CIM Financial Services Ltd (‘CFSL’), a company incorporated in the Republic of Mauritius with Business Registration Number C07057494 holds Credit Finance Licence issued by the Financial Services Commission (‘FSC’).

CFSL offers this https://cardportal.cim.mu (“Site”) as a service to users, under the following terms and conditions. In accessing this Site, you accept those terms and conditions of use. CFSL may, at any time and without notice, change these terms and conditions. It is your responsibility as a user to refer to the conditions of access to this service. Changes will be effective immediately and you will be deemed to have accepted any change if you continue to access this Site later.


Even if CFSL tries to ensure that information, software programs and description of services published on this Site are accurate, the company cannot give any express guarantee of their accuracy. The company shall not be liable for any inaccuracies and/or errors. You are thus advised to contact us for confirmation of any information contained on this Site before using it to make any decision or transaction.

CFSL does not guarantee that the Contents are accurate and up-to-date. CFSL has no obligation whatsoever to update the Contents. CFSL may modify the Contents at any time and without notice.

You agree that CFSL as well as companies affiliated to CFSL and their directors, managers, employees or agents shall not be liable, whether in contract, tort or otherwise, for any indirect damages including without limitation any direct, indirect, punitive, special, secondary or consequential damages, losses or costs arising from or related to your use of the Site or the delay or inability to use the Site even if CFSL has been informed of the possibility of such damages.

CFSL shall be responsible for acting only on those instructions sent through this Site. CFSL shall not be responsible, should you give incorrect instructions or if the payment instructions are not given sufficiently in advance to allow for timely payment.

CFSL shall not be responsible for any loss, harm or damage suffered by the user due to information being transmitted via the internet. CFSL reserves the right to request independent verification of any information transmitted via e-mail.

CFSL shall not be liable for any loss or damage whatsoever with regard to user’s personal data or other data directly or indirectly caused by malfunction of its system, third party systems, unlawful access to or theft of data, computer virus or destructive code on its system or third party systems such as telecommunication service providers, electricity suppliers, internet service providers or any event over which CFSL has no control.





The password issued to the user (“Password”) shall provide access to the Site. The user should ensure that they immediately on using the systems for the first time and on a regular basis to change their Password.

The user shall ensure that the Password is properly kept and ensure that it remains confidential.

In the event that:

i.                 the Password has fallen into the hands of an unauthorised person; and

ii.               of any unauthorised access to the Site the user should immediately notify CFSL.


The logos, marks and trademarks of CFSL published on this Site are the sole property of Cim Group. The Site and Site contents (“Contents”), including software and computer programmes, are protected by Mauritian copyright laws and international treaty provisions.

You are allowed to print, download or copy information, documents and other content solely for your personal use and not for any commercial use. No part of this Site may be sold, transmitted or used to create derivative works for commercial ends without the prior written permission of CFSL.


This Site may contain links to other Internet sites or offers the user content of Internet sites other than this Site via hyperlinks (“linked sites”). CFSL has no control over linked sites and CFSL shall not be held responsible for contents available on those sites.

As condition of use of this Site, you accept that CFSL cannot be held responsible for the availability or not of any linked site, or the content, adverts, products or other elements available on the linked site; or of any loss, threat or damage resulting from downloading or viewing of a linked site.


You agree to indemnify and hold harmless CFSL, its directors, employees, and its agents («compensation») from all claims, expenses, responsibilities, losses, costs and damages, including any legal cost, that may be incurred by CFSL as compensation due to (i) your use of this Site or any linked site or (ii) the content that you have provided.


Except as required by law, CFSL is committed to protect your confidential data; (“Your information”), as mentioned in the present paragraph, includes all information concerning you, provided by yourself or by third parties.

CFSL undertakes to maintain the confidentiality of all communications of users that contain personal data and which are directly transmitted to CFSL. Information transmitted by Internet is subject to control and interception and you will support the risks associated with such transfer of data. We cannot be held liable for any loss, prejudice or damage incurred by you while transferring information by Internet. We reserve the right to ask for independent verification of any information submitted by email or any other means. The confidentiality of any confidential or unsolicited personal information sent to CFSL through the Internet cannot be guaranteed.

CFSL Client 

If you are already a client of CFSL, the way your information is stored and used is described in our contract that you have approved in advance (or the terms and conditions accompanying the request for services). If you are a user of our electronic communication services, the terms and conditions of services provided, the terms of the agreement as well as any permission that you have granted to CFSL will show how the information that you have submitted will be processed.

You acknowledge and accept that, in submitting any personal information to CFSL via the Site, you agree to the transfer of this information beyond international frontiers, if it is deemed necessary to process such information in accordance with the policies and procedures of CFSL.


This Site is intended to provide general information on CFSL, our products and services, and other financial information which may be, among others, of interest to users without being as such references in the matter. The Content including all research, opinions or other content, is not intended to, and does not constitute financial, accounting, tax, legal, investment, or professional advice. CFSL will in no case whatsoever be liable for any loss or damage suffered by a user who would have used information obtained from this Site. Before making any decision or taking any action which might affect your personal or business financial situation, you should take appropriate advice from a qualified legal or financial adviser. It is your responsibility to assess the integrity, accuracy and usefulness of any opinion, advice or other Content available on this Site. CFSL only provides resources to facilitate and disseminate information.


All press releases, publications and other documents provided or made accessible to the public, which are contained on this Site are, to the knowledge of CFSL, relevant and timely when they are published. However, with time, the information may become obsolete and you should not rely on the accuracy of such documents beyond the issue dates. CFSL disclaims any responsibility to update the information contained in this Site. It is your responsibility to carefully check the dates of publication of the item contained in the Site.


Access and use of secure and/or password protected areas of this Site are restricted to authorised users only. Unauthorised persons attempting to access these areas may be subject to prosecution. CFSL reserves the right to seek all remedies at law for violations of the present terms and conditions, including the right to block access of an Internet address to this Site.




Users of this Site agree to be governed by the laws of the Republic of Mauritius. All disputes arising from the present terms and conditions shall be solely settled by courts of the Republic of Mauritius.

10. YOUR USE OF « CONTACT US » or email address « CardCallCentre@cim.mu » 

You may submit comments, information or any other content, provided it is not obscene, illegal, threatening, defamatory and/or does not violate a third party’s rights to confidentiality/ intellectual property. This content must not contain any computer viruses or be “mass mailing”, “chain letters” or any other type of “spam”. It is strictly forbidden to use a false email address, to impersonate another person or entity or to mislead us as to the origin of the information. In submitting any information, you represent and warrant that the content is accurate, that you own or are authorised to communicate the content you submit and that its use will cause no damage or prejudice to any other person or entity.


The content of our e-mails and any attachment thereto is confidential and intended solely for the use of the addressee(s). If you are not the intended recipient, or the person responsible for delivering it to the intended recipient, any unauthorised use, disclosure, copy transmission or any action or omission in relation to its content is strictly prohibited and may be unlawful. If you have mistakenly received this communication, please notify the sender and destroy the communication immediately and remove entirely from your system. Any views expressed in this e-mail are those of the sender, except where the sender specifically states them to be those of CFSL, to whom no liability shall be attached whatsoever. E-mails are susceptible to alteration. CFSL shall not be liable if the email is altered, changed or falsified or if it contains viruses.