TERMS AND CONDITIONS


Key terms of M-Pesa advance: Individuals may apply for and receive an M-Pesa advance through the CRAFT application on their Android smartphone. The maximum credit limit of this advance will vary by the individual borrower's credit score and repayment history, amongst other factors. Fees associated with the advance include non-refundable registration fee,which typically varies between 5-33% of the advance amount per 21-day advance period, as well as any associated telecom network distribution costs which are paid by the borrower directly to the telecom.

Late payment: If a borrower is unable to repay the advance within the period specified in the initial loan offer agreement, the borrower may be granted an interest-free grace period. After that grace period, the loan will be rolled over for a period of at least two weeks in return for an extension fee. Both the extension fee and due date extension period will be determined at the sole discretion of CRAFT

Privacy Policy: We do not share or sell your personal information with any third parties and will not do so without your authorization, except where necessary for servicing and collection of your loan(s).

Last updated:

18 Sept 2017

  1. Privacy Policy 2.CRAFT is committed to protecting and respecting your privacy. Scope of policy This policy together with our end-user licence agreement and any additional terms of use applies to your use of:
  2. CRAFT mobile application software (App) available on our site OR hosted on the Google Play Store (App Site), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device).
  3. Any of the services accessible through the App (Services) those are available on the App Site or other sites of ours (Services Sites).

This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

We may collect and process the following data about you during the application process and sometimes after the application.

Information you give us about you (Submitted information):

  1. provided by filling in forms in the App or on the App Site (together Our Sites);
  2. provided by corresponding with us (for example, by e-mail or chat);

Including information you provide when you register to use the App Site, download or register an App, subscribe to any of our Services (such as applying for a loan), search for an App or Service, share data via an App's social media functions, enter a competition, promotion or survey, and when you report a problem with an App, our Services, or any of our Sites; and including your name, address, e-mail address and phone number, the Device's phone number, SIM card, age, username, password and other registration information, financial and credit information, personal description and ID photograph.

Information we collect about you and your device. Each time you visit one of our Sites or use one of our Apps we may collect the following information:

Technical information, including the type of mobile device you use, unique device identifiers (for example, your Device's IMEI or serial number), information about the SIM card used by the Device, mobile network information, your device operating system, the type of browser you use, or your Device's location and time zone setting (Device Information);

details of your use of any of our Apps or your visits to any of Our Sites including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).

Information stored on your Device, including contact lists, call logs, SMS logs, contact lists from other social media accounts, photos, videos or other digital content (Content Information);

Location information. We may also use GPS technology OR other location services to determine your current location. You can withdraw your consent at any time by uninstalling the app from your Device.

Information we receive from other sources (Third Party Information). We reserve the right to work with a limited number of third parties (including credit reference agencies, mobile network providers, and collection agencies) and may receive information about you from them.

Unique application numbers. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

Read more by downloading the pdf of the these terms



Download the app on google play store to enjoy the services





Readmore more of the terms and condtions by downloading the pdf