Terms of Service

These Terms of Service govern your use of BEJUNDAS FINANCIAL SERVICES LTD's website, customer portal and lending services. Please read them before applying for a loan or using your account.

Effective date: 13 August 2026

1. Who we are, and accepting these terms

BEJUNDAS FINANCIAL SERVICES LTD is a licensed lending business operating at MBEZI MSAKUZI, DAR. By applying for a loan, guaranteeing a loan, or using our customer portal, you accept these Terms. If you do not accept them, please do not use the service.

2. Who may use the service

You may use the service only if you are at least 18 years old, have the legal capacity to enter a contract, and are resident in a place where we operate. You must use your own identity - applying on behalf of someone else without written authority is not permitted.

3. Your account

• You are responsible for everything done through your account.
• Keep your password and any one-time codes we send you private. We will never ask you for your password or for a one-time code.
• Tell us immediately if you believe someone else has used your account.
• We may suspend access if we reasonably suspect fraud or unauthorised use.

4. Applying for a loan

An application is a request, not an agreement. We may approve, decline or limit any application, and we are not obliged to give reasons except where the law requires it. Approval depends on our assessment of your circumstances, including checks with credit reference bureaus.

Information you give us must be true and complete. Giving false information to obtain credit is a criminal offence and we will report it.

5. These Terms and your loan agreement

These Terms govern the platform and your relationship with us generally. Each loan is governed by the loan agreement and repayment schedule you sign for that loan, which set out the amount, interest, fees, charges and repayment dates.

If these Terms and a signed loan agreement conflict, the signed loan agreement prevails for that loan.

6. Fees, interest and charges

The interest, fees and charges that apply to your loan are stated in your loan agreement and repayment schedule before you sign. We do not add charges to a loan that were not disclosed to you in that agreement.

7. Repayment

You agree to repay on the dates in your repayment schedule. If you pay late:

• a late payment charge may apply, as set out in your loan agreement;
• we may contact you and your guarantors about the arrears;
• we report your repayment performance, including missed payments, to credit reference bureaus, which will affect your ability to borrow elsewhere; and
• we may begin recovery action, including enforcing any security you gave.

If you think you will struggle to pay, contact us before the due date. It is almost always easier to agree an arrangement early.

8. Guarantors and security

Where someone guarantees your loan, they are responsible for it if you do not pay, and we may tell them about your arrears. Where you offer security, you confirm you own it and that it is not already pledged elsewhere. We may enforce security if the loan is in default.

9. Acceptable use

You must not use the service to break the law, submit false documents, attempt to gain unauthorised access to any account or system, interfere with its operation, or extract data from it by automated means.

10. Electronic communications and signatures

You agree that we may contact you by SMS and email about your loan, and that documents you sign electronically through our portal are as binding as documents signed on paper. Service messages about your loan are part of the contract and cannot be opted out of, though you may opt out of marketing at any time.

11. Availability

We try to keep the portal available at all times but we do not guarantee uninterrupted access. It may be unavailable during maintenance or because of events outside our control. Unavailability does not change the repayment dates in your loan agreement.

12. Our responsibility to you

Nothing in these Terms limits any liability that cannot lawfully be limited, including liability for fraud. Subject to that, we are not liable for losses that were not reasonably foreseeable, or for loss of profit or business opportunity.

13. Suspending or closing your access

We may suspend or close your portal access if you break these Terms, if we suspect fraud, or if the law requires it. Closing your portal access does not cancel any loan you owe - your repayment obligations continue.

14. Your information

How we collect and use your personal information is explained in our Privacy Policy, which forms part of these Terms.

15. Complaints

If something has gone wrong, contact us first at bevimas@gmail.com or 0785778833 and we will try to resolve it. If you are not satisfied, you may refer the matter to the Bank of Tanzania.

16. Changes to these terms

We may update these Terms. Every version we publish is kept and remains readable, and the effective date at the top tells you which version applies. Where a change materially affects your rights, we will ask you to review and accept the new version the next time you sign in.

17. Governing law

These Terms are governed by the laws of the United Republic of Tanzania, and the courts of that jurisdiction have exclusive jurisdiction over any dispute.

18. Contact us

BEJUNDAS FINANCIAL SERVICES LTD
MBEZI MSAKUZI, DAR
Email: bevimas@gmail.com
Telephone: 0785778833
Website: https://bejundas.co.tz/