Privacy Policy

🔐 1. What Information We Collect

We may collect and process the following types of personal information:

Personal Identification Information:

Full name
South African ID number
Date of birth
Gender
Marital status

Contact Information:

Physical address
Email address
Mobile or landline phone numbers

Financial Information:

Bank account details
Proof of income (e.g., payslips, bank statements)
Employment history
Credit-related information (with your permission)

Application and Loan Information:

Type of loan requested
Loan amount
Repayment history
Payment records

Technical and Usage Data:

IP address
Device type and browser
Pages visited on our website
Time and date of visits

📋 2. How We Collect Your Information

We collect your personal information in the following ways:

Directly from you when you apply for a loan, contact us, or register on our website.
From third parties such as credit bureaus, employers, or financial institutions (with your consent).
Automatically via cookies and similar technologies when you visit our website.

🧾 3. Why We Use Your Information

We may use your personal information for the following purposes:

To assess your eligibility for a loan.
To verify your identity and perform background checks.
To communicate with you regarding your loan application, approval, disbursement, and repayments.
To provide customer support and respond to inquiries.
To comply with legal and regulatory obligations (such as anti-money laundering laws and POPIA requirements).
To improve our services, products, and website functionality.
To send you updates, promotions, or relevant financial tips (you may opt out at any time).

🔗 4. Who We Share Your Information With

We do not sell or rent your personal information to third parties for marketing purposes. However, we may share your data with:

Credit Bureaus – To verify your creditworthiness and report repayment activity.
Service Providers – Such as payment processors, IT service providers, and debt collection agencies.
Regulatory Authorities – As required by law or to comply with investigations or legal proceedings.

All third-party partners are required to protect your data and use it only for the purposes we specify.

🛡️ 5. How We Protect Your Information

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, misuse, disclosure, or alteration. These include:

Secure servers and encrypted data transmission (HTTPS).
Access controls and staff training on data protection.
Regular system audits and software updates.

Despite our best efforts, no method of transmission over the internet or electronic storage is 100% secure. Therefore, while we strive to protect your information, we cannot guarantee absolute security.

🕒 6. How Long We Keep Your Information

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Typically:

Loan applications and related documents: up to 5 years after completion or closure.
Marketing preferences: until you opt out or delete your account.
Legal records: as required by applicable laws.

🧹 7. Your Rights Under POPIA

Under the Protection of Personal Information Act (POPIA) , you have the right to:

Request access to your personal information.
Request correction of inaccurate or incomplete information.
Request deletion of your personal information (subject to legal restrictions).
Object to or restrict processing of your data.
Lodge a complaint with the Information Regulator of South Africa.

To exercise any of these rights, please contact us using the details below.

🍪 8. Use of Cookies

Our website uses cookies to enhance user experience, analyze traffic, and provide personalized content. You can control cookie settings through your browser, but disabling cookies may affect certain features of our site.

🌍 9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of these sites. We encourage you to read their privacy policies before sharing any personal information.

📲 10. Updates to This Policy