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Terms of Use

The terms for using the Azure Financial Services website, and important information about our lending.

Last updated: 12 October 2026

1. About these terms

These terms apply to your use of this website, operated by Azure Financial Services, 13 Monkey Close, Ibex Hill, Lusaka, Zambia. By using the website you agree to them. If you do not agree, please do not use it.

2. Lending information

Loan applications are subject to eligibility, assessment, approval, funding availability, and applicable terms. Submitting an enquiry or application does not guarantee approval. Information on this website is general and is not an offer of credit or personal financial advice.

Interest, fees, repayment schedules and other conditions are set out in the offer and agreement issued to you after assessment. Please read them carefully before accepting, and ask us to explain anything that is unclear.

3. Using the website

Please use the website lawfully and give accurate information when you contact us. You must not attempt to interfere with the website’s security or operation, use it to send unsolicited or unlawful material, or use automated tools to collect its content.

4. Intellectual property

The content, logo and design of this website belong to Azure Financial Services or its licensors. You may view and print pages for your own personal use, but may not copy, reproduce or republish them without our written permission.

5. Third-party links and services

This website may link to or load resources from other websites, such as fonts. We do not control them and are not responsible for their content or practices.

6. Availability and accuracy

We aim to keep the website accurate and available, but we do not promise it will be uninterrupted or error-free, and details such as products, eligibility and terms may change without notice.

7. Limits on our liability

To the extent permitted by law, Azure Financial Services is not liable for loss arising from your use of, or reliance on, this website. Nothing in these terms limits liability that cannot lawfully be limited.

8. Privacy and cookies

How we handle personal information is explained in our Privacy Notice, and how the website uses cookies in our Cookie Policy.

9. Governing law

These terms are governed by the laws of Zambia, and the courts of Zambia have jurisdiction over any dispute about them.

10. Changes and contact

We may update these terms from time to time; the date at the top shows the latest version. Questions can be sent to afs@azurefinzm.com.

Draft for review. This page is written in plain language to describe how this website works. It should be reviewed and approved by Azure Financial Services, and by legal counsel where required, before it is relied upon.