1. The dfcu Bank ‘Win-Win’ Salary Loan Campaign runs from 14^th March 2022 to 31^st May 2022
2. Lucky winners of the ‘Win- Win’ campaign stand a chance to win loan repayments capped at UGX 10 million. The loan repayment applies only to new loans and/or top up loans taken during the campaign period. Running (already existing) loans are not eligible for the campaign reward.
3. All loans are offered at the sole discretion of dfcu Bank and as per the current credit policies governing the respective products.
4. If you are an existing dfcu Bank customer and you are currently in default on a facility from dfcu Bank, then you will not be eligible to apply for the discounted interest rate loans advertised in the ‘Win-Win’ loan campaign.
5. By participating in this campaign, you release dfcu Bank and hold it harmless from any and all losses, damages, rights, claims, liabilities and actions of any kind in connection with the Bounce Back promotion including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
6. For Bbuyoffs, arrangement fees shall not apply on loan amounts applied for.
7. These Win-Win campaign terms and conditions (“Win-Win Terms”) are supplementary to dfcu Bank’s standard terms and conditions applicable to the advertised products (“Standard Terms”). To the extent of any inconsistency between the Win-Win Terms and the Standard Terms, these Win-Win Terms will prevail.
8. The reduced promotional interest rate being offered during the Win-Win campaign is applicable only on new loans and on top up loans. These rates do not apply on your existing loan (if any with the Bank) if you do not wish to apply for new or top up loan.
9. All Loan rates are variable interest rates. Sale rates applicable only for new and Top-up loans. Interest rates are variable, pegged to the Prime Lending Rate and subject to change in line with the prevailing market conditions.
10. Immediate family members or distant relatives of an employee of dfcu Bank are not eligible to participate.
11. dfcu Bank reserves the right to amend the General Terms at any time. You are encouraged to check the dfcu Bank website regularly for any such changes.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund.

DOWNLOAD THE RISING WOMAN PROPOSAL WRITING GUIDELINE FORM HERE: https://bit.ly/3N7hiIj 

About Rising Woman

Monitor Publications Limited’s (MPL) flagship brand Daily Monitor in partnership with dfcu Women in Business Program and Uganda Investment Authority-UIA are running the fifth season of the Rising Woman campaign. The objective of the campaign includes recognizing, celebrating, and promoting a culture of mentorship among women in business in Uganda.

Several activities including countrywide power talks, mentorship programs, business advisory caravan are lined up. But that’s not all, an all-expenses paid study trip to Nairobi for the top 10 winners and cash prizes of up to UGX 30 million is up for grabs for the top 3 winners. Women entrepreneurs are therefore urged to send in their project proposals following the guidelines herein to stand a chance to win the study tour trip and cash prizes.

 

Who qualifies?                                                  

Registered businesses in the following categories:

1. Business/trading women, Agribusiness, 3. Small scale investors & Other consumer services those offering Education services, hospitality, Events management, Transport etc

Note: The business must be 50% owned by a woman/women and domicile in Uganda.

 

Where to pick up the guideline forms

• Download forms from dfcugroup.com, any dfcu branch, UIA offices or Daily Monitor offices.

 

How to submit

• Drop 2 fully signed hard copies at any of the dfcu branch, UIA offices or Daily Monitor offices OR
• Email to womeninbusiness@dfcugroup.com

 

Prizes to win

1. UGX10 Million for top winners in each category – Agribusiness Value addition, Manufacturing & Consumer services, Digital Innovation & Ecommerce
2. An all-expenses study tour trip in Nairobi for the top 10 proposals.

 

Deadline: Thursday 30^th June 2022

Contact Persons:  dfcu Bank -0800222000 or Joshua – 0701-770983

 

Terms & Conditions

Participation in the Proposal Writing Competition

1. The competition is only open to female entrepreneurs of adult age.
2. Participants shall be female entrepreneurs who individually or jointly own at least 50% of a business that is formally registered and domicile in Uganda.
3. Female entrepreneurs who work with any of the sponsoring partners are not eligible to participate.
4. Proposals shall follow the format provided in the proposal writing guideline form which is available on the dfcu website, all dfcu branches, Daily Monitor offices and all UIA offices. Proposals that do not meet the requirements provided therein shall not be allowed.
5. Proposals shall be submitted by delivering 2 hard copies at any dfcu branch, Daily Monitor office or UIA office. Submission may also be done online by sending an email womeninbusiness@dfcugroup.com.
6. Submission of Proposals will close on Friday, 29^th July 2022 at midnight (the “Closing Date”).
7. Proposals will be reviewed and evaluated by a panel of Judges whose decision will be final.
8. The Top 20 Participants with the best evaluated proposals shall each be required to make a personal presentation before a panel of Judges who shall then select the top 10 proposals where the Top three will emerge from.
9. Participants may be required to get involved in various media engagements (on TV, Radio, Print and Online) and their stories may be shared with the general public on the platforms selected by dfcu, Daily Monitor and Uganda Investment Authority. Each participant shall be deemed to have consented to being part of such media engagements by submitting their application.
10. The top 10 winners from the previous Rising Woman seasons are not eligible.

 

Rising Woman Business Trainings and caravans

1. The competition is only open to female entrepreneurs of adult age.
2. Participants shall be female entrepreneurs who individually or jointly own at least 50% of a business that is formally registered and domicile in Uganda.
3. Participants in Kampala shall register for the training at any dfcu Branch, Daily Monitor office or UIA office.
4. Participants from outside Kampala shall register with the District Commercial Officer.
5. The training will be conducted in various sessions across the country. Details of the sessions can be obtained from the District Commercial Officer, any dfcu Branch, Daily Monitor office or UIA office.
6. Availability of seats at the training sessions will be on a first come basis.

The Organizers reserve the right to amend the General Terms at any time. Participants are encouraged to check the dfcu website regularly for any such changes.

 

Download the Proposal Writing Form here

dfcu Bank is supporting small businesses to recover and thrive

dfcu Bank has been at the forefront of transforming businesses in Uganda by providing affordable and flexible financing solutions. The Small Business Recovery Fund supports small businesses that have been affected by the Covid- 19 pandemic.

 

1. What is the Small Business Recovery Fund?

The dfcu Small Business Recovery Fund provides loans/credit to small businesses that have been adversely impacted by the COVID-19 pandemic but show potential for recovery if provided with the right financial support. Through the fund, dfcu provides affordable credit facilities to small businesses that have suffered financial distress arising from the knock-on effects of COVID-19 pandemic. This fund provides the much-needed liquidity to resuscitate such businesses.

 

2. Why should small businesses take up this funding?

The fund has been crafted to support small business customers get back on their feet.  The loan offer includes the following:

• A business can access up to UGX 100 million in financing
• There is no minimum loan amount
• The loans are offered at a discounted interest rate of 10% per annum, which is on a reducing balance.
• The fund is available to support all economic sectors such as Trade, Education, Real Estate, Services, Health etc.

 

3. What is the repayment period for these loans?

The loan repayment period is a minimum of 6 months and a maximum of 4 years, which includes a grace period of a maximum of 1 year depending on the nature of the project.

 

4. Who is eligible to access this funding?

The credit facility is available to small businesses under the following criteria:

• Small businesses operated by individuals, groups, partnerships and companies, employing between 5-49 people;
• Business with an annual turnover of UGX 10 million to UGX 100 million;
• The businesses should demonstrate capacity for recovery;
• A qualifying borrower can only access this financing once and there are no top-ups. This provides an opportunity to other eligible borrowers to access the much-needed financing;
• Agri-businesses or agricultural activities that are eligible under the Agricultural Credit Facility (ACF) and those that have already been financed under ACF are not eligible.

 

5. How can eligible customers access the fund?

To apply, customers can visit the nearest dfcu Bank Branch or contact their relationship manager. They can also reach us on 0800 222 000 or WhatsApp 0776 760760 for more information about the Small Business Recovery Fund.

 

1. What is the dfcu Mobi Loan?

dfcu Mobi loan is an automated loan solution available to individual customers on our internet banking platform. Customers are now able to access instant short-term loans, without the need for collateral, as well as make the loan repayment in the comfort of their homes/work premises.

 

2. Who is eligible to access this loan?

Currently the product is available to dfcu Bank customers and eventually, we expect to extend the same to other customers. Eligible customers with good, consistent account conduct and history can access the mobi loans.

 

3. What are the key product features?

The mobi loan is a short-term facility that helps customers to bring a temporary financial gap for emergencies that just can’t wait. The key features include the following:

 

• Minimum loan amount of Ushs 10,000/- and a maximum of Ushs 2,000,000/=
• Loan repayment period of 30 days
• One off repayment (bullet repayment) once the loan is due

• Comes with an option of early repayment with no penalties.

 

4. How does a customer qualify for a dfcu Mobi Loan?

 The key eligibility criteria include the following:

• Hold an active account where the client transacts often to obtain good turnover.
• Have held a personal account with dfcu Bank for at least 6 months.
• Have a clean credit history.

 

5. How do I make an application for a Mobi Loan?

 The loan is available on our digital Banking platforms. So, customers need to have signed up for dfcu internet Banking (Quick Banking) to start the process.

Login via

• Internet (https://internet.dfcugroup.com)
• dfcu Quick APP
• USSD *240#

Once logged in you select the mobi loan menu, then initiate a loan application and follow the prompts.

 

6. How long will it take to have the funds credited on my account?

Within five (5) minutes, funds will be credited on your account and an SMS notification sent to your phone confirming the disbursement with details of the loan amount and date of expiry.

 

7. How do I know that my application has been successful?

You will receive two SMS notifications, one is a credit of the loan amount into your account and the other is confirming successful disbursement of the loan, embedded in it is also loan expiry date.

 

8. What currencies is the mobi loan offered?

Mobi loan is available in Ugandan shillings only.

 

9. What are the benefits of the Mobi Loan?

This product is for our customers who may need fast affordable cash from time to time. The benefits of our mobi loans include the following:

• It is hassle free – imagine getting a loan without any signatures!
• Quick and easy to access using our quick banking platform.
• There’s an option to pay back early without any extra charge.
• No collateral security is required to access the loan.

 

10. How many times can I borrow in a month?

You can borrow as many times as you wish in month as long as the previous MobiLoan has been paid off. Once you pay off, your MobiLoan limit immediately becomes available again and you can access it anytime, at your convenience.

 

11. Can the mobi loan be credited onto a savings account?

Yes, the mobi loan can be disbursed on both the individual current and savings accounts.

 

12. Can a company apply for a mobi loan?

No, this loan is only available to individual account holders.

 

13. I don’t have a dfcu Mobi loan limit. What are some of the reasons for this?

• You already have an existing dfcu Mobi loan.
• Have a poor repayment history on previous facilities
• You’ve not updated either your NIN or financial card number in Finacle.

 

14. Can I make an early loan repayment?

Yes, you can and at no extra cost. Login to our quick banking platform, under mobi loan menu, select early loan repayment and follow the prompts. Upon completion you will get an SMS notification congratulating you on paying off your loan.

 

15. How is the loan recovered?

• Upon expiry, if the account has sufficient funds the loan will be repaid automatically. If it doesn’t, the system will mark a lien of the amount due.
• A client can also do an early repayment by going to mobi loan menu and selecting the early repayment option.

 

16. What happens if I fail to pay my Mobi Loan on time?

• You’ll incur a daily penalty of 1% on outstanding principal amount for each day in the loan will be in arrears. This will be applied for a period of 15 days.
• You will be listed with the Credit Reference Bureau as a defaulter thus affecting your credit score and future credit worthiness.
• You will not be able to access a Mobi loan in the future.

 

17. How do I grow my loan limit?

• Increase activity on your dfcu bank account by transacting and depositing more.
• Early and prompt repayment of your dfcu Mobi loans.

 

18. Can a customer access a mobi loan immediately after opening an account with us?

No, they cannot. The client will need to bank with us for 6 months before they can qualify.

To get more information about the dfcu Mobi loan, customers can reach us toll free on 0800 222 000 or WhatsApp 0776 760760.

 

dfcu Bank is regulated by the Central Bank of Uganda.

Customer Deposits are protected by the Deposit Protection Fund of Uganda

Disclaimer

This Campaign is operated by dfcu Bank and not by Visa. As you are aware, Visa is not a card issuer and does not provide credit, debit or any financial services. Any issues you may have with respect to your card should be directed to dfcu Bank. The relationship between Visa and dfcu Bank does not create any relationship direct or indirect between the cardholder and Visa. These terms and conditions are different from the agreements between you and dfcu Bank and unless as otherwise specified in these Terms and Conditions, none of the terms of any agreement between you and dfcu Bank has any effect on, or relationship with these Terms and Conditions.

The following terms and conditions apply to the dfcu Bank and Visa International Service Association (Visa) AFCON partnership campaign promotion. By participating in the promotion, you are deemed to have read, understood and accepted the same:

Campaign Duration

1. The campaign will run from Monday 10^th January 2022 up to Sunday 06^th February 2022.
2. dfcu Bank reserves the right (in its sole and absolute discretion) to extend, shorten, suspend the time period of the Promotion or terminate the Promotion for technical, commercial, and/or operational reasons, or for reasons beyond its control. The Promotion, Prize and Terms and Conditions may be reasonably amended by dfcu Bank, at any time during the Promotion. In such event, all Participants waive any rights that they may have/purport to have in terms of this Promotion and acknowledge that they shall have no recourse against dfcu Bank and Visa whatsoever.

Campaign Eligibility:

1. The Promotion is open to dfcu Bank customers who use their dfcu Visa card to pay for goods and services.
2. Any eligible natural person who is 18 years or older,
3. The parent or guardian of a minor, may participate in the Promotion.
4. No director, employee, agent or consultant of:
   • dfcu Bank;
   • Any other subsidiary or associated person who controls or is controlled by dfcu Bank;
   • The supplier of goods or services in connection with the Promotion; or
   • The marketer of the Promotion; and/ or Agencies of the promoter or their spouses, life partners, business partners or immediate family members, may enter this Promotion.
5. The right of admission into the Promotion rests solely with dfcu.

The Campaign rewards

1. Customers who meet the entry requirements are eligible for a chance to win AFCON themed prizes and the grand prize of a fully connected DStv Kit.
2. The prizes shall be given to the eligible customers through a draw (s) during the campaign period.
3. The prize is non-transferable and not exchangeable for cash.

Reward time duration

1. Compensation time frame of the reward shall be within the stated campaign period and dfcu Bank operating hours.

Other Terms

1. dfcu Bank reserves the right to disqualify any entrant or withdraw reward to such entrant for tampering with the entry process including but not limited to: canvassing, or for submitting an entry which is not in accordance with these terms and conditions
2. The prizes are non-transferable, and no other alternative shall be offered.
3. By agreeing to participate in the promotion, all participants agree that their name, picture and details of their business can be made public in such media as dfcu Bank may choose (including but not limited to the internet) and that they will further agree to participate in all public relations and marketing activities relating to the campaign without additional payment or consideration or prior approval.
4. The award of the prize shall be subject to the authentication of the ownership of the winning
5. Although dfcu Bank will use reasonable efforts to ensure that all information relating to the campaign (“Promotional Material”) is accurate, dfcu Bank will not be liable for any matters outside its control.
6. Employees of dfcu Bank and Visa are not eligible to participate in the promotion.

Indemnity

1. By entering the Promotion, the Participant unconditionally and irrevocably indemnifies and holds harmless dfcu Bank, as well as its holding company, its subsidiaries and any subsidiaries of its holding company, and their successors and assigns, directors, employees, agents or consultants against all and any losses, claims, proceeding, actions, damages, (direct, consequential or otherwise) liability, demands, expenses, legal costs (on an attorney and own client basis) howsoever arising out of, based upon, or in connection with (directly or indirectly) the Participant’s participation in the Promotion and the Prize/s.
2. dfcu Bank and its service providers, are not responsible for:
   • Incorrect and inaccurate transcription of entry information;
   • Technical malfunction;
   • Inappropriate images and comments posted by the entry or by the public;
   • Lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network or computer equipment or software; and/or
   • The inability to access any website or online services or any other error.
3. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, Twitter or any other social media platform that may be used as an intermediary.

Promotion Disputes

1. Should any dispute arise in relation to these Terms and Conditions, dfcu Bank’s decision  shall be final and no correspondence shall be entered into.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund.

• What is TrustFactor App?

TrustFactor App is an authentication application that has replaced the SMS One Time Passwords (OTPs) on our online banking platform (dfcu QuickBanking) for transaction confirmation.

• When is TrustFactor used?

The application is used by Quick Online, QuickConnect and Quick App Users Only to authenticate and complete transactions.

• Why TrustFactor?

TrustFactor application is faster, safer and simpler than the One Time Password application that we previously used to approve transactions. The application also addresses the issue of delayed OTPs, Failed OTPs and provides security against Sim Swaps and Phishing among others.

• How do I get started?

    (1) Download the TrustFactor App from Google Play or Apple Store

(2) Activate your account on TrustFactor via the Quick Banking App or Web

(3) Log into Quick Banking through App or Web and do your banking

(4) Authenticate using TrustFactor

(5) Transaction is completed and proceed to log out

• Do USSD Users have to activate TrustFactor?

No, TrustFactor is not used to approve transactions on USSD (QuickCode). The normal transaction process will remain for QuickCode.

• Are there extra charges for using TrustFactor?

No, the service is absolutely free! no extra charges will be incurred for the service.

• When will I be prompted to authenticate with TrustFactor?

You will be prompted to authenticate all transactions with TrustFactor that previously required an OTP/SMS token for example money transfers, bill payments etc.

• I received a transaction approval prompt from TrustFactor on my Smartphone, yet I was not making any transaction.

If you receive an approval prompt when you are not in the process of doing a transaction, select “Reject” to protect your account and report the incident immediately to Call Centre that can be reached on 0800 222 000. You are likely being targeted by a cybercriminal.

• I do not receive approval prompts automatically on my phone when I initiate transactions.

If you are transacting on the mobile App (QuickApp), click the “Open TrustFactor” button to approve the transaction.

If you are transacting using the web (QuickOnline), open the TrustFactor App and approve the transactions under the ‘Authorizations’ menu.

If you are transacting on USSD *240# (QuickCode), your password is enough to complete the transaction.

• What Smartphone operating systems are supported by TrustFactor?

IOS and Android are currently supported by TrustFactor.  If your device uses a different operating system, please reach us on 0800 222 000 to discuss your options.

• Can I complete a Transaction Online if I forget my mobile device at home or at work?

If you previously added another Smartphone to authenticate/approve your transactions, you should be able to use that other phone (device) to approve and complete the transaction. If you have never added an additional device, you can use the USSD platform to complete the transaction.

• What if my mobile device is lost or stolen?

In the event that your device gets lost or is stolen, notify the Bank immediately on 0800 222 000 at that the device is de-associated from your account. You’ll be prompted to register another device the next time you access your Quick Banking profile.

• What if I get a new phone?

Proceed to install and set up the TrustFactor App on the new phone. If you still have the old phone, you can transfer the authorisation rights to the new phone through the following steps;

1. Open the TrustFactor App on the old phone and access the ‘Profile Manager’ menu
2. Select the profile you want to share and click ‘Share’
3. Insert your TrustFactor password
4. Select ‘Import Profile’ on the new Smartphone (The app will display a QR code on the screen)
5. Scan the QR code by pointing the camera of the Old phone onto the new Phone’s screen
6. System will add your new phone
7. Delete your profile from the old phone if you no longer need the old phone

If you do not have the old phone, reach us on 0800 222 000 to have the old phone de-associated from your account. You’ll be prompted to register the new phone the next time you access your Quick Banking profile.

• How do I execute my transactions if I am traveling?

The TrustFactor App is a perfect solution whenever you travel or need to access your account while out of the country.

With TrustFactor you will be able to execute your transactions any time anywhere if you have an active internet connection. A notification will be sent to your phone to complete the transaction, open the TrustFactor App and proceed to authorise the.

No roaming fees is applicable when using TrustFactor App.

• I have forgotten my TrustFactor passwords, what do I do?

If you have the recovery code (provided after successfully adding your account to TrustFactor), you can restore your access through the steps below.

1. Uninstall the TrustFactor App version you have on your Smartphone.
2. Proceed to reinstall TrustFactor from the Google Play or App Store and set up a new password.
3. Select the ‘Restore profile’ Option and paste the recovery code in the field provided.
4. Your profile will be restored, and you can proceed to transact.

 

If you do not have the recovery code, reach us on 0800 222 000 to have your profile reset and follow the steps below.

1. Uninstall the TrustFactor App version you have on your Smartphone.
2. Reinstall TrustFactor from the Google Play or App Store and set up a new password.
3. Log into QuickBanking, you’ll be prompted to pair your profile on TrustFactor once again.

• I have activated my account on TrustFactor, do I keep the TrustFactor App on my phone?

Yes, do not uninstall the TrustFactor App. You shall need it whenever you have to make a QuickBanking transaction.

• I have more than 1 dfcu account, do I need to have more than 1 phone to transact on Quick Banking?

With TrustFactor, you will be able to approve transactions off all your accounts on the same Smartphone.

• I have bought a new phone and I no longer want to approve my transactions using the Old phone, how do I do that?

Open the TrustFactor App and delete your profile under the ‘Profile Manager’ menu. All your transaction data will be de-associated from the old phone.

• Can I change my TrustFactor Password?

Yes, you can. Open the TrustFactor App and select the edit option besides the password line

• Can I login into TrustFactor using Biometrics?

Yes, you can! To enable biometrics, open the TrustFactor App and enable the biometrics toggle under settings. You will be able to set your primary access option (i.e. between password and Biometrics).

The following terms and conditions apply to the Visa International Service Association (Visa) also referred to as ‘the Promoter’ and Vivo Energy Uganda Limited (Vivo) partnership campaign promotion. By participating in the promotion, you are deemed to have read, understood and accepted the same:

Campaign Duration

a) The campaign will run from 10th September 3rd October, 2021 every Friday, Saturday and Sunday.

b) The Promoter reserves the right (in its sole and absolute discretion) to extend, shorten, suspend the time period of the Promotion or terminate the Promotion for technical, commercial, and/or operational reasons, or for reasons beyond its control. The Promotion, Prize and Terms and Conditions may be reasonably amended by the Promoter, at any time during the Promotion. In such event, all Participants waive any rights that they may have/purport to have in terms of this Promotion, and acknowledge that they shall have no recourse against the Promoter whatsoever

Campaign Eligibility:
a) The Promotion is open to Shell service station customers who use their Visa card to purchase fuel / goods worth UGX 100,000 (minimum) from selected participating stations.
b) Any eligible natural person who is 18 years or older,
c) The parent or guardian of a minor, may participate in the Promotion.
d) No director, employee, agent or consultant of:
i. the Promoter;
ii. any other subsidiary or associated person who controls or is controlled by the Promoter;
iii. the supplier of goods or services in connection with the Promotion; or
iv. The marketer of the Promotion; and/ or Agencies of the promoter or their spouses, life partners, business partners or immediate family members, may enter this Promotion.
v. The right of admission into the Promotion rests solely with the Promoter

The Campaign reward
a) Customers who meet the entry requirements are eligible for a UGX 10, 000 Shell voucher. The Shell Voucher is available on a first come first serve basis depending on the voucher allocation to the particular participating station on specific dates as indicated below.
b) The reward of UGX 10,000 voucher shall be given to the eligible customers on the spot through the help of the cashiers and brand ambassadors.

Reward time duration

a) Compensation time frame of the reward shall be within the stated campaign period and Shell service station operating hours.

Other Terms

(a) Vivo and Visa reserve the right to disqualify any entrant or withdraw reward to such entrant for tampering with the entry process including but not limited to: canvassing, or for submitting an entry which is not in accordance with these terms and conditions
(b) The vouchers are non-transferable and no other alternative shall be offered.
(c) By agreeing to participate in the promotion, all participants agree that their name, picture and details of their business can be made public in such media as Vivo may choose (including but not limited to the internet) and that they will further agree to participate in all public relations and marketing activities relating to the campaign without additional payment or consideration or prior approval.
(d) The award of the reward shall be subject to the authentication of the ownership of the winning
(e) Although Vivo will use reasonable efforts to ensure that all information relating to the campaign (“Promotional Material”) is accurate, Vivo will not be liable for any matters outside its control.
(f) Employees of Visa and Vivo are not eligible to participate in the promotion.
(g) Selected Participating stations:

Station
Shell Makerere Kikoni
Shell Entebbe
Shell Bunga
Shell Kabalagala
Shell Munyonyo
Shell Entebbe Express
Shell Jinja road
Shell Namusera
Shell Nansana city
Shell Lugogo
Shell Kawempe
Shell Namirembe
Shell Najjera
Shell Mengo
Shell Bugolobi

Indemnity

a) By entering the Promotion, the Participant unconditionally and irrevocably indemnifies and holds harmless the Promoter, as well as its holding company, its subsidiaries and any subsidiaries of its holding company, and their successors and assigns, directors, employees, agents or consultants against all and any losses, claims, proceeding, actions, damages, (direct, consequential or otherwise) liability, demands, expenses, legal costs (on an attorney and own client basis) howsoever arising out of, based upon, or in connection with (directly or indirectly) the Participant’s participation in the Promotion and the Prize/s.
b) Promoter and its service providers, are not responsible for:
a. incorrect and inaccurate transcription of entry information;
b. technical malfunction;
c. inappropriate images and comments posted by the entry or by the public;
d. lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network or computer equipment or software; and/or
e. The inability to access any website or online services or any other error.
c) This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram or any other social media platform that may be used as an intermediary.

Promotion Disputes
1. Should any dispute arise in relation to these Terms and Conditions, the Promoter’s decision shall be final and no correspondence shall be entered into.

1. The Bounce Back promotion runs from 2^nd March to 18^th May 2021.
2. Lucky winners of the Bounce Back promotion stand a chance to win loan repayments capped at UGX 20 million.
3. All loans are offered at the sole discretion of dfcu Bank and as per the current credit policies governing the respective products.
4. If you are an existing dfcu Bank customer and you are currently in default on a facility from dfcu Bank, then you will not be eligible to apply for the discounted interest rate loans advertised in the Bounce Back promotion.
5. By participating in this promotion, you release dfcu Bank and hold it harmless from any and all losses, damages, rights, claims, liabilities and actions of any kind in connection with the Bounce Back promotion including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
6. For Buyoffs, arrangement fees shall apply on loan amounts applied for.
7. These Bounce Back promotion terms and conditions (“Bounce Back Terms”) are supplementary to dfcu Bank’s standard terms and conditions applicable to the advertised products (“Standard Terms”). To the extent of any inconsistency between the Bounce Back Terms and the Standard Terms, these Bounce Back Terms will prevail.
8. The reduced promotional interest rate being offered during the Bounce Back is applicable only on new loans and on top up loans. These rates do not apply on your existing loan (if any with the bank) if you do not wish to apply for new or top up loan.
9. All Loan rates are variable interest rates. Sale rates applicable only for new and Top-up loans. Interest rates are variable, pegged to the Prime Lending Rate and subject to change in line with the prevailing market conditions.
10. Immediate family members or distant relatives of an employee of dfcu Bank are not eligible to participate.
11. dfcu Bank reserves the right to amend the General Terms at any time. You are encouraged to check the dfcu Bank website regularly for any such changes.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund.