Terms of Service

By accessing and using the VICOBA Management System, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, you should not use our service.

VICOBA Management System is a digital platform designed to help community savings groups manage their financial operations. Our services include:

• Member management and registration
• Contribution and savings tracking
• Loan management and approval workflows
• Meeting scheduling and record keeping
• Financial reporting and analytics

As a user of our service, you agree to:

• Provide accurate and complete information when registering your account
• Maintain the security of your login credentials
• Use the service only for legitimate VICOBA group management purposes
• Comply with all applicable laws and regulations
• Respect the privacy and rights of other users
• Not attempt to gain unauthorized access to our systems

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy. By using our service, you consent to the collection and use of your information as described in the Privacy Policy.

For paid plans:

• Subscription fees are billed in advance on a monthly or annual basis
• All fees are non-refundable unless otherwise stated
• We reserve the right to change our pricing with 30 days notice
• Your subscription will automatically renew unless cancelled
• Late payments may result in service suspension

While we strive to maintain high service availability, we cannot guarantee uninterrupted access to our platform. We may perform maintenance, updates, or modifications that may temporarily affect service availability. We will provide reasonable notice for planned maintenance when possible.

VICOBA Management System shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, profits, or business interruption, arising from your use of our service. Our total liability shall not exceed the amount paid by you for the service in the 12 months preceding the claim.

The VICOBA Management System platform, including its software, content, and trademarks, is owned by us and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our platform without our explicit written consent.

Either party may terminate this agreement at any time. We reserve the right to suspend or terminate your access to our service for violation of these terms or for any other reason at our discretion. Upon termination, your right to use the service ceases immediately.

We reserve the right to modify these terms at any time. We will notify users of any significant changes via email or through our platform. Continued use of our service after changes are made constitutes acceptance of the new terms.

These terms shall be governed by and construed in accordance with the laws of Tanzania, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Tanzania.

If you have any questions about these Terms of Service, please contact us at:

• Email: legal@vicoba.com
• Phone: +255 123 456 789
• Address: Dar es Salaam, Tanzania