{"id":3,"date":"2022-08-30T09:48:03","date_gmt":"2022-08-30T09:48:03","guid":{"rendered":"https:\/\/uniportloansltd.co.ke\/?page_id=3"},"modified":"2024-03-12T11:32:18","modified_gmt":"2024-03-12T11:32:18","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/uniportloansltd.co.ke\/index.php\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t
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Our Data Policy<\/strong><\/p>

  1. Introduction:<\/span><\/li><\/ol>

    1.1 This Data Policy (“Policy”)<\/strong> elucidates the methodologies employed by Uniport Ltd to collect, utilize, and protect the personal information of clients engaging with our services.<\/span><\/p>

    1.2 By participating in our services, clients demonstrate their understanding and acceptance of the principles delineated in this comprehensive policy.<\/span><\/p>

    1. Information We Collect:<\/strong><\/li><\/ol>

      CATEGORIES OF DATA SUBJECTS<\/span><\/b><\/p>

      Client profiles are established to manage client information and loan-related data. This information is crucial for evaluating credit eligibility, determining loan disbursements, managing collateral, and maintaining records for regulatory compliance and internal auditing purposes.<\/span><\/p>

      NO<\/span><\/b><\/p><\/td>

      ITEM<\/span><\/b><\/p><\/td>

      INTENDED USE<\/span><\/b><\/p><\/td><\/tr>

      1<\/span><\/p><\/td>

      Client’s Full Name, gender and age<\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      2<\/span><\/p><\/td>

      Email<\/span><\/p><\/td>

      Communication<\/span><\/p><\/td><\/tr>

      3<\/span><\/p><\/td>

      ID number<\/span><\/p><\/td>

      Financial reconciliation and regulatory compliance\/ to access CRB status and listing<\/span><\/p><\/td><\/tr>

      4<\/span><\/p><\/td>

      Phone Number<\/span><\/p><\/td>

      Communication<\/span><\/p><\/td><\/tr>

      5<\/span><\/p><\/td>

      KRA Pin<\/span><\/p><\/td>

      Compliance<\/span><\/p><\/td><\/tr>

      6<\/span><\/p><\/td>

      Postal Address<\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      7<\/span><\/p><\/td>

      Permanent Residence<\/span><\/p><\/td>

      Contact tracing<\/span><\/p><\/td><\/tr>

      8<\/span><\/p><\/td>

      Current Residence<\/span><\/p><\/td>

      Contact tracing<\/span><\/p><\/td><\/tr><\/tbody><\/table>

      \u00a0<\/span><\/b><\/p>

      Client Next of Kin Info\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/b><\/p>

      NO<\/span><\/b><\/p><\/td>

      ITEM<\/span><\/b><\/p><\/td>

      INTENDED USE<\/span><\/b><\/p><\/td><\/tr>

      1<\/span><\/p><\/td>

      Next of kin name<\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      2<\/span><\/p><\/td>

      Phone number and email<\/span><\/p><\/td>

      Communication<\/span><\/p><\/td><\/tr>

      3<\/span><\/p><\/td>

      Relationship<\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      4<\/span><\/p><\/td>

      Level of education <\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      5<\/span><\/p><\/td>

      KRA pin<\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr>

      6<\/span><\/p><\/td>

      Date of birth <\/span><\/p><\/td>

      Creating a comprehensive client profile<\/span><\/p><\/td><\/tr><\/tbody><\/table>

      \u00a0<\/span><\/b><\/p>

      Client Educational Information<\/span><\/b><\/p>

      NO<\/span><\/b><\/p><\/td>

      ITEM <\/span><\/b><\/p><\/td>

      INTENDED USE<\/span><\/b><\/p><\/td><\/tr>

      1<\/span><\/p><\/td>

      Primary School Name, KCPE Year, KCPE Marks (Scanned Copy)<\/span><\/p><\/td>

      Merit qualification for the loan<\/span><\/p><\/td><\/tr>

      2<\/span><\/p><\/td>

      Secondary School Name, KCSE Year, KCSE Grade (Scanned Copy)<\/span><\/p><\/td>

      Merit qualification for the loan<\/span><\/p><\/td><\/tr>

      3<\/span><\/p><\/td>

      High School Sponsor<\/span><\/p><\/td>

      Evaluation for how needy the applicant is.<\/span><\/p><\/td><\/tr>

      4<\/span><\/p><\/td>

      University Name and Campus<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      5<\/span><\/p><\/td>

      Course Name and Faculty<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      6<\/span><\/p><\/td>

      Academic Year and Number of Academic Years the Course Takes<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      7<\/span><\/p><\/td>

      Registration Number<\/span><\/p><\/td>

      Narration for disbursements <\/span><\/p><\/td><\/tr>

      8<\/span><\/p><\/td>

      Transcripts (Scanned Copy) and Expected Year of Completion<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      9<\/span><\/p><\/td>

      Transcripts (Scanned Copy) and Previous Diploma and Degree Certification (Scanned Copy<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      10<\/span><\/p><\/td>

      Government\/Self-Sponsored Status and HELB Status (Scanned Copy) and School Residence Type<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr>

      11<\/span><\/p><\/td>

      University Calendar<\/span><\/p>

      \u00a0<\/span><\/p><\/td>

      Creating a comprehensive client profile and reporting<\/span><\/p><\/td><\/tr><\/tbody><\/table>

      \u00a0<\/span><\/b><\/p>

      \u00a0<\/span><\/b><\/p>

      \u00a0<\/span><\/b><\/p>

      Client Guarantor Information\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/b><\/p>

      NO<\/span><\/b><\/p><\/td>

      ITEM <\/span><\/b><\/p><\/td>

      INTENDED USE<\/span><\/b><\/p><\/td><\/tr>

      1<\/span><\/p><\/td>

      Guarantor Name, gender and date of birth<\/span><\/p><\/td>

      Creating a comprehensive guarantor profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      2<\/span><\/p><\/td>

      ID Number<\/span><\/p><\/td>

      Unique Identifier\/to access CRB status and listing<\/span><\/p><\/td><\/tr>

      3<\/span><\/p><\/td>

      Email and Phone number<\/span><\/p><\/td>

      Communication<\/span><\/p><\/td><\/tr>

      4<\/span><\/p><\/td>

      KRA PIN<\/span><\/p><\/td>

      Creating a comprehensive guarantor profile and reporting<\/span><\/p><\/td><\/tr>

      5<\/span><\/p><\/td>

      Address<\/span><\/p><\/td>

      Creating a comprehensive guarantor profile and reporting<\/span><\/p><\/td><\/tr>

      6<\/span><\/p><\/td>

      Level of Education, Gender, Occupation, Occupation Category and Occupation Details<\/span><\/p><\/td>

      Creating a comprehensive guarantor profile and reporting<\/span><\/p><\/td><\/tr>

      7<\/span><\/p><\/td>

      Monthly Income, Source of Income, Payslip (Scanned Copy), 4-Month Bank Statement (Scanned Copy), 6-Month M-Pesa Statement (Scanned Copy),<\/span><\/p><\/td>

      Used to access the financial capability of the guarantor<\/span><\/p><\/td><\/tr>

      8<\/span><\/p><\/td>

      Residential Details<\/span><\/p><\/td>

      Creating a comprehensive guarantor profile and reporting<\/span><\/p><\/td><\/tr><\/tbody><\/table>

      \u00a0<\/span><\/b><\/p>

      Client Loan and Bank Information<\/span><\/b><\/p>

      NO<\/span><\/b><\/p><\/td>

      ITEM <\/span><\/b><\/p><\/td>

      INTENDED USE<\/span><\/b><\/p><\/td><\/tr>

      1<\/span><\/p><\/td>

      Current Fee Balance<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      2<\/span><\/p><\/td>

      Total Fee Paid for Previous Semesters<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      3<\/span><\/p><\/td>

      Yearly Rent<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      4<\/span><\/p><\/td>

      Amount Raised by Family for Fees and Amount Raised for Fees from Other Sources<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      5<\/span><\/p><\/td>

      Upkeep Amounts for Student per Academic Year<\/span><\/p>

      \u00a0<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr>

      6<\/span><\/p><\/td>

      Bank Name, Account Number, Branch<\/span><\/p><\/td>

      Used for performing disbursements<\/span><\/p><\/td><\/tr>

      7<\/span><\/p><\/td>

      Details of Client’s Work Experience<\/span><\/p><\/td>

      Creating a comprehensive loan profile and reporting<\/b><\/span><\/p><\/td><\/tr><\/tbody><\/table>

      \u00a0<\/span><\/p>

      This comprehensive documentation enables the Uniport Ltd to efficiently manage employee and client information, process loans, and fulfill statutory obligations while ensuring compliance with regulatory requirements. Additionally, it facilitates effective communication and decision-making throughout the loan application and disbursement processes.<\/span><\/p>

      2.2 This exhaustive collection is imperative for the holistic evaluation of loan eligibility, ensuring responsible lending practices, and fulfilling regulatory obligations.<\/span><\/p>

      1. Purpose of Information Collection:<\/strong><\/li><\/ol>

        3.1 The multifaceted information collection serves a spectrum of purposes:<\/span><\/p>

        \u00a0\u00a0\u00a03.1.1 Loan Eligibility Assessment:<\/strong> Collected data is employed to comprehensively evaluate eligibility for academic loans.<\/span><\/p>

        \u00a0\u00a0\u00a03.1.2 Effective Loan Administration:<\/strong> The data facilitates efficient loan administration, including disbursement and repayment processes.<\/span><\/p>

        \u00a0\u00a0\u00a03.1. Regulatory Compliance:<\/strong> Information is used to comply with legal and regulatory requirements governing academic lending.<\/span><\/p>

        \u00a0\u00a0\u00a03.1.4 Communication:<\/strong> Client data is utilized to convey important updates, policy changes, and other information relevant to the loan process.<\/span><\/p>

        1. Security Measures:<\/strong><\/li><\/ol>

          4.1 Uniport Ltd employs an array of robust security measures to fortify the protection of client data against unauthorized access, disclosure, alteration, and destruction.<\/span><\/p>

          4.2 Access to client data is restricted exclusively to personnel with explicit authorization, and our security protocols undergo regular reviews and updates.<\/span><\/p>

          4.3 Data is stored on secure servers fortified with encryption technologies to guard against potential breaches.<\/span><\/p>

          1. Data Sharing<\/strong><\/li><\/ol>

            5.1 In the course of facilitating academic loans, Uniport Ltd may engage in data sharing with various entities:<\/span><\/p>

            \u00a0\u00a0\u00a05.1.1 Educational Institutions:<\/strong> Information is shared for the purpose of loan disbursement to educational institutions.<\/span><\/p>

            \u00a0\u00a0\u00a05.1.2 Regulatory Bodies:<\/strong> Client data may be disclosed as required by law to regulatory bodies overseeing financial transactions. This may include CRB and the Kenya Revenue Authority.<\/span><\/p>

            \u00a0\u00a0\u00a05.1.3 Third-Party Service Providers\u00a0 External service providers, adhering to stringent data protection standards, may be engaged for functions such as credit scoring, identity verification, etc.<\/span><\/p>

            5.2 Uniport Ltd ensures that any third parties with access to client data comply with the highest standards of data protection and confidentiality.<\/span><\/p>

            5.3 Client data is never sold or leased to third parties for marketing or commercial purposes.<\/span><\/p>

            1. Consent:<\/strong><\/li><\/ol>

              6.1 Participation in Uniport Ltd’s services signifies the explicit consent of clients for the collection, processing, and sharing of their data as articulated in this Policy.<\/span><\/p>

              6.2 Clients reserve the right to withdraw their consent at any time, although it is acknowledged that such actions may impact the organization’s ability to provide certain services.<\/span><\/p>

              1. Retention Period:<\/strong><\/li><\/ol>

                7.1 Client data is retained for a duration necessary to fulfill the purposes articulated in this Policy or as mandated by applicable laws.<\/span><\/p>

                7.2 Once data ceases to be necessary for the specified purposes, it is securely deleted or anonymized.<\/span><\/p>

                1. Client Rights:<\/strong><\/li><\/ol>

                  8.1 Clients possess a spectrum of rights concerning their data:<\/span><\/p>

                  8.1.1 Access and Correction: Clients can access and rectify their personal information held by Uniport Ltd.<\/span><\/p>

                  \u00a0\u00a0\u00a08.1.2 Data Deletion: Clients can request the deletion of their data under specific circumstances. Information will be deleted if the applicant fails to complete the application within one academic year.<\/span><\/p>

                  \u00a0\u00a0\u00a08.1.3 Objection to Processing: Clients have the right to object to the processing of their data under certain situations.<\/span><\/p>

                  8.2 Requests relating to these rights can be submitted to [Academic Loaning Organization Name]’s Data Protection Officer.<\/span><\/p>

                  1. Data Breach Response:<\/b><\/li><\/ol>

                    9.1 In the unfortunate event of a data breach, Uniport Ltd commits to:<\/span><\/p>

                    \u00a0\u00a09.1.1 <\/span>Prompt Assessment: <\/b>Swiftly assessing the situation to understand the nature and scope of the breach.<\/span><\/p>

                    \u00a0\u00a0\u00a09.1.2 <\/span>Mitigation Measures:<\/b> Taking immediate actions to mitigate the impact of the breach.<\/span><\/p>

                    \u00a0\u00a0\u00a09.1.3 <\/span>Client Notification:<\/b> Notifying affected individuals promptly in accordance with legal requirements.<\/span><\/p>

                    \u00a0\u00a0\u00a09.1.4 Root Cause Analysis:<\/strong> Conducting a thorough investigation to identify the root cause and implementing measures to prevent future occurrences.<\/span><\/p>

                    1. Updates to the Data Policy:<\/strong><\/li><\/ol>

                      10.1 This Policy may be subject to periodic updates to align with changes in regulations, technological advancements, or modifications in organizational practices.<\/span><\/p>

                      10.2 Clients will be notified of any significant changes to the Policy.<\/span><\/p>

                      1. Contact Information:<\/strong><\/li><\/ol>

                        11.1 For inquiries or concerns regarding client data, Uniport Ltd provides the contact information of its Data Protection Officer.<\/span><\/p>

                        Email 1: <\/span>kheri.mwendwa@uniportloansltd.co.ke<\/span><\/a><\/p>

                        Email 2:\u00a0 info@uniportloansltd.co.ke\u00a0<\/span><\/p>

                        12.1 By actively participating in Uniport Ltd’s services, clients confirm their acknowledgment, understanding, and agreement with the terms outlined in this Data Policy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t