Terms of Use

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, together with our Privacy Policy. These terms constitute a legally binding agreement between you and HIFADHI SACCOS LTD.

If you do not agree with any part of these terms, you must immediately discontinue your use of our website. We reserve the right to update, modify, or change these Terms at any time, and your continued use of the website following the posting of any changes constitutes your acceptance of those changes.

This website is intended for use by individuals who are at least 18 years of age, as required by our Bylaws for membership eligibility. By using this website, you represent and warrant that you meet this age requirement.

For those seeking membership, the website provides information about our membership criteria, which is exclusively open to employees of TANAPA and staff of HIFADHI SACCOS LTD, as defined by our Common Bond. Membership applications are subject to review by our Board of Directors and approval by the General Meeting, in accordance with our Bylaws.

All content available on this website, including text, graphics, logos, images, documents, and software, is the exclusive property of HIFADHI SACCOS LTD and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, and non-transferable license to access and use the website for personal, non-commercial purposes only. You may download or print materials for personal reference, provided that you do not remove any copyright or proprietary notices.

You are strictly prohibited from reproducing, distributing, modifying, creating derivative works from, publicly displaying, or commercially exploiting any content from this website without our prior written consent.

When using our website, you agree to act responsibly and in compliance with all applicable laws and regulations. You are prohibited from engaging in any activity that may harm, disrupt, or interfere with the operation of the website or the rights of other users.

Specifically, you may not attempt to gain unauthorized access to any part of the website, servers, or systems; introduce viruses, malware, or other harmful code; use automated systems or bots to extract data; collect personal information of other users; impersonate any person or entity; or engage in any fraudulent or unlawful conduct.

Any violation of these prohibitions may result in termination of your access and may be reported to the relevant authorities.

While HIFADHI SACCOS LTD strives to ensure the accuracy and completeness of the information presented on this website, we make no warranties or representations regarding the accuracy, reliability, or completeness of any content. The information provided is for general informational purposes only and should not be relied upon as the sole basis for making financial or legal decisions.

For official and binding information, please refer to the Bylaws, policies, and official communications from the Society. We recommend that members contact our office directly for any specific inquiries or clarifications.

This website and all information, materials, and services provided through it are made available on an “as-is” and “as-available” basis. To the fullest extent permitted by law, HIFADHI SACCOS LTD disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and security.

We do not warrant that the website will operate uninterrupted, be error-free, or be free of viruses or other harmful components. Your use of the website is at your sole risk, and you assume full responsibility for any costs associated with your use of the website.

To the maximum extent permitted by applicable law, HIFADHI SACCOS LTD, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses.

This limitation applies whether the claim is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

You agree to indemnify, defend, and hold harmless HIFADHI SACCOS LTD and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your use of the website, your violation of these Terms of Use, your violation of any applicable laws or regulations, or your violation of the rights of any third party.

Our website may contain links to third-party websites or resources for your convenience and information. These links do not imply any endorsement by HIFADHI SACCOS LTD of the content, products, or services provided by such third parties.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. Your use of linked websites is subject to their own terms of use and privacy policies, and we encourage you to review them before providing any personal information.

These Terms of Use are governed by and interpreted in accordance with the laws of the United Republic of Tanzania. Any dispute arising out of or relating to these Terms or your use of the website shall be resolved in accordance with the dispute resolution mechanisms outlined in our Bylaws.

As provided in Section 73 of our Bylaws, any dispute concerning the affairs of the Society shall first be resolved through peaceful negotiations and amicable settlement. If the dispute remains unresolved within thirty days, it shall be referred to the Registrar of Cooperatives for conciliation. The decision of the Registrar or the General Meeting, as applicable, shall be final.

HIFADHI SACCOS LTD reserves the right, in its sole discretion, to terminate or suspend your access to all or any part of the website, with or without notice and without liability, for any reason, including but not limited to your breach of these Terms of Use.

Upon termination, your right to use the website will immediately cease, and you must destroy any materials you have obtained from the website.

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and HIFADHI SACCOS LTD regarding your use of the website and supersede all prior agreements.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.