Mortgage.co.ke ("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 visit our website, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the "Site").
📌 Summary for Kenyan Users: We comply with the Kenya Data Protection Act (DPA), 2019. We collect minimal personal data, never sell your information, and you have the right to access, correct, or delete your data at any time.
We collect information that you voluntarily provide to us when you:
What we do NOT collect: We do not collect your ID number, PIN, bank account details, credit card information, or CRB data through our free tools.
When you visit our Site, we automatically collect certain information about your device, including:
This information helps us improve our Site and understand how users interact with our tools.
We use cookies and similar tracking technologies to enhance your experience on our Site. Cookies are small data files stored on your device. We use:
You can disable cookies through your browser settings. However, disabling cookies may affect the functionality of our calculator and other tools.
We use the information we collect to:
We do NOT sell your personal information. We may share your information in the following limited circumstances:
⚠️ Important: When you click "Apply Now" on a bank affiliate link, you leave our Site and go directly to that bank's website. Their privacy policy governs any information you provide on their site. We encourage you to read their privacy policies carefully.
Our Site contains links to third-party websites, including Kenyan banks (KCB, Equity, Co-op Bank, NCBA, etc.) and other financial institutions. We are not responsible for the privacy practices or content of these third-party sites. Please review their privacy policies before providing any personal information.
We implement reasonable security measures to protect your personal information, including:
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
Under the Kenya Data Protection Act (DPA), 2019, you have the following rights:
To exercise any of these rights, please contact us at privacy@mortgage.co.ke. We will respond within 30 days as required by Kenyan law.
Our Site is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately.
Our servers are located in [Kenya / EU / US — adjust based on your hosting]. Some third-party services we use (like Google Analytics and Formspree) may process data outside Kenya. When we transfer data internationally, we ensure appropriate safeguards are in place.
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.
If you have any questions about this Privacy Policy or our data practices, please contact us at:
Data Protection Officer (DPO): For matters related to the Kenya Data Protection Act, you may also contact the Office of the Data Protection Commissioner (ODPC) at www.odpc.go.ke.