ZamCoin
1. Eligibility
1.1. You must be at least 18 years old to apply for a loan.
1.2. You must be a resident of Zambia and provide valid identification and proof of residence.
1.3. Approval of any loan application is subject to meeting our creditworthiness criteria and providing accurate, complete information.
2. Loan Application and Approval
2.1. All loan applications take 1- 4 days as we have to thoroughly check customer credit score
2.2. The Company reserves the right to accept or decline any loan application at its sole discretion.
2.3. Loan terms, including interest rates and repayment schedules, will be disclosed during the application process and must be agreed upon before funds are disbursed.
3. Repayment Terms
3.1. Loans must be repaid in accordance with the agreed repayment schedule.
3.2. Late payments may incur additional charges or penalties as outlined in your loan agreement.
3.3. Failure to repay your loan may result in legal action and adverse effects on your credit score.
4. Fees and Charges
4.1. The interest rate, processing fees, and any other applicable charges will be clearly communicated before loan approval.
4.2. All fees are non-refundable unless otherwise specified by law or agreed upon in writing.
5. Data Privacy and Security
5.1. We collect and use your personal information in accordance with our Privacy Policy.
5.2. By using our services, you consent to the collection, storage, and sharing of your data as necessary to process your loan application and manage your account.
5.3. ZamCoin employs industry-standard measures to secure your data but cannot guarantee absolute security.
6. User Obligations
6.1. You must provide accurate and truthful information when applying for a loan.
6.2. You are responsible for ensuring the timely repayment of your loan.
6.3. You agree not to misuse the platform for fraudulent or unlawful purposes.
7. Disclaimer of Liability
7.1. ZamCoin will not be held liable for any indirect, incidental, or consequential damages arising from the use of our services.
7.2. The Company is not responsible for delays or failures caused by events beyond its reasonable control, including internet disruptions or technical failures.
8. Amendments
8.1. The Company reserves the right to amend these Terms at any time.
8.2. Any changes will be communicated via our website or email, and your continued use of our services constitutes acceptance of the revised Terms.
9. Termination
9.1. We may terminate or suspend your account and access to our services if you breach these Terms.
9.2. You may also terminate your use of our services at any time by notifying us in writing.
10. Governing Law
10.1. These Terms are governed by the laws of Zambia.
10.2. Any disputes arising from these Terms or our services shall be resolved in Zambian courts.
11. Contact Us
If you have any questions or concerns about these Terms or our services, please contact us:
- Email: esycoinzambia@gmail.com
By using ZamCoin’s services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.