Disclaimer

This disclaimer applies to the information published by ZAMBEZI PERSONAL FINANCE LTD at financedonor.com/loanzambia/.

1. Information Only

Our website provides general information about personal loans and credit options in Zambia. Content is intended to help visitors explore available services and does not constitute personalised financial, legal or tax advice.

Information presented on this website does not take into account your complete financial circumstances. Seek independent advice if you need assistance evaluating a financial product.

2. We Are Not a Lender

Zambezi Personal Finance is not a financial institution and does not issue loans, make credit decisions or enter into lending agreements with visitors.

Loan applications, eligibility checks, approvals, disbursements and repayments are handled by the relevant lender.

3. No Guarantee of Approval

Completing a questionnaire or viewing a result on our website does not constitute a loan application, pre-approval or binding offer of credit.

References to offers, eligibility or loan options do not guarantee that a lender will approve your application. Approval, the amount available and the time needed to release funds depend on the lender's assessment and requirements.

4. Illustrative Amounts and Repayments

Loan amounts, repayment periods and calculations shown on this website are illustrative unless expressly identified as a current quotation from a named lender. Amounts are expressed in Zambian kwacha, identified as ZMW, unless stated otherwise.

For example, a reference to a ZMW 20,000 loan over 12 months does not establish an interest rate, monthly repayment or total borrowing cost. Actual terms depend on the lender's fees, rates and agreement.

Review the total amount repayable, repayment dates, applicable charges and consequences of missed payments before accepting any loan.

5. Accuracy and Changes

Financial products, eligibility requirements and pricing can change. We aim to provide useful information, but cannot guarantee that all content is complete, current or free from errors.

Confirm product details directly with the lender before submitting an application or making a financial commitment.

6. Affiliate Disclosure

We may receive commissions from affiliate partners when visitors follow qualifying links or use their services. Commercial relationships may influence which providers appear on the website and their placement.

Our website does not necessarily include every lender or product available in Zambia. A listing or prominent placement does not establish that a product is the cheapest or most suitable option for you.

7. Third-Party Websites and Services

External websites and financial services are operated by independent providers. We do not control their content, lending decisions, security practices or service delivery.

Links do not constitute a guarantee of a provider's reliability or regulatory status. Verify the provider's identity and applicable authorisation, and read its terms and privacy policy before providing personal information.

8. Your Financial Decisions

You are responsible for deciding whether to apply for or accept a loan. Consider your income, existing commitments and ability to make repayments throughout the loan term. Borrowing beyond your means may lead to additional charges and financial difficulty.

9. Limits of This Disclaimer

This disclaimer explains the scope of our information service. It does not exclude responsibility for our own conduct where that responsibility cannot lawfully be excluded, remove mandatory consumer protections or prevent you from seeking a legal remedy.

10. Contact Us

For questions about this disclaimer or to report inaccurate information on our website, contact us using the details below. Questions about an existing loan should be directed to your lender.