Privacy Policy

Last updated: 21 October 2026

Zed-Fin Financial Services Limited (“Zed-Fin”, “we”, “us”) is committed to protecting your privacy. This policy explains how we collect, use, store and protect your personal data. We process personal data in compliance with the Data Protection Act No. 3 of 2021 of the Republic of Zambia.

1. Information We Collect

We collect information you provide and information generated when you use our services, including: your name and contact details, mobile money account and phone number, loan application and repayment history, and technical data such as device and usage information when you visit our website.

2. How We Use Your Data

We use your data to assess and process loan applications, manage repayments, provide customer support, prevent fraud, comply with legal and regulatory obligations, and improve our services. We process your data on the lawful bases of contract, legal obligation, and your consent where required.

3. Sharing Your Data

We share data only where necessary: with MTN and Airtel to facilitate transactions, with credit reference bureaus and regulators as permitted or required by law, and with service providers who act on our behalf under confidentiality obligations. We do not sell your personal data.

4. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes described here and to meet legal, regulatory and accounting requirements, after which it is securely deleted or anonymised.

5. Data Security

We apply appropriate technical and organisational measures to protect your data against unauthorised access, loss or misuse. Transactions are processed through the secure infrastructure of the mobile network operators.

6. Your Rights

Under the Data Protection Act No. 3 of 2021, you have the right to access your personal data, request correction or deletion, object to or restrict certain processing, and withdraw consent where processing is based on consent. To exercise these rights, contact us using the details below.

7. Changes to This Policy

We may update this policy from time to time. The “last updated” date above reflects the most recent revision.

8. Contact

For privacy queries or to exercise your rights, contact Zed-Fin Financial Services Limited, William Lesa Chola Place, 10443 Bishops Road, Kabulonga, Lusaka, Zambia. Email: customerservice@zedfin.co.zm.