Terms & Conditions

1. General Terms

D'ineiru Enterprises ("the Company," "we," "us") is a registered credit-only microfinance institution operating in Zimbabwe. These Terms govern all interactions with our platform, services, and staff.

• By opening an account, applying for a loan, submitting a pawn item, or placing an auction bid, you agree to these Terms in their entirety.
• These Terms constitute a legally binding agreement between you and D'ineiru Enterprises.
• We reserve the right to update these Terms at any time. Continued use of our services constitutes acceptance of revised Terms.
• You must be 18 years of age or older to use our services.
• You must provide accurate, truthful, and complete information at all times.

2. Account Terms

Creating a D'ineiru account is free and required to access loan, pawn, and auction services.

2.1 Account Creation

• You must provide valid identification, contact details, and accurate personal information.
• Each person may hold only one account. Creating duplicate accounts is prohibited.
• You are responsible for maintaining the confidentiality of your password.

2.2 Account Suspension & Termination

• D'ineiru Enterprises reserves the right to suspend or terminate any account exhibiting suspicious, fraudulent, or abusive activity without prior notice.
• Accounts may be suspended pending investigation of any financial irregularity.
• Terminated accounts will have access revoked. Outstanding obligations remain enforceable.

2.3 Account Deletion

• You may delete your account at any time via your dashboard settings.
• Account deletion removes your login access only. All application history, loan records, and transaction data are retained by D'ineiru Enterprises for a minimum of 7 years for regulatory and legal compliance purposes.
• Outstanding loan balances remain due regardless of account deletion.

3. Microloan Terms

3.1 Eligibility

• Loans are offered subject to credit assessment, identity verification, and document review.
• D'ineiru Enterprises reserves the right to reject any application without providing a reason, though rejection reasons may be shared upon client request.
• Loan amounts range from $20 to $200 USD equivalent.

3.2 Interest & Fees

• Standard interest rate: 5% per month on the principal amount.
• With approved collateral: 4% per month on the principal amount.
• No hidden fees or processing charges are applied without prior disclosure.

3.3 Repayment

• Repayment is due by the agreed due date as confirmed in your loan approval notification.
• Failure to repay on time may result in additional interest charges, legal recovery action, and credit reporting.
• Where collateral has been provided, D'ineiru Enterprises reserves the right to dispose of the collateral to recover outstanding amounts.

3.4 Collateral

• Collateral items are held securely by D'ineiru Enterprises for the duration of the loan.
• Items will be returned in the same condition upon full loan repayment.
• In the event of default, collateral may be auctioned or disposed of at the Company's discretion to recover the outstanding loan balance.

4. Pawn Shop Terms

• The pawn service allows clients to receive cash in exchange for valuable items held as security.
• All offers are subject to D'ineiru Enterprises' independent valuation of submitted items.
• The Company is not obligated to accept any submitted item or match any asking price.
• Counter-offers are made in good faith and based on current market conditions.
• Items accepted under pawn agreements are held securely. D'ineiru Enterprises is not liable for pre-existing damage.
• Items not redeemed within the agreed period may be listed for auction without further notice.
• Clients must provide truthful descriptions and accurate valuations. Misrepresentation is grounds for immediate rejection and possible legal action.

5. Auction Terms

5.1 Binding Nature of Bids

ALL BIDS AND BUY NOW PURCHASES ARE LEGALLY BINDING AND CANNOT BE REVERSED.

• By placing a bid or clicking Buy Now, you enter into a legally binding purchase agreement with D'ineiru Enterprises.
• The winning bidder is obligated to complete full payment within 48 hours of auction close.
• Failure to complete payment constitutes a breach of contract. D'ineiru Enterprises reserves the right to pursue civil legal action for recovery of the bid amount plus costs.
• Bids may not be withdrawn once placed.

5.2 Items

• All items are sold as described. D'ineiru Enterprises makes reasonable efforts to accurately describe item condition.
• Items are sold "as is." No warranty is implied beyond what is stated in the listing.
• D'ineiru Enterprises reserves the right to withdraw any item from auction at any time prior to close.

5.3 Payment

• Payment must be made to D'ineiru Enterprises directly via the confirmed payment method provided upon winning.
• Items will only be released upon receipt of cleared funds.

6. Payments

• All amounts are in USD or USD equivalent at the prevailing exchange rate.
• Accepted payment methods will be communicated at the time of transaction.
• D'ineiru Enterprises is not responsible for bank transfer fees or currency conversion costs incurred by the client.
• Receipts will be provided for all completed transactions.

7. Privacy & Data

• All personal data collected is used solely for the purpose of providing D'ineiru Enterprises' services and complying with legal obligations.
• We do not sell or share your personal data with third parties without your consent, except where required by law.
• Uploaded documents (ID, selfies, proof of residence) are stored securely and accessed only by authorised D'ineiru personnel.
• You may request a copy of your personal data by contacting us at dineiru025@gmail.com.

8. Legal & Jurisdiction

• These Terms are governed by the laws of Zimbabwe.
• Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Zimbabwe.
• D'ineiru Enterprises reserves the right to pursue legal action to recover outstanding amounts, enforce purchase agreements, or address fraudulent activity.
• If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force.

9. Investment Terms

D'ineiru Enterprises' investment programme is currently in development. Full terms will be published upon programme launch. Any investment arrangements prior to formal launch will be governed by individual agreements signed between parties.

10. Contact & Complaints

For any queries, disputes, or complaints regarding these Terms or our services, please contact us:

• Email: dineiru025@gmail.com
• Phone: +263 78 356 2207
• WhatsApp: +263 78 356 2207

We aim to respond to all formal complaints within 5 business days.