Effective Date: 22/07/2026
Last Updated: 24/07/2026

Welcome to the official website of Besania SACCO Ltd. By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you should discontinue use of this website immediately.

1. About Besania SACCO Ltd.

Besania SACCO Ltd. is a registered Savings and Credit Cooperative Society established to promote financial inclusion by providing savings, credit, financial education, and other related services to its members.

The information provided on this website is intended to inform members, prospective members, partners, and the general public about our services and activities.

2. Acceptance of Terms

By accessing this website, you confirm that:

You have read and understood these Terms and Conditions.
You agree to comply with all applicable laws and regulations.
You will use this website only for lawful purposes.

3. Eligibility

Some services offered through this website may only be available to registered members of Besania SACCO Ltd.

Membership eligibility shall be governed by:

The SACCO’s Constitution and By-laws.
Applicable cooperative laws in Uganda.
Internal membership policies.

Submission of an online application does not automatically grant membership.

4. Website Content

All information provided on this website is for general informational purposes only.

While Besania SACCO Ltd. strives to ensure that information is accurate and up to date, we do not guarantee:

Complete accuracy
Completeness
Reliability
Timeliness

Information may change without prior notice.

5. User Responsibilities

Users agree that they shall not:

Use the website for unlawful purposes.
Attempt to gain unauthorised access to the website or its servers.
Upload viruses or malicious software.
Interfere with website operations.
Misrepresent their identity.
Submit false or misleading information.
Violate the rights of other users.

6. Member Accounts

Where member login services are available, users are responsible for:

Keeping login credentials confidential.
Maintaining the security of their passwords.
Reporting unauthorised access immediately.
Ensuring that information provided is accurate and current.

Besania SACCO Ltd. is not liable for losses resulting from unauthorised use of member credentials.

7. Loans and Financial Services

Information about loans, savings products, and other financial services provided on this website is intended for informational purposes only.

Approval of any financial service remains subject to:

Eligibility assessment
Credit evaluation
Membership status
Availability of funds
Compliance with SACCO policies

Submission of an online application does not guarantee approval.

8. Interest Rates and Fees

Interest rates, fees, charges, and service terms may change from time to time.

The latest applicable rates shall be communicated through official SACCO communication channels.

9. Online Applications

Where online applications are provided, applicants agree that:

All information submitted is true and accurate.
False declarations may result in rejection.
Additional documentation may be requested.
Verification procedures may be conducted.

10. Intellectual Property

Unless otherwise stated, all content on this website, including:

Text
Images
Logos
Graphics
Videos
Documents
Downloads
Website design

is the property of Besania SACCO Ltd. or its licensors and is protected under applicable intellectual property laws.

No material may be copied, reproduced, modified, distributed, or republished without prior written permission.

11. Privacy

Personal information collected through this website shall be handled in accordance with our Privacy Policy and applicable data protection laws.

By using this website, you consent to the collection and processing of your information for legitimate business purposes.

12. Third-Party Links

This website may contain links to third-party websites.

Besania SACCO Ltd. does not control or endorse such websites and accepts no responsibility for their content, policies, or services.

Users access third-party websites at their own risk.

13. Limitation of Liability

To the fullest extent permitted by law, Besania SACCO Ltd. shall not be liable for:

Loss of profits
Loss of business
Data loss
Service interruption
Indirect or consequential damages
Technical failures beyond our control

This includes damages arising from use or inability to use this website.

14. Website Availability

We strive to keep this website available at all times.

However, we do not guarantee uninterrupted access and reserve the right to suspend or modify the website without prior notice for maintenance, upgrades, or security reasons.

15. Security

Users should not attempt to compromise website security through:

Hacking
Password attacks
Malware
Automated scraping
Unauthorised access attempts

Any such activities may result in legal action.

16. Communications

By submitting forms through this website, users consent to receive communications from Besania SACCO Ltd., including:

Loan application updates
Membership notifications
Savings information
General announcements
Service notices

Users may opt out of promotional communications where applicable.

17. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of Uganda.

Any disputes arising from these Terms shall be subject to the jurisdiction of the competent courts of Uganda.

18. Changes to These Terms

Besania SACCO Ltd. reserves the right to update or modify these Terms and Conditions at any time.

Changes become effective immediately upon publication on this website.

Users are encouraged to review this page periodically.

19. Contact Information

If you have any questions regarding these Terms and Conditions, please get in touch with us on all our platforms.

20. Entire Agreement

These Terms and Conditions constitute the entire agreement between users and Besania SACCO Ltd. regarding use of this website and supersede any prior understandings relating to the website.

By continuing to browse or use this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.