Privacy Policy

1. Introduction

Welcome to quick-loan.co.ke. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan services. Please read this privacy policy carefully.

By accessing or using our services, you agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the site.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Apply for a loan through our website
• Register for an account
• Contact us for customer support
• Subscribe to our newsletter or marketing communications

Personal information may include:

• Full name and date of birth
• National ID number or passport number
• Email address and phone number
• Physical address
• Employment and income information
• Bank account and mobile money details

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Referring URLs and pages visited
• Time and date of visits
• Clickstream data

3. How We Use Your Information

We use the information we collect for the following purposes:

• Loan Processing: To assess your loan application, verify your identity, and determine your creditworthiness
• Account Management: To create and manage your account, provide customer support, and process transactions
• Communication: To send you important information about your loan, updates, and promotional offers (with your consent)
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect, prevent, and investigate fraudulent or illegal activities
• Service Improvement: To analyze usage patterns and improve our website and services

4. How We Share Your Information

We may share your information with third parties in the following circumstances:

• Service Providers: We work with trusted third-party companies to perform services on our behalf, such as payment processing, credit checks, and data analysis
• Credit Reference Bureaus: We may share your information with credit reference bureaus in Kenya to assess your creditworthiness and report loan performance
• Legal Requirements: We may disclose your information when required by law, court order, or government authority
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity

We do not sell or rent your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure servers and databases with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection and confidentiality

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors we consider when determining retention periods include:

• The duration of your relationship with us
• Legal and regulatory requirements
• The need to defend or bring legal claims
• Our legitimate business interests

7. Your Rights

Under Kenyan data protection laws, you have the following rights regarding your personal information:

• Right to Access: You can request a copy of the personal information we hold about you
• Right to Correction: You can request that we correct any inaccurate or incomplete information
• Right to Deletion: You can request that we delete your personal information, subject to legal obligations
• Right to Object: You can object to the processing of your personal information for certain purposes
• Right to Withdraw Consent: You can withdraw your consent at any time where we rely on consent to process your information

To exercise any of these rights, please contact us using the information provided at the end of this policy.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website performance and functionality
• Deliver relevant advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website. For more information, please see our Cookie Policy.

9. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website with a new "Last updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: