Terms of Service

Last updated: 26 May 2026

These Terms of Service govern your use of the loan management services provided by Atsamera Consulting Limited. By registering for an account or applying for a loan, you agree to these Terms.

1. Eligibility

You must be at least 18 years of age, hold a valid Zambian National Registration Card (or, for businesses, valid registration documents), and provide accurate and complete information.

2. Loan Applications

All loan applications are subject to assessment, affordability checks, and approval at our discretion. Submitting an application does not guarantee approval. We may request additional documentation to verify your identity, income, or business.

3. Interest, Fees and Charges

Interest is charged at the rate disclosed in your loan offer and is calculated on a flat monthly basis over the loan tenure.
A processing fee and a credit life insurance premium apply and are disclosed before disbursement.
The full cost of credit, including all fees, is set out in your loan offer letter and repayment schedule.

4. Repayment

You agree to repay your loan in accordance with the agreed repayment schedule, whether by direct payment or payroll deduction. Late or missed repayments may attract penalties and may be reported to Credit Reference Bureaus.

5. Default

In the event of default, we may, in accordance with applicable law and your loan agreement, pursue recovery of outstanding amounts, list the account with a Credit Reference Bureau, and/or refer the matter to an external debt collector.

6. Your Obligations

You are responsible for keeping your account credentials confidential and for the accuracy of the information you provide. You must notify us promptly of any change to your contact or employment details.

7. Governing Law

These Terms are governed by the laws of the Republic of Zambia, and any disputes are subject to the jurisdiction of the Zambian courts.

8. Contact

Atsamera Consulting Limited — AGRIEN HUB, SD 46 GF 387A, Chipwepeupe Rd, Lusaka, Zambia

Email: atsamerconsulting@gmail.com · Phone: +260 967 213762 / +260 574 089376

These Terms are provided as a general template and should be reviewed by qualified legal counsel before being relied upon for a regulated lending business in Zambia.