Privacy notice
Last updated: 1 October 2026
This notice explains how we handle personal information you share with us through kajco.io, mainly when you send us an enquiry. It does not cover the Kajco Credit app. The app has its own privacy policy, which you will see before you sign up.
Who we are
Kajco Finance Ltd runs this website. It is a company registered in England and Wales (company number 16320323) and is the controller of personal information collected through kajco.io.
Our Nigerian subsidiary, Kajco Lending Services Ltd (RC 8384389), operates Kajco Credit in Nigeria. It is registered with the Nigeria Data Protection Commission (NDPC/DCP/07167). Where an enquiry relates to our operations in Nigeria, we may share it with Kajco Lending Services Ltd so it can respond.
To contact us about privacy, email [email protected] with "Privacy" in the subject line.
What we collect
- Enquiry details: your name, email address, the type of contact you are (investor, partner, merchant or other), your organisation if you give it, and your message.
- Emails you send us: anything you include when you email us directly or reply to us.
- Basic technical information: when you visit the site, our hosting provider automatically records information such as your IP address, browser type and the pages requested, to keep the site secure and working.
We do not use advertising or tracking cookies on this website, and we do not ask for financial, identity or credit information here.
How we use it and why
| What we do | Lawful basis |
|---|---|
| Reply to your enquiry and continue the conversation you started, including sending an investor brief you ask for | Our legitimate interest in responding to people who contact us, or steps you ask us to take before entering into an agreement |
| Keep a record of enquiries and correspondence | Our legitimate interest in running the business and keeping accurate records |
| Keep the website secure and prevent spam or misuse | Our legitimate interest in protecting the website and our users |
| Meet legal or regulatory obligations | Legal obligation |
We will not send you marketing emails unless you ask for them, and we never sell your personal information.
Who we share it with
- Kajco Lending Services Ltd, our Nigerian subsidiary, where your enquiry concerns our Nigerian operations.
- Service providers who help us run the website and our email, such as our website host (Netlify, which also receives form submissions) and our email provider. They may only use your information to provide their service to us.
- Google Fonts, which supplies the typefaces on this site. Your browser connects to Google to load them, which shares your IP address with Google.
- Professional advisers, regulators or authorities, where the law requires it or to protect our legal rights.
International transfers
We operate in the United Kingdom and Nigeria, and some of our service providers are based in other countries, including the United States. When your information moves between countries, we use the safeguards required by law, such as standard contractual clauses or international data transfer agreements, and transfer only what is needed.
How long we keep it
We keep enquiries and related correspondence for up to 24 months after our last contact with you, unless we need to keep them longer for a legal reason or because you become a partner, investor or customer. In that case the relevant agreement or privacy policy will apply.
How we protect it
We use access controls, secure (HTTPS) connections and reputable service providers, and limit access to people who need it. No method of sending information over the internet is completely secure, so please don't send sensitive information such as bank details or ID numbers through the enquiry form.
Your rights
Under UK data protection law (UK GDPR) and the Nigeria Data Protection Act 2023, you have the right to:
- ask for a copy of the personal information we hold about you
- ask us to correct information that is wrong or incomplete
- ask us to delete your information
- object to, or ask us to limit, how we use it
- ask us to transfer your information to you or another organisation, where this applies
- withdraw your consent at any time, where we rely on consent
To use any of these rights, email [email protected]. We will respond within one month. There is no charge in most cases.
If you are unhappy with how we have handled your information, please tell us first so we can put it right. You can also complain to the Information Commissioner's Office in the UK (ico.org.uk) or the Nigeria Data Protection Commission (ndpc.gov.ng).
Children
This website is meant for adults. We do not knowingly collect information from anyone under 18.
Changes to this notice
We may update this notice from time to time. The date at the top shows when it last changed.