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Privacy Policy

  1. Introduction

Let’s Grow Together Credit Limited (“LGT Credit Ltd,” “we,” “us,” or “our”) is a credit-only microfinance institution incorporated in 2019 under Kenya’s Companies Act. We respect your privacy and protect your personal information. This Privacy Policy details how we collect, handle, use, and store your data. Our operations strictly adhere to the Kenya Data Protection Act of 2019.

  1. Information We Collect

We gather specific data necessary to evaluate your credit eligibility, process loans, and manage your account. This includes:

  • Identity Details: Your full legal name, clear passport-style photographs, and valid Kenyan National ID number.
  • Contact Information: Your mobile phone number linked to your active, registered Safaricom M-Pesa line.
  • Business Metrics: Your fixed physical location, operational age, inventory turnover speed, and asset catalogs.
  • Reference Networks: Phone contacts for 3 next of kin and 1 physical loan witness.
  1. How We Use Your Data

We process your personal information strictly for clear financial and legal purposes:

  • Credit Appraisals: Verifying identity data, assessing business cash flow, and reviewing mapped assets.
  • Disbursal and Collection: Releasing funds in 1 hour and administering daily repayment records.
  • Fraud Prevention: Preventing identity theft, fraudulent tracking, and unauthorized duplicate profiles.
  • Arrears Management: Contacting submitted next-of-kin references if you become entirely unreachable.
  • Asset Liquidation: Executing signed asset-seizure authorization forms to recover outstanding debts in default events.
  1. Data Storage and Security Measures
  • Strict Confidentially: All collected information remains private and accessible only to authorized unit team members.
  • Encrypted Safeguards: We deploy secure database platforms and lockable physical files to halt data breaches.
  • Retention Eras: We retain your records only for the duration of your active loan cycles or as legally mandated by Kenyan financial laws.
  1. Sharing and Disclosing Your Information

LGT Credit Ltd does not lease, sell, or trade your personal data to external advertisers. Your details are shared exclusively with:

  • Internal Units: Loan processing officers, internal branch managers, and field credit auditors.
  • Recovery Partners: Licensed auctioneers or field recovery agents tasked with executing signed asset recovery actions.
  • Judicial Bodies: Law enforcement or regulatory authorities when demanded by a valid court order under Kenyan law.
  1. Your Legal Data Rights

Under the Kenya Data Protection Act, you possess clear, actionable rights regarding your personal records:

  • Right of Access: You can request a clear copy of all personal and business data we hold in your file.
  • Right to Correction: You can demand immediate updates to incorrect, outdated, or incomplete personal details.
  • Right to Object: You can challenge the processing of data that falls outside your explicit loan agreement terms.
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