The information on this platform is for general informational purposes only and does not constitute an offer to lend or a guarantee of credit approval. All loan applications are subject to evaluation and approval based on our internal credit policy and regulatory guidelines. We assume no responsibility for any errors or omissions on this platform.
The content on this platform is not intended as legal, financial, or professional advice. It should not be used as a substitute for consultation with a qualified financial or legal advisor. Any decision you make based on the information provided is at your own risk.
Your Data Protection Rights:
We are a registered Data Controller with the Office of the Data Protection Commissioner (ODPC), and we are committed to processing your personal data in accordance with the Data Protection Act of 2019 and its regulations.
By using our services, you consent to the collection, processing, and storage of your personal data, including your full name, National Identification number, and transaction history, for the purpose of credit assessment, account management, and debt recovery.
We will only collect data that is adequate, relevant, and limited to what is necessary for our specified, legitimate purposes.
You have the right to access, rectify, or object to the processing of your personal data. We will handle such requests in a timely manner as required by law.
Disclosure to Third Parties:
You consent to us sharing your credit information, both positive and negative, with licensed Credit Reference Bureaus (CRBs) in Kenya for credit information sharing purposes.
You also agree that your data may be shared with our authorised third-party partners, such as debt collection agencies, under strict data protection agreements.
Your personal data will not be transferred outside Kenya without adequate safeguards and your explicit consent.
In accordance with the Banking (Credit Reference Bureau) Regulations, 2020, we may submit your credit information to a licensed CRB.
If your loan becomes non-performing, we will notify you in writing or electronically at least 30 days before submitting negative information to a CRB.
You have the right to request a copy of your credit report directly from a CRB once a year free of charge.
Before extending a loan, we will take reasonable steps to satisfy ourselves of your ability to repay the credit facility.
You will be provided with clear, fair, and transparent information regarding the terms and conditions of any credit facility, including the total cost of credit, interest rates, and all applicable fees and charges.
To the fullest extent permitted by Kenyan law, we will not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this platform or our services.
This limitation includes, but is not limited to, damages for loss of profits, data, or other intangible losses.
We are committed to addressing customer complaints promptly and fairly. If you have a dispute, you should first follow our internal complaint handling procedures, which are available on our website or by request.
If a dispute with a CRB is not resolved within the specified time, you have the right to attach a statement of dispute to your credit report.
We reserve the right to amend this policy at any time. All updates will be posted on this platform, and your continued use of our services will constitute your acceptance of the revised policy.