Compliance

At e-confirm, we are committed to operating in full compliance with all applicable laws, regulations, and industry standards to ensure a secure and transparent platform for all our users. Our compliance framework includes the following key areas:

• Legal Compliance:
  We operate in accordance with the laws of the Republic of Kenya, including but not limited to financial service regulations, consumer protection laws, and the Data Protection Act, 2019. Our operations are structured to meet all statutory and regulatory requirements.
• Payment Compliance:
  All payments on the platform are processed exclusively through authorized mobile money services such as M-Pesa. We adhere to Anti-Money Laundering (AML) and Know Your Customer (KYC) standards where applicable, to prevent fraudulent and illicit transactions.
• Data Privacy Compliance:
  e-confirm complies with national and international data privacy laws. We protect user information through secure encryption, limited access controls, and strict internal protocols. Personal data is collected, stored, and processed with transparency and user consent.
• Audit and Record-Keeping:
  We maintain accurate records of all transactions, disputes, and communications for auditing, regulatory, and security purposes. These records are securely stored for a period not less than six (6) years and may be accessed in case of legal or compliance inquiries.
• Cooperation with Authorities:
  In case of fraud, theft, or any criminal activity, e-confirm will fully cooperate with law enforcement agencies. We may share user and transaction data with the appropriate authorities when legally obligated or requested.
• User Responsibility:
  Users are expected to comply with all relevant laws while using the platform. Any misuse of e-confirm for illegal activities such as money laundering, fraud, or cybercrime will lead to immediate account suspension and possible legal action.