Privacy Notice
Our Privacy Notice and You
Of course, if you want more details, you can get access to the full Privacy notice at the bottom of this page.
Watch the Swahili and Luganda subbed privacy policy videos on our YouTube channel.
Aged under 18?
M-KOPA may collect Personal Data about children from a parent or guardian directly and only with that person’s explicit consent.
What data do we collect?
Personal Data you provide voluntarily to us when you make a purchase, login on our website(s), contact us, provide feedback, fill in a form, share content with us on our website(s) or publicly share information about M-KOPA on social media.
Personal Data that we create (e.g., when you make a purchase, and data collected automatically when you access one of our website (s) or app(s), e.g., IP address, device ID. You can see our Cookie Notice (published at https://m-kopa.com/privacy/) for more information on these technologies.
Data collected from other legitimate sources such as M-KOPA promotional partners, from public sources, data from your interaction with our advertising, or Personal Data that is part of your profile on a social network and that you have made available to us.
Why do we process your Personal Data?
We process your Personal Data to get to know you, complete your order(s), process your payments, answer your questions, share information about M-KOPA and our new products or services and improve our future offerings. We also process your Personal Data in order to help us comply with the law, to sell or transfer any relevant part of our business, to manage our systems and finances, to conduct investigations and to exercise legal rights. We combine your Personal Data from all sources so that we can understand you better to improve and personalize your experience when interacting with us.
Whenever we ask you to provide us with any Personal Data, you will be told why we need it and how it will be used. Your Personal Data will only be processed for the purposes set out in our Privacy Notice, or any other further purposes notified to you before the processing begins. If you choose not to provide your Personal Data when we ask you, this may limit the services we can offer you. For example, our “know your customer” requirements help us to better understand your credit profile (such as daily income/purchase potential etc) and protect you and M-KOPA from identity theft.
Who can access your Personal Data and why?
We limit the disclosure of your Personal Data to others, however we do need to disclose your Personal Data in certain instances and mainly to the following recipients:
– Companies within the M-KOPA Group, where required for our legitimate interests or with your consent;
– Third parties engaged by us to provide services such as administering customer care communications (such as WhatsApp Business), payment collections, M-KOPA websites, applications and services (e.g. features, programs, and promotions) available to you, subject to appropriate protections;
– Credit reporting agencies/debt collectors, where permitted by the law and if we need to verify your creditworthiness or collect outstanding monies; and
– Relevant public agencies and authorities, if required to do so by law or a legitimate business interest.
Transfer of your personal data
We may process your Personal Data outside of the country in which you are based for the purposes set out in this notice. When we transfer your Personal Data to other countries, we take reasonable steps to ensure that applicable laws are being followed.
What are your rights over your Personal Data?
When you share Personal Data with us, you have a right to (i) request access (i.e. to ask us what data we have about you, and obtain a copy), (ii) as for changes to be made or (iii) to have the data deleted. This can be done by contacting us.
– You can also opt-out of marketing communications by (i) clicking on the “unsubscribe” link provided in the promotional material you might receive; (ii) changing preferences via your account or by our Customer Care team by emailing us at customercare@m-kopa.com or calling us in your respective country (Click for contact information).
– For cookies and similar technologies, you can manage your preferences through our Cookie Consent Banner. Find more information in our Cookie Notice.You can make a complaint:
– If you are concerned about a possible interference with your privacy or misuse of your Personal Data by us you can contact us to make a complaint. We hope we can satisfy queries you may have about the way we process your Personal Data. However, if you have unresolved concerns you also have the right to complain to competent data protection authorities.
Data security and retention
We use a variety of measures to keep your Personal Data confidential and secure, including restricting access to your Personal Data on a need-to-know basis and following appropriate security standards to protect your data.
We take every reasonable step to ensure that your Personal Data is only processed for the minimum period necessary in connection with: (i) the purposes set out in this Privacy Notice (such as the duration of your repayment period); (ii) any additional purposes notified to you at or before the time of collection of the relevant Personal Data or commencement of the relevant processing; or (iii) as required or permitted by applicable law; and thereafter, for the duration of any applicable limitation period. In short, once your Personal Data is no longer required, we will destroy or delete it in a secure manner.
Updates to this Privacy Notice
As business and technology evolves, we might need to change this Privacy Notice. We encourage you to regularly review this Privacy Notice to make sure you are up-to-date with how M-KOPA is using your Personal Data.
Contact us
M-KOPA Holdings Limited acts as the “controller” for your Personal Data that are processed under, or in connection with, this Privacy Notice. If you have any questions or comments regarding this Privacy Notice or M-KOPA’s Personal Data collection and processing practices, please contact us atdpo@m-kopa.com or calling us in your respective country.
Introduction
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about You may be linked to the information stored in and obtained from Cookies. For further information on how We use, store and keep your personal data secure, see our Privacy Policy.
We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the Cookies We use.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Cookies Policy:
– Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Cookies Policy) refers to M-kopa Kenya.
– Cookies means small files that are placed on Your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.
– Website refers to M-KOPA, accessible from m-kopa.com
– You means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.
The use of the Cookies
Type of Cookies We Use
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.
We use both session and persistent Cookies for the purposes set out below:
-Necessary / Essential Cookies
Type: Session Cookies Administered by: Us (M-KOPA)
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
-Functionality Cookies
Type: Persistent Cookies Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
Your Choices Regarding Cookies
If You prefer to avoid the use of Cookies on the Website, first You must disable the use of Cookies in your browser and then delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time.
If You do not accept Our Cookies, You may experience some inconvenience in your use of the Website and some features may not function properly.
If You’d like to delete Cookies or instruct your web browser to delete or refuse Cookies, please visit the help pages of your web browser.
-For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
-For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
-For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored.
-For the Safari web browser, please visit this page from Apple: https://support.apple.com/guide/safari/manage-cookies-and-website-data- sfri11471/mac
-For any other web browser, please visit your web browser’s official web pages.
More Information about Cookies
You can learn more about cookies: Cookies: What Do They Do?.
Contact Us
If you have any questions about this Cookies Policy, You can contact us by visiting this page on our website: https://m-kopa.com/contact/
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M-KOPA, the M-KOPA logo and all other M-KOPA marks contained herein of are trademarks of M-KOPA Holdings Limited and affiliated companies.
All other marks contained herein are the property of their respective owners.