HorseDunku enables individuals to submit loan applications. By creating an account, logging in, downloading and installing the HorseDunku Apps, or utilizing the Services, you are agreeing to these terms.
It is imperative that you comprehensively evaluate these terms of use and ascertain whether they are relevant to your financial situation before utilizing the services or opening an account. If you are not in agreement with our policies, you must promptly discontinue your use of the services.
It is essential that you consistently monitor the content of the applications in order to be promptly informed of any modifications to the Terms of Use. You acknowledge and agree to the revised terms of use by using the services after they have been modified.
1. SERVICES AVAILABLE
Upon the confirmation of your account and registration, you will have immediate access to the Services. These Terms of Use will be applicable to any financing services we offer, if you so choose. You recognize and accept this.
2. SERVICE PRICES SPECIFIED
You acknowledge that, by registering for an account or requesting access to the Services, you:
You are a resident of Zambia and are at least eighteen years old. Your Zambian identification certificate remains valid.
3. METHOD OF LOANING MONEY
HorseDunku is the sole entity with the authority to approve or deny petitions for consumer finance services and loans. You acknowledge and agree that HorseDunku is not responsible for any unfavorable outcomes, missed opportunities, or other monetary losses that may arise as a result of the decision to approve or reject a loan.
We are not obligated to provide an explanation for the credit decisions we make.
4. IDENTITY AND SAFETY
To access the Services, it is necessary to create an account. It is essential that you furnish current, accurate, and comprehensive information about yourself when enrolling. Additionally, you agree to promptly update any outdated information to guarantee that the information on your account is accurate, comprehensive, and current. It is your responsibility to ensure the confidentiality of your account information and password. Another factor to take into account is the limitation of access to the devices that are utilized to access the services and applications. All actions associated with your account or password are directly your responsibility, as you are aware.
5. REMITTS AND COSTS
The service fees and any other expenses, such as late payment penalties, are displayed by the application. All costs and fees associated with the services are your responsibility.
6. ACCESSIBLE VIA OTHER APPS
In addition to the Services, these regulations are also applicable if you employ HorseDunku or other platforms, applications, or services. You acknowledge and consent to the terms and conditions of any other applications, websites, or services that utilize the Services. By utilizing the Services on other platforms, websites, or applications, you are agreeing to these Terms of Use.
7. INSTRUCTIONS FROM ANOTHER SUPPLIER
In order to facilitate operational oversight or service delivery, HorseDunku may engage external contractors, agents, or service providers. In order to execute their services for HorseDunku, these third-party service providers may require access to personal information regarding you, your account, and other data. You are granting your consent to this by utilizing the Services. You acknowledge and agree that HorseDunku is not responsible for the actions of external service providers. However, HorseDunku makes every effort to select reputable vendors who will manage your data in accordance with our privacy statement and legal obligations.
8. DATA PROTECTION AND PRIVATE INFORMATION MAINTAINMENT
To us, your privacy is of the very highest importance. The manner in which we will manage your personal information is determined by our Privacy Policy, which is a component of these Terms of Use. You have reviewed our privacy policy and understand its terms. Your consent to the collection, use, and sharing of your personal information in the fashions indicated in the policy is granted by your use of our services.
9. RECOGNIZE THE SHARING OF PRIVATE INFORMATION
By utilizing our services, you authorize HorseDunku to collect, utilize, store, and manage your personal data in accordance with our privacy statement. We reserve the right to disclose your personal information to other organizations in accordance with our Privacy Policy in order to improve your experience, comply with legal obligations, and provide our services. You are aware of this. You acknowledge that you have reviewed, understood, and consented to our Privacy Policy, which is a component of our Terms of Use, by creating an account or using the Services.
10. ENGAGE IN THE THROWING OF ITEMS
In the event that you neglect to reimburse HorseDunku, they may resort to legal action to enforce the obligation in accordance with the law. The collection procedure may involve the use of other communication methods, such as messaging, emailing, or calling, in addition to the utilization of third-party collection agencies. You authorize HorseDunku to contact the individuals you designated as references in your Services application in order to expedite the verification or information-gathering process. You authorize HorseDunku and any other collection agencies to utilize your current contact information to communicate with you regarding any outstanding debts. Furthermore, you agree to work with them to resolve any outstanding disputes.
11. ASSISTING CLIENTS AND COMPLETING PAPERWORK
We assure you that we will provide exceptional services and address any complaints or issues you may have in a timely and effective manner. Please send an email to help@horsedunku.com if you have any queries or concerns regarding the services or any aspect of your experience at HorseDunku. Upon receipt of your complaint, a viable solution will be developed and addressed. Please ensure that your email includes a thorough account of your complaint or concern, as well as any pertinent documentation or information that could be helpful in resolving the issue.
12. PERMITTING OTHERS TO ACCESS DIGITAL MESSAGES AND OTHER INFORMATION
By consenting to receive electronic communications from HorseDunku and providing HorseDunku with your email address and/or phone number, you are utilizing our services. As well as information concerning your account, transactions, and utilization of our services, these communications may include updates, confirmations, and other critical information. Please be cognizant of this. You acknowledge and consent that any emails or messages we send you satisfy the legal requirement for written correspondence.
13. LINKS TO EXTERNAL WEBSITES
The application or services may contain hyperlinks to websites, services, or resources that are operated by other organizations. HorseDunku's complete disclaimer of liability for any harm or loss that may result from your use of any of the websites, services, or resources provided by third parties is acknowledged and consented to by you. HorseDunku is not responsible for the accuracy, accessibility, or information of websites, services, or resources that are provided by external entities.
14. ADVANTAGES AND SUGGESTIONS
HorseDunku may occasionally provide referral schemes, exclusive offers, or other benefits in conjunction with its services. Participation in a campaign, referral program, or award will result in notification of any pertinent supplementary restrictions. You agree to the terms and conditions that are in effect at the time by participating in any rewards program, referral program, or campaign.
15. RIGHTS TO INTERNET PROPERTY
HorseDunku or its licensors maintain exclusive control over the App, the Services, and any materials, content, or information we furnish. We grant you the right to refrain from duplicating, modifying, distributing, or creating new versions of any content we provide without first obtaining our explicit consent. The fact that you are not the owner of any intellectual property and have no legal claim to it is also acknowledged.
16. COMMINGLING AND ENDING
We reserve the right to suspend or terminate your account and your use of the Services at any time and for any reason if we suspect that you have violated any of the rules, in accordance with our Terms of Use.. You are free to formally inform us at any time that you wish to terminate your account. You will be unable to access the services if the application is not promptly withdrawn from your devices. Your termination will not result in any financial repercussions if you are in debt to us.
17. RESPONSIBILITY AND PRECAUTIONS
To the utmost extent permissible by law, the Services are provided "as is" and without any warranties. HorseDunku disclaims all liability with regard to the services' accuracy, accessibility, and complete security. HorseDunku does not assume any responsibility for any additional, particular, or egregious damages that may arise from the use or incapacity to use the services, even if they have been forewarned of the potential for such damages. This applies to HorseDunku and all of its employees and associates.
18. COMPENSATION FOR SERVICES OR WORK
In the event that you violate any laws, regulations, the rights of others, or misuse the Services in violation of the Terms of Use, you agree to defend and assist HorseDunku and its partners against any claims, losses, or expenditures, including legal fees.
19. MODIFICATION OF THE SERVICE TERMS
These terms and conditions are subject to modification at any time. The Apps will promptly implement the modifications to these Terms of Use. It is your obligation to consistently examine the Terms of Use and remain informed of any updates. You acknowledge and agree to any prospective modifications or additions to the Terms of Use by continuing to use the Services. Discontinue your use of the Services and deactivate the Apps from your devices immediately if you are not in agreement with the revised Terms of Use.
20. WORKOUT MANUAL
Without our prior written consent, you are prohibited from assigning or transferring any of your rights or responsibilities under these Terms of Use. We may transfer our rights and responsibilities under these Terms of Use to another organization without your consent. This could happen if we merge with another organization, transfer assets, or enter into a business partnership.
21. UNFORESEEN AND UNANTICIPATED OCCURRENCES
The parties shall not be held responsible for any complications or delays in adhering to these terms of use that may result from strikes, natural disasters, governmental mandates, or issues with communication or utilities, with the exception of payment requirements.
22. REASONS FOR FILING AN OFFICIAL EXEMPTION REQUEST
The party that intends to enforce any rule in these Terms of Use that you choose not to comply with must sign and record it. It is not the case that a party is relinquishing any rights or obligations under the Terms of Use solely because they are not applicable or enforceable.
23. COMPOSIBILITY
If a court determines that any section of these conditions is unlawful, unenforceable, or unimplementable, the remaining provisions will remain in effect. It is necessary to replace any provision that is illegal, unenforceable, or invalid with one that is reasonable, lawful, and enforceable, and that most closely approximates the parties' original intentions.
24. THE ENTIRE AGREEMENT
The regulations delineated in this document supersede any previous written or oral agreements or discussions concerning the subject matter. In addition to the entire agreement between you and HorseDunku regarding the services, these agreements also include the Privacy Policy and any other explicitly stated policies or guidelines.
25. LACK OF INTEREST IN OTHERS
You and HorseDunku are the only parties with rights and remedies under these Terms of Use; no other individual or company is permitted to do so. There is no benefit to any third party from these terms of use.
26. ABSTRACT
The headings in these terms of usage are exclusively for the purpose of convenience and do not affect the interpretation or application of any of the regulations.
27. VIEWS
When sending any written correspondence or other essential communications to the email addresses supplied, please comply with the instructions outlined in these Terms of Use.
28. ARBITRATION AND DISPUTES IN PUBLIC LAW
Zambian law will regulate the interpretation of these Terms of Use and any disputes that may arise from them or the Services. The courts of Zambia shall be the exclusive forum for the resolution of any disputes or claims regarding the Services or these Terms of Use.