Use of Information

Konga Microfinance is committed to protecting your privacy in line with international best practices, including principles under Namibia’s Data Protection standards, the EU GDPR, and South Africa’s POPIA, where applicable.

• Collection & Processing: We collect personal information that you provide to us directly (e.g., when you complete forms or contact us) and indirectly (e.g., through cookies, analytics, and log files).
• Purpose: We use this information to provide services, process transactions, improve user experience, comply with legal obligations, and communicate with you.
• Legal Basis: We process your personal data on the basis of consent, contractual necessity, legal compliance, or legitimate interest.
• Retention: Data is only retained for as long as necessary to fulfil these purposes or comply with applicable laws.

User Rights

As a user, you have the following rights (subject to applicable laws):

• Right to access, correct, or update your personal data.
• Right to request deletion (“right to be forgotten”).
• Right to restrict or object to processing.
• Right to withdraw consent at any time.
• Right to data portability.

Requests can be made by contacting us at info@kongamicrofinance.com.na.

User-Submitted Content

By submitting information or materials to Konga Microfinance through this Website, you grant Konga Microfinance a worldwide, royalty-free, perpetual license to use such content for the purposes for which it was submitted. You warrant that you hold all rights to the material you provide and that it does not infringe the rights of third parties.

Cookies & Tracking

We use cookies and similar technologies to improve user experience and analyse Website traffic.

• Types of cookies:
  • Essential (site functionality)
  • Performance & analytics (e.g., Google Analytics)
  • Preferences (remembering settings)
  • Marketing & third-party cookies (only with your consent)

You can manage or disable cookies in your browser settings. However, disabling cookies may affect your ability to use some Website features.

We will not sell or share your personal information with third parties for marketing purposes without your explicit consent.

Data Security

Konga Microfinance employs reasonable technical, administrative, and organizational safeguards to protect your personal data against unauthorized access, alteration, disclosure, or destruction. While we strive to protect your data, no transmission over the internet can be guaranteed 100% secure.

Indemnification

You agree to indemnify and hold Konga Microfinance harmless against any claims, damages, liabilities, or expenses (including legal fees) arising from your violation of these Terms, misuse of this Website, or infringement of third-party rights.

Termination & Modification

Konga Microfinance reserves the right to modify these Terms and the Privacy Policy at any time. Updates will be posted on this Website with a “last updated” date. Continued use of the Website after such updates constitutes acceptance of the revised Terms.

We may suspend or terminate your access to this Website without prior notice if you violate these Terms or applicable laws.

Intellectual Property

All Website content—including text, graphics, logos, designs, and multimedia—is the property of Konga Microfinance and protected by copyright and intellectual property laws. No part of this Website may be copied, distributed, or reproduced without prior written permission.