Privacy Policy

Every Client Has a Unique Path to Financial Rediscovery
Second Chance Focused

Your privacy and financial dignity matter to us. This Privacy Policy explains how Utu Bora Credit collects, uses, and protects your personal information in compliance with the Data Protection Act of Kenya and applicable business regulations.

Our Commitment to You: We believe every client has a unique path to financial rediscovery and success. Unlike traditional lenders, we do not share your credit records with Credit Reference Bureaus (CRBs). We assess you based on your current potential, not your past mistakes.

1. Information We Collect

To provide you with personalized credit services, we collect the following types of information:

  • Personal Identification Information: Full name, ID/Passport number, date of birth, and photograph.
  • Contact Information: Email address, phone number, and postal address.
  • Financial Information: Employment details, income information, and bank account details.
  • KYC Documents: Identification documents and proof of residence.
  • Contact Persons: Names, phone numbers, emails, and relationships of your nominated contact persons.
  • Usage Data: Information about how you interact with our platform, including IP address, device information, and browser type.
  • Repayment Behavior: Data about your loan applications and repayment history with Utu Bora Credit only.

2. How We Use Your Information

We use your information for the following purposes:

  • To process and evaluate your loan applications based on your current financial capacity.
  • To verify your identity and conduct Know Your Customer (KYC) checks.
  • To communicate with you about your loan applications, repayments, and account status.
  • To improve our services and user experience.
  • To prevent fraud and ensure the security of our platform.
  • To help you build a positive financial record within our ecosystem.

3. Credit Information Sharing - Important Notice

We do NOT share your credit records with Credit Reference Bureaus (CRBs).

Unlike traditional lenders who report defaults to CRBs (Metropol, Creditinfo, TransUnion), Utu Bora Credit operates on a different philosophy. We believe:

  • Every client deserves a second chance regardless of their credit history elsewhere.
  • A financial misstep is just a moment, not a life sentence. We focus on where you're going, not where you've been.
  • Each borrower has a unique path to financial rediscovery and success.

What this means for you:

  • Your loan with Utu Bora Credit will never appear on your CRB report.
  • Late payments or defaults with us will not affect your ability to get loans from other lenders.
  • We assess you based on our internal trust system and your current ability to repay.
  • Good repayment behavior with us helps you rebuild financial confidence, but we do not "report" this to CRBs.

Information we may share (with your consent): We only share your information with third parties when necessary for loan processing (e.g., payment gateways, SMS providers) or when required by law enforcement with a valid court order.

4. Data Protection and Security

We are committed to protecting your data and have implemented comprehensive security measures:

  • Encryption: All sensitive data is encrypted during transmission and storage.
  • Access Controls: Your data is accessible only by authorized personnel on a need-to-know basis.
  • Secure Infrastructure: Our systems are hosted on secure servers with regular security audits.
  • Data Retention: We retain your data only for as long as necessary to fulfill our business and legal obligations.

5. Your Rights Under Kenyan Law

Under the Data Protection Act of Kenya (2019), you have the following rights:

  • Right to Access: Request a copy of your personal data held by us.
  • Right to Rectification: Request correction of inaccurate or incomplete data.
  • Right to Erasure: Request deletion of your data, subject to legal retention requirements.
  • Right to Withdraw Consent: Withdraw consent for data processing at any time.
  • Right to Complain: Lodge a complaint with the Office of the Data Protection Commissioner (ODPC) if you believe your rights have been violated.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. Cookies help us:

  • Remember your login preferences.
  • Analyze website traffic and usage patterns.
  • Improve our services based on user behavior.

You can manage your cookie preferences through your browser settings. However, disabling cookies may affect the functionality of certain features on our platform.

7. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any material changes will be communicated to you via email or through a notice on our website. We encourage you to review this policy periodically.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our Data Protection Officer:

Last Updated: March 2025