Country addendum
Kenya terms.
Effective 2026-05-01. Read alongside the master Terms of Service and the Data Processing Agreement.
This addendum captures the country-specific regulator, licensing, and data-protection references that apply to use of the Vantage platform in Kenya. It does not replace the master Terms; in case of conflict, this addendum prevails for Kenya processing only.
- Data protection regulator
- Office of the Data Protection Commissioner (ODPC)
- Data Protection Act 2019 (DPA-KE)
- Financial regulator
- Central Bank of Kenya (CBK) under the Banking Act, Microfinance Act 2008, NPS Act 2011, and the draft Non-Deposit Taking Credit Providers Regulations 2025
- Agriculture and commodity oversight
- Agriculture & Food Authority (AFA), Kenya Plant Health Inspectorate Service (KEPHIS), Pest Control Products Board (PCPB)
Country-specific terms
- Personal data breaches are notified to the ODPC within 72 hours, matching the DPA-KE statutory window.
- Partners originating credit must hold a current CBK credit-provider authorisation (or fall under the KES 20M paid-up capital licensing threshold, in which case the lighter registration regime applies).
- Parametric crop-insurance products are pre-approved by IRA before distribution through the platform.
- Kenya remains on the FATF increased-monitoring grey list (per the October 2025 plenary) — enhanced due diligence applies to large-value redemptions.
Other active countries: Zimbabwe, Nigeria, South Africa, Botswana, Zambia.