Privacy Policy
Last updated: April 21, 2026
1. Information We Collect
When you use hela.studoke.com, we collect information you provide directly:
- Google account information (name, email) via Google Sign-In
- Phone number, national ID number, location
- Educational institution details
- Loan application details and item photographs
- M-Pesa transaction records
2. How We Use Your Information
- Process and evaluate loan applications
- Verify your identity and creditworthiness
- Disburse loans and process repayments via M-Pesa
- Send notifications about your loan status
- Improve our services and prevent fraud
3. Data Security
We implement industry-standard security measures including 256-bit SSL encryption, secure session handling, and encrypted password storage. All financial transactions are processed through Safaricom's secure M-Pesa platform.
4. Data Sharing
We do not sell or rent your personal information. We may share data with:
- Safaricom (M-Pesa) for payment processing
- Google for authentication services
- Law enforcement when required by Kenyan law
5. Data Retention
We retain your data for the duration of your account and for 7 years after your last transaction, as required by Kenyan financial regulation.
6. Your Rights
Under the Kenya Data Protection Act 2019, you have the right to access, correct, or delete your personal data. Contact us to exercise these rights.
7. Cookies
We use essential session cookies for authentication and security. These are necessary for the service to function and cannot be disabled.
8. Contact Us
For privacy inquiries, email us at [email protected]