Privacy policy

1. Who we are

SMIKE TRADING LIMITED operates a vehicle hire-purchase and financing platform. This policy applies to customers, dealers, staff users, and visitors who use our website or portals.

2. Data we collect

Depending on your role, we may process:

• Identity and KYC details (name, national ID / passport, KRA PIN, date of birth, photos of documents)
• Contact details (phone, email, physical / geo address)
• Account and authentication data
• Contract, vehicle, payment, and repayment information
• Device and technical logs (IP address, browser, approximate location) for security and diagnostics
• Communications with support

3. How we use data

We use personal data to:

• Register and verify accounts and complete KYC checks
• Create and administer contracts, schedules, and payment receipts
• Process payments (including M-Pesa, bank transfer, cash, and cheque workflows)
• Send service notifications (instalment reminders, approvals, security alerts)
• Comply with legal, audit, and tax obligations (including eTIMS where configured)
• Improve security, prevent fraud, and operate the platform

4. Legal bases

Processing is based on performance of a contract, legitimate interests in running a secure finance platform, consent where required (e.g. optional marketing), and compliance with applicable Kenyan law including the Data Protection Act, 2019.

5. Sharing

We may share data with:

• Payment and messaging providers (e.g. M-Pesa / Safaricom, SMS gateways) as needed to complete transactions
• Dealers, financiers, or staff roles strictly under access controls
• Regulators, courts, or law enforcement when legally required
• Hosting and IT processors under confidentiality obligations

We do not sell personal data.

6. Retention

Account and contract records are kept for the life of the relationship and for a further period required by law or legitimate business needs (e.g. tax and dispute resolution). You may request deletion subject to legal retention duties.

7. Security

We use access controls, encryption in transit where configured, audit logging, and staff permissions to protect data. No system is perfectly secure; report suspected incidents promptly.

8. Your rights

Subject to law, you may request access, correction, deletion, restriction, or objection to certain processing, and lodge a complaint with the Office of the Data Protection Commissioner (Kenya). Contact us using the details below.

9. Cookies and similar technology

We use essential cookies/sessions for login and security. Analytics cookies, if enabled, are used only to understand aggregate usage.

10. Contact

Privacy enquiries: INFO@SMIKETRADINGLTD.CO.KE
Phone: +254 182 129 682 / +254 731 928 946

This policy may be updated; the date above reflects the latest revision. Material changes will be reflected on this page.