1. Introduction

Welcome to E-Finance Ltd South Africa. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website or apply for our financial services.

2. Information We Collect

We may collect the following information from you when you use our website or services:

• Personal details (full name, ID number, date of birth)
• Contact information (email address, phone number, address)
• Financial information (income, employment details, bank statements)
• Loan application data and repayment history
• Device and usage data (IP address, browser type, cookies)

3. How We Use Your Information

We use your information to:

• Process your loan applications
• Verify your identity and eligibility
• Communicate with you about your account or loan status
• Improve our services and website performance
• Comply with South African laws, including the Protection of Personal Information Act (POPIA)

4. Data Protection & Security

We implement appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Access to your data is restricted to authorized employees who require it to provide services to you.

5. Sharing Your Information

We do not sell or rent your personal information. We may share it only with:

• Credit bureaus and financial institutions (for loan verification)
• Regulatory authorities as required by law
• Service providers assisting with loan processing or website operations

6. Cookies

Our website uses cookies to improve user experience, track traffic patterns, and personalize content. You can disable cookies in your browser settings, but some features of the site may not function properly.

7. Your Rights Under POPIA

You have the right to:

• Access and correct your personal data
• Request deletion of your personal data
• Withdraw consent for data processing
• Lodge a complaint with the Information Regulator (South Africa)

8. Data Retention

We retain your data only for as long as necessary to fulfill the purposes for which it was collected or as required by South African financial regulations.

9. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be reflected on this page with an updated “last modified” date.

10. Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please contact us at:

• E-Finance Ltd, Johannesburg, South Africa
• privacy@efinance.co.za
• +27 11 456 7890

Last updated: October 2025