# Fincredit SEZ Limited

> Credit only Micro-finance Institution

> Contact: jamesmkisinga@gmail.com

### Posts

#### Awards and Achievements
FinCredit has been awarded by a number of institutions depicting our commitment to excellence. A sample of our past awards are;

Top 100 Mid-sized companies 2014/2015
Oiko Credit Award – Efficiency & Partnership 2013
Oiko Credit Award – Timely Monthly repayment 2011

#### Budgeting 101
A budget is pre-thought plan that guides your expenditure. Financial advisors agree that living within a budget is one of the key ways of staying financially focused and keeping a financially sound life. It is a reliable safeguard against impulse purchasing that more often than not brings with it bouts of regret. Today we talk about basic budgeting tips to help guide your expenditure and give you financial stability.

Pay yourself first. It is critical to set aside money towards your future financial goals by beginning with yourself. Practice prioritizing by starting with yourself. Start by setting aside a monthly amount and keep raising it as your income rises.
Create a list of all monthly expenditures. Classify them into monthly and one-off payments.
Allocate the financial figures for each category before accessing your money.
Before you purchase anything, allow yourself to think it over and if it is not budgeted for, do not buy it.

N.B. Use your budget as a guide in your quest of attaining financial freedom and leading a financially sound life.

#### CEO of FinCredit presents a scholarship cheque
John K. Kariuki, CEO of FinCredit (Center L) presenting a school fees cheque to one of the company’s Scholarship beneficiary.

#### FinCredit Gala Award Dinner held at Carnivore
FinCredit Gala Award Dinner 2016 held at the Carnivore

#### FinCredit Gala Award Dinner held at Sarova Stanley
FinCredit Gala Award Dinner was held at the Sarova Stanley on 6th March 2015
Branch Manager of the Year award
2nd Runner- up – Carol Opiyo, Titans Branch
1st Runner- up – Patricia Kauki, Upperhill Branch
Winner- Boaz Manoa – City Centre Branch
Rep of the Year award
2nd Runner-up – General & Health Insurance Agency, Uppperhill Branch
1st Runner-up – Consolata Kanini, Upperhill Branch
Winner – Jason Nyakang’o , City Centre Branch
Lunch /Dinner Meal Voucher for 2 pax at Sarova Stanley
Mawili Kariuki- Upperhill Branch
Beatrice Ngode – Megahealth Insurance Agency
Rufus Ntongai – Sarit Agency

#### Fincredit has a strong CSR Culture
FinCredit® runs a school feeding program started in 2014 at the Ronald Ngala Primary school in Dandora. We sponsor over 60 needy students yearly. We provide them with daily meals thus alleviating the challenge from their parents. We also sponsor orphans and vulnerable children at the school. We provide school shoes and uniforms annually thereby allowing them to experience dignity as they learn.
In addition to this, every four years, we sponsor identified students who have performed exceptionally well in KCPE and fund the top performers through high school. This year was no different. Fredrick Ochieng emerged as the best candidate and was enrolled at Ofafa Jericho School in Nairobi. Ofafa Jericho is a reputable school that has groomed countless Kenyan talents throughout its history.
We had the honor of hosting Fredrick and his mother as they made a courtesy call at our offices in May 2024. We wish him the very best as he embarks on his studies.

#### FinCredit is a member of the Kenya top 100 mid-sized companies
FinCredit’s top management receive a trophy awarded to the company for being a member of the Kenya top 100 mid-sized companies 2014/15. George Ndonga (L) the Finance Director and Rosemary Waweru (R) the IPF Business Manager receiving the Top 100 Mid-Sized Companies 2014/15 award from Kevin Mulei of Mo Sounds on 10th October 2014.

#### How to keep your business afloat in economically challenging times
Businesses face challenging times whether it’s the challenge of beginning a business or getting enough customers to keep your business afloat. Other challenges include: an economic slump or an uncertain economic climate or even a pandemic that changes the business landscape. How can a business navigate all this and still remain profitable?
Today we talk about two aspects that a business can focus on to keep it viable even in times that seem uncertain:

Stay flexible. Constantly reconfigure your business to meet the changing needs of your customers. A business needs to adapt to the changing environment while meeting the needs of its customers in order to navigate challenging times.
Invest in technology. Technological advancements are changing how business is done. This makes organizations stay secure and tap into new opportunities. Is there a new system that can improve your product? Is there a system that would ensure your company delivers a world class product or service? Is your business focusing on the changing customer needs and preferences? Investing in technology gives businesses a competitive edge.

The business environment may face unpredictable challenges. But with a clear mission and understanding on how to adapt and tap into the opportunities presented your businesses can thrive.

#### Leveraging on credit for a better life: How to apportion loans wisely
You may find yourself from time to time cash strapped whether it is personal or for your business. How can one manage the situation without creating a financial crisis?
Here are 3 important tips you should know when you borrow:

Before you borrow money, seek advice from financial experts to help establish if you need to borrow and how much. Listen to different points of view that will help you make decisions based on facts; that way the money borrowed will not be a burden to you or your business.
Be clear on why you need the money and the exact amount required. Be careful not to borrow less or more than what you require. Before you borrow establish whether you can raise the money in another way. Suppose for example, you have an order to supply facemasks but don’t have the money to buy from your supplier, you could opt to negotiate credit terms with your supplier and if you’re successful, you may find you do not need to borrow. And if your supplier is not willing to give you credit for the full amount then try and negotiate credit for say, half the amount. If that succeeds you will only need to borrow the balance.
Prepare in advance all documentation to support your application. This will hasten the loan application process. Ensure the information provided is accurate and always maintain honesty.

### Pages

#### About us
About UsOur Background
FinCredit® (formerly AAR Credit Services Ltd) is a premier credit-only micro-finance institution with operations in Kenya, Uganda and Liberia. It started its operations in the year 2000 as a member of the AAR Group of Companies.
Over the years, the Company has registered tremendous growth through introduction of a wide-range of innovative and beneficial financial products targeting its diverse clientele. We are keen to enrich the lives of our customers and always go out of our way to customize our products to meet the specific needs of each of our customers. To us, every customer is unique and matters to us. We are also focused on growing our business through strategic partnerships which has helped us achieve tremendous growth over the years.
We have a team of dedicated and highly qualified professionals who are committed to providing excellent services to our customers. The company has invested heavily in ensuring that our staff team is abreast of developments in the market which is evident from our high rate of innovation.

FinCredit® upholds the best practices in corporate governance. The majority of the board of directors are non-executive and are drawn from skilled and experienced business leaders. Further, we have contracted the services of Mazars, a reputable audit firm as an independent internal auditor. In addition, external audits are conducted by PKF Eastern Africa, a global leading audit firm.

"We seek to improve the lives of our customers through provision of beneficial and innovative financial products".Vision Statement
To be the most admired financial services company in region.

Mission Statement
We provide innovative and beneficial financial services that enrich the lives of our customers.

Core Values

Innovation
Integrity
Teamwork

Growing Your BusinessGreat Team
Great ServicesWe take pleasure in offering personalized solutions that are geared to your specific goals and desires. In this pursuit, we provide customized services to boost your financial success with a team of highly qualified financial experts.View Team

#### Annah Wanjiku Wambugu
ProfileAnnah Wanjiku WambuguShe is the Customer Service Manager. She has over 18 years’ experience in credit management, financial management and reporting in the private sector.
Ms Wambugu is a Certified Public Accountant, Kenya and a member of the Institute of Certified Public Accountant of Kenya. She holds an MBA from University of Nairobi and Bachelor of Commerce Degree from The Catholic University of Eastern Africa. She is a certified financial reporting analyst from the European Business University, Luxembourg.

#### Blog
URL: https://fincredit.co.ke/blog/

#### Contact Us
FinCredit SEZ LtdTRIFIC SEZ, Two Rivers MallPostal Address
P.O. Box 101267-00101 Nairobi, Kenya

Mobile Numbers0709000390 - 07090003990736 425 040Customer Servicecustomerservice@fincredit.co.keLoan Enquiriessales@fincredit.co.keWorking HoursMonday to Friday
8.00am - 5.00pm
Saturday & Sunday
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#### Cookies Policy
Introduction
Our Cookies Policy was last updated on 8th August 2022.
This Cookies Policy explains what Cookies are and how We use them. You should read this policy so You can understand what type of cookies We use, or the information We collect using Cookies and how that information is used.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about You may be linked to the information stored in and obtained from Cookies. For further information on how We use, store and keep your personal data secure, see our Privacy Policy.
We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the Cookies We use.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
In this Cookies Policy:

“Company” (referred to as either “the Company”, “We”, “Us” or “Our” in this Cookies Policy) refers to Fincredit Limited.
“Cookies” means small files that are placed on Your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.
“Website” refers to FINCREDIT LTD, accessible from https://fincredit.co.ke/
“You” means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.

The use of the Cookies
Type of Cookies We Use
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.
We use both session and persistent Cookies for the purposes set out below:

Necessary / Essential Cookies

Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies

Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies

Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

Tracking and Performance Cookies

Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new advertisements, pages, features or new functionality of the Website to see how our users react to them.
Your Choices Regarding Cookies
If You prefer to avoid the use of Cookies on the Website, first You must disable the use of Cookies in your browser and then delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time.
If You do not accept Our Cookies, You may experience some inconvenience in your use of the Website and some features may not function properly.
If You’d like to delete Cookies or instruct your web browser to delete or refuse Cookies, please visit the help pages of your web browser.

For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
For the Safari web browser, please visit this page from Apple: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
For any other web browser, please visit your web browser’s official web pages.

Contact Us
If you have any questions about this Cookies Policy, You can contact us:

By visiting this page on our website: https://fincredit.co.ke/

By sending us an email: sales@fincredit.co.ke

#### CSR
Corporate ResponsibilityImpacting Society for
More Than 20 YearsMaking a positive difference in the lives of the people and places in which we do business
FinCredit® appreciates the fact that it exists within a community, where it has a role to play in making a difference by positively impacting the lives of the people in it. We realise that we cannot always look up to the government to solve all the challenges faced by society but rather be part of the solution by acting on areas we are able to, and change lives.
One of the best gifts to every child is education. Education, hence knowledge, opens a child’s mind to a world of possibilities and opportunities regardless of their background. The government has played its role in providing free primary education to all. FinCredit® has joined the noble cause of making education affordable and within reach by identifying a school that has needy and orphaned children whose main challenges include lack of meals and school uniforms.
We have taken up the task of meeting the cost of school meals for each of the needy children every term as well as providing them with new school uniforms inclusive of shoes every year. Mentoring and nurturing these children is an ongoing initiative that is aimed at providing them with a good foundation. The children are now in a position to concentrate fully on their studies thus giving them an opportunity for attaining a better future.
At FinCredit®, we believe that by impacting the life of a child positively we will have impacted a whole generation!

#### Data Processing Terms & Conditions
FINCREDIT LIMITED DATA PROCESSING TERMS AND CONDITIONS
 
 
These are the Data Processing Terms and Conditions (the “Data Processing Terms”) on which Fincredit Limited (“Fincredit”), provide the Service (as herein defined) to customers (the “Customer”).
 
WHEREAS:
 
1) Under an agreement between the Customer and Fincredit (the “Service Agreement”) Fincredit provides to the Customer the Service described in the Service Agreement.
2) The provision of the Service by Fincredit may involve it in processing Personal Data on behalf of the Customer.
3) Under the Data Protection Act 2019 (the “Act”) (Article 28, paragraph 3), the Customer is required to put in place an agreement in writing between the Customer and any organisation which processes personal data on its behalf governing the processing of that data.
4) The Parties have agreed to follow the Data Processing Terms to ensure compliance with the said provisions of the ACT in relation to all processing of the Personal Data by Fincredit for the Customer.
5) The Data Processing Terms are to apply to all processing of Personal Data carried out for the Customer by Fincredit and to all Personal Data held by Fincredit in relation to all such processing.
6) The Data Processing Terms shall form a part of the Service Agreement.
 
IT IS AGREED as follows:
 
1. DEFINITIONS AND INTERPRETATION
 
In the Data Processing Terms, unless the context otherwise requires, the following expressions have the following meanings:
 
1.1. “Customer”, “Data Processor”, “processing”, and “data subject” shall have the meanings given to the terms in Clause 2 of the ACT;
1.2. “ODPC” means the Office of the Data Protection Commissioner, Kenya;
1.3. “Personal Data” means all such “personal data”, as defined in Article 2 of the ACT for as long as it is directly applicable in Kenya and any successor legislation in Kenya to the ACT, as is, or is to be, processed by Fincredit on behalf of the Customer, as described in the Service Agreement;
1.4. “Service” means those services and/or facilities described in the Service Agreement which are provided by Fincredit to the Customer and which the Customer uses for the purposes described in the Service Agreement;
1.5. “Sub-Processor” means a sub-processor appointed by Fincredit to process the Personal Data; and
1.6. “Sub-Processing Agreement” means an agreement between Fincredit and a Sub-Processor governing the Personal Data processing carried out by the Sub-Processor, as described in Clause 10.
1.7. Unless the context otherwise requires, each reference in the Data Processing Terms to:
1.7.1. “writing”, and any cognate expression, includes a reference to any communication effected by electronic or facsimile transmission or similar means;
1.7.2. a statute or a provision of a statute is a reference to that statute or provision as amended or re-enacted at the relevant time;
1.7.3. the “Service Agreement” is a reference to collectively the Just Cash® Loans Service; the Terms and Conditions; the Data Protection and Privacy Policy; and the Data Processing Terms as amended or supplemented at the relevant time;
1.7.4. a Clause or paragraph is a reference to a Clause of the Data Processing Terms.
1.7.5. a “Party” or the “Parties” refer to the parties to the Service Agreement
1.8. The headings used in the Data Processing Terms are for convenience only and shall have no effect upon the interpretation of the Data Processing Terms.
1.9. Words imparting the singular number shall include the plural and vice versa.
1.10. References to any gender shall include all other genders.
1.11. References to persons shall include legal persons.
 
2. SCOPE AND APPLICATION OF THE DATA PROCESSING TERMS
 
2.1. The provisions of the Data Processing Terms shall apply to the processing of the Personal Data described in the Service Agreement, carried out for the Customer by Fincredit, and to all Personal Data held by Fincredit in relation to all such processing whether such Personal Data is held at the date of the Service Agreement or received afterwards.
2.2. The provisions of the Data Processing Terms supersede any other arrangement, understanding, or agreement made between the Parties at any time relating to the Personal Data.
2.3. The Data Processing Terms shall continue in full force and effect for so long as Fincredit is processing Personal Data on behalf of the Customer, and thereafter as provided in Clause 9.
 
3. PROVISION OF THE SERVICE AND PROCESSING PERSONAL DATA
 
Fincredit is only to carry out the Service, and only to process the Personal Data received from the Customer:
 
3.1. for the purposes of the Service and not for any other purpose;
3.2. to the extent and in such a manner as is necessary for those purposes; and
3.3. strictly in accordance with the express written authorisation and instructions of the Customer (which may be specific instructions or instructions of a general nature or as otherwise notified by the Customer to Fincredit).
 
4. DATA PROTECTION COMPLIANCE
 
4.1. All instructions given by the Customer to Fincredit shall be made in writing and shall at all times be in compliance with the ACT and other applicable laws. Fincredit shall act only on such written instructions from the Customer unless Fincredit is required by law to do otherwise.
4.2. Both Parties shall comply at all times with the ACT and other applicable laws and shall not perform their obligations under the Data Processing Terms or any other agreement or arrangement between themselves in such way as to cause either Party to breach any of its applicable obligations under the ACT.
4.3. The Customer hereby warrants, represents, and undertakes that the Personal Data shall comply with the ACT in all respects including, but not limited to, its collection, holding, and processing.
4.4. Fincredit shall ensure that its obligations under the Data Processing Terms are satisfactorily performed in accordance with any and all applicable legislation from time to time in force in under the ACT and any best practice guidance issued by the ODPC.
4.5. Fincredit shall provide all reasonable assistance (at the Customer’s cost) to the Customer in complying with its obligations under the ACT with respect to the security of processing, the notification of personal data breaches, the conduct of data protection impact assessments, and in dealings with the ODPC.
4.6. When processing the Personal Data on behalf of the Customer, Fincredit shall:
4.6.1. only transfer the Personal Data to and/or process the Personal Data in a country outside Kenya where the said country complies with the obligations for Data Processors under the provisions applicable to transfers of Personal Data to third countries set out in Chapter 5 of the ACT by providing an adequate level of protection to any Personal Data that is transferred;
4.6.2. only transfer the Personal Data to any third party strictly subject to the terms of a suitable agreement, as set out in the ACT;
4.6.3. process the Personal Data only to the extent, and in such manner, as is necessary in order to comply with its obligations to the Customer or as may be required by law (in which case, Fincredit shall inform the Customer of the legal requirement in question before processing the Personal Data for that purpose unless prohibited from doing so by law);
4.6.4. implement appropriate technical and organisational measures, and take all steps necessary to protect the Personal Data against unauthorised or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure;
4.6.5. if so requested by the Customer (and within the reasonable timescales required by the Customer) supply further details of the technical and organisational systems in place to safeguard the security of the Personal Data held and to prevent unauthorised access;
4.6.6. keep records of all processing activities carried out on the Personal Data in accordance with the requirements of the ACT;
4.6.7. make available to the Customer any and all such information as is reasonably required and necessary to demonstrate Fincredit’s compliance with the ACT;
4.6.8. on reasonable notice provide the Customer with any information reasonably required in order to assess and verify compliance with the provisions of the Data Processing Terms and both Parties’ compliance with the requirements of the ACT; and
4.6.9. inform the Customer immediately if it is asked to do anything that infringes the ACT or any other applicable data protection legislation.
 
5. DATA SUBJECT ACCESS, COMPLAINTS, AND BREACHES
 
5.1. Fincredit shall, at the Customer’s cost, assist the Customer in complying with its obligations under the ACT. In particular, the following shall apply to data subject access requests, complaints, and data breaches.
5.2. Fincredit shall notify the Customer without undue delay if it receives:
5.2.1. a subject access request from a data subject; or
5.2.2. any other complaint or request relating to the processing of the Personal Data.
5.3. Fincredit shall, at the Customer’s cost, cooperate fully with the Customer and assist as required in relation to any subject access request, complaint, or other request, including by:
5.3.1. providing the Customer with full details of the complaint or request;
5.3.2. providing the necessary information and assistance in order to comply with a subject access request;
5.3.3. providing the Customer with any Personal Data it holds in relation to a data subject (within thebtimescales required by the Customer); and
5.3.4. providing the Customer with any other information requested by the Customer.
5.4. Fincredit shall notify the Customer immediately if it becomes aware of any form of Personal Data breach, including any unauthorised or unlawful processing, loss of, damage to, or destruction of any of the Personal Data.
 
6. LIABILITY AND INDEMNITY
 
6.1. The Customer shall be liable for, and shall indemnify (and keep indemnified) Fincredit in respect of any and all action, proceeding, liability, cost, claim, loss, expense (including reasonable legal fees and payments on a solicitor and client basis), or demand suffered or incurred by, awarded against, or agreed to be paid by, Fincredit and any Sub-Processor arising directly or in connection with:
6.1.1. any non-compliance by the Customer with the ACT or other applicable legislation;
6.1.2. any Personal Data processing carried out by Fincredit or Sub-Processor in accordance with instructions given by the Customer that infringe the ACT or other applicable legislation; or
6.1.3. any breach by the Customer of its obligations under the Data Processing Terms, except to the extent that Fincredit or Sub-Processor is liable under sub-Clause 6.2.
6.2. Subject to the T&C’s Fincredit shall be liable for any and all action, proceeding, liability, cost, claim, loss, expense (including reasonable legal fees and payments on a solicitor and client basis), or demand suffered or incurred by, awarded against the Customer arising directly or in connection with Fincredit’s Personal Data processing activities that are subject to the Data Processing Terms:
6.2.1. only to the extent that the same results from Fincredit’s breach of the Data Processing Terms; and
6.2.2. not to the extent that the same is or are contributed to by any breach of the Data Processing Terms by the Customer.
6.3. The Customer shall not be entitled to claim back from Fincredit or Sub-Processor any sums paid in compensation by the Customer in respect of any damage to the extent that the Customer is liable to indemnify Fincredit or Sub-Processor under sub-Clause 6.1.
6.4. Nothing in the Data Processing Terms (and in particular, this Clause 6) shall relieve either Party of, or otherwise affect, the liability of either Party to any data subject, or for any other breach of that Party’s direct obligations under the ACT.
 
7. INTELLECTUAL PROPERTY RIGHTS
 
All copyright, database rights, and other intellectual property rights subsisting in the Personal Data (including but not limited to any updates, amendments, or adaptations to the Personal Data made by either the Customer or Fincredit) shall belong to the Customer or to any other applicable third party from whom the Customer has obtained the Personal Data under licence (including, but not limited to, data subjects, where applicable). Fincredit is licensed to use such Personal Data under such rights only for the term of the Service Agreement, for the purposes of the Service, and in accordance with the Data Processing Terms.
 
8. CONFIDENTIALITY
 
8.1. Fincredit shall maintain the Personal Data in confidence, and in particular, unless the Customer has given written consent for Fincredit to do so, Fincredit shall not disclose any Personal Data supplied to Fincredit by, for, or on behalf of, the Customer to any third party. Fincredit shall not process or make any use of any Personal Data supplied to it by the Customer otherwise than in connection with the provision of the Service to the Customer.
8.2. Fincredit shall ensure that all personnel who are to access and/or process any of the Personal Data are contractually obliged to keep the Personal Data confidential.
8.3. The obligations set out in in this Clause 8 shall continue for a period of five (5) years after the cessation of the provision of Service by Fincredit to the Customer.
8.4. Nothing in the Data Processing Terms shall prevent either Party from complying with any requirement to disclose Personal Data where such disclosure is required by law. In such cases, the Party required to disclose shall notify the other Party of the disclosure requirements prior to disclosure, unless such notification is prohibited by law.
 
9. APPOINTMENT OF SUB-PROCESSORS
 
9.1. Fincredit shall have the right to sub-contract any of its obligations or rights under the Data Processing Terms without the prior written consent of the Customer.
9.2. In the event that Fincredit appoints a Sub-Processor, Fincredit shall:
9.2.1. enter into a Sub-Processing Agreement with the Sub-Processor which shall impose upon the Sub- Processor the same obligations as are imposed upon Fincredit by the Data Processing Terms and which shall permit both Fincredit and the Customer to enforce those obligations; and
9.2.2. ensure that the Sub-Processor complies fully with its obligations under the Sub-Processing Agreement and the ACT.
9.3. In the event that a Sub-Processor fails to meet its obligations under any Sub-Processing Agreement, Fincredit shall remain fully liable to the Customer for failing to meet its obligations under the Data Processing Terms.
 
10. DELETION AND/OR DISPOSAL OF PERSONAL DATA
 
10.1. Fincredit shall, at the written request of the Customer, delete (or otherwise dispose of) the Personal Data or return it to the Customer in the format(s) reasonably requested by the Customer within a reasonable time after the earlier of the following:
10.1.1. the end of the provision of the Service under the Service Agreement; or
10.1.2. the processing of that Personal Data by Fincredit is no longer required for the performance of Fincredit’s obligations under the Service Agreement.
10.2. Following the deletion, disposal, or return of the Personal Data under sub-Clause 11.1, Fincredit shall delete (or otherwise dispose of) all further copies of the Personal Data that it holds, unless retention of such copies is required by law, in which case Fincredit shall inform the Customer of such requirement(s) in writing.
 
11. CONSIDERATION
 
Fincredit accepts the obligations in the Data Processing Terms in consideration of the payment of the Fees from the Customer under the Service Agreement.
 
12. LAW AND JURISDICTION
 
12.1. The Data Processing Terms (including any non-contractual matters and obligations arising therefrom or associated therewith) shall be governed by, and construed in accordance with, the laws of Kenya.
12.2. Any dispute, controversy, proceedings or claim between the Parties relating to the Data Processing Terms (including any non-contractual matters and obligations arising therefrom or associated therewith) shall fall within the Dispute Resolution procedure pursuant to the General Terms and Conditions of Service forming part of the Service Agreement.

#### Denis Githuka
ProfileDenis GithukaHe is the Risk and Systems Manager. He has over 15 years’ experience in credit and risk management in the banking, hospitality, accounting and microfinance sectors which was spent in various roles.
Mr. Githuka holds a MSc. Finance and Investment from Kenya Methodist University and Bachelor of Business Management Degree in Accounting and Finance from Egerton University. He is a Certified Public Accountant and a Systems Developer.
He is member of the Institute of Certified Public Accountants of Kenya and Institute of Risk Management – Kenya and an affiliate member of the Global Association of Risk Professionals.

#### Fincredit Footer
Postal Address

P.O. Box 101267-00101 Nairobi, Kenya

Location

TRIFIC SEZ, Two Rivers Mall, Nairobi

Mobile Numbers0709000390 - 07090003990736 425 040Customer Servicecustomerservice@fincredit.co.keLoan Enquiriessales@fincredit.co.keWe are socialCookies Policy
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FinCredit®, a premier credit only micro-finance institution.
© 2026 Fincredit SEZ Limited. All Rights Reserved.

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#### Geoffrey Toywa
ProfileGeoffrey Toywa He is the Business Manager in charge of LogBook and Personal Loans. He has over 18 years’ experience in Sales and Marketing in various sectors such as FMCG, Banking and Financial Services and has previously worked for Absa Bank and the Platinum Group in various roles.
Mr Toywa holds a Bachelor of Business Management Degree in Marketing from Kenya Methodist University and a Post Graduate Diploma in Marketing.
He is a member of the Marketing Society of Kenya.

#### George Ndonga
ProfileGeorge NdongaHe is an Executive Director and serves as the Group Director of Finance and Administration. He has over 28 years’ experience covering manufacturing, motor, retail, insurance and finance industries.
Mr Ndonga is a Certified Public Accountant, Kenya and a member of the Institute of Certified Public Accountants of Kenya. He holds a Bachelor of Commerce (Finance) from Catholic University of Eastern Africa.

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IN NEED OF A QUICK LOAN?Flexible & Fast Logbook Loans Fincredit logbook loan product aims to give individuals and businesses access to quick financing.Find out moreARE YOU EMPLOYED?Salary Checkoff LoansAccess short & long term credit and make repayments through salary deductions.Find out moreHEALTH INSURANCE SORTEDAccess to Quality Medical InsuranceGet affordable quality health insurance coverage for your family today.Find out moreARE YOU RETIRED?Pension LoansThis instant loan is accessible 24/7 and the installments are conveniently deducted from your monthly pension.Find out moreGrowing With Our Clients26 Years Of
Your TrustFinCredit® is a premier credit-only micro-finance institution with operations in Kenya, Uganda and Liberia. We are a Top 100 Medium Size Company 2014, 2016 and 2019
FinCredit® provides innovative and beneficial financial products to its clientele.
Our products are tailored to meet the unique needs of each of our customer given our keen interest to support the financial well being of our valued customers.26+Years Experience15093+Clients Every YearTop 1002014, 2016 and 20199Financial ProductsAt One GlanceOur ProductsFinCredit® offers a wide range of loan products and solutions tailored to meet financial requirements.Find out moreLog book loansThe Fincredit logbook loan product aims to give individuals and businesses access to quick financing. Find out moreFind out moreSalary Check-off LoanOur salary check off loans are tailored to help you meet some long-term commitmentsFind out moreFind out morePension LoansThe instant loans are accessible 24/7 and the installments are conveniently deducted from your monthly pension.Find out moreFind out moreMedical Insurance FinancingWe have partnered with AAR Insurance to offer you access to quality medical insurance. To apply for the serviceFind out moreOur PartnersFinCredit SEZ Ltd believes in collaboration with purpose. We are always delighted to partner with companies whose products and services are beneficial to our clients.Do you need a loan?
Contact Us Today!
5-MINUTE APPLICATIONSECURE PROCESS LOWER RATESKeeping Our PromisesWe Listen, You ProsperOur professionals are not only highly qualified, but also dedicated to provide exemplary service to our customers. We are always delighted to meet your service requirements.View TeamView TeamJohn KariukiGROUP CEOGeorge NdongaGROUP DIRECTOR FINANCE & ADMINISTRATIONRosemary WaweruBUSINESS MANAGER, IPFMore Than Just BusinessGreat Clients
Great ReviewsYour feedback is valuable to us, as we work to improve both our products and our services to you. 

I was able to buy fertilizer in time for planting because of your loan. Thank you for supporting me.

George

Your loan helped me pay school fees for my children and grandchildren.

Paul

Great service. Fair and most legit explanation on interest and procedures.

Levis Nyoike

Your loan helped me put finishing touches on my house.

A happy Fincredit Customer

Well organized at the reception.

Dennis Ngigi

Great people!

John K

#### John K Kariuki
ProfileJohn K. KariukiHe is the founder and Group CEO of the Fincredit Group and a former Managing Director of AAR Health Services. He has over 30 years’ senior management experience covering manufacturing, retail banking, healthcare and microfinance industries.
He sits on the Governing Council of CIS Kenya and is a former Vice Chairman of the Association of Microfinance Institutions of Kenya (AMFI).
Mr. Kariuki has also served on the global Youth Save Expert Advisory Board, a Washington D.C. based consortium and was at one time on the Board of MasterCard for the Middle East & Africa region.
He holds a BSc. Honours Degree in Applied Mathematics and an MBA from Warwick University, UK.

#### Log book loans
LoansLog book LoansThis is a form of financing where we advance a credit facility secured by a motor vehicle. We lend up to KES 2,000,000 to help you unlock the value of your car by availing cash to meet your personal and business financial needs without selling your car!Features and Benefits 

Fast processing in only 12 hours
Affordable interest rates from as low as 5% per month
Flexible repayment period of up to 24 months
Unlock up to 60% of your car’s value to get cash
No early settlement fees

Requirements 

Original Vehicle logbook, KRA PIN and Copy of National ID
Latest 6 months bank statements
Latest 12 MPESA statements
Comprehensive Car Insurance

Logbook Loan Application Form 

 

	
		
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			Loan Amount

			
		
	
	
		
			Please prove you are human by selecting the star.

#### Medical Insurance Financing
FinancingMedical Insurance FinancingWe have partnered with AAR Insurance to offer you access to quality medical insurance. We help our customers access affordable and convenient medical insurance cover by paying in easy and affordable installments. Access medical insurance conveniently and at affordable rates though simple monthly repayments. Secure your future and health though us.
Simply fill the below online loan application form or send your invoice/insurance debit cover note to insurance@fincredit.co.ke and we shall be happy to assist.
Requirements 

KRA PIN and copy of ID
Membership Finance Form
Copy of Insurance Policy or Insurance Cover Note

Medical Insurance Financing Application Form 

 

	
		
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			Your Name

			
		
	
	
		
			Your Email

			
		
	
	
		
			Mobile

			
		
	
	
		
			Loan Amount

			
		
	
	
		
			Please prove you are human by selecting the heart.

#### Mobile Loans Terms & Conditions
TERMS AND CONDITIONS FOR THE APPLICATION AND USE OF THE JUST CASH® MOBILE LOANS SERVICE
 
 
This Agreement is a financial services agreement between you (“Customer” or “you”) and Fincredit Limited (“Fincredit”), a limited liability company duly incorporated under the laws of the Republic of Kenya with a company registration number C.89797 (“Fincredit”, “us” or “we”, “Lender”) and having its principal place of business at Methodist Ministries Centre, Oloitoktok Road, and of P.O. Box 101267-00101 Nairobi Kenya, for the Just Cash® Mobile Loans USSD Service (*424#), and the associated Services (defined below.
This Agreement (together with our Data Processing Terms and Conditions) sets out the complete terms and conditions (the “Terms and Conditions”) which shall be applicable to the Account (as hereinafter defined) opened by you with Fincredit.
These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.
You have the right to seek independent legal counsel in order to fully understand the implications and potential consequences of agreeing to these Terms and Conditions prior to using any of the Services or confirming the intended use of the Services.
 
1. DEFINITIONS
 
In this Agreement
 
1.1. “Account” means your Loan account with the Lender;
1.2. “Administration Fee” is the fee charged on loan disbursal and is a fixed percentage of the Loan Amount;
1.3. “Credentials” means your personal credentials used to access the Just Cash® System, initiate requests and access the Services;
1.4. “Credit Life Insurance” means such personal insurance cover as the Lender may place with an Insurer selected by the Lender in respect of such risks affecting the Customer resulting in permanent and total disability or death to the Customer, as the Lender shall determine.
1.5. “Credit Limit” means the maximum pre-approved amount that a Customer can borrow on the Just Cash® System;
1.6. “Credit Reference Bureau” means a credit reference bureau duly licensed and registered under the Credit Reference Bureau Regulations 2013 to inter alia, collect and facilitate the sharing of customer credit information;
1.7. “Customer” means a person whose name is registered in the Lenders Just Cash® Loan System with valid identification details and a registered mobile phone number;
1.8. “Facility” means the Loan which the Customer requests from the Lender through their registered and recognised Mobile Phone Number;
1.9. “Loan” means a loan disbursed electronically by the Lender to a Customer M-PESA account, electronic wallet account (“E-Wallet”) or to any other available payment option selected by the Customer upon a Customer’s request.
1.10. “Just Cash® System” means the Lenders electronic lending and communication software enabling the Customer to communicate with the Lender for the purpose of accessing the Facility and Services;
1.11. “Late Repayment Charge” means a penalty charged at the rate of ten percent (10%) on any outstanding amounts which have become due but remain unpaid on the Repayment Date;
1.12. “P/A Insurance” means such personal accident insurance cover as the Lender may place with an Insurer selected by the Lender in respect of such accidental risks affecting the Customer, as the Lender shall determine.
1.13. “Repayment Date” means the day that the Loan instalment shall be due for repayment being thirty (30) calendar days from the date of disbursement of the Loan;
1.14. “Request” means a request or instruction received by the Lender from you or purportedly from you through the Safaricom Network and the Just Cash® System and upon which the Lender is authorized to act;
1.15. “Service” means and shall include any form of Loan, payment solution, transfer service, or Request that the Lender may offer you pursuant to this Agreement as you may from time to time subscribe to, and “Services” shall be construed accordingly;
1.16. “Mobile Money” means the money transfer and payments service operated by the Mobile Money Providers in Kenya;
1.17. “Mobile Money Account” means your mobile money store of value, being the record maintained by Mobile Money Providers in Kenya of the amount of E-Money from time to time held by you in the Mobile Money Provider’s System;
1.18. “Mobile Network Operator” means a mobile network operator in Kenya registered with the Communications Authority of Kenya;
1.19. “Mobile Money Provider” means a Mobile Network Operator that has been duly authorized by the Central Bank of Kenya under applicable law to offer Mobile Money Services in Kenya;
1.20. “Equipment” means and shall include your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Just Cash System and use the products and services availed to you by the Mobile Network Operators subject to such term and conditions agreed between you and the Mobile Network Operators;
1.21. “You” or “your” means the Customer and includes the personal representatives, assigns and heirs of the Customer;
1.22. The word “Customer” shall include the masculine and the feminine gender as well as juristic persons;
1.23. “writing”, and any cognate expression, includes a reference to any communication effected by electronic or facsimile transmission or similar means;
1.24. Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
 
2. ACCEPTANCE OF THE TERMS AND CONDITIONS:
 
2.1. Before applying for the Service you should carefully read and understand these Terms and Conditions which will govern the provision, use, operation and management of the Service.
2.2. If you do not agree with these Terms and Conditions, please cancel the Registration by failing to confirm your National Identification number, Mobile Phone Number and Personal Details.
2.3. You will be deemed to have read, understood and accepted these Terms and Conditions:
2.3.1. upon confirming National Identification number, Mobile Phone Number and Personal Details either through the USSD Service or mobile Phone Application
2.3.2. acknowledging the receipt of the Registration text message and successfully accessing the Service on first use;
2.3.3. by using or continuing to use and operate the Service
2.4. By applying to access the Service with the Lender you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the Service and you affirm that these Terms and Conditions herein are without prejudice to any right that the Lender may have with respect to the Service in law or otherwise.
2.5. You acknowledge and accept that the Lender offers the Service only by electronic means via the Just Cash® System.
2.6. By using the Just Cash® System or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use these Services, you consent to us and our affiliates’ and licensees’ transmission, collection, retention, maintenance, processing and use of your data to improve our Services and/or your experience while using the Just Cash® System.
2.7. You hereby agree and authorize the Lender to obtain, procure, get, verify, and or validate your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Lender.
2.8. You hereby agree and authorize the Lender to obtain, procure, get, verify and or validate your Mobile Number related information held by any Mobile Network operator licenced to operator within the Republic of Kenya and further agree and consent to the disclosure and provision of such Mobile Number related information by the Mobile Network Operator to the Lender.
2.9. The Lender reserves the right to vary these Terms and Conditions from time to time upon seeking and obtaining approval to vary such terms from the relevant authority regulating the Lender, where applicable, and upon issuing a notice to You by way of Short Messaging Service (SMS) or such other means as contained in these Term and Conditions.
 
3. PERSONAL INFORMATION
 
3.1. You hereby agree and authorise the Lender to verify information provided by you to the Lender against the information held by the Mobile Money Providers in relation to your Mobile Money Account pursuant to the agreement between you and the relevant Mobile Money Provider for the provision of its products and services and the Mobile Money Service.
3.2. The information that the Lender may verify against the information held by the Mobile Money Providers includes (without limitation): your phone number, name, date of birth, Identification Number (“ID”) or Passport Number and any other such other information that will enable the Lender to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”).
3.3. You hereby agree and authorise the Lender to verify information including, but not limited to, data relating to your phone (including, without limitation, your phone’s history) from your Equipment, from any SMS sent to you by the Mobile Money Providers and any financial services providers relating to your use of the Mobile Money Service and such other information as the Lender shall require for purposes of providing you the Services (the “Relevant Information”).
3.4. You hereby consent to the Lender verifying the Personal Information and the Relevant Information with the Mobile Money Providers and using of the Personal Information and the Relevant Information to the extent necessary in the opinion of the Lender to provide you with the Services.
3.5. You hereby agree and authorise the Lender to obtain and procure your Personal Information and Relevant Information from your respective Mobile Money Provider and you further agree and consent to the disclosure and provision of such Personal Information by the Mobile Money Provider and further to indemnify and hold the Lender and the Mobile Money Provider harmless with respect to any claims, losses, liabilities and expenses (including legalfees and expenses) that may arise as a result of the disclosure and reliance on such Personal Information and/or Relevant Information.
3.6. The Lender reserves the right to request for further information from you pertaining to your request for a Loan, Service or to access the Just Cash® System at any time. Failure to provide such information within the time required by the Lender may result in the Lender declining to accept your request.
 
4. CUSTOMER’S RESPONSIBILITIES
 
4.1. You shall at your own expense provide and maintain in safe and efficient operating order your Equipment necessary for the purpose of accessing the Just Cash® System and the Services.
4.2. You shall be responsible for ensuring the proper performance of your Equipment. The Lender shall neither be responsible for any errors or failures caused by any malfunction of your Equipment, and nor shall the Lender be responsible for any computer virus or related problems that may be associated with the use of the Just Cash® System, the Services and the Equipment. You shall be responsible for charges due to any service provider providing you with connection to the Just Cash® System and the Lender shall not be responsible for losses or delays caused by any such service provider.
4.3. You shall follow all instructions, procedures and terms contained in this Agreement and any document provided by the Lender concerning the use of the System and the Services.
4.4. You hereby agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your Credentials secret and secure. You shall ensure that your Credentials do not become known or come into possession of any unauthorised person. The Lender shall not be liable for any disclosure of your Credentials to any third party and you hereby agree to indemnify and hold the Lender harmless from any losses resulting from any disclosure of your Credentials.
4.5. You shall take all reasonable precautions to detect any unauthorised use and access of the System and the Services undertaken using your Equipment. To that end, you shall ensure that all communications from the Lender are examined and checked by you or on your behalf as soon as practicable after receipt by you in such a way that any unauthorised use of and access to the Just Cash® System will be detected. You shall immediately inform the Lender in the event that:
4.5.1. You have reason to believe that your Credentials are or may be known to any person not authorised to know the same and/or have been compromised; and/or
4.5.2. You have reason to believe that unauthorised access and use of the Just Cash® System and the Services has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.
4.6. You shall at all times follow the security procedures notified to you by the Lender from time to time or such other procedures as may be applicable to the Services from time to time. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your Personal Information, Relevant Information and such other information held by the Lender in connection to the Services and Requests made by you to the Lender in confidentiality. In particular, you shall ensure that the Services are not used or Requests are not issued or the relevant functions are not performed by anyone other you or a person authorised by you to do so.
4.7. You shall not at any time operate or use the Services in any manner that may be prejudicial to the Lender.
 
5. FACILITY AND ADVANCES
 
5.1. The Customer acknowledges that the Lender shall appraise his or her Mobile Loan according to the Lender’s loan appraisal and vetting processes and that the Lender reserves the right, at its sole discretion, and without assigning any reason to approve or decline your application for a Mobile Loan.
5.2. Subject to approval of the Mobile Loan requested or sought by you, the Lender shall lend and disburse to you an amount to be determined by the Lender in its sole discretion subject to a minimum amount of Kenya Shillings Five Hundred only (KShs 500.00/=) and a maximum amount Kenya Shillings One Hundred Thousand only (KShs 100,000.00/=) or the Credit Limit.
5.3. The Customer acknowledges, consents and authorises the Lender to utilise the proceeds of the Mobile Loan to pay and settle any amounts, advances, loans and Mobile Loans due and outstanding from the Customer.
5.4. The proceeds of the Loan shall be credited into either your M-PESA Account, E-Wallet or any other option availed by the Lender which you select, subject to any deductions on account of applicable Credit Charge, fees, expenses, taxes and or duties.
5.5. In consideration of the Lender granting you the Mobile Loan, you shall pay a Credit Charge as may be determined by the Lender which shall be paid together with the Mobile Loan on the Repayment Date.
5.6. You shall pay to the Lender any charges, fees, expenses, taxes, duties, impositions and expenses incurred by the Lender in complying with your Mobile Loan request.
5.7. The Lender reserves the right to vary the terms of the Mobile Loan including the credit charge and or fees payable thereon from time to time upon notice to you in writing.
5.8. The Customer agrees that the Lender shall provide various Services defined in Schedule A of these Terms and Conditions with varying fees, charges, expenses and amounts which the Lender shall provide, avail and grant access to you at its sole discretion.
5.9. The Lender grants the Mobile Loan or part thereof to the Customer subject to:
5.9.1. the availability of funds;
5.9.2. there being no change in applicable law or regulation or existing requirements of, or new requirements being imposed by any governmental, fiscal, monetary, regulatory or other authority the result of which in the sole opinion of the Lender is to increase the cost to the Lender of funding, maintaining or making available the Service (or any undrawn amount thereof);
5.9.3. no Event of Default having occurred and no event having occurred which, with the giving of notice and/or lapse of time and/or upon the Lender making the relevant determination, would constitute an Event of Default; and
5.9.4. The Customer’s compliance with these Terms and Conditions.
5.10. You hereby expressly give consent to the Lender to recover all monies due that you will not have settled on the Repayment Date through your employer from your payroll in the first instance or from any other source of your income or assets.
5.11. Any addition, alteration, modification or deletion to these Terms and Conditions which may be made from time to time by the Lender and of which notice may be given to in writing or such other method that the Lender shall adopt and use to communicate with you shall be binding upon you as fully as if the same were contained in these Terms and conditions.
5.12. You hereby undertake to notify the Lender immediately of any situation circumstance or event, which materially changes the provision, use, operation and management of the Loan, Services or your access to the Just Cash® System.
 
6. REPAYMENTS
 
6.1. The Customer shall pay the Mobile Loan together with the Credit Charge to the Lender with equated monthly repayments or instalments by way of cleared funds on each Repayment Date.
6.2. All payments made by the Customer and received by the Lender in respect of the Mobile Loan shall be credited and receipted towards payment of the Mobile Loan only when such payments shall be received in cleared funds.
6.3. If the Lender holds any money or you have a credit balance with the Lender at any time as a result of overpayment of your Loan, you may issue a Request to the Lender for payment of such credit balance and the Lender will return any such balance to you, less any applicable fees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Provider.
6.4. You shall make payments due from you to the Lender in respect of the Loan on the Repayment Date using ‘Lipa Na MPESA’ service ONLY to the Lipa Na MPESA PayBill Number 101400 unless otherwise agreed and advised by the Lender in its discretion.
6.5. If you do not pay the Loan on the Repayment Date the Lender shall automatically charge a Late Repayment Charge.
 
7. FEES, COMMISSIONS, CHARGES, COSTS, EXPENSES AND INSURANCE
 
7.1. The Customer shall indemnify the Lender forthwith upon demand for any costs, expenses, charges and or fees incurred by the Lender in taking any steps to obtain payment of monies due and owing to the Lender under this Agreement including costs of an advocate, auctioneer, court process server or any other agent appointed by the Lender to collect such monies that are due and owing from the Customer;
7.2. The Customer shall indemnify the Lender upon demand for any expenses, costs, fees and or charges that the Lender shall incur for the establishment of any Security that the Lender shall require for the Mobile Loan;
7.3. The Lender shall at its sole discretion procure, get and obtain Credit Life Insurance and P/A Insurance for the Customer for sums and monies lent and advanced to the Customer which the Customer shall repay over periods exceeding one month;
7.4. The Customer expressly consents and gives the Lender the authority to provide their personal information and data to the Insurer for the purposes of procuring and obtaining the Credit Life Insurance and Personal Accident Insurance;
7.5. The Lender shall apply and utilise any funds or remittances received with respect to the Credit Life Insurance towards the full settlement of the Customer’s Mobile Loans;
7.6. The Customer shall forthwith notify the Lender of any circumstance or event that may or shall give rise to claims under the Personal Accident Insurance and Credit Life Insurance;
7.7. The Lender shall pay and release any funds or remittances received with respect to the Personal Accident Insurance to the Customer upon receipt of such funds or remittances from the Insurer and provision of all the documents and information required from the Customer;
7.8. The Lender may effect payment of all fees, expenses and other sums due and payable by the Customer under the above clauses out of, and by deduction from, the Mobile Loan.
 
8. CREDIT REFERENCE BUREAUS
 
8.1. You hereby expressly authorise the Lender to solicit, query, search, conduct, carry out and perform credit checks with, and/or obtain the Customer’s credit information, or such other information, from any or all licensed Credit Reference Bureaus, with respect to this Agreement, and/or the Lender maintaining a Loan for you.
8.2. You hereby expressly consent, allow and authorise the Lender to disclose, advise, exchange and communicate the details pertaining to your Loan to Credit Reference Bureaus (CRBs) and other Credit Providers.
8.3. You authorise the Lender to obtain any information that it may require relating to the Loan from credit providers, and from any other source to which the Lender may apply, each source being hereby authorised by you to provide the Lender with such information.
 
9. EXCLUSION OF LIABILITY
 
9.1. The Lender will endeavour to do its utmost to ensure that there are no delays or failures in offering the Loan. However, the Lender shall not be liable for any loss suffered by you due to, as a result of, or in connection with failures that may arise as a result of inefficiencies caused by the Mobile Network Operators or which are occasioned by strikes, riots or civil unrest, breakages, fire, unforeseen commercial delays, acts of God or permission requirements or licences that are required from Mobile Network Operators.
 
10. TERMINATION
 
10.1. The Lender shall not be obliged to advance the Loan or, where the Loan has been advanced, may demand immediate payment of all amounts owed under this Agreement in the event that:
10.1.1. You fail to pay any sum payable hereunder on the Repayment Date.
10.1.2. You fail to perform and/or observe any of your obligations under the Agreement.
10.1.3. The Lender has reason to believe that you are likely to become insolvent or have committed an act of bankruptcy.
10.2. The Lender shall at any time, upon notice to you, terminate or vary its business relationship with you and cease to offer you the Services and in particular but without prejudice to the generality of the foregoing the Lender may cancel the Credit Limit which it has granted and require the repayment of outstanding debts resulting from such credits within such time as the Lender may determine.
10.3. Without prejudice to the Lender’s rights under clause 10.1, the Lender may at its sole discretion suspend or close your access to the Services and the Just Cash® System where:
10.3.1. if you use the Just Cash® System for unauthorised purposes or where the Lender detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;
10.3.2. if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason;
10.3.3. the Lender is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority;
10.3.4. the Lender reasonably suspects or believes that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so;
10.3.5. such a suspension, closure or termination is necessary as a consequence of technical problems or for reasons of safety; to facilitate update or upgrade the contents or functionality of the Services from time to time;
10.3.6. you have in the opinion of the Lender become inactive or dormant in the use of the Just Cash® System or the Services;
10.3.7. the Lender decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as it may determine in its absolute discretion; or
10.4. Termination shall however not affect any accrued rights and liabilities of either party.
10.5. If the Lender receives notice of your demise, the Lender will not be obliged to allow any operation or access to the Services or accept Requests by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives duly appointed by a court of competent jurisdiction.
 
11. INDEMNITY
 
11.1. In consideration of the Lender complying with your instructions or Requests in relation to providing the Services, you undertake to indemnify the Lender and hold it harmless against any loss, charge, damage, expense, fee or claim which the Lender suffers or incurs or sustains thereby and you absolve the Lender from all liability for loss or damage which you may sustain from the Lender acting on your instructions or requests or in accordance with these Terms and Conditions.
11.2. The indemnity in clause 9.1 shall also cover the following:
11.2.1. All demands, claims, actions, losses and damages of whatever nature which may be brought against the Lender or which it may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond the Lender’s control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by the Lender.
11.2.2. Any loss or damage that may arise from your use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs.
11.2.3. Any unauthorised access to your Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment.
11.2.4. Any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by the Lender as a consequence of any breach by these Terms and Conditions.
11.2.5. Any damages and costs payable to the Lender in respect of any claims against the Lender for recompense for loss where the particular circumstance is within your control.
 
12. NOTICES AND COMMUNICATION
 
12.1. The Lender shall send information and communication concerning the use and/or access of the Service via Short Messaging Service (SMS) or writing to you through your mobile phone registered on the System.
12.2. You acknowledge, accept and confirm that you have no claim against the Lender for damages resulting from losses, delays, misunderstandings, mutilations, duplications or any other irregularities due to transmission of any communication information pertaining to use of the Service.
12.3. All notices made by the Customer to the Lender shall be in writing.
 
13. GOVERNING LAW
 
13.1. This Agreement shall be governed by the laws of Kenya.
 
14. COMMUNICATION
 
14.1. The Customer can raise or lodge a complaint, dispute or claim in person, in writing, by post, fax, email through the following channels:
 
Email: complaintsresolution@fincredit.co.ke
Telephone: 0709000390 – 0709000399
Postal Mail: P.O. Box 101267 – 00101 Nairobi
Office: TRIFIC SEZ, Two Rivers Mall, Nairobi
 
15. ENTIRE AGREEMENT
 
15.1. This Agreement constitutes the entire understanding between the Parties relating to the subject matter herein unless any representation or warranty made about this Agreement was made fraudulently and, save as may be expressly referred to or referenced herein, supersedes all prior representations, writings, promises, arrangement, correspondence negotiations or understandings whether oral or written, of any Party to this Agreement.
 
16. GENERAL
 
16.1. No indulgence by the Lender in respect of any of its rights hereunder will operate as a waiver of its said rights nor will it constitute a novation thereof.
16.2. The Customer acknowledges that no representations or inducements to enter this Agreement have been made whether orally or otherwise other than those specifically referred to herein.
16.3. No failure on the part of any party to exercise, or delay on its part in exercising, any right, power or remedy provided by this Agreement or by law shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any further or other exercise of that, or any other, right, power or remedy.
16.4. If any provision or part of a provision of this Agreement shall be, or be found by any court of competent jurisdiction to be, invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of this Agreement, all of which shall remain in full force and effect.
 

SCHEDULE A: PRODUCTS AND SERVICES
 

Service or Facility
Administration Fees

Salary Advance
10% per month

One Month Loan
10% per month

Three Months Loan
5% per month

Six Months Loan
5% per month

12 Months Loan
5% per month

#### Pension Loans
LoansPension LoansWe have entered into a partnership with the Kenya Post Office Savings Bank (“Postbank”) bank to offer valuable products to its clientele. Retirees receiving their monthly pension remittances can access credit facilities to meet their personal needs.
The instant loans are accessible 24/7 and the installments are conveniently deducted from your monthly pension. The facility is accessible through our USSD *424# upon filling a simple one page registration form and accepting our terms and conditions. The form is available from your nearest Postbank branch.
Requirements 

KRA PIN and copy of ID
Loan application form

Pension Loans Application Form 

 

	
		
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#### Personal Information Request
Personal Information RequestFincredit respects your privacy and complies with the regulations under the Data Protection Act. You may use the form below to request access to, amendment of, or deletion of any personal information we hold about you. Our team will review it and respond within 7 working days.

 

	
		
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#### PostBank Mobile Loans Terms & Conditions
TERMS AND CONDITIONS FOR THE APPLICATION AND USE OF THE JUST CASH ® MOBILE LOAN SERVICE (POSTBANK LOAN)
 
 
This Agreement is a financial services agreement between you (“Customer” or “you”) and Fincredit SEZ Limited (“Fincredit”), a limited liability company duly incorporated under the laws of the Republic of Kenya with a company registration number C.89797 (“Fincredit”, “us” or “we”, “Lender”) and having its principal place of business at Two Rivers Mall, Two Rivers International Finance & Innovation Centre, 2nd Floor North Tower, Limuru Road, and of P.O. Box 101267-00101 Nairobi Kenya, for the Just Cash® Mobile Loans USSD Service (*424#), and the associated Services (defined below).
This Agreement (together with our Data Processing Terms and Conditions) sets out the complete terms and conditions (the “Terms and Conditions”) which shall be applicable to the Account (as hereinafter defined) opened by you with Fincredit.
These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.
You have the right to seek independent legal counsel in order to fully understand the implications and potential consequences of agreeing to these Terms and Conditions prior to using any of the Services or confirming the intended use of the Services.
 
1. DEFINITIONS
 
In this Agreement
 
1.1. “Account” means a Bank account held and operated by the Customer with PostBank and the Customer has sole access
1.2. “Credit Charge” means a monthly fixed rate on the Mobile Loan determined by the Lender and charged on the Mobile Loan payable by the Customer to the Lender together with the Mobile Loan;
1.3. “Credit Life Insurance” means an insurance cover the Lender shall place with an Insurer for the Borrower with respect to and cover suck risks as death and permanent or total disability that may affect the Borrower during the tenure of the Loan;
1.4. “Credit Limit” means the maximum approved amount that a Customer can borrow through and on the Just Cash® Mobile Loans System;
1.5. “Credit Reference Bureau” means a credit reference bureau duly licensed and registered under the Credit Reference Bureau Regulations 2020 to inter alia, collect and facilitate the sharing of Customer credit information;
1.6. “Customer” means a person who is registered in the Lender’s System with valid identification details and a registered mobile phone number and has duly accepted without exclusion to these Terms and Conditions and shall include their personal representatives, heirs, assignees or successors in Title;
1.7. “IPRS” means the Integrated Population Registration System, a service provided electronically by the Government of Kenya to enable organisations or institutions to validate and perform Know Your Customer through the Customers national identity card number provided during registration;
1.8. “Mobile Loan” or “Facility” means a Loan which the Customer requests from the Lender through their registered and recognised Mobile Phone Number on the System and disbursed electronically by the Lender to the Customer to an Account held and operated with the PostBank upon a Customer’s request.
1.9. “PIN” means the personal identification number (PIN) or password comprising of 4 numerical digits provided and communicated to the Customer by way of Short Messaging Service (SMS) granting the Customer access to and use of the Service;
1.10. “Personal Accident Insurance” means and refers to a Personal Accident and Funeral Cover insurance that the Lender shall place with an Insurer with respect to and cover such accidental risks agreed between the Lender and the Insurer that may or shall affect the Customer during the tenure of the Mobile Loan;
1.11. “PostBank” means Kenya Post Office Savings Bank incorporated in Kenya under the Kenya Post Office Savings Bank Act (Chapter 493B of the Laws of Kenya) and having its principal place of business at Postbank House, 16th Banda Street, and of P.O. Box 30311-00100 Nairobi Kenya;
1.12. “Repayment Date” means the day or days that the Mobile Loan shall be due for repayment not exceeding thirty (30) calendar days from the date of drawdown of the Mobile Loan;
1.13. “Request” means a request or instruction received by the Lender from you or purportedly from you through a Mobile Operator Network and the System and upon which the Lender is authorized to act;
1.14. “Service” means and shall include any form of advance, charge, fee, loan, action, information, communication, and or data that the Lender may offer, charge, lend, advance, grant, and or allow to the
1.15. Customer pursuant to this Agreement as shall be subscribed, requested, sought, and or asked by the Customer from time to time and “Services” shall be construed accordingly;
1.16. “Just Cash® System” or “System” means the Lenders electronic lending and communication software enabling the Customer to communicate with the Lender for the purpose of accessing the Facility and Services;
1.17. The word “Customer” shall include the masculine and the feminine gender as well as juristic persons;
1.18. The word “party” or “parties” shall mean the Borrower or the Lender or Both;
1.19. Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
1.20. “You” or “your” means the Customer and includes your personal representatives’, assignees successors or heirs in Title;
1.21. Reference to the masculine gender shall include reference to the female gender and vice versa;
1.22. “writing”, and any cognate expression, includes a reference to any communication effected by electronic or facsimile transmission or similar means;
1.23. Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.
 
2. ACCEPTANCE OF THE TERMS AND CONDITIONS:
 
2.1. Before using, applying, utilising, querying or accessing the System and Service you should carefully read and understand these Terms and Conditions which will govern the provision, use, operation and management of the System and Services.
2.2. If you do not agree with these Terms and Conditions, please confirm your rejection of the acceptance of these Terms and Conditions by failing to provide your National Identification Number to the System.
2.3. You will be deemed to have read, understood, accepted and agreed to be bound to these Terms and Conditions:-
2.3.1. upon replying with your National Identification Number through the System requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or
2.3.2. by using or continuing to use and operate the Service
2.4. By using and applying to access the Service with the Lender you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation, use and access of the Service and you affirm that these Terms and Conditions herein are without prejudice to any right that the Lender may have with respect to the Service in law or otherwise.
2.5. You acknowledge and accept that the Lender shall avail and offer the Service only by electronic means via the System.
2.6. You hereby agree and authorize the Lender to obtain, procure, get, verify, and or validate your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Lender.
2.7. You hereby agree and authorize the Lender to obtain, procure, get, verify and or validate your Mobile Number related information held by any Mobile Network operator licenced to operator within the Republic of Kenya and further agree and consent to the disclosure and provision of such Mobile Number related information by the Mobile Network Operator to the Lender.
2.8. The Lender reserves the right to vary these Terms and Conditions from time to time upon seeking and obtaining approval to vary such terms from the relevant authority regulating the Lender, where applicable, and upon issuing a notice to You by way of Short Messaging Service (SMS) or such other means as contained in these Term and Conditions.
 
3. PERSONAL INFORMATION
 
3.1. You hereby agree and authorise the Lender to collect, store and verify information provided by You to the Lender in relation to your Loan and pursuant to the agreement between you and the Lender for the provision of its products and services.
3.2. The information that the Lender may collect, store and verify includes (without limitation): your phone number, name, date of birth, Identification Number (“ID”) or Passport Number, financial information, postal address and any other such other information that will enable the Lender to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”).
3.3. By accepting these terms and conditions you hereby provide express and informed consent to the Lender to collect, store, process, and disclose your personal information for the specified, explicit, and legitimate purposes necessary for:
3.3.1. Opening, managing, and servicing a loan account and the provision of the premium financing and such other services requested by You;
3.3.2. Verifying your identity and conducting Know-Your-Customer (KYC) and due diligence checks as required by law.
3.3.3. Processing transactions and communicating with me/us regarding the premium financing and such other services requested by You;
3.3.4. Complying with legal and regulatory obligations, including reporting to the Office of the Data Protection Commissioner, Credit Reference Bureaus and other relevant regulatory bodies.
3.4. You acknowledge that failure to provide this consent will make it impossible for the Lender to establish or continue the provide the Mobile Loan or services to you.
3.5. You have the right to access your information held by the Lender and request for the correction or alteration of such information and can request for the presentation of the data or information in such format that may be available from the Lender.
3.6. The Lender utilises and uses services to store the personal information in Cloud environment and other storage location or places that may be outside Kenya. The lender has put in place measures and controls to ensure that your Personal Information is safe and secure. You hereby consent to the storage of your personal Information in locations identified by the Lender whether within or outside Kenya.
3.7. You hereby acknowledge and confirm that you have been notified by the Lender that you have the right to withdraw your consent at any time for any processing activity based on your consent, provided that this withdrawal will and does not affect the lawfulness of processing carried out before the withdrawal. The withdrawal will be effective thirty (30) days of issuance and receipt of your withdrawal request by the Lender.
 
4. FACILITY AND ADVANCES
 
4.1. The Customer acknowledges that the Lender shall appraise his or her Mobile Loan according to the Lender’s loan appraisal and vetting processes and that the Lender reserves the right, at its sole discretion, and without assigning any reason to approve or decline your application for a Mobile Loan.
4.2. Subject to approval of the Mobile Loan requested or sought by you, the Lender shall lend and disburse to you an amount to be determined by the Lender in its sole discretion subject to a minimum amount of Kenya Shillings Five Hundred only (KShs 500.00/=) and a maximum amount Kenya Shillings Five Hundred Thousand only (KShs 500,000.00/=) or the Credit Limit.
4.3. The Customer acknowledges, consents and authorises the Lender to utilise the proceeds of the Mobile Loan to pay and settle any amounts, advances, loans and Mobile Loans due and outstanding from the Customer.
4.4. The proceeds of the Mobile Loan shall be credited into your Account subject to any deductions on account of applicable Credit Charge, fees, expenses, taxes and or duties.
4.5. In consideration of the Lender granting you the Mobile Loan, you shall pay a Credit Charge as may be determined by the Lender which shall be paid together with the Mobile Loan on the Repayment Date.
4.6. You shall pay to the Lender any charges, fees, expenses, taxes, duties, impositions and expenses incurred by the Lender in complying with your Mobile Loan request.
4.7. You hereby expressly give consent to PostBank to recover all monies due from you that you will not have settled on the Repayment Date from your Account in the first instance or from any other source of your income or assets.
4.8. The Lender reserves the right to vary the terms of the Mobile Loan including the credit charge and or fees payable thereon from time to time in accordance with Clause 2.8 and 2.9 of these Terms and Conditions.
4.9. The Customer agrees that the Lender shall provide various Services defined in Schedule A of these Terms and Conditions with varying fees, charges, expenses and amounts which the Lender shall provide, avail and grant access to you at its sole discretion.
4.10. The Lender grants the Mobile Loan or part thereof to the Customer subject to:
4.10.1. the availability of funds;
4.10.2. there being no change in applicable law or regulation or existing requirements of, or new requirements being imposed by any governmental, fiscal, monetary, regulatory or other authority the result of which in the sole opinion of the Lender is to increase the cost to the Lender of funding, maintaining or making available the Service (or any undrawn amount thereof);
4.10.3. no Event of Default having occurred and no event having occurred which, with the giving of notice and/or lapse of time and/or upon the Lender making the relevant determination, would constitute an Event of Default; and
4.10.4. The Customer’s compliance with these Terms and Conditions.
4.10.5. the Conditions Precedent being met/complied with (unless expressly waived by the Lender in writing);
4.10.6. The Borrowers’ express consent to the Lender to collect, receive, store and process the Personal Information of the Borrower;
 
5. REPAYMENTS
 
5.1. The Customer shall pay the Mobile Loan together with the Credit Charge to the Lender with equated monthly repayments or instalments by way of cleared funds on each Repayment Date.
5.2. The Customer consents and hereby grants and gives authority to PostBank to deduct any or all sums due and owing to the Lender for the Mobile Loan from his Account unless otherwise agreed and advised by the Lender in its sole discretion.
5.3. All payments made by the Customer and received by the Lender in respect of the Mobile Loan shall be credited and receipted towards payment of the Mobile Loan only when such payments shall be received in cleared funds.
 
6. FEES, COMMISSIONS, CHARGES, COSTS, EXPENSES AND INSURANCE
 
6.1. The Customer shall indemnify the Lender forthwith upon demand for any costs, expenses, charges and or fees incurred by the Lender in taking any steps to obtain payment of monies due and owing to the Lender under this Agreement including costs of an advocate, auctioneer, court process server or any other agent appointed by the Lender to collect such monies that are due and owing from the Customer;
6.2. The Customer shall indemnify the Lender upon demand for any expenses, costs, fees and or charges that the Lender shall incur for the establishment of any Security that the Lender shall require for the Mobile Loan;
6.3. The Lender shall at its sole discretion procure, get and obtain Credit Life Insurance and Personal Accident Insurance for the Customer for sums and monies lent and advanced to the Customer which the Customer shall repay over periods exceeding one month;
6.4. The Customer expressly consents and gives the Lender the authority to provide their personal information and data to the Insurer for the purposes of procuring and obtaining the Credit Life Insurance and Personal Accident Insurance;
6.5. The Lender shall apply and utilise any funds or remittances received with respect to the Credit Life Insurance towards the full settlement of the Customer’s Mobile Loans;
6.6. The Customer shall forthwith notify the Lender of any circumstance or event that may or shall give rise to claims under the Personal Accident Insurance and Credit Life Insurance;
6.7. The Lender shall pay and release any funds or remittances received with respect to the Personal Accident Insurance to the Customer upon receipt of such funds or remittances from the Insurer and provision of all the documents and information required from the Customer;
6.8. The Lender may effect payment of all fees, expenses and other sums due and payable by the Customer under the above clauses out of, and by deduction from, the Mobile Loan.
 
7. CUSTOMER’S RESPONSIBILITIES AND OBLIGATIONS
 
7.1. The Customer shall:
7.1.1. At his own expense provide and maintain in safe and efficient operating order his mobile phone necessary for the purpose of accessing the System and the Services.
7.1.2. Be responsible for charges due to any service provider providing him with connection required and necessary to access the System and Services and the Lender shall not be responsible for losses or delays caused by any such service provider.
7.1.3. Follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by the Lender concerning the use of the System and Services.
7.1.4. Be solely responsible for the safekeeping and proper use of his PIN and keeping it secret and secure. The Lender shall not be liable for any disclosure of the PIN to any third party and you hereby agree to indemnify and hold the Lender harmless from any losses resulting from any use or access of the System or Services resulting from such disclosure.
7.2. The Customer shall take all reasonable precautions to detect any unauthorized use of the System and the Services. To that end, the Customer shall ensure that all communications from the Lender are examined and checked by him or on his behalf as soon as practicable after receipt by him in such a way that any unauthorized use of and access to the System will be detected.
7.3. The Customer shall immediately inform and contact the Lender through its available communication channels in the event that:
7.3.1. He has reason to believe that his PIN is or may be known to any person not authorized to know the same and/or has been compromised; and/or
7.3.2. He has reason to believe that unauthorized use of the Services has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.
7.4. The Customer acknowledges that any failure on his part to follow the recommended security procedures may result in a breach of his confidentiality. In particular, the Customer shall ensure that the Services are not used or Requests are not issued or the relevant functions are not performed by anyone other than a person authorized to do so.
7.5. The Customer warrants and agrees that he shall not at any time operate or use the Services in any manner that may be prejudicial to the Lender.
 
8. CONTINUING SECURITY
 
8.1. The Security (if any) held by the Lender in respect of the Customer’s obligations under this Agreement together with any security held by the Lender in respect of the Customer or which may hereafter be held will secure all monies and liabilities which shall from time to time be due and owing or incurred to the Lender by the Customer whether actually or contingently.
8.2. If there is any conflict between these Terms and Conditions and a subsequent Charge or Mortgage or other Security the provisions of that subsequent Security shall prevail.
 
9. EVENTS OF DEFAULT
 
9.1. The Lender shall not be obliged to advance the Loan or, where the Loan has been advanced, may by written notice to the Borrower terminate its obligations under this Agreement and or demand immediate payment of all the amounts outstanding due and owed under this Agreement together with accrued interest and all other amounts due and the Borrower will comply with such demand forthwith in the event that:
9.1.1. The Borrower fails to pay any sum payable hereunder on its due date for payment.
9.1.2. The Borrower fails to perform and observe any of its obligations under the Agreement.
9.1.3. The Lender has reason to believe that the Borrower or any of them is, or are likely to become insolvent or have committed an act of bankruptcy.
9.1.4. If any circumstances arise which in the opinion of the Lender have or may have a material adverse effect on the Borrower’s ability to perform its obligations under this Agreement.
9.1.5. The Borrower admits in writing its inability to pay or shall become unable to pay its debts generally as they fall due, or become bankrupt or insolvent, or file any petition or action for relief under any bankruptcy, re-organisation or insolvency law.
9.1.6. The Borrower expressly withdraws its consent to the processing of the Personal Information
9.1.7. Any of the Borrower’s indebtedness is not paid on its Repayment date or becomes due prior to its stated maturity or any guarantee given by the Borrower is not honoured when due or called upon.
 
10. CREDIT REFERENCE BUREAUS
 
10.1. The Customer hereby expressly authorises the Lender to solicit, query, search, conduct, carry out and perform credit checks with, and/or obtain the Customer’s credit information, or such other information, from any or all licensed Credit Reference Bureaus, with respect to this Agreement, and/or the Lender maintaining a Mobile Loan for the Customer.
10.2. The Customer hereby expressly consents, allows and authorises the Lender to disclose, advise, exchange and communicate the details pertaining to the Customer’s Mobile Loans to Credit Reference Bureaus (CRBs) and other Credit Providers.
10.3. The Customer authorises the Lender to obtain any information that it may require relating to the Mobile Loan from credit providers, and from any other source to which the Lender may apply, each source being hereby authorised by you to provide the Lender with such information.
10.4. The Customer hereby undertakes to notify the Lender immediately of any situation, event, occurrence and/or circumstance, which materially changes the provision, use, operation and management of the Mobile Loan or Service.
 
11. EXCLUSION OF LIABILITY
 
11.1. The Lender will endeavour to do its utmost to ensure that there are no delays or failures in offering the Mobile Loan. However, the Lender shall not be liable for any loss suffered by you due to, as a result of, or in connection with failures that may arise as a result of inefficiencies caused by the Mobile Phone Network providers or which are occasioned by strikes, riots or civil unrest, breakages, fire, unforeseen commercial delays, acts of God or permission requirements or licences that are required from Mobile Phone Network Providers.
11.2. You hereby expressly consent to waive any claim against the Lender for delays or failures to offer the Services due to any or all of the causes and events mentioned in 10.1 above.
 
12. TERMINATION
 
12.1. The Lender may at any time, upon notice to you, terminate or vary its provision of the Services to you and in particular, but without prejudice to the generality of the foregoing, the Lender may cancel the Credit Limit which it has granted and require the repayment of outstanding Mobile Loans resulting therefrom within such time as the Lender may determine.
12.2. Without prejudice to the Lender’s rights, the Lender may at its sole discretion suspend, decline, refuse or reject your Request or close and suspend your access to the System and Services:
12.2.1. If you use the System or Service for unauthorized purposes or where the Lender detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;
12.2.2. If your Account or agreement with the PostBank is terminated, frozen, cancelled, closed and/or suspended for whatever reason;
12.2.3. If the Lender is required or requested to comply with an order or instruction of, or a recommendation from, the government, court, regulator or other competent authority;
12.2.4. If the Lender reasonably suspects or believes that you are in breach of these Terms and Conditions (including non-payment of any Mobile Loan amount due from you where applicable);
12.2.5. Where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety;
12.2.6. To facilitate update or upgrade to the contents or functionality of the System or Services from time to time;
12.2.7. Where you remain inactive for any period of time determined by the Lender in its reasonable discretion; or
12.2.8. If the Lender decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as it may determine in its absolute discretion.
12.2.9. If you have had a current or past listing with Credit Reference Bureau for a Non- performing account with any institution.
12.3. Termination shall however not affect any accrued rights and liabilities of either party.
 
13. DISPUTE RESOLUTION
 
13.1. Any dispute arising out of or relating to this Agreement, or the breach, termination or validity thereof (a Dispute) will be settled in accordance with the procedures set forth herein.
13.2. Disputes
13.2.1. The Parties shall use their good faith efforts to resolve any Dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with this Agreement. To this end, the Parties in dispute shall each promptly appoint representatives of appropriate standing who shall meet and attempt to resolve any Dispute between them. In the event that an amicable settlement has not been reached within thirty (30) days of the parties’ representatives meeting as aforesaid, the following provisions of this clause 11.2 shall apply.
13.3. Resolution
13.3.1. If any dispute arises out of or relating to this agreement, the parties will first attempt to settle it by mediation, in accordance with the procedures of the Dispute Resolution Centre or other procedures. If the dispute is not settled by mediation, it shall be referred to arbitration by a single arbitrator appointed jointly by the parties, and in default of agreement then by the Dispute Resolution Centre, which failing, then the Chairman of the Kenya Branch of the Chartered Institute of Arbitrators (“Institute”).
13.3.2. Such arbitration shall take place in Nairobi and shall be conducted in accordance with the Rules of Arbitration of the Institute.
13.3.3. To the extent permissible by law the determination of the arbitrator shall be final and binding upon the Parties and shall not be subject to any appeal.
13.4. Nothing in this clause 11 shall restrict either Party’s freedom to commence legal proceedings of any nature for the purposes of seeking preliminary injunctive relief or interim or conservatory measures from any court of competent jurisdiction pending the final decision or award of any arbitrator.
 
14. NOTICES AND COMMUNICATION
 
14.1. The Lender shall send information and communication concerning the use and/or access of the Service via Short Messaging Service (SMS) or writing to you through your mobile phone registered on the System.
14.2. You acknowledge, accept and confirm that you have no claim against the Lender for damages resulting from losses, delays, misunderstandings, mutilations, duplications or any other irregularities due to transmission of any communication information pertaining to use of the Service.
14.3. All notices made by the Customer to the Lender shall be in writing.
 
15. GOVERNING LAW
 
15.1. The Application and the Terms and Conditions shall be governed by and construed in accordance with the Laws of Kenya and the parties submit to the non-exclusive jurisdiction of the Kenyan courts.
15.2. Nothing in this clause shall limit the right of the Lender to take proceedings against the Borrower or any Relevant Party in any other court of competent jurisdiction nor shall the taking of proceedings at one or more jurisdictions preclude the taking of proceedings in another jurisdiction whether concurrently or not.
 
16. COMMUNICATION
 
16.1. The Customer can raise or lodge a complaint, dispute or claim in person, in writing, by post, fax, email through the following channels:
 
Email: complaintsresolution@fincredit.co.keTelephone: 0709000390 – 0709000399Postal Mail: P.O. Box 101267 – 00101 NairobiOffice: TRIFIC SEZ, Two Rivers Mall, Nairobi
 
17. MISCELLANEOUS
 
17.1. No indulgence by the Lender in respect of any of its rights hereunder will operate as a waiver of its said rights nor will it constitute a novation thereof.
17.2. The Customer acknowledges that no representations or inducements to enter this Agreement have been made whether orally or otherwise other than those specifically referred to herein.
17.3. No failure on the part of any party to exercise, or delay on its part in exercising, any right, power or remedy provided by this Agreement or by law shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any further or other exercise of that, or any other, right, power or remedy.
17.4. If any provision or part of a provision of this Agreement shall be, or be found by any court of competent jurisdiction to be, invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of this Agreement, all of which shall remain in full force and effect.
I, the Borrower hereunder confirm that I have read, perused and understood the aforesaid terms and conditions to which I have agreed to be bound by without exclusion whatsoever. I also confirm that I have been made aware of and understand my rights under the Data Protection Act, 2019.
 
 

SCHEDULE A: PRODUCTS AND SERVICES
 
The Lender shall offer the following products differentiated by amounts, pricing, charges, fees and expenses to the Customer subject to the Customer being eligible for each product based on the Lenders assessment and at the sole discretion of the Lender to offer each or any of the products to the Customer.
This Schedule forms part of the Terms and Conditions governing the use, access and availability of the System and Services to the Customer from the Lender and shall be read and interpreted alongside the other Terms and Conditions.
 

Product
Tenure (Months)
Minimum Amount (KShs)
Maximum Amount (KShs)
Credit Charge (per month)

One Month
1
500
30,000
4%

Six Months
6
1,000
100,000
4%

One Year
12
5,000
300,000
4%

Two Years
24
5,000
300,000
4%

Three Years
36
5,000
500,000
4%

PostBank Mobile Loans Terms and Conditions

#### Products
At One GlanceOur ProductsFinCredit® offers a wide range of loan products and solutions tailored to meet financial requirements.Find out moreLog book loansThe Fincredit logbook loan product aims to give individuals and businesses access to quick financing. Find out moreFind out moreSalary Check-off LoanOur salary check off loans are tailored to help you meet some long-term commitmentsFind out moreFind out morePension LoansThe instant loans are accessible 24/7 and the installments are conveniently deducted from your monthly pension.Find out moreFind out moreMedical Insurance FinancingWe have partnered with AAR Insurance to offer you access to quality medical insurance. To apply for the serviceFind out more

#### Rosemary Waweru
ProfileRosemary WaweruShe is the Business Manager in charge of Insurance Premium Finance and Pension Loans. She has over 20 years’ experience in Customer Service and Marketing.
Ms. Waweru holds a Bachelor of Commerce Degree in Marketing from Catholic University and is finalizing her Master’s degree in Strategic Management from the same institution. She has also completed her COP from the College of Insurance in Kenya.
She is a member of the Marketing Society of Kenya.

#### Salary Check-off Loan
LoansSalary Check-off LoanWe avail short and long -term credit to clients employed in various organisations and the repayments are made through salary deductions. The organisations have mutual agreements with FinCredit® to recover the installments from the employee's earnings.
This facility allows our customers to invest or meet their needs with the security of their salaries.
Benefits Generally, we shall require the below to support your loan application;

Affordable and competitive pricing.
Fast and efficient loan processing.
Your salary is the security.
No early settlement
Loan top ups and refinancing allowed.

Requirements Generally, we shall require the below to support your loan application;

KRA PIN and copy of ID
Latest 12 months bank statements
Three recent months pay slips
Loan application form

Salary Check-off Application Form 

 

	
		
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#### Team
TeamSeasoned Expertise
Exceptional ResultsWith a combined breadth of expertise and decades of industry experience, our team is well-equipped to manage the ever-changing financial world with accuracy and insight. John KariukiGROUP CEOGeorge NdongaGROUP DIRECTOR FINANCE & ADMINISTRATIONRosemary WaweruBUSINESS MANAGER, IPFAnnah Wanjiku WambuguCUSTOMER SERVICE MANAGERDenis GithukaRISK MANAGERGeoffrey ToywaBUSINESS MANAGER - LOGBOOK & PERSONAL LOANS25+Years Experience15093+Clients Every YearTop 1002014, 2016 and 20199Financial Products

#### Terms and Conditions
The Terms and Conditions were last updated on March 28, 2024
1. Introduction
These Terms and conditions apply to this website and to the transactions related to our products and services. You may be bound by additional contracts related to your relationship with us or any products or services that you receive from us. If any provisions of the additional contracts conflict with any provisions of these Terms, the provisions of these additional contracts will control and prevail.
2. Binding
By registering with, accessing, or otherwise using this website, you hereby agree to be bound by these Terms and conditions set forth below. The mere use of this website implies the knowledge and acceptance of these Terms and conditions. In some particular cases, we can also ask you to explicitly agree.
3. Electronic communication
By using this website or communicating with us by electronic means, you agree and acknowledge that we may communicate with you electronically on our website or by sending an email to you, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement, including but not limited to the requirement that such communications should be in writing.
4. Intellectual property
We or our licensors own and control all of the copyright and other intellectual property rights in the website and the data, information, and other resources displayed by or accessible within the website.
4.1 All the rights are reserved
Unless specific content dictates otherwise, you are not granted a license or any other right under Copyright, Trademark, Patent, or other Intellectual Property Rights. This means that you will not use, copy, reproduce, perform, display, distribute, embed into any electronic medium, alter, reverse engineer, decompile, transfer, download, transmit, monetize, sell, market, or commercialize any resources on this website in any form, without our prior written permission, except and only insofar as otherwise stipulated in regulations of mandatory law (such as the right to quote).
5. Third-party property
Our website may include hyperlinks or other references to other party’s websites. We do not monitor or review the content of other party’s websites which are linked to from this website. Products or services offered by other websites shall be subject to the applicable Terms and Conditions of those third parties. Opinions expressed or material appearing on those websites are not necessarily shared or endorsed by us.
We will not be responsible for any privacy practices or content of these sites. You bear all risks associated with the use of these websites and any related third-party services. We will not accept any responsibility for any loss or damage in whatever manner, however caused, resulting from your disclosure to third parties of personal information.
6. Responsible use
By visiting our website, you agree to use it only for the purposes intended and as permitted by these Terms, any additional contracts with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You must not use our website or services to use, publish or distribute any material which consists of (or is linked to) malicious computer software; use data collected from our website for any direct marketing activity, or conduct any systematic or automated data collection activities on or in relation to our website.
Engaging in any activity that causes, or may cause, damage to the website or that interferes with the performance, availability, or accessibility of the website is strictly prohibited.
7. Idea submission
Do not submit any ideas, inventions, works of authorship, or other information that can be considered your own intellectual property that you would like to present to us unless we have first signed an agreement regarding the intellectual property or a non-disclosure agreement. If you disclose it to us absent such written agreement, you grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.
8. Termination of use
We may, in our sole discretion, at any time modify or discontinue access to, temporarily or permanently, the website or any Service thereon. You agree that we will not be liable to you or any third party for any such modification, suspension or discontinuance of your access to, or use of, the website or any content that you may have shared on the website. You will not be entitled to any compensation or other payment, even if certain features, settings, and/or any Content you have contributed or have come to rely on, are permanently lost. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
9. Warranties and liability
Nothing in this section will limit or exclude any warranty implied by law that it would be unlawful to limit or to exclude. This website and all content on the website are provided on an “as is” and “as available” basis and may include inaccuracies or typographical errors. We expressly disclaim all warranties of any kind, whether express or implied, as to the availability, accuracy, or completeness of the Content. We make no warranty that:

this website or our content will meet your requirements;
this website will be available on an uninterrupted, timely, secure, or error-free basis.

The following provisions of this section will apply to the maximum extent permitted by applicable law and will not limit or exclude our liability in respect of any matter which it would be unlawful or illegal for us to limit or to exclude our liability. In no event will we be liable for any direct or indirect damages (including any damages for loss of profits or revenue, loss or corruption of data, software or database, or loss of or harm to property or data) incurred by you or any third party, arising from your access to, or use of, our website.
Except to the extent any additional contract expressly states otherwise, our maximum liability to you for all damages arising out of or related to the website or any products and services marketed or sold through the website, regardless of the form of legal action that imposes liability (whether in contract, equity, negligence, intended conduct, tort or otherwise) will be limited to the total price that you paid to us to purchase such products or services or use the website. Such limit will apply in the aggregate to all of your claims, actions and causes of action of every kind and nature.
10. Privacy
To access our website and/or services, you may be required to provide certain information about yourself as part of the registration process. You agree that any information you provide will always be accurate, correct, and up to date.
We have developed a policy to address any privacy concerns you may have. For more information, please see our Privacy Statement and our Cookie Policy.
11. Export restrictions / Legal compliance
Access to the website from territories or countries where the Content or purchase of the products or Services sold on the website is illegal is prohibited. You may not use this website in violation of export laws and regulations of Kenya.
12. Assignment
You may not assign, transfer or sub-contract any of your rights and/or obligations under these Terms and conditions, in whole or in part, to any third party without our prior written consent. Any purported assignment in violation of this Section will be null and void.
13. Breaches of these Terms and conditions
Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including temporarily or permanently suspending your access to the website, contacting your internet service provider to request that they block your access to the website, and/or commence legal action against you.
14. Indemnification
You agree to indemnify, defend and hold us harmless, from and against any and all claims, liabilities, damages, losses and expenses, relating to your violation of these Terms and conditions, and applicable laws, including intellectual property rights and privacy rights. You will promptly reimburse us for our damages, losses, costs and expenses relating to or arising out of such claims.
15. Waiver
Failure to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision.
16. Language
These Terms and Conditions will be interpreted and construed exclusively in English. All notices and correspondence will be written exclusively in that language.
17. Entire agreement
These Terms and Conditions, together with our privacy statement and cookie policy, constitute the entire agreement between you and Fincredit Limited in relation to your use of this website.
18. Updating of these Terms and conditions
We may update these Terms and Conditions from time to time. The date provided at the beginning of these Terms and Conditions is the latest revision date. We will give you a written notice of any changes or updates, and the revised Terms and Conditions will become effective from the date that we give you such a notice. Your continued use of this website following the posting of changes or updates will be considered notice of your acceptance to abide by and be bound by these Terms and Conditions. To request a prior version of these Terms and conditions, please contact us.
19. Choice of Law and Jurisdiction
These Terms and Conditions shall be governed by the laws of Kenya. Any disputes relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of Kenya. If any part or provision of these Terms and Conditions is found by a court or other authority to be invalid and/or unenforceable under applicable law, such part or provision will be modified, deleted and/or enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions. The other provisions will not be affected.
20. Contact information
This website is owned and operated by Fincredit Limited.
You may contact us regarding these Terms and Conditions through our contact page.
21. Download
You can also download our Terms and Conditions as a PDF.

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URL: https://fincredit.co.ke/7-4/

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URL: https://fincredit.co.ke/home/aar-insurance/

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#### Data Processing Terms and Conditions
Data Processing Terms and Conditions

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Fredrick as he made a courtesy call to the office

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Form028-Mobile-Loans-Registration-Form

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URL: https://fincredit.co.ke/home/hotpoint/

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URL: https://fincredit.co.ke/logo/

#### logo-addison
URL: https://fincredit.co.ke/logo-addison/

#### logo-alt
URL: https://fincredit.co.ke/logo-alt/

#### logo-applauz
URL: https://fincredit.co.ke/logo-applauz/

#### logo-bello
URL: https://fincredit.co.ke/logo-bello/

#### logo-celeste
URL: https://fincredit.co.ke/logo-celeste/

#### logo-codiqa
URL: https://fincredit.co.ke/logo-codiqa/

#### logo-estato
URL: https://fincredit.co.ke/logo-estato/

#### logo-hotel-berg
URL: https://fincredit.co.ke/logo-hotel-berg/

#### logo-hotel-california
URL: https://fincredit.co.ke/logo-hotel-california/

#### logo-urbanist
URL: https://fincredit.co.ke/logo-urbanist/

#### map-pin
URL: https://fincredit.co.ke/map-pin/

#### Mobile Loans Terms and Conditions
Mobile Loans Terms and Conditions

#### Mobile Loans Terms and Conditions 2022
Mobile Loans Terms and Conditions 2022

#### Mr-Denis-Githuka
URL: https://fincredit.co.ke/team/mr-denis-githuka/

#### Mr-George-Ndonga
URL: https://fincredit.co.ke/home/mr-george-ndonga/

#### Mr-John-Kariuki
URL: https://fincredit.co.ke/home/mr-john-kariuki/

#### mt-sample-background
URL: https://fincredit.co.ke/mt-sample-background/

#### Pension Loans
URL: https://fincredit.co.ke/products/fincredit-pension-loan/

#### Peter Bright
URL: https://fincredit.co.ke/img-people-04-2/

#### postbank
URL: https://fincredit.co.ke/home/postbank/

#### PostBank
URL: https://fincredit.co.ke/home/postbank-2/

#### PostBank Mobile Loans Terms and Conditions
PostBank Mobile Loans Terms and Conditions

#### PostBank Mobile Loans Terms and Conditions
PostBank Mobile Loans Terms and Conditions

#### PostBank Mobile Loans Terms and Conditions
PostBank Mobile Loans Terms and Conditions

#### PostBank-Mobile-Loans-Terms-and-Conditions
PostBank-Mobile-Loans-Terms-and-Conditions

#### Priscilla Matthews
URL: https://fincredit.co.ke/img-people-03-2/

#### Rosemary-Waweru2
URL: https://fincredit.co.ke/home/rosemary-waweru2/

#### safaricom
URL: https://fincredit.co.ke/home/safaricom/

#### Safaricom
URL: https://fincredit.co.ke/home/safaricom-2/

#### Sanlam
URL: https://fincredit.co.ke/home/sanlam/

#### Sanlam Ltd
URL: https://fincredit.co.ke/home/sanlam-ltd/

#### scholarship1
URL: https://fincredit.co.ke/ceo-of-fincredit-presents-a-scholarship-cheque/scholarship1/

#### shop-01
URL: https://fincredit.co.ke/shop-01/

#### shop-02
URL: https://fincredit.co.ke/shop-02/

#### shop-04
URL: https://fincredit.co.ke/shop-04/

#### shop-05
URL: https://fincredit.co.ke/shop-05/

#### shop-06
URL: https://fincredit.co.ke/shop-06/

#### shop-07
URL: https://fincredit.co.ke/shop-07/

#### shop-08
URL: https://fincredit.co.ke/shop-08/

#### shop-09
URL: https://fincredit.co.ke/shop-09/

#### shop-10
URL: https://fincredit.co.ke/shop-10/

#### shop-12
URL: https://fincredit.co.ke/shop-12/

#### shop-13
URL: https://fincredit.co.ke/shop-13/

#### shop-14
URL: https://fincredit.co.ke/shop-14/

#### shop-15
URL: https://fincredit.co.ke/shop-15/

#### shop-17
URL: https://fincredit.co.ke/shop-17/

#### shop-18
URL: https://fincredit.co.ke/shop-18/

#### shop-19
URL: https://fincredit.co.ke/shop-19/

#### shop-20
URL: https://fincredit.co.ke/shop-20/

#### shop-21
URL: https://fincredit.co.ke/shop-21/

#### shop-22
URL: https://fincredit.co.ke/shop-22/

#### shop-23
URL: https://fincredit.co.ke/shop-23/

#### shop-24
URL: https://fincredit.co.ke/shop-24/

#### shop-25
URL: https://fincredit.co.ke/shop-25/

#### shop-26
URL: https://fincredit.co.ke/shop-26/

#### shop-27
URL: https://fincredit.co.ke/shop-27/

#### slider-011
URL: https://fincredit.co.ke/about-us/slider-011/

#### slider-08
URL: https://fincredit.co.ke/about-us/slider-08/

#### Some-of-AAR-Credits-staff-during-the-Annual-Gala-min
URL: https://fincredit.co.ke/fincredit-gala-award-dinner-held-at-carnivore/some-of-aar-credits-staff-during-the-annual-gala-min/

#### Teaam-building-4-min
URL: https://fincredit.co.ke/gallery/teaam-building-4-min/

#### Team-building-2-min
URL: https://fincredit.co.ke/gallery/team-building-2-min/

#### Team-building-3-min
URL: https://fincredit.co.ke/gallery/team-building-3-min/

#### Team-building-5-min
URL: https://fincredit.co.ke/gallery/team-building-5-min/

#### Team-building-6-min
URL: https://fincredit.co.ke/gallery/team-building-6-min/

#### testimonials
URL: https://fincredit.co.ke/home/testimonials-2/

#### top100
URL: https://fincredit.co.ke/fincredit-is-a-member-of-the-kenya-top-100-mid-sized-companies/top100/

#### wambugu
URL: https://fincredit.co.ke/team/wambugu/

#### woocommerce-placeholder
URL: https://fincredit.co.ke/woocommerce-placeholder/

#### woocommerce-placeholder
URL: https://fincredit.co.ke/woocommerce-placeholder-2/