Terms and conditions

Using this website

This website is published by Jyoti Mirmire Samuhik Saving and Credit Co-operative Society Ltd. to give members and the public information about the cooperative. By using it you agree to these terms.

Information, not an offer

Product descriptions, interest rates and loan limits on this site are for information. They are set by the board, can change, and the cooperative's bylaws, product rules and your signed agreements take precedence. Confirm current terms at a service center before making a decision. Nothing on this site is financial advice.

Membership and eligibility

Savings, loans and other services are available to share members who meet the eligibility rules in the cooperative's bylaws. Membership is open to Nepali citizens living in the working area without discrimination by gender, religion, language or caste.

Members' right to information

Every member is a shareholder with the right to voice and vote in decision making, regardless of the amount of their deposits and shares. Members may inspect the cooperative's audited accounts, AGM reports and the published financial disclosure at the head office, and may raise questions at the annual general meeting.

Accuracy

We work to keep the site accurate. If you find an error, tell us at info@jmssaccos.coop.np.

Links to other sites

Links to app stores, remittance partners, Google Maps and social networks lead to sites we do not control. Their terms and privacy policies apply there.

Intellectual property

The cooperative's name, logo and the content of this site belong to Jyoti Mirmire Samuhik Saving and Credit Co-operative Society Ltd. You may print or share pages for personal, non-commercial use with the source acknowledged.

Fraud warning

The cooperative communicates only through the phone numbers, email address and social accounts listed on this site. We never ask for passwords, one-time codes or payments to personal accounts. Report anything suspicious to the head office.

Liability

To the extent permitted by Nepali law, the cooperative is not liable for loss arising from use of this website or from reliance on information that has since changed.

Governing law

These terms are governed by the laws of Nepal. Disputes fall under the jurisdiction of the courts of Kavrepalanchok district.