Terms of Service

To use the Service, you must register for an account. When registering, you agree to:

• Provide accurate, current, and complete information about yourself and your organization.
• Maintain the security and confidentiality of your login credentials.
• Notify us immediately of any unauthorized access to your account.
• Be at least 18 years of age and have the legal authority to enter into these Terms on behalf of your organization.

You are responsible for all activities that occur under your account. LoanTrack is not liable for any loss or damage arising from your failure to safeguard your account credentials.

LoanTrack offers various subscription plans with different features and limits. By selecting a plan, you agree to the following:

You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Platform for any illegal lending practices or activities that violate applicable financial regulations.
• Upload, transmit, or store any malicious code, viruses, or harmful data.
• Attempt to gain unauthorized access to the Platform, other users' accounts, or our infrastructure.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use automated scripts, bots, or crawlers to access the Service without prior written consent.
• Resell, sublicense, or redistribute the Service to third parties without authorization.

Your data belongs to you. LoanTrack operates as a multi-tenant platform with strict data isolation:

• Ownership: You retain full ownership of all Customer Data entered into the Platform. LoanTrack does not claim any intellectual property rights over your data.
• Isolation: Each tenant's data is logically separated. No tenant can access, view, or modify another tenant's data.
• Export: You may export your data at any time in standard formats. Upon account termination, you will have 30 days to export your data before it is permanently deleted.
• License: By using the Service, you grant LoanTrack a limited license to process your data solely for the purpose of providing and improving the Service.

We strive to maintain 99.9% uptime for the Service. However, we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance (we will provide advance notice when possible).
• Emergency security patches or critical updates.
• Force majeure events, including natural disasters, internet outages, or third-party service failures.

Support is provided based on your subscription plan tier. Response times and support channels vary by plan.

The Service, including its design, features, code, documentation, branding, and all related intellectual property, is and remains the exclusive property of LoanTrack. These Terms do not grant you any rights to use our trademarks, logos, or brand assets without prior written permission.

Any feedback, suggestions, or ideas you provide about the Service may be used by LoanTrack without obligation or compensation.

Our total aggregate liability for any claims arising from these Terms or the Service shall not exceed the amount you paid to LoanTrack in the twelve (12) months preceding the claim.

LoanTrack is a technology platform and does not provide financial advice. You are solely responsible for ensuring your lending operations comply with all applicable laws and regulations in your jurisdiction.

Either party may terminate this agreement:

• By You: You may cancel your account at any time through the Platform settings or by contacting our support team.
• By LoanTrack: We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or fail to pay applicable fees after reasonable notice.

Upon termination, your right to access the Service ceases immediately. We will retain your data for 30 days to allow export, after which it will be permanently deleted.

These Terms are governed by and construed in accordance with the laws of the Republic of Zambia. Any disputes arising from these Terms shall be resolved through:

1. Negotiation: The parties shall first attempt to resolve disputes amicably through good-faith negotiation.
2. Mediation: If negotiation fails, the dispute shall be submitted to mediation.
3. Arbitration: If mediation is unsuccessful, the dispute shall be settled by binding arbitration in Lusaka, Zambia.

We may update these Terms from time to time. When we make material changes, we will notify you by email or through a notice on the Platform at least 30 days before the changes take effect.

Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must discontinue use of the Service.