Privacy Policy

Meek Africa ("we", "us", "our") is a loan management platform operated in Nairobi, Kenya. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in connection with our website (meekfund.ink) and our loan management services, in accordance with the Kenya Data Protection Act, 2019.

For privacy enquiries, contact us at: info@meekfund.ink

We collect personal information that you provide directly to us and information generated through your use of our services:

Identity data: Full name, national ID or passport number, date of birth, photograph.

Contact data: Phone number, email address, physical address.

Financial data: Bank account details, mobile money numbers, income information, credit history, loan application details, repayment records.

Technical data: IP address, browser type, device identifiers, pages visited, and timestamps when you use our website or portal.

Communications: Messages and enquiries you send us, including via the contact form.

We use your personal information to:

- Process loan applications and manage your loan account
- Verify your identity and conduct KYC checks as required by law
- Assess creditworthiness and manage risk
- Disburse loan funds and collect repayments via mobile money or bank transfer
- Send SMS and email notifications about your account, repayments, and promotions
- Comply with legal and regulatory obligations (including Anti-Money Laundering requirements)
- Improve our products and services
- Respond to your enquiries and provide customer support

We process your personal data on the following legal bases:

- Contract: Processing is necessary to perform the loan agreement between you and us.
- Legal obligation: Processing is required to comply with applicable laws and regulations.
- Legitimate interests: Processing is in our legitimate interests (e.g., fraud prevention, system security) and does not override your rights.
- Consent: Where we rely on consent, you may withdraw it at any time by contacting us.

We do not sell your personal data. We may share it with:

- Service providers: Third parties who help us operate our platform (cloud hosting, SMS providers, payment processors) under strict data processing agreements.
- Credit reference bureaus: As required for credit assessment and reporting.
- Regulators and law enforcement: Where required by law or court order.
- Fraud prevention agencies: To detect and prevent fraud and financial crime.

We require all third parties to respect the security of your personal data and treat it in accordance with the law.

We retain personal data for as long as necessary to fulfil the purposes described in this policy, including to comply with legal, accounting, and regulatory requirements. Loan records are typically retained for a minimum of 7 years after the loan is closed, as required by Kenyan financial regulation.

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or alteration. These include:

- Encrypted data transmission (TLS 1.3)
- Access controls and authentication (OTP and two-factor authentication for staff)
- Audit logging of all system actions
- Regular security reviews

No method of transmission over the internet is 100% secure. If you suspect a security incident affecting your account, contact us immediately.

Under the Kenya Data Protection Act 2019, you have the right to:

- Access the personal data we hold about you
- Correct inaccurate or incomplete data
- Delete your data (subject to legal retention requirements)
- Object to processing based on legitimate interests
- Withdraw consent where processing is based on consent
- Lodge a complaint with the Office of the Data Protection Commissioner (ODPC)

To exercise any of these rights, contact us at info@meekfund.ink. We will respond within 30 days.

Our website uses essential cookies to maintain your session and provide core functionality. We do not use advertising or tracking cookies. You can control cookies through your browser settings, but disabling essential cookies may affect the functionality of the portal.

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on our website or sending a notification via email or SMS. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

For any questions, concerns, or requests relating to this Privacy Policy:

Meek Africa
Nairobi, Kenya
Email: info@meekfund.ink
Phone: +254 108 873 531