Common use of ACCEPTANCE OF THE TERMS AND CONDITIONS Clause in Contracts

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before downloading or streaming the App, or opening an account with Pata Mkopo (“Account”) via our mobile, USSD and web-based loan services system (“System”) you should carefully read and understand these Terms and Conditions which will govern the use and operation of the App and the Account. 3.2 After downloading the App, you will be deemed to accept the Terms and Conditions upon clicking or checking the “Accept” option on Pata Mkopo’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions. 3.3 If you do not agree with these Terms and Conditions: (a) please click the “Decline” option in Pata Mkopo’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and operate the Account. 3.5 Please note that you will not be able to access the Services if you decline the Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata Mkopo, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the Terms and Conditions herein are without prejudice to any other right that Pata Mkopo may have with respect to the Account in law or otherwise. 3.7 These Terms and Conditions may be amended or varied by Pata Mkopo from time to time and the continued use of the Services constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 1.1 Before downloading or streaming the App, or opening an account with Pata Mkopo Zenka (“Account”) via our mobile, USSD and web-based loan services system (“System”) you should carefully read and understand these Terms and Termsand Conditions which will govern the use and operation of the App and the Account. 3.2 3.1 After downloading the App, you will be deemed to accept the Terms and Conditions upon clicking or checking the “Accept” option on Pata MkopoZenka’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions. 3.3 3.2 If you do not agree with these Terms and Conditions: (a) please click the “Decline” option in Pata MkopoZenka’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 3.3 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and operate the Account. 3.5 3.4 Please note that you will not be able to access the Services if you decline the Terms and Conditions. 3.6 3.5 By downloading and installing the App and opening an Account with Pata MkopoZenka, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the Terms and Conditions herein are without prejudice to any other right that Pata Mkopo Zenka may have with respect to the Account in law or otherwise. 3.7 3.6 These Terms and Conditions may be amended or varied by Pata Mkopo Zenka from time to time and the continued use of the Services constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 3.7 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. 3.9 3.8 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before downloading or streaming the App, or opening an account with Pata Mkopo (“Account”) Account via our mobile, USSD and web-based loan services system (“System”) the System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the App and the Account. 3.2 After downloading the App, you will be deemed given the opportunity as part of registration process to accept the these Terms and Conditions upon by clicking or checking on the “Accept” option on Pata Mkopo’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions.relevant box.‌ 3.3 If you do not agree with these Terms and ConditionsConditions depending of the applying process: (a) please click the “DeclineReject” option in Pata Mkopo’s the System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing by clicking on the App; and/orrelevant check- box as described in clause 3.2; (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or; (dc) by using or continuing to use and operate the Account; and/or (d) every time you make an application for a Loan. 3.5 Please note that you will not be able to access the Services if you decline the do not accept these Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoZenka or accepting the Services, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the these Terms and Conditions herein are without prejudice to any other right rights that Pata Mkopo Zenka may have with respect to the Account in law or otherwiselaw. 3.7 These Terms and Conditions may be amended or varied by Pata Mkopo Zenka from time to time and the continued use of the Services or the operation of the Account constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changeschanges and publish any amendments of these Terms and Conditions and indicate the date of publication and therefore the date of any applicable amendment. This may result in different terms and conditions applying to any new Loan you wish to take. 3.8 From time to time updates to these Terms and Conditions or the App may be issued through a notification on the websiteApp. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. You have the right to decline the updated version of these Terms and Conditions. If you reject the updated version of these Terms and Conditions, you will thereafter not be able to access the Services. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us (and to our affiliates' and licensees' ') to the transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our for credit scoring services or to improve our Services and/or or your experience while using the App. The processing of your data will be done in accordance with the provisions of these Terms and Conditions, the Data Protection Act, Privacy Policy and any other applicable laws and regulations, governing the protection of personal data. 3.10 At its sole discretion, Zenka reserves the right to decline your application, or any new application for the Services or to revoke an application that has been granted, at any stage without any reason or giving any you notice there of

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before downloading opting-in or streaming registering for the AppService, or opening an account with Pata Mkopo (“Account”) via our mobile, USSD and web-based loan services system (“System”) you should carefully read and understand these Terms terms and Conditions which will conditions as they govern the access, use and operation of the App Service. These Terms and the AccountConditions are available on xxx.xxxxxxxxx.xx.xx and xxx.xxxxxxxx.xxx. Where you are unable to read and understand these terms and conditions from an electronic device you are requested to collect a printed version from a Safaricom Shop. 3.2 After downloading the App3.2. You may only access this Service upon upgrading your M-PESA Account to a transacting till wallet as per our Lipa na M-PESA Terms and Conditions. 3.3. If your M-PESA Account is issued by a Safaricom aggregator partner or agent, you may not access the Service unless you register directly using Safaricom M-PESA Business Till onboarding processes in accordance with the latest Lipa na M- PESA Terms and Conditions. 3.4. If you do not agree with these terms and conditions, please click “Decline” on the Opt-in Function. 3.5. You will be deemed to accept the Terms have read, understood and Conditions accepted these terms and conditions: 3.5.1. upon clicking or checking on the “Accept” option on Pata Mkopo’s System asking the Opt-in page requesting you to confirm that you have read, understood and agreed to abide by these Terms terms and Conditions. 3.3 If you do not agree with these Terms conditions; and Conditions: (a) please click the “Decline” option in Pata Mkopo’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) 3.3.2. by using or continuing to use and operate requesting for the AccountService. 3.5 Please note that you will not be able to access 3.4. By registering for the Services if you decline the Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoService, you agree to comply with and be bound by the Terms these terms and Conditions governing the operation of the Account conditions as amended and revised from time to time and you affirm that the Terms these terms and Conditions herein conditions are without prejudice to any other right rights that Pata Mkopo we may have with respect to the Account in law or otherwiseotherwise regarding your registration, access and use of the Service. 3.7 These Terms and Conditions 3.5. We may be amended or varied by Pata Mkopo from time to time vary or amend these terms and the conditions and your continued access and use of the Services Service constitutes your express agreement acceptance to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before downloading or streaming the App, or opening an account with Pata Mkopo (“Account”) Account via our mobile, USSD and web-based loan services system (“System”) the System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the App and the Account. 3.2 After downloading the App, you will be deemed given the opportunity as part of registration process to accept the these Terms and Conditions upon by clicking or checking on the “Accept” option on Pata Mkopo’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions.relevant box.‌ 3.3 If you do not agree with these Terms and ConditionsConditions depending of the applying process: (a) please click the “DeclineReject” option in Pata Mkopo’s the System; oror‌ (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing by clicking on the App; and/orrelevant check- box as described in clause 3.2; (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or; (dc) by using or continuing to use and operate the Account; and/or (d) every time you make an application for a Loan. 3.5 Please note that you will not be able to access the Services if you decline the do not accept these Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoXxxxx or accepting the Services, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the these Terms and Conditions herein are without prejudice to any other right rights that Pata Mkopo Xxxxx may have with respect to the Account in law or otherwiselaw. 3.7 These Terms and Conditions may be amended or varied by Pata Mkopo Xxxxx from time to time and the continued use of the Services or the operation of the Account constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changeschanges and publish any amendments of these Terms and Conditions and indicate the date of publication and therefore the date of any applicable amendment. This may result in different terms and conditions applying to any new Loan you wish to take. 3.8 From time to time updates to these Terms and Conditions or the App may be issued through a notification on the websiteApp. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. You have the right to decline the updated version of these Terms and Conditions. If you reject the updated version of these Terms and Conditions, you will thereafter not be able to access the Services. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us (and to our affiliates' and licensees' ') to the transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our for credit scoring services or to improve our Services and/or or your experience while using the App. The processing of your data will be done in accordance with the provisions of these Terms and Conditions, the Data Protection Act, Privacy Policy and any other applicable laws and regulations, governing the protection of personal data. 3.10 At its sole discretion, Zenka reserves the right to decline your application, or any new application for the Services or to revoke an application that has been granted, at any stage without any reason or giving any you notice there of

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 1.1 Before downloading or streaming the App, or opening an account with Pata Mkopo Xxxxx (“Account”) via our mobile, USSD and web-based loan services system (“System”) you should carefully read and understand these Terms and Conditions TermsandConditions which will govern the use and operation of the App and the Account. 3.2 3.1 After downloading the App, you will be deemed to accept the Terms and Conditions upon clicking or checking the “Accept” option on Pata MkopoXxxxx’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions. 3.3 3.2 If you do not agree with these Terms and Conditions: (a) please click the “Decline” option in Pata MkopoZenka’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 3.3 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and operate the Account. 3.5 3.4 Please note that you will not be able to access the Services if you decline the Terms and Conditions. 3.6 3.5 By downloading and installing the App and opening an Account with Pata MkopoXxxxx, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the Terms and Conditions herein are without prejudice to any other right that Pata Mkopo Xxxxx may have with respect to the Account in law or otherwise. 3.7 3.6 These Terms and Conditions may be amended or varied by Pata Mkopo Xxxxx from time to time and the continued use of the Services constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 3.7 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. 3.9 3.8 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 2.1. Before downloading or streaming applying for the App, or opening an account with Pata Mkopo (“Account”) ZED-FIN Loan via our mobile, USSD and web-based loan services system (“System”) the MoMo System you should carefully read and understand these Terms and Conditions which (T&Cs). These T&Cs will govern the use and operation of the App and the Accountsaid services. 3.2 After downloading 2.2. If you do not agree with these Terms and Conditions, please click “Decline” on the App, you ZED-FIN Menu. 2.3. You will be deemed to accept the have read, understood, and accepted these Terms and Conditions upon clicking or checking on the “Accept” option on Pata Mkopo’s System asking the ZED-FIN Loan menu requesting you to confirm that you have read, understood understood, and agreed to abide by these Terms and Conditions. 3.3 If you do not agree with these Terms and Conditions: (a) please click 2.4. By applying for the “Decline” option in Pata Mkopo’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and operate the Account. 3.5 Please note that you will not be able to access the Services if you decline the Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoZED-FIN Loan, you agree to comply with and be bound by the these Terms and Conditions governing as long as you have access to the operation of the Account services and you affirm that the these Terms and Conditions herein are without prejudice to any other right that Pata Mkopo Zed-Fin may have with respect to the Account said services in law or otherwise. 3.7 2.5. These Terms and Conditions may be amended or varied by Pata Mkopo Zed-Fin from time to time and will be communicated on the Zed-Fin Website as the case may be. The continued use of the Services your ZED-FIN Loans constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 From time 2.6. You acknowledge and accept that Zed-Fin offers the ZED-FIN Loans only electronically and you agree to time updates to do business with Zed-Fin for the App may be issued through purpose of accessing ZED-FIN Loans only by electronic means via the website. Depending ZED- FIN Loans Menu on the nature of MoMo Platform. 2.7. If you want to lodge any complaint regarding the updateService, you may contact MMM as follows: 2.7.1. Email: XxXxXxxxxxx.XX@xxx.xxx 2.7.2. Call the Customer Care number: 111 2.7.3. Visit any of our designated service centers and connect stores 2.8. For the avoidance of doubt, you acknowledge and accept that you will not be able allowed or entitled to use receive or demand the Services until you have downloaded pertaining to ZED-FIN Loans at any branch or streamed branches of Zed-Fin unless otherwise advised by Zed-Fin in its sole discretion. You further acknowledge and accept that the latest version Customer Call Centre is not a branch of Zed-Fin or Zed-Fin’s Agent for purposes of conducting transactions and that it will not act as such. All complaints submitted via the App channels stipulated in 2.7 will be resolved in timelines not exceeding industry standard and accepted any updated version in line with the Bank of these Terms and Conditions, if anyZambia Customer Complaints Directives. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before downloading opting-in or streaming registering for the AppService, or opening an account with Pata Mkopo (“Account”) via our mobile, USSD and web-based loan services system (“System”) you should carefully read and understand these Terms and Conditions which will of Use as they govern the access, use and operation operations of the App Service. These Conditions Of Use will be made available on xxx.xxxxxxx.xx.xx . Where you are unable to read and the Account.understand these Conditions Of Use from an electronic device you are requested to collect a printed version from a Vodacom Shop 3.2 After downloading If you do not agree with these Conditions of Use, please click “Decline” on the App, you Opt-in Function. You will be deemed to accept the Terms have read, understood and accepted these Conditions upon of Use; Upon clicking or checking on the “Accept” option on Pata Mkopo’s System asking the Opt- in Function requesting you to confirm that you have read, understood and agreed to abide by these Terms Conditions Of Use; and Conditions. 3.3 If you do not agree with these Terms and Conditions: (a) please click the “Decline” option in Pata Mkopo’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing the App; and/or (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and operate requesting for the AccountService. 3.5 Please note that you will not be able to access 3.3 By registering for the Services if you decline the Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoService, you agree to comply with and be bound by the Terms these Conditions of Use as amended and Conditions governing the operation of the Account revised from time to time and you affirm that the Terms and these Conditions herein Of Use are without prejudice to any other right rights that Pata Mkopo we may have with respect to the Account in law or otherwise.otherwise regarding your registration, access and use of the Service 3.7 These Terms and Conditions 3.4 We may be amended or varied by Pata Mkopo from time to time vary or amend these Conditions of Use and the your continued access and use of the Services Service constitutes your express agreement acceptance to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changes. 3.8 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of 3.5 By accepting these Terms and Conditions, if anyyou agree and admit that we reserve the exclusive right to contact you by phone and or text message about issues concerning your insurance loan including but not limited to repayment reminders and insurance cover cancellation. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us and our affiliates' and licensees' transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before downloading or streaming the App, or opening an account with Pata Mkopo (“Account”) Account via our mobile, USSD and web-based loan services system (“System”) the System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the App and the Account. 3.2 After downloading the App, you will be deemed given the opportunity as part of registration process to accept the these Terms and Conditions upon by clicking or checking on the “Accept” option on Pata Mkopo’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions.relevant box.‌ 3.3 If you do not agree with these Terms and ConditionsConditions depending of the applying process: (a) please click the “DeclineReject” option in Pata Mkopo’s the System; oror‌ (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions: (a) downloading and installing by clicking on the App; and/orrelevant check- box as described in clause 3.2; (b) upon sending back by SMS the unique code sent to you; and/or (c) upon registration of an Account; and/or; (dc) by using or continuing to use and operate the Account; and/or (d) every time you make an application for a Loan. 3.5 Please note that you will not be able to access the Services if you decline the do not accept these Terms and Conditions. 3.6 By downloading and installing the App and opening an Account with Pata MkopoZenka or accepting the Services, you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the these Terms and Conditions herein are without prejudice to any other right rights that Pata Mkopo Zenka may have with respect to the Account in law or otherwiselaw. 3.7 These Terms and Conditions may be amended or varied by Pata Mkopo Xxxxx from time to time and the continued use of the Services or the operation of the Account constitutes your express agreement to be bound by the terms of any such amendment or variation. We will take all reasonable measures to notify you of any such changeschanges and publish any amendments of these Terms and Conditions and indicate the date of publication and therefore the date of any applicable amendment. This may result in different terms and conditions applying to any new Loan you wish to take. 3.8 From time to time updates to these Terms and Conditions or the App may be issued through a notification on the websiteApp. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any updated version of these Terms and Conditions, if any. You have the right to decline the updated version of these Terms and Conditions. If you reject the updated version of these Terms and Conditions, you will thereafter not be able to access the Services. 3.9 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use the Services, you consent to us (and to our affiliates' and licensees' ') to the transmission, collection, sharing, disclosure, retention, maintenance, processing and use of your data to determine our for credit scoring services or to improve our Services and/or or your experience while using the App. The processing of your data will be done in accordance with the provisions of these Terms and Conditions, the Data Protection Act, Privacy Policy and any other applicable laws and regulations, governing the protection of personal data. 3.10 At its sole discretion, Zenka reserves the right to decline your application, or any new application for the Services or to revoke an application that has been granted, at any stage without any reason or giving any you notice there of