1. Introduction
This privacy statement describes how EasyCash Capital Limited protects the personal data it processes, why and how we collect and use your personal data, and how you can exercise your rights in relation to the processing of your personal data.
This privacy statement should be read together with the Terms and Conditions of Use for other EasyCash Capital Limited products and services. Where there is a conflict, this privacy statement will prevail.
Our Commitment
We are a duly licensed Data Protection Agent as required by law, and we do due diligence to safeguard your personal information from unauthorized access or use.
2. Information We Collect
EasyCash Capital will only collect personal data about you insofar as is necessary to achieve the purposes set out in this privacy statement. We collect your personal information with your knowledge and consent, except in cases where prior consent cannot be obtained for real reasons and the processing of the data is permitted by law.
When We Collect Information
We collect your personal information when you:
- Make an application or use any of our products and services
- Visit our premises or use our online platforms
- Contact us with queries or complaints
- Apply for employment with us
- Subscribe to our services or marketing communications
- Attend events sponsored by EasyCash Capital
- Engage with us as a supplier, agent, or business partner
Types of Information Collected
Personal Identification
- Full name, title, and photograph
- Date of birth, age, and gender
- Nationality and marital status
- ID number, passport number, or other identification documents
- Signature specimen
Contact Information
- Physical address and location
- Phone number and email address
- Social media addresses (Facebook, Twitter)
Financial Information
- Bank account details and transaction history
- Credit or debit card information
- Income levels and financial statements
- Credit history and CRB information
- M-Pesa account and transaction details
Employment Information
- Employer details and terms of employment
- Salary information and payslips
- Employment duration and contract details
- For students: college/university and graduation date
Business Information
- Business registration and licensing details
- Business financial statements
- Proof of business income
- Agricultural activities and land documentation
Technical Information
- Device information (IP address, browser type, operating system)
- Usage data (pages visited, click patterns)
- Location data (with permission)
- Cookies and tracking technologies
- CCTV recordings for security purposes
Biometric Data
- Voice recognition data (IVR services)
- Fingerprint data (where applicable)
- Facial recognition for security purposes
Information About Minors
We may collect details of minors (name, date of birth, birth certificate number, relationship with applicant) only where parental or legal guardian consent has been given. We ensure that processing of such data protects and advances the rights and best interests of the child.
3. How We Use Your Information
We are committed to ensure that your personal information is processed in a way that is compatible with the specified, explicit, and legitimate purpose of collection.
Service Provision
- Process loan applications and provide financial services
- Verify your identity and assess creditworthiness
- Create and maintain your account records
- Communicate about your account and services
Compliance & Security
- Comply with Know Your Customer (KYC) requirements
- Prevent fraud, detection and investigation
- Anti-money laundering and sanctions screening
- Comply with legal and regulatory requirements
Business Operations
- Improve our services and customer experience
- Quality control, training and system operations
- Research and statistical analysis
- Business administration and management
Marketing & Communication
- Send marketing communications (with consent)
- Inform you about new products and services
- Customer surveys and feedback collection
- Event photography and promotional materials
4. Information Sharing and Disclosure
We share your personal information with:
Credit Reference Bureaus
For credit assessment, reporting, and maintaining credit profiles as required by Banking (Credit Reference Bureau) regulations, 2013.
Regulatory Authorities
Central Bank of Kenya, KRA, and other government agencies as required by law for compliance and regulatory purposes.
Service Providers
Third-party contractors, software developers, and service providers who assist in providing our services under confidentiality agreements.
Legal Requirements
Courts, arbitration tribunals, law enforcement agencies when required by law or legal process.
Business Partners
Safaricom for M-Pesa services, employers for checkoff arrangements, and other partners with your consent.
Professional Advisors
External lawyers, auditors, valuers, and other professional advisors acting as agents of EasyCash Capital.
Important Note
We do not sell your personal information to third parties for marketing purposes. All data sharing is done in accordance with applicable laws and regulations.
5. Cross-Border Data Transfers
From time to time we may need to transfer your personal information outside Kenya. This includes countries that do not have laws that provide specific protection to your personal data.
Where we send your information outside the country, we will ensure there is proof of adequate data protection safeguards in the recipient country or obtain your consent for the transfer of your personal information.
6. Data Security
We implement appropriate security measures to protect your information:
Technical Safeguards
- Encryption of sensitive data in transit and at rest
- Multi-factor authentication for account access
- Secure data centers and backup systems
- Regular security assessments and updates
Physical Security
- CCTV surveillance at strategic locations
- Controlled access to premises and data centers
- Visitor registration and device tracking
- Secure document storage and disposal
Administrative Controls
- Employee training on data protection
- Access controls and authorization procedures
- Confidentiality agreements with staff and vendors
- Incident response and breach notification procedures
7. Data Retention
We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including satisfying legal, regulatory, tax, accounting, or reporting requirements.
Retention Periods
- Customer Records: Minimum of 7 years after account closure as required by financial regulations
- Transaction Data: 7 years for audit and compliance purposes
- Marketing Data: Until you withdraw consent or opt-out
- CCTV Recordings: 30-90 days unless required for investigations
- Employee Records: As per employment law requirements
In some circumstances, we may anonymize your personal data for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
8. Your Rights
Under Kenyan data protection laws, you have the following rights:
Right to be Informed
Be informed that we are collecting personal data about you and how it will be used.
Right of Access
Request access to your personal information that we have on record and obtain a copy of your data.
Right to Rectification
Request correction of any personal data that is incorrect or incomplete.
Right to Erasure
Request deletion of your personal data where it is no longer necessary for the purposes collected.
Right to Restrict Processing
Request that we only process your personal data in limited circumstances, including with your consent.
Right to Data Portability
Receive a copy of your personal data in a structured, machine-readable format or request transfer to another controller.
Right to Object
Object to processing of your personal data and withdraw consent (subject to legitimate legal reasons).
9. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Enable website functionality and user authentication
- Analyze website usage and performance
- Provide personalized content and advertisements
- Combat fraud and enhance security
You can control cookie settings through your browser preferences. However, rejecting cookies may result in certain parts of our website not operating efficiently.
Types of Cookies We Use
- Essential Cookies: Required for website functionality
- Performance Cookies: Help us analyze website usage
- Functional Cookies: Remember your preferences
- Marketing Cookies: Deliver relevant advertisements
10. Legal Basis for Processing
EasyCash Capital processes your personal information based on the following legal grounds:
- Contract Performance: Processing necessary for performing contracts you are party to
- Legitimate Interest: For purposes of legitimate business interests pursued by EasyCash Capital within legal bounds
- Legal Obligation: Compliance with mandatory legal obligations
- Consent: With your explicit consent for specific purposes
- Public Interest: For tasks carried out in the public interest
- Vital Interests: To protect your vital interests or those of another person
11. Marketing Communications
We may use your personal information to contact you for market research or to provide information about services we think would interest you. You may be required to opt-in before receiving marketing messages from us.
We respect your right to control your personal data. You can opt-out of receiving marketing communications at any time by:
- Clicking the unsubscribe link in our emails
- Replying "STOP" to SMS messages
- Contacting our customer care team
- Updating your preferences on our website
12. Changes to This Privacy Statement
EasyCash Capital reserves the right to amend or modify this privacy statement from time to time. Your continued use of our products and services constitutes your agreement to be bound by any such amendments.
We will notify you of significant changes by:
- Posting the updated policy on our website
- Sending email notifications to registered users
- Displaying notices on our platform
- SMS notifications for material changes
You can access the most current version at www.easycash.co.ke
13. Contact Us
If you have questions about this Privacy Policy, want to exercise your rights, or have concerns about our data practices, please contact us:
