Privacy Policy

1. Introduction

Cavari Group Ltd ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services, visit our website, or interact with us in any way.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We collect information when you:

• Apply for loans
• Register for membership
• Contact us for support
• Use our website or services

2.1 Personal Information

• Full name
• Contact information (email address, phone number, physical address)
• National ID or passport information
• Date of birth
• Employment details and income information
• KRA PIN
• Bank account or mobile money account details
• Credit history

2.2 Non-Personal Information

• Browser type and version
• Device information
• IP address
• Operating system
• Pages visited and time spent on our website
• Referral source

3. How We Collect Information

We collect information through:

• Loan applications
• Account registration and updates
• Customer service interactions
• Cookies and similar tracking technologies
• Third-party sources, including credit bureaus
• Website usage and analytics tools

4. How We Use Your Information

We may use your information to:

• Process loan applications and manage accounts
• Verify your identity and assess credit risk
• Communicate with you about your accounts and services
• Provide customer support
• Send promotional communications (with your consent)
• Improve our services and develop new ones
• Detect and prevent fraud or unauthorized activities
• Comply with legal and regulatory requirements

5. Information Sharing and Disclosure

We may share your information with:

• Third-party service providers who assist in our operations
• Credit reference bureaus
• Financial institutions and payment processors
• Legal authorities when required by law
• Professional advisors such as lawyers, accountants, and auditors
• Business partners for joint marketing efforts (with your consent)

We do not sell your personal information to third parties.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, accidental loss, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

8. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access to personal information we hold about you
• Correction of inaccurate or incomplete information
• Deletion of your personal information in certain circumstances
• Restriction of processing of your personal information
• Data portability
• Objection to processing of your personal information
• Withdrawal of consent

To exercise these rights, please contact us using the details provided below.

9. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and customize content. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

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 you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

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

Email: cavarigroup@gmail.com
Phone: +254 745 126 037
Address: Lotus house
Haile Selassie Avenue
Nairobi