SecureEscrow Securing Your Transaction
SecureEscrow Kenya
Funds Held in Trust Integrated with M-PESA
Buyer & Seller Protection Dispute Resolution Included
Release Within 24 Hours After Delivery Confirmation

Regulatory Compliance

Last Updated: January 15, 2026

SecureEscrow Kenya operates in full compliance with all applicable Kenyan laws and regulations governing financial services, data protection, and electronic transactions.

1. Licensing and Registration

SecureEscrow Kenya Limited is a duly registered company in the Republic of Kenya.

  • Company Registration Number: PVT-2024-123456
  • KRA PIN: P051234567X
  • Registered Office: Westlands Business Centre, 7th Floor, Wing B, Nairobi

2. Anti-Money Laundering (AML) Compliance

2.1 POCAMLA Compliance

SecureEscrow Kenya complies with the Proceeds of Crime and Anti-Money Laundering Act (POCAMLA) and its regulations. Our AML program includes:

  • Customer Due Diligence (CDD) for all users
  • Enhanced Due Diligence (EDD) for high-risk transactions
  • Transaction monitoring and suspicious activity reporting
  • Staff training on AML obligations
  • Independent annual AML audit

2.2 Know Your Customer (KYC)

All users must complete KYC verification before initiating transactions above KES 100,000. Verification requires:

  • Valid government-issued identification
  • Proof of address (utility bill or bank statement)
  • KRA PIN certificate
  • Source of funds declaration for large transactions

2.3 Suspicious Transaction Reporting

We are obligated to report suspicious transactions to the Financial Reporting Centre (FRC). We may not disclose to users that a report has been filed.

3. Data Protection Compliance

3.1 Data Protection Act, 2019

SecureEscrow Kenya is registered as a Data Controller and Data Processor under the Data Protection Act, 2019.

  • Registration Number: ODPC/DPR/2024/789

3.2 Data Protection Principles

We adhere to the following principles:

  • Lawfulness, fairness, and transparency in data processing
  • Purpose limitation - data collected only for specified purposes
  • Data minimization - collecting only what is necessary
  • Accuracy of personal data
  • Storage limitation - data retained only as necessary
  • Integrity and confidentiality of data

3.3 Cross-Border Data Transfers

Any transfer of personal data outside Kenya complies with the Data Protection Act requirements, including appropriate safeguards and user consent.

4. Financial Conduct Compliance

4.1 Central Bank of Kenya Guidelines

While SecureEscrow is not a bank or deposit-taking institution, we follow CBK guidelines on:

  • Consumer protection in financial services
  • Transparency in fee disclosure
  • Complaint handling procedures

4.2 Trust Account Management

All client funds are held in segregated trust accounts with:

  • Licensed commercial banks regulated by CBK
  • Complete separation from operating accounts
  • Regular reconciliation and audit
  • Client fund protection insurance

5. Electronic Transactions Compliance

5.1 Kenya Information and Communications Act

Our electronic transactions comply with the Kenya Information and Communications Act, including:

  • Legal recognition of electronic records and signatures
  • Secure electronic communication protocols
  • Consumer protection in electronic commerce

6. Consumer Protection Compliance

6.1 Consumer Protection Act

We comply with the Consumer Protection Act by:

  • Providing clear and accurate information about services and fees
  • Maintaining a fair dispute resolution process
  • Prohibiting unfair business practices
  • Ensuring transparency in all communications

7. Tax Compliance

7.1 Tax Obligations

SecureEscrow Kenya complies with all tax obligations including:

  • Corporate Income Tax
  • Value Added Tax (VAT) where applicable
  • Withholding Tax on payments
  • Digital Service Tax (DST) compliance

7.2 User Tax Obligations

Users are responsible for their own tax obligations. SecureEscrow may provide transaction records to tax authorities as required by law.

8. M-PESA Integration Compliance

As a Safaricom partner, we comply with:

  • Safaricom M-PESA API Terms of Service
  • M-PESA Consumer Protection Guidelines
  • Transaction limits and reporting requirements

9. Complaint Handling

We maintain a formal complaint handling procedure in compliance with regulatory requirements. Complaints may be escalated to:

  • SecureEscrow Compliance Officer
  • Financial Reporting Centre (for AML concerns)
  • Office of the Data Protection Commissioner (for privacy concerns)
  • Competition Authority of Kenya (for consumer protection issues)

10. Regulatory Updates

We monitor regulatory developments and update our compliance program accordingly. Material changes affecting users will be communicated through our website or direct notification.

11. Audit and Certification

SecureEscrow undergoes:

  • Annual financial audit by registered auditors
  • Quarterly trust account reconciliation
  • Annual AML compliance audit
  • Regular data protection impact assessments

12. Contact Compliance Department

For compliance-related inquiries or to report concerns:

Compliance Officer
SecureEscrow Kenya Limited
Westlands Business Centre, 7th Floor, Wing B
Nairobi, Kenya
Email: compliance@secureescrow.co.ke
Confidential Hotline: +254 700 000 999