SenteYo ("we," "us," or "our") offers users the opportunity to acquire lending financing services. By utilizing the Services, creating an account, logging in, or downloading and installing the SenteYo (collectively, the "Apps"), you consent to these terms.

It is imperative that you thoroughly review these terms of use and determine whether they are applicable to your personal or financial circumstances prior to utilizing the services or creating an account. If you are not in agreement with these terms of use, you should immediately cease using the services.

It is your responsibility to regularly review the content posted on the Apps in order to receive timely notification of any modifications to these Terms of Use. By continuing to utilize the services, you consent to the revised terms of use upon their publication.

1. THE PROVISION OF THE SERVICES

If you have registered and your account has been approved by us, you will be able to apply for the Services. If you would prefer, these Terms of Use and the terms and conditions specified in the SenteYo Credit Agreement will apply to any lending financing services that we provide you. You acknowledge and agree to this.

2. APPROPRIATION FOR THE SERVICES

When you submit an application for the Services or establish an account, you represent and warrant to us that:

you are a resident of the Republic of Zambia and are eighteen (18) years of age or older; you possess a current Zambian ID;

3. CREDIT OPTIONS

SenteYo is the sole entity with the authority to determine whether or not to approve or deny credit and consumer financing services. You acknowledge and consent that SenteYo shall not be held accountable for the decision to grant or deny credit, or for any repercussions that may result from such decisions, including, but not limited to, financial loss or damage, denial of opportunities, or any other adverse effects. We are not obligated to provide any justification for our credit decisions.

4. PROTECTION AND IDENTITY

In order to access the Services, it is necessary to establish an account. You are required to provide precise, comprehensive, and current information about yourself during the registration procedure. You also agree to promptly update your account information as necessary to ensure that it is accurate, complete, and up-to-date. It is your responsibility to restrict access to the devices you use to access the Apps and Services, as well as to safeguard the privacy of your password and account information. You acknowledge that you are responsible for all actions taken by using your account or password.

5. AVAILABLE THROUGH THIRD-PARTY APPS

These Terms of Use are also applicable when the Services are accessible through other platforms, applications, or services, such as SenteYo. You represent and warrant that your use of the Services on or through such other applications, platforms, or services is in compliance with the terms and conditions of those applications, platforms, or services. By accessing or utilizing the Services through such other applications, platforms, or services, you consent to be bound by these Terms of Use.

6. PRIVATE USE AND DATA PROTECTION

The privacy you possess is highly regarded by us. We will manage your personal information in accordance with our Privacy Policy, which is incorporated into these Terms of Use and is referenced. By utilizing the Services, you acknowledge that you have read and comprehended our privacy policy and consent to the collection, use, and dissemination of your personal information in accordance with it.

7. AGREEMENT TO PRODUCE PERSONAL DATA

When you utilize the Services and provide us with your personal information, you explicitly consent to SenteYo's collection, use, storage, and processing of your information in accordance with our Privacy Policy. You are cognizant of the fact that, in order to enhance your user experience, comply with relevant laws and regulations, and provide the Services, we may disclose your personal information to third parties, as outlined in our Privacy Policy. By creating an account or utilizing the Services, you confirm that you have read, understood, and consent to the terms of our Privacy Policy, which is incorporated by reference into these Terms of Use.

8. CLIENT SUPPORT AND REPORTS

We are committed to ensuring that you receive exceptional services and that any complaints or concerns you may have are resolved in a timely and effective manner. If you have any complaints or concerns regarding the Services or any aspect of your experience with SenteYo, please do not hesitate to contact our customer support staff at help.contact-zm@senteyo.com. Upon receipt of your complaint, we will promptly address it and endeavor to identify a solution that is both timely and effective. Please include a comprehensive description of your complaint or concern, as well as any corroborating documents or information that can assist us in resolving the issue, in your email.

1. About these Terms of Use

Please peruse these Terms of Use meticulously. They constitute both an electronic financial service and an end-user license agreement. By registering for or utilizing any aspect of the SenteYo service ('Service'), you affirm that you have thoroughly read,comprehended, accepted, and agreed to these Terms of Use, and you shall be bound by them. Failure to agree to these Terms of Use prohibits you from accessing or utilizing any portion of the Service. These Terms of Use establish a legally binding agreement between you, as an individual user ('You' or 'Your'), and SenteYo ('We,' 'Us,' or 'Our').

These Terms of Use, along with any amendments or modifications thereto, become effective respectively upon their date of publication

2. Definitions and Interpretation

2.1 In these Terms of Use, the following terms hold the specified meanings:

· Group Companies: Includes a person and its Affiliates, construed accordingly.

· Service Fees: Fees and charges payable for using the Service, as published by Us in the App or through other means determined at Our discretion. Service Fees are subject to change at Our sole discretion.

· Specific Terms: Supplementary or alternative terms applicable to specific parts of the System or Service, as notified to You periodically.