Privacy Policy
Effective Date: 1 June 2026
This Privacy Policy explains how Credit-Nest collects, uses, stores, and protects information when you use our multi-tenant loan management software. We are strictly committed to data security, privacy, and full compliance with the Uganda Data Protection and Privacy Act 2019.
1. Who We Are
Credit-Nest is a Software-as-a-Service (SaaS) loan management platform operated from Kampala, Uganda. References to “Credit-Nest”, “we”, “us”, or “our” in this policy refer to the Credit-Nest platform and its operators.
For all data privacy inquiries, contact our data protection team at privacy@credit-nest.stock-nest.com.
2. Information We Collect
We collect information necessary to provide and secure our loan management services:
- Account & Organization Data: Name, work email, password hash, organization name, and billing details.
- Customer & Loan Ledger Data: Data entered by you regarding your borrowers (names, contact numbers, NINs, collateral assets, loan schedules, and repayment transactions). You own this data; we process it solely on your behalf.
- Audit & System Logs: IP address, browser type, timestamps of disbursements/approvals, and action event records for security compliance.
3. How We Use Your Information
We use collected data strictly to:
- Operate, calculate, and maintain the loan amortization engine
- Authenticate your team members and enforce role-based access control
- Process monthly subscription billing and prevent fraudulent usage
- Maintain immutable audit trails for your organization's loan disbursements
We never sell, monetize, or share your borrower lists or loan records with any third party.
4. Data Security & Tenant Isolation
Each organization's data is logically isolated in modern PostgreSQL infrastructure. All network traffic is encrypted via TLS 1.3, and database storage is protected with AES-256 encryption at rest. Daily cloud snapshots ensure continuous business continuity.
5. Your Data Ownership & Export Rights
You maintain full ownership of your data at all times. You can export complete loan books, borrower ledgers, and cash flow reports in CSV/Excel or PDF format at any time directly from the dashboard.
6. Contact & Governance
For any privacy inquiries or formal data requests under the Uganda Data Protection and Privacy Act 2019, please email privacy@credit-nest.stock-nest.com.