Privacy Policy
Effective Date: 1st January 2025
Last Updated: 1st January 2025
BrightPath Credit Limited (“we,” “our,” or “us”) is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, share, and safeguard your personal data when you use our website and Services.
By accessing our Services, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of personal information:
Personal Identification Information: Full name, national ID/passport number, date of birth, gender, photo.
Contact Information: Phone number, email address, postal/physical address.
Financial Information: Bank account details, employment/business income, credit history, loan records, repayment history.
Device & Technical Information: IP address, browser type, operating system, device identifiers, usage data.
Other Information: References, guarantor details, and any information provided during loan applications.
2. How We Use Your Information
We use your information to:
Process and evaluate loan applications.
Verify your identity and conduct credit checks.
Communicate with you about your account, loan status, and repayment schedules.
Comply with legal, regulatory, and reporting obligations.
Improve our Services and customer experience.
Prevent fraud, unauthorized access, or illegal activity.
3. Sharing of Information
We may share your personal data with:
Credit Reference Bureaus (CRBs): For credit history reporting and loan eligibility checks.
Regulators & Government Authorities: As required by law.
Service Providers & Partners: IT support, payment processors, debt recovery agents, or other third parties assisting in service delivery.
Legal Entities: If required to enforce agreements, protect rights, or in case of merger/acquisition.
We do not sell your personal information to third parties.
4. Data Retention
We retain personal data only as long as necessary for the purposes outlined in this policy, including compliance with legal, regulatory, and accounting obligations.
5. Data Security
We use reasonable technical and organizational measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no system is 100% secure, and we cannot guarantee absolute security.
6. Your Rights
Under the Kenya Data Protection Act, 2019, you have the right to:
Access your personal data.
Request correction of inaccurate or incomplete data.
Request deletion of personal data, subject to legal obligations.
Withdraw consent to processing (where applicable).
Object to processing for direct marketing purposes.
Requests can be submitted using the contact details below.
7. Cookies & Tracking Technologies
Our website may use cookies and similar technologies to improve user experience, analyze traffic, and enhance security. You may disable cookies in your browser settings, but this may affect functionality.
8. Third-Party Links
Our website may contain links to external sites not operated by us. We are not responsible for the privacy practices or content of those sites.
9. Children’s Privacy
Our Services are not directed to individuals under 18. We do not knowingly collect personal information from minors.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised “Last Updated” date.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
BrightPath Credit Limited
Email: info@brightpathcredit.co.ke
Phone: 0737972272
Address: P.O. Box 1805 – 6100 Embu