Privacy Policy

Last updated: June 2026

Dream Credit Limited ("we", "us", "our") is committed to protecting your personal information in compliance with the Kenya Data Protection Act, 2019 and guidance from the Office of the Data Protection Commissioner (ODPC).

Information We Collect

We collect personal information necessary for processing loan applications, including: full name, National ID number, KRA PIN, phone number, email address, employment details, income information, bank and M-Pesa statements, and business registration documents.

How We Use Your Information

Your information is used solely for: processing loan applications, conducting credit assessments, managing your account, communicating about your loan, complying with regulatory requirements including CRB reporting, and improving our services.

Data Protection

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction.

Your Rights

Under the Kenya Data Protection Act, you have the right to: access your personal data, rectify inaccurate data, request deletion of your data (subject to legal retention requirements), object to processing, and data portability. To exercise these rights, contact us at info@dreamcredit.co.ke.

Credit Reference Bureau

By applying for a loan, you consent to us sharing your credit information with licensed Credit Reference Bureaus as required by the Central Bank of Kenya.

Contact

For privacy-related inquiries, contact our Data Protection Officer at info@dreamcredit.co.ke.