Terms and Conditions

Welcome to the website and digital services of Impact Microfinance Limited. By accessing or using our website and related digital services, you agree to these Terms and Conditions. Please read them carefully. If you do not agree with these terms, please refrain from using our website and services.

1. Acceptance of Terms

These Terms and Conditions govern your access to and use of the Impact Microfinance Limited website and related digital services. By accessing or using these services, you agree to be bound by these Terms and Conditions.

2. Use of the Website and Digital Services

You agree to use our website and digital services:

Only for lawful purposes and in accordance with these Terms and Conditions.
Not to violate any applicable local, national, or international laws or regulations.
Not to harm, disrupt, interfere with or compromise the security or functionality of our website, digital services, or other users' access.

You must not attempt to gain unauthorized access, introduce malicious software, or engage in any activity that could damage or compromise our website, systems or digital services.

‍3. Intellectual Property

‍All content available through our website and digital services, including text, graphics, logos, images, software, and other materials, is own by or licensed to Impact Microfinance Limited and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, publish or use our content for commercial purposes without prior written permission from Impact Microfinance Limited.

4. User Submissions

‍When you submit information through our website or digital services, including contact forms, applications, inquiries or other submissions, you agree to provide accurate and complete information.

By submitting information, you authorized Impact Microfinance Limited to use it for the purpose for which it was provided, including responding to inquiries, accessing applications, providing services and communicating with you, subject to our privacy policy.

5. Links to Third-Party Websites

‍Our website and digital services may contain links to third party website or services. These links are provided for convenience and information only. Impact Microfinance Limited does not control and is not responsible for the content, security, availability or practices of third-party websites or services.

Accessing third-party websites and services is at your own discretion and subject to their respective terms and policy.

‍6. Privacy

‍Your privacy is important to us . Our collection, use, storage and protection of personal information is governed by our Privacy Policy.w

By using our website and digital services, you acknowledge that you have read and understood our Privacy Policy.

‍7. Disclaimers

Our website and digital services are provided for general information and service access. While we aim to keep information accurate and up to date, Impact Microfinance Limited does not guarantee that all content will always be complete, accurate or current.

Information provided on the website does not constitute a guarantee of loan approval, financing, investment returns or eligibility for any Impact Microfinance product or service. Products and services remain subject to applicable terms, eligibility criteria and approval processes.

8. Limitation of Liability

‍To the extent permitted by applicable law, Impact Microfinance Limited shall not be liable for any direct or indirect loss or damage arising from the use of, or liability to use, our website or digital services.

This includes loss or damage resulting from reliance on information provided through the website, service interruptions, technical issues, or third-party websites and services linked to our platforms.

9. Modification of Terms

‍Impact Microfinance Limited may update these Terms and Conditions from time to time to reflect changes in our services, operations, legal requirements or business practices.

Any changes will become effective when published on our website or otherwise communicated where appropriate. We encourage you to review these Terms and Conditions periodically.

‍10. Termination

‍Impact Microfinance Limited reserves the right to restrict, suspend or terminate access to our website or digital services where necessary, including incases of misuse, violation of these Terms and Conditions, security concerns or legal requirements.

Termination or restriction of access does not affect any rights, obligations or agreements that arose before such action was taken.

‍11. Governing Law

‍These Terms and Conditions are governed by and construed in accordance with the laws of the United Republic of Tanzania.

Any dispute arising from or relating to these Terms and Conditions shall be subject to the jurisdiction of the competent courts of Tanzania.

‍12. Contact Us

‍If you have any questions about these Terms and Conditions, please contact us at:

Impact Microfinance Limited

Email: info@impactmicrofinance.com

Phone: +255753000070

Privacy Policy

Last updated: August, 2026

Impact Microfinance Limited ("Impact Microfinance", "we", "us" or "our") is committed to protecting your privacy and personal information. This Privacy Policy explain how we collect, use, share, and protect information when you visit our website, contact us, or use our digital services.

By using our website or submiting information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Personal Information

When you contact us, submit a form, apply for a product or service, or otherwise interact with us, we may collect personal information such as:

Full name
Email address
Phone number
Information you provide in messages, applications or inquiries
Other information necessary to provide or assess a requested product or service.

Usage and Technical Information

When you use our website or digital services, certain technical information may be collected automatically. This may include your IP address, browser type, device information, pages visited, date and time of access, and other diagnostic or usage information.

We use this information to understand how our website and digital services are used, maintain security, performance and enhance the user experience.

Cookies and Tracking Technologies

We may use cookies and similar technologies to support website functionality, understand how visitors use our website and improve performance and user experience.

You can manage or disable cookies through your browser settings. Disabling certain cookies may affect how some parts of the website function.

2. How We Use Your Information

We may use the information we collect to:

To provide, operate and improve our website, products and digital services.
To respond to inquiries, applications and requests.
To assess eligibility for products and services where applicable.
Communicate important service, account or application information.
Improve customer experience and develop relevant products and services.
Maintain the security and integrity of our systems and prevent fraud or misuse.
Meet legal, regulatory and compliance requirements.
Send relevant updates or communications where you have provided consent or where otherwise permitted by law.

3. How We Share Your Information

We do not sell your personal information. We may share information only where necessary to provide our services, operate our business, meet legal obligations or protector legitimate interests.

Service Providers: With trusted providers that support our technology, communications, payments, data processing or other business operations.
Business and program partners: Where necessary to deliver a product, service or program in which you participate.
Legal and regulatory authorities: Where required by law, regulations, court order or a competent authority.
With your consent: Where you have specifically authorized us to share your information.

We require third parties handling personal information on our behalf to use it appropriately and protect it in accordance with applicable requirements.

4. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, provide our services, meet legal and regulatory requirements, resolve disputes and maintain appropriate business records.

Retention periods may vary depending on the type of information, the service involved and acceptable legal or regulatory requirements. When personal information is no longer required, we take appropriate steps to securely delete, anonymize or otherwise dispose of it.

5. Data Security

We take appropriate technical and organisational measures to protect personal information against unauthorized access, loss, misuse, alteration, disclosure or destruction.

While we work to protect your personal information, no method or electronic transmission or storage is completely secure. We therefore cannot guarantee absolute security, but we continually review and improve our safeguards as appropriate.

6. Your Rights and Choices

Depending on applicable law, you may have the right to request access to, correction of, or deletion of your personal information, and to object to or request restriction of certain uses of your information.

You may also withdraw consent, including opting out of certain marketing communications.

To exercise any of these rights or ask a question about your personal information, please contact us using details provided at the end of this Privacy Policy. We may need to verify your identity before processing certain requests.

7. Transfer of Personal Information

Your personal information maybe processed or stored using system or service providers located outside Tanzania where this is necessary to provide our services or operate our digital platform.

Where personal information is transferred across borders, we take appropriate steps to ensure that it is handled securely and in accordance with applicable data protection requirements.

8. Children's Privacy

Our website and digital services arenot intended for children to use independently where parents or guardian consent is required by applicable law. We do not knowingly collect personal information from children without appropriate authorization.

Where our products, programs or services involve children or young people, personal information will be collected and handled only where appropriate and with the required consent or authorization.

9. Links to Other Websites

Our website and digital services may contain links to websites or services operated by third parties. Impact Microfinance Limited does not control and is not responsible for the privacy practices, content or security of those third-party websites or services.

We encourage you to review the privacy policies of any third-party websites or services you visit.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services , operations, technology or applicable legal and regulatory requirements.

When we make changes , we will update the "last update" date at the top of this Privacy Policy and ,where appropriate, provide additional notice.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal information.

11. Contact Us

If you have questions about this Privacy Policy, how we handle your personal information, or wish to exercise your privacy rights, please contact us:

Impact Microfinance Limited

Email: info@impactmicrofinance.com

Phone: +255753000070

P.O Box 78482Dar Es Salaam, Tanzania

Connecting People with Possibilities

We make finance, knowledge and technology more accessible, helping people, businesses and communities grow.

Explore our Solutions

Woman holding her baby while standing with other community members in Tanzania

Our Story

It Started With One Mother

Impact Microfinance began with a widowed mother of three working tirelessly to provide for her children, yet still struggling to meet basic needs.

Her resilience inspired a simple question: what could change if people had access to capital and the freedom to decide what they needed most?

We began with 40 women, providing each with $100 and financial guidance, without prescribing how the money should be used. We followed their journeys to understand the choices they made.

Within three months, 90% had established income- generating activities. Others used the support for essential needs such as healthcare and improving their homes.

That experience shaped what Impact is today- expanding access to finance, knowledge and technology so more people can build stronger futures.

See Our Impact

At Impact Microfinance, we believe that with the right tools and opportunities, people have the power to transform their own futures.

About us

Empowering Communities. Building Futures.

We expand access to finance, knowledge and technology, helping people and businesses build sustainable livelihoods.

Working with communities and partners, we create pathways for entrepreneurs, farmers and families to grow - strengthening communities and creating lasting opportunity.

Two Maasai women wearing colourful traditional clothing during a community gathering in Tanzania

Empowerment

We give people the tools and confidence to take control of their financial futures.

Inclusivity

We design financial solutions that reach underserved people and communities.

Innovation

We use technology and practical ideas to make financial services simpler and more accessible.

Integrity

We act with transparency, responsibility, and accountability in everything we do.

Collaboration

We work with communities and partners to create stronger, lasting outcome.

Sustainability

We build solutions that support long-term economic resilience and responsible growth.

Gershom Mpangalah

Co-Founder & CEO

Issa Ngwegwe

Co-Founder & Executive Director

Halifa Mjengwa

Technology Advisor

Tom Kocsis

Director & Expansion Advisor

Portrait of Maclean Michael Kamala, Director and Compliance Advisor at Impact Microfinance

Maclean Kamala

Director & Compliance Advisor

Our Mission

To expand access to finance, knowledge and technology so people and communities can thrive.

Our Vision

To be a global leader in financial inclusion, creating lasting change by equipping individuals and businesses with the resources they need to thrive and contribute to their communities.

Our Values