Our privacy policy

Data Protection

At Hela Pesa, we collect only the information needed to verify your identity, process your check-off loan, and keep your account secure. This includes basic personal details, employment information, and documents you upload during registration. We use this data strictly for service delivery, loan processing, compliance, and communication — never for selling or unauthorized sharing.

Your information is protected through secure systems, and you have full rights to access, correct, or request deletion of your data where legally allowed. Any content you upload (such as images or documents) should avoid sensitive location data, and some features on our site may store cookies to improve your experience. If you prefer to dive deeper, you can read our full Privacy Policy for all details on data use, retention, and your rights.

Who We Are

Hela Pesa Salary Loan is a credit product for salaried employees working in organizations that have signed an MOU with us. Our services run through the Hela Pesa App (Google Play Store) and the helapesa.co.ke portal. We offer convenient check-off loans without guarantors, security, registration fees, or mandatory savings. Once you apply, we conduct backend verification (KYC) and disburse funds instantly to your registered M-Pesa number upon approval. Repayment periods range from 1–48 months, and interest depends on the chosen term.

Personal Data We Collect

We collect only the information needed to verify your identity and process your loan, including:

  1. Identification documents (ID, passport, KRA PIN, payslip)
  2. Contact information (phone number, email)
  3. Employment details
  4. Application and repayment data
  5. Any media you upload

This data helps us authenticate you, determine eligibility, and deliver our services securely.

Media uploads

If you upload images, avoid files with embedded GPS or location data. Visitors may be able to extract such data from uploaded images.

Cookies

We use cookies to improve your experience, including:

  • Saving your login details and display preferences
  • Temporary cookies to verify browser compatibility
  • Cookies for comment convenience and content editing

These cookies do not store sensitive or personal financial information.

Embedded Content

Content from other websites (videos, images, articles) behaves as if you visited those sites directly. They may collect data or use tracking tools as per their own privacy policies.

Data Retention & Rights

We retain comments and their metadata indefinitely, while registered users' profile information remains stored for as long as their account is active. Users may update or delete their personal data at any time, except for their username, and administrators may access or edit account information when necessary. You also have the right to request a copy of the data we hold about you, ask for corrections, or request deletion where legally permissible, though certain information may be retained to meet administrative, legal, or security obligations.