Privacy and Policy
This Privacy Policy describes how TOCH Consultancy Services ("TOCH," "we," "us," or "our") collects, uses, and discloses your personal information when you use the TOCH Website, Toch App, and associated services provided by TOCH Consultancy Services. By accessing or using our services, you agree to the terms of this Privacy Policy.
1. Information We Collect
1.1 Personal Information:
When you use the TOCH App or fill out a loan application form through our website, we may collect personal information such as your name, email address, contact information, and other details necessary to provide our services.
1.2 Usage Information:
We may collect information about how you use the TOCH app or our website, including your interactions with the app/website, the features you use, and other usage data.
1.3 Device Information:
We may collect information about the device you use to access the TOCH App, including the device type, operating system, and unique device identifiers.
2. How We Use Your Information
2.1 We may use the information we collect for the following purposes:
- To provide and maintain the TOCH app, website, and associated services.
- To personalize your experience and customize the content and features of the TOCH app or website.
- To communicate with you about your account and our services, including sending you notifications and updates.
- To analyze usage patterns and trends to improve the TOCH App and our services.
- To comply with legal obligations and enforce our Terms and Conditions.
3. How We Disclose Your Information
3.1 We may disclose your personal information in the following circumstances:
- To third-party service providers who assist us in providing and maintaining the TOCH App and associated services.
- To comply with legal requirements, such as responding to subpoenas, court orders, or other legal process.
- To protect the rights, property, or safety of TOCH Consultancy Services, our users, or others.
4. Data Security
4.1 We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
5. Your Choices
5.1 You may choose not to provide certain personal information, but this may limit your ability to use certain features of the TOCH app /website or access certain services.
6. Changes to this Privacy Policy
6.1 We may update this Privacy Policy from time to time. Any changes will be effective immediately upon posting on the website or TOCH app. We encourage you to review this Privacy Policy periodically for any updates or changes.
7. Contact Us
7.1 If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at tochfinancial@outlook.com.
8. Governing Law
8.1 This Privacy Policy shall be governed by and construed in accordance with the laws of Zambia, without regard to its conflict of law provisions.
TOCH Consultancy Services Terms and Conditions
These terms and conditions ("Terms") govern your use of the TOCH Consultancy Services website, the TOCH App, and associated services provided by TOCH Consultancy Services. By accessing or using our services, you agree to these Terms. Please read them carefully before proceeding.
1. Acceptance of Terms
1.1 TOCH Consultancy Services is not a lending institution but rather a consulting firm specializing in financial-related services, including but not limited to loan calculations, loan application management, bonds, and other financial advisory services.
1.2 By using the TOCH app, website, or other TOCH services, you agree to comply with and be bound by these Terms. If you do not agree with these terms, you may not use the TOCH app, website, or access our services.
2. Services Provided
2.1 TOCH Consultancy Services provides financial consultancy services through its mobile application ("TOCH App") and website, allowing users to access loan calculation tools, loan application management services, and other related financial services.
2.2 TOCH Consultancy Services may also provide information, guidance, and assistance related to loan products offered by lending institutions.
3. User Responsibilities
3.1 You agree to use the TOCH app, website, and services responsibly and in accordance with applicable laws and regulations.
3.2 You are responsible for maintaining the confidentiality of your TOCH app account information and for all activities that occur under your account.
3.3 You agree not to engage in any unauthorized use of the TOCH app or website, including but not limited to:
- Accessing or attempting to access areas of the TOCH app or website not intended for your use.
- Modifying or attempting to modify the TOCH app in any manner is not authorized by TOCH Consultancy Services.
- Using the TOCH App for any unlawful purpose or in a manner that could damage, disable, overburden, or impair our services.
4. User Conduct
4.1 You agree not to:
- Use the TOCH app or website to transmit or distribute any content that is unlawful, defamatory, offensive, or harmful.
- Interfere with or disrupt the TOCH App or our services.
- Use any automated means to access or use the TOCH App without our express permission.
5. Intellectual Property
5.1 All content and materials available on the TOCH App or website, including but not limited to text, graphics, logos, images, and software, are the property of TOCH Consultancy Services and are protected by intellectual property laws.
5.2 You may not reproduce, distribute, modify, transmit, or otherwise use any content from the TOCH app or website without our prior written consent.
6. Charges for Services
6.1 Certain services offered by TOCH Consultancy Services may be subject to charges, including but not limited to loan application management, personalized loan consultancy, and other premium features.
6.2 By using these services, you agree to pay the applicable charges as specified by TOCH Consultancy Services.
6.3 Charges for services may vary depending on the nature of the service and any additional features requested by the user.
6.4 Payment for services may be made through the mobile money services, bank account or other designated payment methods accepted by TOCH Consultancy Services.
6.5 TOCH Consultancy Services reserves the right to change or modify the charges for services at any time, with or without prior notice.
6.6 Failure to pay the applicable charges may result in suspension or termination of access to certain features or services provided by TOCH Consultancy Services. Further, users may also be reported to stipulated law enforcers for failure to pay certain applicable services after they are rendered to a user or customer.
5.7 All charges are non-refundable unless otherwise specified by TOCH Consultancy Services.
7. Privacy Policy
7.1 Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose your personal information when you use the TOCH app or website.
8. Limitation of Liability
8.1 TOCH Consultancy Services shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the TOCH App or our services.
9. Termination
9.1 TOCH Consultancy Services reserves the right to terminate or suspend your access to the TOCH App or our services at any time, without prior notice or liability, for any reason.
10. Amendments
10.1 TOCH Consultancy Services reserves the right to modify or amend these Terms at any time. Any changes to these Terms will be effective immediately upon posting on the TOCH App.
11. Governing Law
11.1 These Terms shall be governed by and construed in accordance with the laws of Zambia, without regard to its conflict of law provisions.
12. Contact Us
12.1 If you have any questions or concerns about these Terms or our services, please contact us at tochfinancial@outlook.com.
Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.
You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.
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