Terms and  and Confirmations 

Last Updated: September 15, 2026

Welcome to Loaniva. By accessing and using this website, you agree to be bound by these Terms and Conditions.

If you do not agree with these terms, please do not use the website.

1. About Loaniva

Loaniva is an independent website that provides information about loan providers and financial services available to consumers in Zambia.

Loaniva is not a bank, lender, financial institution, loan broker, or credit provider unless expressly stated otherwise.

2. Information on Our Website

We make reasonable efforts to provide useful and accurate information. However, loan products, interest rates, fees, eligibility requirements, terms, and availability may change.

We do not guarantee that all information on the website will always be complete, accurate, current, or suitable for your individual circumstances.

You should always confirm the latest information directly with the relevant provider before applying or making a financial decision.

3. Affiliate Links

Some links on Loaniva are affiliate links.

When you click an affiliate link and complete a qualifying action, Loaniva may receive a commission from the provider.

Affiliate relationships do not guarantee approval, acceptance, or any particular loan terms.

4. No Financial Advice

The information provided on Loaniva is for general informational purposes only.

Nothing on this website should be considered financial, legal, investment, credit, or professional advice.

You are responsible for evaluating whether a financial product or loan is appropriate for your circumstances.

5. Third-Party Websites

Loaniva may contain links to third-party websites.

Once you leave Loaniva and visit another website, that website's own terms, privacy policy, and other policies will apply.

Loaniva does not control third-party websites and is not responsible for their content, services, security, policies, or practices.

6. Loan Applications

Loaniva does not make loan approval decisions.

Any application you submit through a third-party provider is subject to that provider's eligibility criteria, verification procedures, lending policies, and approval process.

Submitting an application does not guarantee that you will receive a loan.

7. User Responsibilities

When using Loaniva, you agree not to:

• Use the website for unlawful purposes

• Attempt to interfere with the website's operation

• Copy or reproduce website content without permission

• Provide false or misleading information

• Attempt to gain unauthorized access to the website or its systems

8. Intellectual Property

Unless otherwise stated, the content, branding, text, graphics, logos, and other materials on Loaniva are owned by or licensed to Loaniva.

You may access and use the website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or commercially exploit our content without permission.

9. Limitation of Liability

To the extent permitted by applicable law, Loaniva will not be responsible for losses, damages, or costs arising from your use of third-party services, reliance on information published on the website, loan applications, loan agreements, or decisions made by third-party providers.

10. Changes to These Terms

We may update these Terms and Conditions from time to time.

Any changes will be posted on this page with an updated "Last Updated" date.

11. Contact

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

Email: loanivaonline@gmail.com