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Jahihi
+256 700 123 456Mon–Fri, 8:30am – 5:00pm EAT

Legal

Terms of Service

These terms govern your use of Jahihi's website, mobile applications and financial services. They apply alongside any product-specific agreement you sign with us.

Version
2.1
Effective from
1 January 2026
Last reviewed
1 January 2026

1. Acceptance of these terms

By accessing our website, mobile applications or any Jahihi service, you agree to be bound by these Terms of Service. If you do not agree, do not use the service.

These terms apply in addition to any product agreement you sign — for example a savings account mandate, a loan agreement or a trade finance facility letter. If there is a conflict, the product agreement takes precedence for that product.

2. Who we are

“Jahihi”, “we”, “us” and “our” refer to the Jahihi entity that provides the service to you, determined by the region in which your account is held. The regulator and licence number for your region are shown at the bottom of this page.

3. Eligibility

To open an account or apply for a loan, you must:

  • Be at least 18 years old.
  • Be a resident of a country where Jahihi is licensed to operate.
  • Provide accurate, current identification and any supporting documentation we require.
  • Not be subject to sanctions imposed by any applicable authority.

4. Your account

4.1 Accurate information

You agree to provide accurate information when you open an account or apply for a product, and to keep it up to date. If we discover that information is false, we may suspend or close your account.

4.2 Security

You are responsible for keeping your password, PIN and any other credentials confidential. Never share them with anyone — including someone claiming to work for Jahihi. We will never ask for them by phone, email or SMS.

4.3 Notify us of unauthorised access

If you believe your account has been accessed without your authorisation, contact us immediately using the fraud channel listed on our security page.

5. Loans and credit

5.1 Application and assessment

All loan applications are subject to assessment. We may decline an application without giving reasons, as permitted by law.

5.2 Rate and terms

Rates shown on this website are indicative. Your final rate, fees and repayment schedule are set out in your loan agreement. You are bound only by the terms in that agreement.

5.3 Repayment

You agree to repay your loan in accordance with the schedule in your agreement. If you are unable to make a payment, contact us before the due date — we will work with you where we can.

5.4 Early repayment

You may repay part or all of your outstanding balance at any time. Interest is charged only on the balance you owe, so early repayment reduces your total cost.

6. Trade finance

Trade finance facilities are governed by the specific facility agreement you sign. Additional conditions apply, including KYC and AML screening of the company, its beneficial owners and counterparties.

7. Prohibited use

You agree not to use our services to:

  • Violate any law, including anti-money laundering and sanctions laws.
  • Finance illegal activity.
  • Attempt to access accounts you do not own.
  • Interfere with the security or availability of our systems.
  • Impersonate another person or entity.

8. Fees and charges

Fees for our services are set out in the rates and fees schedule and in your product agreement. We will give you at least 30 days' notice of any change to fees that affects you.

9. Suspension and closure

We may suspend or close your account if you breach these terms, if we are required to do so by law, or if we reasonably believe there is a risk of fraud or financial crime. Where possible, we will tell you before doing so.

10. Our liability

We are responsible for providing our services with reasonable skill and care. We are not liable for losses caused by events outside our reasonable control, or by your failure to keep your credentials secure. Nothing in these terms excludes liability that cannot be excluded by law.

11. Changes to these terms

We may update these terms from time to time. The current version and its effective date are shown at the top of this page. Material changes will be communicated to you in advance.

12. Governing law and disputes

These terms are governed by the laws of the country in which your account is held. Any dispute will be resolved in the courts of that country, or through the complaints process described at /complaints.

13. Contact

For questions about these terms, write to our contact team.

Jahihi Uganda is supervised by the Bank of Uganda under licence MDL/2024/1234.

Data protection regulator: Personal Data Protection Office.

Complaints can also be escalated to Bank of Uganda Complaints Desk on +256 414 258 441.

Registered in Uganda as Company No. 80010000123456.

End of Terms of Service, version 2.1. Questions? Write to our legal team.