Introduction

At Home Capital is committed to protecting the privacy of our clients in Nairobi, Kenya, as we provide SME Financing and Stock Financing. This Privacy Policy outlines how we collect, use, protect, and share your personal data. Since inception, we’ve empowered businesses with 30 million KES disbursed and 5000 loans approved, maintaining transparency in all data practices.

Data We Collect

We collect the following personal and business data to facilitate our financing services:

• Identity Information: Kenyan ID, full name.
• Financial Information: Sales or financial records to assess affordability.
• Contact Information: Phone number, email, business or residential address.
• Business Information: Trade history with distributors (Stock Financing) business location.

Data is collected via our online form at apply loan or through calls to +254 114 534 217 / 249.

How We Use Your Data

Your data is used for the following purposes:

• Eligibility Assessment: Verify eligibility for financing products.
• Loan Processing: Facilitate verification (within 12 hours for new clients) and disbursements (often within an hour for repeat clients).
• Business Support: Provide optional mentorship and financial discipline training.
• Communication: Send updates, repayment reminders, or policy changes via email or phone.

Data Protection

We implement robust security measures to protect your data, including:

• Encryption of sensitive information (e.g., financial records).
• Access controls to limit data handling to authorized personnel only.
• Regular audits to ensure compliance with data protection standards.

We maintain a 97% on-time repayment rate, reflecting our commitment to secure and reliable operations.

Data Sharing

Your data is shared only in the following cases:

• Service Providers: With distributors (Stock Financing) to facilitate purchases.
• Legal Compliance: When required by Kenyan law or regulatory authorities.

We do not sell or share your data for marketing purposes without your consent.

Your Rights

As a client, you have the right to:

• Access your personal data held by At Home Capital.
• Request corrections to inaccurate data.
• Request deletion of your data, subject to legal retention requirements.

Contact us at info@athome.co.ke or +254 114 534 217 / 249 to exercise these rights.

Cookies and Website Tracking

Our website (including apply loan) uses cookies to enhance user experience and track application progress. You can manage cookie preferences via your browser settings. Cookies collect anonymized data, such as page visits, but do not store sensitive personal information.

Contact Us

For privacy-related inquiries or concerns, contact us at:

• Phone: +254 114 534 217 / 249
• Email: info@athomecapital.co.ke
• Address: Salute Flats, Catherine Ndereba Street, Mombasa Road, Nairobi

Compliance and Updates

At Home Capital complies with Kenya’s Data Protection Act 2019 and other relevant regulations. This Privacy Policy may be updated periodically, with changes communicated via email (info@athomecapital.co.ke) or our website. Continued use of our services constitutes acceptance of the updated policy.