Privacy Policy

1. Introduction

M-KOPA Loans ("we", "us", "our") is an independent service that helps eligible users access short-term mobile loans in Kenya. This Privacy Policy explains what information we collect, how we use it, and how we keep it secure. By using our website you agree to the practices described here.

2. Information We Collect

To assess loan eligibility and process applications, we may collect:

• Personal details — full name and national ID number.
• Contact information — phone number and, where provided, email address.
• Financial and eligibility information — income range, employment status, and other details you submit in the eligibility form.
• Transaction details — M-PESA phone number and payment references used to complete a transaction.
• Basic technical data — device type, browser, and usage patterns collected via cookies and analytics pixels.

3. How We Use Your Information

• Assess your loan eligibility and process your application.
• Contact you about your application, disbursement, or repayment.
• Improve our website, forms, and customer support experience.
• Comply with applicable legal and regulatory obligations.

4. Data Security

We apply reasonable technical and organizational measures to protect your data, including encrypted transmission (HTTPS) and restricted server-side access to sensitive records. No system is perfectly secure, but we work continuously to keep your information safe.

5. Third-Party Sharing

We do not sell your personal data. We share information only with trusted service providers strictly as needed to deliver our service — for example, our payment processor (PayHero / M-PESA) to complete a transaction — or where required by law. These providers are bound by their own confidentiality and security obligations.

6. Cookies & Analytics

We use cookies and analytics pixels (including TikTok Pixel) to understand how visitors interact with our site and to measure the performance of our marketing campaigns. You can disable cookies in your browser settings, though some parts of the site may not work as expected.

7. Your Rights

You may request access to, correction of, or deletion of your personal data at any time by contacting us through the "Contact Us" option in the site footer. We will respond within a reasonable time frame.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected on this page with an updated "Last updated" date.

9. Contact

Questions about this policy or your data? Use the Contact Us button in the site footer and our support team will get back to you.