PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING
Who we are and how to contact us
https://fanikiwa.co.tz/ is a site operated by Fanikiwa Microfinance Limited (“We”). We are registered
in the Republic of Tanzania under the Companies Act, CAP 202 and have our registered office at Ali Hassan Mwinyi Road, Dar-Es-Salaam. Our main trading address is Ali Hassan Mwinyi Road, Dar-Es-Salaam. Our TIN number is 111-169-268.
By using our site you accept these terms
If you do not agree to these terms, you must not use our site.
We recommend that you print a copy of these terms for future reference.
There are other terms that may apply to you
We may make changes to these terms
We amend these terms from time to time. Every time you wish to use our site, please check these
terms to ensure you understand the terms that apply at that time. These terms were most
recently updated on 15/12/2020.
We may make changes to our site
We may update and change our site from time to time to reflect changes to our products, our
users’ needs and our business priorities.
We may suspend or withdraw our site
Our site is made available free of charge.
they comply with them.
We may transfer this agreement to someone else
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
Our site is only for users in the Republic of Tanzania
Our site is directed to people residing in the Republic of Tanzania. We do not represent that content available on or through our site is appropriate for use or available in other locations.
You must keep your account details safe
password, you must promptly notify us at email@example.com.
How you may use material on our site
Do not rely on information on this site
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
We are not responsible for websites we link to
Where our site contains links to other sites and resources provided by third parties, these links
are provided for your information only. Such links should not be interpreted as approval by us of
those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources.
User-generated content is not approved by us
This website may include information and materials uploaded by other users of the site, including
to bulletin boards and chat rooms. This information and these materials have not been verified or
approved by us. The views expressed by other users on our site do not represent our views or
How to complain about content uploaded by other users
If you wish to complain about content uploaded by other users, please contact us on fanikiwa.co.tz
Our responsibility for loss or damage suffered by you
- We exclude all implied conditions, warranties, representations or other terms that may apply
to our site or any content on it.
- We will not be liable to you for any loss or damage, whether in contract, tort (including
negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in
- use of, or inability to use, our site; or
- use of or reliance on any content displayed on our site.
- In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
How we may use your personal information
We will only use your personal information as set out in our Data Protection Policy.
Uploading content to our site
Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our Data Protection Policy.You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights,or of their right to privacy.You are solely responsible for securing and backing up your content.
We are not responsible for viruses and you must not introduce them
We do not guarantee that our site will be secure or free from bugs or viruses.You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. If you breach this provision, we will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Rules about linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.You must not establish a link to our site in any website that is not owned by you.Our site must not be framed on any other site, nor may you create a link to any part of our site
other than the home page.We reserve the right to withdraw linking permission without notice.The website in which you are linking must comply in all respects with the content standards set in our Data Protection Policy.If you wish to link to or make any use of content on our site other than that set out above, please
Which country’s laws apply to any disputes?