Terms and Conditions for the EasyUSSD Extension to EasySacco
Last Updated: 16/10/2025
1. Introduction
Welcome to EasyUSSD, an official extension of the
EasySacco platform. This extension allows registered Saccos using EasySacco
to provide USSD-based services to their members, including loan applications,
balance inquiries, deposits, and other interactive mobile services.
By enabling or integrating the EasyUSSD Extension within your EasySacco system,
you (“the Sacco” or “the Institution”) agree to abide by the following Terms and Conditions.
2. Definitions
Term
Definition
EasySacco
The core management platform for Sacco operations, including member management, loan processing, and accounting.
EasyUSSD
A mobile extension of EasySacco that enables members to interact with Sacco services via USSD short codes.
Sacco
A registered savings and credit cooperative society licensed to offer financial services and using EasySacco.
Member
An individual registered under a Sacco and authorized to access services via EasyUSSD.
Maker-Checker Rules
A security mechanism where one user initiates (Maker) and another approves (Checker) financial or configuration transactions.
FOSA Module
The Front Office Service Activities module of EasySacco, providing real-time deposit, withdrawal, and transactional services.
BOSA Module
The Back Office Service Activities module of EasySacco, primarily for member savings and loan management.
Extension
Any software component, such as EasyUSSD, that enhances EasySacco’s base features.
3. Scope of the Extension
Opt-in for USSD Services — Activate USSD functionality through the EasySacco admin portal and configure access levels.
Manage Members via USSD — Register or link members for USSD access and update their service eligibility.
Loan Setup and Applications — Define loan products that members can apply for via USSD, with configured rates and terms.
USSD Configurations — Customize service menus, messages, and security restrictions.
Integration with EasySacco FOSA/BOSA — Introduces a FOSA-like structure for BOSA, enabling real-time transactions under approval rules.
Maker–Checker Implementation — Critical transactions must be initiated and approved by separate authorized users.
4. Responsibilities
4.1 Sacco Responsibilities
Ensure only authorized users access the USSD configuration and management console.
Verify member details and consent before enabling USSD access.
Comply with applicable data protection and financial regulations.
Use Maker–Checker workflows to prevent unauthorized actions.
Regularly back up and secure member and transaction data.
4.2 EasySacco / EasyUSSD Responsibilities
Provide a secure and stable USSD gateway for transaction routing.
Synchronize USSD data and logs with EasySacco.
Provide updates, security patches, and support.
Comply with telecom and financial data standards.
5. Service Availability and Support
The USSD service is available 24/7, subject to network and server uptime. Planned maintenance
will be communicated at least 24 hours in advance. Support is available via email, portal chat,
and the EasySacco helpdesk.
6. Data Privacy and Security
All Sacco and member data remain the property of the Sacco.
EasyUSSD follows encryption standards for data transmission and storage.
No personal data will be shared with third parties without authorization.
7. Maker–Checker Policy
Transaction Initiation (Maker): Transactions are initiated by authorized users and logged with timestamp and ID.
Transaction Approval (Checker): Approvers must be different from initiators; this is enforced by the system.
Audit Trail: All Maker–Checker actions are recorded and auditable within EasySacco.
8. Fees and Billing
Subscription or transaction fees may apply depending on the Sacco’s tier. Charges are
displayed in the EasySacco billing dashboard. EasySacco reserves the right to update fees
with 30-day notice.
The Current Charges are on Loan Applications through EasySacco.
9. Limitation of Liability
EasySacco and EasyUSSD are not liable for losses from incorrect configurations.
Downtime caused by telecom providers is outside system control.
Unauthorized access due to compromised credentials is the Sacco’s responsibility.
10. Termination
Either party may terminate the EasyUSSD Extension with a 30-day written notice.
Termination does not affect prior or pending transactions.
11. Governing Law
This Agreement is governed by the laws of the Republic of Kenya. Any disputes shall
be resolved under Kenyan jurisdiction.
12. Acceptance
By activating or continuing to use the EasyUSSD Extension within EasySacco,
the Sacco acknowledges and agrees to these Terms and Conditions.