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Terms of Service

Last Updated: April 12, 2026

1. Acceptance of Terms

By accessing or using the services of Opes Investment Firm, you agree to be bound by these Terms of Service and all applicable laws and regulations in Uganda. If you do not agree with any of these terms, you are prohibited from using our services.

2. Eligibility

To be eligible for a loan or any financial service from Opes, you must be at least 18 years of age, a resident of Uganda, and possess a valid National Identification Card (NIN).

3. Loan Application and Approval

All loan applications are subject to credit assessment and approval. We reserve the right to:

  • Request additional documentation or collateral.
  • Reject any application without providing specific reasons, subject to UMRA guidelines.
  • Verify all information provided through third-party sources.

4. Interest Rates and Fees

Interest rates and processing fees are clearly communicated during the application process. Opes adheres to the Tier 4 Microfinance Institutions and Money Lenders Act, 2016 regarding interest rate disclosures and transparency.

5. Repayment and Default

Borrowers are required to adhere to the agreed repayment schedule. In the event of default:

  • Late payment penalties may apply as specified in the loan agreement.
  • Opes may initiate recovery processes in accordance with Ugandan law.
  • Default information will be reported to the Credit Reference Bureau (CRB).

6. Use of Collateral

Collateral provided for secured loans will be managed and, if necessary, liquidated in strict adherence to the Mortgage Act, 2009 and other relevant Ugandan statutes.

7. Governing Law

These terms are governed by and construed in accordance with the Laws of the Republic of Uganda. Any disputes arising shall be subject to the exclusive jurisdiction of the Ugandan courts.

8. Modifications

Opes Investment Firm reserves the right to revise these terms at any time. By using this website or our services, you are agreeing to be bound by the then-current version of these Terms of Service.