Privacy Policy

Protecting your privacy and personal information

1. Introduction

Enerjoy Financing Inc. ("Enerjoy," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our financing services. By using our services, you consent to the practices described in this policy, in accordance with the Kenyan Data Protection Act, 2019.

2. Information We Collect

We collect various types of information to provide and improve our services, including:

Personal Information:

Name, ID number, contact details (address, phone number, email).
Financial information (bank statements, payslips, M-Pesa statements).
Employment details.
Proof of residence or business location.
Business registration documents and proof of ownership.

Application Information:

Loan application details.
Contractor quotes.
Information provided during the application process.

Usage Information:

Website usage data (IP address, browser type, pages visited).
Communication records (emails, phone calls).

3. How We Use Your Information

We use your information for the following purposes:

Loan Processing:

To evaluate your loan application and determine eligibility.
To process loan disbursements.
To manage loan repayments.

Customer Service:

To respond to your inquiries and provide support.
To communicate with you about your loan.

Compliance:

To comply with legal and regulatory requirements.
To prevent fraud and ensure security.

Improvement of Services:

To analyze data and improve our services.
To personalize your experience.

4. Disclosure of Your Information

We may disclose your information to:

Contractor Partners: To facilitate loan disbursements and after-sales service.
Service Providers: To assist with loan processing, data analysis, and customer support.
Regulatory Authorities: As required by law.
Credit Reference Bureaus: For credit assessment and reporting.
Legal Authorities: In response to legal requests or to protect our rights.

5. Data Security

We implement appropriate technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, and destruction. These measures include:

Encryption of sensitive data.
Secure server infrastructure.
Access controls and authentication.
Regular security audits.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

7. Your Rights

Under the Kenyan Data Protection Act, 2019, you have the following rights:

Right to Access: You can request access to your personal information.
Right to Rectification: You can request correction of inaccurate information.
Right to Erasure: You can request deletion of your information, subject to legal limitations.
Right to Object: You can object to the processing of your information.
Right to Data Portability: You can request a copy of your information in a portable format.

To exercise these rights, please contact us using the contact information provided below.

8. Cookies and Tracking Technologies

We may use cookies and similar technologies to collect information about your website usage. You can manage your cookie preferences through your browser settings.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on our website or through other communication channels.

10. Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us at:

Email: robert@joinenerjoy.com

11. Governing Law

This Privacy Policy is governed by the laws of Kenya, including the Kenyan Data Protection Act, 2019.