Terms of Service

1.Introduction

FinEra provides a digital marketplace that connects individuals, businesses, and other borrowers seeking financing opportunities with licensed financial institutions and authorised lenders. The Platform enables users to submit financing requests, receive potential financing opportunities, communicate with lenders, exchange relevant documents, and manage financing-related interactions.

These Terms are designed to ensure a secure, transparent, and fair environment for all users, including borrowers, lenders, and authorised representatives.

2.Definitions

For the purposes of these Terms of Service, the following terms shall have the meanings set out below:

“Company”, “Shield Point Capital”, “we”, “us”, or “our”

Means Shield Point Capital (Private) Limited, the company that owns and operates the FinEra Inclusive Credit Marketplace.

“FinEra”, “Platform”, or “Service”

Means the digital financial technology platform operated by Shield Point Capital that connects borrowers with licensed financial institutions and authorised lenders.

“User”

Means any individual, business, organisation, or authorised representative that accesses, registers on, or uses the FinEra Platform.

“Borrower”

Means an individual, business, organisation, or entity that uses FinEra to submit financing requests or seek loan opportunities from participating lenders.

“Lender”

Means a licensed financial institution, bank, microfinance institution, or authorised financing provider registered on FinEra to review financing requests and provide lending opportunities.

“Financial Institution”

Means a regulated entity authorised to provide financial services, including lending services, under applicable laws and regulations.

“Loan Application” or “Financing Request”

Means a request submitted by a Borrower through FinEra seeking financing from participating Lenders.

“User Account”

Means a registered profile created by a User to access and use FinEra services.

“Personal Information”

Means any information relating to an identified or identifiable individual that is collected, processed, stored, or used through the Platform.

“Sensitive Personal Information”

Means personal information requiring additional protection due to its nature, including identity information, biometric information, financial information, and other protected categories under applicable data protection laws.

“Content”

Means any information, documents, files, messages, data, or materials uploaded, submitted, transmitted, or displayed by Users through FinEra.

“Services”

Means the technology services provided by Shield Point Capital through FinEra, including borrower-lender matching, communication tools, document exchange, application tracking, and related platform features.

“Third-Party Services”

Means external services, systems, or providers integrated with or used alongside FinEra, including payment providers, identity verification providers, technology providers, and other authorised partners.

“Applicable Laws”

Means all laws, regulations, regulatory requirements, and legal obligations applicable to Shield Point Capital, FinEra, and its Users.

3.About Shield Point Capital

Shield Point Capital (Private) Limited is a financial technology company focused on improving access to financial opportunities through innovative digital solutions.

The Company operates the FinEra Inclusive Loan Marketplace, a technology platform designed to connect borrowers, including individuals, businesses, and organisations, with licensed financial institutions and authorised lenders.

Through FinEra, Shield Point Capital provides digital infrastructure that enables users to submit financing requests, discover suitable financing opportunities, communicate securely with lenders, exchange relevant documentation, and track financing application processes.

Shield Point Capital does not act as a bank, microfinance institution, or direct lender unless expressly authorised by applicable regulatory authorities. The Company does not guarantee loan approval, financing availability, interest rates, or lending decisions. All lending decisions are made independently by participating financial institutions and lenders based on their own assessment criteria, policies, and regulatory obligations.

The Company’s role is to provide a secure, transparent, and efficient technology platform that supports financial inclusion and improves access to financing opportunities.

4.About FinEra

FinEra Inclusive Loan Marketplace (“FinEra”) is a digital financial technology platform operated by Shield Point Capital (Private) Limited that connects borrowers with licensed financial institutions and authorised lenders.

FinEra is designed to simplify access to financing by allowing users to submit a single financing request and explore multiple potential financing opportunities from participating lenders. The Platform supports various financing needs, including business financing, salary-based loans, education financing, and other approved financing solutions offered by registered lenders.

Through FinEra, borrowers can create profiles, submit financing requirements, upload supporting documents, communicate with lenders, receive financing offers, and track the progress of their applications.

For lenders, FinEra provides digital tools to discover potential borrowers, review financing requests, communicate securely, manage applications, and improve efficiency in the lending process.

FinEra operates as a technology marketplace and does not independently approve, reject, issue, or guarantee loans. All financing decisions, loan terms, interest rates, repayment schedules, and contractual relationships between borrowers and lenders are determined solely by the relevant lender.

The purpose of FinEra is to promote financial inclusion by creating a more accessible, transparent, and efficient connection between people seeking financing and institutions providing financing opportunities.

5.Eligibility

To access and use the FinEra Inclusive Credit Marketplace, users must meet the applicable eligibility requirements set out in these Terms of Service.

5.1 Borrowers

To register as a Borrower, you must:

• Be a legally capable individual or a legally registered business entity;
• Provide accurate, complete, and up-to-date information during registration and throughout your use of the Platform;
• Provide required identification, verification, and supporting documents where applicable;
• Meet any financing eligibility requirements determined by participating lenders;
• Use the Platform for lawful purposes only.

5.2 Lenders and Financial Institutions

To register as a Lender, you must:

• Be a legally registered financial institution or authorised lending provider;
• Hold all required licences, approvals, and authorisations applicable to your lending activities;
• Provide accurate institutional information and regulatory documentation;
• Ensure that authorised representatives using the Platform have appropriate authority;
• Comply with all applicable financial, consumer protection, and regulatory requirements.

5.3 General Requirements

All users agree that:

• Information provided to FinEra must be truthful, accurate, and not misleading;
• Users must maintain the confidentiality of their account credentials;
• Users must not use FinEra for fraudulent, illegal, abusive, or unauthorised activities;
• Shield Point Capital reserves the right to verify user information, restrict access, or suspend accounts where eligibility requirements are not met.

6.Account Registration

To access certain features of FinEra, users are required to create an account and provide accurate, complete, and current information.

Users are responsible for:

• Providing truthful and accurate registration information;
• Keeping account information updated;
• Maintaining the confidentiality of login credentials;
• Preventing unauthorised access to their accounts;
• Not sharing account access with unauthorised persons.

Users must notify Shield Point Capital immediately if they suspect unauthorised access, misuse, or security compromise of their account.

Shield Point Capital reserves the right to verify account information, reject registrations, restrict access, or suspend accounts where information provided is inaccurate, incomplete, fraudulent, or violates these Terms.

7.Identity Verification (KYC)

To maintain a secure and trusted marketplace, FinEra may require users to complete identity verification procedures.

KYC processes may include:

• Verification of identity documents;
• Verification of business registration information;
• Verification of employment or financial information;
• Additional verification checks required for security, fraud prevention, or regulatory compliance.

Users agree to provide accurate and authentic information during the verification process.

Failure to complete required verification may result in restricted access to certain Platform features or suspension of the user account.

8.User Responsibilities

All users of FinEra agree to:

• Use the Platform responsibly and lawfully;
• Provide accurate and truthful information;
• Protect their account credentials;
• Respect the privacy and rights of other users;
• Avoid fraudulent, misleading, or harmful activities;
• Comply with applicable laws and regulations.

Users are responsible for all activities conducted through their accounts unless caused by a proven security breach outside their control.

9.Borrower Responsibilities

Borrowers using FinEra agree to:

• Provide accurate personal, employment, business, and financial information;
• Submit genuine supporting documents;
• Provide truthful information regarding financing needs;
• Communicate professionally and honestly with lenders;
• Review financing terms carefully before accepting any offer;
• Fulfil repayment obligations according to agreements entered into with lenders.

Borrowers acknowledge that FinEra does not approve loans, determine eligibility, or guarantee financing availability.

All lending decisions and agreements are made directly between borrowers and lenders.

10.Lender Responsibilities

Lenders using FinEra agree to:

• Maintain valid licences, registrations, and regulatory approvals required for their activities;
• Provide accurate information about their institution and financing products;
• Conduct independent assessments of borrowers;
• Ensure compliance with applicable lending laws and regulations;
• Provide clear and transparent financing terms;
• Communicate professionally with borrowers.

Lenders are solely responsible for loan approval decisions, interest rates, repayment terms, collections, and compliance with lending obligations.

Shield Point Capital does not act as a lender and does not control lender decisions.

11.Marketplace Rules

FinEra provides a digital marketplace that enables borrowers and lenders to connect and interact.

Users agree that:

• FinEra does not guarantee that a borrower will receive financing offers;
• Lenders are responsible for making independent lending decisions;
• Borrowers are responsible for evaluating financing offers before accepting them;
• Users must not misuse the Platform to provide false information, conduct fraudulent activities, or engage in unlawful transactions;
• All interactions must be conducted professionally and respectfully.

Shield Point Capital reserves the right to monitor Platform activity and take appropriate action where users violate these Terms.

12.Loan Applications

Borrowers may submit financing requests through FinEra by providing required information and supporting documents.

By submitting a loan application:

• The borrower authorises FinEra to share relevant information with suitable participating lenders;
• The borrower confirms that all submitted information is accurate and complete;
• The borrower understands that submission of an application does not guarantee approval or financing.

Lenders may review applications and decide whether to provide financing offers based on their own assessment criteria.

Shield Point Capital does not make lending decisions and is not responsible for approval, rejection, or terms offered by lenders.

13.Blind Bid Process

Where enabled, FinEra may provide a Blind Bid feature that allows lenders to submit financing offers in response to borrower requests without initially revealing certain lender identities or competitive information.

The Blind Bid process is designed to:

• Increase transparency and competition among lenders;
• Allow borrowers to compare financing opportunities;
• Improve access to suitable financing options.

FinEra does not guarantee that the highest, lowest, or any specific offer will be accepted by a borrower.

All final financing agreements remain between the borrower and the selected lender.

14.Communication Services

FinEra may provide communication features that allow borrowers and lenders to interact, including:

• Secure messaging;
• Document exchange;
• Notifications;
• Voice or video communication features where available.

Users agree to use communication services responsibly and only for legitimate financing-related purposes.

Users must not:

• Send abusive, fraudulent, illegal, or harmful content;
• Attempt to bypass Platform security measures;
• Share confidential information without authorisation.

Shield Point Capital may retain communication records where required for security, dispute resolution, compliance, or legal purposes.

15.Document Uploads

Users may upload documents required for identity verification, financing applications, compliance checks, or communication purposes.

Users confirm that:

• They have the legal right to upload submitted documents;
• Documents provided are accurate and authentic;
• Uploaded content does not violate any person’s rights or applicable laws.

Users must not upload:

• False or fraudulent documents;
• Malicious files;
• Unlawful or prohibited content.

Shield Point Capital may review, store, and process uploaded documents according to its Privacy Policy and applicable data protection requirements.

16.Loan Negotiations

FinEra may allow borrowers and lenders to communicate and negotiate financing terms.

Users acknowledge that:

• Negotiations occur directly between borrowers and lenders;
• FinEra only provides the technology platform facilitating communication;
• FinEra does not guarantee successful negotiations or agreement;
• Users are responsible for reviewing all terms before entering into any financing agreement.

Any final loan agreement is solely between the borrower and lender.

17.Loan Disbursement

Loan disbursement is the responsibility of the relevant lender.

FinEra does not:

• Hold borrower funds;
• Guarantee loan disbursement;
• Control lender payment processes.

Once a lender approves financing, the lender and borrower are responsible for completing disbursement arrangements according to their agreement.

18.Loan Repayments

Borrowers are responsible for repaying loans according to agreements entered into with lenders.

FinEra does not collect repayments unless expressly stated and authorised under applicable regulations.

Lenders are responsible for:

• Managing repayment schedules;
• Communicating repayment requirements;
• Handling collections processes;
• Maintaining compliance with applicable lending laws.

Borrowers should direct repayment-related questions to the relevant lender.

19.Dispute Resolution

Users should attempt to resolve disputes directly with the relevant party before escalating the matter.

For disputes involving:

• Loan agreements — borrowers and lenders must resolve matters according to their contractual agreements;
• Platform services — users may contact Shield Point Capital for assistance.

Shield Point Capital may assist with communication or provide information but is not responsible for disputes arising from independent lending decisions.

20.Intellectual Property

All intellectual property rights relating to FinEra, including software, trademarks, logos, designs, features, content, and technology, are owned by or licensed to Shield Point Capital.

Users are granted limited permission to use the Platform for its intended purpose.

Users must not:

• Copy, modify, reverse engineer, or distribute Platform technology;
• Use Shield Point Capital trademarks without permission;
• Attempt to extract or misuse Platform systems or data.

21.Data Protection

Shield Point Capital processes personal information in accordance with its Privacy Policy and applicable data protection laws.

Users acknowledge that:

• Personal information may be collected, stored, processed, and shared for legitimate Platform purposes;
• Data processing is necessary for providing FinEra services;
• Users have rights regarding their personal information as described in the Privacy Policy.

22.Platform Availability

Shield Point Capital aims to maintain reliable access to FinEra but does not guarantee uninterrupted availability.

The Platform may temporarily become unavailable due to:

• Maintenance;
• Technical issues;
• Security updates;
• Third-party service interruptions;
• Events beyond our reasonable control.

Shield Point Capital will take reasonable steps to restore services where interruptions occur.

23.Prohibited Activities

Users must not use FinEra to:

• Submit false or misleading information;
• Commit fraud or financial crimes;
• Upload malicious software;
• Attempt unauthorised access;
• Harass or abuse other users;
• Circumvent Platform security;
• Conduct illegal activities.

Violation of these rules may result in suspension or termination of access.

24.Suspension and Termination

Shield Point Capital may suspend or terminate user accounts where:

• Users breach these Terms;
• Fraudulent or illegal activity is suspected;
• Required verification is not completed;
• Platform security is threatened;
• Access is required to comply with legal obligations.

Users may request account closure subject to applicable legal and regulatory requirements.

25.Limitation of Liability

To the maximum extent permitted by law, Shield Point Capital shall not be liable for:

• Loan approval or rejection decisions made by lenders;
• Losses arising from agreements between borrowers and lenders;
• Delays caused by third-party providers;
• User-provided inaccurate information;
• Unauthorised access caused by user negligence.

26.Indemnity

Users agree to protect and hold Shield Point Capital harmless from claims, losses, damages, liabilities, or expenses arising from:

• Violation of these Terms;
• Misuse of the Platform;
• Submission of false information;
• Violation of applicable laws or third-party rights.

27.Amendments

Shield Point Capital may update these Terms from time to time to reflect changes in services, technology, regulations, or business operations.

Users will be notified of material changes where required.

Continued use of FinEra after updates means acceptance of the revised Terms.

28.Governing Law

These Terms shall be governed and interpreted in accordance with the laws of Zimbabwe.

Any disputes arising from these Terms shall be handled according to applicable Zimbabwean laws and legal procedures.

29.Contact Information

For questions, concerns, or requests regarding these Terms of Service, please contact:

Website: https://shieldpointcapital.co.zw/