Three consolidated complaints against Credit Watch Investment Limited concerned its Cloudloan product sending the complainants persistent texts and calls demanding that they get the respondent's loanees to repay loans, although none of them had consented to being listed as emergency contacts. The respondent admitted the complainants had not consented. The ODPC found the respondent liable for violating their right to privacy and failing to fulfil its obligations, noting the distress caused by the coercive messages.
Orders and outcome
An enforcement notice was issued against the respondent and it was ordered to pay compensation of Kshs. 300,000 to each of the three complainants. Dated December 2023.
ODPC (Kenya), Peter Mbugua & 2 others v Credit Watch Investment Limited, ODPC Complaint No. 1626 of 2023, as consolidated with Nos. 1797 and 1835 of 2023, determination of 1 December 2023. African Data Protection Enforcement Tracker, Law Lab Africa Research, https://research.lawlab.africa/tracker/kenya/odpc/2023/credit-watch-investment-limited/ (accessed 23 October 2026).
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