopo;

2.1.12 “SMS” maana yake ni huduma ya ujumbe mfupi unaojumuisha ujumbe wa maandishi unaotumwa kutoka simu moja hadi nyingine;

2.1.13 “Mfumo” maana yake ni jukwaa la kielektroniki la ukopeshaji la PCUL na programu ya mawasiliano kwa madhumuni ya huduma hizi;

2.1.14 “Ada za muamala” inajumuisha ada ya huduma ya mkopo, ada ya kuendeleza mkopo, ada ya usimamizi wa mkopo, na ada nyingine yoyote inayotozwa kwa matumizi ya huduma hizi kama ilivyochapishwa na PCUL kwenye tovuti yake au kwa njia nyingine yoyote itakayoamuliwa na PCUL kwa hiari yake pekee. Ada za muamala zinaweza kubadilika wakati wowote kwa uamuzi wa PCUL.

2.1.15 “Sisi, yetu na kwetu” inamaanisha PCUL na inajumuisha warithi na wakabidhiwa wa PCUL;

2.1.16 “Wewe na yako” inamaanisha mkopaji na inajumuisha wawakilishi wa kibinafsi wa mkopaji;

2.1.17 “Sheria na Masharti ya USSD” inamaanisha Sheria na Masharti haya ya USSD.

2.1.18 Neno “mkopaji” litajumuisha jinsia ya kiume na ya kike, pamoja na taasisi za kisheria.

2.1.19 Maneno yanayoashiria umoja yatajumuisha wingi pale muktadha unaporuhusu, na kinyume chake.

2.1.20 Vichwa katika Masharti na Vigezo hivi vimetolewa kwa madhumuni ya urahisishaji tu na havitaathiri tafsiri ya Mkataba huu.

KUKUBALI SHERIA NA MASHARTI

3.1 Kabla ya kutuma ombi kwa bidhaa za PCUL kwenye mfumo wetu, unapaswa kwanza kusoma kwa makini na kuelewa Sheria na Masharti haya ambayo yatasimamia matumizi na uendeshaji wa mfumo wetu na bidhaa na huduma zinazoweza kufikiwa;

3.2 Baada ya hapo, utahitajika kujiandikisha kwenye mfumo wetu.

3.3 Kwa kuendelea na usajili, unakubali kwamba umekubali Sheria na Masharti yetu kwenye tovuti yetu rasmi.

3.3.1 Zaidi ya hayo, utachukuliwa kuwa umesoma, umeelewa na umekubali Sheria na Masharti haya kwa kufuata maongozi yote na kukamilisha hatua za ombi la muamala;

3.4 Kwa kufikia mfumo wetu na kukamilisha ombi, unakubali kutii na kufungwa na Sheria na Masharti haya na unathibitisha kuwa Sheria na Masharti haya hapa chini hayana upendeleo kwa haki yoyote ambayo PCUL inaweza kuwa nayo kuhusiana na huduma au bidhaa zinazotolewa katika Sheria au vinginevyo.

3.5 Mkopaji anakubali kwamba anaelewa kikamilifu masharti ya Mkataba huu na ameingia kwa hiari kwa manufaa yake mwenyewe.

3.6 Kwa kukubali Sheria na Masharti haya, unaidhinisha PCUL kufikia historia yako ya mkopo kutoka kwa Ofisi ya Marejeleo ya Mikopo iliyosajiliwa.

3.7 Sheria na Masharti haya yanaweza kurekebishwa au kubadilishwa na PCUL mara kwa mara, na kukamilika kwa maombi pamoja na kuendelea kutumia huduma hii kunamaanisha kuwa unakubali kufungwa na masharti yoyote yaliyorekebishwa au mabadiliko hayo.

USAJILI

4.1 Mfumo wetu unakuhitaji ujisajili kwa kupiga *249# na kuunda akaunti nasi ili uweze kupata bidhaa zetu mbalimbali;

4.2 Unakubali kuwajibika kwa kudumisha usiri wa manenosiri yako au vitambulishi vingine vya akaunti unavyochagua na shughuli zingine zote zinazofanyika kwenye kifaa chako.

4.3 Kwa kujiandikisha au kutumia mfumo wetu vinginevyo, umesoma na kuelewa Sheria na Masharti yetu ya usajili kwenye tovuti yetu rasmi na kukubali kufungwa na Sheria na Masharti haya;

4.4 Unakubali na kuidhinisha PCUL kupata na kuchakata taarifa zako za kibinafsi zilizomo katika NIRA kutoka kwa Serikali ya Uganda na unakubali zaidi na kuridhia ufichuzi na utoaji wa taarifa hizo za kibinafsi na Serikali ya Uganda kwa PCUL.

4.5 Kwa hili unaidhinisha PCUL kufikia taarifa yoyote inayopatikana ili kutathmini ombi lako, na pia unaipa PCUL ruhusa ya kusajili maelezo ya mwenendo wako wa akaunti yako ya mkopo kwa Ofisi yoyote ya Marejeleo ya Mikopo, na unakubali kuacha madai yoyote ambayo unaweza kuwa nayo dhidi ya PCUL kuhusiana na ufichuzi huo.

4.6 PCUL inahifadhi haki ya kuomba maelezo zaidi kutoka kwako yanayohusu ombi lako la huduma au bidhaa za PCUL. Kukosa kutoa maelezo kama hayo ndani ya muda unaohitajika na PCUL kunaweza kusababisha PCUL kukataa ombi lako la mkopo.

4.7 Ikiwa hukubali Sheria na Masharti haya yote ya Usajili, basi hupaswi kuendelea na usajili;

4.8 Baada ya usajili kufanikiwa, unashauriwa kusoma na kujifahamisha na sheria na masharti ya kila bidhaa kwani utawajibika kuyazingatia.

ADA, MALIPO NA KODI

5.1 Unakubali kulipa ada zote, kamisheni, gharama na malipo mengine yanayohusiana na matumizi ya mfumo wetu na/au gharama zozote ambazo PCUL imepata au itapata katika juhudi za kupata marejesho ya mkopo wowote uliotolewa hapa, ikiwa ni pamoja na lakini sio tu kwa yafuatayo:

5.1.1 Gharama za kisheria ambazo zinaweza kujumuisha malipo ya wakili na mteja na gharama na ada zinazotumika katika katika mashauri yoyote ya kisheria, usuluhishi au taratibu nyingine zinazotokana na au kuhusiana na akaunti yako ya mkopo.;

5.1.2 Kamisheni kwa viwango ambavyo PCUL itaamua mara kwa mara;

5.1.3 Malipo na gharama nyingine ikiwa ni pamoja na lakini sio tu ada za akaunti, gharama za posta, kebo, simu, kodi, ushuru na makato mengine.

5.2 Malipo yote utakayofanya kuhusiana na Sheria na Masharti haya yatakokotolewa bila kujumuisha kodi yoyote inayokuhusu. Ikiwa kodi yoyote inalipwa kuhusiana na malipo hayo, lazima ulipe PCUL kiasi cha ziada sawa na malipo hayo yakizidishwa na kiwango kinachofaa cha kodi.

VIFAA VYA MKOPESHAJI NA MAJUKUMU YA MKOPESHAJI

6.1 Kwa gharama yako mwenyewe, utatoa na kutunza vifaa vyako ili kuhakikisha vinafanya kazi kwa usalama na ufanisi kwa madhumuni ya kupata huduma za mfumo wetu.

6.2 Utawajibika kuhakikisha vifaa vyako vinafanya kazi ipasavyo. PCUL haitahusika na makosa au hitilafu yoyote inayosababishwa na hitilafu ya vifaa vyako, wala haitawajibika kwa virusi vya kompyuta au matatizo yanayohusiana na matumizi ya mfumo wetu.

6.3 Utazingatia maagizo, taratibu, na masharti yote yaliyomo kwenye Sheria na Masharti haya pamoja na taarifa na/au hati zozote zinazotolewa na PCUL kuhusu matumizi ya mfumo wetu.

6.4 Unakubali na kutambua kuwa utawajibika kikamilifu kwa usalama na matumizi sahihi ya vifaa vyako. Utahakikisha kuwa vifaa vyako havifiki mikononi mwa mtu asiyeidhinishwa. PCUL haitawajibika kwa hasara yoyote itakayosababishwa na mtu mwingine anayepata ufikiaji wa vifaa vyako.

6.5 Utaarifu PCUL mara moja kupitia Kituo cha Simu kwa nambari 0200300500 ikiwa una sababu ya kuamini kuwa kifaa chako kimetumika kukamilisha muamala kwa njia ya ulaghai bila idhini yako. Hata hivyo, PCUL haitawajibika kwa ukiukaji huo usioidhinishwa.

KUONDOLEWA KWA DHIMA

7.1 PCUL haitawajibika kwa hasara yoyote inayokupata endapo mfumo utaathirika au kutopatikana kutokana na hitilafu ya vifaa vyako au hali nyingine yoyote iliyo nje ya udhibiti wa PCUL ikiwa ni pamoja na, bila kizuizi, matukio ya dharura yasiyoweza kudhibitiwa au kosa, katizo, ucheleweshaji au kutopatikana kwa mfumo wetu, mashambulizi ya kigaidi au vitendo vya maadui, hitilafu za vifaa, kukatika kwa umeme, hali mbaya ya hewa au anga, na hitilafu ya mifumo yoyote ya mawasiliano ya umma au binafsi.

7.2 PCUL haitawajibika kwa hasara au uharibifu wowote utakaoupata kutokana na au kuhusiana na:

7.2.1 Kushindwa, kuharibika, kukatika au kutopatikana kwa kifaa chako;

7.2.2 Matumizi yoyote ya udanganyifu au haramu ya jukwaa la mkopo wa mtandaoni au vifaa vyako;

7.2.3 Kushindwa kwako kuzingatia Sheria na Masharti haya na hati au taarifa yoyote iliyotolewa na PCUL kuhusiana na matumizi ya mfumo wetu.

7.3 Dhamana na wajibu wowote unaodokezwa na sheria unafutwa kikamilifu kwa kadri sheria Inavyoruhusu.

MALI YA AKILI NA HAKI MILIKI

8.1 Unakubali kuwa mali ya akili na haki miliki kwenye mfumo wetu (na marekebisho yoyote, masasisho au uboreshaji ya mara kwa mara) na hati zote zinazohusiana ambazo PCUL inakupatia kupitia mfumo au kwa njia nyingine zinamilikiwa na PCUL. Hutaruhusiwa kukiuka haki hizo za mali ya akili na haki miliki. Hupaswi kunakili, kuzalisha upya, au kwa njia yoyote kuharibu mfumo na hati zinazohusiana bila idhini ya maandishi ya awali kutoka kwa PCUL.

MAOMBI YAKO

9.1 Maombi yote yanayopokelewa kutoka kwa kifaa chako, yanayofanywa kwa kupiga *249#, yatachukuliwa kuwa yametekelezwa na wewe.

9.2 Unatoa mamlaka isiyoweza kubatilishwa kwa PCUL kuchukua hatua kwa maombi yote yanayopokelewa kutoka kwako kupitia mfumo wake na kukuwajibisha ipasavyo.

9.3 PCUL inahifadhi haki na ina mamlaka ya kukubali na kutekeleza ombi lolote, hata kama ombi hilo halijakamilika au lina utata kwa sababu yoyote ile, ikiwa kwa hiari yake kamili, PCUL inaamini kuwa inaweza kusahihisha taarifa isiyokamilika au yenye utata katika ombi hilo bila ya haja ya kurejea kwako;

9.4 PCUL itachukuliwa kuwa imetekeleza majukumu yake ipasavyo na kukamilisha wajibu wake kwako, hata kama ombi hilo lilianzishwa, kutumwa, au kuwasilishwa kimakosa au kwa njia ya udanganyifu. Utawajibika kwa maelekezo yoyote ambayo PCUL itatekeleza ikiwa PCUL inatenda kwa nia njema kwa imani kwamba maelekezo hayo yametumwa na wewe.

9.5 PCUL, kwa uamuzi wake kamili, inaweza kukataa kutekeleza ombi lako kwa sehemu au kwa ujumla hadi uchunguzi zaidi ufanyike au uthibitisho wa ziada (iwe kwa maandishi au vinginevyo) upokewe kutoka kwako.

9.6 Unakubali kuiachia huru na kufidia PCUL dhidi ya madai, hasara, uharibifu, gharama, na matumizi yoyote yanayotokana au yanayohusiana kwa njia yoyote na hatua ya PCUL kutekeleza kwa sehemu au kwa ujumla ombi lako (au kushindwa kutumia) mamlaka iliyopewa.

9.7 Unakubali kwamba PCUL haitawajibika kwa muamala wowote, shughuli yoyote, au tukio lolote kwenye kifaa chako, iwe umetenda kwa upurukushani au la.

9.8 PCUL ina mamlaka ya kutekeleza maagizo yoyote yanayohusiana na akaunti yako ya mkopo kama inavyohitajika na amri yoyote ya mahakama au mamlaka yoyote inayostahili chini ya sheria zinazotumika.

9.9 Iwapo kutatokea mgongano kati ya masharti yoyote ya ombi lolote ulilotuma kwa PCUL na Sheria na Masharti haya, basi Sheria na Masharti haya yatatangulia kwa idhini maalum ulizotoa.

FEDHA ZA HARAKA ZA LBF

10.1 Mkopo

10.1.1 Mikopo inayotolewa chini ya fedha za haraka za LBF itategemea mkopo wa awali wa LBF na itawekwa dhamana kwa mali iliyopo, hadi mikopo yote miwili ilipwe kikamilifu.

10.1.2 Iwapo kutatokea kushindwa kulipa mkopo wa fedha za haraka za LBF, taratibu za kawaida za ukusanyaji zilizowekwa kwa mkopo wa awali wa LBF zitatumika.

10.1.3 Kiasi cha chini zaidi cha mkopo huu ni Ugx 400,000, na kiasi cha juu zaidi ni Ugx 3,000,000.

10.1.4 Ada ya kuchakata mkopo huo ni 10% na italipwa mapema kabla ya kutolewa kwa mkopo.

10.1.5 Ada ya stempu ya Ugx 15,000 italipwa.

10.1.6 PCUL ina haki ya kurekebisha notisi ya awali kwa Msajili wa Haki za Dhamana ili kujumuisha kiasi cha mkopo wa fedha za haraka kilichotolewa kupitia USSD.

10.1.7 Malipo yatafanyika kupitia simu, na ada ya mtandao ya Ugx 390 italipwa.

10.2 Muda wa Mkopo

10.2.1 Muda wa juu kabisa wa mkopo wa fedha za haraka za LBF ni mwezi moja.

Dhamana

11.1. Mkopaji ametoa dhamana iliyoelezwa hapo juu mahsusi ili kupata mkopo na iwapo atashindwa kulipa, Mkopeshaji atatumia haki yake ya kukamata na kutambua dhamana bila kurejea mahakamani na kurejesha sehemu yoyote ya mkopo ambayo haijalipwa pamoja na gharama zote ikiwa ni pamoja na, lakini haijakomea kwa, ada zilizoongezeka pamoja na adhabu, riba yoyote iliyoongezeka, gharama za utekelezaji, ada zinazotokezea wakati wa kurejesha na/au gharama za kisheria.

11.2. Vifaa vyote vya mkopo vitaunganishwa na dhamana iliyotozwa hapo awali, hadi vifaa vyote viwili vitakapolipwa kikamilifu.

Kushindwa Kulipa Mkopo

12.1 Ikiwa mkopaji atashindwa kutuma malipo ya kila mwezi kwa tarehe iliyokubalika kuwa ya mwisho, basi atazingatiwa kuwa ameshindwa kulipa mkopo.

12.2 Iwapo mkopaji atashindwa kulipa mkopo wowote mwingine aliopewa pamoja na mkopo huu wa Logbook, PCUL ina haki ya kutekeleza haki za kulipa na kushikilia dhamana yoyote inayomilikiwa na Kampuni wakati wa tukio kama hilo la kushindwa kulipa mkopo.

Ukombozi

Iwapo dhamana imezuiliwa na PCUL kwa sababu ya mkopaji kushindwa kulipa mkopo, au ukiukaji wa masharti yoyote ya mkataba huu, Mkopaji anaweza tu kukomboa dhamana baada ya malipo kamili ya kiasi ambacho hakijalipwa, na gharama zingine zozote zitakazopatikana kama inavyoagizwa na PCUL, lakini mkopaji atapoteza haki ya kukomboa dhamana ikiwa PCUL imeanzisha utaratibu wa kupiga mnada dhamana hiyo na kuuza dhamana hiyo ili kurejesha kiasi chochote kilichosalia cha mkopo.

Kulipa Mkopo Kabla ya Kumalizika kwa Muda wa Mkopo.

14.1. Mkopaji ana haki ya kulipa mkopo kabla ya kumalizika kwa muda wa mkopo, na katika hali hiyo, Mkopaji ataomba nukuu ya malipo kutoka kwa Mkopeshaji ambayo itakuwa na kiasi ambacho mkopaji anawajibika kulipa wakati huo wa malipo ya mapema. Iwapo mkopo utalipwa mapema, mkopaji HATATOZWA ada za malipo ya mapema.

14.2. Nukuu ya malipo ya mapema itakuwa halali kwa muda maalum na mkopaji anajitolea kulipa kiasi kilichonukuliwa ndani ya muda uliotajwa, na kushindwa kwake kunamaanisha kwamba mkopo na malipo yake yataendelea kama kawaida.

14.3. Mkopaji atatozwa UGX 20,000/= kwa kila nukuu ya malipo ya mpema iliyotolewa.

Uwakilishi na udhamini

Ambapo gari limetolewa kama dhamana, mkopaji anaahidi:

15.1 Thibitisha kuwa Mkopaji ndiye mmiliki wa gari lililotumika kupata huduma ya mkopo na gari linalohusika;

2 Kuidhinisha PCUL kuweka tahadhari na ada kwa gari husika kwa muda wote mkopo u takaposalia bila kulipwa.

15.3 Kuweka na kutunza gari katika sura na hali nzuri (Uchakavu kidogo tu utakubalika) na atawajibika kikamilifu kwa hasara au uharibifu wowote ule utakaotokea;

15.4 Kutohamisha au kuweka rehani gari lililotajwa wakati wa muda wa mkopo

15.5 Lipa kwa wakati leseni, ushuru, ada na malipo yote ya usajili wakati zinapohitajika.

15.6 Hakikisha kuwa kifaa cha kutambua eneo la gari linalotumika kama dhamana hakijaibiwa na/au kuharibiwa na: Iwapo gari halitatumika kwa muda wowote wa mkopo, Mkopaji ataarifu PCUL kuhusu tarehe mahususi, na kupanga na kuhakikisha kuwa Gari hilo linashikiliwa kwenye yadi iliyoidhinishwa.

15.6.1 Iwapo kifaa cha kutambua eneo la gari kitakuwa na hitilafu ya kiufundi ndani ya muda wa makubaliano haya ya mkopo, PCUL na mtoa huduma wa kifaa cha kufuatilia eneo la gari watawasiliana na mkopaji. Ni jukumu la mkopaji kushirikiana na PCUL na mtoa huduma ili kuhakikisha kuwa gari linawasilishwa kwa mtoa huduma ili kutatua tatizo, na kurejesha mawimbi ya mawasiliano katika hali ya kawaida. Iwapo mkopaji atashindwa kushirikiana, PCUL (u) itaanzisha taratibu za kutwaa tena gari lililoathiriwa baada ya saa 24 kutoka kwa wakati wa arifa, ili kuhifadhiwa kwenye yadi iliyoteuliwa kwa gharama ya Mkopaji.

15.6.2 Mkopaji hataruhusu kifaa cha kutambua eneo la gari kusakinishwa kwenye gari isipokuwa kama Mkopaji amekubali ipasavyo masharti ya mkataba wa kutoa mkopo.

15.6.3 Mkopaji atalipa ada za kifaa cha kutambua eneo la gari, ambazo ni UGX 75,000 (Shilingi Elfu Sabini na Tano) kwa Mwezi kwa kila dhamana kwa ajili ya ulipaji wa mkopo uliotolewa na kwamba ada hizi zitajumuishwa katika kila awamu ya mwezi inayolipwa na Mkopaji katika kipindi chote cha mkopo. 4.6.4 Baada ya kukamilika kwa mkopo, Mkopaji atawasilisha gari mara moja kwa ajili ya kuondolewa kwa kifaa cha kutambua eneo la gari kilichowekwa wakati alipopewa mkopo.

15.6.5 Iwapo mkopaji atashindwa kuwasilisha gari kwa ajili ya kuondolewa kwa kifaa cha kulitambua ndani ya siku 30 kuanzia tarehe ya kukamilika kwa mkopo, mkopaji atawajibika kulipa UGX 650,000/= ikiwa ni gharama ya kifaa hicho kabla ya PCUL kuondoa tahadhari yake kwenye gari hilo.

15.6.6 Mkopaji atatozwa Ada za bima ya maisha ya Mkopo kwa kiasi cha 0.30% ya jumla ya kiasi cha mkopo kwa masharti ya mkopo unaodumu kati ya miezi 1-12, au 0.40% ya jumla ya kiasi cha mkopo kwa masharti ya mkopo unaodumu zaidi ya miezi 12, kulingana na masharti inayotumika.

15.6.7 Inaeleweka na kukubaliwa kuwa gharama za uanzishaji wa mkopo isipokuwa ada ya bima ya maisha ya mkopo ambayo itakatwa wakati wa malipo, zitarekodiwa kama gharama kwenye mizania na kulipwa pole pole kwa kipindi cha mkopo.

15.6.8 PCUL inaweza, wakati wa muda wa Mkopo, kuchukua hatua kwa niaba ya mkopaji katika kushughulika na mtoa huduma yoyote wa bima, kuwasilisha faili, kufuatilia au kulipa ada zozote za bima au madai ambayo PCUL inaweza kwa uamuzi wake wa pekee na kabisa itaona kuwa ni muhimu na kutumia mapato yoyote ya bima kulipa kiasi chochote ambacho Mkopaji anadaiwa na PCUL.

Bima.

16.1 Mkopaji anajitolea kuhakikisha kuwa dhamana ina bima kwa muda wote wa mkopo.

16.2 Mkopaji anajitolea kuidhinisha PCUL kama mnufaika mkuu wa malipo yoyote yanayotokana na dai la bima linalohusiana na gari linalotumika kama dhamana.

16.3 Baada ya kukamilika kwa bima yoyote, Mkopaji, ndani ya siku saba baada ya muda huo kuisha, atawasilisha kwa PCUL ushauri muhimu wa usasishaji, na iwapo atakosa kufanya hivyo, PCUL itakuwa na uhuru wa kutekeleza bima hiyo kupitia kwa mawakala wake wa bima walioteuliwa kwa gharama ya Mkopaji bila kurejelea zaidi Mkopaji na kutoa pesa kutoka kwa akaunti ya Mkopaji ili kugharamia kiasi chochote kilicholipwa na PCUL.

16.4 PCUL itastahiki manufaa kamili ya Sera ya Bima ikiwa ni pamoja na malipo ambayo yanaweza kuwa hayajalipwa katika kipindi chochote. Pesa zozote zitakazopokelewa kwa mujibu wa bima kama hiyo zitatumika kwa uamuzi wa PCUL katika kubadilisha au kurejesha hasara au uharibifu wowote. Manufaa hayo pia yatatumika kufuta pesa ambazo PCUL itakuwa inadai Mkopaji wakati huo chini ya makubaliano haya.

16.5 Mkopaji hatatumia gari wala kuruhusu litumike kwa madhumuni yoyote ambayo hayaruhusiwi na sheria na masharti ya Sera ya Bima wala kuruhusu kufanywa kitendo au jambo lolote ambalo kwa sababu hiyo Sera ya Bima inaweza kubatilishwa.

Kufuta Sera ya Bima.

17.1. Ikiwa sera ya bima ni halali na Mkopaji anataka bima inayoweza kugharamia hasara za aina zozote kughairiwa, baada ya ulipaji kamili wa mkopo, kughairiwa kutafanyika ndani ya muda unaoruhusiwa na mtoa bima, kughairiwa kutafanywa na mchakato wa kurejesha pesa kwa mkopaji utafanywa kulingana na sheria na masharti ya sera ya bima.

17.2. PCUL inasalia na haki ya kughairi sera ya bima endapo kesi za mnada zitaanza kama matokeo ya Mkopaji kukosa kulipa mkopo. Katika hali kama hiyo, marejesho yoyote yaliyofanywa na mtoa bima yatatumika kwa ajili ya ulipaji wa mkopo. Ikiwa Mkopaji atakomboa dhamana kabla yake kupigwa mnada, lakini baada ya hatua za kughairiwa zimekamilika, mkopaji atalazimika kununua bima inayoweza kugharamia hasaara za aina zozote kwa muda uliosalia wa kulipa mkopo, kabla ya kutolewa kwa dhamana kwa Mkopaji.

Kiwango cha Riba na Ukokotoaji wa Riba

Jumla ya riba inayotozwa kwenye mkopo huhesabiwa kwa kiwango kisichobadilika cha 4% kila mwezi kwa msingi wa kiasi cha awali cha mkopo pamoja na pesa zilizorekodiwa kama gharama kwenye mizania (inapohitajika) kulingana na muda wa mkopo unaotumika. Kwa mujibu wa Viwango vya Kimataifa vya Kuripoti Taarifa za Fedha (IFRS) vinavyokubalika kimataifa, ulipaji wa mkopo wa awali na wa riba kwenye ratiba ya urejeshaji wa mkopo utakokotolewa kwa msingi wa kiwango sawa cha riba cha kupungua/kushuka hadi kiwango cha juu cha 6.64% kulingana na muda wa mkopo, ambao utakuwa msingi wa kukokotoa kiasi ambacho hakijalipwa wakati wa malipo ya mapema.

Riba husika ya nyongeza na ada za benki zilizoongezeka

19.1 Baada ya kushindwa kulipa mkopo, riba ya nyongeza ya asilimia 0.33% itatozwa kwa kiasi ambacho hakijalipwa kila siku hadi pale mkopaji atakapolia pesa zote anzaodaiwa.

19.2 Kwa akaunti za muda uliopita, riba ya nyongeza ya 0.33% itatozwa kwa kiasi ambacho hakijalipwa kila siku hadi kiwango isiyozidi robo ya muda wa awali wa mkopo.

19.3. Pale ambapo hundi/hati rasmi iliyotolewa na Mkopaji imekataliwa, Mkopaji atalazimika kurejesha malipo halisi ya benki za Ush 100,000/= ambazo PCUL itakuwa imegharamia kwa kila hundi/hati rasmi ambayo ilikataliwa.

19.3.1 Kwa hivyo, PCUL itakuwa na haki ya kumiliki tena na kuuza gari/dhamana kwa namna a mbayo inakubalika na sheria na Mkopaji ana wajibu wa kushirikiana ipasavyo.

19.3.2 Baada ya kutwaa tena gari, PCUL itasitisha kwa muda uwekaji benki wa hundi/vyombo vilivyo chini ya ulinzi wake hadi akaunti ya mkopo itakaporatibiwa au kulipwa kikamilifu.

Uhifadhi na Utoaji wa Hundi Zilizotolewa

20.1 Mkopaji atampatia Mkopeshaji hundi zilizotiwa saini hadi tarehe za mbele. Hundi hizo zitakuwa sawa na idadi ya awamu za mkopo. Mkopaji atamruhusu Mkopeshaji kuweka hundi hizo benkini ifikapo tarehe ambayo malipo ya awamu yanadaiwa.

20.2 Katika tukio ambalo Mkopaji hataki kuwekewa benkini hundi zilizotolewa wakati malipo ya awamu yanapolipwa, atampa Mkopeshaji notisi ya maandishi ya siku 3 za kazi akieleza nia hii, na Mkopaji ataendelea kufanya malipo kwa kutumia njia mbadala kama zilivyotolewa na Mkopeshaji, kushindwa kwake ambapo Mkopeshaji ataweka hundi hiyo benkini tarehe ambayo awamu inadaiwa. Uthibitisho wa malipo utawasilishwa kwa PCUL kabla ya saa nne asubuhi ya siku ambayo mkopo unapaswa kulipwa.

20.3 Baada ya malipo ya kiasi cha mkopo wa ufadhili mpya wa USSD LBF kilichofadhiliwa upya, mkopaji lazima ndani ya siku 7 za kazi awasilishe hundi mpya kulingana na ratiba mpya ya mkopo, na iwapo atashindwa kufanya hivyo, PCUL itatwaa tena dhamana/mali, na gharama halisi ya kutwaa tena italipwa na mkopaji.

20.4 Katika tukio ambalo mkopaji atashindwa kulipa, mchakato wa kawaida wa makusanyo kulingana na sheria na masharti ya mkopo wa LBF utatumika.

20.5 Baada ya kukamilisha/au kumaliza kulipa mkopo, mkopaji atahitajika kuchukua (yeye binafsi) hundi zozote ambazo hazijatumika ndani ya siku 30 za kazi kuanzia tarehe ya kukamilika kwa malipo/makubaliano kamili. Baada ya kupokea hundi ambazo hazikutumiwa, mkopaji ataziharibu; PCUL haitawajibikia hasara yoyote, madai au uharibifu kutoka au kwa mtu yeyote ikiwa hundi hizi zitatumika kwa ulaghai.

20.6 Ikiwa siku 30 za kazi zilizotajwa hapo juu zitapita bila mkopaji kuchukua hundi ambazo hazijatumika, PCUL itakuwa na haki ya kuharibu hundi hizo ili zisitumike.

Uondoaji wa tahadhari.

21.1 Baada ya kutimizwa kwa taratibu zote zilizowekwa chini ya mkopo, ikijumuisha ada za UGX 76,000/= za kuondoa tahadhari, na baada ya uthibitisho wa PCUL kwamba Mkopaji ametii kifungu cha 4.6.4 au 4.6.5 cha makubaliano haya, kwa vyovyote vile itatumika, PCUL itaondoa tahadhari dhidi ya Logbook ndani ya siku 7 (saba) za kazi kutoka siku ya kutekeleza agizo hilo.

21.2 Kipindi kilichotajwa katika Kifungu cha 8.1 hapo juu hakitatumika ikiwa uondoaji utacheleweshwa kwa sababu zilizo nje ya udhibiti wa PCUL.

Wajibu wa Kijamii– Mkopaji anajitolea kutumia mkopo huo kwa shughuli za kiuchumi ambazo ni halali na zinahakikisha kwamba watazingatia sheria zote zinazohusika za mazingira, zikiwemo zile zinazohusiana na utupaji taka na utunzaji sahihi wa vitu hatarishi na sumu.

22.1 Mkopaji anatoa uthibitisho wa kutii kikamilifu sheria zote zinazotumika za kimataifa na kitaifa, ikijumuisha, lakini sio tu: (i) haki za binadamu, (ii) vikwazo, udhibiti wa silaha, ulanguzi wa dawa za kulevya na kanuni za kukabiliana na ugaidi, (iii) viwango vya afya na usalama kwa wafanyakazi na wahusika wengine, (v) sheria za ulinzi wa mazingira, (vii) sheria za kupambana na ufisadi na hongo, kuzuia rushwa, na kuchangia katika kuzuia uuzaji wa madawa haramu. (viii) hatua za kuzuia utakatishaji wa fedha. Mkopaji anajitolea kudumisha utiifu huu katika muda wote wa mkopo.

Kuondolewa lawama za kisheria:

Mkopaji anajitolea kikamilifu kuondolea PCUL lawama zozote za kisheria, kukubali kuwa PCUL haina madhara yoyote, ikiwa ni pamoja na wakurugenzi wake, mawakala, washirika, na kuwakinga dhidi ya madai yoyote, matakwa, kesi za kisheria, uharibifu, dhima na hasara ambazo ni matokeo ya Ulaghai, upurukushani au uwakilishi mbaya kutoka kwa mkopaji au pale anapohamisha, kugawa au kuuza dhamana kwa mtu mwingine bila ridhaa ya PCUL.

MALIPO

24.1. Hakuna Malipo ya Mkopo Yatakayofanywa kwa Mfanyakazi wa PCUL, Wakala wa PCUL au wahusika wengine. PCUL haitawajibika kwa malipo YOYOTE yanayofanywa kwa, au kupitia kwa wafanyakazi wake, mawakala au wahusika wengine. Malipo yote ya mkopo yatafanywa kupitia;

i) MTN Mobile Money: *165#, Chagua Malipo (4), Chagua Bidhaa na Huduma (4), Weka Msimbo wa Muuzaji: PCUL, Rejeleo: Nambari ya utambulisho ya Mteja | Airtel Money: *185*4*9#, Nambari ya Biashara: 230011, Kiasi: XXXX, Sababu: Nambari ya utambulisho ya Mteja au,
ii) Jina la Benki: ABSA, Jina la Akaunti: Platinum Credit (U) Ltd, Tawi: Hannington Road, Nambari ya Akaunti: 6006726893.

iii) Jina la Benki: KCB, Jina la Akaunti: Platinum Credit (U) Ltd, Tawi: Kampala Road, Nambari ya Akaunti: 2294852494.

Kughairi Mkopo/Kufuta Mkopo

25.1. Pale ambapo mkopo umeghairiwa katika hatua yoyote ya uchakataji kabla ya kutolewa kwa fedha, Mkopaji atalazimika kulipa gharama zozote za uanzishaji wa mkopo zilizotumika.

25.2. Kughairiwa kwa mkopo kabla ya kutolewa kwa fedha kunapaswa kuwasilishwa kwa maandishi kupitia barua rasmi.

25.3. Ikiwa mkopo utaghairiwa baada ya kupokea fedha, Mkopaji atarejesha kiasi kilichotolewa pamoja na gharama za uanzishaji wa mkopo ndani ya siku 5 za kazi baada ya kupokea fedha hizo, na hiyo itawasilishwa kwa maandishi kupitia barua rasmi iliyoambatana na uthibitisho ya kurejeshewa pesa. Iwapo hii haitazingatiwa, riba itatozwa.

Tamko na Ahadi.

26.1. Mkopaji anaahidi kutumia mkopo huo kwa madhumuni halali, na hivyo anathibitisha kwamba atatii na ataendelea kuzingatia sheria zote za kimataifa na kitaifa zinazotumika, ikijumuisha, lakini sio tu; (i) haki za binadamu, (ii) vikwazo, udhibiti wa silaha, usafirishaji wa dawa za kulevya na kanuni za kukabiliana na ugaidi, viwango vya afya na usalama kwa wafanyakazi na wahusika wengine, sheria za ulinzi wa mazingira, sheria za kupambana na rushwa na hongo, kuzuia ulaghai, na kuweza kushawishi kanuni za biashara na hatua za kuzuia utakatishaji wa fedha. Mkopaji anajitolea kudumisha utiifu huu katika muda wote wa mkopo.

2. Mkopaji anatoa tamshi kwamba taarifa zote zinazotolewa kama sehemu ya ombi la mkopo zinaendana na hali halisi na kuwajibika kikamilifu kwa usahihi wake.

26.3. Mkopaji anathibitisha zaidi kwamba amesoma na kuelewa kanuni na masharti ya mkataba huu ambayo yameelezwa kikamilifu na atazingatia masharti hayo.

ULINZI WA DATA

27.1. Inaeleweka na kuafikiwa kwamba data iliyo hapa imepatikana moja kwa moja kutoka kwa Mkopaji ambaye ametoa data hii kwa PCUL ili kuwezesha uchakataji wa mkopo unaoombwa na Mkopaji.

27.2. Inaeleweka na kuafikiwa kuwa kwa kusaini mkataba huu, Mkopaji;

27.3. Lazima atoe data ya kibinafsi ambayo inahitajika kwa ajili ya kuwezesha uchakataji wa mkopo, kuanzisha na kutunza biashara na kwa kutimiza wajibu wa kimkataba na kisheria wa PCUL;

27.4. Anotoa idhini kwa PCUL kuchakata data kulingana na sera yake ya ndani ya kampuni;

27.5. ametoa ridhaa kwa PCUL kuendelea kushikilia na kuchakata data iliyotolewa hata baada ya majukumu yote chini ya ufadhili mpya wa mkopo kukamilika kwa madhumuni mbalimbali ikiwa ni pamoja na lakini si tu kwa utafiti, uundaji wa bidhaa, uchambuzi wa mwenendo wa soko, uendeshaji wa kanuni na taratibu za PCUL;

27.6. ako huru kutumia haki zake kama mtoaji wa data na kama inavyoelezwa na Sheria ya Ulinzi wa Data na Faragha, Sura ya 97, Sheria za Uganda;

27.7. PCUL inajitolea kuhakikisha kuwa data ya kibinafsi iliyotolewa na Mkopaji inachakatwa kwa mujibu wa Sheria za Ulinzi wa Data za Uganda.

27.8. Kwa maswali na maelezo zaidi kuhusu Sera yetu ya Ulinzi wa Data, Mkopaji anaweza kuwasiliana na wafanyakazi wetu wa Ulinzi wa Data kwa dpo@platinumcredit.co.ug.

27.9. Tafadhali tembelea tovuti yetu kwenye: https://platinumcredit.co.ug ili kupata Taarifa yetu ya Faragha.

Ofisi ya Marejeleo ya Mikopo -Inafahamika na kukubaliwa kwamba kwa kusaini mkataba huu Mkopaji;

28.1. Anaipa PCUL mamlaka/ridhaa ya kufikia historia ya mkopo ya Mkopaji kutoka kwa Ofisi ya Marejeleo ya Mikopo iliyosajiliwa.

28.2. Anaipa PCUL ruhusa ya kusajili maelezo ya mwenendo wa akaunti ya Mkopaji kwa ofisi yoyote ya mikopo na Mkopaji husika anaondoa dai lolote ambalo anaweza kuwa nalo dhidi ya PCUL kuhusiana na ufichuzi kama huo.

28.3. Anakubali na anaidhinisha PCUL kupata na kutumia taarifa zake za kibinafsi zilizo katika NIRA kutoka kwa Serikali ya Uganda na anakubali zaidi na kuridhia ufichuzi na utoaji wa taarifa hizo za kibinafsi kutoka kwa Serikali ya Uganda kwa PCUL.

4 Anaidhinisha PCUL kufikia taarifa yoyote inayopatikana ili kutathmini ombi lake, na pia anaipa PCUL ruhusa ya kusajili maelezo ya mwenendo wa akaunti yake ya mkopo kwa Ofisi yoyote ya Marejeleo ya Mikopo, na anaondoa madai yoyote ambayo anaweza kuwa nayo dhidi ya PCUL kuhusiana na ufichuzi huo.
Utatuzi wa migogoro.

29.1. Ikiwa kuna mzozo kuhusu mkataba huu wa mkopo au miamala yoyote, mkopaji anaweza kutafuta suluhu kutoka kwa PCUL au kupitia Simu Nambari +256 (0) 200 300 500.

29.2. Isipokuwa Mkataba huu tayari umekataliwa au kusitishwa, pande husika zitakuwa na jukumu la kuendelea kutekeleza majukumu yao kulingana na Mkataba huu, (bila kujali kwamba mzozo wowote unazingatiwa katika utaratibu wa utatuzi wa mzozo ulioelezewa katika Mkataba huu), kama ilivyoainishwa katika Mkataba huu.

Sheria Inayotawala:

Mkataba huu utakuwa chini ya Sheria za Uganda na utazingatia mamlaka ya kipekee ya Mahakama za Uganda.

DOWNLOAD

LBF Refinance

USSD TERMS AND CONDITIONS

1. THE AGREEMENT

1.1 This agreement sets out the complete terms and conditions (hereinafter called “Terms and Conditions”) which shall be applicable to the Platinum Credit (U) Limited (hereinafter referred to as PCUL) mobile lending platform.

1.2 These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.

2. DEFINITIONS

2.1 In these Terms and Conditions, the following words and expressions bear the following meanings:

2.1.1 “PCL”, “PCUL” means Platinum Credit Limited Uganda;

2.1.2 Credit Reference Bureau means a bureau duly licensed to collect and facilitate the sharing of borrower’s information;

2.1.3 Borrower means the person at whose request PCUL will advance a loan facility;

2.1.4 Call Centre means PCUL’s call center;

2.1.5 Equipment includes your mobile phone handset and/ or other equipment which when used together enables you to access the PCUL online lending platform;

2.1.6 Products means the various loan facilities offered by PCUL;

2.1.7 Request means instruction received by PCUL from you or purportedly from you through the system and upon which request PCUL is authorized to act;

2.1.8 Services shall include any form of financial services or products that PCUL may offer you pursuant to this Agreement and as you may from time to time subscribe to and “service” shall be construed accordingly;

2.1.9 Security agreement constitutes the legal, valid, binding and enforceable obligations of the borrower and will continue to be effective overall to every part of the secured asset;

2.1.10 Secured asset is the asset/security over which the loan facility is secured;

2.1.11 SMS means a short message service consisting of a text message transmitted from one mobile to another;

2.1.12 System means PCUL’s electronic lending platform and communications software for the purpose of these services;

2.1.13 Transaction fees includes the facility fee, roll over fee, loan administration fee and any other charges payable for the use of the services as published by PCUL on PCL’s website or by such other means as PCUL shall in its sole discretion determine. Transaction fees are subject to change at any time at PCUL’s sole discretion.

2.1.14 We, our and us means PCUL and includes the successors and assigns of the PCUL;

2.1.15 You and your means the borrower and includes the personal representatives of the Borrower;

2.1.16 USSD T&C’s means these USSD Terms and Conditions.

2.1.17 The word “borrower” shall include both the masculine and the feminine gender as well as the juristic persons;

2.1.18 Words implying the singular meaning where the context so admits include the plural meaning and vice versa.

2.1.19 Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.

3. ACCEPTANCE OF THE TERMS AND CONDITIONS