Legal
Contents
Section 1
Metro Quick Cash Ltd ("Metro Quick Cash", "we", "our", or "us") is a lending company registered in Nairobi, Kenya. We operate a digital loan platform accessible via our website and Android application, providing financial services to individuals across Kenya, Uganda, Tanzania, Rwanda, Zambia, Botswana, South Africa, the Democratic Republic of Congo and Malawi.
This Privacy Policy explains what personal information we collect from you when you use our services, how we use and protect that information, and what rights you have in relation to it. By creating an account with Metro Quick Cash or using our platform, you agree to the practices described in this policy.
We do not share your information with Credit Reference Bureaus (CRB) or use CRB data to assess your loan eligibility. Your loan assessment is based solely on the information you provide to us directly.
Section 2
When you register an account, we collect your full legal name, date of birth, national identification number or passport number, gender, residential address, email address and phone number.
To determine your loan eligibility, we collect your employer's name and address, your job title, your monthly net income, the length of your current employment and your payslip or proof of income where required.
We collect the full name, phone number, relationship to you and residential address of at least one next of kin contact. This information is used for loan-related communications and recovery purposes only.
We collect your preferred bank account or mobile money details for loan disbursement and repayment. We do not store full card numbers or sensitive payment credentials on our systems.
If you join a community group, we record your group membership, weekly contribution history and group standing.
When you access our platform, we may automatically collect your device type, operating system, IP address, browser type, pages visited and the time and duration of your visits. This helps us improve our services and detect fraudulent activity.
Section 3
We use the information we collect for the following purposes:
We will not use your information for purposes other than those listed above without your explicit consent.
Section 4
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
We work with third-party service providers who help us operate our platform, including cloud hosting providers, payment processors, SMS and email delivery services, and analytics tools. These providers access your information only to perform services on our behalf and are bound by confidentiality obligations.
We may disclose your information to government authorities, regulators or law enforcement agencies where required by applicable law in Kenya or any other country in which we operate.
In the event of a loan default, we may share your information with authorised debt recovery agents operating within the applicable legal framework. We will notify you before initiating any debt recovery process.
If Metro Quick Cash is involved in a merger, acquisition or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.
Section 5
We take the security of your personal information seriously. We implement appropriate technical and organisational measures to protect your data against unauthorised access, loss, destruction or alteration. These measures include encryption of data in transit and at rest, access controls, regular security assessments and staff training on data protection.
Despite these measures, no system is entirely immune from risk. We cannot guarantee absolute security and you use our platform at your own risk. If you suspect any unauthorised access to your account, contact us immediately at support@metroquickcash.online.
Section 6
We retain your personal information for as long as your account is active or as needed to provide our services. After you close your account, we may retain certain information for a period of up to seven years to comply with legal obligations, resolve disputes and enforce our agreements. Financial transaction records are retained as required by applicable financial regulations in each country we operate in.
Section 7
Depending on your country of residence, you may have the following rights regarding your personal information:
To exercise any of these rights, contact us at support@metroquickcash.online. We will respond to your request within 30 days.
Section 8
Our website uses cookies and similar technologies to improve your browsing experience, remember your preferences and analyse how visitors use our site. We use only essential cookies required for the website to function and analytics cookies to understand usage patterns. We do not use advertising or tracking cookies.
You may disable cookies through your browser settings. Doing so may affect certain features of our website but will not prevent you from accessing your account through the mobile application.
Section 9
Our services are intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that we have collected information from a minor, we will delete that information immediately. If you believe a minor has registered on our platform, please notify us at support@metroquickcash.online.
Section 10
Metro Quick Cash operates across multiple African countries. When you use our services, your personal information may be processed and stored on servers located in Kenya or other jurisdictions where our service providers operate. We ensure that any cross-border transfer of personal data is conducted in accordance with applicable data protection laws and that appropriate safeguards are in place to protect your information.
Section 11
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will notify you via the email address associated with your account and display a notice on our website and application at least 14 days before the changes take effect. Your continued use of our services after that date constitutes your acceptance of the updated policy.
Section 12
If you have questions, concerns or complaints about this Privacy Policy or how we handle your personal information, please contact us:
Metro Quick Cash Ltd
Nairobi, Kenya
Email: support@metroquickcash.online
Available Monday to Saturday, 8am to 8pm East Africa Time
We will acknowledge your inquiry within 2 business days and respond fully within 30 days.