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Terms of Use

Use of Information

Unless restricted by applicable laws, you agree that any and all personal information/data relating to you collected by ExpressCredit.co.zm from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with ExpressCredit.co.zm’s prevailing Data Protection and Privacy Policy as amended from time to time and the laws and regulations of the Republic of Zambia.
In relation to any information or materials which you submit to ExpressCredit.co.zm using this Site, you hereby grant ExpressCredit.co.zm a worldwide royalty-free perpetual license of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.


You hereby agree to indemnify and to keep ExpressCredit.co.zm fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by ExpressCredit.co.zm arising from or which is directly or indirectly related to your violation of these terms or any third party’s rights, including, but not limited to, copyrights, proprietary and privacy rights


ExpressCredit.co.zm may terminate these Terms, your access to this Site and use of online services at any time, without prior notice to you.


ExpressCredit.co.zm reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Site and is entitled to from time to time amend the terms and conditions under which this Site is used with prior notice to you. If you continue to access this Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

Careers (employment), Volunteer and Internship Sections
ExpressCredit.co.zm requests contact information (such as name, email, and address), as well as personal information such as a resume and cover letter, from visitors on our employment, volunteer and internship opportunities pages. This information is used by us for personnel purposes only and is not shared with outside organizations.


We store information that we collect through cookies and log files to track the viewing preferences of our visitors, but we do not collect personal information through these means or share the information collected with third parties.


Cookies are small data files that a website you visit may save on your computer or handheld device that usually include an anonymous unique identifier. Our Site and those of our products may use cookies for user authentication, keeping track of your preferences, promotional campaigns, tracking our audience size and traffic patterns, and in certain other cases, we may include small graphic images in our email messages and newsletters to determine whether the messages were opened and links were viewed.

Third-party advertisers may also create and access cookies, which will be subject to their privacy policy- we accept no responsibility or liability for the use of such third parties’ cookies. If you do not wish cookies to be placed on your computer or handheld devices, then they can be disabled in your web browser, the option to do so is normally found in your browser’s “security settings” section. Please note that permanently disabling cookies in your browser may hinder your use of our Site as well as other websites and interactive services.


All security on our Site is treated seriously. Where applicable, we undertake security steps on our back-end system that store customers account information and to protect data transmissions. However, this is not a guarantee that such data transmissions cannot be accessed, altered or deleted due to firewall or other security software failures. If you have any further concerns about security, please email our Customer Service team at [email protected]