Terms of Service

Last updated: to be confirmed. These terms apply to QLoans and every other Quantum Insights product you subscribe to.

1. Agreement

[Who the agreement is between, when it takes effect, and that using QLoans means accepting these terms.]

2. Your account and workspace

[Eligibility, accurate registration details (PACRA number, TPIN), responsibility for staff users and credentials.]

3. Free trial, subscriptions and billing

[30-day free trial, card on file, charging from the end of the trial, plan changes at the next billing cycle, messaging bundles and per-message overage, VAT, refunds.]

4. Referral programme

[How referral codes work, when a commission is earned, and how it is paid.]

5. Acceptable use

[Lawful lending only, no abuse of messaging channels, compliance with Bank of Zambia and data-protection requirements.]

6. Data and privacy

[Your borrowers' data stays yours; how Quantum Insights processes it; security commitments; retention.]

7. Availability and support

[Service levels, maintenance windows, and how to reach support.]

8. Termination

[Cancelling your subscription, suspension for non-payment or misuse, what happens to your data afterwards.]

9. Liability

[Limits of liability and disclaimers.]

10. Governing law

[The laws of Zambia and how disputes are resolved.]