1. Information We Collect

• Identity details you provide (name, national ID, phone number)
• Account and transaction activity (purchases, repayments, credit limit)
• Device and usage information needed to operate the service securely

2. How We Use Your Information

• To verify your identity and assess your eligibility for credit
• To process purchases, settle merchants, and manage repayments
• To prevent fraud and keep your account secure
• To comply with legal and regulatory obligations

3. Sharing

We share information only as needed to provide the service (e.g. with the M-Pesa payment gateway to settle merchants), to comply with the law, or to protect against fraud. We do not sell your personal data.

4. Data Security

We use technical and organisational measures to protect your information. No system is completely secure, so we also rely on you to keep your PIN and account confidential.

5. Retention

We retain your information for as long as your account is active and as required by applicable law and financial-record obligations.

6. Your Rights

You may request access to, correction of, or deletion of your personal information, subject to legal limits. Contact Shop na Pesi support to make a request.

7. Changes & Contact

We may update this policy from time to time. For privacy questions, contact Shop na Pesi support. See also our Terms of Service.