Privacy Policy

Last Updated: May 8, 2026

Anfal SACCO ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

1. Information We Collect

We collect information that identifies you as a member of the SACCO, including:

• Personal Identity: Name, ID/Passport number, KRA PIN, and date of birth.
• Contact Information: Phone number, email address, and postal address.
• Financial Data: Savings history, loan applications, repayment records, and bank/M-Pesa statements.
• Employment Details: Employer name, job title, and income details for loan appraisals.

2. How We Use Your Information

We use the collected data to:

• ​​Process membership applications and maintain records.
• Appraise loan applications and determine creditworthiness.
• Facilitate deposits, withdrawals, and loan disbursements.
• Comply with legal and regulatory requirements (e.g., Anti-Money Laundering).

3. Data Sharing and Disclosure

We may share your information with third parties only in the following circumstances:

• Payment Gateways: To facilitate M-Pesa or Bank transfers.

4. Data Security

We implement industry-standard security measures, including encryption and secure servers, to protect your data from unauthorized access or disclosure.

5. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request corrections to inaccurate information.
• Request account deletion (subject to outstanding loan obligations).

6. Contact Us

If you have questions about this policy, contact us at:

Email: info@anfalsacco.co.ke

Address: Parklands, Kenya