Privacy Policy

1. Information We Collect

We collect the following types of information:

• Personal Identification: Name, date of birth, ID number, photos
• Contact Information: Phone numbers, email, physical address
• Financial Information: Bank details, credit history, income
• Device Information: IP address, browser type, operating system
• Usage Data: How you interact with our services

2. How We Use Your Information

Your information is used for:

• Processing loan applications and approvals
• Identity verification and fraud prevention
• Credit assessment and risk management
• Customer service and communication
• Legal compliance and regulatory requirements
• Service improvement and analytics

3. Information Sharing

We may share your data with:

• Credit reference bureaus
• Regulatory authorities when required by law
• Payment processors and financial institutions
• Third-party service providers under confidentiality agreements
• Legal entities during business transfers

We never sell your personal information to third parties.

4. Data Security

We implement robust security measures:

• SSL encryption for all data transmissions
• Secure storage with access controls
• Regular security audits
• Employee confidentiality agreements

While we take reasonable precautions, no system is 100% secure.

5. Cookies & Tracking

We use cookies to:

• Authenticate users and maintain sessions
• Remember preferences
• Analyze site traffic
• Improve user experience

You can control cookies through your browser settings.

6. Data Retention

We retain your information:

• For as long as your account is active
• As required by financial regulations (minimum 7 years)
• Until disputes are resolved
• As needed for legitimate business purposes

7. Your Rights

You have the right to:

• Access your personal data
• Request correction of inaccurate information
• Object to certain processing activities
• Request deletion where applicable by law
• Withdraw consent (where processing is consent-based)

Requests can be made to privacy@mulachapventures.com

8. International Transfers

Your data may be:

• Processed outside Kenya where our service providers operate
• Subject to foreign laws in these jurisdictions
• Protected through standard contractual clauses where required

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect data from children.

10. Policy Changes

We may update this policy periodically. Material changes will be communicated through:

• Website notices
• Email notifications
• SMS alerts where appropriate

11. Contact Us