Terms of Service

1. Service Description

ZimCrowd provides a peer-to-peer lending platform that connects borrowers with lenders. Our services include:

• Loan application and matching
• Loan management and monitoring
• Secondary market trading
• AI-powered financial tools
• Customer support services

2. User Eligibility

2.1 General Requirements

• You must be at least 18 years old
• You must have legal capacity to enter contracts
• You must provide accurate and complete information
• You must comply with applicable laws and regulations

2.2 Borrower Requirements

• Valid identification and proof of address
• Credit assessment approval
• Compliance with lending regulations

2.3 Lender Requirements

• Valid identification and banking details
• Understanding of investment risks
• Compliance with investment regulations

3. Account Registration and Security

3.1 Account Creation

You must create an account to use our services. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You agree to:

• Use strong passwords
• Enable two-factor authentication when available
• Report suspicious activity immediately
• Not share account credentials with others

4. Platform Usage

4.1 Acceptable Use

You agree to use the platform only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Activities

You must not:

• Use the platform for illegal activities
• Attempt to hack or compromise the platform
• Provide false or misleading information
• Harass other users or platform staff
• Violate intellectual property rights

5. Fees and Payments

5.1 Platform Fees

ZimCrowd may charge fees for certain services. All fees will be clearly disclosed before you incur them.

5.2 Payment Processing

All payments are processed through secure third-party providers. ZimCrowd does not store payment card information.

6. Intellectual Property

The platform, its content, features, and functionality are owned by ZimCrowd and protected by intellectual property laws. You may not copy, modify, or distribute our intellectual property without permission.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information.

8. Disclaimers and Limitations

8.1 Service Availability

We strive to provide continuous service but cannot guarantee uninterrupted availability.

8.2 Investment Risks

Lending involves risk of loss. You should carefully consider our Risk Warnings before participating.

8.3 No Financial Advice

Our services do not constitute financial advice. You should consult qualified professionals for financial decisions.

9. Termination

Either party may terminate these Terms at any time. ZimCrowd may suspend or terminate your account for violations of these Terms.

10. Governing Law

These Terms are governed by the laws of Zimbabwe. Any disputes will be resolved through Zimbabwean courts.

11. Changes to Terms

We may update these Terms from time to time. We will notify users of material changes.

12. Contact Information

For questions about these Terms of Service, contact:

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