Terms of Use

1. About the Society

Kenyans in Ireland Housing Co-operative Society Ltd is a housing co-operative registered under the Co-operative Societies Act, Cap 490, Laws of Kenya. The Society is approved and registered by the Commissioner for Co-operative Development (Kenya) and operates in accordance with its By-Laws adopted on 22 September 2025 and approved on 27 October 2025.

Registered office: Nairobi, Kenya (P.O. Box 17085-00100). Operational presence: Dublin, Ireland.

2. Use of This Website

This Website is provided for informational purposes and to enable eligible individuals to apply for membership in the Society. You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others.

You must not:

• Use the Website to transmit any unlawful, harmful, or fraudulent material
• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Use automated tools to scrape, copy, or harvest data from the Website
• Impersonate any person or organisation in connection with the Website

3. Membership

Membership of the Society is governed exclusively by the Society's By-Laws, as registered under the Co-operative Societies Act Cap 490, Kenya. The key terms of membership include:

• Eligibility: Membership is open to persons of Kenyan origin meeting the qualifying criteria set out in the By-Laws.
• Entrance fee: A non-refundable one-time entrance fee of €100 (or the Kenyan Shilling equivalent, as set out in the By-Laws) is payable upon admission.
• Monthly savings: Members commit to a minimum monthly savings contribution of €200, credited to their individual member account.
• Administration fee: A non-refundable monthly administration fee of €12 is payable to cover the Society's running costs.
• Refund on exit: Monthly savings contributions are refundable upon cessation of membership, subject to a 20% retention at the point of exit, and after deduction of any sums owed to the Society.
• Cessation: Membership may cease by death, withdrawal (with 60 days' written notice), expulsion, or other grounds set out in the By-Laws.

The Society reserves the right to refuse membership applications. Members are bound by all resolutions, decisions, and policies of the Management Committee and General Meeting in accordance with the By-Laws.

4. Contributions and Financial Terms

All euro-denominated contributions are converted to Kenyan Shillings for the Society's accounts using the Central Bank of Kenya (CBK) official exchange rate, reviewed quarterly. The Society does not guarantee a fixed exchange rate, and actual receipts may vary due to bank or foreign exchange charges.

Contributions are credited to member accounts as savings and applied towards housing projects approved by the Society. Members who fail to meet their monthly contributions for a continuous period of three (3) months without valid reason may lose eligibility for housing allocation and be subject to further action under the By-Laws.

The Society does not offer loans, investment products regulated by the Central Bank of Kenya or the Central Bank of Ireland, or any financial product other than the savings and housing allocation scheme described in its By-Laws.

5. Housing Allocation

Allocation of housing units or serviced plots to members is subject to the Society's By-Laws and the terms approved by the General Meeting. The Society does not guarantee housing allocation to any specific member within a specific timeframe. Allocation is dependent on project completion, member compliance with financial obligations, and availability of units.

The Society shall determine and approve uniform architectural designs and standards for all housing projects. Individual members may not independently modify, alter, or construct within co-operative housing projects.

6. Intellectual Property

All content on this Website — including text, graphics, logos, images, and software — is the property of the Society or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

This Website and its content are provided "as is" without warranties of any kind, express or implied. The Society does not warrant that the Website will be uninterrupted, error-free, or free of viruses. Information on the Website is for general guidance only and does not constitute legal, financial, or investment advice.

8. Limitation of Liability

To the fullest extent permitted by law, the Society shall not be liable for any indirect, incidental, or consequential loss arising from your use of the Website or reliance on its content. Our total liability to you in connection with these Terms shall not exceed the amount of any entrance fee paid by you to the Society.

9. Third-Party Links

This Website may contain links to third-party websites. These links are provided for convenience only. The Society has no control over and accepts no responsibility for the content or privacy practices of any linked third-party site.

10. Disputes

Any dispute arising from membership of the Society that cannot be resolved by the Management Committee shall be referred to the Co-operative Tribunal established under the Co-operative Societies Act Cap 490. Appeals from the Tribunal shall lie to the High Court of Kenya.

Disputes relating solely to the use of this Website shall be governed by the laws of the Republic of Ireland.

11. Changes to These Terms

We reserve the right to update these Terms at any time. Material changes will be communicated to registered members. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

12. Contact