Privacy Statement

Privacy Statement

Cactus Financial Services Online Privacy Statement

Effective Date: 1 August 2014

This Online Privacy Statement describes how Cactus Financial Services collects and uses your personal information (“Information”) that we obtain when you visit and/or use our Web site from within Zambia.


Cactus Financial Services collects Information about you from a variety of sources including those listed below. You consent to the collection, transfer and storage of this Information by computers or other transfer or storage devices in Zambia and elsewhere when you supply it, including the transfer and retention of your data outside of the Common Wealth of Countries, including the United States, whose laws on holding personal data may be less stringent.

We collect Information you supply when: (a) you ask us or one of our affiliated companies, other Western Union agents or suppliers (“Affiliates”) to send or receive money or to provide other goods or services; (b) you submit Information on applications or other forms to us or our Affiliates; or (c) you otherwise submit Information to us, our Affiliates or others;

We collect Information about your transactions with us, Western Union or others;

We collect Information about you from a variety of third party sources such as our business customers, government agencies and consumer reporting agencies and other suppliers of public information in order to verify any of the information you provide in order to effect, administer and enforce transactions and maintain the accuracy of your records;

We collect Information about the domain and host from which you access the Internet; your computer’s Internet address; the browser and operating system software you use; the date and time you access our Web site and the Internet address of the site from which you linked to our Web site when you visit us;

We collect and retain your bank card details for use in future transactions; and

We collect Information on your online activity as described in the paragraph below titled “INTERNET TECHNOLOGY.”


We use internet technologies like cookies and Web beacons for a variety of purposes, including, but not limited to, those identified below.

  • To assist us in providing services to you;
  • To allow you to change Web pages during your visit without having to re-enter your password;
  • To temporarily track activity on our Web site;
  • To determine whether you came to our site from a banner ad or an Affiliate Web site;
  • To deliver Information specific to your interests on additional Web sites; or
  • To identify you when you visit the Website, to personalize the content of the Website for you and to assist you in carrying out transactions and accessing account information.

Cactus Financial Services has implemented the capability for the user to manage cookies on our website. We will only read or write cookies based on your preference level, (note: cookies set prior to you changing your preference level are maintained on your computer, to remove them please refer to your browser settings). If your browser does not support JavaScript you can find out about the cookies used on our website and can only manage the use of cookies through your web browser settings. Please note that if you disable all cookies on your browser, this will limit the features of this website and may impact the ability to complete your transaction.


Subject to your consent or as otherwise permitted by law, we may disclose the Information we collect in the paragraphs titled, “INFORMATION WE COLLECT” and “INTERNET TECHNOLOGY” to our Affiliates and to unaffiliated third parties as described below.

We may disclose Information with Western Union and its Affiliates to effect, administer and complete transactions:

  • Western Union International Limited
  • Western Union Financial Services
  • Western Union Online Limited, Zambian Banks, credit card companies, credit reporting agencies

We may disclose Information about current and former consumers to the following types of third parties and for the following purposes, which are not subject to your consent:

Legal, regulatory, security and processing requirements, Zambian government requirements and foreign government requirements applicable to us or our Affiliates or service providers; and

Non-financial companies such as HP Services 5400 Legacy Drive, to maintain consumer choice in the marketing database and complete data analysis.

As permitted or required by law.

We may only disclose Information about current and former consumers upon notice that you have provided unambiguous consent (opt-in) to perform marketing, business analysis and advertizing services with companies only with whom we have contractual or joint marketing arrangements.


We endeavor to maintain physical, electrical and procedural safeguards that comply with applicable government regulations to guard your Information. We also endeavor to restrict Information access to our employees and representatives that need to know it. Despite our efforts, and as you probably know, third parties may unlawfully intercept or access transmissions sent to us or may wrongly instruct you to disclose Information to them while posing as Cactus Financial Services.


To better serve you and provide communications regarding new services or promotions, you will need to instruct Cactus Financial Services on your choice regarding disclosure. Your choice may be for disclosures of Information to our Affiliates only, or to disclose your Information to non-affiliated third parties as well as our partners. Your choice can be submitted to us during the registration or transaction process or you can contact us using the information provided in the “Contact Us” section below.

Some disclosures are not subject to your consent. These include, among others, disclosures necessary to effect, administer or enforce a transaction you request; disclosures: i) as permitted or required by law; ii) for public safety; iii) to prevent fraud; or iv) in connection with other illegal activities.

Cactus Financial Services maintains your choice and transaction history based on our record retention schedules. If you do not perform another transaction within the retention time period, your Information, as well as your choice will be removed.


We permit consumers to exercise their rights of access, correction, cancellation and objection, to do so you can contact us using the information provided in the "Contact Us" section below. To protect your privacy, we also will take reasonable steps to verify your identity before making corrections. We reserve the right to independently verify claims made, where permitted by law; we reserve the right to assess a service charge for providing you any information in connection with your request.


Cactus Financial Services' Website may be linked to or from third party Websites. Cactus Financial Services is not responsible for the content or privacy practices employed by Websites that are linked to or from our Website.


Cactus Financial Services reserves the right to modify this Privacy Statement. Updated Privacy Statements will be posted at this Website when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement. You may change your choices at any time.


We accept questions by regular mail and by telephone at the locations identified below:

BY EMAIL: This email address is being protected from spambots. You need JavaScript enabled to view it.

About CFS

Cactus Financial Services was incorporated on 9th November,2007 to provide money transfer services under the Western Union Franchise.

Its certificate of designation from Bank of Zambia was issued on 14th November 2008.


Contact Us

Address: Shop No. 3,
Luangwa House Cairo Road, 
Lusaka Business Center

Phone: +260-211-221180


© 2016 Cactus Financial Services. All Rights Reserved. Designed By Duke Muchindu