Privacy Policy

Last updated:

1. Introduction

At KopaKwetuKE, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan services, website, and mobile application.

By using our services, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

We collect various types of information to provide and improve our services:

Personal Information

  • Full name and contact details
  • National ID/passport information
  • Date of birth and gender
  • Physical and email addresses

Financial Information

  • Bank account and M-Pesa details
  • Credit history and scoring
  • Employment and income information
  • Loan application and repayment history

Technical Information

  • Device information and IP address
  • Browser type and version
  • Usage data and cookies
  • Location data (if enabled)

3. How We Use Your Information

We use your personal data for the following purposes:

Service Provision

Process applications, provide loans, and manage your account

Verification

Verify your identity and prevent fraud

Improvement

Enhance and personalize our services

Communication

Send important notices and updates

Compliance

Meet legal and regulatory requirements

We will never sell your personal information to third parties for marketing purposes without your explicit consent.

4. Information Sharing

We may share your information with:

  • Financial partners for credit scoring and risk assessment
  • Service providers who assist with operations (under strict confidentiality)
  • Regulatory authorities when required by Kenyan law
  • New owners in case of business transfer or merger

Important:

We only share the minimum necessary information and ensure all third parties maintain appropriate security standards.

5. Data Security

We implement robust security measures to protect your information:

  • Encryption of sensitive data in transit and at rest
  • Regular security audits and testing
  • Access controls and authentication protocols
  • Employee training on data protection

Despite these measures, no internet transmission is 100% secure. We encourage you to protect your login credentials and notify us immediately of any unauthorized access.

6. Your Rights

Under Kenyan data protection laws, you have the right to:

Access

Request a copy of your personal data we hold

Correction

Update or correct inaccurate information

Deletion

Request deletion of your data (subject to legal requirements)

Objection

Object to certain processing activities

To exercise these rights, please contact our Data Protection Officer using the details below.

7. Data Retention

We retain your personal data only as long as necessary to:

  • Provide the services you requested
  • Comply with legal obligations (typically 7 years for financial records)
  • Resolve disputes and enforce agreements

When no longer needed, we securely delete or anonymize your information.

8. Cookies and Tracking

We use cookies and similar technologies to:

  • Enable essential website functionality
  • Analyze usage patterns to improve our services
  • Personalize your experience

You can control cookies through your browser settings, but disabling them may affect service functionality.

9. Policy Updates

We may update this policy periodically to reflect:

  • Changes in our services
  • Legal and regulatory requirements
  • Industry best practices

We will notify you of significant changes through our website or direct communication. The "Last updated" date at the top indicates when changes were made.

Contact Our Data Protection Team

For privacy-related inquiries or to exercise your rights:

Email: privacy@kopakwetuke.co.ke
Address: Data Protection Officer, KopaKwetuKE, Nairobi, Kenya