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      <h1>Terms and Conditions</h1>
      <p class="updated">Last updated: 29 September 2026</p>
    </header>

    <p>
      These Terms and Conditions govern your use of the loan information
      service provided by ZAMBEZI PERSONAL FINANCE LTD at
      <a href="https://financedonor.com/loanzambia/">financedonor.com/loanzambia/</a>.
      Please read them before using the service. If you do not agree
      to these terms, please discontinue use of the website.
    </p>

    <h2>1. About Our Service</h2>
    <p>
      We provide general information about personal loans and credit
      options in Zambia. Our website may include questionnaires,
      illustrative examples and links to independent financial
      service providers.
    </p>
    <p>
      We are not a lender, do not issue loans and do not make lending
      decisions. Using this website does not create a loan agreement
      or establish a lender-borrower relationship with us.
    </p>

    <h2>2. Eligibility</h2>
    <p>
      This service is intended for people aged 18 and over who can
      legally enter into agreements. Individual lenders may impose
      additional requirements concerning residency, income, employment,
      identity verification and credit history.
    </p>

    <h2>3. Questionnaires and Results</h2>
    <p>
      Our questionnaire helps guide the loan information presented
      to you based on your selections. Completing it is not a formal
      loan application, credit assessment, approval or binding offer.
    </p>
    <p>
      References to available options or offers remain subject to
      verification by the relevant lender. We do not guarantee that
      you will qualify for a loan, receive a particular amount or
      obtain funds within a specified time.
    </p>

    <h2>4. Loan Terms and Illustrative Examples</h2>
    <p>
      Loan amounts are expressed in Zambian kwacha, identified as ZMW,
      unless stated otherwise. Any repayment examples are illustrative
      and do not constitute a quotation or commitment to lend.
    </p>
    <p>
      Interest rates, fees, repayment schedules, penalties and total
      borrowing costs are determined by the lender. Before accepting
      a loan, review the lender's disclosures and agreement, including:
    </p>
    <ul>
      <li>The amount you will receive and the total amount repayable.</li>
      <li>The interest rate and all applicable charges.</li>
      <li>The number, amount and due dates of repayments.</li>
      <li>The consequences of missed or late payments.</li>
      <li>Any early repayment conditions or charges.</li>
    </ul>

    <h2>5. Independent Financial Decisions</h2>
    <p>
      Website content is general information and does not constitute
      personalised financial, legal or tax advice. You are responsible
      for assessing whether a financial product suits your circumstances
      and whether you can afford the repayments.
    </p>
    <p>
      Seek independent advice if you need help understanding a loan
      agreement or its consequences.
    </p>

    <h2>6. Third-Party Providers</h2>
    <p>
      External lenders and service providers operate independently.
      Their own terms and privacy policies apply when you visit their
      websites, submit information or use their services.
    </p>
    <p>
      A link or listing does not guarantee a provider's approval,
      availability, suitability or service quality. Verify the
      provider's identity and applicable authorisation before
      entering into a financial agreement.
    </p>
    <p>
      Questions about a loan application, repayment, refund or lending
      decision should be directed to the relevant lender. Questions
      about information published on our website may be sent to us.
    </p>

    <h2>7. Affiliate Relationships</h2>
    <p>
      We may receive commissions from affiliate partners when you follow
      qualifying links or use their services. Commercial relationships
      may influence which providers are featured and their placement.
      Our website does not necessarily cover every lender or product
      available in Zambia.
    </p>
    <p>
      The inclusion of a provider does not mean its product is the
      cheapest or most suitable option for you.
    </p>

    <h2>8. Acceptable Use</h2>
    <p>You must not use this website to:</p>
    <ul>
      <li>Submit fraudulent information or impersonate another person.</li>
      <li>Carry out unlawful, deceptive or harmful activities.</li>
      <li>Attempt unauthorised access to systems or personal information.</li>
      <li>Introduce malware or interfere with website security or availability.</li>
      <li>Copy or exploit protected content without permission or a lawful basis.</li>
    </ul>

    <h2>9. Privacy</h2>
    <p>
      Our Privacy Policy explains the handling of personal information
      associated with this service. Agreement to these terms does not
      itself constitute consent to optional advertising, marketing or
      tracking. Separate consent will be requested where required.
    </p>

    <h2>10. Intellectual Property</h2>
    <p>
      Website content, design and branding are protected by applicable
      intellectual property rights belonging to their respective owners.
      You may view and print content for personal, non-commercial use.
      Other uses require permission unless permitted by law.
    </p>

    <h2>11. Accuracy and Availability</h2>
    <p>
      We aim to provide useful and accurate information, but financial
      products and lender requirements can change. Content may contain
      errors or become outdated. Confirm current terms directly with
      the lender before making a decision.
    </p>
    <p>
      Website access may be interrupted for maintenance, technical issues
      or circumstances outside our reasonable control. We do not promise
      uninterrupted or error-free operation.
    </p>

    <h2>12. Responsibility and Liability</h2>
    <p>
      To the extent permitted by applicable law, we are not responsible
      for losses caused by independent lenders' decisions or conduct,
      external website content, or interruptions beyond our reasonable
      control.
    </p>
    <p>
      Nothing in these terms excludes or limits liability for fraud,
      fraudulent misrepresentation or any responsibility that cannot
      lawfully be excluded. These terms do not remove mandatory
      consumer rights or legal remedies.
    </p>

    <h2>13. Restriction of Access</h2>
    <p>
      We may restrict access where reasonably necessary to address
      misuse, security threats or breaches of these terms. Any restriction
      remains subject to applicable law and does not affect rights
      or obligations that have already arisen.
    </p>

    <h2>14. Changes to These Terms</h2>
    <p>
      We may revise these terms to reflect changes to the service or
      applicable requirements. Updated terms will be published on this
      page with a revised date and will apply prospectively.
      Additional notice or agreement will be provided where required.
    </p>

    <h2>15. Governing Law and Disputes</h2>
    <p>
      These terms are governed by the laws of Zambia, subject to any
      mandatory legal protections that apply to you. Disputes may be
      brought before a court with jurisdiction under applicable law.
    </p>
    <p>
      You may contact us to seek resolution of a concern. This does
      not prevent you from contacting a competent authority or
      exercising your legal rights.
    </p>

    <h2>16. Contact</h2>
    <p>
      For questions or complaints about this website or these terms,
      contact us using the details below.
    </p>

    <footer>
      <strong>ZAMBEZI PERSONAL FINANCE LTD</strong><br>
      Lusaka, Zambia<br>
      <a href="mailto:support@zambezipersonal.com">
        support@zambezipersonal.com
      </a>
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