Privacy Policy

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, apply for a loan, or contact us for support.

• Personal Information: Name, email address, phone number, ID number, date of birth
• Financial Information: Income details, employment information, bank account details
• Device Information: Device type, operating system, app version
• Usage Data: How you interact with our app and services

2. How We Use Your Information

• Process loan applications and manage your account
• Verify your identity and assess creditworthiness
• Communicate with you about your loans and account
• Improve our services and develop new features
• Comply with legal and regulatory requirements
• Prevent fraud and ensure platform security

3. Information Sharing

We may share your information in the following circumstances:

• Credit Reference Bureaus: For credit assessment and reporting
• Payment Processors: To process loan disbursements and repayments
• Service Providers: Third parties who help us operate our platform
• Legal Requirements: When required by law or to protect our rights

4. Data Security

We implement appropriate security measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security audits and monitoring
• Compliance with industry security standards

5. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Request transfer of your data to another service
• Objection: Object to certain processing of your data

6. Third-Party Services

Our app integrates with the following third-party services:

• Truecaller: For phone number verification
• M-Pesa: For payment processing
• Metropol CRB: For credit reference checks
• Supabase: For data storage and management

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Loan-related data may be retained for up to 7 years as required by financial regulations.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date.

10. Contact Us

If you have any questions about this privacy policy or our data practices, please contact us: