FinTech Legal Services

Clay & Associates Advocates is a leading FinTech law firm at the forefront of the financial technology revolution.

The Kenyan and global FinTech industry is booming, and Clay & Associates Advocates is here to help you navigate the legal and regulatory landscape. Our dedicated team of FinTech lawyers understands the unique challenges faced by startups and established players alike. We provide comprehensive legal services to ensure your business is compliant and thrives in this dynamic market.

Contact us today for expert technology legal support.

FinTech Lawyers


We deliver commercially focused legal and regulatory advice to FinTechs and to established incumbents looking to innovate. We act for start-ups, scale-ups and growth-stage FinTechs, and more established financial institutions, helping them raise capital, create innovative products, and manage their businesses in a regulatorily compliant manner in a fast-paced, competitive environment.

Our work with fintech companies runs the full legal spectrum from corporate formation, venture and private equity financing, mergers and acquisitions and public offerings to regulatory counseling, intellectual property protection, privacy and data security, employment and severance matters and litigation.

Commonly, we help clients with:

So whatever your problem or situation, our highly-trained and experienced team has seen it all before. To get started, please contact us to discuss your requirements and arrange a legal assessment.

Choose Us


Before any fees, we’ll first schedule a consultation to listen and learn more about your situation.

The session is an hour long, and there are no obligations to engage our services afterward.

As part of the consultation, we’ll lean on our years of experience as technology lawyers to suggest the best solution for you or your business.

Clients instruct us for our market-leading knowledge of the FinTech and alternative finance sectors and products, and for our approachable, commercially-minded lawyers.

At Clay & Associates Advocates, have specialist FinTech lawyers operating across Technology, Data Protection, IP, and Financial Services teams covering a full range of FinTech, InsurTech, and RegTech matters.

Contact us today to schedule a consultation and let us guide you toward your organization’s success.


Nextgen Mall, 3rd Floor, Suite 34, Nairobi.
Mon-Fri: 8 am – 5 pm

Frequently Asked Questions

What legal services do you offer for fintech companies in Kenya?

We offer a variety of legal services by leveraging our expertise in different sectors and industries. Our services include:

  • Regulatory Compliance:

  • Licensing and Permit Assistance:

    • Guiding you through the process of obtaining the necessary licenses and permits to operate your specific fintech service in Kenya. This can involve application preparation, document submission, and liaising with regulatory bodies.
  • Contract Drafting and Review:

    • Drafting and reviewing contracts with various stakeholders in your business ecosystem, such as customers, vendors, and partners. This ensures your interests are protected and the agreements are legally sound.
  • Dispute Resolution and Litigation Support:

    • Assisting you in resolving disputes that may arise during business operations. This could involve negotiation, mediation, or litigation in Kenyan courts, depending on the situation.
  • Data Privacy and Security Advice:

    • Guiding you on how Kenyan data protection laws apply to your fintech business. This includes developing a data protection policy and implementing measures to safeguard user information. Additionally, they can advise on best practices for cybersecurity to protect your platform from data breaches.
What is the level of regulation of technology in Kenya?

The technology sector in Kenya is subject to a significant level of regulation to ensure the proper use, protection, and security of technology-related activities. The government of Kenya has implemented various laws, regulations, and frameworks to govern the technology industry. Here are key aspects of technology regulation in Kenya:

1. Data Protection and Privacy: The Data Protection Act, 2019 establishes regulations for the collection, processing, storage, and sharing of personal data. It outlines principles and requirements for data controllers and processors, including consent, data subject rights, and data breach reporting obligations.

2. Cybersecurity: The Kenya Information and Communications Act, 1998, and the Computer Misuse and Cybercrimes Act, 2018 address cybersecurity concerns. These laws criminalize cyber offenses, such as unauthorized access, hacking, cyberbullying, and identity theft. They also establish the National Computer Incident Response Team (National KE-CIRT/CC) to coordinate cybersecurity efforts.

3. Intellectual Property: The Intellectual Property Act, 2001 provides legal protection for intellectual property rights, including patents, trademarks, copyrights, and industrial designs. The Kenya Industrial Property Institute (KIPI) oversees the registration and enforcement of intellectual property rights in Kenya.

4. Telecommunications and ICT Regulation: The Communications Authority of Kenya (CA) regulates the telecommunications and information and communication technology (ICT) sectors. It ensures compliance with licensing requirements, quality of service standards, consumer protection, and competition regulations.

5. E-commerce and Online Transactions: The Kenya Information and Communications (Electronic Transactions and Cybersecurity) Regulations, 2020 govern e-commerce activities, electronic transactions, digital signatures, and online contracts. These regulations provide a legal framework for conducting business electronically and protecting the rights of consumers and businesses in online transactions.

6. Open Data and Access to Information: The Access to Information Act, 2016 promotes transparency and provides a legal framework for accessing public information. The government of Kenya has also launched initiatives, such as the Open Data Portal, to encourage the availability and use of government data for innovation and development.

7. Consumer Protection: The Consumer Protection Act, 2012 safeguards the rights and interests of consumers in technology-related transactions. It establishes provisions for fair trade practices, consumer rights, dispute resolution, and product liability.

These regulations aim to promote responsible and ethical use of technology, protect consumer rights, foster innovation, and ensure data privacy and security. It is crucial for businesses operating in the technology sector to understand and comply with the applicable laws and regulations to avoid legal risks, protect intellectual property, and build consumer trust.

As technology evolves rapidly, it is important for businesses to stay updated with any regulatory developments or amendments that may impact their operations. Engaging with legal professionals who specialize in technology law and regulatory compliance can provide valuable guidance and ensure compliance with the ever-changing technology landscape in Kenya.

I run an international technology company, how can I set up my company in Kenya and is the business environment friendly?

Setting up an international technology company in Kenya involves several steps. While I can provide you with a general overview, it is important to consult with legal and business professionals who specialize in company registration and foreign investment in Kenya for personalized guidance. Here are the key steps to consider:

1. Market Research: Conduct thorough market research to assess the potential and feasibility of your technology business in Kenya. Evaluate factors such as market demand, competition, regulatory environment, infrastructure, and availability of skilled labor.

2. Business Structure: Determine the most suitable business structure for your company in Kenya. Options include setting up a subsidiary, branch office, or forming a joint venture with a local partner. Each structure has its own legal and operational implications.

3. Company Registration: Register your company with the relevant authorities. This typically involves reserving a company name, preparing the necessary documents (such as articles of association and memorandum of understanding), and submitting the application to the Companies Registry.

4. Licensing and Permits: Identify any specific licenses or permits required for your technology activities. This may include licenses related to telecommunications, software development, data processing, or specific technology services. Engage with the relevant regulatory bodies to ensure compliance.

5. Tax Obligations: Understand the tax obligations for your technology company in Kenya. This includes registering for taxes with the Kenya Revenue Authority, obtaining a tax identification number, and complying with tax reporting and payment requirements. Familiarize yourself with tax incentives or special economic zones that may be available for technology businesses.

6. Infrastructure and Operations: Set up your office and infrastructure, acquire necessary technology equipment and software licenses, and establish reliable internet connectivity. Consider factors such as office location, access to talent, and connectivity to major markets.

7. Intellectual Property Protection: Safeguard your intellectual property rights in Kenya. Register your patents, trademarks, copyrights, and industrial designs with the Kenya Industrial Property Institute (KIPI) to ensure legal protection and prevent infringement.

8. Employment and Labor Laws: Familiarize yourself with the local labor laws and employment regulations in Kenya. Ensure compliance with employment contracts, employee benefits, working hours, and other labor-related obligations.

Regarding the business environment in Kenya, the country has made significant efforts to improve its business climate and attract foreign investment. Kenya offers several advantages for international technology companies, including its strategic location, skilled labor force, supportive government policies, and a growing technology ecosystem.

The government has implemented initiatives to promote digital innovation and technology entrepreneurship, such as the Konza Technopolis and the Silicon Savannah. These initiatives aim to provide a conducive environment for technology companies to thrive and access various support programs, including incubation centers, funding opportunities, and collaboration platforms.

While the business environment in Kenya offers opportunities, challenges may exist, including infrastructure limitations, bureaucracy, corruption, and varying regulatory enforcement. Engaging local legal and business advisors can help you navigate these challenges and ensure a smooth setup process.

Overall, with careful planning, adherence to regulations, and a well-executed market entry strategy, you can establish a successful technology presence in Kenya’s business environment. Stay informed about industry trends, collaborate with local partners, and leverage available resources and incentives to drive your company’s growth and success.

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