Who we are

May Finance is a technology-enabled financial advisory and financing-matching company. We help individuals and businesses identify financing options suited to their financial profiles and specific funding needs. We have supported more than 100 people this way, and our role is always the same: make the journey clearer, more organised and better informed than it would be alone.

What we do

We combine financial expertise, data analysis and AI-assisted technology to analyse client requirements and financial information, identify potentially suitable financing partners, and simplify the financing application process. In practice that means:

• Understand your financing need, income and circumstances.
• Analyse your profile against the terms, policies and risk appetites we hold for the institutions we work with.
• Explain relevant financing options, costs and requirements — including what is likely to weaken your file, and how to fix it first.
• Help you prepare a complete and accurate application.
• With your agreement, connect you with a suitable bank or microfinance institution.
• Support communication and follow-up during the application process.

How the technology fits in

Kenya has a wide financing market and it moves. Pricing bands, deposit floors, tenor caps and employer or sector policies differ from one institution to the next and change through the year. Comparing them by hand is slow, which is why most people simply apply where they bank and hope.

We keep that market in a structured data set and test your profile against all of it at once. AI-assisted tools then rank the likely matches and flag the risks in a file — a short contract, a past listing, a deposit just under a floor — so problems surface before an application does, not after a fortnight of waiting.

The technology narrows the field. People decide. A consultant reviews every shortlist before it reaches you and talks it through properly. Our tools do not approve, decline or price credit, and no decision about your application is made by a machine. The licensed institution you choose makes the credit decision under its own process.

What we do not do

May Finance is not a bank, microfinance bank, lender or deposit-taking institution. We do not lend money. We do not approve credit, guarantee approval or hold client funds, and we are not an automated lending platform. The financial institution you choose independently decides whether to approve an application and sets its own rates, fees and terms.

Our commitment

We believe people deserve honest guidance before submitting sensitive financial information. We do not ask clients to pay us to speed up an application, and we never ask them to send money to a personal account. We are open about where technology is used in our process and where a human judgement is being made, and we do not use client data to train artificial-intelligence models. Our consultations are designed to help clients make informed choices.

1. Who we are

May Finance is the data controller for the personal data described in this notice. We are an independent, technology-enabled financial advisory and financing-matching company: we analyse your requirements and financial information, identify financing partners that may be suitable, and help you prepare an application for them. We are not a bank or a lender, we do not lend our own funds, and we do not take deposits or hold client money at any stage.

2. What we collect

When you fill in the application

• Who you are: name, date of birth, gender, nationality, marital status, town, physical address, mobile number, alternative number, email, next of kin and their contact.
• Your work: employer, position, terms of employment, years in the role, payroll number, employer contact details and salary account details.
• Your money: net salary, other household income, living expenses, rent, school fees, existing loan repayments, bank details, running loans, assets owned, and whether you have been listed by a credit reference bureau.
• The asset: what you are financing, its price, your deposit, the repayment period you want, and the dealer or supplier.
• Your preferences: the lender you lean towards, any backup, the documents you hold, referees and any notes you write for us.

What we do not collect here

The application form does not ask for your ID or passport number, your KRA PIN, or copies of documents. We take those in person once you and we have agreed on a lender, because they are the details that do the most damage if they leak. Please do not send them to us over WhatsApp or ordinary email.

Automatically

This site sets no advertising cookies and runs no analytics or tracking. While you are filling in the form, a draft is stored in your own browser on your own device so you can finish later; it never leaves your device until you press submit, and it is deleted when you do.

3. Why we use it, and our lawful basis

What we do	Lawful basis under the Act
Assess your situation and work out which lenders fit	Steps taken at your request before entering a contract, and your consent
Analyse your profile against the lender terms in our own data set, using data analysis and AI-assisted tools, to produce a shortlist for a consultant to review	Steps taken at your request before entering a contract, and your consent
Submit your application to the lender we agree on	Your consent, recorded when you tick the declaration
Call or write to you about your application	Steps taken at your request; our legitimate interest in serving you
Keep records of applications and advice given	Our legitimate interest, and legal or regulatory record-keeping

We do not use your details for marketing without asking you separately, and we do not build advertising profiles.

4. Who we share it with

• The lender you and we agree on. Once your file is submitted, that lender becomes a data controller in its own right and its own privacy notice applies. It will verify your details with your employer, your bankers and licensed credit reference bureaus.
• Google. Applications are received into a Google Workspace account we control. Google acts as our processor and does not use your data for its own purposes.
• Professional advisers or regulators where the law requires it.

We do not sell, rent or trade personal data, and we do not send your file to lenders you have not agreed to. If we think a different lender is a better match, we call you and ask first.

On artificial intelligence: the matching tools described in section 8 run on the information you give us and on our own record of lender terms. We do not pass your file to third parties for the purpose of training artificial-intelligence models, and your data is not used to train any such model.

5. Where your data is held

Applications are stored in Google Workspace, whose servers sit outside Kenya. Under sections 48 and 49 of the Act, we transfer personal data outside Kenya only where there are appropriate safeguards in place, and we rely on Google's contractual data-protection commitments together with your consent for that transfer. If you would rather your details were not held on a service outside Kenya, tell us and we will take your application by telephone or in person instead.

6. How long we keep it

• Applications that do not proceed: deleted after [12 months], unless you ask us to delete them sooner.
• Applications placed with a lender: kept for the life of the facility and then for [7 years], to meet record-keeping and tax obligations.
• Enquiries that never become applications: deleted after [6 months].

7. Your rights

Under section 26 of the Act you have the right to:

Right	What it means
Be informed	To know how your data is used — which is what this notice is for.
Access	To get a copy of what we hold about you.
Correction	To have anything inaccurate or incomplete put right.
Deletion	To have your data erased where we no longer have a reason to keep it.
Object	To tell us to stop processing your data, including for marketing.
Portability	To receive your data in a usable format, or have it sent onward.
Withdraw consent	To change your mind at any time. It does not undo what was lawfully done before you withdrew.

To exercise any of these, email mayfinancekenya@gmail.com with your name and your application reference. We respond within seven working days and we do not charge for it. We may ask you to confirm your identity first, so that we are not handing your details to someone else.

8. Automated tools, and why no decision is automated

We are open about where technology sits in our process, because you are entitled to know.

• What our tools do. Data analysis and AI-assisted tools compare the profile you give us against the terms, policies and risk appetites we hold for the institutions we work with. They produce a ranked shortlist of possible financing partners and flag issues likely to weaken the file.
• What they do not do. They do not approve, decline or price credit. They do not score you, they do not share your file with the institutions on the list, and they produce no outcome that reaches you unreviewed.
• Human review. A consultant at May Finance reads every file and every shortlist, and discusses it with you before anything is submitted anywhere.
• The credit decision. That is made by the licensed financial institution you choose, under its own process and its own privacy notice.

The calculator on this site produces an estimate, not a decision, and the affordability indicator is a guide only. No decision producing legal effects for you, or similarly significantly affecting you, is made by automated means alone. If you would like to know how a particular shortlist was arrived at, ask us and we will explain it.

9. Keeping it safe

Applications are received into an account protected by two-step verification and shared only with named members of our team. Access is reviewed regularly and removed when someone leaves. We do not keep applicant details on personal laptops or phones, and we do not accept identity documents over messaging apps. No system is perfect: if a breach affects your data we will notify the Office of the Data Protection Commissioner within 72 hours as the Act requires, and tell you where there is a real risk to you.

10. If you apply for a job with us

When you send us a CV we collect your name, contact details, work history and anything else you choose to include. We use it only to consider you for the role you applied for and to contact you about it. We keep unsuccessful applications for [6 months] in case something suitable comes up, then delete them — tell us if you would rather we deleted yours straight away. We do not share CVs outside May Finance. We never charge anyone to apply, to interview, or for training.

11. Children

This service is for adults. We do not knowingly collect data from anyone under 18. If you believe we hold a child's data, tell us and we will delete it.

12. Complaints

Please raise it with us first, at mayfinancekenya@gmail.com. We would rather fix it than have you go elsewhere unhappy. If you are not satisfied, you may complain to the regulator:

13. Changes to this notice

If we change how we handle personal data we will update this notice and change the date at the top. Where the change is significant we will tell applicants whose files are still open.