Effective date: 27 April 2025 | Last updated: 27 April 2025
1. Introduction
UrgentLoans.co.za ("we", "us", "our") is committed to protecting your personal information in compliance with the Protection of Personal Information Act (POPIA), Act 4 of 2013, and all applicable South African data protection laws.
This Privacy Policy explains how we collect, use, store, and share your personal information when you use our loan matching and referral service.
2. Information We Collect
When you use our service, we may collect the following personal information:
- Identity information: Full name, ID number, date of birth
- Contact information: Email address, phone number, physical address
- Financial information: Monthly income, employment status, existing debt obligations
- Loan preferences: Desired loan amount, repayment period, loan purpose
- Technical information: IP address, browser type, device information, cookies
3. How We Use Your Information
We use your personal information for the following purposes:
- To match you with suitable NCR-registered credit providers
- To share your application details with lenders so they can assess your eligibility
- To communicate with you about your application and our services
- To improve our website and loan matching service
- To comply with legal and regulatory requirements
4. Sharing Your Information
We share your personal information with NCR-registered credit providers in our network for the purpose of processing your loan application. We do not sell your personal information to third parties for marketing purposes.
We may also share information with:
- Service providers who help us operate our website (hosting, analytics)
- Regulatory authorities when required by law
- Credit bureaus as part of the loan application process (by the lender, not by us)
5. Data Security
We implement appropriate technical and organisational measures to protect your personal information, including:
- SSL/TLS encryption on all data transmissions
- Secure storage with access controls
- Regular security assessments
- Staff training on data protection
6. Your Rights Under POPIA
Under the Protection of Personal Information Act, you have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate personal information
- Request deletion of your personal information
- Object to the processing of your personal information
- Withdraw your consent at any time
- Lodge a complaint with the Information Regulator
To exercise any of these rights, contact us at privacy@urgentloans.co.za. We will respond within 30 days as required by POPIA.
7. Cookies
Our website uses cookies to improve your browsing experience and analyse site traffic. You can manage your cookie preferences through your browser settings. Essential cookies are required for the website to function and cannot be disabled.
8. Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Loan application data is retained for a maximum of 12 months unless a credit agreement is concluded.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.
10. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your POPIA rights:
- Email: privacy@urgentloans.co.za
- General enquiries: support@urgentloans.co.za
- Information Regulator (SA): inforegulator.org.za