Terms and Conditions

1. Definitions

• "Company", "We", "Us", "Our" refers to ZimCrowd
• "Platform" refers to the ZimCrowd peer-to-peer lending platform
• "User", "You", "Your" refers to the person accessing this website and using our services
• "Service" refers to the peer-to-peer lending services provided by ZimCrowd

2. Acceptance of Terms

By accessing and using the ZimCrowd platform, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

3. User Eligibility

3.1 Age Requirements

You must be at least 18 years old to use our services.

3.2 Legal Capacity

You must have the legal capacity to enter into binding agreements.

3.3 Residency

Our services are primarily available to residents of Zimbabwe, subject to regulatory requirements.

4. Account Registration

4.1 Account Creation

To use our services, you must create an account and provide accurate, complete, and current information.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.3 Verification

We may require identity verification and may use third-party services to verify your information.

5. Platform Services

5.1 Lending Services

ZimCrowd facilitates peer-to-peer lending between borrowers and lenders.

5.2 Secondary Market

Lenders may trade loan portions on our secondary market platform.

5.3 AI Features

We provide AI-powered tools to assist with financial decision-making.

6. User Obligations

6.1 Accurate Information

You agree to provide accurate and complete information in all interactions with the platform.

6.2 Compliance

You agree to comply with all applicable laws and regulations.

6.3 Prohibited Activities

You agree not to engage in fraudulent, illegal, or harmful activities on the platform.

7. Intellectual Property

The platform and its original content, features, and functionality are owned by ZimCrowd and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs the use of your personal information.

9. Limitation of Liability

In no event shall ZimCrowd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages.

10. Indemnification

You agree to indemnify and hold harmless ZimCrowd from any claims, damages, losses, costs, and expenses arising from your use of the platform.

11. Termination

We may terminate or suspend your account and access to the platform immediately, without prior notice, for any reason.

12. Governing Law

These terms shall be interpreted and governed by the laws of Zimbabwe.

13. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any changes.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Email: legal@zimcrowd.com
• Phone: +263 710 467 317
• Address: 123 Samora Machel Avenue, Harare, Zimbabwe