Terms of Service - Loanegyzer

1. Acceptance of Terms

By accessing or using the Loanegyzer platform, including the RentGyzer property management application, the GyzerGo mobile application, and all associated services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Services.

2. Description of Services

Loanegyzer provides a cloud-based platform for financial institutions, property management companies, and related organizations in Africa. Our Services include:

Loanegyzer Platform: Loan management, credit scoring, and financial operations for lenders, MFIs, and SACCOs.
RentGyzer: Enterprise property management, billing, maintenance, and tenant operations.
GyzerGo: Mobile application for borrower self-service and agricultural finance.

3. Account Registration

To use the Services, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use.

4. Multi-Tenant Architecture

The Services operate on a multi-tenant architecture where each organization ("Tenant") has isolated data and configuration. You agree that:

You will only access data belonging to your authorized Tenant(s).
You will not attempt to access, modify, or delete data belonging to other Tenants.
You will comply with all role-based access controls and permission boundaries configured by your Tenant administrator.

5. Acceptable Use

You agree not to:

Use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
Attempt to gain unauthorized access to any part of the Services or any systems or networks connected to the Services.
Interfere with or disrupt the integrity or performance of the Services.
Use the Services to store, transmit, or process any data that infringes on the rights of any third party.
Reverse engineer, decompile, or disassemble any part of the Services.

6. Data Privacy and Protection

Your use of the Services is also governed by our Privacy Policy. We are committed to protecting your data in accordance with applicable data protection laws, including but not limited to the Zambia Data Protection Act and other relevant legislation in our operating jurisdictions.

7. Financial Data

The Services process financial data including loan records, payment history, rental billing, and related financial information. You acknowledge that:

All financial calculations, interest computations, and billing generated by the platform are based on configurations set by your Tenant administrator.
You are responsible for verifying the accuracy of financial outputs before relying on them for regulatory reporting or customer communications.
Loanegyzer is not a financial institution and does not provide financial advice.

8. Intellectual Property

The Services, including all software, documentation, designs, and content, are the intellectual property of Loanegyzer (Pty) Ltd. You are granted a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms. You may not copy, modify, distribute, or create derivative works based on the Services.

9. Service Availability

We strive to maintain high availability of the Services but do not guarantee uninterrupted access. We may perform scheduled maintenance, updates, or modifications to the Services. We will endeavor to provide advance notice of any planned downtime.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Loanegyzer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, arising out of or in connection with your use of the Services.

11. Termination

Either party may terminate this agreement at any time. Upon termination, your access to the Services will be revoked, and we will retain your data for a period of 30 days, after which it will be permanently deleted unless otherwise required by law.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Zambia. Any disputes arising from these Terms shall be resolved through the courts of competent jurisdiction in Lusaka, Zambia.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before they take effect. Your continued use of the Services after the effective date constitutes acceptance of the modified Terms.

14. Contact

For questions about these Terms, contact us at:

Email: [email protected]
Address: Suite 504, Anchor House, Cairo Road, Lusaka, Zambia
Phone: +260-977-642-633