Effective Date: November 17, 2024
Website: www.wsdmmwale.com
CEO: Wisdom Mwale

Welcome to wsdmmwale.com. These Terms and Conditions (“Terms”) govern your use of our website and its services. Please read them carefully before browsing or engaging with our content. By using this site, you accept and agree to comply with these Terms in full. If you disagree with any part of these terms, kindly discontinue use of the website.

Overview of Our Platform

wsdmmwale.com is a Zambian platform created for the sole purpose of:

  • Recommending trusted loan providers such as Zamloan, Zamcash, Biumoney, and others.
  • Educating users about creditworthiness, financial literacy, and debt management.
  • Promoting responsible borrowing by helping you distinguish between good loans and bad loans.
  • Assist with credit record clearance, mobile money business consultancy, and business registration via partners.

NOTE: We are not a direct lender. Our goal is to guide you with transparent information, not to issue financial products ourselves.

User Eligibility

To use our services, you must:

  • Be at least 21 years of age;
  • Be a resident or legally permitted user in Zambia;
  • Use this website only for lawful, non-commercial purposes;
  • Not share false or misleading information during any inquiry or contact.

Informational Purpose Only

Content published on wsdmmwale.com is intended for educational and general informational purposes. While we make every effort to ensure accuracy:

  • We do not offer licensed financial or legal advice.
  • We cannot guarantee loan approval, interest rates, or eligibility.
  • Decisions made based on information here are solely your responsibility.

Always consult a qualified financial advisor or institution before entering any loan agreement.

Third-Party Links and Partnerships

Our website contains links to third-party websites, including:

  • Loan providers
  • Financial institutions
  • Registration portals
  • Credit bureaus

These links are provided for your convenience and reference. However:

  • We do not control the content, services, or terms of these third-party websites.
  • We are not liable for any damages or outcomes that arise from engaging with third-party providers.
  • Any information you submit to third-party sites is governed by their individual privacy policies and terms of use.

We advise you to read those third-party terms carefully before proceeding with any application or registration.

Affiliate Disclosure

Some of the third-party links on this website are affiliate links. This means we may earn a commission if you click a link and take action (e.g., apply for a loan or sign up for a service). These commissions allow us to offer free educational content to the public.

However, our recommendations are independent, honest, and based on genuine research. We only promote services we believe are beneficial to our audience.

Intellectual Property Rights

All original content on this website—including text, logos, graphics, blog articles, and layout—is the intellectual property of Wisdom Mwale and wsdmmwale.com, unless otherwise stated.

You may:

  • Share articles for non-commercial purposes with proper credit.

You may not:

  • Reproduce, republish, copy, sell, or distribute content without written consent.

Limitation of Liability

We strive to provide up-to-date and accurate information. However, wsdmmwale.com, its owner, and affiliates shall not be liable for:

  • Any financial or personal loss resulting from using the information on this website;
  • Loan application denials or negative outcomes from third-party providers;
  • Loss of data or damages due to viruses, cyberattacks, or interrupted service;
  • Decisions made based on articles, suggestions, or referrals found here.

Your use of the site is entirely at your own risk.

Changes to Terms and Conditions

We may revise, modify, or update these Terms and Conditions from time to time. You will always find the latest version on this page, with the date of last update at the top.

By continuing to use the site after changes are posted, you agree to be bound by the revised terms. We recommend checking this page regularly to stay informed.

Contact and Support

If you have any questions, requests, corrections, or suggestions related to these Terms or any other matter on our site, please contact us:

Wisdom Mwale
📧 Email: wsdmmwale@gmail.com
📞 Phone/WhatsApp: +260 975248906
🌍 Website: https://wsdmmwale.com
📍 Location: Mpulungu, Northern Province, Zambia

We welcome partnerships, corrections, and feedback to make the platform better.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Republic of Zambia. In the event of a dispute or misunderstanding, you agree that any legal proceedings shall be handled under Zambian jurisdiction.

Final Acknowledgement

By using wsdmmwale.com, you confirm that you have read, understood, and agreed to these Terms and Conditions. Your trust and responsibility in handling financial matters are essential. We encourage wise borrowing, clear records, and financial empowerment for every Zambian.