Terms & Conditions

Terms of Use

Effective Date: April 2025

Welcome to Wihfocus.

These Terms of Use (“Terms”) govern your access to and use of our website, which provides insights on SACCOs, cooperatives, credit unions, fintech, and personal finance in Kenya and beyond.

By accessing or using this website, you agree to be bound by these Terms.

1. Use of the Website

Wihfocus provides educational and informational content only.

You agree to use this website:

• For lawful purposes only
• In a way that does not harm, disrupt, or misuse the platform

2. Not Financial Advice

All content published on Wihfocus:

• Is for general informational and educational purposes only
• Does not constitute financial, investment, legal, or professional advice

You are responsible for your financial decisions. Always consult a qualified professional before making financial commitments.

3. Privacy Policy

Your use of this website is also governed by our Privacy Policy.

4. Intellectual Property

All content on Wihfocus, including:

• Articles
• Graphics
• Branding

is the property of Wihfocus unless otherwise stated.

You may:

• Share content with proper credit

You may NOT:

• Copy, reproduce, or republish content for commercial purposes without permission

5. User Content

If you submit content (e.g., comments or messages):

• You grant us the right to use, display, and distribute that content
• You confirm that you have the right to share it

We reserve the right to remove content that violates these Terms.

6. Prohibited Use

You agree not to:

• Use the site for illegal activities
• Attempt to hack, disrupt, or overload the website
• Post harmful, abusive, or misleading content
• Use automated tools to scrape or copy content without permission

7. External Links

Wihfocus may contain links to third-party websites.

We do not control or guarantee:

• Their accuracy
• Their content
• Their privacy practices

Use them at your own discretion.

8. Affiliate Disclosure

Some links on Wihfocus may be affiliate links.

This means:

• We may earn a commission
• At no extra cost to you

9. No Warranties

This website is provided “as is”.

We do not guarantee:

• Accuracy or completeness of information
• That the site will always be available or error-free

10. Limitation of Liability

To the maximum extent permitted by law:

Wihfocus shall not be liable for:

• Financial losses
• Decisions made based on our content
• Any direct or indirect damages from using the site

11. Indemnity

You agree to indemnify and hold Wihfocus harmless from:

• Claims arising from your misuse of the website
• Your violation of these Terms

12. Governing Law

These Terms shall be governed by the laws of Kenya.

Any disputes arising shall be subject to the jurisdiction of Kenyan courts.

13. Changes to These Terms

We may update these Terms at any time.

Updates will be posted on this page with a revised effective date.

Continued use of the site means you accept the changes.

14. Contact Information

If you have any questions about these Terms, contact us:

Email: info@wihfocus.com