This website is provided for general information about Prady Cooperative Suite, its products, governance, and digital services. You may browse pages, use permitted tools, and submit inquiries or membership interest forms for legitimate purposes.

You agree not to:

• Use the website for unlawful, fraudulent, or abusive activity
• Attempt to gain unauthorised access to systems, accounts, or data
• Submit false, misleading, or harmful information through forms
• Interfere with website availability or security controls

We may suspend access or remove content that violates these terms or threatens member or system security.

Text, graphics, logos, product descriptions, governance materials, and downloadable documents on this website are owned by Prady Cooperative Suite or used with permission, unless otherwise stated.

You may view and download materials for personal reference or legitimate membership and business purposes. You may not reproduce, republish, or commercially exploit website content without written permission.

Member stories, articles, and educational content are provided for informational purposes and may not be copied out of context or presented as official regulatory filings.

Online calculators — including loan eligibility, savings projection, and share capital tools — produce estimates only. They do not constitute a loan offer, savings contract, dividend guarantee, or membership approval.

Calculator outputs depend on the information you enter and simplified assumptions. Actual products are subject to:

• Membership status and product eligibility rules
• Credit appraisal, savings history, and guarantor requirements
• Board-approved rates, fees, and policies in force at the time of application
• Regulatory and internal risk limits

Always confirm final figures with member services before making financial decisions.

Loan checker and similar pre-qualification tools provide indicative guidance only. A result such as "likely", "possible", or "review" does not guarantee approval or disclose the final amount, rate, or repayment schedule.

All credit decisions follow cooperative credit policy, documentation review, and authorised approval workflows. Declined or modified applications will be communicated through official channels.

Forms, guides, policies, and reports available in our Download Center and governance sections are provided for convenience.

• Downloaded PDFs and documents may be updated without notice; check the publication date or version where shown.
• Sample or placeholder documents are labelled as such and are not substitutes for executed agreements.
• Official membership and loan contracts are issued only through approved SACCO processes.

We strive to keep website information accurate and current, but content may contain errors or become outdated. The website is provided "as is" without warranties of uninterrupted access or complete accuracy.

To the fullest extent permitted by law, Prady Cooperative Suite is not liable for losses arising from reliance on website estimates, third-party links, temporary unavailability, or unauthorised use of information you submit if caused by your breach of these terms.

Nothing in these terms limits rights you may have under applicable consumer or cooperative law, or under a formal contract signed with the SACCO.