Last Updated: March 12, 2025

Welcome to Family Bank Ltd (“we,” “us,” or “our”). By accessing our website and using our services, you agree to comply with the following Terms and Conditions. Please read them carefully.

1. Definitions

  • Member – An individual or entity registered with Family Bank Ltd.
  • Services – Any financial, savings, loan, or investment products offered by Family Bank Ltd.
  • Website – Our official website [Insert Website URL].

2. Membership Eligibility

To become a member, you must:

  • Be at least 18 years old.
  • Provide accurate personal and financial information.
  • Agree to abide by the bank’s constitution and policies.

3. Use of Website

  • You must use the website lawfully and ethically.
  • Unauthorized access, data scraping, or attempting to breach security is prohibited.
  • We reserve the right to suspend or terminate access if misuse is detected.

4. Financial Services

  • Members can access various financial services such as savings accounts, loans, and investment opportunities.
  • Loan approval is subject to creditworthiness, collateral (if applicable), and compliance with bank policies.
  • Interest rates, repayment terms, and penalties for late payment are detailed in the loan agreements.

5. Privacy and Data Protection

  • We collect and process personal data in compliance with data protection laws.
  • Members’ personal and financial information will not be shared with third parties without consent, except as required by law.
  • We use secure encryption to protect online transactions.

6. Fees and Charges

  • Certain services may attract fees, which will be communicated before engagement.
  • Members are responsible for ensuring timely payments to avoid penalties.

7. Liability Disclaimer

  • We do not guarantee uninterrupted access to our website or services.
  • We are not liable for losses due to system downtime, cyberattacks, or user errors.
  • Members must report unauthorized transactions immediately.

8. Termination of Membership

  • Members can voluntarily terminate their membership by submitting a written notice.
  • Family Bank Ltd reserves the right to terminate membership for fraud, non-compliance, or misuse of services.

9. Intellectual Property

  • All website content, including logos, text, and images, is our property and cannot be used without permission.

10. Amendments to Terms

  • We reserve the right to update these Terms and Conditions. Changes will be posted on the website and take effect immediately.

11. Governing Law

  • These Terms are governed by the laws of [Insert Country/Region]. Disputes will be resolved through mediation or legal proceedings within the jurisdiction of [Insert Court or Region].

12. Contact Information

For inquiries or complaints, contact us at:

  • Email: info@familysacco.co.ke
  • Phone: +254 792 789 217
  • Address: Muindi Mbingu Street, Family Bank Towers, 10th Floor

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

Family Bank Ltd reserves all rights to enforce these Terms and Conditions as deemed necessary.