Musoni Microfinance

Privacy Policy for the opening and use of a Musoni Account

This Privacy Policy (together with the Terms of Use provided at applies in the use of: (i) the mobile loan application provided by Musoni Microfinance Limited (the “Musoni App”) on its site or on the Google Play Store (the “App Store”) once the customer (the “End-User” or “you”) has downloaded or streamed a copy of the Musoni App onto a mobile device (the “Equipment”); and (ii) any other services that the End-User may access through the Musoni App (the “Services”) or any other site including those belonging to third-parties (the “Third-Party Sites”).

NOTE: This Policy governs the privacy of the End-User. Please read the following terms carefully to understand Musoni’s views and practices regarding your personal information and data. By downloading the Musoni App, you confirm that you have read, understood and accepted the terms of this Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.

Musoni takes a proactive approach to user privacy and to ensure the necessary steps are taken to protect the privacy of the End-User.

What personal information does Musoni collect from you?

The End-User gives information when filling the prerequisite forms when downloading the Musoni App from the App Store or from the Musoni website. Musoni also gets personal information through corresponding with the End-User. The App Store may also provide Musoni with information acquired from the End-User when undertaking various activities on the App Store, such as subscribing to any app or reporting issues. The information may include the End-User’s name, address, email address and phone number, the Equipment's phone number, SIM card details, age, username, password, financial and credit information, personal description and photograph.

Musoni may collect information about you each time you visit its sites. This includes information on the Equipment, information stored in the Equipment, data from use of Third-Party Sites and use of any Musoni app or the Services.

Musoni may use GPS technology or other location services to determine your current location. You can withdraw your consent to Musoni’s collection, processing or use of this information at any time by logging out and uninstalling the Musoni App from your Equipment.

Musoni may receive information from third party sources, given that the nature of its business requires that it works with a number of third parties such as credit reference agencies and mobile network providers and it may receive information about you from them. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation may be sent to Musoni.

How does Musoni use the information about you?

Musoni shall use the information collected about you for the purpose of determining whether or not to provide a loan to you, the amount and the terms and conditions. Musoni shall not disclose information that can be identifiable to you unless in compliance with the applicable laws.

When may Musoni disclose your information?

Musoni may disclose some or all of the personal information it collects from you when you download or use the Musoni App to credit reference bureaus. Musoni may disclose your personal information to any of its subsidiaries, affiliates, its holding company and the subsidiaries of its holding company.

Musoni may also disclose your personal information to third parties in a sale or purchase of business or assets; an acquisition of its assets; where it is required under any applicable law to disclose the personal information; in order to enforce its Terms and Conditions and other agreements; to investigate potential breach; to report defaulters to any credit bureau; or for the purpose of publishing statistics relating to the use of the Musoni App. This information will as much as practicable be aggregated and anonymous.

Where does Musoni store your personal information?

The data that we collect from you may be transferred to, and stored at, a destination outside Kenya. It may also be processed by staff operating outside Kenya who work for us or for one of our suppliers. These staff members may be engaged in the fulfillment of your requests. By submitting your Personal Data, you agree to this transfer, storing or processing of data. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. We may also disclose your data to anyone we consider necessary in order to provide you with services in connection with an account.

Where we have given you (or where you have chosen) a password or PIN that enables you to access certain parts of Our Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure.

Does Musoni use tracking and cookies?

To provide better services to you and improve the Musoni App and the Service sites, Musoni may use mobile tracking technologies and/or website cookies to distinguish you from other users of the Musoni App, the App Store, or Third-Party Sites.

How will Musoni protect your information?

Musoni will put in place the following security procedures and technical and organisational measures to safeguard your personal information. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

Musoni will use all reasonable efforts to safeguard your personal information. However, you should be aware that the use of the internet is not entirely secure and for this reason Musoni cannot guarantee the security or integrity of any personal information which is transferred from you or to you via the internet.

How does Musoni use your Private Information?

Musoni will use your data to compile statistics relating to its user base or loan portfolio and may disclose such information to third parties for such purposes in an anonymous basis. Musoni will inform you prior to using your information for marketing purposes. Should you wish to prevent the use by Musoni of such information, you may write to Musoni within7 days of receiving the notification indicating that you do not wish to disclose such information.

You can contact us at any time at

Changes to Privacy Policy

Musoni may make changes to this Policy from time to time. Such changes will be notified to you the next time you start the Musoni App or log onto one of the Services sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the Musoni App or the Services.

Your Consent

By submitting your personal information you consent to the use of that information as set out in this Policy. By continuing to use the Musoni App or any Services after the posting of any changes to the Policy, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.

How to contact Musoni

Musoni welcomes your views about this Privacy Policy. If you would like to contact us with any queries, comments or requests please send an email to or send a letter to C.E.O Musoni Microfinance Ltd Cape Office Park, P.O. Box 25351 – 00100, Nairobi, Kenya

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© 2018 Musoni Microfinance Ltd.