Koniza Financial Services: Privacy Policy
Last updated: 6 October 2026
1. Who we are
1.1 This Privacy Policy explains how Koniza Financial Services (“we”, “us”), a microlender registered with NAMFISA under registration number 25/11/2052, collects, uses, shares and protects your personal information when you deal with us at our offices, through our online client portal or through the Koniza Loans mobile application (together the “Services”).
1.2 It forms part of our Terms and Conditions, published at konizafs.com/terms-and-conditions, and applies to every client and applicant.
2. Information we collect
2.1 Information you give us:
- identity details: full name, identity or passport number, date of birth and photograph;
- contact details: email address, phone number and residential address;
- employment and income: employer, salary and payslips;
- financial details: bank account details and bank statements; and
- supporting documents and signatures you provide with an application or agreement.
2.2 Information we create: your loan applications, affordability assessments, Loan Agreements, repayment history, invoices, statements and correspondence.
2.3 Information from the app: a device notification token, so we can send you service notifications. Fingerprint or face unlock runs entirely on your device, and we never receive your biometric data.
2.4 We do not access your contacts, call logs, SMS messages, photo gallery (other than files you choose to upload) or precise location.
3. How we use it
3.1 We use your information to verify your identity, assess your applications and affordability as the Microlending Act, 2018 requires, conclude and administer Loan Agreements, collect repayments, send service communications, keep the Services secure, meet our anti-money-laundering obligations, and submit statutory returns to NAMFISA.
4. Who we share it with
4.1 With your consent in the Client Information Consent Agreement, and as the law permits, we share information with registered credit bureaus, NAMFISA and other authorities where the law requires, banks and payment service providers that process disbursements and debit orders, service providers that host and deliver the Services under confidentiality obligations, attorneys, debt-collection agents and courts when enforcing a Loan Agreement, and our auditors and professional advisers.
4.2 We do not sell your personal information or share it for third-party marketing.
5. Security and retention
5.1 We encrypt information in transit, protect sign-in with two-factor authentication, and restrict access to staff who need it for their work.
5.2 We keep your information for as long as your loans remain active and afterwards for the periods the Microlending Act, 2018, the Financial Intelligence Act and other laws require, after which we delete or anonymise it.
6. Your rights
6.1 You may ask us for a copy of your information, ask us to correct it, or ask us to delete your account and the information we are not required by law to keep. You may also withdraw consent to optional processing, such as push notifications, at any time.
6.2 To make a request, email info@konizafs.com or call +264 81 866 9826. If you are not satisfied with our response, you may complain to NAMFISA.
7. Changes and contact
7.1 We publish any change to this Privacy Policy with its “last updated” date and notify you of material changes.
Koniza Financial Services, ERF 6239, Samuel Shikomba Street, Katutura East, Windhoek, Namibia | info@konizafs.com | +264 81 866 9826