Privacy Policy
Policy
MWANANCHI CREDIT PRIVACY POLICY
At Mwananchi Credit Limited, we are committed to protecting your personal data and ensuring transparency in how we handle your information.
This Privacy Policy explains how we collect, use, store, and protect your personal data when you interact with our website, services, and loan products.
We process personal data in accordance with the Data Protection Act 2019 Kenya and applicable regulations issued by the Office of the Data Protection Commissioner Kenya.
1. Quick Summary (What This Policy Covers)
This policy explains:
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- What personal data we collect
- How and why we use your data
- Who we share your data with
- How long we keep your data
- Your rights as a data subject
- How we protect your information
2. Information We Collect
We may collect the following types of personal data:
a) Personal Information
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- Full name
- Phone number
- Email address
- National ID or passport details (where applicable)
b) Financial & Loan Information
Loan application details
Employment and income information
Asset details (e.g. logbook, title deed)
c) Technical Information
IP address
Device type
Browser type
Website usage data
3. How We Collect Your Data
We collect your data through:
- Website forms (loan applications and inquiries)
- Phone calls, WhatsApp, and emails
- Physical branch interactions
- Third-party verification sources (where legally permitted)
Cookies and tracking technologies
4.How We Use Your Data
We use your personal data to:
- Process and evaluate loan applications
- Verify your identity and assess creditworthiness
- Communicate with you regarding your application
- Provide customer support
- Improve our products and services
- Comply with legal and regulatory requirements
5. Legal Basis for Processing
We process your data based on:
- Your consent
- The performance of a contract (loan processing)
- Legal obligations under Kenyan law
- Our legitimate business interests, where applicable
We Offer Quick Loans
6. Sharing of Personal Data
We may share your personal data with:
Credit Reference Bureaus (CRBs)
Regulatory and government authorities
Financial and legal partners
Technology and service providers
Debt recovery and compliance partners
All third parties are required to maintain strict confidentiality and data protection standards.
7. Data Retention
We retain your data only for as long as necessary to:
- Fulfill the purpose for which it was collected
- Meet legal and regulatory requirements
- Resolve disputes and enforce agreements
8. Your Rights
Under Kenyan law, you have the right to:
- Access your personal data
- Request correction of inaccurate information
- Request deletion of your data
- Object to certain types of processing
- Withdraw your consent at any time
To exercise your rights, contact us using the details below.
9. Data Security
We take appropriate measures to protect your data, including:
- Secure servers and encryption
- Access controls and authentication
- Regular monitoring and system updates
We aim to protect your information against unauthorized access, loss, or misuse.
10. Cookies and Tracking Technologies
We use cookies to:
- Improve website functionality
- Understand user behavior
- Enhance user experience
For more details, please refer to our Cookie Policy.
11. Third-Party Links
Our website may contain links to third-party websites.
We are not responsible for the privacy practices of those external sites.
12. Updates to This Policy
We may update this Privacy Policy from time to time.
Any changes will be posted on this page with an updated revision date.