USSD Loans

1. In these Terms and Conditions, the following words and expressions (save where the context requires otherwise) bear the following meanings;
2. 1. “Supakwik Auto” means a monthly loan to Supakwik business clients which will range from Ush 100,000 to 150,000 to be repayable on a weekly basis.
   2. “Premier Sente” means a two to three month loan product ranging from Ush 401,000 to 800,000 with the installment payable on a weekly basis.
   3. “Premier Advantage” means a three to six months loan product ranging from amounts of Ush 801,000 to 2,000,000 with the installment payable on a weekly basis.
   4. “Premier Express” means a three to twelve months loan product ranging from amount of Ush 2,001,000 to 5,000,000 with an installment payable on a monthly basis.
   5. “SME”, means a loan given to individuals doing business. The loan repayment is monthly basis for period within three to 36 months, with amounts ranging from Ush 10,001,000 to 130,000,000, and installment payable on a monthly basis.
   6. “SME Unsecured”means a three to twelve months loan product ranging from amount of Ush 5,001,000 to 10,000,000 with an installment payable on a monthly basis.
   7. “SME Secured” means a three to twenty four months loan product ranging from amount of Ush 10,001,000 to 130,000,000 with an installment payable on a monthly basis.
   8. “Civil Servant Salary Loan” means a loan to a civil servants with a maximum term of 96 months and minimum loan amount of Ush 100,000 and a maximum loan amount of Ush 30,000,000 based on one’s affordability payable on a monthly basis.
   9. “SME logbook Secured”, means a loan to business people whose security is a motor vehicle logbook with loan tenure of three to 18 months payable on a monthly basis with amounts ranging from Ush 2,000,000 to 30,000,000.
   10. “Personal Loans” means a loan to private sector employees with loan tenure of three to 12 months payable on a monthly basis with amounts ranging from Ush 100,000 to 10,000,000.
   11. “Personal Loans Logbook Secured” means a loan to private sector employees pledging their motor vehicle as collateral. The loan tenure is three to 12 months loan payable on a monthly basis with amounts ranging from Ush 100,000,000 to 30,000,000.
   12. “Premier Credit Limited” means a Limited company incorporated in Uganda with limited liability, duly incorporated in accordance with the laws of the Republic of Uganda, having its registered address at Kisozi Complex, Plot 8 Nakasero, Off Kyaggwe Road, and P.O.Box 6608, Kampala, Uganda.
   13. “Credit Reference Bureau” means a credit reference bureau duly licensed under the laws of Uganda to collect and facilitate the sharing of customer credit information;
   14. “Customer” means the person in whose name the Credit E Loan Account with the Premier Credit Limited is existing;
   15. “Customer Care Centre” means the help line whose number is 0200305000 and the number may be notified to the Customer by the Premier Credit Limited from time to time;
   16. “Premier Credit e loan account” means the electronic monetary value depicted in your PREMIER CREDIT LIMITED USSD LENDING PLATFORM representing an equal amount of cash.
   17. “Equipment” includes your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Network.
   18. “Request”means a request or instruction received by Premier Credit Limited from you or purportedly from you through the Network and the System and upon which the Premier Credit Limited is authorized to act;
   19. “Services” shall include any form of micro financing services or products that the Premier Credit Limited may offer you pursuant to this Agreement and as you may from time to time subscribe to and “Service” shall be construed accordingly;
   20. “SIM Card” means the subscriber identity module which when used with the appropriate mobile phone handset enables you to access the Network and to use the PREMIER CREDIT LIMITED USSD LENDING PLATFORM System;
   21. “SMS” means a short message service consisting of a text message transmitted from one mobile phone to another;
   22. “System” means the Premier Credit Limited’s electronic micro financing and communications software enabling the Customer to communicate with the Premier Credit Limited for purposes of the Services.
   23. “Transaction Fees” includes the Facility Fee (as defined at clause 5.8.12), the Rollover Fee (as defined at clause 5.8.14) and any other fees and charges payable for the use of the Services as published by the Premier Credit Limited on its website. Transaction Fees are subject to change at any time at the Premier Credit Limited sole discretion.
   24. “We,” “our,” and “us,” means the Premier Credit Limited and includes the successors and assignees of the Premier Credit Limited.
   25. “You” or “your” means the Customer and includes the personal representatives of the Customer.
   26. The word “Customer” shall include both, the masculine and the feminine gender as well as juristic persons.
   27. USSD (Unstructured Supplementary Service Data) is a Global System for Mobile (GSM) communication technology that is used to send text between a mobile phone and an application program in the network. The platform that Premier Credit Limited uses to deliver the digital lending services.
3. Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
4. Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.

1. Before applying to open the Premier credit e loan Account you should carefully read and understand these Terms and Conditions which will govern the use and operation of the Account.
2. If you do not agree with these Terms and Conditions, please click “Decline”
3. You will be deemed to have read, understood and accepted these Terms and Conditions:-
   1. upon clicking on the “Accept” option on the Menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or
   2. By using or continuing to use and operate the Premier Credit e loan Account.
4. By applying to open the Premier Credit e loan Account with the Premier Credit Limited, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Premier Credit Limited may have with respect to the Account in law or otherwise.
5. These Terms and Conditions may be amended or varied by the Premier Credit Limited from time to time and the continued use of your Premier Credit e loan account constitutes your agreement to be bound by the terms of any such amendment or variation.
6. You acknowledge and accept that the Premier Credit Limited offers the “Premier Credit e loan account” only electronically and you agree to do business with the Premier Credit Limited and to operate the “Premier Credit e loan account” only by electronic means via the “Premier Credit e loan account” Menu on the PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT System. Any query and complaint you may have relating to the Services shall be addressed to the Premier Credit Limited through the Customer Care Help line. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the “Premier Credit e loan account” at any branch or branches of the Premier Credit Limited unless otherwise advised by the Premier Credit Limited in its sole discretion. You further acknowledge and accept that the Customer Care Centre is not a branch of the Premier Credit Limited or the Premier Credit Limited’s Agent for purposes of conducting micro financing business or transactions and that it will not act as such.

1. In order to open a Premier Credit e loan account, you must be at least 18 years old and a registered and active PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT Subscriber. Premier Credit Limited reserves the right to verify the authenticity and status of your PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT.
2. You may open a “Premier Credit e loan account” solely by way of an electronic application made by you using your mobile phone via the “Premier Credit e loan account” by dialing a USSD Code *271#
3. You hereby agree and authorize the Premier Credit Limited to request the telecom companies for your personal information held by them pursuant to the agreement between you and telecom companies for the provision of services and products and the PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT Service including your phone number, name, date of birth, ID, NIN, IPPS or Passport Number and such other information that will enable the Premier Credit Limited to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Premier Credit Limited to request telecom companies for information relating to your use of the PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT Service and PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT System as the Premier Credit Limited shall require for purposes of providing you the Services (“PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT Information”). You hereby consent to the disclosure of the Personal Information and the PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT Information by telecom companies to the Premier Credit Limited and to the aforesaid use of the Personal Information and the PREMIER CREDIT LIMITEDUSSD LENDING PLATFORM/ACCOUNT Information by the Premier Credit Limited.
4. The Premier Credit Limited reserves the right to request for further information from you pertaining to your application for a “Premier Credit e loan account” Account at any time. Failure to provide such information within the time required by the Premier Credit Limited may result in the Premier Credit Limited declining to accept your application for a “Premier Credit e loan account” Account.
5. Acceptance by the Premier Credit Limited of your application for a “Premier Credit e loan account” Account shall be done via SMS sent to the Mobile Phone Number associated with your PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT You acknowledge and accept that the acceptance by the Premier Credit Limited of your application for a “Premier Credit e loan account” Account does not create any contractual relationship between you and telecom companies beyond the terms and conditions that apply to your PREMIER CREDIT LIMITED USSD LENDING PLATFORM/ACCOUNT from time to time.
6. The Premier Credit Limited reserves the right to decline your application for a “Premier Credit e loan account” or to revoke the same at any stage at the Premier Credit Limited’s sole discretion and without assigning any reason thereto.

TERMS & CONDITIONS FOR SUPAKWIK AUTO

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to an amount of Uganda Shillings One Hundred Thousand (100,000 to 150,000/=) one hundred and fifty thousand or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”). With appraisal fee of 15% deducted at the point of disbursement.
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within a month through four equal weekly installments from the date of disbursement of the Loan.

TERMS & CONDITIONS FOR PREMIER SENTE LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings Four Hundred one Thousand (Ushs. 401,000/=) and a maximum amount of(Ushs. 800,000/=), With processing fees of 7.5% capitalized and interest of 10% reducing balance and loan guarantee fund of 10% of the approved loan amount and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within two to three months on a weekly installment basis.

TERMS & CONDITIONS FOR PREMIER ADVANTAGE LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 801,000/=) and a maximum amount of (Ushs. 2,000,000/=), With processing fees of 7.5% capitalized and interest of 5% reducing balance and loan guarantee fund of 15% of the approved loan amount and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within three to six months on a weekly installment basis.

TERMS & CONDITIONS FOR PREMIER EXPRESS LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 2,001,000/=) and a maximum amount of (Ushs. 5,000,000/=), With processing fees of 5.5% capitalized and interest of 6.6 % reducing balance per month and loan guarantee fund of 15% and 20% of the approved loan amount and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The Borrower must repay the loan in the installments as advised based on the product
   applied.
5. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
6. You shall repay the Loan within three to twelve months on a monthly installment basis.

TERMS & CONDITIONS FOR SME UNSECURED LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 5,001,000/=) and a maximum amount of 10,000,000/=), With processing fees of 7.5% capitalized and interest of 5% reducing balance and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within three to twelve months on a monthly installment basis.

TERMS & CONDITIONS FOR SME SECURED LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 10,001,000/=) and a maximum of 50,000,000/=), With processing fees of 7.5% deductable and interest of 5% reducing balance and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within three to twelve months on a monthly installment basis.

TERMS & CONDITIONS FOR SME LOGBOOK SECURED LOAN

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 2,000,000/=) and a maximum amount of Uganda Shillings(Ushs. 30,000,000/=), With processing fees of 7.5% capitalized and interest of 3% flat rate and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The product is subjected to tracking, valuation of property and insurance.
5. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
6. You shall repay the Loan within three to twelve months on a monthly installment basis.

TERMS & CONDITIONS FOR CIVIL SERVANT SALARY LOAN

WHEREAS you (hereinafter referred to as the borrower) have applied to PREMIER CREDIT LIMITED for the loan facility described above and Premier Credit has agreed to grant the loan facility, it is hereby agreed as follows:

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271# and follow the prompts.
2. The minimum loan amount is 100,000 (one hundred Thousand, and maximum amount is 30,000,000 payable on a monthly basis, appraisal fees of 12.5% capitalized, 6,000 admin fees, 10,000 application fees and interest rate, as in the table below;
3. The total monthly interest rate chargeable is calculated at flat rate on the total principal amount which includes capitalized appraisal fees. The interest rate per month subject to loan term is as follows:
   

   Term in Months	85-96	73-84	61-72	49-60	37-48	25-36	13-24	3-12
   3.3000%	3.5187%	3.5187%	3.5187%	3.810%	4.7716%	5.6564%	6.5491%

4. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
5. At the Borrower’s request, Premier Credit Limited agrees to make available to the Borrower the advised loan amount on the terms and conditions set out.
6. The Borrower must repay the loan in the installments as advised based on the product applied.
7. 0 should be handed to an employee of Premier Credit Limited and Premier Credit Limited shall not take ANY responsibility for money paid to any of its employees.
8. Upon applying for the loan via our USSD Code *271# our Customer call center team and field team shall immediately reach out to you to finalize the loan process as appropriate if you are a new customer.
9. Your loan shall be disbursed through the Bank account that you shall have provided and which your salary is credited to on a monthly basis or your registered mobile phone number that you will have provided.
10. By dialing our short code *271# and accepting the Terms and Conditions thereon, you authorize Premier Credit Limited to proceed and reserve your affordability on the PCA Platform as the loan processing is finalized in respect to Civil Servant Salary loan product.
11. You shall repay the Loan within the set term from the date of disbursement of the Loan as stipulated in the menu that you will have chosen.
12. In consideration of the Premier Credit Limited granting you the Loan, you shall pay the Premier Credit Limited an Appraisal fee, Interest and any other applicable charge that you shall be advised at loan application as appropriate.
13. You shall make all payments due from you to the Premier Credit Limited in respect of the Loan and Transaction Fees through Mobile money, payroll deduction or deposit to Premier Credit Limited bank account as appropriate.
14. In the event that you do not repay the Loan in full within thirty (30) calendar days of the date of disbursement of the Loan, the Premier Credit Limited will automatically roll over any outstanding amount in respect of the Loan including the Facility Fee and interest for a further period of thirty (30) calendar days.
15. In consideration of the Premier Credit Limited for bearing to demand the immediate payment of the outstanding amount due in respect of your Loan and rolling over the same pursuant to Clause 5.8.13, you shall, in addition to paying the outstanding amount in respect of the Loan any outstanding Facility Fee, pay to the Premier Credit Limited a roll-over of the outstanding amount in respect of the Loan (the “Roll-Over Fee”).
16. Premier Credit Limited shall be entitled to terminate this Agreement and close your “Premier Credit e loan account” Account in accordance with the provisions of Clause 13 without prejudice to any of its rights accruing hereunder if you fail to repay the Loan and/or the Transaction Fees due thereon within sixty (60) calendar days of the disbursement of the Loan if the loan is not performing (being repaid on time).
17. Premier Credit Limited shall hold any of your funds in your “Premier Credit e loan account” security deposit Account as collateral and security for any amounts outstanding and due from you to the Premier Credit Limited in respect of your “Premier Credit e loan account” Loan Account. You hereby agree and confirm that the Premier Credit Limited is entitled in its discretion to prevent or restrict you from withdrawing in whole or in part the funds in your “Premier Credit e loan account” security deposit Account for as long as and to the extent of the amount outstanding in respect of your “Premier Credit e loan account” Loan Account without the Premier Credit Limited giving any notice to you and/or without incurring any liability to you whatsoever in that connection.
18. Premier Credit Limited reserves the right to vary the terms of the Loan including the fees and interest payable thereon from time to time having regard to the prevailing rules and regulations of Uganda and the policies of the Premier Credit Limited.
19. Premier Credit Limited shall have a right of lien and set off over funds held by you in your “Premier Credit e loan account” security deposit Account, any other “Premier Credit e loan account” Account held by you and/or any other account held by you in the Premier Credit Limited.

You hereby expressly consent and authorize the Premier Credit Limited to disclose, respond, advise exchange and communicate the details or information pertaining to your “Premier Credit e loan account” to Credit Reference Bureaus as appropriate under the applicable laws of Uganda.

1. As a prequalified customer, you may subject to these Terms and Conditions, apply for a loan from Premier Credit Limited by dialing short code *271#.
2. Where you apply for a loan from Premier Credit Limited, your application shall be appraised according to the applicable loan appraisal processes of the Institution. The Institution reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan based on the appraisal.
3. Subject to approval of your application for a loan the institution shall disburse to you a loan of an amount to be determined by the institution in its sole discretion subject to a minimum amount of Uganda Shillings (Ushs. 10,001,000/=) and a maximum of 130,000,000/=), With processing fees of 5% deductible at disbursement and interest of 5% reducing balance and 10,000 loan application fees or such other minimum or maximum amount as the institution may from time to time in its sole discretion determine (the “Loan limit”).
4. The proceeds of the Loan shall be credited into your PREMIER CREDIT LIMITED USSD LENDING PLATFORM or mobile phone number provided at registration subject to any deductions on account of applicable Transaction Fees.
5. You shall repay the Loan within three to thirty six months on a monthly installment basis.
6. The instalments shall be repaid by mobile money to Premier Credit Limited by dialing (*185*5#, input number 13, enter amount, customer reference number, select 1 to confirm payment, enter PIN) AIRTEL) and for MTN (Dial *165*4*4#, Enter Merchant code-type PCL, Enter customer reference number, enter amount, PIN.

1. In consideration of the Premier Credit Limited complying with your instructions or Requests in relation to the “Premier Credit e loan account” Account, you undertake to indemnify the Premier Credit Limited and hold it harmless against any loss, charge, damage, expense, fee or claim which the Premier Credit Limited suffers or incurs or sustains thereby and you absolve the Premier Credit Limited from all liability for loss or damage which you may sustain from the Premier Credit Limited acting on your instructions or requests or in accordance with these Terms and Conditions.
2. The indemnity in clause 12.1 shall also cover the following;
   1. All demands, claims, actions, losses and damages of whatever nature which may be brought against the Premier Credit Limited or which it may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, Pandemic, riots, acts of vandalism, sabotage, terrorism, any other event beyond the Premier Credit Limited’s control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any request received by the Premier Credit Limited.
   2. Any loss or damage that may arise from your use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs.
   3. Any unauthorized access to your “Premier Credit e loan account” Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment.
   4. Any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by the Premier Credit Limited as a consequence of any breach by these Terms and Conditions.
   5. Any damages and costs payable to the Premier Credit Limited in respect of any claims against the Premier Credit Limited for recompense for loss where the particular circumstance is within your control.

1. You may contact Customer Care Center to report any disputes, claims or “Premier Credit e loan account” Account discrepancies by sending an email to; info@premiercredit.co.ug or call our customer center number +256 200 305 000.
2. Any dispute arising out of or in connection with this Agreement that is not resolved by Uganda Customer Care Centre representatives shall be referred to arbitration by a single arbitrator to be appointed by agreement between the parties or in default of such agreement within 60 days of the notification of a dispute, upon the application of either party, by the Chairman of the Centre for Arbitration and Dispute Resolution who shall be the final appointing authority.
3. Such arbitration shall be conducted in the English language in Kampala in the Republic of Uganda under the provisions of the Arbitration and Conciliation Act, Cap 4 as amended from time to time.
4. To the extent permissible by Law, the determination of the Arbitrator shall be final, conclusive and binding upon the parties hereto.
5. This Agreement shall be governed by and construed in accordance with the laws of the Republic of Uganda.