Terms of Use
Shamwa credit enables individuals to submit loan applications with greater simplicity. You agree to the terms stated below by registering, logging in, downloading and installing the Shamwa credit Apps, or utilizing the services.
Before using the services or creating an account, it is essential that you carefully assess these terms of use and determine whether they are relevant to your financial situation. If you are not in agreement with our policies, you must promptly discontinue your use of the services.
It is essential to consistently monitor the content of the applications in order to receive notifications of any modifications to the Terms of Use. By utilizing the services following the updates, the user acknowledges and consents to the revised terms of use.
1. SERVICES AVAILABLE
You will have immediate access to the Services once your account has been certified and you have registered. These Terms of Use will apply to you if you choose to employ our financial services. You have agreed to this and have embraced it.
2. INFORMATION REGARDING SERVICE CHARGES
You confirm that you are at least eighteen years old and a resident of Zambia by requesting access to the Services or establishing an account. Your Zambian identity certificate continues to be valid.
3. THE LENDING PROCESS
Shamwa credit is the exclusive entity with the authority to approve or deny requests for consumer financial services and loans. Shamwa credit shall not be held responsible for any adverse outcomes, missed opportunities, or other financial losses that may arise from your approval or rejection of a loan. We are not required to provide a justification for the credit decisions we make.
4. IDENTITY AND SAFETY
In order to utilize the Services, it is necessary to create an account. During the enrollment procedure, it is necessary for you to provide personal information that is current, accurate, and comprehensive. Additionally, it is your responsibility to promptly update any outdated information to ensure that the data in your account is accurate, complete, and current. You are responsible for maintaining the confidentiality of your account information and password. The restriction of access to the devices that are used to access the services and applications is another factor to consider. You acknowledge that you are responsible for any action related to your account or password.
5. THE COSTS AND REMITTANCES
The application displays the service fees and any supplementary expenses, such as penalties for late payments. You are accountable for any expenses and fees that are associated with the services.
6. AVAILABLE THROUGH ADDITIONAL APPS
These regulations are applicable to the use of other platforms, applications, or services, including Shamwa credit, in addition to the Services. You acknowledge and agree to the terms and conditions of any other websites, applications, or services that utilize the Services. By utilizing the Services on other websites, applications, or platforms, you acknowledge and agree to these Terms of Use.
7. THE REQUIREMENTS OF A UNIQUE SUPPLIER
In order to improve operational oversight or service delivery, Shamwa credit may enter into agreements with external agents, contractors, or service providers. This third-party service provider may require your account, private information, and other data in order to provide services for Shamwa credit. Your use of the Services signifies your agreement to this policy. You understand that Shamwa credit is not accountable for the actions of external service providers. Nevertheless, Shamwa credit makes every effort to select reputable vendors who will appropriately manage your data in accordance with our privacy statement and regulatory obligations..
8. PROTECTION OF PRIVATE INFORMATION AND DATA
We prioritize the privacy of our consumers. As part of these Terms of Use, we have a Privacy Policy that regulates the administration of your personal information. You are aware of and have reviewed our privacy policy. It is reasonable to presume that by utilizing our services, you have granted us permission to collect, use, and share your personal information in the manner outlined in this policy.
9. ESTABLISH THE VALUE OF SHAREING PRIVATE INFORMATION
Shamwa credit has been granted permission to collect, manage, retain, and use your personal information as a consequence of your use of our services, as detailed in our privacy policy. In order to enhance your experience, comply with legal requirements, and provide our services, we reserve the right to share your personal information with other companies in accordance with our Privacy Policy. You are cognizant of this. You acknowledge that you have read, understood, and consented to our Privacy Policy by registering for an account or using the Services, which is a requirement of our Terms of Use.
10. DEBT COLLECTION POLICY AND CUSTOMER COOPERATION COMMITMENT
If you fail to reimburse Shamwa credit, they may take legal action to enforce the obligation in accordance with the law. In addition to third-party collection agencies, the collection process may also entail the use of alternative forms of communication, such as emails, messages, or phone calls. You authorize Shamwa credit to contact the individuals you designated as references on your Services application in order to expedite the information-gathering or verification process. Shamwa credit and other collection agencies may use your current contact information to contact you regarding any outstanding debts. In addition, you consent to work with them to resolve any outstanding disputes.
11. RESEARCH COMPLETION AND CLIENT SUPPORT
In addition to delivering exceptional services, we assure you that we will promptly and effectively resolve any complaints or issues you may have. Compose an email to request assistance. If you have any questions or concerns about the services or any other aspect of your experience at Shamwa credit, please do not hesitate to contact us at communication.patient@shamwa-credit.com. A viable solution will be devised and implemented upon the receipt of your complaint. In addition to providing a detailed description of your grievance or concern, please ensure that your email includes any germane documents or information that would be beneficial in resolving the issue.
12. OTHERS' ACCESS TO DIGITAL MESSAGES AND OTHER INFORMATION
You consent to the receipt of electronic communications from Shamwa credit and the use of our services by providing us with your email address and/or phone number. These emails may contain critical information, such as updates and confirmations, as well as information about your account, transactions, and utilization of our services. Please be informed of this. You consent to the legal requirement for written correspondence, which is satisfied by any emails or messages we send you.
13. INDIRECT LINKS TO OTHER WEBSITES
Hyperlinks to resources, services, or websites operated by other organizations may be present in the application or services. You have comprehended and consented to Shamwa credit's exhaustive disclaimer of liability for any damage or loss that may arise from the utilization of any of the third-party websites, services, or resources. Shamwa credit is not responsible for the information, veracity, or accessibility of websites, services, or resources that are provided by external parties.
14. BENEFITS AND RECOMMENDATIONS
Shamwa credit may occasionally provide referral schemes, special discounts, or other benefits in addition to its current offerings. Supplementary restrictions will be communicated to participants who participate in a referral program, incentive, or campaign. By participating in any rewards program, referral program, or campaign, you consent to the terms and conditions that are currently in effect.
15. RIGHTS TO ONLINE PROPERTY
The sole entities that possess authority over the App, the Services, and any materials, content, or information that we provide are Shamwa credit or its licensors. Without our explicit consent, you are prohibited from reproducing, modifying, distributing, or creating new versions of any of the content we provide. It also acknowledges that you do not possess any intellectual property and that you have no legal entitlement to it.
16. THE END AND IMMINENCE
Should we suspect that you have violated any of the rules, we reserve the right to suspend or terminate your account and your use of the Services at any time and for any reason, in accordance with our Terms of Use. You have the option to terminate your account by sending us a written notification at any time. The services will be inaccessible if the application is not promptly removed from your devices. There will be no financial consequences if you remain in debt to us after your termination.
17. ACCOUNTABILITY AND DUE DUE CARE
These Services are provided "as is" and without any supplementary warranties, to the fullest extent permitted by law. Shamwa credit is not responsible for the services' complete security, usability, or veracity. Shamwa credit recognizes the possibility of such damages; however, it disclaims any liability for any specific, flagrant, or additional damages that may arise from the use or non-use of the services. This encompasses all personnel members and affiliates of Shamwa credit.
18. COMPENSATION FOR SERVICES OR WORK
By misusing the Services, you agree to assist and defend Shamwa credit and its partners with any claims, damages, or expenses, including legal fees, if you violate the Terms of Use or violate any laws, rules, or the rights of others.
19. CHANGE IN SERVICE TERMS
The following terms and conditions are subject to change at any time. The Apps will promptly implement the revised Terms of Use. It is your responsibility to conduct regular assessments of the Terms of Use and to remain informed of any changes. By continuing to use the Services, you agree to any future modifications or additions to the Terms of Use. If the revised Terms of Use are not acceptable to you, you must promptly discontinue the use of the Services and delete any associated applications from your devices.
20. WORKOUT MANUAL
Under these Terms of Use, you are prohibited from assigning or transferring any of your rights or obligations without our prior written consent. We retain the right to transfer our rights and obligations under these Terms of Use to another organization without your consent. This could happen if we merge with another organization, transfer assets, or establish a commercial partnership.
21. UNANTICIPATED AND UNPERCEIVED EVENTS
With the exception of payment obligations, the parties will not be held liable for any difficulties or delays in adhering to these terms of use that may result from strikes, natural disasters, government orders, or issues with utilities or communication.
22. REASONS FOR FILING AN OFFICIAL EXEMPTION REQUEST
The individual who intends to enforce the regulations enumerated in these Terms of Use must sign and document the decision if you choose not to comply with any of them. The inapplicability or enforceability of the Terms of Use does not constitute a party's sole failure to fulfill its obligations.
23. SUITABILITY
If a court determines that any portion of these requirements is unlawful, unenforceable, or not enforceable, the remaining provisions will remain in effect. A provision that is unlawful, unenforceable, or invalid must be replaced with a reasonable, lawful, and enforceable provision in order to ensure that the parties' original intentions are most accurately described.
24. THE ENTIRE AGREEMENT
The regulations outlined in this paper supersede any prior written or verbal agreements or conversations regarding the subject matter. These agreements encompass the Privacy Policy and any other explicitly specified policies or guidelines, in addition to the comprehensive agreement between you and Shamwa credit regarding the services.
25. DISRESPECT FOR OTHERS
Shamwa credit and you are the sole parties authorized to exercise the rights and remedies outlined in these Terms of Use. No other individual or business is permitted to do so. These terms of use do not provide any advantages to third parties.
26. ABSTRACT
The headers of these usage guidelines are solely for the purpose of convenience and do not influence the interpretation or application of any of the regulations.
27. EVALUATIONS
Please adhere to the guidelines indicated in these Terms of Use when sending any written correspondence or other significant communications to the email addresses provided.
28. ARBITRATION AND DISPUTES IN PUBLIC LAW
Zambian law will govern any disputes that may arise from these Terms of Use or the Services. In the event of any disputes or claims, the Services and these Terms of Use are exclusively subject to resolution in Zambian courts.
