Terms and Conditions

Introduction

By using the chatbot, you agree to these terms, our Privacy Policy, and any future updates communicated via WhatsApp or our website.

Services Provided

The chatbot offers the following services:

• Instant loan applications & eligibility checks
• Loan calculators & repayment estimates
• Application tracking & chatbot support
• Salary-Based, Personal, Business & Educational Loans
• Secure, encrypted, and professionally managed services

Data Collected

We collect the following information:

• Name and national ID
• Contact details
• Employer and income information
• Uploaded files (payslips, bank statements)

Purpose of Data Use

Your data is used to process loan applications, assess creditworthiness, provide customer support, and comply with regulatory obligations.

Legal Basis

By using the chatbot, you provide explicit consent under the Cyber and Data Protection Act [Chapter 12:07] and SI 155/2024. You may revoke consent by emailing operations@panamax.co.zw.

Confidentiality & Security

Data is encrypted and access is restricted to authorized Panamax Capital staff and regulators. Your information will never be shared with third parties without legal basis or your permission.

User Responsibilities

You must provide truthful and accurate information and protect your WhatsApp account from unauthorized use.

Loan Processing Disclaimer

Loan application via chatbot does not constitute approval. Each application is subject to internal credit review and documentation checks.

Limitations of Liability

Panamax Capital is not responsible for technical failures, network interruptions, or unauthorized use of your WhatsApp account.

Updates & Notifications

We may amend these terms. Major changes will be communicated through WhatsApp or posted on our website.