“You”, “Your” means: customer

The word “includes” means that what follows is not necessarily exhaustive and therefore the examples given are not the only things or situations included in the meaning or explanation of that text.

sacco point will only collect personal data about you in so far as is necessary to achieve the purposes set out in this privacy statement. We collect your personal information with your knowledge and consent with exception to cases where prior consent cannot be obtained for real reasons and the processing of the data is permitted by law.
Personal information collected

• Identification Information:
  • Name
  • Date of Birth
  • National Identity Card/Passport details
• Images:
  • Facial images
  • selfies for authentication purposes and in compliance with legal and regulatory requirements .
• Contact Details:
  • Phone number or email address
  • If provided, sacco point will use this information to contact you. We may also obtain your contact list information to facilitate your transactions.
  • Camera and Images data- We use this data for Know Your Customer (KYC) information for user verification and validation as required by the law.
• Biometric Data:
  • Fingerprints and facial images for authentication purposes and in compliance with legal and regulatory requirements.
• Location Information:
  • To enable us to provide location-based services and aid us in fraudulent activity detection.
• Device Information:
  • Information about the device you use to access the app, including:
    • Device type
    • Operating system
    • IP address
    • The duration for which your session lasted
    • Unique device identifiers

sacco point will collect your personal information when you do any of the following:

• Make an application, buy or use any of our product and/or service or from third parties on our electronic and digital platforms.
• Use any of our product and/or service on a mobile or other device
• Ask sacco point for more information about a product or service or contact sacco point with a query or a complaint;
• When you visit, access sacco point premises;
• Attend an event sponsored by sacco point.
• Make an application to sacco point or interact with us as a supplier, agent or dealer;
• Visit, access or use any of our online platforms/ websites;
• Subscribe to any of our online services, Short Message Service (SMS), email or social media platforms;
• Respond to or participate in a survey, marketing promotion, prize competition or special offer;
• We may also collect your information from other organizations including fraud prevention agencies and government agencies

When we require personal information from you in order to fulfill a statutory or contractual requirement, or where such information is necessary to enter into a contract or is otherwise an obligation, we will inform you and indicate the consequences of failing to do so.

These examples are non-exhaustive, which is reflective of the varied nature of the personal information we may collect.

We collect information from you when you register on our site, fill out a form or enter information on our site.

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website r use certain other site features in the following ways;

sacco point will retain your personal data only for as long as is necessary to achieve the purpose for which they were collected. We may retain your personal data and/or information for a period of up to seven (7) years or as may be required by law and maintains specific records management and retention policies and procedures, so that personal data are deleted after a reasonable time according to the following retention criteria:

• Where we have an ongoing relationship with you.
• To comply with a legal obligation to which it is subject.
• Where retention is advisable to safeguard or improve the sacco point legal position.

sacco point will only contact you for marketing purposes where you have provided us with your consent to do so. Consent will be sought before any such marketing applications commence.

We use vulnerability scanning and/or scanning to PCI standards. We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of people who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits or accesses their information to maintain the safety of your personal information. For your convenience, we may store your personal and crucial information kept for more than 60 days in order to automate the process.
We aim to collect only what we need, keep it up-to-date and remove it when we no longer need it.
We take reasonable steps to ensure that the personal information we process is limited to what we require in connection with the purposes set out in this Policy; it is accurate and, where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time we may ask you to confirm the accuracy of your personal information.
For some of our online services, you can review or update certain account information by logging in and accessing the “Client Center” or a similar user profile section. If you cannot change the incorrect information online, or you prefer to request changes offline, please contact your sacco point age using the contact information listed on your account statements, records, or other account materials.

We may store some information (using "cookies") on your computer when you visit our websites. This enables us to recognize you during subsequent visits. We use cookies for storing and honoring your preferences and settings, enabling you to sign in, providing interest-based advertising, combating fraud, analyzing how our products perform, and fulfilling other legitimate purposes.
We may also use this data in aggregate form to develop customized services - tailored to your individual interests and needs. Should you choose to do so, it is possible (depending on the browser you are using), to be prompted before accepting any cookies, or to prevent your browser from accepting any cookies at all. This will however cause certain features of the web site not to be accessible.

We do not sell, trade or otherwise transfer to outside parties your Personally Identifiable Information.

Occasionally, at our discretion, we may include or offer third-party services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

It's also important to note that we allow third-party behavioral tracking

COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from persons under the age of 18 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not onboard minors (any person under 18 years of age) except where you additionally register on their behalf as their parent and/ or legal guardian. If you allow a child to use our services, you should be aware that their personal information could be collected as described in this statement.

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

From time to time we may need to transfer your personal information outside the Republic of Kenya.

Where we send your information outside Kenya, we will make sure that your information is properly protected in accordance with the applicable Data Protection Laws.

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to send information, respond to inquiries or other requests or questions.

To be in accordance with CANSPAM, we agree to the following:


If at any time you would like to unsubscribe from receiving future emails, you can email us by following the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.

You have the right in the circumstances and under the conditions, and subject to the exceptions, set out in applicable law to:

• Be informed that we are collecting personal data about you.
• Request access to your personal information that we have on record. This right entitles you to know whether sacco point holds personal data of you and, if so, obtain information on and a copy of those personal data.
• Request sacco point to rectify any of your personal data that is incorrect or incomplete.
• Object to and withdraw your consent to processing of your personal data. This right entitles you to request that sacco point no longer processes your personal data. The withdrawal of your consent shall not affect the lawfulness of processing based on prior consent before its withdrawal. We may also continue to process your personal information if we have a legitimate or legal reason to do so.
• Request the erasure of your personal data. This right entitles you to request the erasure of your personal data, including where such personal data would no longer be necessary to achieve the purposes.
• Request the restriction of the processing of your personal data: This right entitles you to request that sacco point only processes your personal data in limited circumstances, including with your consent.
• Request portability of your personal data. This right entitles you to receive a copy (in a structured, commonly used, and machine-readable format) of personal data that you have provided to sacco point, or request sacco point to transmit such personal data to another data controller in an electronic format.

We shall have the right to terminate any agreement with you for failure to comply with the provisions of this statement and reject any application for information contrary to this statement.

sacco point reserves the right to amend or modify this privacy statement from time to time and your continued use of our products and services constitutes your agreement to be bound by the terms of any such amendment or variation.

If there are any questions regarding this privacy policy, you may contact us using the information below;

care@sasapay.co.ke
+254 111 045 400