SAVA Terms Of Use

Below are the SAVA-TECH  Website’s terms and conditions that apply when you access and use the SAVA-TECH (“Site”). These Terms of Use apply between you and SAVA-TECH FINANCIAL SERVICES LIMITED (registration number 164481298) and any of its affiliated companies (“SAVA-TECH”, “we”, “our” or “us”) along with the other legal documents that govern the Site

Important information

  • Use of the Site. These Terms of use apply to your use of the Site. This includes the Site itself and its content (including the text, images and other information on the Site. By accessing the Site you agree to be bound by the Terms of use.
  • Legal agreement. You agree to be legally bound by the Terms of Use by visiting and using the Site. You may not use the Site and must immediately stop doing so if you do not agree to the Terms of Use.
  • Product and Platform terms. Separate terms apply to our products and services and if you use our products or services these will apply to you. We will make them available to you when you take up a product with us.
  • Changes to the Terms of Use. We may change these terms at any time without notice by updating this posting and by continuing to access this Site you accept such changes.

Use of and access to the Site

  • Information on the Site. The information held on this Site is for your personal, non-commercial use only. You may not transmit, modify, copy or make commercial use of the Site or any part of it without our prior permission. The intention behind the Site is to give you information about T-BRIDGE.
  • Non-commercial use. You may download and/or print out all or part of the Site for your own personal, non-commercial use. Any reproduction of the content on the Site must include the relevant copyright notice.
  • We grant you a limited license to use the Site. We may cancel your license at any time for any reason. Your license is automatically cancelled if you do not get our written permission before using this Site in a way these Terms of Use do not allow.
  • While we try to ensure that access to the Site is always available. We may change, suspend or discontinue the Site or any part of it, without notice. The Site or any part of it may not always be available.
  • Taking away access. We may take away your rights to use the Site or the content for any reason, without notifying you.
  • If you breach the Terms of Use or infringe any other person’s rights (including copyright), we may cancel your license, block you from using the Site, claim specific performance or damages against you, and take any other steps the law allows, without affecting our rights.

Prohibited Use

You are not allowed to:

  • introduce any materials that are designed to hamper the operations of the Site or its content;
  • damage, disable, overburden, impair, or gain unauthorized access to the content or the Site;
  • remove, modify, disable, block, obscure or otherwise impair any advertising displayed on, or used in connection with the Site;
  • use the Site or the content to advertise or promote products or services that we have not expressly approved in writing in advance;
  • interfere with anyone else’s use and enjoyment of the Site;
  • attempt to discover or reverse engineer the source code and other materials forming part of the technology used to provide the Site or forming part of the content;
  • receive or charge money, favors or other consideration for allowing any other person to use or access the Site or the content.
  • do anything that violates any of these Terms of Use;
  • do anything which is illegal, fraudulent or violates or infringes any rights, title or interest (including, any intellectual property rights) in or to this Site or its content;
  • deep link (link to any page other than the home page of this Site) or link in any way that could suggest that we endorse or support you or a third party, or that you have any rights in our Site or intellectual property, without our permission;
  • remove, disable, bypass, or circumvent any protection mechanisms or access control mechanisms on the Site;
  • use any technology (including spiders, crawlers, bots, and similar virtual agents) to search or gain any information from this Site, without our permission;

Sava Account

  • By making an application for credit or registering as an investor on the Exchange, you agree and confirm:
  •  All the information you have provided is accurate and correct and you are the person whose details you have provided;
  • You can enter into a legally binding agreement with us;
  • You will only use the Exchange for investing or borrowing purposes as envisaged by these Terms and the applicable Investor Terms or Loan Contract;
  • You have provided a current address, telephone number and e-mail address and will notify us immediately if your contact details change;
  • In the case of an individual, you are 18 years of age or over and capable of taking responsibility for your own actions;
  •  In the case of a company, you are an officer of the company or you are otherwise authorized to act on behalf of the company;
  • You authorize us, at any time, to use any means that we consider necessary to verify your identity with any third-party providers of information. Please refer to the Privacy Policy for details of steps we may undertake to do this.
  •  If an application for credit has been made by a third party on your behalf (for example by a credit broker), you will be asked to confirm that the information entered by the third party is true and accurate before you enter into the Loan Contract. By doing so, you confirm the statements in previous section  are correct.
  • When you register or apply for credit on the Exchange (or in the case of an application made by a third party, when you first access your account) you will be given a Sava account number and asked to set a password. You agree to keep your password and Sava account number strictly confidential and you must not disclose them to any third party. You agree to protect them in the same way as you would the details of your bank account or your bank cards. Any failure to do so shall be at your sole risk and expense.
  •  You should change your password on a regular basis. Passwords should contain a mixture of upper and lower-case letters and numbers and/or symbols. Passwords are case sensitive and we recommend the use of passwords that combine a combination of numbers, symbols and letters in different cases. This will help to prevent the risk of unauthorized use of your account.
  • You agree that we are entitled to assume all correspondence, orders, transfers and instructions made by reference to your password and account number are made by you. You agree to inform us immediately by e-mail and by telephone if you know or suspect that any of your account information or password are being misused so that we can take any actions necessary to protect your account, which may include suspending your account.
  • We can close or suspend your Sava account (and stop providing any services) by giving you at least two months’ notice.
  • We may end our agreement with you, stop providing any services and close your Sava account immediately if we reasonably believe you have seriously or persistently broken any terms of the agreement (including these Terms, the Investor Terms and the Loan Contracts) or we have reasonable grounds for thinking you have done any of the following things:
  • You do not respond to our reasonable requests for information or you fail to provide such information;
  • We suspect that you have committed or have been involved in fraud, money laundering or other criminal activities;
  •  You inappropriately let someone else use your account;
  • We discover that any information you have provided to us is materially incorrect, inaccurate, false or misleading;
  • You put us in a position where we might break a law, regulation, code or other duty that applies to us if we maintain your account;
  • You behave in a threatening or abusive manner to our staff; or
  •  You become or appear likely to become bankrupt or subject to an Individual Voluntary Arrangement or a Debt Relief Order or a Sequestration, Trust Deed or Debt Arrangement in Scotland.

Sava charges

  • There is no charge for registering for a Sava Account or for making an application for credit on the Exchange.
  • If an application for credit is approved, we will confirm the amount you can borrow and the rate at which you can do so (the “Borrower Rate”). The Borrower Rate will be expressed as an annual rate and will include any interest due to the investor plus any fees and/or interest due to Sava.
  • Except in cases where paper copies are required by law, Sava will make any communications, documents or statements available to you electronically. Please let us know if you require a copy of our documents in an alternative format.
  • There will be no fees payable by investors to Sava unless you decide to end your contract before the contracted date (a “Sell Out”), in which case the conditions and fees in relation to Sell Outs set out in the Investor Terms will apply.

Data accuracy and errors

  • You agree to inform us as soon as possible if any information provided by you or contained in your Sava Account changes and/or if you become aware of any errors with respect to your Sava Account.
  • The content on the Websites is provided for general information only and is not intended to amount to advice on which you should rely. Although we make reasonable efforts to update the information on the Websites, we make no promises that the content on the Websites is accurate, complete or up to date.
  • We reserve the right to remove from the Exchange any loan offers which are the subject of any error.

Intellectual property rights

  • Ownership. Unless otherwise provided, we are the owner or licensee of all copyright, trademarks and other intellectual property rights in and to the Site.
  • Your rights. Your rights to use the Site and its content are limited to those that we give to you in the Terms of Use.
  • No license for use. We do not grant you any license or right to use any of our trademarks or other intellectual property on this Site by virtue of your use of or access to the Site.
  • Restrictions. Except as expressly permitted under the agreement, the website and its content may not be:
    • modified or used to make derivative works;
    • rented, leased, loaned, sold or assigned;
    • reverse engineered or copied; or
    • reproduced or distributed.
  • Proprietary notices. You may not remove any copyright, trademark or other proprietary notices from the content.
  • Requested cease of use. You must stop using our trademarks or other content immediately if we ask you to do so.

Third party websites and material

  • No endorsement. Where we provide hypertext links to third-party internet websites, these are not an endorsement by us of any products or services in such websites and we have not verified the truth or accuracy of any content of such websites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites.
  • Third party material. This Site may also contain material provided by third parties and we accept no responsibility or liability for the accuracy of such material.
  • No linking without consent. You are not permitted to link any other website to this Site without obtaining our prior written consent.

Sharing content and social networks

Certain pages on the Site may allow you to share content via your profile on various social networks and other shared content platforms. When you share content in this way you also become subject to terms, conditions and policies of those third parties.

Privacy

You may access most areas of the Site without registering your details with us and without us recording any of your personal information; however certain areas of the Site may require you to register. If you submit an application to have access to these areas, you are indicating that you have read our Privacy Policy and are willing for us to deal with your personal data as set out in that policy.

Internet communications

We may monitor all internet communications, including web and email traffic into and out of our domains for security, ensuring compliance with these Terms and detecting fraud and other crimes.

Limits to our rights and responsibilities

  • Own risk. We provide the website “as is”. We do not give any express or implied warranty or make any other promise about this Site.
  • Do not rely on the Site content. Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties with regard to the accuracy, timeliness or completeness of any information.
  • No responsibility. We accept no liability related to your use or inability to use the Site, or in connection with any error, omission, defect, computer virus or system failure, or in connection with the access of, use of, performance of, browsing in or linking to other websites from this Site.
  • You indemnify (or promise to protect) us against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys’ fees) related to your use of this Site.
  • Indirect damages.We will never be responsible for any indirect or consequential damages or losses, even if we should have foreseen them. These may include any loss of profit, loss of goodwill, loss of use or damages related to lost or damaged data.

Governing law

This Terms shall be construed and enforced in accordance with the laws of the United Republic of Tanzania and you agree that the Tanzanian courts shall have exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this Site.

Open Positions

Microfinance Manager

Sava-Tech Financial Services is a financial technology company licensed by the Bank of Tanzania to carry out Microfinance business, own and operate Sava Loan, Sava Loan is an online digital lending platform that provides affordable financial services to African consumers and small businesses who have limited access to financial products from traditional banks…

Deadline: 12 June 2024

Customer Service Representative Intern

Sava-Tech Financial Services, a microfinance company licensed by the Bank of Tanzania, seeks a Customer Service Representative Intern to join our team. This internship offers a valuable opportunity to gain hands-on experience in the financial services industry while contributing to our mission of providing affordable financial services to African consumers and small businesses…

Deadline: 20 June 2024

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SAVA Loan

Mikocheni B 

CocaCola Road 

Auditax House 1ˢᵗ Floor 

Dar es Salaam, Tanzania.

+255 785 907 500

info@sava.co.tz

© 2024 Sava-Tech Financial Services Limited