Last updated: September 17, 2026
KKPesa Lite is a digital credit service operated by Payablu Credit Limited ("we," "us," or "our") in Kenya. Payablu Credit Limited is licensed by the Central Bank of Kenya as a Digital Credit Provider under Licence No. CBK/DCP/2024/56. We are responsible for the personal information processed through KKPesa Lite. This Privacy Policy explains how we collect, use, share and protect that information in accordance with applicable Kenyan data protection law.
A. Personal Information You Provide:
When you register and use KKPesa Lite, we collect information you provide to assess loan eligibility and meet legal obligations:
We collect this information to:
B. Data from External Sources:
Where permitted by law, we may obtain or share information with credit reference bureaus, identity verification providers and service providers for credit assessment, account administration, fraud prevention and legal compliance. We seek consent when it is required by law.
We use HTTPS to protect information during transmission and access controls to limit access to personal information. We review our security measures as the service changes.
You may provide up to five emergency contacts, including names, phone numbers, and relationships. This data helps validate your identity and assists in credit risk assessments. Only contacts you select are shared; we do not access your full contact list. We protect this information using the security measures described above.
KKPesa Lite may request permission to send notifications, including payment reminders and account updates. You can disable notifications in your device settings.
The KKPesa Lite iOS/iPadOS app does not access or collect a list of your installed apps.
We may use location data (GPS, IP address, area code) to verify activity and protect your account from unauthorized access. Location tracking is limited to app use and never runs in the background without consent.
Technical information such as IP address and network status may be used to operate the service and help prevent unauthorized access. Platform-specific permissions are requested through the app when applicable.
All data collected serves lawful and essential purposes, such as:
Your privacy is protected through:
We retain personal information only for as long as needed to provide the service, manage accounts and loans, resolve disputes, prevent fraud, and meet legal and regulatory obligations. Retention periods vary according to the type of information and the applicable requirement.
If personal information is processed outside Kenya, we use safeguards required by applicable Kenyan data protection law.
Under Kenya's applicable data protection frameworks, you have the right to:
KKPesa Lite is intended only for adults aged 18 or older. We do not knowingly offer loans to or collect personal information from children.
This policy describes how Payablu Credit Limited handles personal information in connection with KKPesa Lite. See our Loan Agreement and Credit Terms for the terms of our lending service.
We may revise this Privacy Policy from time to time. If substantial changes occur, we will notify you via email or in-app message. Continued use of the app implies acceptance of the updated terms.
To request account deletion or data erasure, contact dev@payablultd.com. We will delete personal information from active systems where permitted, subject to applicable legal or regulatory retention requirements.
If you have any questions about your privacy or wish to make a data-related request, please contact:
Payablu Credit Limited - Privacy Contact
Office: 1st Floor, NBK Building, Harambee Avenue, Nairobi, Kenya
Postal: P.O. Box 610 - 00518, Nairobi, Kenya
Email: dev@payablultd.com