Afrikaloan Limited («we» or «us») takes your privacy seriously. This privacy policy explains why we collect data, what data we collect, how we store and transfer that data as well as who we may share the data with. You specifically authorize us to collect and process data in accordance with this privacy policy.

Why we collect data

We use your personal data to provide our services, improve the quality of services and products offered, for verifying your identity and creating credit scoring models, send notifications, offers and promotional materials, protect our rights and interests as well as the rights and interests of third parties, and comply with generally applicable laws. We also use this data for purposes of collections and credit reporting.

The data we collect

Your privacy and personal information is of utmost concern to us. We consider your privacy to be very important and would never share your personal information without your explicit consent and in any unlawful manner.

We may collect the following information:

  1. Information you give us about you (including your name, address, e-mail address and phone number, age and other registration information, financial and credit information, personal description and photos):

    • by registering or filling forms the Afrikaloan mobile application (for example, during applying for a loan);
    • by corresponding with us (for example, by e-mail or chat);
    • by downloading or registering the Afrikaloan mobile application;
  2. Information we collect about you and your device. Each time you download or visit our mobile application or website we may collect:

    • we may ask for your permission to view your SMS, Mpesa, Airtel Money and T-Kash SMS in particular and other pertinent information in order to verify your identity, your creditworthiness and to enable us to generate a credit score for you so as to provide you with personalized loans, to detect and prevent fraud and other illegal uses of our services; technical information, including the type of mobile device you use, unique device IDS (for example, IMEI or serial number), information about the SIM card, mobile network information, your device operating system, the type of browser you use, or your device location and time zone settings;

    • information stored on your device, including contact lists, call logs, SMS logs, Facebook friends, contact lists from other social media accounts, photos, videos or other digital content;

    • details of your use of our mobile application including traffic data, location data, weblogs and other communication data;

    • location information. We may also use GPS technology or other location services to determine your current location.

  3. Information we receive from other sources. We reserve the right to work with a limited number of third parties (including credit reference agencies, mobile network providers, and collection agencies) and may receive information about you from them.

Be informed that we use a tool that allows us to make automatic decisions. We use the above data to reduce the risk of making a mistake, lowering the risk of non-payment of a loan, and it allows to make a credit decision in a shorter period of time

How we transfer and store data

Because we are a part of an international group of companies with data-centers around the world, your data may be transferred to other countries including countries which do not have the same level of data protection laws as those in the country where you are located. We will, however, ensure that your data is protected to a strict standard.

Who we share data with

We may share your data with third parties in certain circumstances. We may, for example, share data with:

  1. credit bureaus, in requesting credit histories or reporting loan defaults;
  2. collections agencies, in seeking to collect overdue Loans;
  3. government bodies and law enforcement agencies, to comply with the law;
  4. professional advisers, to enforce or defend our legal rights;
  5. with a purchaser or seller in connection with a corporate event such as a merger, business acquisition or insolvency situation.

Contact information

If you have any questions about this privacy policy or other privacy issues, we can be reached at: Kenyan laws allow you to restrict the sharing of your Personal Information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at

Questions and Changes

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you when you next start the App or log onto one of the Services Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services. Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to