Terms & Conditions

1. Introduction

Welcome to Miracle Centre Churches Community Cooperative Society Limited (MCCC SACCO). By accessing our website and utilizing our services, you agree to comply with and be bound by the following terms and conditions. If you do not agree with any part of these terms, please refrain from using our website.

2. Definitions

• “MCCC SACCO” refers to Miracle Centre Churches Community Cooperative Society Limited.
• “Member” refers to an individual who has fulfilled the membership requirements of MCCC SACCO.
• “Services” encompass all products and services offered by MCCC SACCO through its website and physical branches.

3. Eligibility and Membership

3.1 Membership Requirements

To become a member of MCCC SACCO, applicants must:

• Complete and submit the official membership application form.
• Provide valid identification documents as specified by MCCC SACCO.
• Pay the requisite membership fee and an initial deposit as determined by MCCC SACCO.

3.2 Membership Obligations

Members are expected to:

• Adhere to MCCC SACCO's bylaws and policies.
• Maintain the minimum monthly deposit as required by MCCC SACCO.

4. Collection and Use of Personal Information

4.1 Data Collection

We collect personal information, including but not limited to:

• Full name
• Contact details (email address, phone number)
• National identification number

4.2 Purpose of Data Collection

This information is collected to:

• Process membership applications.
• Manage member accounts and provide services.
• Communicate with members regarding SACCO activities and updates.

4.3 Data Protection

MCCC SACCO is committed to protecting members' personal information and will not disclose it to third parties without the board's consent, except as required by law.

5. Account Management

5.1 Account Opening

Members may open various types of accounts offered by MCCC SACCO, subject to specific terms and conditions for each account type.

5.2 Deposits and Withdrawals

Members can make deposits and withdrawals in accordance with MCCC SACCO's operational procedures. Certain transactions may be subject to fees as outlined in the fee schedule.

5.3 Statements

Members are responsible for reviewing their statements and reporting any discrepancies within 30 days of receipt.

6. Electronic Services

6.1 Online Banking

MCCC SACCO may offer online banking services to facilitate account management. Members agree to use these services responsibly and maintain the confidentiality of their login credentials.

6.2 Transaction Notifications

Members may receive electronic notifications for transactions. It is the member's responsibility to ensure that contact information is up to date to receive such notifications.

7. Fees and Charges

7.1 Changes to Fees

MCCC SACCO reserves the right to modify fees and charges. Members will be notified of any changes at least 30 days prior to implementation.

8. Member Responsibilities

Members agree to:

• Provide accurate and truthful information.
• Notify MCCC SACCO promptly of any changes to personal information.
• Use MCCC SACCO services for lawful purposes only.

9. Limitation of Liability

MCCC SACCO will exercise reasonable care in providing services to members. However, MCCC SACCO shall not be liable for any losses or damages resulting from:

• Unauthorized access to member accounts unless due to MCCC SACCO's negligence.
• Interruptions in service due to circumstances beyond MCCC SACCO's control.
• Errors or omissions in information provided on the website.

10. Amendments to Terms and Conditions

MCCC SACCO reserves the right to amend these terms and conditions at any time. Members will be notified of significant changes through info@mcccsacco.com. Continued use of MCCC SACCO services after such notifications constitutes acceptance of the amended terms.

11. Governing Law

These terms and conditions are governed by the laws of Uganda. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of Uganda.

12. Contact Information

For inquiries or concerns regarding these terms and conditions, please contact us at:

• Email: info@mcccsacco.com
• Phone: +256 769676126 / +256 200999830
• Address: Plot 713, off Nabunya Road – Rubaga, Uganda.