Terms of use

Welcome to the User Agreement section of zaimionline.com. This agreement governs the terms and conditions for using our platform and is designed to protect your interests, ensure security, and safeguard your data privacy. Please read this agreement carefully before accessing our platform.  

Agreement acceptance and disagreement: 

Before accessing our platform, it is essential to review and accept this User Agreement. If you disagree with any clause or condition, please terminate your session on the site. Your continued use of zaimionline.com implies the explicit acceptance of the terms outlined in this agreement. 

Services offered: 

zaimionline.com serves as an informative platform, showcasing loan offers from leading lenders in Kenya. Our dedicated team publishes these offers and details about lenders, providing you with a convenient platform to compare and evaluate them. We consolidate all the necessary information and pertinent links on our site, simplifying the search and selection process. However, it's important to note that the content on our site does not constitute specific loan offers. We encourage you to thoroughly review the information provided and follow the links to the respective lenders' websites for detailed offers tailored to your unique needs.   

Rights and obligations of site users: 

As users of zaimionline.com, you have certain rights and obligations that govern your interaction with the platform. We value your rights and privacy and aim to provide a transparent and user-centric experience. Please familiarize yourself with the following:  

Access and utilization rights: You are granted the right to access and utilize the content available on zaimionline.com solely for personal purposes. This includes gaining insights into microfinance organizations operating within the Kenyan market, familiarizing yourself with the comprehensive range of loan offers provided by these esteemed organizations, comparing the available offers to make well-informed choices, and obtaining additional relevant information from our website, such as answers to loan-related inquiries and frequently asked questions. 

Free services: We are pleased to inform you that all services provided by the site are completely free of charge. We aim to empower users with access to valuable information and facilitate informed decision-making. 

Responsible usage: To maintain the integrity of our platform and protect the interests of all users, it is strictly prohibited to exploit the site's content for commercial purposes or without explicit permission from the site administration. All information on the site is protected by copyright. Any use of site materials, including text, photographs, videos, graphics and other elements, can be carried out only after obtaining the written permission of the copyright holder. The usage of zaimionline.com must comply with the laws and regulations of Kenya. Any violation of the specified rules or engagement in illegal activities on our website constitutes a serious offence and may be subject to legal consequences. 

Data accuracy and prompt updates: You bear the sole responsibility for the accuracy, completeness, and correctness of the data you provide during your use of the site. It is imperative that the information you provide is up-to-date and accurately reflects your current circumstances. In the event of any changes to your personal data, it is your responsibility to promptly inform the site administration to ensure accurate record-keeping and effective communication. 

Access restriction: We reserve the right to restrict access to our platform for users who violate any of the specified conditions or engage in activities that jeopardize the integrity and security of the website and its users. By adhering to the terms and conditions outlined in the User Agreement, you contribute to creating a safe and secure environment for all users. 

Communication with site administration: Should you have any queries, concerns, or inquiries regarding the services provided by zaimionline.com or any other related matters, we encourage you to contact the site administration through the feedback form available in the "Contacts" section of our website. This channel of communication ensures that your questions are promptly addressed and that you receive the necessary assistance from our dedicated support team. 

Rights and obligations of the site administration: 

At zaimionline.com, we are committed to maintaining the seamless functionality of our platform and ensuring a positive user experience. As the site administration, we have specific rights and obligations to uphold: 

Content and design modification: We possess the authority to modify the content and design of the site, including the removal of any materials, without prior notice to users. These actions are undertaken to enhance the quality of service provided to visitors and improve their overall user experience on our platform. 

Data protection: We prioritize the protection and privacy of user data. Our platform strictly adheres to the laws and regulations of Kenya, and we have developed robust internal privacy policies to ensure the utmost security of your personal information. We guarantee the safety of your data and pledge not to disclose it to any third parties without obtaining your explicit consent. 

Communication: We reserve the right to notify you about relevant new products, services, special offers, discounts, and other pertinent information using your contact details, such as your email or mobile phone number, that you provide voluntarily, filling out forms on the website. 

Access restriction: In the event of a violation of the User Agreement, privacy policy, or any other site rules, our team may temporarily or permanently restrict a specific user's access to the platform. This measure is implemented to uphold the security of the web resource and comply with the legal requirements of Kenya. Please note that we are not obligated to inform the user in advance regarding such actions. 

Limitations of administration's responsibility: 

While we strive to present accurate and reliable information on zaimionline.com, it is important to acknowledge certain limitations to our responsibility: 

Content reliability: The content provided on our platform is purely for reference purposes. We cannot guarantee the reliability or accuracy of the information posted. We assume no responsibility for the information available on the site, and we strongly advise users to independently verify any loan-related information on the official websites of microfinance organizations with whom they intend to collaborate. 

Third-Party transactions: Any transactions between the lender and the platform user, as well as any consequences resulting from a breach of contract, fall beyond our scope of responsibility. We do not offer loan services, nor do we provide any guarantee regarding their quality or compliance with the provided description. If you have any inquiries or complaints regarding the loan service, kindly direct them to the relevant third-party provider. 

User decisions: The users of zaimionline.com bear sole responsibility for the decisions they make based on the information provided on our platform. While we provide information to facilitate the understanding and comparison of available loan offers, we do not serve as financial advisors or intermediaries in loan transactions. Therefore, we disclaim any responsibility for violations of Kenyan laws or the rights of third parties arising from user actions and decisions. 

Platform functionality: We cannot be held accountable for any damages resulting from the use of our platform or the information contained therein. Additionally, we are not responsible for any losses arising from platform breakdowns or malfunctions. 

User agreement changes: 

Please note that this User Agreement may undergo changes from time to time without prior notice to users. In such cases, the updated version of the agreement will be promptly published on our platform, providing you with the opportunity to review and familiarize yourself with any modifications. If you disagree with the revised agreement, it is imperative that you discontinue using the platform until a mutually satisfactory resolution can be reached. 

We value your trust in zaimionline.com and are committed to providing a secure and reliable platform for all users. If you have any further questions or require clarification regarding this User Agreement or any other aspect of our services, please do not hesitate to contact us through the provided channels. Your satisfaction and understanding are our top priorities, and we are dedicated to addressing your inquiries and concerns promptly and professionally. Thank you for choosing zaimionline.com.