Terms and Conditions
Welcome to Sayiwe Microfinance. These Terms and Conditions govern your use of our website at sayiwemicrofinance.com and the services we provide. By accessing our website or using our services, you agree to be bound by these Terms and Conditions.
Acceptance of Terms
By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.
Eligibility
To be eligible for our financial services, you must:
- Be at least 18 years of age
- Be a legal resident or citizen of Malawi
- Have a valid national identification
- Have the legal capacity to enter into binding contracts
- Meet our credit assessment criteria
Loan Terms and Conditions
When applying for a loan or other financial services:
- All information provided must be accurate, complete, and truthful
- You agree to our credit assessment procedures
- Interest rates and fees will be clearly disclosed before loan disbursement
- Repayment terms must be strictly adhered to as agreed in your loan contract
- Late payments may result in additional fees and penalties
- We reserve the right to report defaulted loans to credit bureaus
Website Use
When using our website, you agree:
- Not to use the website for any unlawful purpose
- Not to attempt to gain unauthorized access to any part of our website
- Not to interfere with the proper working of the website
- Not to introduce viruses, trojans, or other malicious code
- Not to collect or harvest any information from the website without our permission
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Sayiwe Microfinance and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
Limitation of Liability
To the maximum extent permitted by law, Sayiwe Microfinance shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our website or services, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless Sayiwe Microfinance, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising from your use of our website or services or your violation of these Terms and Conditions.
Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these websites and are not responsible for their content or privacy practices. The inclusion of any link does not imply our endorsement of the linked website.
Termination
We reserve the right to terminate or suspend your access to our website or services at any time, without notice, for any reason, including if we believe you have violated these Terms and Conditions.
Changes to Terms and Conditions
We may update these Terms and Conditions from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page and encourage you to review our Terms and Conditions regularly. Your continued use of our website or services after any changes indicates your acceptance of the updated Terms and Conditions.
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of Malawi, without regard to its conflict of law provisions. Any dispute arising under these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Malawi.
Contact Us
If you have any questions or concerns about our Terms and Conditions, please contact us using the information provided on our Contact page.
Last Updated: June 15, 2025
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