Terms of Service

Effective Date: 24 February 2026

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the Panacea Financial Services Limited website and any related services, including loan enquiries and online loan applications.

By accessing this website or submitting an application, you agree to be bound by these Terms.

If you do not agree with these Terms, you should not use this website.

2. About Panacea Financial Services Limited

Panacea Financial Services Limited is a Zambian financial services company incorporated on 16 December 2016. These Terms apply to all users of our website and services.

3. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not:

Violate applicable laws or regulations
Infringe on the rights of others
Interfere with the proper functioning of the website
Submit false, misleading, or incomplete information

Panacea reserves the right to restrict or terminate access to the website where misuse is identified.

4. Loan Applications and Enquiries

4.1 Submission of Applications

Submitting a loan application through this website:

Does not constitute loan approval
Does not create a binding agreement
Is subject to internal review and assessment

All applications are assessed based on eligibility criteria, documentation provided, and internal credit evaluation processes.

4.2 Accuracy of Information

By submitting an application, you confirm that:

All information provided is accurate and complete
Documents submitted are authentic
You are authorised to submit the information provided

Providing false or misleading information may result in rejection of the application and possible legal consequences.

4.3 Approval and Agreement

A loan agreement becomes binding only after:

Completion of internal assessment
Formal approval
Written confirmation
Execution of a loan agreement, where applicable

Panacea reserves the right to approve or decline applications at its discretion, subject to internal policies and applicable law.

5. No Financial Advice

Information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice. Users are encouraged to seek independent advice where necessary.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Panacea Financial Services Limited unless otherwise stated.

Users may not reproduce, distribute, or use website content without prior written consent.

7. Limitation of Liability

Panacea Financial Services Limited shall not be liable for:

Any indirect, incidental, or consequential loss arising from website use
Delays or interruptions in website availability
Errors or inaccuracies in website content

While reasonable efforts are made to ensure accuracy, the website is provided on an “as is” basis.

8. Data Protection and Privacy

Personal information submitted through this website is processed in accordance with our Privacy Policy.

By submitting information, you consent to its use for loan processing, risk assessment, compliance, and related legitimate purposes.

9. Website Availability

We may modify, suspend, or discontinue any part of the website without prior notice. We do not guarantee uninterrupted access to the website.

10. Governing Law

These Terms are governed by the laws of the Republic of Zambia.

Any disputes arising in connection with these Terms shall be subject to the jurisdiction of the courts of Zambia.

11. Amendments

Panacea Financial Services Limited may update these Terms from time to time. Updated versions will be published on this website with a revised effective date.

Continued use of the website after updates constitutes acceptance of the revised Terms.

12. Contact Information

For questions regarding these Terms, please contact:

Panacea Financial Services Limited
4th Floor, Godfrey House
Corner of Kabelenga Road & Longolongo Road
Lusaka, Zambia

Email: contact@pfs.co.zm
Phone: 0964 008 663 / 0779 675 215