Terms of Service
Updated: March 10, 2026
Legal Shield Summary
Tukakula provides Service-Based Credit. By accessing our capital, you subscribe to an advisory program. All fees are split between statutory interest (4%) and professional advisory fees (up to 36%) for business intelligence and risk modeling.
1. Binding Acceptance
These Terms constitute a legally binding agreement. By accepting any fund disbursement, you confirm you have the authority to bind yourself or your business entity to these financial obligations.
2. Definition of Advisory Services
Tukakula is a Business Advisory firm, not a commercial bank. Funding is provided as an ancillary service to our Consultancy Program, which includes:
- Liquidity Support: Direct funding for operations.
- Credit Capacity Consulting: Professional debt-to-income analysis.
- Performance Monitoring: Strategic repayment health tracking.
3. Facility Economics & Fee Split
Costs are transparently bifurcated to remain compliant with the Banking and Financial Services Act:
Note: Management and Advisory fees are deemed earned upon completion of Risk Modeling and are non-refundable.
4. Proprietary Risk Modeling
You grant Tukakula a non-exclusive license to perform automated modeling on your financial data (Mobile Money, Statements). This analysis is a core service. Privacy is maintained, but data is utilized for health scoring.
5. Mandatory Advisory Provision
Clients receive daily/weekly financial coaching via SMS and Dashboard. The fees in Section 3 cover this delivery. Failure to utilize the advice does not waive fee obligations.
6. Asset Recovery & Penalties
Late repayments exceeding 12 hours trigger automated recovery protocols:
7. Governing Law & Jurisdiction
Governed by the Laws of the Republic of Zambia. Any disputes shall be resolved exclusively in the Subordinate Courts of Lusaka District. All costs are accepted as fair and reasonable for the professional speed provided.