How Modela protects farmers and partners
Your data, your consent, your payout. Plain-language commitments for the people and organisations we serve.
Four things we promise
Your data is encrypted and limited
We only collect what is needed to deliver cover or a credit referral. Data is encrypted in transit and at rest, and access is role-based inside our team.
You choose how data is used
Insurance servicing, credit referral and marketing consents are separate. You can grant or withdraw any of them at any time through USSD, SMS or your partner.
Payouts are decided by public data
Triggers come from independent satellite, weather and area-yield sources — not an assessor's opinion. Every product documents its exact trigger source and method.
We operate under Kenyan law
Modela is in the IRA licensing process and partners only with licensed underwriters. We do not underwrite risk and we do not lend; those activities stay with regulated insurers and lenders.
We operate under Kenyan law
Modela is in the IRA licensing process and partners only with licensed underwriters. We do not underwrite risk and we do not lend; those activities stay with regulated insurers and lenders.
Underwriting partners
Modela does not underwrite risk. Cover is placed with licensed Kenyan insurers and reinsurers. Names will be published once partnership agreements are signed.
Regulatory status
Modela is in the IRA licensing process and works only with licensed Kenyan insurers and reinsurers. We do not carry underwriting risk or a loan book; those activities sit with regulated carriers and lenders.
Risk transfer
Insurance risk is placed with regulated underwriters and reinsured where applicable. Modela manages distribution, data and servicing — never the risk itself.
For farmers
- Confirm every enrolment and consent yourself by SMS or USSD.
- Receive payout directly to your M-Pesa when the trigger is met.
- Withdraw consent anytime without losing access to basic insurance servicing.
For partners
- No underwriting risk or loan book on your balance sheet.
- Audit logs and role-based access for your staff.
- Clear data-processing agreements before any farmer cohort goes live.
What clients and partners ask
Does Modela hold my insurance risk?
No. Modela is a distribution intermediary. Underwriting risk sits with regulated Kenyan insurers and reinsurers; any credit risk sits with the lender.
Who protects my personal data?
Modela processes data under the Kenya Data Protection Act, 2019. You can access, correct, delete and restrict use of your data at any time.
How are payouts decided?
Payouts are triggered by independent, auditable data such as satellite vegetation indices, rainfall estimates and area-yield samples. Each product filing documents the exact trigger.
Can I withdraw consent?
Yes. Insurance servicing, credit referral and marketing consents can be granted or withdrawn separately at any time through USSD, SMS or partner channels.
Talk to our trust team
Whether you are a farmer, partner or underwriter, we will answer your security and data questions directly.