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Built on trust, safety and accountability.

This page explains how our Digital Loan platform approaches regulatory compliance, security, customer protection, and responsible lending.

  • Regulatory compliance
  • Strong data protection
  • Fair and responsible lending
  • Transparent communication

Licensing & regulation

Our services are provided only in jurisdictions where we are properly licensed or operating under an approved partner or regulatory framework.

Ethiopia

Regulator
National Bank of Ethiopia
License type
Licensed microfinance institution
License number
Available on request
Verification
nbe.gov.et (opens in a new tab)

Other markets

In additional markets, services are offered through:

  • Locally licensed financial institutions
  • Regulatory sandbox approvals
  • Market-specific fintech licensing frameworks

Details for each country are published on this page prior to service activation.

Security & data protection

We apply industry-standard security controls to protect customer data, financial information, and platform integrity.

Data security controls

Encryption in transit
All data encrypted using TLS 1.2+
Encryption at rest
AES-256 or equivalent standards
Secure key management
Keys stored and rotated securely

Access controls

Least-privilege access
Staff access restricted to job functions
Role-based access (RBAC)
All access logged and reviewed
Multi-factor authentication
Required for admin access

Monitoring & audit

Continuous monitoring
Automated alerts for suspicious activity
Audit logging
Immutable logs for all critical actions
Regular reviews
Periodic security and compliance reviews

Incident response

Response plan
Defined procedures for detection & remediation
Breach notification
Customers and regulators notified per law
Post-incident review
Root-cause analysis documented

Customer data is never sold and is used only for loan assessment, regulatory compliance, and fraud prevention.

Responsible lending

We are committed to fair, transparent, and ethical lending practices.

Affordability & transparency

Affordability checks
Borrower capacity assessed before approval
Clear pricing
Total cost displayed before confirmation
No hidden charges
All fees disclosed upfront

Fees & repayments

Late fees
Applied only where legally permitted, subject to regulatory caps
Grace periods
Provided in accordance with local regulations
Early repayment
No penalties unless explicitly permitted by law

Ethical collections

No harassment
No threats, intimidation, or abusive language
No unauthorized contact
We do not contact employers or family without lawful basis
Dignified treatment
Customers are treated with respect at all times

Complaints & dispute resolution

We aim to resolve customer concerns quickly, fairly, and transparently.

Resolution process

  1. Step 1: Initial review
    Complaint acknowledged within 24-48 hours
  2. Step 2: Investigation
    Reviewed by support or compliance team
  3. Step 3: Response
    Resolution provided within SLA timelines
  4. Step 4: Escalation
    If unresolved, escalated internally or to regulator

Regulatory escalation

If you are dissatisfied with the outcome, you may escalate the matter to the relevant regulator:

  • National Bank of Ethiopia (Ethiopia)
  • Central Bank of Kenya (Kenya, once licensed)
  • Applicable regulator in your jurisdiction

Trust, safety, and accountability.

These are foundational to our Digital Loan platform. Have questions? We're here to help.

Contact us+251 979 246 793