Raphix consults uganda

Raphix consults uganda WE DEAL IN CONSULTATION SERVICES IN ALL BUSINESSES.

02/07/2023

How to reduce expenditure and save the environment.

1. Turn off the lights if you do not need them and talk to your family about unplugging appliances when they are not using them. You save Alot of energy.
2. Take quick showers instead of taking a bath that way you won't waste water.
3. Recycle as many materials as possible this helps to conserve natural resources.
4. Use public transportation or ride a bike this will reduce pollution.

24/06/2023

```Let's do business with KUKUMBA CASH COMPANY - SMC LIMITED is now fully registered with company registration number 80034905975404 and certificate issued. It's now your duty to come for school fees loan, business loan, employment loan agriculture loan, to dusty your investment. Just inbox for immediate and express CASH UpTo 70million.*
Call 0776976174-0703729062 Both on WhatsApp

09/06/2023

```For a quick loan. Kukumba Cash company -smc-limited is here'for you. Just inbox for a loan renging from 10-million to 74-million. In One day. We're locked in Hoima, Lubaga and Kasovo Kampala, kukumba your Cash today.*```

```Let's do business with KUKUMBA CASH COMPANY - SMC LIMITED is now fully registered with business registration number 8...
09/06/2023

```Let's do business with KUKUMBA CASH COMPANY - SMC LIMITED is now fully registered with business registration number 80034905975404 and certificate issued it's now duty to come for school fees loan, business loan, employment loan agriculture loan, to dusty your investment. Just inbox for immediate and express CASH UpTo 70million.*

04/06/2023

" Legal Principles which govern the relationship between a bank and its customers are well settled. The duty of the bank is to act in accordance with the lawful requests of its customer in normal operation of its customer's account consequently, a banker who has paid a cheque drawn without authority or in contravention of the customer's orders or negligently cannot debit the customer's account with the amount. A banker is under a duty of care to its customer which may require him to question payment".

04/06/2023

" Legal Principles which govern the relationship between a bank and its customers are well settled. The duty of the bank is to act in accordance with the lawful requests of its customer in normal operation of its customer's account consequently, a banker who has paid a cheque drawn without authority or in contravention of the customer's orders or negligently cannot debit the customer's account with the amount. A banker is under a duty of care to its customer which may require him to question payment,"

29/05/2023

It's a school fees week, check list after check lists. Feel no stigma kukumba Cash company -smc-limited Hoima is here for you. Education is now cheep, feel free to come for education loan, school fees loan, business loan, employment loan, and land/property loan. Kukumba your Cash today. Just inbox Money will be wired to your under smart T&C.

23/05/2023
Just apply now
23/05/2023

Just apply now

Judges are building a global community of law. They share values and interests based on their belief inthe law as distin...
18/05/2023

Judges are building a global community of law. They share values and interests based on their belief in
the law as distinct but not divorced from politics and their view of themselves as professionals who must
be insulated from direct political influence. At its best, this global community reminds each participant
that his or her professional performance is being monitored and supported by a larger audience.

17/05/2023

My inlaw bro bought 100 by 100 at 5m around garuga with lake view some years ago. Some south Sudanese business man offered him 700m but he rejected. Real Estate business is really real😅😅

Apply now
17/05/2023

Apply now

19/04/2023

LETS TALK ABOUT AMONEY LENDING CONTRACT.

A money lending contract that is in writing, signed by the money lender, the borrower and witnessed by a third party.

The contract shall take the form of a note or memorandum
containing all the terms of the contract and, in particular,
such as,

(a) the date on which the loan is disbursed;
(b) the amount of the principal of the loan;
(c) the interest charged on the loan expressed in terms of a
percentage per year;
(d) the nature of the security, if any;
(e) the duties and obligations of the borrower;
(f) the mode of repayment;
(g) the nature of guarantorship, if any; and
(h) the right to early repayment

Secondly the Money Lender should keep records containing the following.

(a) the date on which the loan was disbursed;
(b) the amount of the principal;
(c) the rate of interest; and
(d) the sum repaid on the loan and the date on which the
repayment is made.

NB. At Kinubi Properties Consults we register Money lending companies and we do secure money lending licenses. Call or text on 0776976174. 0703 729062

05/04/2023

What is trespass? what do i need to know about trespass claim?

What does law say on trespass?
The Supreme Court while defining trespass as per the case of Justine E. M. N Lutaaya versus Stirling Civil Eng. Civ. Appeal No. 11 of 2002, held that ‘trespass to land occurs when a person makes an unauthorized entry upon another’s land and thereby interfering with another person’s lawful possession of the land’.

In Sheik Muhammed Lubowa versus Kitara Enterprises Ltd C.A No.4 of 1987, the East African Court of Appeal noted that; ‘in order to prove the alleged trespass, it was incumbent on the appellant/ plaintiff to prove that the disputed land belonged to him, that the respondent/defendant had entered upon that land and that the entry was unlawful in that it was made without his permission or that the respondent had no claim or right or interest in the land’.

05/04/2023

Property tip.

We have received alot of land law matters concerning the purchase price. some Vendors saying that property/ land passes to the purchaser upon payment of the full consideration, and that failure to pay the last installment warrants the vendor to resell the land.

WHAT DOES THE LAW SAY?

It is trite that in equity, interests in land passes upon payment of the purchase price. See Semakula & Anor versus Sentiba, CA No. 5 of 2013, and Ismael Jaffer Allibhai & Ors versus Nandalr Harvijan Karia & Anor SCCA No. 53 of 1995, where it was held that;
‘In sale of immovable property, upon payment of deposit, property passes to the purchaser who acquires equitable interest and that the purchaser becomes the lawful purchaser when he has paid the deposit’. The seller can only sue for specific performance since the purchaser acquired an equitable interest upon payment.

03/04/2023

What you need

03/04/2023

Family security you want

25/03/2023

Contents/ Features of a genuing land title in Uganda.
A title must bear the official signature from the issuing office, which is the regional land office, and official seals gazetted by the government, among other details. A valid land title must bear a block number, blue page and the encumbrance page.

For More details call or WhatsApp on 0703 729062 0785971583

25/03/2023

principle of progressive change: It states that everything changes with the passage of time and its impact on criminal investigation is immense because the crime scene and the criminal undergo changes and sometimes become unrecognizable.

20/02/2023

Property MGT Tips

Supervision is key during construction. Its of great importance to have an Architect supervise any construction to ensure quality work
A knowledgeable architect supervising the project can help level the playing field and make sure everyone is operating “on the level” and with the same set of expectations.
The Architect also helps the project to stay on budget and schedule, reduces risk and accidents and improves quality. To ensure this, the supervision process must be planned, and the supervisor must follow the plan and make additions and changes into the plan when needed.

For more information call or WhatsApp 0776976174-0703729062

Here's the position of the Law
03/02/2023

Here's the position of the Law

03/02/2023

DID YOU KNOW THAT KUKYALA (FIRST VISIT) IS NOT A MARRIAGE?
After eight years of dating, Abraham finally went to Anita's home to meet her parents and officially ask for Anita's hand in marriage. It was a beautiful, glamorous event with over 500 guests. Because of how long Anita had wanted this, she used all the best service providers in Kampala to ensure everything went right. On the night of her kukyala, she changed her username on all her social media platforms to "Mrs Seguya"- Abraham's last name. She has even been throwing it in her friend Rita's face how she finally has a husband, and Rita is still single and searching. Rita got tired of Anita and told her that she was technically not married and needed to relax because they were both single according to the law. Anita is convinced that Rita is just jealous and wants to know if a kukyala is legally recognised as a marriage.

WHAT DOES THE LAW SAY?
By law, Kukyala is not marriage, even if your 'deco' was 50 million or you invited the whole district to attend.
Kukyala is a Luganda word which means "to visit" the home of the woman's parents to show your intention to marry their 'daughter'. At this function, you are supposed to request a date for you to come for the 'introduction' ceremony (which is the marriage, introduce the bride and groom to each other's families, and seek the blessing of their families.

The Kukyala ceremony allows the families to assess each other and determine if they are a suitable match for their daughters. Different communities have a different form of 'first visit', and none of it is marriage.
So before you overspend on your kukyala, remember that it is not a legally recognised marriage.

If you have any questions regarding the law, please feel free to contact me.

Read this you the foreign investor
27/01/2023

Read this you the foreign investor

18/01/2023

WHAT NEXT AFTER GETTING A TIN?
Below are the rights of a TIN Holder.
1. Confidentiality.
2. Privacy of your business records.
3. Right to a fair hearing before a tax tribunal.
4. A right to appeal against tax assessment.
5. Honesty taxation.

DUTIES OF A TIN HOLDER.
1.Not to engage in corruption
2. Timely filing of returns.
3. Correct declaration of returns.
4. Keeping business Records.
5. Timely Payment of taxes.

17/01/2023

WHAT IS A KIBANJA?
A Kibanja is a piece of land owned according to the customs of the community where it is located. It means that you, as the person who now owns it, must continue to pay Busuulu (a ground rent) to the owner of the land.
This is because a Kibanja is part of a larger plot of land with 'an original' owner who allows you to use the land as your own. This person retains ownership of the overall land, which means you cannot sell that land without getting permission from the original owner. However, this owner also cannot sell the land where your kibanja is without first giving you a chance to buy it from them.
To become the 'real' owner, you must 'buy' out the 'original' owner so that they can hand over total ownership and the rights to the land so that you can take it as your own.
Nonetheless, as long as you are paying the Busuulu, you can leave this land to your children and their children without asking anyone for permission.
If you have any questions regarding the law, please feel free to contact us through our Facebook inbox, email.

17/01/2023

WHY A LEASEHOLD PROPERTY MAY NOT BE FOR YOU.
If you are tired of paying rent, you are probably thinking about buying land and building your house. Some of your friends may convince you about a "plot of land that they know of that is 'cheap', and it is a 'lease'. Today we want to tell you why this might not be a good idea for you.
First, a 'lease' is a type of land ownership where you own a piece of land for a limited period. It can be for 99 years or less. When this time of ownership ends, your ownership also ends.
Here are two reasons why you may want to look elsewhere for a 'dream piece of land.
1. Payment of ground rent.
If being a tenant was a headache because of rent payments, this is not for you. This is because you'll have to pay ground rent to the owner of the land, which can add up over time. (Ground rent is an annual payment made by the tenant (Lessee) to the landlord (Lessor).
2. It does not belong to you forever.
No matter how long the lease period is, it is not permanent. It will inevitably run out, and you will have to negotiate with the owner to renew it or potentially lose your right to occupy the property. The renewal may not be a guarantee if you fail to agree or apply late.
If you have any questions regarding the law, please feel free to contact us through our WhatsApp, Facebook inbox, OR on our email.

All services available at our offices
17/01/2023

All services available at our offices

13/01/2023

Grant of Probate.
Before an executor elected in a deceased’s will proceeds to manage or distribute the property, the Executor should get what are called “Grant of Probate”.
Grant of Probate means endorsement by a court of competent jurisdiction authorising the executor named in the testator’s last will to administer the testator’s estate.
Application for Grant of Probate:
• The person applying to court for grant of probate should be the executor named in the will.
• To apply for grant of probate, an application shall be made by petition with the will attached to it.
The petition should among other things, state the time of the testator’s death, testators assets, and whether the will attached was duly executed by the deceased.

Letters of Administration.

Letters of Administration
It can be defined as a legal document issued by a competent Court, which allows the administrator(s) to manage and distribute the deceased’s estate.
There are two types of Letters of Administration that can be applied for in this context:
1. Letters of Administration without a will – this is where the deceased died intestate i.e. the deceased died without making a will;

Letters of Administration with the Will annexed – with this, the deceased left a Will but he or she did not nominate an executor or else if he/she nominated an executor, the person nominated has declined to apply for a grant of probate or has since died.

Locus Mediation.

Locus mediations are carried out at the location of the dispute or away from offices. These are usually undertaken especially in land related cases where there is need to see the land in dispute and hear from neighbours. It can also be undertaken in instances where parties come from remote places and face difficulty in accessing offices due to financial constraints, physical disability, advanced age or due to other limitations.
Locus mediations are sometimes used as an opportunity to raise awareness to the people in attendance on the issues in dispute as such mediations usually attract large groups of people. For purposes of confidentiality, permission must however be sought from the parties before every person is allowed to participate in the process. Matters of a personal nature are not mediated in public.

13/01/2023

Requirements of a valid Will.

It must be in writing, and state the particulars of the person making it.
The will must be dated since the date is usually the point of reference as to its validity.
The beginning of the will should state that it revokes all others. If you have an earlier will, you should destroy it.
The person making the will (testator) must have a sound mind.
The testator must have made the will voluntarily and without pressure from anyone else.
The will should detail the assets and liabilities of the testator as well as all family members and dependents if any.
The will should show how the testator intends to dispose of their assets and sort out their liabilities.
The will should provide for the heir or heiress.
It should also appoint a person to take action as per the testators wishes – the executor.
The will must be signed by the testator.
The will must be witnessed by 2 or more witnesses.

Codicil
A Will can be altered by the testator at any time before his or her death.
They can do so using a document called a codicil. A codicil is a document explaining, altering or adding to a will and which is considered as being part of the will. The formalities of writing the codicil are the same as for writing a will.

A codicil is an annex to a will. A codicil is made for the purpose of adding to, varying or revoking the provisions of an existing will.
A codicil puts into effect a change in an existing Will without requiring that the Will be re-executed. It is an extension to the actual will it is referring to. The same formalities that are necessary for the valid ex*****on of a will must be observed when a codicil is executed. Failure to do so renders the codicil void.
A codicil without two witnesses is invalid

13/01/2023

A WILL
Testator
A person (male or female), who is making or has made a will is called the testator.
Testate succession is when the person who has died (referred to as “the deceased”) left a valid will.
A will is used to arrange the distribution of your property after you die.
You get to decide to whom your property will be given.
Family conflicts can be avoided.
Since you name all your properties, a loss of property out of not knowing can be avoided.
Since the executor is a person you trust, mismanagement of the estate is likely to be avoided.
If no last will is made, letting other persons apply for the Letters of Administration might jeopardize the interests of some or all the beneficiaries, such as minor beneficiaries.
Beneficiaries of the will, their spouses or civil partners shouldn’t act as witnesses, or they lose their right to the inheritance! Beneficiaries shouldn’t even be present in the room when the will is signed. It’s also best not to ask an executor to act as a witness.
Changes in your will must be made when …
You acquire more or lose property.
You get married.
You divorce and/ or remarry.
You want to change the heir/heiress or the original heir/heiress has died.
A person who was given a share in your will dies.
One of your witnesses dies.
You or your wife gives birth.
IMPORTANT POINTS TO NOTE.
Every person woman or man above 18 years can make a will but must be of sound mind to make one.
A person can make an entirely new will or make slight alterations to the old one through an addition to your will (codicil).
You must always make a new will when you marry.
Always make 2-3 copies of your will and give it to persons you trust (friends, family, bank, lawyer, LC official, elder, religious leader, etc.) for safe keeping. The person must make the last will know immediately after your death.
It is illegal to steal, conceal, destroy or forge a will! All these are offenses and are punishable by imprisonment for up to ten years or more.

13/01/2023

```Everyone is a sales person directly or indirectly basing on your category.

Why do people buy
It's because they trust you and your credible.
Always ask your clients need,
After presentation of solutions,

Types.
Transitional selling
Proposal selling
Consultation selling
Education selling```

12/01/2023

Those of you who promised to marry people’s daughters this year 2023 , i am here to remind you that ⁦
still conducts Civil Marriages. URSB conducts 50 civil marriages every week, which makes it 200 marriages every month. Omanyi mwogela nyo- tambuza omugambo..😂..

12/01/2023

Those of you who promised to marry people’s daughters this year 2023 , i am here to remind you that ⁦
still conducts Civil Marriages. URSB conducts 50 civil marriages every week, which makes it 200 marriages every month. Omanyi mwogela nyo- tambuza omugambo..😂

07/01/2023

Do you have a Bank account?
Have you ever denied a loan with no reason?
Does your bank have a right to share your indebtedness information?

If yes under what circumstances and if no what's the Law saying.

Basing on the principles of natural justice and a right to a fair hearing provided for under article 28 of the 1995 Constitution a customer has a right to inquiry with Bank on the reason why his or her loan application was rejected and he can lodge a complaint according to guideline 9 under part III of Bank of Uganda Financial Consumer Protection Guidelines of June 1, 2011 because guideline 3 defines a “complaint” to means any oral or written expression of dissatisfaction, or failure to provide, a financial product or service”.

Secondly according to guideline 7 of Bank of Uganda Financial Consumer Protection Guidelines of 2011 paragraph 3 states that “a financial services provider shall not disclose any information about a consumer to a third party except where; (i) the financial services provider is compelled by law to disclose information; or (ii) the disclosure is made with the express consent of the consumer; and the duty not to disclose any information about the consumer includes information relating to the consumer's account and any information about the relationship between the financial services provider and the consumer”.

Discloser of the said information by bank without the consent of a customer and it amounts to breach of fiduciary relationship established between the bank and customer which was created upon opening the said bank account. In the Case of Dynamic Consotium Ltd vs. DFCU Bank Ltd this case court held that the operating document.

07/01/2023

Can telecommunication company share subscribers details?.

If yes under what circumstances an if no? Under which Law?

Telecommunication companies are restricted from disclosing subscribers information unless in accordance with the law that is according to section 15 under part V of the Regulation of Interception of Communications Act No.18 2010 and section 2 of the same Act defines a customer to mean any person, body or organization which has entered into a contract with the service provider for the provision of a telecommunication service to that person, body or organization; or any person to whom or anybody or which a service provider provides apre-paid telecommunication service thus any breach of the said contract calls for damages against the telecommunication companies.

07/01/2023

ADVANTAGE OF INSURANCE IN BUSINESS.

1. Transfer of loss
The purpose of insurance is to transfer the financial loss to insurer who spreads it over larger numbers (policy holders). The loss suffered by one is distributed over many.

2. As social security
Insurance provide social security to people.

3. Development of economy
Insurance mitigates financial losses of the insured people, by theft, fire, loss of goods. Thus, insurance provides the continuity of trade which help for the growth of economy.

4. Investment of insurance funds.
The insurance companies invest fund collected from the public in various instruments of economy of the country.

5. It helps people to develop habit of saving and help to generate employment by giving working to insurance companies.

07/01/2023

ESSENTIALS OF INSURANCE CONTRACT.

Section 10 of the Law of Contract says a contract to be valid must have the following elements:-

 Agreement (offer and acceptance)
 Legal consideration
 Parties competent to contract
 Free consent
 Legal object

A contract of insurance is a legal agreement between two or more parties and has to comply with all elements of the law of contract Act.
Insurance contract is the contract between the insurer and insured, in consideration of a sum to make good financial loss of the insured, subject to the limit of the insured specific property against peril and during the stated period.

All insurance contracts must have five elements of a valid contract as follows:-

1. Offer and acceptance. The person who want to take the cover against a particular peril offers his risk through the proposal form to the insurance company. The insurance company may or may not accept the risk. Therefore, offer come from the insured person.

2. Legal consideration. The promise (insurer) promise to pay a fixed sum of money at a given contingency. So the insurer must have something in return for his promise. The premium paid is the consideration given by the insured to the insurer.

3. Parties must have capacity to enter into contract. Every person is competent to contract who has attained the age of majority and of sound mind as well as not disqualified by the law from contracting.

4. Free consent. Both parties must make decision to enter into contract without any influence in their decision making.

The consent must not be caused by fraud, undue influence, mistake and misrepresentation.

5. Legal object. The purpose for which the contract is entered must be legally lawful.

The contract should not be against the public interest.

07/01/2023

RIGHTS OF THE INSURER.

i. Right to collect premium from the insured

ii. Right to specify the conditions and benefit under the policy.

iii. Responsibility to for the loss occurred.

RIGHTS AND RESPONSIBILITY OF THE INSURED.

i. To pay premium.
ii. Right to collect the money from the insurance company if the loss occurred.
iii. Obligation to comply with the terms of the contract of insurance.

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