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ATS Zambia

TERMS & CONDITIONS

Advanced Transaction Systems (ATS) Zambia Limited
Website: www.ats.co.zm
Effective Date: 17 September 2026
Last Updated: 17 September 2026

1. Introduction

Welcome to the website of Advanced Transaction Systems (ATS) Zambia Limited (“ATS Zambia”, “ATS”, “we”, “us” or “our”).

These Terms & Conditions (“Terms”) govern your access to and use of www.ats.co.zm (the “Website”), including the information, content, services and functionality made available through the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Website.

These Terms should be read together with our Privacy Policy, which explains how ATS Zambia collects, uses and protects personal information.

2. About ATS Zambia

Advanced Transaction Systems (ATS) Zambia Limited is a Zambia-based technology and transaction systems company providing technology-related and business solutions to organisations, businesses and other users.

The services, products and solutions presented on this Website may include technology, transaction, travel, tourism, hospitality, booking, connectivity, digital and other related solutions.

Specific services may be subject to separate agreements, quotations, contracts, service-level agreements or additional terms.

Where separate terms apply to a particular service, those terms will take precedence over these general Website Terms to the extent of any inconsistency.

3. Acceptance of Terms

By using this Website, you confirm that:

  • You have read and understood these Terms;

  • You agree to comply with them;

  • You will use the Website lawfully;

  • You will not use the Website for fraudulent, unlawful or unauthorised purposes; and

  • Information you provide to ATS Zambia will be accurate and not misleading.

If you access the Website on behalf of an organisation, you confirm that you are authorised to represent that organisation for purposes of your interaction with ATS Zambia.

4. Website Use

You may use the Website for legitimate purposes, including:

  • Learning about ATS Zambia;

  • Viewing our products and services;

  • Contacting ATS Zambia;

  • Requesting information;

  • Submitting business enquiries;

  • Requesting quotations or proposals;

  • Accessing available resources; and

  • Engaging with other legitimate Website functionality.

You must not use the Website to:

  1. Commit or facilitate a criminal or unlawful act;

  2. Attempt to gain unauthorised access to our systems;

  3. Introduce viruses, malware or other harmful code;

  4. Interfere with the operation or security of the Website;

  5. Conduct unauthorised data mining, scraping or automated extraction;

  6. Impersonate ATS Zambia or another person or organisation;

  7. Submit false, misleading or fraudulent information;

  8. Circumvent security controls;

  9. Use the Website to distribute unsolicited or malicious communications;

  10. Infringe intellectual property or other rights; or

  11. Use the Website in a manner that could damage ATS Zambia, its systems, customers or business partners.

ATS Zambia reserves the right to restrict or terminate access where we reasonably believe these Terms have been violated.

5. Website Information

ATS Zambia makes reasonable efforts to ensure that information published on the Website is accurate and current.

However, information on the Website may occasionally contain:

  • Errors;

  • Omissions;

  • Outdated information;

  • Typographical errors; or

  • Information that is subject to change.

Website content is provided for general informational purposes and should not automatically be treated as a binding offer, quotation, guarantee or contractual commitment.

Specific commercial terms should be confirmed directly with ATS Zambia.

6. Products and Services

Information about ATS Zambia’s products and services on the Website is intended to provide a general overview.

Availability, pricing, specifications, features, implementation requirements and other commercial terms may vary depending on:

  • Customer requirements;

  • Service configuration;

  • Third-party providers;

  • Location;

  • Availability;

  • Applicable agreements; and

  • Other commercial or technical considerations.

ATS Zambia reserves the right to modify, discontinue or introduce products and services without prior notice, subject to applicable contractual obligations.

7. Enquiries and Requests

Submitting an enquiry through the Website does not automatically create a contractual relationship between you and ATS Zambia.

An enquiry, request for information or request for a quotation is subject to review by ATS Zambia.

A contract will only arise when the relevant parties have agreed to the applicable commercial terms and, where required, entered into a written agreement, purchase order, service agreement or other appropriate contractual arrangement.

8. Quotations and Proposals

Where ATS Zambia provides a quotation, proposal or commercial offer, the validity period, scope, pricing and other conditions specified in that document shall apply.

Unless expressly stated otherwise:

  • Website prices should not be interpreted as binding quotations;

  • Taxes, government charges or third-party fees may apply;

  • Prices may be subject to change;

  • Availability is not guaranteed until confirmed; and

  • A quotation may be subject to separate contractual terms.

9. Third-Party Services

ATS Zambia may integrate with, distribute, facilitate or provide access to services, technologies, platforms or products operated by third parties.

These may include technology providers, travel providers, airlines, hotels, booking platforms, payment providers, telecommunications providers, cloud service providers and other service providers.

Where a service is provided by a third party:

  • The third party’s terms may also apply;

  • Availability may be controlled by the third party;

  • ATS Zambia may not control the third party’s systems;

  • Third-party fees may apply; and

  • ATS Zambia cannot guarantee uninterrupted availability of third-party systems.

Where applicable, the relevant third party’s terms and conditions will govern the use of its service.

10. Travel, Tourism and Hospitality Services

Where ATS Zambia provides or facilitates travel, tourism, accommodation, booking, transportation or hospitality-related services, the relevant service provider’s terms may apply in addition to these Terms.

These may include terms imposed by:

  • Airlines;

  • Hotels;

  • Tour operators;

  • Car-hire companies;

  • Travel suppliers;

  • Booking platforms;

  • Insurance providers;

  • Immigration authorities; and

  • Other travel or tourism service providers.

Customers are responsible for reviewing applicable supplier terms, including cancellation, amendment, refund, baggage, visa, passport, insurance and other requirements.

ATS Zambia will not be responsible for changes, cancellations, delays or service failures caused by a third-party supplier except to the extent required by applicable law or expressly accepted under a separate agreement.

11. User Accounts

Where the Website or an associated ATS Zambia service allows you to create an account, you are responsible for:

  • Maintaining the confidentiality of your login credentials;

  • Providing accurate information;

  • Updating your information when necessary;

  • Preventing unauthorised access to your account; and

  • Immediately notifying ATS Zambia of suspected unauthorised access.

You must not share account credentials with unauthorised persons where doing so is prohibited by the applicable service terms.

ATS Zambia reserves the right to suspend or terminate accounts where there is reasonable evidence of misuse, fraud, security threats or violation of applicable terms.

12. Intellectual Property

Unless otherwise stated, all content appearing on the Website is owned by or licensed to ATS Zambia.

This may include:

  • Logos;

  • Trademarks;

  • Brand names;

  • Text;

  • Graphics;

  • Photographs;

  • Illustrations;

  • Videos;

  • Software;

  • Website designs;

  • Layouts;

  • Icons;

  • Documents; and

  • Other digital content.

These materials are protected by applicable intellectual property laws.

You may view and use Website content for legitimate personal or internal business purposes.

You must not, without prior written permission:

  • Reproduce substantial portions of the Website;

  • Copy or redistribute Website content commercially;

  • Modify or create derivative works from protected content;

  • Remove copyright or trademark notices;

  • Use ATS Zambia branding in a misleading manner;

  • Republish Website content as your own; or

  • Use ATS Zambia’s intellectual property in a manner that suggests an unauthorised association or endorsement.

13. Trademarks

The ATS Zambia name, logos, service names and other branding elements may constitute trademarks or protected intellectual property.

Nothing on the Website grants you a licence to use ATS Zambia’s trademarks unless expressly authorised in writing.

Third-party trademarks appearing on the Website remain the property of their respective owners.

14. User-Submitted Content

If the Website allows users to submit comments, reviews, testimonials, images, documents or other content, you remain responsible for the content you submit.

By submitting content, you confirm that:

  • You have the necessary rights or permission to submit it;

  • It does not unlawfully infringe another person’s rights;

  • It is not fraudulent or misleading;

  • It does not contain malicious software; and

  • It does not violate applicable law.

You grant ATS Zambia permission to use, reproduce, store and display such content for the purposes for which it was submitted, subject to applicable law and our Privacy Policy.

ATS Zambia reserves the right to remove content that violates these Terms or applicable law.

15. Website Availability

ATS Zambia aims to keep the Website available and functioning properly.

However, we do not guarantee that the Website will always:

  • Be available;

  • Operate without interruption;

  • Be free of errors;

  • Be completely secure;

  • Be compatible with every device or browser; or

  • Be free from viruses or other harmful components.

The Website may occasionally be unavailable because of maintenance, upgrades, technical problems, network failures or circumstances beyond our reasonable control.

16. Cybersecurity and Prohibited Activities

You must not attempt to compromise the Website or ATS Zambia’s systems.

Prohibited activities include:

  • Hacking;

  • Unauthorised penetration testing;

  • Port scanning;

  • Denial-of-service attacks;

  • Malware distribution;

  • Credential theft;

  • Unauthorised system access;

  • Circumvention of security measures;

  • Automated attacks; and

  • Any activity intended to disrupt or damage our systems.

ATS Zambia may investigate suspected security incidents and may report unlawful activity to appropriate authorities.

17. External Links

The Website may contain links to third-party websites.

These links may be provided for convenience or additional information.

ATS Zambia does not necessarily endorse or control third-party websites and is not responsible for:

  • Their content;

  • Availability;

  • Security;

  • Privacy practices;

  • Products or services; or

  • Terms and conditions.

Your use of third-party websites is at your own discretion and subject to their applicable terms.

18. Privacy and Data Protection

Your use of the Website is also subject to ATS Zambia’s Privacy Policy.

The Privacy Policy explains:

  • What personal information we collect;

  • How we use it;

  • How we protect it;

  • When it may be shared;

  • Data retention;

  • Your data protection rights; and

  • How to contact us about privacy matters.

ATS Zambia seeks to comply with applicable data protection and privacy requirements in Zambia.

19. Confidentiality

Information submitted through the Website should not be assumed to be confidential unless ATS Zambia expressly agrees to treat it as confidential or a confidentiality obligation otherwise applies.

If you need to exchange confidential commercial, technical or business information with ATS Zambia, appropriate confidentiality arrangements may be required.

20. Disclaimers

To the maximum extent permitted by applicable law, ATS Zambia does not make warranties or representations that:

  • The Website will always be available;

  • Website information will always be complete or error-free;

  • Services described on the Website will always be available;

  • Third-party services will operate without interruption;

  • Website content will meet every user’s particular requirements; or

  • The Website will be free from technical or security vulnerabilities.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law.

21. Limitation of Liability

To the maximum extent permitted by applicable law, ATS Zambia shall not be liable for indirect, incidental, special or consequential losses arising from or connected with your use of the Website.

This may include, where legally permissible:

  • Loss of profits;

  • Loss of revenue;

  • Loss of business opportunities;

  • Loss of data;

  • Business interruption; or

  • Reputational loss.

This limitation does not apply to liability that cannot lawfully be excluded or limited.

Where a particular product or service is governed by a separate agreement, the liability provisions in that agreement shall apply.

22. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold ATS Zambia, its directors, officers, employees, representatives and authorised agents harmless from claims, losses, damages, liabilities and reasonable costs arising from:

  • Your unlawful use of the Website;

  • Your breach of these Terms;

  • Your violation of another person’s rights;

  • Your submission of unlawful or misleading content; or

  • Your misuse of ATS Zambia’s systems.

23. Suspension and Termination

ATS Zambia may suspend or terminate your access to the Website where reasonably necessary, including where:

  • You breach these Terms;

  • Your activities create a security risk;

  • Your activities may expose ATS Zambia to legal liability;

  • You engage in fraudulent activity; or

  • Suspension is required for security, maintenance or operational reasons.

Termination or suspension does not affect rights or obligations that arose before the date of termination.

24. Changes to These Terms

ATS Zambia may update these Terms from time to time.

Changes may be made to reflect:

  • New services;

  • Changes to the Website;

  • Changes in technology;

  • Changes in business practices;

  • Changes in applicable law; or

  • Security and operational requirements.

The updated version will be published on the Website and the Last Updated date will be amended accordingly.

Your continued use of the Website after changes have been published constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

25. Force Majeure

ATS Zambia will not be responsible for failure or delay in performing an obligation where such failure or delay results from circumstances beyond our reasonable control.

Such circumstances may include:

  • Natural disasters;

  • Floods;

  • Fires;

  • Epidemics or pandemics;

  • War;

  • Civil unrest;

  • Government action;

  • Telecommunications failures;

  • Internet outages;

  • Cybersecurity incidents;

  • Power failures;

  • Strikes;

  • Failures of third-party providers; or

  • Other events beyond reasonable control.

26. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Zambia.

Subject to any mandatory legal requirements or dispute-resolution provisions contained in a separate agreement, disputes relating to these Terms shall be subject to the jurisdiction of the competent courts of Zambia.

27. Severability

If any provision of these Terms is determined to be unlawful, invalid or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable where legally possible.

The remaining provisions shall continue in full force and effect.

28. No Waiver

Failure by ATS Zambia to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision or any other provision in the future.

29. Entire Agreement

These Terms, together with the ATS Zambia Privacy Policy and any additional terms applicable to particular products or services, constitute the terms governing your general use of the Website.

Specific written agreements between ATS Zambia and its customers may contain additional or different provisions that take precedence over these Website Terms where applicable.

30. Contact Us

If you have questions about these Terms & Conditions, please contact:

Advanced Transaction Systems (ATS) Zambia Limited

Website: www.ats.co.zm

Email: [Insert official ATS email address]

Telephone: [Insert official ATS telephone number]

Physical/Postal Address: [Insert ATS Zambia physical or registered address]

For legal or contractual enquiries, please indicate that your communication concerns the Terms & Conditions.

31. Acceptance

By accessing and using www.ats.co.zm, you acknowledge that you have read, understood and agree to these Terms & Conditions.

© 2026 Advanced Transaction Systems (ATS) Zambia Limited. All Rights Reserved.