Terms and Conditions

1. Acceptance of Terms

By accessing and using the website of Kwacha Access Limited ("we," "our," or "us") at https://kwachaaccesslimited.com/, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. Services Overview

Kwacha Access Limited provides financing solutions for renewable energy technologies in Malawi, including but not limited to:

• Solar Energy Financing (for households and businesses).
• Biogas and Clean Cookstoves Financing.

All financial products are subject to application, credit assessment, and approval. Specific loan features, including interest rates, repayment terms, and fees, will be detailed in a separate Loan Agreement provided to approved applicants.

3. Eligibility

To apply for our financing services, you must:

• Be at least 18 years of age.
• Be a resident of Malawi.
• Provide accurate, current, and complete information during the application process.
• Have the legal capacity to enter into a binding contract.

4. Application and Approval

Submitting an application does not guarantee approval. All applications are subject to our internal credit assessment and risk management policies. We reserve the right to decline any application at our sole discretion. Approved loans are subject to the execution of a formal Loan Agreement.

5. User Responsibilities

As a user of our website and services, you agree to:

• Provide true, accurate, and complete information.
• Maintain the confidentiality of your account and login credentials (if applicable).
• Notify us immediately of any unauthorized use of your account.
• Use the website in compliance with all applicable local laws and regulations in Malawi.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Kwacha Access Limited or its content suppliers and is protected by Malawian and international copyright laws. Unauthorized use of any material is strictly prohibited.

7. Limitation of Liability

To the fullest extent permitted by law, Kwacha Access Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the website; (ii) any conduct or content of any third party on the website; or (iii) unauthorized access, use, or alteration of your transmissions or content.

8. Indemnification

You agree to defend, indemnify, and hold harmless Kwacha Access Limited, its employees, agents, and affiliates, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the website; (ii) your violation of any term of these Terms; or (iii) your violation of any third-party right.

9. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be liable for any damage or loss caused by or in connection with the use of such content, goods, or services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Malawi, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms or the website shall be instituted exclusively in the courts of Malawi.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised terms.

9. Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with us, please contact us at: