I, hereby acknowledge, that I have read and understood the Sacco’s Data Privacy Notice and General Terms and
Conditions, as well as applicable laws and regulations of Data Protection in Kenya. I understand how my personal
data will be collected, processed, stored, and used by the Sacco and its authorized entities. By signing this
acknowledgment, I consent to the lawful processing of my data by the Sacco and recognize my rights regarding
access, correction, deletion and transfer of my personal information. I also acknowledge that the Sacco has taken
appropriate measures to ensure the security and confidentiality of my data.

Admission Info Membership:
An applicant shall be admitted to membership but shall not qualify
for the rights and privileges of membership until he/she has paid: -
a) An entrance fee of KShs. 1000=
b) Have a minimum Share Capital of KShs. 40,000/=.
c) The minimum monthly contribution shall be 3,000 and shall be
fixed by the General Meeting from time to time.
d) The society shares shall be non-refundable
e) Refusal of admission: The Board may refuse admission to a person
after assigning reasons for their decision. Such a person shall
have the right to appeal to the next Annual General Meeting as
provided in the Act through a registered member.
f) If a dispute arises at the time of a member's death, the proceeds
shall be paid to the Public Trustees.
g) A person of either gender shall be eligible for membership and
should possess the following qualifications:
■ Is at least 18 years of age.
■ Has not been convicted of a criminal offence
involving fraud or dishonesty.
■ Is within the field of membership as approved in
the member policy.
h) All members will automatically have a FOSA account upon
registration. The Minimum balance for FOSA account shall be
KSh.500
Cessation Of Membership:
Membership of the society shall cease with effect from the date of a member’s:
a) Death
b) Voluntary Withdrawal.
c) Expulsion from society
d) Becoming certifiably insane
e) Transfer of shares
f) Being declared bankrupt in a court of law.
g) Ceasing to hold qualifications of members as stated in these by-laws
Withdrawal from the society:
A member may at any time withdraw from the society by giving a written notice of
sixty (60) days, such member may re-apply for re-admission subject to the following
conditions, (a) He pays a registration fee of KShs. 1,000/- (One thousand shillings), (b)
Nobody will be allowed to withdraw from the Society before clearing all loan
balances if any.
Expulsion; *
A member may be expelled or suspended by the General Meeting; Subject to the
grounds of expulsion contained in the Act, a member may be expelled on the
following grounds: -
a) Where his/her activities are detrimental to the society's interest particularly if he
makes consciously untrue statements to the Board, the Supervisory committee or
the Ad hoc Committee or the Annual General Meeting.
b) Where a member fails to fulfill any of his obligations to the society as required by
the applicable law.
c) If he is convicted in a court of law of a criminal offence involving dishonesty or
fraud or is imprisoned for a period of three months or more.
d) Acts in any manner prejudicial or detrimental to the interest of the society.

Definition Of Terms:
“QONAPAY" refers to the mobile banking solution service.
“PIN" means any confidential password, code, or number normally four
digits which may be used to access the QONAPAY services.
‘Transaction Fees” These are the QONAPAY transaction services charges.
“24hr Service Hotline" Refers to the telephone number that will be
provided for QONAPAY customers in case of any queries related to
QONAPAY services.
"Subscriber" means a customer who subscribes to use QONAPAY service.
General Conditions
Joint account. Children, Corporate, and School Fees
Accounts held jointly by two or more persons whose mandate is “any
sign” accounts that require more than one signatory will NOT be issued
with QONAPAY service.
Use of Personal Identification Number (PIN)
a) QONAPAY subscriber shall receive an SMS informing them of their
registration and PIN.
b) The Subscriber shall be required to Change the PIN before Using the
QONAPAY Services
c) The subscriber shall exercise due care to ensure the secrecy of the PIN
at all times and prevent use of PIN by any third party.
d) In case of a problem the SACCO may at any time cancel/stop the
service without notice or assigning any reason and without incurring
any liability to the subscriber until a solution is found.
Lost/stolen SIM card registered for QONAPAY service
a) If the subscriber loses his/her SIM card line registered with QONAPAY,
the subscriber must notify the SACCO immediately to block
QONAPAY service until the SIM card is replaced
b) The subscriber shall be liable in respect of any transactions instructions
affecting his/her SACCO account that is given with a valid PIN
c) If report of loss or theft of SIM card registered for QONAPAY service is
communicated by someone other than the subscriber SACCO shall
not be held liable for any damages thereto.
24 Hour Service Hotline
The 24hr service hotline is found on the SMS received when one is registered tor
QONAPAY service. Subscribers should keep the 24hr customer care number in
their mobile or frequently used telephone book.
Forgotten PIN
If a PIN is forgotten the subscriber is required to contact the SACCO to request
for a new PIN.
Cancellation, stoppage of QONAPAY service
a) The subscriber may at any time cancel or unsubscribe for QONAPAY service,
b) Payments made by means of QONAPAY service are irrevocable.
Charges
The SACCO shall levy charges for use of this service. The subscriber shall be
informed of such changes by notice.
Liability to the subscriber
Subject to the above terms and conditions of use, subscribers shall be fully liable
in respect of each transaction instruction.
Acts That Do Not Bind Either Party
Neither party shall be liable for failure or delay in the performance of its
obligations under this agreement to the extent that such failure or delay is
caused by matters beyond that party's reasonable control including but not
limited to network delays destructions arising out of war, rebellion, civilian
commotion, strikes, lockouts and or other acts or orders of any government
department, council or other of constituted body. Notice of these
circumstances shall be given to the other party as soon as possible. For so long
as performance of those obligation is suspended the other party may similarly
suspend performance of its obligation.
Amendment
These terms and conditions may be amended at any time by notice from the
SACCO to subscriber. The subscriber will be informed of such amendments by
notice at SACCO's branches. Any such amendments shall be deemed to be
effective and binding upon the subscriber upon publication of the notice.
Law
These terms and conditions shall be governed and construed under laws of the
republic of Kenya

I do authorize within the framework of the functioning of QONA SACCO that Email instructions (if opted for) will be
acted upon without any other written confirmation unless instructed otherwise.
In consideration of the SACCO acting in accordance with the terms of this indemnity, the Member undertakes to
indemnify the SACCO and to keep the SACCO indemnified against all losses, claims, actions, proceedings,
demands, damages, costs, and expenses incurred or sustained by the SACCO of whatever nature and howsoever
arising, out of or in connection with such notices, demands or other communications, provided only that the
SACCO acts in good faith, except where such losses, claims, actions, proceedings, demand, damages, costs and
expenses arise through the willful negligence of the SACCO.
Such instructions will only originate from the email address provided (a pre-specified email address) whose
instructions shall be complied with until otherwise advised in writing.
I confirm that I have read, understood, and complied with all the membership requirements as per the bylaws and
general terms and conditions, I confirm that the particulars I have given are correct and true to the best of my
knowledge.