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Cookie Policy

  • Credit Bank PLC Cookies Policy

Introduction

 

This cookie policy explains how Credit Bank PLC uses cookies, pixels, and similar technologies (together “cookies”) on our website and online platforms. This includes the bank’s website (Https://creditbank.co.ke), and our Online platform (https://ikonnect.creditbank.co.ke ) By using these platforms, you agree to our use of cookies in accordance with this policy. If you do not agree to our use of cookies, please disable cookies on your computer or other devices.

 

What are cookies and which cookies do we use?

 

Cookies are small data files which are placed on your device when you access certain parts of our websites or online platforms. We may use the following cookies:

 

(a) Strictly necessary cookies to allow our web server determine whether the cookie settings on your browser have been enabled or disabled. This allows us to determine whether data can be collected from your web browser; to temporarily allow you carry information between pages of our Websites to avoid having to re-enter that information; and to temporarily identify your device after you have logged in to a secure page on our Websites in order for you to carry out certain activities.

 

(b) Functionality and Performance cookies to recognize you when you return to our Websites so as to help you avoid re-entering information you had provided when you return to our Websites; personalize our content for you; and for more accurate reporting.

 

(c) Analytical and targeting/advertising cookies to help us research on your interest, usage and activities in relation to our websites and platforms. These cookies may be placed on your device by us or by third parties on our behalf, and we may share the data stored in such cookies with third parties for purposes of analysis and research.

 

How do we use cookies?

 

We use cookies to operate and provide our web-based services with improved experience. In particular, we use cookies for the following reasons:

 

  1. (i) to find out about users of our Websites and platforms including user demographics, behavior, usage patterns and device information such as advertising ID.

 

  1. (ii) to record your use of our websites and/or online platforms and your responses to our online advertisements posted on the social media platforms (such as Facebook, Instagram, Twitter and Linkedln) to help personalize your content.

 

  1. (iii) improve the effectiveness of our online marketing and advertising campaigns noting that opting out of our first-party or third-party targeting/advertising cookies does not necessarily mean that you will not see our ads, only that the ads will not be targeted at you through the use of such cookies.

 

  1. (iv) Fraud prevention: We may also use cookies to assist us in fraud  monitoring, prevention and detection.

 

We need your consent

 

We use cookies to provide you with a better website experience. However, if you don’t prefer cookies, you can change your preferences by clicking on Manage cookies on our homepage at any time. Please see our Cookies Policy.

More Options

Empowering you to grow takes a special place at the heart of our operations. elev8HER is designed just for you and offers more than just financial solutions. We seek to be the friend you can bank on for your growth. Join elev8HER today and get exclusive access to:

  • ~elev8HER Community – a chance to market your business to others
  • ~elev8HER Health – activities such as walks, free check-ups and more
  • ~elev8HER Newsletter – with business insights and features a client each month
  • ~elev8HER Visa Debit Card – a card just for you
  • ~elev8HER Site – this comes with learning modules and expert opinions on various matters
  • ~elev8HER Café – features business moguls to learn engage and prosper

 

Insurance Options

HER Car Insurance

 

With elev8HER, we have curated our motor vehicle insurance options just for you. We have the following options:

  • ~HER Private Motor Vehicle Cover – this covers all vehicles used for personal, social and pleasure purposes.
  • ~HER Commercial Vehicles – this cover is for all vehicles used in the line of doing business.

This insurance cover indemnifies you in respect of accidental damage including collision, fire, theft of the vehicle and third party liabilities.

 

HER Business Insurance

 

This is a comprehensive insurance that covers your property against any accidental and unforeseen loss or damage. It offers a wide range of unique benefits depending on your needs. The following policies are available under this class among others:

  • ~Fire and Allied Perils (Burning flame, explosion, impact, flood, malicious Damage)
  • ~Burglary policy including holdup
  • ~Cash in transit/Goods in transit
  • ~Home Insurance (Domestic Package) – Sections A,B,C,D, E & F
  • ~All risks
  • ~Fidelity Guarantee policy
  • ~CAR
  • ~WIBA

 

HER Health Cover

 

This cover is suitable for you and your employees. You can now have peace of mind together with your employees with our medical cover. Credit Afya Health product is designed for both individuals and SMEs and offers the following:

  • ~Inpatient and outpatient cover
  • ~Various memberships for free – Mums Club, Senior Club, Maisha Fit among others
  • ~Terms and condition will vary for different clients and different requirement.

 

HER Travel Insurance

 

Travelling the world? This cover is for you if you are travelling for leisure or business and offers you the following:

  • ~Emergency Medical and related expenses
  • ~Loss of Baggage
  • ~Travel inconveniences
  • ~Personal accident

The cost of this cover is normally dependent on number of days of travel, country of destination, country of destination, your age and type of visit.

eHub

eHub is a platform designed to enable your small and medium sized enterprise (SMEs) scale and become competitive across industries. eHub provides a platform for you to network, learn and do business. Non-financial service package include access to e-hub for free/discounted rates:

  • ~Access to eHub Accelerator programs
  • ~Access to eHub Circles
  • ~Access to eHub Mentors
  • ~Access to eHub Masterclass
  • ~Access to eHub One on one coaching sessions
  • ~Women Café – monthly talks on pertinent issues affecting women in business and women in general

Learn more here.

 

Financing Options

HER Business Loan

If you have run a small and growing enterprise for at least three years, this term loan is designed to meet your financing needs.

What You Get
  • ~Access loan value of up to KES 10 million
  • ~Preferential interest rate
  • ~Last two months interest rebate upon full redemption of loan and consistent repayment with no incidence of arrears.
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free

 

HER Start-Off Loan

 

If you have run a micro and small enterprise between one and three years, this term loan is designed to meet your financing needs.

 

What You Get

 

  • ~Access loan value of up to KES 3 million
  • ~Preferential interest rate
  • ~An unsecured option is available
  • ~Last two months interest rebate upon full redemption of loan and consistent repayment with no incidence of arrears.
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free

 

HER Trade Loan

 

Sometimes cashflows are tight. This solution is meant to ease your cash operations in the short term. Access this financing with your LPO/LSO contracts. Open an elev8HER account for business transactions to build your business banking record.

 

What You Get

 

  • ~Get up to 70% cash value on your LSO/LPO contracts
  • ~If you have an invoice yet to be paid, our Invoice Discounting offers up to 70% cash value
  • ~Access training and coaching through eHub and other non-financial services .
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free as above

 

Her Digital Loan (Women Pre-Approved Cash Loan)

 

Need quick cash? CB Konnect, our mobile banking app, gives you access to quick loans based on your transaction history with no security required.

 

What You Get

 

  • ~No collateral required
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free as above
Account Options

HER Personal Account features:

  • ~No Monthly Charges 
  • ~Minimum operating balance Kshs. 2000
  • ~Charges via Digital Channels apply

HER Business Account features:

  • ~Get unlimited access for a flat monthly fee of KES 500

  • ~No charges for Cheque Book

  • ~Access to a Visa Debit Card*

  • ~No minimum or operating balance
  • ~Charges via Digital Channels apply