Zak Legacy Loans — Terms & Conditions
1. Introduction
These Terms and Conditions outline the agreement between Zak Legacy Loans (“we”, “our”, “us”) and the applicant (“you”, “your”) when applying for and receiving a loan from us.
By submitting a loan application through our website, you confirm that you have read, understood, and agreed to these terms.
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2. Eligibility
To apply for a loan, you must:
Be a resident of Namibia and at least 18 years old.
Provide accurate and complete personal and financial information.
Consent to our verification of your details, including employment and income.
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3. Loan Approval and Repayment
Loan approvals are based on the information you provide and our internal assessment criteria.
Approved loans will be repaid via direct debit from your nominated bank account.
Payment plans depend on the amount borrowed. For example, loans above N$3,500 may be paid over two months.
You are responsible for ensuring sufficient funds are available in your account on repayment dates.
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4. Late or Missed Payments
Late or missed payments may result in additional fees and could affect your ability to borrow again.
If you experience financial difficulty, contact us immediately to discuss possible arrangements.
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5. Data Protection and Privacy
Your personal data will be handled in accordance with our Privacy Policy.
We use your information solely for processing your loan application, managing repayments, and verifying your identity.
We do not share your personal data with third parties without your consent, except as required by law.
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6. Accuracy of Information
You confirm that all details provided in your application are true and complete. Providing false or misleading information may result in legal action or rejection of your loan.
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7. Changes to These Terms
We reserve the right to update these Terms and Conditions from time to time. The most recent version will always be available on our website.
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8. Contact Us
If you have any questions about these Terms, please contact us at:
📧 info@zaklegacyloans.com
🌐 www.zaklegacyloans.com