Izwe Loans Zambia Plc registered in the Repubic of Zambia under registration no. 120050059445 (“us/we/our”) is committed to maintaining the privacy and security of your personal information which you provide to us through this website (“the Site”).

We seek to employ best practice when it comes to the collection and processing of personal information to comply with applicable data protection legislation and relevant laws.

This privacy policy sets out the basis and governs the processing (which includes the collection, storage, use, sharing and disposal) of personal information which we may collect from you, or that may be provided to us either through the Site or via email or other correspondence.

Please read this privacy policy carefully before you continue to use the Site or provide us with any of your personal information so that you understand how it will be treated.  

By accessing the Site and/or providing us with your personal information, you acknowledge that you are aware of the practices described in this privacy policy and you agree that your personal information may be used and processed as set out herein. If you do not want us to process your personal information for the purposes stipulated in this privacy policy and/or you do not agree to the terms of this privacy policy, please do not continue to use the Site and do not disclose any personal information to us through this Site.  


We collect personal information from you when you voluntarily provide such information to us through your access and use of the Site, during conversations or correspondence with our representatives, or when you use our services and/or complete an application form.

Personal information is defined as any information capable of identifying a natural person, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to a person’s physical, physiological, mental, economic or cultural identity.

Information that does not identify a person, such as anonymous or aggregated data, is not covered by this privacy policy. We may collect, use and disclose such information in order to evaluate and improve our service offerings, communicate to our service providers, advertisers and affiliates, or for other purposes without limitation. This information is pooled so that any individual’s personal information, behaviour or patterns cannot be identified.

The Site is not intended for children and we do not knowingly collect information relating to children.

You hereby warrant that any personal information you provide to us about yourself is complete and accurate. Further, where you give us personal information about another person, you warrant that you have that person’s express permission to give us their personal information. In the event that you change any of your personal information, you are required to notify us of such changes as soon as this is reasonably possible.

We will:

  • treat your personal information as strictly confidential, save where we are entitled to disclose it as set out in this privacy policy;
  • take appropriate technical and organisational measures to ensure that your personal information is kept secure and is protected against unauthorised or unlawful processing, accidental loss, destruction or damage, alteration, disclosure or access;
  • provide you with access to your personal information to view and/or update personal details;
  • promptly notify you if we become aware of any unauthorised use, disclosure or processing of your personal information;
  • provide you with reasonable evidence of our compliance with our obligations under this privacy policy on reasonable notice and request; and
  • upon your request, promptly return or destroy any of your personal information in our possession or control, save for that which we are legally obliged to retain.


We will only collect, use and share your personal information for the following purposes:

  • to provide services to you;
  • to notify you about changes to our products and services;
  • to consider and respond to queries that you submit using the “contact us” section of the Site;
  • to manage the Site and improve your user experience;
  • to set up a profile and open and manage your account for the Site;
  • to comply with a relevant legal or regulatory obligation that we have;
  • to investigate and detect any unlawful activities in relation to your account;
  • to analyse information in order to identify new trends and develop new products and services;
  • to contact you regarding current or new promotional products or rewards or any other products or services offered by us or any of our divisions and/or partners (unless you have not consented to receive marketing material from us);
  • in order to receive services from any of our service providers or representatives;
  • if we have your consent to using your personal information for any particular activity.

Notwithstanding the above provisions, we may use or share your personal information if such use or sharing is required in order to comply with any applicable law, subpoena, order of court or legal process served on us, or to protect and defend our rights or property and our legitimate interest as a commercial organisation. In the event of fraudulent activity, we are entitled to disclose relevant personal information for criminal investigation purposes or in line with any other legal obligation for disclosure of the personal information.


If you have consented to receive marketing material from us, we will use your personal information to send you updates about our products and services that we believe will be of interest to you. This consent can be expressed (for example by agreement) or implied (for example where you have been given an opportunity to opt-out of a specific form of marketing but have chosen not to do so).

If you do not wish to continue receiving marketing material you may contact us to opt-out and your information will be removed from the mailing list. In addition, if at any time you wish not to receive any future communication from us or you wish to have your name deleted from our mailing lists, please contact us as indicated below.

You can also request that we change the manner in which we contact you for marketing purposes, as far as practically possible. We will respect your preferences for how you would like us to manage marketing activity with you.


We use cookies to personalise and enhance your experience on the Site. Cookie technology comprises of small bits of data or small text files which are given to your browser by our web-server when visiting the Site.

Cookies help us remember information about your visit to the Site, like your country, language and other settings. They can also help us to operate the Site more efficiently and make your next visit easier. As such, cookies are unable to gather information (about you or your computer) or function on their own. Cookies simply enable us to provide a more valuable online experience to you.

By using the Site, you agree to our use of cookies.


You might find external links to third-party websites on the Site. This privacy policy does not apply to your use of any third party website.

If you follow a link to any third party website, please check its privacy policies before you submit any personal information to those websites. 

If you disclose your personal information to a third party, such as an entity which operates a website linked to the Site, we will not be liable for any loss or damage, howsoever arising, suffered by you as a result of the disclosure of such information to the third party. This is because we do not regulate or control how that third party uses your personal information.


Personal information that you provide to us is stored in a secure environment and is not available to any person except as set out in this privacy policy.

We will store your personal information for as long as is reasonably necessary and for the purposes for which it was collected, and for so long as required in accordance with legal, regulatory, tax and accounting requirements.

Where your information is no longer needed, we will ensure that it is disposed of in a secure manner.


We have implemented and maintain appropriate technical and organisational security measures, policies and procedures to reduce the risk of unauthorised disclosure or access to personal information.

Whilst we will do all things reasonably necessary to protect your rights of privacy, we cannot guarantee or accept any liability whatsoever for unauthorised or unlawful disclosures of your personal information, whilst in our possession, made by third parties who are not subject to our control, unless such disclosure is as a result of our gross negligence or fraud.

Further, we cannot be held responsible for security breaches occurring on your electronic device (personal computer or other electronic device used to browse this Site), which may result due to the lack of adequate virus protection software or spyware that you may inadvertently have installed on your device or disclosure of your personal information due to errors or unauthorised acts of third parties during or after transmission.

We will never request that you provide us with sensitive information such as your account number, PIN or password via email. Be suspicious of any email message or link that asks you to enter or verify such sensitive information by replying to the email message.

It is your responsibility to control the dissemination and use of your PIN, password and control access to and use of your account, and notify us when you desire to cancel your account on this Site. We are not responsible or liable for any loss or damage arising from your failure to comply with this provision.


We operate on a global basis. Accordingly, your personal information may be transferred and stored in countries including Mauritius and South Africa, that are subject to different standards of data protection.

We will ensure that all of our employees, representatives, third-party service providers, divisions and partners having access to your personal information are bound by appropriate and legally binding confidentiality obligations in relation to your personal information.

We will take appropriate steps to ensure that transfers of personal information are in accordance with applicable law and carefully managed to protect your privacy rights.

If in the future, we sell or transfer some or all of our business or assets to a third party, we may disclose personals information to a potential or actual third party purchaser of our business or assets.


We may review and amend this privacy policy as required from time to time to keep it up to date with legal requirements.

Any changes made to this privacy policy in the future will be posted on the Site and your continued use of the Site after any changes or revisions shall indicate your acceptance of the revised terms.

Unless otherwise stated, the current version viewed on the Site shall supersede and replace all previous versions of this privacy policy.

Please regularly check the Site for the latest version of the privacy policy. This version of the privacy policy was last updated on 7 July 2020.


If you have any questions, concerns or complaints regarding our compliance with this privacy policy, the information we hold about you or if you wish to exercise your rights in terms hereof, please contact us at