What is Check Off?
What is Check-Off?
Check-off is a payroll deduction system where an employer directly deducts loan repayments, savings, or other financial obligations from an employee’s salary before it is paid out. The deducted amount is then remitted to the institution that provided the loan or service.
For Kulman Group, check-off ensures that loan repayments are automatically deducted from employees’ salaries, minimizing the risk of default and making allowing us to pass savings onto the end user, where it matters.
How It Works
Data Protection?
At Kulman Group, we take data protection seriously. As both a data controller and processor, we ensure that all employee and employer information is handled with the highest standards of security, transparency, and compliance.
Our Role as a Data Controller
As a data controller, we determine how and why employee data is collected, ensuring that:
- Data is only used for legitimate financial services such as credit assessment, loan processing, and payroll integration.
- Employees and employers have full transparency on how their data is handled.
- We comply with Kenya’s Data Protection Act and other relevant regulations.
Our Role as a Data Processor:
As a data processor, we safeguard the information entrusted to us by:
- Using encrypted, secure systems to process salary advances and financial services.
- Limiting access to authorized personnel only to prevent misuse.
- Ensuring data is not shared or sold to third parties.
