Privacy Policy

Welcome to https://ranalocredit.com (the ”Site”).We understand that privacy online is important to users of our Site, especially when conducting business.This statement governs our privacy policies with respect to those users of the Site (”Visitors”) who visit without transacting business and Visitors who register to transact business on the Site and make use of the various services offered by Ranalo Credit (collectively, ”Services”) (”Authorized Customers”).

”Personally Identifiable Information”

refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, national ID or passport number, M-PESA number and financial information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.

What Personally Identifiable Information is collected?

We may collect basic user profile information from all of our Visitors. We collect the following additional information from our Authorized Customers: the names, addresses, phone numbers and email addresses of Authorized Customers, the nature and size of the business, and the nature and size of the advertising inventory that the Authorized Customer intends to purchase or sell.

What organizations are collecting the information?

In addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect this information from our Visitors and Authorized Customers. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them from Visitors and Authorized Customers. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information given to them.

How does the Site use Personally Identifiable Information?

We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfill buying and selling requests on the Site. We may email Visitors and Authorized Customers about research or purchase and selling opportunities on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Authorized Customers in response to specific inquiries, or to provide requested information.

With whom may the information may be shared?

Personally Identifiable Information about Authorized Customers may be shared with other Authorized Customers who wish to evaluate potential transactions with other Authorized Customers. We may share aggregated information about our Visitors, including the demographics of our Visitors and Authorized Customers, with our affiliated agencies and third party vendors. We also offer the opportunity to ”opt out” of receiving information or being contacted by us or by any agency acting on our behalf.

How is Personally Identifiable Information stored?

Personally Identifiable Information collected by Ranalo Credit is securely stored and is not accessible to third parties or employees of Ranalo Credit except for use as indicated above.

What choices are available to Visitors regarding collection, use and distribution of the information?

Visitors and Authorized Customers may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by contacting us at P.O.Box 43156

Are Cookies Used on the Site?

Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Visitors and the services they select. We also use Cookies for security purposes to protect our Authorized Customers. For example, if an Authorized Customer is logged on and the site is unused for more than 10 minutes, we will automatically log the Authorized Customer off.

How does Ranalo Credit use login information?

Ranalo Credit uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information.

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Authorized Customers on the Site?

Ranalo Credit has entered into and will continue to enter into partnerships and other affiliations with a number of vendors.Such vendors may have access to certain Personally Identifiable Information on a need to know basis for evaluating Authorized Customers for service eligibility. Our privacy policy does not cover their collection or use of this information. Disclosure of Personally Identifiable Information to comply with law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Visitors and Authorized Customers.

How does the Site keep Personally Identifiable Information secure?

All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or national ID numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Authorized Customers for any such occurrences.

How can Visitors correct any inaccuracies in Personally Identifiable Information?

Visitors and Authorized Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at info@ranalocredit.com

Can a Visitor delete or deactivate Personally Identifiable Information collected by the Site?

We provide Visitors and Authorized Customers with a mechanism to delete/deactivate Personally Identifiable Information from the Site’s database by contacting . However, because of backups and records of deletions, it may be impossible to delete a Visitor’s entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.

What happens if the Privacy Policy Changes?

We will let our Visitors and Authorized Customers know about changes to our privacy policy by posting such changes on the Site. However, if we are changing our privacy policy in a manner that might cause disclosure of Personally Identifiable Information that a Visitor or Authorized Customer has previously requested not be disclosed, we will contact such Visitor or Authorized Customer to allow such Visitor or Authorized Customer to prevent such disclosure.

Links:

https://ranalocredit.com contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.

Your data and the Kenya Data Protection Act, 2019

Ranalo Credit processes personal data in line with the Data Protection Act, 2019 (No. 24 of 2019) and the Data Protection (General) Regulations, 2021. This section explains, in plain terms, what we collect when you apply for a device, why, and the rights you have.

Who we are

Ranalo Credit is the data controller for the personal data collected through ranalocredit.com, our application form and our customer service channels. You can contact us about your data at info@ranalocredit.com or on WhatsApp/phone +254 772 007 007.

What we collect

  • Identity details: your name, national ID or passport number, date of birth, gender (optional) and photos of the front and back of your ID.
  • A photo of you, to confirm that the person applying is the ID holder.
  • Contact details: your phone number, M-PESA number, email address and home address.
  • Financial and household information: employment status, occupation or business, employer, monthly income, how often you are paid, number of dependants and marital status.
  • Next of kin details if you choose to provide them, including photos of their ID.
  • Contract and device information: the device you are financing, its IMEI/device ID, your deposit and payment history, and M-PESA payment references.
  • Website information: basic technical data such as your browser and pages visited, collected through cookies (see our Cookie Policy).

Some of this information, such as marital status and family details, is treated as sensitive personal data under the Act. We only use it for the purposes below and protect it with additional care.

Why we use it and our legal basis

  • To assess your application, including affordability, credit and fraud checks. Legal basis: steps taken at your request before entering into a contract, and your consent.
  • To provide and manage your contract, including delivery, collecting payments, locking and unlocking your device as set out in your contract, and customer support. Legal basis: performance of a contract.
  • To prevent fraud and meet our legal and regulatory obligations. Legal basis: legal obligation and our legitimate interests.
  • To tell you about our products and offers. Legal basis: your consent. You can opt out at any time.

Automated decisions

We may use automated tools to help assess applications. You have the right not to be subject to a decision based solely on automated processing that significantly affects you. If you disagree with a decision on your application, contact us and a member of our team will review it.

Who we share it with

We do not sell your personal data. We share it only where needed to provide our service or where the law requires, for example with:

  • payment providers, including Safaricom M-PESA, to process your payments;
  • delivery partners, to deliver your device;
  • identity verification, fraud prevention and, where required or permitted by law, licensed credit reference bureaus;
  • technology providers who host our website and systems, under contracts that require them to protect your data;
  • government or regulatory authorities, where we are legally required to.

If your data is transferred outside Kenya (for example, to a cloud hosting provider), we do so only where the Act allows, such as where appropriate safeguards are in place.

How long we keep it

We keep your data only for as long as necessary for the purposes above: for the length of your contract and afterwards for as long as we need to meet legal, accounting and regulatory requirements or to handle disputes. When it is no longer needed, we securely delete or anonymise it.

How we protect it

We use technical and organisational measures to protect your data, including secure (HTTPS) connections, restricted staff access and secure storage. If a personal data breach occurs, we will notify the Office of the Data Protection Commissioner within 72 hours of becoming aware of it where required, and will inform you without undue delay if the breach is likely to put your rights at high risk.

Your rights

Under the Data Protection Act, 2019 you have the right to:

  • be informed about how your personal data is used;
  • access the personal data we hold about you;
  • ask us to correct data that is false, inaccurate or misleading;
  • ask us to delete data that is false, misleading or no longer needed, unless we are required to keep it by law;
  • object to or restrict our use of your data on legitimate grounds;
  • object to the use of your data for direct marketing;
  • not be subject to a decision based solely on automated processing that significantly affects you;
  • receive your data in a structured, commonly used and machine-readable format (data portability);
  • withdraw your consent at any time, where we rely on consent. This does not affect processing already carried out.

To use any of these rights, email info@ranalocredit.com or WhatsApp +254 772 007 007. We may need to confirm your identity before acting on your request, and we will respond within the time limits set by the Regulations.

Complaints

If you are unhappy with how we have handled your data, please contact us first so we can try to put it right. You also have the right to lodge a complaint with the Office of the Data Protection Commissioner (ODPC): www.odpc.go.ke.

Last updated: 30 October 2026.