Frequently asked questions

The club is run by its officers: a chairperson, a treasurer and an administrator, with trustees drawn from the membership who receive every approval record and a monthly report. No payment to a member leaves the club without the treasurer recording it and the chairperson approving it.

In government and corporate bonds, treasury bills, cooperatives and investor clubs, and in the club's own land.

Anyone with a phone number and an email address who pays the joining fee. Both are required because every statement, sign-in code and notice goes to them.

UGX 50,000, paid once.

Apply first. Your application page lists the club's bank and mobile money accounts. Pay to any of them, quote your application reference, then enter the transaction ID on the page so the treasurer can match it.

The treasurer checks payments against the club's statements, usually within a few working days of your payment details arriving. Your application page shows the current status at any time.

Check your spam folder. If it is not there, apply again with the same email address and a fresh link is sent. If the address was mistyped, apply again with the correct one. Your application page can also be opened with your reference plus the phone number or email you applied with.

Do not apply again. Contact the treasurer, who will send an invitation to the email address on your record. The invitation asks for the last four digits of your phone number before you choose a password.

Five fixed-term products, listed above. Your principal is locked for the term and the return is credited every quarter, every six months or every year depending on the product. The rate you sign up at is fixed for the whole term.

Yes. An early closure refunds your principal plus the returns earned for the periods already completed. Returns for a part period are not paid.

Yes. The club caps money market investments at UGX 40,000,000 per member across all products. There is no cap on land.

Returns are credited to your withdrawable balance on each product's schedule, counted from the day you invested. You can withdraw them or leave them to be paid out at the end of the term. Returns can be simple or compound.

A pocket that targets one product. You pay in any amount, as often as you like. It earns nothing until the balance reaches the product minimum, when it converts into an investment at that day's rate. You can withdraw from a goal before it converts.

Browse the available plots in the portal and reserve one. A reservation holds the plot for the club's deposit window, or until the announced deadline for that land, so you can pay the deposit. Once the deposit is confirmed the booking is yours and a payment schedule is set up for the balance.

Typically 50 by 100 feet, 100 by 100 feet and 100 by 150 feet, and larger pieces by the acre on some land. Each plot shows its size, price and location in the portal.

There is a grace period, after which a late penalty applies to the overdue amount and you receive reminders. If arrears continue the club may repossess the plot after written notices; money already paid is refunded less a surrender fee and any unpaid penalties.

When the plot is fully paid. The club records the transfer, the chairperson approves it, and you confirm in the portal that you received the deed.

By bank transfer or mobile money to the club's accounts, which are listed in the portal. After paying, tell the portal what you paid and for what, with the transaction ID. The treasurer confirms it against the club's statement and it appears on your statement.

To the bank or mobile money account you have saved in your profile. Requests go to the treasurer and, above a set amount, to the chairperson for approval. A withdrawal is held for 48 hours after any change to your email, phone number or payout account.

Every sign-in needs your password and a one-time code sent to your email. Nobody at the club ever knows your password. Changes to your contact or payout details need a code, and the portal signs you out after ten minutes of inactivity.

Yes. Your statement is available in the portal at any time as a PDF, and the club sends a yearly interest certificate each January.

Ask for an exit from the portal. The treasurer settles everything you are owed in one payment, less any land arrears and fees, with the chairperson's approval. If you have a fully paid plot still waiting for its title, your login stays open until you confirm you received it.