Legal

Bulk SMS Terms of Use

Last updated: 9 November 2026

These terms are an agreement between you and Venture Vault Investments Limited, trading as Smartfore Lending ("we", "us"), company registration number 120241001675, Shop No. 1, Snow White Complex, Chawama, Lusaka, Zambia. By creating an account or using the Bulk SMS service ("the Service") you accept them.

1. The Service

We let you send text messages to mobile phones in Zambia through our portal and our API, using credits you buy. We deliver messages through a licensed Zambian mobile network operator. We do not control the networks and cannot promise that every message reaches every handset.

2. Your account

  • You must be 18 or older, or a registered business or organisation.
  • You sign in with a code sent to your phone. Keep your phone and your API keys safe. You are responsible for everything done with your account and keys.
  • Give us true information. We may ask for proof of who you are before raising limits or approving a sender name.

3. Credits and payment

  • One credit sends one SMS part to one phone. A message of up to 160 plain characters is one part; longer messages and messages with special characters or emoji use more parts. The portal shows the cost before you send.
  • Prices are shown in Zambian Kwacha. Payment is by mobile money. Credits are added when payment is confirmed.
  • Credits do not expire while your account is active. Credits are not refundable for cash, except where we cannot deliver the Service or by our decision.
  • Credits for messages that fail on our side, or that you cancel before they are sent, are returned to your balance.
  • Transport and transaction fees charged by the mobile money provider may apply and are part of the price shown.

4. Sender names

A sender name is up to 10 letters or numbers and must be approved by the network operator. We submit your request, but approval is the operator's decision and can take several working days. You may not request a name that copies a bank, mobile network, government body or other organisation you do not represent. We may remove a sender name at any time if it is misused.

5. Acceptable use

You agree that you will not use the Service to send:

  • scams, fraud, phishing or messages that pretend to be someone else;
  • threats, harassment, hate or adult content;
  • messages to people who have not agreed to receive them, or who have asked you to stop. Every promotional message must make it easy to opt out, and you must honour opt-outs;
  • anything unlawful in Zambia, including political, lending or investment messages that break the law or the rules of the regulator;
  • messages that try to harm the network or avoid our limits.

6. Limits and suspension

New accounts have a daily sending limit, which we may raise or lower. We may hold, stop or cancel messages and suspend or close an account at any time, with or without notice, if we believe these terms are broken, the law requires it, or the network operator asks us to. Credits on an account closed for misuse may be forfeited.

7. Personal data

You are responsible for the contacts you upload and for having the right to message them. We store your contacts and message history so that the Service works, and we use them only to provide it. See our Privacy Policy. We follow the Data Protection Act, 2021 of Zambia.

8. Delivery

"Sent" means the network accepted the message for delivery. We do not currently receive handset delivery reports. Messages may be delayed or not delivered if a phone is off, out of coverage, blocked, or has opted out at network level.

9. Our liability

The Service is provided as is. To the fullest extent the law allows, we are not liable for indirect or business losses, or for network faults and delays. Our total liability for any claim is limited to the amount you paid us for credits in the 30 days before the claim.

10. Changes and law

We may update these terms and prices; the version on this page applies. These terms are governed by the laws of Zambia and the courts of Zambia.

11. Contact

Smartfore Lending, Shop No. 1, Snow White Complex, Chawama, Lusaka · info@smartforelending.com · +260 571 814 620