Privacy Policy

Last updated October 15, 2026

01Who we are

AfrikCap is a loan sourcing and facilitation platform based in Kampala, Uganda. We connect individuals and businesses with licensed lenders. This Privacy Policy explains what personal data we collect, why we collect it, who we share it with and the choices you have.

AfrikCap is the data controller for the information you give us, and we process it in line with the Data Protection and Privacy Act, 2019 and the Data Protection and Privacy Regulations, 2021.

02Information we collect

Identity details: your name, date of birth, National ID number and photo where a lender requires it.
Contact details: phone number, email address and physical address.
Loan request details: the amount you need, what it is for and your preferred repayment period.
Financial information: income, business turnover and, with your permission, mobile money or bank statements.
Business details: business name, registration number and location, if you apply as a business.
Technical data: device type, browser and pages visited on our website.

03How we collect it

We collect personal data when you complete a pre-check or callback form, speak to our team by phone or WhatsApp, meet one of our field agents, or browse our website. Where you agree, we may also receive information from the lenders you apply to about the outcome of your application.

04Why we use it

To assess your eligibility and match your request with suitable licensed lenders.
To contact you about your request and help you complete your application.
To share your application with the lenders you are matched with.
To prevent fraud and meet our legal and regulatory obligations.
To improve our website and services.

05Your consent

We ask for your consent before we collect your data through any form, and before we share your application with a lender. Browsing our website is not consent. You can withdraw your consent at any time by contacting us; this will not affect processing that took place before you withdrew it.

06Who we share it with

We do not sell your personal data. We only share it with:

Licensed banks, microfinance institutions and other regulated lenders you are matched with.
Service providers who help us run our business, such as hosting, customer support and messaging providers, under written agreements.
Regulators, law enforcement or courts where the law requires us to.

07Where your data is stored

Your data is stored on secure servers. Some of our service providers may process data outside Uganda. Where this happens, we make sure the country or provider offers adequate protection, as required by the Data Protection and Privacy Act.

08How long we keep it

We keep your personal data only as long as we need it for the purposes in this policy, or as long as the law requires. If you do not proceed with an application, we delete or anonymise your data within 24 months of your last contact with us, unless you ask us to delete it sooner.

09How we protect it

We use encryption in transit, access controls, staff training and regular reviews to keep your data safe. Only people who need your information to process your request can see it. Our field agents use secure devices and cannot keep copies of your documents.

10Your rights

Under Ugandan law you have the right to:

Ask what personal data we hold about you and get a copy of it.
Ask us to correct information that is wrong or incomplete.
Ask us to delete your data, or to stop or limit how we use it.
Object to direct marketing at any time.
Withdraw your consent.

To use any of these rights, email [email protected]. We will respond within 30 days.

11Cookies

Our website uses a small number of cookies to keep it working and to understand how visitors use it. You can turn off non-essential cookies in your browser settings at any time.

12Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page shows when it last changed. If a change materially affects you, we will tell you by SMS, email or a notice on our website.

13Contact and complaints

If you have a question or concern about how we handle your data, contact us at [email protected] or call +256 704 924 290.

If you are not satisfied with our response, you can complain to the Personal Data Protection Office (PDPO) in Uganda.