Individuals can submit loan applications more easily with Zam Insambu. You agree to these terms when you register, log in, download and install the Zam Insambu Apps, or use the services.

Before using the services or creating an account, you must carefully review these conditions of use and determine if they apply to your financial circumstances. Should you disagree with our policies, you must immediately stop using the services.

In order to be notified as soon as the Terms of Use are modified, you must constantly keep an eye on the applications' content. After the services have been updated, the user accepts and agrees to the updated terms of use by using them.

1. SERVICES AVAILABLE

You will be able to access the Services right away when your account has been certified and you have registered. You will be bound by these Terms of Use if you decide to use our financial services. You have accepted this and provided your permission.

2. SERVICE CHARGES DETAILS

By requesting access to the Services or creating an account, you testify that you are at least eighteen years old and a resident of Zambia. Your certificate of Zambian identity is still valid.

3. THE METHOD OF LOANS

Zam Insambu is the only organization with the power to accept or reject requests for loans and consumer financial services. By approving or rejecting a loan, you understand and accept that Zam Insambu will not be held accountable for any negative consequences, lost opportunities, or other financial losses. We're not required to give a reason for the credit choices we make.

4.SAFETY AND IDENTITY

In order to utilize the Services, an account must be created. You must provide complete, accurate, and up-to-date personal information while completing the enrolling process. Additionally, you commit to promptly updating any outdated information to ensure that the data on your account is up-to-date, accurate, and complete. You are responsible for protecting the privacy of your password and account details. Access to the devices used to access the services and applications is restricted, which is another consideration. You understand that any action involving your account or password is your responsibility.

5.THE COSTS AND REMITTANCES

The application shows the service fees and any extra costs, including penalties for late payments. You are responsible for paying any costs and fees associated with the services.

6. AVAILABLE VIA ADDITIONAL APPS

Apart from the Services, these rules also apply if you use other platforms, apps, or services, such as Zam Insambu. You understand and agree to the terms and conditions of any other websites, applications, or services that make use of the Services. By using the Services on other websites, applications, or platforms, you accept these Terms of Use.

7. A DIFFERENT SUPPLIER’INSTRUCTIONS

To improve service delivery or operational oversight, Zam Insambu may enter into agreements with outside agents, contractors, or service providers. Your account, private information, and other data may be needed by this third-party service provider in order to deliver services for Zam Insambu. Your use of the Services signifies that you accept this. You understand that Zam Insambu cannot be held accountable for the conduct of outside service providers. However, in compliance with our privacy statement and regulatory requirements, Zam Insambu does its best to choose trustworthy vendors who will handle your data with care.

8. MAINTAINMENT OF PRIVATE INFORMATION AND DATA PROTECTION

We take the privacy of our customers extremely seriously. As part of these Terms of Use, we have a Privacy Policy that governs how we will handle your personal information. You are aware of and have read our privacy policy. It is fair to presume that by using our services, you have granted permission for us to collect, use, and share your personal information in the ways outlined in this policy.

9. APPRECIATE THE PRIVATE INFORMATION SHARE

According to our privacy policy, your use of our services gives Zam Insambu permission to gather, use, store, and handle your personal information. In line with our Privacy Policy, we reserve the right to share your personal information with other companies in order to improve your experience, satisfy legal requirements, and deliver our services. This is something you know. As part of our Terms of Use, you attest that you have read, comprehended, and agreed to our Privacy Policy by registering for an account or using the Services.

10. DEBT COLLECTION POLICY AND CUSTOMER COOPERATION COMMITMENT

If you don't reimburse them, Zam Insambu may take legal action to enforce the obligation in line with the law. In addition to using third-party collection agencies, the collecting procedure may also entail employing other forms of communication, like phone calls, messages, or emails. You give Zam Insambu permission to get in touch with the people you listed as references on your Services application in order to speed up the information-gathering or verification process. Zam Insambu and other collection agencies may use your current contact details to get in touch with you regarding any unpaid debts. Additionally, you commit to cooperating with them to settle any lingering disagreements.

11. FINISHING PAPERWORK AND OFFERING CLIENT ASSITANCE

In addition to offering outstanding services, we promise to promptly and effectively handle any complaints or problems you may have. Please write an email to request assistance. Please feel free to contact us at please@zaminsambu.com with any questions or complaints you may have about the services or any other part of your experience at Zam Insambu. Once your complaint has been received, a workable remedy will be created and implemented. In addition to providing a detailed description of your grievance or concern, please make sure your email contains any relevant documents or information that would be useful in addressing the matter.

12. ACCESSING DIGITAL MESSAGES AND OTHER INFORMATION BY OTHERS

You agree to receive electronic communications from Zam Insambu and use our services by giving us your phone number and/or email address. These emails may contain important information, such as updates and confirmations, along with details about your account, transactions, and use of our services. Kindly be aware of this. The legal requirement for written correspondence is satisfied by any emails or messages we send you, and you agree to this.

13. INDIRECT LINKS TO OTHER WEBSITES

There may be links in the application or services to resources, services, or websites run by other companies. You understand and agree to Zam Insambu's complete disclaimer of duty for any harm or loss resulting from using any of the third-party websites, services, or resources. Websites, services, or resources offered by outside parties are not under Zam Insambu's control in terms of information, accuracy, or accessibility.

14. ADVANTAGES AND SUGGESTS

Apart from its offerings, Zam Insambu might occasionally provide referral schemes, special deals, or other advantages. Notification of any relevant additional restrictions will follow participation in a campaign, referral program, or prize. By taking part in any rewards program, referral program, or campaign, you consent to the terms and conditions that are in force at the moment.

15. RIGHTS TO PROPERTY ONLINE

The only people with control over the App, the Services, and any materials, content, or information we offer are Zam Insambu or its licensors. Without first gaining our express consent, you are not permitted to reproduce, alter, distribute, or produce new versions of any of the content we offer. It also acknowledges that you do not possess any intellectual property and that you have no legal claim to it.

16. THE END AND IMMINENCE

If we believe you have broken 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 compliance with our Terms of Use. In the event that you want to close your account, you can notify us in writing at any time. If the application is not immediately removed from your devices, you will not be able to use the services. There will be no financial consequences for you if you owe us money after your termination.

17. ACCOUNTABILITY AND DUE DUE CARE

The Services are given "as is" and without any warranties, to the greatest degree that the law permits. The accuracy, usability, and total security of the services are specifically not under Zam Insambu's control. Although Zam Insambu is aware of the possibility of such damages, it disclaims all obligation for any egregious, specific, or additional damages that may arise from using or not using the services. All of Zam Insambu's staff members and affiliates are covered by this.

18. REMUNERATIONS FOR WORK OR SERVICES

If you misuse the Services in violation of the Terms of Use or break any laws, rules, or other people's rights, you undertake to protect and help Zam Insambu and its partners with any claims, damages, or expenses, including legal fees.

19. SERVICE TERMS MODIFICATION

The following terms and conditions could change at any time. The Apps will quickly put the updated Terms of Use into effect. It is your responsibility to regularly review the Terms of Use and to be informed of any changes. By using the Services going forward, you agree to any changes or additions to the Terms of Use that may occur. If the updated Terms of Use are unacceptable to you, you must stop using the Services right away and uninstall any related apps from your devices.

20. WORKOUT MANUAL

Under these Terms of Use, you are not permitted to assign or transfer any of your rights or obligations without our prior written consent. We reserve the right, without your permission, to assign our rights and responsibilities under these Terms of Use to another organization. If we form a commercial partnership, transfer assets, or merge with another organization, this can occur.

21. UNPERCEIVED AND UNANTICIPATED EVENTS

Apart from payment obligations, the parties will not be held liable for any difficulties or delays in following these terms of use that may arise from strikes, natural disasters, government orders, or problems with utilities or communication.

22. REASONS FOR FILING AN OFFICIAL EXEMPTION REQUEST

If you choose not to abide by any of the rules in these Terms of Use, the person who plans to enforce those rules must sign and document it. The Terms of Use's inapplicability or enforceability does not amount to a party's sole failure to uphold its end of the bargain.

23. SUITABILITY

Should a court rule that any part of these requirements is illegal, unenforceable, or not enforceable, the rest of the terms will still be in place. Any provision that is unlawful, unenforceable, or invalid must be replaced by a reasonable, lawful, and enforceable provision in order to most accurately reflect the parties' original intentions.

24. THE COMPLETE ACCORD

The rules outlined in this paper take precedence over any prior written or verbal agreements or conversations regarding the topic. The Privacy Policy and any other clearly specified policies or guidelines are part of these agreements, together with the full agreement between you and Zam Insambu regarding the services.

25. DISRESPECT FOR OTHERS

Under these Terms of Use, no other person or business has the authority to exercise any of the rights and remedies that Zam Insambu and you do. These conditions of use don't give any advantages to third parties.

26. ABSTRACT

These usage guidelines' headers are solely for convenience and have no bearing on how any of the regulations should be interpreted or applied.

27. ASSESSMENTS

Please adhere to the rules specified in these Terms of Use when sending any written correspondence or other important communications to the email addresses supplied.

28. PUBLIC LAW ARBITRATION AND DISPUTES

Any disputes arising from these Terms of Use or the Services will be governed by Zambian law. Any disputes or claims pertaining to the Services or these Terms of Use may only be resolved in Zambian courts.