Privacy Policy
Radi Credit Limited is committed to protecting the privacy and personal data of our users. This policy explains how we collect, use, store, and disclose personal data when you use our services.
Who We Are
Radi Credit Limited and this Policy.
Data We Collect
Personal data, usage data, and app permissions.
Your Rights
How to access, correct, delete, or object to processing.
Introduction
1.1 Who We Are
Radi Credit Limited (referred to as "Radi Credit", "Company", "We", "Us", or "Our") is a licensed digital credit provider in Kenya, offering financial services through the Radi Credit mobile application.
1.2 About this Policy
This Privacy Policy explains how we collect, use, store, and disclose your personal data when you use our services. It complies with the Data Protection Act, 2019 (the "Act") and relevant regulations, including the Data Protection (General) Regulations, 2021.
This Policy outlines your rights as a data subject and the safeguards in place. If you do not agree with these terms, please do not use our Service.
By accessing or using our Service, downloading the App, or providing your personal data to us, you give your express consent to the collection, use, storage, and disclosure of your personal data as described in this Privacy Policy.
You may withdraw your consent at any time by contacting us, subject to any legal or contractual obligations.
Interpretation & Definitions
2.1 Interpretation
Words beginning with capital letters have the meanings defined below. These definitions apply whether the terms are in singular or plural form.
2.2 Definitions
Collecting & Using Personal Data
3.1 Personal Data
We may collect personally identifiable information, including but not limited to:
- Email address
- First name and last name
- Phone number
- Address, County, Postal code, City
- Usage Data
- National ID number
- Photograph
- Date of Birth
- Image of a government-issued identity document (e.g., National ID or Passport)
3.2 Usage Data
Collected automatically, including your Device's IP address, browser type/version, pages visited, visit time/date, unique device identifiers, and diagnostic data.
3.3 Information from Third-Party Services
If you link a third-party service (e.g., social media), we may collect associated Personal Data with your consent.
3.4 Information Collected via the Application
With your explicit consent, we may request access to your camera for identity verification and contacts for guarantor/next-of-kin details. We do not collect, download, store, or access your full contact list, and we will never contact anyone from it without your explicit permission.
3.4.1 Device Permissions
Permissions require your explicit grant and can be revoked anytime via device settings.
3.4.2 Location Information
With your permission, we collect precise or approximate location (via GPS, Wi-Fi, or network) to verify identity, prevent fraud, and meet regulatory requirements.
3.5 Tracking Technologies and Cookies
We use Cookies and similar technologies (e.g., session/persistent Cookies, necessary Cookies, functionality Cookies) to track activity and improve the Service.
Cookies help us:
- Enable core site functionality and security
- Remember preferences and improve user experience
- Analyze site usage to improve performance and navigation
- Support marketing measurement where applicable
You can manage cookies through your browser settings. You can also choose to accept or reject cookies through the cookie notice presented on our site. Your preference may be stored to avoid showing the notice repeatedly.
Use of Personal Data
How we use Personal Data
- Provide and maintain the Service, including monitoring usage
- Manage your Account and registration
- Perform contracts
- Contact you via email, calls, SMS, or notifications
- Send news, offers, and information (with consent where required)
- Handle requests
- Support business transfers (e.g., mergers)
- Conduct data analysis and identify trends
How we share Personal Data
- With Service Providers for operations
- In business transfers
- With Affiliates
- With partners (e.g., for credit assessment)
- With your consent
- As required by law
Retention
We retain Personal Data only as long as necessary for the purposes outlined, or to comply with legal obligations, resolve disputes, or enforce agreements. You may request deletion, subject to these exceptions.
Cross-Border Transfer
Data may be processed in Kenya or other locations. We ensure adequate safeguards (e.g., appropriate contractual measures) for any cross-border transfers, in line with the Act.
Disclosure
7.1 Business Transactions
In mergers, acquisitions, or sales, Personal Data may transfer with prior notice.
7.2 Law Enforcement
We may disclose data if required by law or valid public authority requests.
7.3 Other Legal Requirements
Disclosure may occur in good faith to:
- Comply with legal obligations
- Protect our rights/property
- Prevent wrongdoing
- Ensure user/public safety
- Avoid liability
Security
We implement appropriate technical, organizational, and physical measures (e.g., encryption, firewalls, access controls) to protect your data. Authorized personnel only access it. No internet transmission or storage method is fully secure.
Children's Privacy
Our Service is not for persons under 18. We verify age where possible. If we learn a child under 18 provided data without parental/guardian consent, we delete it. Parents/guardians should contact us if aware.
Links to Other Websites
Our Service may link to third-party sites. Review their privacy policies—we have no control or responsibility for them.
Your Rights
Under the Data Protection Act, 2019, you have rights including:
- To be informed about data use
- Access to your Personal Data
- Object to processing (all or part)
- Correction of inaccurate/false data
- Deletion of false/misleading data
- Restriction of processing
- Data portability
- Withdraw consent (where processing relies on consent)
- Not to be subject to solely automated decisions with significant effects
To exercise these rights, contact us (Section 13). We aim to respond within reasonable timeframes (typically one month). You may lodge a complaint with the Office of the Data Protection Commissioner (ODPC) via https://www.odpc.go.ke/ or complaint@odpc.go.ke.
Changes to this Policy
We may update this Policy. Changes post on this page, with notice via email or in-app if material. Continued use after changes indicates acceptance. Check the "Last updated" date.