Privacy Policy

1. Zero-Storage Client-Side Calculation Guarantee

The core design principle of Biashara Professionals is data minimization. All interactive utilities on this platform—including our PAYE Calculator, 16% VAT Calculator, Turnover Tax Analyzer, Loan Repayment Calculator, and Business Invoice Generator—execute 100% inside your local web browser runtime.

2. Personal Information We Collect

We only collect personal information when you explicitly and voluntarily submit it to us. Specifically:

• Weekly Biashara Briefing Subscriptions: Your business email address when you sign up for our weekly executive newsletter.
• Verified Partner Applications: Lead practitioner name, firm name, professional license number (e.g. ICPAK, LSK, IHRM, ICF), entity KRA PIN, physical office address, telephone number, and website.
• Founder Stories & Case Study Submissions: Contributor contact details, operating history, and operational metrics submitted for editorial review.
• Event Listing Submissions: Event organizer details, contact information, billing coordinates, and event specifics.
• Digital Credits & Transactions: When purchasing utility credits, transactions are processed via licensed payment gateways (such as Safaricom M-Pesa). We record the confirmation transaction code, timestamp, and credit balance; we never store payment card PINs or M-Pesa credentials.

3. Lawful Basis for Processing Under Kenyan Law

Under Section 30 of the Kenya Data Protection Act, 2019, we process your personal data exclusively under the following lawful bases:

• Consent: You have given clear, explicit consent for us to process your information for a specific purpose (such as receiving the Weekly Biashara Briefing or publishing your profile in the Verified Partner Directory).
• Contractual Performance: Processing necessary to fulfill partner onboarding agreements, credit allocation, or event promotional listings.
• Legitimate Interests: Operating and securing the platform, preventing fraudulent transactions, and ensuring professional service quality for Kenyan MSMEs.

4. Your Legal Rights as a Data Subject

Pursuant to Section 26 of the Kenya Data Protection Act, you are entitled to the following enforceable statutory rights:

To exercise any of these statutory rights, submit a written request to our Data Protection Officer at [email protected]. Requests are responded to within 14 business days without administrative charge.

5. Third-Party Disclosures & Payments

We strictly enforce a zero-sale policy: we never sell, lease, or monetize user data with third-party advertisers or data brokers.

Third-party disclosures occur solely in the following operational contexts:

• Verified Partner Inquiries: When a user clicks "Request Consultation" on a partner profile, their inquiry is transmitted directly to that partner firm to facilitate bilateral communication.
• Regulated Payment Providers: M-Pesa payment validation and mobile billing via Central Bank of Kenya (CBK) licensed financial intermediaries.
• Statutory Compliance: When strictly required by an order of the High Court of Kenya or formal regulatory decree under the Laws of Kenya.

6. Data Security & Technical Safeguards

We deploy strict technical and organizational safeguards to protect your personal data against unauthorized access, loss, or alteration. All web traffic is encrypted using industry-standard TLS 1.3 encryption. Administrative access to partner databases is restricted via multi-factor authentication (MFA) and least-privilege security controls.

7. Data Controller Details & Inquiries

Biashara Professionals is a digital service published and operated by Aheri Systems.