Privacy Policy

1. Introduction

PesaMarket ("we," "our," or "us") operates pesamarket.com (the "Website"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website and use our financial comparison services.

We are committed to protecting your privacy and ensuring transparency about our data practices. By using PesaMarket, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

When you use our services, you may provide us with:

• Contact information (name, email address, phone number)
• Financial information for loan/credit card comparisons (income, employment status, loan amount needed)
• Demographic information (location, age range)
• Communication preferences

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Referral source (how you found our website)
• Location data (approximate location based on IP address)

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our website (Plausible Analytics)
• Advertising Cookies: Used to display relevant ads (Google AdSense)
• Affiliate Cookies: Track referrals to financial partners

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide and maintain our financial comparison services
• Match you with suitable financial products based on your needs
• Send you product recommendations and updates (with your consent)
• Improve our website and user experience
• Analyze usage patterns and trends
• Prevent fraud and ensure security
• Comply with legal obligations
• Communicate with you about our services

4. Sharing Your Information

4.1 Financial Partners

When you click "Apply Now" on a financial product, we may share your information with our partner banks, lenders, and financial institutions to process your application. This includes:

• Banks (KCB, Equity Bank, Co-operative Bank, etc.)
• Digital lenders (Branch, Tala, etc.)
• Mobile money providers (Safaricom M-Pesa, etc.)

4.2 Service Providers

We work with third-party service providers who assist us in operating our website:

• Analytics providers (Plausible Analytics - privacy-focused, no personal data shared)
• Advertising networks (Google AdSense)
• Hosting providers
• Email service providers (for newsletters and communications)

4.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request.

5. Affiliate Relationships & Advertising

5.1 Affiliate Partnerships

Important Disclosure: PesaMarket participates in affiliate marketing programs. We may receive compensation when you click on links to financial products or submit applications through our website. This compensation does not affect the price you pay or influence our product recommendations.

We maintain editorial independence and only recommend products we believe provide value to our users. Our affiliate partners include banks, digital lenders, and financial service providers in Kenya.

5.2 Display Advertising

We use Google AdSense to display advertisements on our website. Google may use cookies to show ads based on your visits to this site and other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

6. Analytics & Tracking

We use Plausible Analytics, a privacy-friendly analytics tool that:

• Does not use cookies
• Does not collect personal data
• Does not track users across websites
• Is fully compliant with GDPR, CCPA, and PECR
• All data is aggregated and anonymized

We use analytics to understand which products are most popular, how users navigate our site, and how we can improve our services.

7. Data Security

We implement appropriate security measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

• SSL/TLS encryption (HTTPS) for all data transmission
• Secure servers and infrastructure
• Regular security audits and updates
• Access controls and authentication

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy. We will retain and use your information:

• To comply with legal obligations
• To resolve disputes
• To enforce our agreements
• For as long as you use our services

9. Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request transfer of your data to another service
• Objection: Object to processing of your personal data

To exercise these rights, please contact us at privacy@pesamarket.com.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child, we will take steps to delete that information.

11. Third-Party Links

Our website contains links to third-party websites (banks, lenders, financial institutions). We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

12. International Data Transfers

Your information may be transferred to and processed in countries other than Kenya. We ensure that appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable data protection laws.

13. Kenya Data Protection Act Compliance

PesaMarket complies with the Kenya Data Protection Act, 2019. We are committed to protecting the privacy rights of Kenyan citizens and residents. For more information about your rights under the Act, please contact us or visit the Office of the Data Protection Commissioner website.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

16. Your Consent

By using PesaMarket, you consent to our Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our website or services.