If you want to use the products/services on the Beta Pesa platform, you first need to register a Beta Pesa account. To create an account, we need to collect your mobile phone number to mark your identity. If you refuse to provide it, we cannot create an account or provide financial services.
When you log in for the first time, we will send a verification code to verify your identity for legal compliance and account security.
We require identity authentication including name, ID number, date of birth, gender, marital status, education, work status, other loans, income, payday, address, phone, email, emergency contact, chat accounts, etc. We may verify with legal identity agencies. Without real-name authentication, you cannot use Beta Pesa services normally under Kenya’s financial law.
Before providing emergency contacts, confirm you have their consent. We collect name, phone number, and relationship. We only contact emergency contacts in compliance with laws, such as fraud risk alerts.
We verify identity via phone number, name, ID number, and order info. We may retain call records for 30 days then delete automatically.
You need to provide bank card or mobile account info for borrowing/repayment. Refusal may block service use.
We may send product/ promotion info via app messages, SMS, or calls. You can opt out via customer service or notification settings without affecting basic functions.
System auto-generates orders. We collect loan info, emergency contacts, order data for transactions, settlement, inquiry, management, and security checks.
Data is split into user-authorized mobile/system data and loan application filled data.
Collection: device name, model, OS, version, MAC, screen size, memory, resolution, WiFi status, etc.
Processing: desensitization & encryption.
Use: device fingerprint for unique ID to prevent unauthorized use.
Security: HTTPS encrypted upload to https://betapesa.com; no third-party sharing.
Collection: financial transaction SMS (content, sender, time) only for recent 3 months at borrowing.
Processing: desensitization & encryption.
Use: credit risk & anti-fraud analysis for limit/rate. Refusal means no risk/credit assessment.
Security: HTTPS encrypted upload; no third-party sharing.
Collection: name, ID, birthdate, gender, marital status, education, job, loans, income, payday, address, phone, email, emergency contact, social accounts.
Processing: desensitization & encryption.
Use: credit rating.
Security: HTTPS encrypted upload; no third-party sharing.
Including legal compliance, national security, public safety, crime investigation, life/property protection, your public disclosure, contract performance, public lawful sources, service stability, etc.
100% security cannot be guaranteed due to internet risks. We bear legal responsibility for failures in our protection facilities.
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Services are for adults over 18. We do not collect minor data. If a minor uses services fraudulently, contact us for immediate deletion.
We may revise per laws/regulatory/business needs. We notify via pop-up or page. Major changes get prominent notice. Continued use means acceptance of updated policy.