Security and Confidentiality
We understand the value of your personal information and therefore will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. Your personal information is stored in databases that have built-in safeguards and firewalls to ensure the privacy and confidentiality of that information.
We recognise the need for appropriate protection and management of the personal information you share with us. We protect that information using secure socket layer (SSL) encryption technology and by limiting employee access on a need-to-know basis. We store data in encrypted form on servers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack.
Our security systems meet or exceed industry standards and we are constantly monitoring technological developments to ensure our systems evolve as required.
Finally, we are subject to South African data protection laws, which we comply with fully and give the greatest respect.
Personal information is information that identifies or relates specifically to you includes your financial information, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. In short, any information that we know about you will be regarded as your personal information.
Collecting your data
We collect information about you in two ways - directly from your application and also from outside sources such as credit bureaux and customer service providers. We may use data that identifies your personal information for a number of things including: statistical analysis; to develop and improve our products; to assess lending risks; to update your records; to identify which of our products might interest you; to identify and prevent fraud, money laundering and other criminal activities; to carry out regulatory checks, keeping you informed about your loan, and for market research; and in the products and services which we offer on behalf of third parties.
Collection and Use of Personal Information
In order to make your use of this loan product and service as successful as possible, it is necessary for us to find out exactly what you need and want from us and to ascertain whether in terms of the provisions of the National Credit Act you are eligible to get a loan. The following are some of the reasons why we would collect your personal information:
Additional data collection
In addition to the personal information you submit, we may collect information about your computer or mobile device including, where available, your IP address, operating system and browser type - for system administration and to report aggregate information to our advertising partners which allow Us to have a better understanding of Our customer requirements and/or preferences by using cookies to track users as they travel from website to website recording what commercial advertisements they view and select while browsing.
This is statistical data about browsing actions and patterns and does not identify any individual. We may also obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer or mobile device. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognise you when you return to our site.
We want to provide you with the best possible service, so calls will be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud.
When you use this Website or mobile application and the services provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, password and/or personal identification number ("PIN").
Sharing your data for service provision
Selling and disclosing your data to third parties
We may also sell your data (or otherwise pass it on) to selected third parties who may receive it as part of products or services which we offer and/or otherwise use it to contact you by post, telephone, email, SMS or other reasonable method in relation to offers they feel might interest you, whether or not we enter into an agreement with you.
By clicking the "I Accept" box, you hereby agree that we may disclose your personal information:
Because we work with some carefully selected partners outside of South Africa - in order to offer you our loans service - we may also need to transfer your personal information abroad, to countries whose data protection laws are less strict than in South Africa. If and whenever this is the case, we will ensure the information is held securely to standards as least as good as those in South Africa and is only used for the purposes set out in this policy.
Electronic Communications and Transactions Act
Further to the requirements of the ECT Act; we will disclose your personal information without your consent:
In terms of the Consumer Protection Act and section 45 of the ECT Act, you understand that you have the option to opt out of any mailing list for commercial and marketing communications.
Contact from Us and third parties
As part of the application process, we ask you whether we or any of our partners may contact you about our products and services by telephone, post, email and SMS (or other reasonable method). If you ticked "yes" but no longer wish to receive such communications, please visit the My Account page on our website, login and change your communication preference at any time, or follow the instructions in the message itself. We may transfer your personal information to selected third parties (see “Selling and disclosing your data to third parties” above). If at any time you wish to stop receiving such contact from a third party, you will need to follow the instructions about unsubscribing provided at that time by the third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.
Third party links
To register with us you must be 18-years or older. Minors are strictly forbidden from using the service.
Which laws apply?