Privacy Policy

Last Updated: January 2026

1. Introduction

Welcome to eCredit Kenya Limited (“we,” “us,” or “our”). We are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you purchase a Product from us, use our mobile application (the “App”), or visit our website at www.ecreditkenya.co.ke.

By using our services, you consent to the data practices described in this policy and our Terms and Conditions.

2. Information We Collect

In order to assess your loan application and provide our financing services, we collect the following “Personal Information”:

• Identity Data: Full name, National ID/Passport number, date of birth, and gender.
• Contact Data: Physical address, email address, and mobile telephone number.
• Financial Data: Income details, M-PESA transaction history, and bank statements.
• Credit Data: Credit history reports obtained from Credit Reference Bureaus (CRBs).
• Device Data: Information from the pre-loaded security software, including GPS/GSM location, device identification numbers (IMEI), and data usage.
• Official Data: Information retrieved from the Government of Kenya’s Integrated Population Registration System (IPRS).

3. How We Use Your Information

We process your information for the following purposes:

• Loan Assessment: To determine your creditworthiness and eligibility for device financing.
• Service Delivery: To manage your account, process payments, and provide warranty services.
• Security & Tracking: To monitor the security of the Product and exercise our rights to lock the device in the event of default, as per your Financing Terms.
• Communication: To send you payment reminders, account updates, and marketing materials (where you have opted in).
• Fraud Prevention: To detect and prevent criminal activity or unauthorized alterations to our software.
• Legal Compliance: To comply with statutory and regulatory requirements in the Republic of Kenya.

4. Disclosure of Your Information

We may share your information with selected third parties, including:

• Government Authorities: Specifically for IPRS verification.
• Credit Reference Bureaus (CRB): For credit reporting and scoring.
• Service Providers: Third-party vendors who assist in payment processing, data analysis, and customer service.
• Professional Advisors: Our lawyers, auditors, and debt collection agents.
• Business Transfers: Any company that may become a subsidiary or holding company of eCredit Kenya Limited.

5. Data Security

We implement high-level technical and organizational security measures to protect your data from unauthorized access, alteration, or disclosure. This includes encryption and secure server hosting. However, no method of transmission over the internet or mobile network is 100% secure.

6. Data Retention

We will only retain your personal information for as long as is necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.

7. Your Legal Rights

Under the Data Protection Act, No. 24 of 2019, you have the right to:

• Request access to your personal data.
• Request correction of inaccurate or incomplete data.
• Object to the processing of your data for marketing purposes.
• Request the deletion of your data (subject to our legal right to retain data related to an active loan).

8. Cookies and Tracking

Our website uses cookies to distinguish you from other users and improve your experience. Our mobile application uses tracking software specifically to protect the Lender’s security interest in the financed device.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page and, where appropriate, notified to you via SMS or email.

10. Contact Us

If you have any questions about this Privacy Policy or our data protection practices, please contact our Data Protection Officer at:

eCredit Kenya Limited Email: info@ecreditkenya.co.ke Website: www.ecreditkenya.co.ke