Draft — to be reviewed by a qualified advocate before launch.
What we collect
- Account identity supplied by your sign-in provider.
- Messages you send us through our forms.
- Basic technical data when you click through to a lender (time, page, browser type).
- Referral references, selected lender and product, channel, dates, your recorded sharing consent and lender-reported progress.
Referral information sharing
When you consent to a referral, the selected lender’s authorised staff and authorised DHAMONEY administrators can access the referral for attribution, outcome reporting, dispute handling and commission reconciliation. Borrower updates are supporting information only. DHAMONEY does not access your bank or M-Pesa accounts and does not require your identity documents or bank statements.
Your referral pass
A person with your private pass link or QR code can view its reference, lender, product, branch, status and validity dates. Keep it private and show it only to authorised lender staff. The link stops working when the pass expires or is cancelled.
How we use it
To respond to enquiries, measure referrals and improve the service. We do not sell your data. Financial decisions and permission changes are logged for accountability. Retention periods and legal bases must be confirmed before live lender operations.
Your rights
You may request access to, correction of or deletion of your personal data by contacting us. Some financial or dispute records may need to be retained where lawfully required.