How High Returns Are Built on Nebo

Effective date: April 11, 2026

1. Introduction

Nebo (operated by Nebo Africa) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile app, website, and services (collectively “Nebo”).

By using Nebo, you consent to the practices described in this policy. We comply with the Kenya Data Protection Act, 2019 and its regulations.

2. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, national ID, date of birth, and bank/M-PESA account details.
• Financial Information: Savings goals, transaction history, round-up savings, lending activity, loan/rent collection data, and credit assessment information.
• Device and Usage Data: IP address, device type, operating system, app usage, location data (with your permission), and cookies/analytics data.
• Communication Data: Messages you send to us via the contact form or in-app support.

3. How We Collect Your Information

We collect information when you:

• Register or create an account on Nebo
• Make savings, lend money, or use our collection tools
• Contact us through the website or app
• Connect your M-PESA or bank account
• Give us permission to access device features (camera, location, contacts – only when necessary)

4. How We Use Your Information

We use your data to:

• Provide, maintain, and improve our savings, lending, and collection services
• Process round-ups and savings goals
• Facilitate P2P lending and principal-protected investments
• Perform real-time credit assessments
• Send important updates, transaction notifications, and security alerts
• Prevent fraud, money laundering, and unauthorized access
• Comply with legal and regulatory obligations (including Central Bank of Kenya and Office of the Data Protection Commissioner)

5. Sharing Your Information

We may share your personal data with:

• Trusted service providers (payment processors, cloud hosting, analytics, and fraud detection tools)
• Credit reference bureaus (for credit assessment and reporting)
• Regulatory authorities (CBK, FRC, KRA, ODPC) when required by law
• Business partners involved in P2P lending or collections (only with your consent where required)
• Successors in the event of a merger, acquisition, or sale of assets

We do not sell your personal data to third parties for marketing purposes.

6. Data Security

We implement appropriate technical and organizational measures to protect your data, including encryption, secure servers, access controls, and regular security audits. However, no system is completely secure, and we cannot guarantee absolute security.

7. Your Rights Under the Data Protection Act

You have the right to:

• Access your personal data
• Correct inaccurate or incomplete data
• Request deletion of your data (subject to legal obligations)
• Object to or restrict processing of your data
• Withdraw consent where processing is based on consent
• Data portability (receive your data in a structured format)
• Lodge a complaint with the Office of the Data Protection Commissioner (ODPC)

To exercise these rights, contact us at support@nebo.africa.

8. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy or as required by Kenyan law (typically 7 years for financial records).

9. International Data Transfers

Some of our service providers may be located outside Kenya. When we transfer data abroad, we ensure appropriate safeguards (such as contractual clauses) are in place to protect your information.

10. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and provide personalized content. You can manage cookie preferences through your device settings.

11. Children’s Privacy

Nebo is not intended for persons under 18 years of age. We do not knowingly collect data from children.

12. Changes to This Privacy Policy

We may update this policy from time to time. We will notify you of any material changes by posting the new policy in the app and on our website, and updating the effective date.

13. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

Email: support@nebo.africa
Address: Nairobi, Kenya

© 2026 Nebo. All rights reserved.