Terms and Conditions

Welcome to Alecsa, a service owned and operated by Alecsa Business Services. By accessing or using our website, including the ZamCoin advertising page, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our services.

1. About Alecsa

Alecsa Business Services provides loan-related services and operates the ZamCoin advertising platform. We reserve the right to modify or discontinue any service at any time without prior notice.

2. Eligibility

To use our services, you must:

  • Be at least 18 years of age.

  • Provide accurate and truthful information.

  • Comply with all applicable laws and regulations.

3. Loan Applications

Submitting a loan application does not guarantee approval. All applications are subject to our internal review process and eligibility requirements.

We reserve the right to:

  • Approve or decline any application at our sole discretion.

  • Request additional information or documentation.

  • Reject incomplete or inaccurate applications.

4. ZamCoin Advertising Fee

The ZamCoin platform may require users to pay an advertising or promotional fee.

By making this payment, you acknowledge and agree that:

  • The ZMW 25 advertising fee is strictly non-refundable once payment has been received.

  • The fee is charged solely for advertising, promotional, or administrative purposes associated with the ZamCoin platform.

  • Payment of the ZMW 25 fee does not guarantee loan approval, loan processing, or loan disbursement.

  • Loan approval is determined independently based on our eligibility assessment and other applicable criteria.

  • Users should not interpret payment of the advertising fee as a promise, commitment, or guarantee of receiving a loan.

5. Payments

All payments made to Alecsa Business Services are processed according to the purpose stated at the time of payment.

Unless otherwise required by law:

  • Advertising fees are non-refundable.

  • Users are responsible for ensuring payment details are correct before making payment.

6. User Responsibilities

You agree not to:

  • Submit false or misleading information.

  • Attempt to defraud Alecsa Business Services.

  • Misuse the website or interfere with its operation.

  • Use the website for unlawful purposes.

7. Limitation of Liability

Alecsa Business Services shall not be liable for:

  • Loan applications that are declined.

  • Any indirect, incidental, or consequential losses arising from use of our services.

  • Delays caused by circumstances beyond our reasonable control.

8. Privacy

We collect and process personal information in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your information for the purposes of processing applications, providing services, and complying with legal obligations.

9. Changes to These Terms

We may update these Terms and Conditions at any time. Continued use of the website after changes are published constitutes acceptance of the revised Terms.

10. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of Zambia.

11. Contact Us

If you have any questions regarding these Terms and Conditions, please contact:

Alecsa Business Services
Email: [Insert Email Address]
Phone: [Insert Phone Number]

Important Notice

PLEASE READ CAREFULLY BEFORE MAKING ANY PAYMENT

The ZMW 25 ZamCoin advertising fee is a non-refundable advertising/service fee.

Paying this fee does not guarantee that you will receive a loan.

Every loan application is assessed independently, and approval depends on meeting our lending requirements. Payment of the advertising fee is not a deposit, processing fee that guarantees approval, or a commitment by Alecsa Business Services to issue a loan.

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