Please carefully read our Terms and Conditions for a comprehensive understanding of the legal aspects of our business relationship.

1. Acceptance of Terms: By accessing and utilizing the financial services provided by info@umojacommunityfinancialgroup.com, you agree to adhere to these Terms and Conditions.
2. Investment Exit Policy
   • Refund Process: Refunds for investment exits will be processed within 5-7 business days.
   • Exit within 5 Years: Full refund without interest for early exits within 5 years.
   • Exit after 10 Years: Half of accrued interest plus full investment for exits after 10 years.
   • Exit after 15 Years: Full investment capital plus 100% of interest for exits after 15 years.
3. Financial Services Offered
   • Auto Insurance: Details regarding coverage, premiums, and claims are outlined in our Auto Insurance Policy.
   • Real Estate Loans: Loan terms, conditions, and eligibility criteria are specified in our Real Estate Loans Policy.
   • Personal Loans: Terms, interest rates, and repayment details are covered in our Personal Loans Policy.
   • Business Loans: Business loan terms, application process, and requirements are outlined in our Business Loans Policy.
   • Mortgages: Mortgage terms, interest rates, and repayment information are detailed in our Mortgage Policy.
4. User Obligations: You agree to provide accurate information, comply with financial regulations, and responsibly use our services.
5. Privacy Policy: For details on data collection, usage, and protection, please refer to our Privacy Policy.
6. Limitation of Liability: Umoja is not liable for direct, indirect, or consequential damages arising from the use of our financial services.
7. Modification of Terms: We reserve the right to modify these Terms and Conditions. Continued use of our services constitutes acceptance of any changes.
8. Contact Information: For inquiries or concerns regarding these Terms and Conditions, please contact us at info@umojacommunityfinancialgroup.com.