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Terms and Conditions

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This document lays out the Terms & Conditions and Rules for

the Services (hereinafter called “T&Cs”) which shall be applicable to all Savings and Fixed Deposit Accounts which are existing, may be opened now or any time in future with Wakenya Pamoja Sacco. These Conditions are in addition to Your Account Terms.

The Member agrees to comply with and be bound by the T&Cs for the time being and from time to time in force governing operation of Account and recognizes that the T&Cs herein are without prejudice to any right that the Sacco may have with respect to the Account in law or otherwise.


In these Conditions:

“Member” refers to the person or person(s) who has an account(s) with the Sacco and may be changed any time.
“Account” means a unique account created for you to access our service(s) or part of our service.
“Account Terms” means the terms and conditions applicable to your Account;
“Agreement” means the agreement you enter into with Us which comprises of terms and Conditions.

“Helpline” means a telephone help desk service which will provide assistance.

“Instruction” means detailed information  given to Us through any of the services using your personal details;
“Website address” refers to Wakenya Pamoja Sacco Ltd accessible from;”We”, “Our” and “Us” means Wakenya Pamoja Sacco Limited;
“Working Day” means any day other than a Saturday, Sunday or Kenyan public holiday;
“You” and “Your” means the person who registers for or activates any of the Services;
“Your Equipment” means all such compatible equipment and devices, software (including any necessary app downloads), used and required by you to properly access any of the Services.


Online banking is brought to you by Wakenya Pamoja Sacco Limited (“us”, “we”, “the Sacco”), an authorized financial services provider.

These terms and conditions (“the Terms”) govern our respective rights and obligations when you use Online Banking and come into effect when you register for Online Banking or once you access Online Banking, whichever occurs first.

By making use of Online Banking, you admit that you have read, understood and agreed to these terms and conditions, and that you have consented to us sharing your personal information within the Sacco in the ordinary course of our business of providing the Services to you.


We may amend these Terms from time to time. If you use Online Banking after we have posted an amended version of these Terms on the website, we will be entitled to assume that you have agreed to be bound to the amended version of the Agreement.


For security, identification and verification purposes, when using Online Banking, you will make use of a variety of access codes for different purposes, such as your access number, Personal Identification Number (“PIN”), card number, account number, User ID and Password. These are all called your “access codes”.

You must take care to keep your access codes secret. Do not disclose your access codes to any other person and do not keep together with other Online Banking documents. If you call the Online Banking helpline, we may ask you for certain information such as your account or card number. However, there will never be a reason for anybody, including our staff, to know your Password or PIN.

If you believe your access codes have been compromised, you must immediately contact the Online Banking helpline on +254746668190/ and request that they deactivate your access codes or you can reset your access codes on the website with your Sacco card and PIN.

Until you notify us to deactivate your access codes we will not be responsible for any transactions that are performed without your knowledge or consent or any loss you suffer as a result.


We are committed to ensuring the security of your use of Online Banking and are entitled to investigate any loss suffered by you which is alleged to have occurred as a result of fraud via the website.

Where you have been a victim of an Online Banking fraud, you must inform us immediately.

We will investigate all reported cases of Online Banking frauds and provide feedback on the action to be taken provided that you have complied with the safety measures listed in the Security Policy.


Before you can use Online Banking, you must first have a User ID and PIN. Once you have these and your User ID has been activated, login through our mobile App or USSD. For more information call the Online Banking helpline on +254746668190/


Because we communicate through our mobile App and USSD code, you agree that we are entitled to assume that you have authorized all transactions once your access codes have been entered. This will not apply if you have notified us to disable access to your accounts because your access codes have been misplaced, lost or stolen you report to Our records of your transactions will be proof of any instruction you have given us, unless you can prove to the contrary.

You are responsible for giving correct information and instructions when registering for Online Banking and when conducting transactions via mobile App and USSD.

We will try to assist if you make a mistake when giving us an instruction, but we will not be responsible for any loss or damage caused by your error. We will also not be liable for payments made by you to unintended recipients due to the input of incorrect information, nor are we responsible for the verification of the identity of recipients. We cannot reverse duplicate or erroneous payments you make to other accounts without the specific consent of the account holder. Our role is simply to pass your instructions on to where the account is held and we will not be liable for any act or omission on the part of the other party.

Certain transactions may not be terminated, such as the purchase of pre-paid products made available via Online Banking. All transactions will be subject to the same turnaround times that apply to the same accounts and Member profile, if done at Wakenya Pamoja Sacco Branch.

An instruction will only be deemed to have been received by us once we have confirmed receipt. If you are unsure as to whether a transaction has been processed, you should contact us before you re-submit the instruction. This is because re-submitting an instruction may cause us to process the same transaction twice, for which we will not be liable.


We may end your use of Online Banking at any time, for any reason whatsoever, on reasonable notice to you. Such termination will not affect instructions given to us and not yet carried out.

We will, however, terminate your use of Online Banking immediately and without any notice to you if:

  • We believe that your behaviour was inappropriate or constituted misconduct.
  • You breached these Terms.
  • A fraudulent transaction was conducted directly or indirectly by you.

In the event of us terminated your access to Online Banking, we will not be liable for any damages, of any nature, suffered by you or a third party.

You may however, terminate your use of Online Banking by contacting the Online Banking helpline on +254746668190/


We respect your privacy and your personal information. For this reason, we have prepared a Privacy Policy to let you know how we will treat any personal information that we may have about you. We will take all reasonable measures, in accordance with our Privacy Policy, to protect your personal information and to keep it confidential, even when you are no longer our Member.

If you call our helpline you permit us to record your calls for security reasons, Member care and to comply with various laws.


Information that is transmitted over the Internet or via other networks (wireless or otherwise) may be subject to interception. Even if we have taken all reasonable precautions to ensure that Online Banking is secure, we cannot be liable for any loss or damage you suffer as a result of your negligence.

Please read our Security Policy for more information.


No warranties, whether express or implied, are made of any kind in respect of Online Banking including in respect of the performance, quality, security, content, information, availability, accuracy, safety or reliability of Online Banking.


Although we have taken reasonable care to prevent harm or loss to you, we are not liable for any harm or loss whatsoever arising as a result of your use of Online Banking unless such loss or damage arises from our gross negligence or intentional misconduct. This includes your inability to use Online Banking without limitation, any direct, indirect, special, incidental or consequential damages, whether arising out of contract, statute, depict.

Without derogating from the generality of the foregoing, we are not liable for:

  • any damages which you suffer as a result of a compromise of your access codes;
  • any interruption, malfunction, downtime or other failure of Online Banking, our Banking system, third party system, databases or any component part thereof for whatever reason;
  • any loss or damage with regard to your or any other data directly or indirectly caused by malfunction of our Sacco system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on the Sacco system or third party systems; programming defects; negligence on our part;
  • any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities;
  • any event over which we have no direct control.

you furthermore indemnify us against any claims by third parties or loss suffered by us arising from your use of Online Banking.

Your Account Terms shall also apply in addition to these Conditions. Your Account Terms contain terms and conditions which relate to responsibility for transactions on your account and which detail your and our obligations in respect of unauthorised, incorrect and failed payments. We have the right not to refund any unauthorised transaction on your account in the circumstances listed in your account Terms and these Conditions. Please refer to your account Terms. If you dispute that you have carried out a transaction using any of the Services We will investigate and shall expect you to co-operate with us and the Police in any investigations.

You will be liable for all transactions or payments requested from your account using any of the services and/or any charges or interest incurred on the account as a result of any of those transactions or payments or payment requests in the following cases:

  1. Any misuse, fraud or abuse of any service by you;
  2. You have disclosed your security details to another person;
  3. Failed to follow any of the instructions set out in these conditions, your account terms and the User Guide for your account.


The content on Online Banking, including all registered and unregistered trade marks, constitutes our intellectual property rights. You may not establish a hyperlink, frame, meta tag or similar reference, whether electronically or otherwise (“linking”) to this website or any other subsidiary pages without our prior written consent, which consent is at our sole discretion.

You may apply to establish such a link by submitting your request to In the event that you have not heard from us within 5 (five) working days, please consider your request as having been rejected.


You agree that publishing a notice on our website or sending you a notice once you log into Online Banking, email, SMS or post will constitute sufficient notice to you.

Should you fail to raise an objection with us within 5 (five) hours after we sent you a notice (including by SMS) confirming a transaction or the changing of any setting on your accounts, you will be deemed to have accepted the transactions or new setting as being valid and binding in all respects.


We respect your privacy and your personal information. For this reason, we have prepared a Privacy Policy to let you know how we will treat any personal information that we may have about you. We will take all reasonable measures, in accordance with our Privacy Policy, to protect your personal information and to keep it confidential, even when you are no longer our Member.

If you call our helpline you permit us to record your calls for security reasons, Member care and to comply with various laws.


We may discontinue providing Online Banking or any of the products or services offered via the website at any time at our sole discretion. We will however, notify you of this within a reasonable time of these changes being made.


We subscribe to the code of Banking practice which will apply to our relationship with our Members who fall within the scope of the Code. This is governed by wakenya pamoja sacco society ltd.


If you wish to lodge a complaint, please notify us in writing by lodging a complaint using this e-mail address;

In the alternative, you can lodge a formal complaint at the nearest Branch by filling the requisite Form.

We will respond to your complaint as soon as possible. If you do not hear from us within 5 (five) working days from sending your complaint, we request that you contact us on +254746668190 to check whether your complaint has been received.


All legal notices relating to products must be delivered as provided for in the product agreements. Where such address is not specified, such notices must be sent to our Registered Address. We may send you legal notices to any of the addresses you have specified on any of your application/registration forms with us or at the address you actually work or live.


These terms are subject to the laws of the Republic of Kenya. Accessing Online Banking from another country may be an offence in that country. You agree that use of Online Banking outside Kenya will be at your own risk.


The headings appearing in these Terms are inserted for convenience only and will not be taken into account when interpreting these Terms.

Where dates and times need to be calculated in terms of these Terms, the international standard time (GMT) +3 (three) hours (Nairobi) will be used.



This is a legally binding agreement between you and Wakenya Pamoja Sacco Limited (Wakenya Pamoja Sacco) establishing the terms and conditions under which this web site may be used. Use of the online service implies that you accept these terms and conditions. If you do not accept these terms and conditions do not access this web site and do not use the online services.


Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Wakenya Pamoja Sacco Limited unless otherwise indicated. Wakenya Pamoja Sacco logo is the trademark.


The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Wakenya Pamoja Sacco’s web sites and systems including but not limited to unauthorized entry into Wakenya Pamoja Sacco’s systems, misuse of passwords, or misuse of any information posted on the site is strictly prohibited. Your eligibility for particular services is subject to final determination by Wakenya Pamoja Sacco.


The distribution of this website’s material may be restricted by law in certain jurisdictions. It is your responsibility to find out what those restrictions are and observe them.


The Sacco makes no representation or warranty of any kind, express, implied or statutory regarding this website or the materials and information contained or referred to on each page associated with this website. The material and information contained on this website is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this website should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.


Geographic, political, economic, statistical, financial and exchange rate data is presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the editors on certain external statistical data which, though believed to be correct, may not in fact be accurate.

Wakenya Pamoja Sacco accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, in reliance on material or information contained on this website in particular, no warranty is given that economic reporting information material or data is accurate reliable or up to date.


Wakenya Pamoja Sacco accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this website and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this website, its contents or associated services, or due to any unavailability of the website or any part thereof or any contents or associated services.


Please note that any software downloaded from this website is at your own risk and Wakenya Pamoja Sacco neither assumes nor accepts liability for any loss or damage, (whether direct or indirect), howsoever caused, as a result of any computer viruses, trojan horses, worms, software bombs or similar items or processes arising from your use of this website.


All information submitted to Wakenya Pamoja Sacco via this site shall be deemed and remain the property of Wakenya Pamoja Sacco. Wakenya Pamoja Sacco shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Wakenya Pamoja Sacco through this site. Wakenya Pamoja Sacco shall not be subject to any obligations of confidentiality regarding submitted information except specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Wakenya Pamoja Sacco’s responsibilities and obligations to Members in accordance with the Wakenya Pamoja Sacco privacy promise for consumers.


This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. by offering this site and information, or any products or services via this site, no distribution or solicitation is made by the Sacco to any person to use this site, or such information, products or services in jurisdictions where the provision of this site and such information, products and services is prohibited by law.


Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. in the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Use of this site shall be governed by all applicable laws of the Republic of Kenya.