Legal & Compliance

Ufalme Wetu Investments Ltd (UWI) is a registered Kenyan company providing training, business consulting, and wealth management advisory services.

Ufalme Wetu Welfare Programme (UWWP) is a registered Public Benefit Organisation (PBO), regulated by the NGO Coordination Board. UWWP is mandated to run micro-credit management, financial inclusion, and financial literacy programmes.

UWWP is self-sustaining; any surpluses are reinvested to help chamas and their members participate in commerce and nation building. Chamas savings are banked in an approved bank and loans disbursed from the said account. The PBO is managed by a board of 5 directors who co-sign the accounts.

UWI and UWWP are not banks and do not operate as deposit-taking institutions, investment managers, or securities dealers.

We do not take deposits or engage in proprietary lending. All financial transactions are processed through licensed financial institutions and regulated partners.

Training and advisory services provided by UWI are educational in nature and do not constitute personalized financial, legal, tax, or investment advice unless expressly contracted for in writing.

Participation in any financial product is voluntary and subject to independent assessment by members and their groups.

• All investments carry risk; capital and returns are not guaranteed.
• Past performance is not indicative of future results.
• Credit is subject to approval and may affect a member's or group's credit standing.
• Fees and interest are disclosed by partners before commitment.

Member and chama payments, collections, and disbursements are processed through licensed financial institutions and mobile money providers.

We do not hold member funds directly. All transactions are transparent and traceable through the platform.

Groups remain responsible for their internal governance and decisions, including roles, approvals, and compliance with applicable laws.

Ufalme Wetu is committed to transparent pricing and clear disclosures.

We protect personal data in line with Kenyan law, including the Data Protection Act, 2019. Data is used only as described in our Privacy Policy and Terms of Service.

We support AML/CFT controls and partner KYC requirements. Users may be asked to provide identification and documentation as required by law and partner policies.

We uphold fair-use, fair-pricing, and clear-consent standards and provide channels for questions, complaints, and dispute resolution.

UWI and UWWP are distinct legal entities with separate mandates. They however operate under the umbrella name 'Ufalme Wetu'.

Services delivered by each entity are identified accordingly in our materials and agreements.