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Privacy Policy

Information We Collect

We may collect the following categories of personal information:

  • Personal Details: Name, ID number, passport number, date of birth, and gender.
  • Contact Information: Physical address, email address, and telephone numbers.
  • Financial Information: Banking details, credit history, and income information.
  • Transaction Details: Records of products or services you have purchased or used.
  • Technical Data: IP address, device information, and browsing activity on our website.
  • Other Information: Any additional information you provide to us directly or through our partners.

How We Collect Your Information

We collect personal information in the following ways:

  • Directly from You: When you apply for our services, complete forms, or interact with us.
  • Automatically: Through our website, cookies, and similar technologies.
  • Third Parties: From credit bureaus, regulatory bodies, and business partners.

How We Use Your Information

We use your personal information to:

  • Provide and manage our financial services.
  • Verify your identity and perform credit checks.
  • Comply with legal and regulatory requirements.
  • Communicate with you about your account or services.
  • Improve our products, services, and customer experience.
  • Detect and prevent fraud, unauthorized activities, or other misconduct.
  • Send you marketing communications (with your consent).

Sharing Your Information

We may share your personal information with:

  • Service Providers: Companies that assist us with delivering our services.
  • Regulators and Authorities: When required by law or to comply with legal obligations.
  • Business Partners: For joint offerings or collaborations, with your consent.
  • Credit Bureaus: For credit assessments and reporting purposes.
  • Other Third Parties: As part of a corporate transaction such as a merger or sale.
  • Authorised Third parties: Such as registered debt counsellors, for purposes including debt review or financial rehabilitation.

We ensure that all third parties adhere to strict confidentiality and data protection standards.

Your Rights

Under POPIA, you have the right to:

  • Access the personal information we hold about you.
  • Request correction or deletion of your personal information.
  • Object to the processing of your personal information.
  • Withdraw your consent for marketing communications at any time.
  • Lodge a complaint with the Information Regulator if you believe your rights have been violated.

Data Security

We implement robust technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. Despite these measures, no system is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, or resolve disputes.

International Transfers

If your personal information is transferred outside of South Africa, we will ensure it is protected in a manner consistent with South African data protection laws.

By using our services, you agree to the terms of this Privacy Policy. Please ensure you read this policy carefully and understand your rights.