Welcome to Impact Microfinance’s website. By accessing and using this website, you agree to comply with and be bound by these Terms of Use. Please read them carefully. If you do not agree to these terms, please refrain from using this website.

1. Acceptance of Terms

These Terms of Use govern your access to and use of the Impact Microfinance website, including all content, services, and resources available on or through the site. By using this website, you accept these Terms of Use in full.

2. Use of the Website

You agree to use this website:

• Only for lawful purposes and in accordance with these terms.
• Not to violate any local, national, or international laws or regulations.
• Not to harm, disrupt, or interfere with the website’s functionality or other users’ access.

You are prohibited from attempting to hack, upload malicious software, or engage in activities that may damage the website.

‍3. Intellectual Property

‍All content on this website, including but not limited to text, graphics, logos, icons, images, and software, is the property of Impact Microfinance or its licensors and is protected under copyright, trademark, and intellectual property laws.

• You may view, print, or download content for personal, non-commercial use only.
• You may not reproduce, distribute, modify, or sell any website content without prior written consent from Impact Microfinance.

4. User Submissions

‍When submitting any information, queries, or content via forms, applications, or contact pages on this website:

• You agree that the information provided is accurate and truthful.
• You grant Impact Microfinance a non-exclusive right to use, display, or store this content for purposes related to the website or services.

5. Links to Third-Party Websites

‍This website may contain links to external websites operated by third parties. These links are provided for your convenience. Impact Microfinance does not endorse or assume responsibility for any third-party websites, their content, or their privacy practices.6. Privacy PolicyYour use of this website is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information. Please review the Privacy Policy to understand our practices.

‍7. Disclaimers

• Impact Microfinance strives to ensure that the content on this website is accurate and up-to-date. However, we make no guarantees, express or implied, regarding the completeness, accuracy, or reliability of the information provided.
• This website and its content are provided "as is" without warranties of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Limitation of Liability

‍To the extent permitted by law, Impact Microfinance shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of:

• Your use of or inability to use the website.
• Errors, omissions, or delays in the content or services provided.
• Unauthorized access or alteration of your submissions or data.

9. Modification of Terms

‍Impact Microfinance reserves the right to revise, update, or modify these Terms of Use at any time. Changes will be effective upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.10. TerminationImpact Microfinance may terminate or suspend your access to this website at any time, without prior notice, if you violate these Terms of Use.11. Governing LawThese Terms of Use are governed by and interpreted in accordance with the laws of the United Republic of Tanzania, without regard to conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Tanzania.12. Contact UsIf you have any questions about these Terms of Use, please contact us:

• Email: info@impactmicrofinance.com
• Phone: +255753000070
• Address: Po Box 78482, Dar Es Salaam.

By using this website, you acknowledge that you have read, understood, and agreed to these Terms of Use.

‍Impact Microfinance © 2025 All Rights Reserved

Last updated: February 5^th, 2025

At Impact Microfinance, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, share, and safeguard your information when you visit our website or use our Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please refrain from using our website or submitting personal data.

1. Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Impact Microfinance Limited.
• Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
• Country refers to: Tanzania
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• Personal Data is any information that relates to an identified or identifiable individual.
• Service refers to the Website.
• Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
• Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• Website refers to Impact Microfinance, accessible from www.impactmicrofinance.com
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Information We Collect

Personal InformationWhile using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Full Address
• Usage Data

Non-Personal Information

We may collect non-identifiable information automatically, such as:

• IP address
• Browser type and version
• Device information
• Pages visited, time spent, and user behavior on our website

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.Information from Third-Party If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal data that is already associated with Your Third-Party Social Media Service's account, such as Your name, Your email address, Your activities or Your contact list associated with that account.You may also have the option of sharing additional information with the Company through Your Third-Party Social Media Service's account. If You choose to provide such information and Personal Data, during registration or otherwise, You are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
• Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

3. How We Use Your Information

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To analyze website traffic and user behavior to optimize performance.
• To ensure compliance with legal and regulatory requirements.
• To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
• To attend and manage Your requests to Us.
• We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

• We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
• We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• We may share Your information with Our business partners to offer You certain products, services or promotions.
• When You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
• We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Information

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.Transfer of Your InformationYour information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to, and maintained oncomputers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

4. Disclosure of Your Information

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.Law enforcementUnder certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).Other legal requirementsThe Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

5. Security of Your Information

We take the protection of your data seriously. We implement appropriate technical and organizational measures to safeguard your information against unauthorized access, loss, or misuse. Security measures include: Encrypted data transmission (SSL), Secure storage systems, Restricted access to authorized personnel only.The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

6. Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

7. Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit before sharing any personal information.We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

8. Changes to this Policy

We may update or modify Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

9. Contact Us

If you have any questions about this Privacy Policy, You can contact us:

Impact Microfinance Limited

P.O Box 78482Dar Es Salaam, Tanzania

Or e-mail: info@impactmicrofinance.com

‍Or by visiting: www.impactmicrofinance.com

What is Impact Microfinance?

Impact Microfinance is a financial institution dedicated to empowering underserved communities. We provide tailored financial solutions, including flexible loans, financial literacy training, and technology-driven tools, to help individuals, small businesses, farmers, and informal financial groups achieve sustainable growth and financial independence.

What makes Impact Microfinance unique?

Our approach combines affordable financing, financial education, and innovative technology to ensure long-term impact. By focusing on women, youth, and low-income entrepreneurs, we empower clients to overcome financial barriers, grow their businesses, and improve their lives.

Where does Impact Microfinance operate?

We are currently based in Tanzania and aim to expand across Sub-Saharan Africa, where over 350 million peopleremain unbanked or underbanked.

What types of loans do you offer?

We offer a range of flexible loan solutions (Business loans, Agricultural loans, Group loans, Clean energy financing and Emergency loans etc) to meet various needs of entrepreneurs.

Who is eligible to apply for a loan?

Entrepreneurs, farmers, small business owners, and members of informal financial groups, particularly women and youth operating in rural and low-income urban areas.

How can I apply for a loan?

You can start your application process through our website, our mobile platform or in person by visiting our office or speak to our representative.

What do I need to apply for a loan?

To apply, you’ll need, A valid identification document, Basic information about your business or financial need, Group membership information (if applying as part of a group).

How do financial literacy programs benefit clients?

Financial literacy equips individuals with the knowledge to manage money responsibly, grow their businesses, and achieve long-term financial stability. It is a critical step toward breaking the cycle of poverty.

How can investors or partners support Impact Microfinance?‍

Investors and partners can help us scale our operations and impact by providing funding, grants, technical support, or collaborative opportunities.

How can I partner with or invest in Impact Microfinance?

Visit our Investors or Get Involved pages on the website, or contact us directly via team@impactmicrofinance.com

At Impact Microfinance, we are committed to protecting our clients’ rights and fostering trust, transparency, and fairness in every financial service we offer. Our Customer Protection ensures that we deliver ethical, responsible, and client-focused solutions that empower individuals and communities to thrive.

Our Commitments

1. Fair and Transparent Pricing
2. We provide clear, upfront information on loan terms, fees, and repayment schedules, ensuring there are no hidden costs or surprises.
3. Responsible Lending
4. We carefully assess clients’ financial capacity to ensure that loans are manageable and do not lead to over-indebtedness.
5. Clear Communication
6. All terms and conditions are explained in simple language to ensure our clients understand their rights, obligations, and available support.
7. Data Privacy and Security
8. We prioritize the confidentiality of our clients’ personal and financial information.
9. Respectful and Professional Treatment
10. Every client is treated with dignity and respect, regardless of their background, gender, or circumstances. Our team adheres to the highest ethical standards in every interaction.
11. Accessible Complaint Resolution
12. We offer simple and accessible channels for clients to raise feedback, complaints, or concerns. All issues are addressed promptly, fairly, and transparently.
13. Financial Literacy and Empowerment
14. We equip clients with financial education and tools to make informed decisions, helping them manage resources effectively and build sustainable futures.

Your Rights as a Client

• To be treated fairly, with dignity and respect.
• To receive clear and timely information about products and services.
• To have your personal and financial data protected.
• To access effective complaint resolution without fear of retribution.

Our Promise

‍At Impact Microfinance, we don’t just provide financial solutions, we build trust. We promise to act with integrity, transparency, and a relentless focus on empowering our clients to achieve financial independence and improve their lives.

‍Contact Us

‍For questions, feedback, or concerns:

‍Email: info@impactmicrofinance.com

‍Phone: +255753000070