Terms of Use
Mirakash enhances the probability of loan eligibility for individuals. By creating an account, logging in, downloading and installing the Mirakash apps, or utilizing the services, you concur with the terms and conditions enumerated below.
Before utilizing the services or creating an account, it is essential that you conduct a thorough examination of these terms of use and ascertain whether they are pertinent to your financial situation. If you are not in agreement with our policies, you must immediately cease using the services.
In order to remain informed of any modifications to the Terms of Use, it is imperative to conduct routine reviews of the applications' content. The user acknowledges and consents to the revised terms of use by using the services after the modifications have been made.
1. SERVICES RENDERED
Upon fulfillment of the registration and account certification procedure, you will have immediate access to the Services. The Terms of Use apply to you if you elect to utilize our financial services. Your agreement and acceptance have been reached.
2. INFORMATION RELATED TO SERVICE CHARGES
By registering for an account or attempting to access the Services, you represent that you are a resident of Zambia and at least eighteen years of age. Your identity document from Zambia remains legitimate.
3. THE LENDING PROCESS
Mirakash is the sole entity that has the authority to approve or deny applications for consumer financial services and loans. Mirakash is not responsible for any financial losses, missed opportunities, or unfavorable outcomes that may result from your decision to approve or deny a loan. We are not obligated to provide a rationale for the credit judgments we issue.
4. SAFETY AND IDENTITY
In order to access the Services, it is necessary to establish an account. You will be required to submit personal information that is current, comprehensive, and accurate during the enrollment process. Furthermore, it is your obligation to promptly update any outmoded information to guarantee that the data in your account is accurate, comprehensive, and current. You are responsible for safeguarding the confidentiality of your account information and password. Another factor to consider is the device limitations that are employed to access the services and applications. You are cognizant of the fact that you are responsible for any actions associated with your account or password.
5. TRANSFERS AND EXPENSES
The service fees and any additional expenses, such as late payment penalties, are displayed in the application. You are responsible for all fees and charges that are associated with the services.
6. ACCESSIBLE THROUGH ADDITIONAL APPS
In addition to the Services, these guidelines are applicable to the use of other platforms, applications, or services, such as Mirakash. You acknowledge and consent to the terms and conditions of any other websites, applications, or services that utilize the Services. You acknowledge and acquiesce to these Terms of Use by utilizing the Services on other websites, applications, or platforms.
7. ESSENTIALS OF A UNIQUE SUPPLIER
Mirakash may establish agreements with external agents, contractors, or service providers to enhance operational management or service delivery. In order to provide Mirakash services, this third-party service provider may need access to your personal data, account, and other relevant information. You acknowledge that you have reviewed this policy and are in agreement with its terms by using the Services. As you are aware, Mirakash is not responsible for the actions of external service providers. Nevertheless, Mirakash makes every effort to choose reputable vendors who will manage your information in compliance with our privacy statement and the relevant laws.
8. PROTECTION OF INDIVIDUAL DATA AND INFORMATION
Protecting the privacy of our consumers is our foremost objective. We have a privacy policy that governs the treatment of your personal data as a part of our terms of use. You have reviewed and comprehended our privacy statement. You are likely consenting to the collection, use, and sharing of your personal information in accordance with the terms of this policy by utilizing our services.
9. EVALUATE THE BENEFITS OF DISCLOSING PRIVATE INFORMATION
Mirakash has been granted permission to collect, manage, retain, and utilize your personal data in accordance with our privacy policy as a consequence of your utilization of our services. We retain the right to share your personal information with other companies in accordance with our privacy policy in order to enhance your experience, comply with legal requirements, and provide our services. You are cognizant of this. You acknowledge that you have reviewed, comprehended, and consented to our Privacy Policy by registering for an account or using the Services, as mandated by our Terms of Use.
10. CUSTOMER COOPERATION COMMITMENT AND DEBT COLLECTION POLICY
Mirakash may initiate legal action to enforce the obligation in accordance with the law if you fail to repay them. The collection procedure may also employ alternative communication channels, such as phone calls, emails, or messaging, in addition to third-party collection agencies. You authorize Mirakash to contact the individuals you listed as references on your Services application in order to expedite the information-gathering or verification process. Mirakash and other collection agencies may utilize your current contact information to contact you in relation to any outstanding debts. Furthermore, you agree to collaborate with them in order to resolve any outstanding disputes.
11. COMPLETION OF CLIENT SUPPORT AND RESEARCH
We are committed to providing exceptional services and promptly and effectively resolving any grievances or issues you may have. Compose an email that requests assistance. Please do not hesitate to reach out to us at client_support@mirakashlend.com if you have any queries or concerns regarding the services or any other aspect of your Mirakash experience. A practical remedy will be developed and implemented upon the receipt of your complaint. In addition to a thorough elucidation of your complaint or issue, please include any pertinent documents or information that could assist in the resolution of the matter in your email.
12. OTHER PEOPLE'S ACCESS TO DIGITAL MESSAGES AND OTHER INFORMATION
You consent to the use of our services and the receipt of electronic communications from Mirakash by providing us with your email address and/or phone number. In addition to updates and confirmations, these communications may include critical information regarding your account, transactions, and service utilization. Please be cognizant of this. You acknowledge that the legal requirement for written correspondence is satisfied by any emails or letters we send you.
13. INDIRECT LINKS TO OTHER WEBSITES
The application or services may contain hyperlinks to websites, resources, or services operated by other organizations. Mirakash's comprehensive disclaimer of liability for any loss or damage that may result from the use of any third-party websites, services, or resources has been reviewed, and you have provided your consent. Mirakash is not accountable for the content, veracity, or utility of websites, services, or materials that are supplied by third parties.
14. ADVANTAGES AND RECOMMENDATIONS
In addition to its current offerings, Mirakash may occasionally offer referral programs, special discounts, or other benefits. Participants in the campaign, reward, or referral program will be informed of any supplementary limitations. By participating in any rewards program, referral program, or campaign, you consent to the terms and conditions that are in effect at the time.
15.RIGHTS TO ONLINE PROPERTY
The App, the Services, and any materials, content, or information that we provide are exclusively controlled by Mirakash or its licensors. You are prohibited from duplicating, modifying, distributing, or creating new versions of any of the content we provide without our explicit consent. It also recognizes that you are not the owner of any intellectual property and that you have no legal entitlement to it.
16. CONCLUSION AND INTRODUCTION
For any reason, we reserve the right to suspend or terminate your account and your use of the Services at any time if we suspect that you have violated any of the rules, in accordance with our Terms of Use. By furnishing us with written notification, you may terminate your account at any time. If the application is not promptly removed from your devices, you will be unable to access the services. If you continue to owe us money after your termination, there will be no financial repercussions.
17. RESPONSIBILITY AND DUTY
To the fullest extent permissible by law, these services are provided "as is" and without any supplementary warranties. Mirakash is not responsible for the services' complete security, utility, or veracity. Mirakash disclaims all liability for any specific, grievous, or additional damages that may result from the use or non-use of the services, despite acknowledging the potential for such damages. This encompasses all Mirakash employees and affiliates.
18. COMPENSATION FOR SERVICES OR WORK
In the event that you violate the Terms of Use, any laws, regulations, or the rights of others, you agree to defend and assist Mirakash and its partners against any claims, damages, or expenses, including legal fees, that arise from your misuse of the Services.
19. MODIFICATIONS TO THE TERMS OF SERVICE
The following terms and conditions are subject to change at any time. The new Terms of Use will be promptly implemented by the Apps. You are accountable for conducting routine evaluations of the Terms of Use and maintaining awareness of any modifications. You consent to any future modifications or additions to the Terms of Use by continuing to use the Services. You are required to immediately cease using the Services and deactivate any associated applications on your devices if you are not in agreement with the new Terms of Use..
20. LEADERSHIP
Without our prior written consent, you are prohibited from assigning or transferring any of your rights or obligations under these Terms of Use. We reserve the right to transfer our rights and obligations under these Terms of Use to another organization without your consent. This could occur if we merge with another organization, transfer assets, or establish a business partnership.
21. UNANTICIPATED AND UNPERCEIVED EVENTS
In the event of strikes, natural disasters, governmental mandates, or issues with utilities or communication, the parties shall not be held accountable for any difficulties or delays in adhering to these terms of use, with the exception of payment requirements.
22. REASONS TO OFFICIALLY APPLY FOR EXEMPTION
The individual who intends to enforce these regulations must sign and document your decision if you choose to disregard any of them. However, the Terms of Use's inapplicability or enforceability is not the sole cause of a party's inability to fulfill its obligations.
23. ACTIVITY
The other provisions will remain binding, regardless of whether a judge determines that any portion of these requirements is unlawful, void, or unenforceable. The parties' original intentions must be most accurately communicated by replacing an unlawful, unenforceable, or invalid provision with a reasonable, lawful, and enforceable provision.
24. THE ENTIRE AGREEMENT
Any prior verbal or written agreements or conversations regarding this matter are superseded by the regulations delineated in this article. This agreement encompasses the Privacy Policy and any other policies or guidelines that are explicitly stated, in addition to the exhaustive agreement between you and Mirakash regarding the services.
25. A LACK OF RESPECT FOR OTHERS
Mirakash and you are the sole parties authorized to exercise the rights and remedies outlined in these Terms of Use. This cannot be accomplished by any other business or individual. Third parties are not granted any benefits by these terms of usage.
26. OVERVIEW
Nevertheless, the headings of these usage guidelines are solely for the purpose of convenience and do not influence the interpretation or application of any of the rules.
27. INSPECTIONS
When sending significant correspondence, such as written letters, to the aforementioned email addresses, please comply with the guidelines outlined in these Terms of Use.
28. ARBITRATION AND DISPUTES UNDER PUBLIC LAW
Zambian law will govern any disputes or issues that originate from these Terms of Use or the Services. Zambian courts are the exclusive jurisdiction for the resolution of disputes or claims regarding the Services and these Terms of Use.