Privacy Policy

Last updated: January 27, 2026

Introduction

Welcome to My Advance.

My Advance (“the Company”, “We”, “Us”, or “Our”) operates the My Advance mobile application and website accessible at https://myadvance.co.ke (collectively referred to as the “Service”).

This Privacy Policy explains how We collect, use, disclose, and safeguard Your information when You use Our Service. By accessing or using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with capitalized initial letters have meanings defined under the following conditions. These definitions apply regardless of whether they appear in singular or plural form.

Definitions

  • Account means a unique account created for You to access Our Service or parts of Our Service.
  • Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares or equity interest entitled to vote.
  • Application refers to My Advance, the software application provided by the Company.
  • Company refers to My Advance, operating in Tanzania.
  • Cookies are small files placed on Your device by a website that store information about Your browsing activity.
  • Country refers to Tanzania.
  • Device means any device that can access the Service, such as a computer, smartphone, or tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Application, the Website, or both.
  • Service Provider means any natural or legal person who processes data on behalf of the Company.
  • Usage Data refers to data collected automatically when using the Service.
  • Website refers to My Advance, accessible from https://myadvance.co.ke.
  • You means the individual accessing or using the Service, or the legal entity on whose behalf such individual is accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide certain personally identifiable information, including but not limited to:

  • Full name
  • Email address
  • Phone number
  • National identification details
  • Employment and income information
  • Residential address
  • Bank or mobile money account details (where applicable)

This information is required to provide salary advance services, assess eligibility, and comply with applicable laws and regulations.

Usage Data

Usage Data is collected automatically when using the Service. This may include:

  • Internet Protocol (IP) address
  • Browser type and version
  • Pages visited and time spent on pages
  • Device identifiers
  • Mobile operating system and device type

Information Collected While Using the Application

To provide core features of the My Advance Application, We may collect, with Your permission:

  • Device information
  • Application usage data
  • Location data where required for fraud prevention, risk assessment, or regulatory compliance

You can enable or disable access to this information at any time through Your device settings.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track activity on Our Service and improve functionality.

Types of Cookies We Use

  • Essential Cookies
    Required for authentication, security, and core Service functionality.
  • Acceptance Cookies
    Used to record whether You have accepted the use of cookies.
  • Functionality Cookies
    Used to remember preferences such as login sessions and user settings.

You may configure Your browser to refuse Cookies, but some parts of the Service may not function correctly.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain the Service
  • To create and manage Your Account
  • To assess eligibility for salary advances
  • To process transactions and repayments
  • To communicate with You via email, SMS, or in-app notifications
  • To improve Service performance, reliability, and security
  • To detect, prevent, and investigate fraud or misuse
  • To comply with legal, regulatory, and contractual obligations
  • For internal analytics and operational improvements

Sharing Your Personal Data

We may share Your Personal Data in the following situations:

  • With Service Providers who assist with system hosting, payments, messaging, analytics, or compliance
  • For business transfers, such as mergers, acquisitions, or asset sales
  • With Affiliates, subject to this Privacy Policy
  • With regulatory authorities or law enforcement, where required by law
  • With Your consent, for specific and disclosed purposes

We do not sell or rent Your Personal Data.

Retention of Your Personal Data

We retain Personal Data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including compliance with applicable laws and regulations in Tanzania.

Usage Data may be retained for shorter periods unless required for security, fraud prevention, or legal compliance.

Transfer of Your Personal Data

Your information may be processed or stored on servers located outside Tanzania. By using the Service and submitting Your information, You consent to such transfers.

We take reasonable measures to ensure that any transferred Personal Data is protected and handled in accordance with this Privacy Policy.

Delete Your Personal Data

You have the right to request access to, correction of, or deletion of Your Personal Data.

You may update or delete certain information through Your Account settings. You may also contact Us to request assistance with deleting Your Personal Data.

We may retain certain information where required by law or where there is a lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition, or sale of assets, Your Personal Data may be transferred as part of that transaction. We will notify You if such a transfer occurs.

Legal Requirements

We may disclose Your Personal Data if required to do so by law or in response to valid requests from public authorities.

Security of Your Personal Data

We take reasonable technical and organizational measures to protect Your Personal Data. However, no method of transmission over the Internet or electronic storage is completely secure, and We cannot guarantee absolute security.

Children’s Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect Personal Data from minors. If You believe a minor has provided Personal Data, please contact Us so We can take appropriate action.

Links to Other Websites

Our Service may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of such websites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last updated” date.

You are advised to review this Privacy Policy periodically.

Contact Us

If You have any questions about this Privacy Policy, You can contact Us: