1. About us and regulatory status
This website is operated by Pronto Capital. The final published legal entity name, UMRA licence number, licensed physical address, and customer-care hours should be inserted here once confirmed for production use.
Nothing on this website should be interpreted as meaning that Pronto Capital may lawfully lend under a different name or at an unlicensed address. Where there is any inconsistency, the details appearing on the current licence and published regulatory records prevail.
2. Acceptance of these website terms
By accessing or using this website, submitting an enquiry, downloading any form, or commencing any online application, you agree to these Website Terms and Conditions.
If you do not agree to these Website Terms and Conditions, do not use this website.
3. Website content and no automatic approval
Product descriptions, indicative estimates, sample instalments, calculators, examples, and turnaround times on this website are for general information only. They do not amount to guaranteed loan approval, an unconditional offer to lend, or financial advice tailored to your circumstances.
Any loan remains subject to know-your-customer checks, affordability assessment, collateral review, valuation, fraud screening, credit reference checks where applicable, internal approval, and execution of a written or electronic loan agreement.
4. Product information, pricing, and third-party costs
Pronto Capital will disclose current standard interest rates, company fees, and transaction charges clearly and keep that information reasonably updated and available.
Company fees should be separately identified from third-party or pass-through costs. These may include valuation, security registration, search fees, stamp duty, tracking, insurance premiums, caveat charges, or de-caveat charges where applicable.
Where a borrower requests a product or service not covered by standard fees and charges, any additional charges or expenses required before completion of the transaction will be disclosed.
5. Mandatory pre-contract disclosures
Before any loan is advanced, Pronto Capital will issue a written or electronic lending agreement and related disclosures. The final binding terms appear in that agreement and not only on this website.
Final loan documentation may include the principal amount, interest rate and method of calculation, instalment frequency, payment schedule, total cost of credit, fees and charges, nature of collateral, guarantor obligations, cooling-off rights where available, mode of repayment, early settlement terms, recovery procedures, and the borrower’s right to receive a copy of the contract.
Where information is given orally or where a borrower cannot read or understand written information, Pronto Capital should provide an oral explanation in a language the borrower understands.
6. Interest, penalties, and changes to pricing
Interest on money-lending transactions will be charged in accordance with Ugandan law and the applicable written lending agreement.
Pronto Capital will not charge compound interest on loans subject to the Tier 4 money-lending framework.
Any default charge or penalty will be applied only as permitted by law and the written loan agreement. Pronto Capital will not vary the terms of a lending contract, including increasing interest rates or charges, except in accordance with law and any required notice, consent, or regulatory process.
7. Cooling-off and early settlement
Where the law grants a borrower a cooling-off right, the conditions, duration, and method of exercising that right will be stated in the contract and explained before the transaction is concluded.
A borrower who wishes to settle or repay a loan obligation early may do so in accordance with the contract and applicable law. Any early settlement charge, if lawful and applicable, will be disclosed in advance.
8. Collateral, guarantees, and recovery
Pronto Capital may require collateral, guarantees, or both depending on the product and risk assessment. Where collateral is required, the type of collateral, perfection requirements, custody arrangements, and enforcement rights will be clearly stated in the loan documentation.
Debt recovery should be conducted lawfully, respectfully, and transparently. Pronto Capital should not use threats, violence, obscene or profane language, or unauthorised public shaming or contact with persons who are not party to the loan transaction.
Where a recovery agent is used, the borrower should be given the identity and contact details of that agent before the agent makes contact.
9. Credit reference, fraud, and compliance checks
By submitting an application or enquiry, you acknowledge that Pronto Capital may verify information provided by you and may, where lawful and applicable, conduct credit reference, anti-fraud, anti-money-laundering, sanctions-screening, identity verification, employer verification, field verification, and collateral checks.
Where the law requires consent before positive or negative credit information is shared with a credit reference mechanism or bureau, that consent should be obtained in the relevant application or loan documents.
10. Electronic communications and records
You agree that Pronto Capital may communicate with you electronically, including by email, SMS, WhatsApp, customer portal, or other approved channels where you have provided the relevant contact details and such communication is lawful.
Electronic copies of disclosures, consents, receipts, account statements, acknowledgements, and contracts may be used where permitted by law.
11. Use of the website
You may use this website only for lawful purposes.
You must not interfere with the operation, security, availability, or integrity of the website, attempt unauthorised access, upload malicious code, impersonate another person, submit false information, or misuse the website in any manner that could harm Pronto Capital, other users, or third parties.
12. Intellectual property
Unless otherwise stated, the website content, branding, layout, text, logos, downloadable forms, and materials belong to Pronto Capital or are used under licence.
You may view, download, and print materials for personal or internal business use in connection with a potential transaction with Pronto Capital, but you must not reproduce, alter, republish, distribute, or commercially exploit the content without written consent.
13. Third-party links and tools
This website may contain links to third-party sites or may embed third-party tools. Pronto Capital is not responsible for the privacy practices, content, availability, or security of third-party sites or services it does not control.
Where a third-party provider supports application intake, valuation, identity checks, messaging, payments, hosting, analytics, or customer support, that relationship will be governed by contracts with that provider and by the Privacy Policy.
14. Complaints and dispute resolution
If you have a complaint about products, staff, website disclosures, collections, or privacy practices, you may contact Pronto Capital through the customer-care channels published on this website.
Pronto Capital should operate documented complaint-handling procedures and acknowledge and respond within the timelines set by internal policy and applicable regulatory requirements.
If a complaint is not resolved, it may be escalated to UMRA using the regulator contact details and complaint channels officially published by UMRA.
15. Limitation and updates
Pronto Capital may update this website and these Terms and Conditions from time to time. The current version should be published on the website with an effective date.
No amendment shall reduce any borrower right that cannot lawfully be excluded or limited under Ugandan law.
16. Governing law
These Website Terms and Conditions are governed by the laws of Uganda.
Any dispute concerning the website or these Website Terms and Conditions shall be handled in accordance with applicable Ugandan law, without prejudice to any consumer right to complain to a regulator or other competent authority.