Privacy Policy

Last Updated: 24 November 2025

1. Introduction and Definitions

1.1 Purpose of This Policy

LoanHunters ("we", "us", "our", or "the Company") is committed to protecting your privacy and personal information in accordance with the Protection of Personal Information Act, 2013 (Act No. 4 of 2013) ("POPIA") and other applicable South African data protection laws.

This Privacy Policy explains how we collect, use, process, store, share, and protect your personal information when you use our website (loanhunters.co.za) and services. It also outlines your rights regarding your personal information and how to exercise those rights.

1.2 Key Definitions

In this Privacy Policy, the following terms have the meanings assigned to them:

• "Applicable Laws" means POPIA, the National Credit Act, 2005 (Act No. 34 of 2005), the Electronic Communications and Transactions Act, 2002 (Act No. 25 of 2002), the Consumer Protection Act, 2008 (Act No. 68 of 2008), and any other relevant South African legislation, regulations, or codes of conduct
• "Applicant" or "Customer" or "You" means any person who submits a loan application through our platform or uses our services
• "Credit Provider" or "Lender" or "Supplier" means any registered financial institution that provides credit products and is part of our partner network
• "Personal Information" means information relating to an identifiable, living, natural person, and where applicable, an identifiable, existing juristic person, as defined in POPIA
• "Processing" means any operation or activity, automated or not, concerning personal information, including collection, receipt, recording, organization, storage, updating, modification, retrieval, alteration, consultation, use, dissemination, merging, linking, restriction, erasure, or destruction
• "Special Personal Information" means personal information concerning religious or philosophical beliefs, race or ethnic origin, trade union membership, political opinions, health, sexual life, biometric information, or criminal behavior
• "Third Party" means any person or entity other than you or LoanHunters, including credit providers, credit bureaus, service providers, and regulatory authorities

1.3 Who We Are

LoanHunters is a credit intermediary service that connects consumers seeking credit with registered credit providers in South Africa. We do not provide credit ourselves but facilitate the connection between applicants and credit providers.

Our contact details are:

• Company Name: LoanHunters
• Website: https://loanhunters.co.za
• Email: support@loanhunters.co.za
• Phone: 086 129 3373
• Address: Cape Town, South Africa

2. Consent and Agreement

2.1 Your Consent

By submitting your personal information through our website, using our services, or clicking "Submit Application", you expressly consent to:

• The collection, processing, and storage of your personal information as described in this Privacy Policy
• The sharing of your personal information with credit providers for the purpose of processing your loan application
• The retention of your information in our database for future credit matching opportunities
• Being contacted by us and credit providers regarding your application and future credit opportunities
• Credit providers conducting credit checks and obtaining your credit reports from credit bureaus
• The processing of your personal information in accordance with applicable laws

2.2 Voluntary Submission

The submission of your personal information is voluntary. However, if you choose not to provide the required personal information, we will not be able to process your loan application or provide our services to you.

2.3 Withdrawal of Consent

You have the right to withdraw your consent for the processing of your personal information at any time by contacting us at privacy@loanhunters.co.za. However, please note that:

• Withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal
• We may still need to retain certain information for legal or regulatory compliance purposes
• Withdrawal of consent may prevent us from providing services to you in the future
• Information already shared with credit providers will be subject to their own privacy policies

2.4 Third-Party Information

If you provide personal information about other individuals (such as a spouse, dependents, or references), you warrant that:

• You have informed them that you are providing their information to LoanHunters
• You have explained how their information will be used and processed
• You have obtained their consent to provide their information to us
• They have been given access to this Privacy Policy

3. Information Officer

In accordance with POPIA, we have designated an Information Officer who is responsible for ensuring compliance with POPIA and handling requests regarding personal information.

Our Information Officer can be contacted at:

• Email: compliance@loanhunters.co.za
• Phone: 086 129 3373
• Address: Information Officer, LoanHunters, Johannesburg, South Africa

You may contact our Information Officer for any questions about this Privacy Policy, to exercise your rights under POPIA, or to raise concerns about how we process your personal information.

4. Personal Information We Collect

4.1 Categories of Personal Information

We collect various types of personal information necessary to facilitate loan applications and provide our services. The personal information we collect includes:

Identity Information:

• Full name and surname
• South African ID number or passport number
• Date of birth
• Gender
• Marital status
• Nationality and residency status

Contact Information:

• Physical residential address
• Postal address
• Mobile phone number
• Alternative phone numbers
• Email address
• Preferred contact method and times

Financial Information:

• Monthly gross income
• Monthly net income
• Source of income and employment status
• Employer name and contact details
• Monthly expenses (rent, utilities, transport, etc.)
• Existing debt obligations
• Bank account details (bank name, account number, account type)
• Credit score and credit history (obtained from credit bureaus)
• Loan amount requested and purpose

Employment Information:

• Current employer name and address
• Employment status (permanent, contract, self-employed, etc.)
• Job title and occupation
• Length of employment
• Employer contact details
• Pay date

Technical and Usage Information:

• IP address
• Browser type and version
• Device information (type, operating system)
• Pages visited on our website
• Time and date of visits
• Referring website
• Cookies and similar technologies (see Section 14)

Communication Records:

• Correspondence with us (emails, phone calls, messages)
• Application forms and supporting documents
• Records of consent and authorizations
• Feedback and survey responses

Other Information:

• Number of dependents
• Housing status (own, rent, living with family)
• Vehicle ownership
• References (personal or professional)
• Debt review status
• Any other information you voluntarily provide

4.2 How We Collect Information

We collect personal information through the following methods:

• Directly from you: When you complete our online application form, contact us, or communicate with us
• From credit bureaus: When credit providers request your credit report with your authorization
• From your employer: When verification of employment and income is necessary
• From your bank: When verification of banking details is required
• From publicly available sources: Such as company registries or regulatory databases
• Automatically: Through cookies and similar technologies when you use our website
• From third parties: Including credit providers who may share feedback about your application

4.3 Special Personal Information

We do not intentionally collect or process special personal information as defined in POPIA (such as information about race, health, religious beliefs, or sexual orientation) unless it is necessary for legal compliance or with your explicit consent. If we do collect such information, we will process it with additional safeguards and only for lawful purposes.

5. Lawful Purposes for Processing Personal Information

5.1 Legal Basis for Processing

We process your personal information only for lawful purposes and based on one or more of the following legal grounds:

• Consent: You have given explicit consent for the processing of your personal information
• Contract performance: Processing is necessary to provide our services to you
• Legal obligation: Processing is required to comply with applicable laws and regulations
• Legitimate interests: Processing is necessary for our legitimate business interests, provided your rights are not overridden

5.2 Purposes of Processing

We process your personal information for the following specific purposes:

Primary Purposes:

• Processing and submitting your loan application to appropriate credit providers
• Facilitating communication between you and credit providers
• Verifying your identity, employment, and financial information
• Conducting fraud prevention and detection checks
• Assessing your eligibility for credit products
• Matching your profile with suitable credit providers

Secondary Purposes:

• Maintaining a database of applicants for future credit matching opportunities
• Contacting you about your application status and outcomes
• Providing customer support and responding to your inquiries
• Improving our services and website functionality
• Conducting market research and analysis
• Complying with legal, regulatory, and contractual obligations
• Maintaining records for audit and compliance purposes
• Protecting our rights and interests
• Resolving disputes and enforcing agreements

Marketing Purposes (with separate consent):

• Sending you information about new credit products and services
• Notifying you of special offers or promotions from us or our partners
• Conducting surveys and requesting feedback
• Providing personalized content and recommendations

Note: We will only use your personal information for marketing purposes if you have provided separate consent for such use. You may opt out of marketing communications at any time (see Section 6.3).

5.3 Processing Principles

In accordance with POPIA, we process your personal information according to these principles:

• Accountability: We take responsibility for complying with POPIA
• Processing limitation: We process information lawfully, reasonably, and only for specified purposes
• Purpose specification: We collect information for specific, explicitly defined purposes
• Further processing limitation: We don't process information for secondary purposes incompatible with the original purpose
• Information quality: We ensure information is complete, accurate, not misleading, and updated where necessary
• Openness: We provide clear documentation of how we process information
• Security safeguards: We implement appropriate technical and organizational measures to protect information
• Data subject participation: We ensure you can exercise your rights regarding your personal information

6. How We Use Your Personal Information

6.1 Application Processing

When you submit a loan application, we use your personal information to:

• Review your application for completeness and accuracy
• Assess which credit providers in our network may be suitable for your needs
• Forward your complete application to one or more credit providers
• Facilitate communication between you and credit providers
• Track the status of your application
• Provide updates and notifications about your application

6.2 Verification and Due Diligence

We may use your personal information to:

• Verify your identity using ID verification services
• Confirm your employment and income with your employer
• Validate your banking details with your bank
• Check your information against fraud databases
• Conduct anti-money laundering and know-your-customer checks
• Ensure compliance with regulatory requirements

6.3 Database Retention and Future Opportunities

With your consent, we retain your personal information in our database to:

• Match your profile with future credit opportunities that become available
• Contact you when new credit providers join our network
• Inform you about credit products that may suit your needs
• Facilitate faster application processing if you apply again

Opt-Out Option: If you do not wish to be contacted about future credit opportunities, you may opt out by:

• Clicking the "unsubscribe" link in any email we send you
• Contacting us at privacy@loanhunters.co.za
• Calling us at 086 129 3373

6.4 Communication and Customer Service

We use your contact information to:

• Respond to your inquiries and provide customer support
• Send you important notices about our services or changes to our policies
• Request additional information or documentation if needed
• Provide updates about your application status
• Conduct customer satisfaction surveys

6.5 Website Improvement and Analytics

We use technical information and usage data to:

• Analyze how users interact with our website
• Identify areas for improvement in our services
• Enhance website functionality and user experience
• Troubleshoot technical issues
• Generate statistical and analytical reports

6.6 Legal and Regulatory Compliance

We may use your personal information to:

• Comply with legal obligations under the National Credit Act and other applicable laws
• Respond to requests from regulatory authorities or law enforcement
• Maintain records required by law
• Enforce our Terms and Conditions
• Protect our rights, property, and safety, as well as those of our users and partners
• Prevent fraud, crime, or misuse of our services

7. Disclosure and Sharing of Personal Information

7.1 Categories of Recipients

We may share your personal information with the following categories of third parties for the purposes described in this Privacy Policy:

Credit Providers (Primary Recipients):

• Registered credit providers in our partner network who may offer you credit
• Banks, micro-lenders, and other financial institutions
• We share your complete application information including all personal and financial details
• Credit providers use this information to assess your application and make lending decisions

Credit Bureaus:

• TransUnion, Experian, XDS, and other registered credit bureaus
• Credit providers access your credit report from these bureaus with your authorization
• Information about your application may be recorded on your credit profile

Service Providers and Agents:

• IT and technology service providers who host our website and systems
• Cloud storage providers
• Email and communication service providers
• Identity verification service providers
• Fraud detection and prevention services
• Customer support service providers
• Marketing and analytics service providers

Regulatory and Legal Authorities:

• National Credit Regulator (NCR)
• Financial Intelligence Centre (FIC)
• South African Revenue Service (SARS)
• Other regulatory bodies as required by law
• Law enforcement agencies when legally required
• Courts and legal advisors in connection with legal proceedings

Professional Advisors:

• Lawyers, auditors, and accountants
• Consultants and business advisors

Business Transfers:

• Potential buyers or investors in the event of a business sale, merger, or acquisition
• Successors in business in the event of restructuring

7.2 Conditions for Disclosure

We only disclose your personal information to third parties under the following conditions:

• You have provided consent for the disclosure
• Disclosure is necessary to fulfill our services to you
• Disclosure is required by law or by a court order
• Disclosure is necessary to protect our rights or property
• Disclosure is necessary to prevent fraud or crime
• The third party is acting as our processor and is bound by confidentiality obligations

7.3 Third-Party Responsibilities

When we share your personal information with third parties who process it on our behalf:

• We enter into written agreements requiring them to protect your information
• They must process information only according to our instructions
• They must implement appropriate security measures
• They must comply with POPIA and other applicable laws
• They must notify us of any data breaches

7.4 Credit Provider Privacy

Important: Once we share your information with credit providers, they become responsible controllers of your personal information. They will process your information according to their own privacy policies and practices. We recommend that you review each credit provider's privacy policy before accepting any credit offer.

7.5 No Sale of Personal Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.

7.6 Cross-Border Transfers

Your personal information is primarily processed and stored within South Africa. If we need to transfer your information outside of South Africa (for example, to cloud service providers with international infrastructure), we will:

• Only transfer to countries with adequate data protection laws, or
• Implement appropriate safeguards such as standard contractual clauses
• Obtain your consent where required by law
• Ensure the recipient is bound by legally enforceable obligations to protect your information

8. Data Retention and Storage

8.1 Retention Periods

We retain your personal information for different periods depending on the purpose for which it was collected and legal requirements:

Successful Applications:

• Application records: 5 years from the date of loan disbursement (NCR requirement)
• Communication records: 5 years from last communication
• Financial records: 5 years (tax and regulatory requirements)

Unsuccessful or Declined Applications:

• Application records: 5 years from application date (for potential future opportunities and regulatory requirements)
• Unless you request earlier deletion (subject to legal obligations)

Marketing Database:

• Contact information for marketing: Until you opt out or request deletion
• We review and update marketing lists annually

Website Usage Data:

• Analytics data: 24 months
• Log files: 12 months
• Cookies: As specified in our cookie policy (see Section 14)

Legal and Dispute Records:

• Records related to legal proceedings: Until conclusion of the matter plus 5 years
• Complaints records: 5 years from resolution

8.2 Lawful Purposes for Retention

We retain personal information for the following lawful purposes:

• Compliance with legal and regulatory obligations (National Credit Act, Tax Administration Act, etc.)
• Fulfillment of contractual obligations
• Establishment, exercise, or defense of legal claims
• Fraud prevention and detection
• Statistical analysis and business intelligence (in anonymized form)
• Responding to regulatory inquiries or audits

8.3 Data Destruction

When we no longer need to retain your personal information, we will:

• Securely delete electronic records from our systems and backups
• Destroy or anonymize physical documents
• Ensure third-party processors also delete your information
• Maintain records of destruction for audit purposes

8.4 Storage Security

We store your personal information:

• On secure servers located in South Africa or in jurisdictions with adequate data protection laws
• Using encryption for sensitive information
• With access controls limiting who can view your information
• With regular backups to prevent data loss
• In compliance with industry best practices and standards

9. Privacy and Security Measures

9.1 Our Commitment to Security

We are committed to protecting your personal information and have implemented appropriate technical and organizational measures to secure your information against unauthorized access, alteration, disclosure, loss, damage, or destruction.

9.2 Technical Security Measures

Our technical security measures include:

• Encryption: We use SSL/TLS encryption for data transmission between your browser and our servers
• Secure servers: Our servers are hosted in secure data centers with physical and electronic security
• Firewalls: We use firewalls to protect our network from unauthorized access
• Access controls: We implement role-based access controls limiting who can view your information
• Password protection: Systems are protected with strong passwords and multi-factor authentication
• Regular updates: We keep our systems and software updated with security patches
• Monitoring: We monitor our systems for suspicious activity and potential breaches
• Data backups: We maintain regular encrypted backups with secure off-site storage

9.3 Organizational Security Measures

Our organizational security measures include:

• Confidentiality agreements: All employees and contractors sign confidentiality agreements
• Training: Staff receive regular training on data protection and security best practices
• Access limitation: Only authorized personnel have access to personal information on a need-to-know basis
• Security policies: We maintain comprehensive information security policies and procedures
• Vendor management: We carefully select and monitor third-party service providers
• Incident response: We have procedures in place to respond to security incidents
• Regular audits: We conduct regular security audits and assessments

9.4 Your Security Responsibilities

While we implement robust security measures, we also encourage you to take steps to protect your own information:

• Keep your account credentials confidential and do not share them with others
• Use strong, unique passwords
• Be cautious about phishing emails or calls claiming to be from LoanHunters or credit providers
• Verify the authenticity of any requests for personal information
• Keep your devices and software updated with security patches
• Use secure internet connections (avoid public Wi-Fi for sensitive transactions)
• Report any suspicious activity or security concerns to us immediately

9.5 Security Breach Notification

In the event of a data breach that compromises the security, confidentiality, or integrity of your personal information, we will:

• Notify you as soon as reasonably possible after becoming aware of the breach
• Notify the Information Regulator as required by POPIA
• Provide details about the nature of the breach and information affected
• Advise you on steps you can take to protect yourself
• Describe the measures we are taking to address the breach and prevent future incidents
• Provide contact information for further inquiries

9.6 Limitations of Security

10. Your Rights Under POPIA

10.1 Overview of Rights

Under POPIA, you have specific rights regarding your personal information. We respect these rights and have established procedures to enable you to exercise them.

10.2 Right of Access

You have the right to:

• Request confirmation of whether we hold personal information about you
• Request access to your personal information
• Request information about how we have used or are using your personal information
• Request information about which third parties have received your personal information

How to exercise: Submit a written request to privacy@loanhunters.co.za or contact our Information Officer. We may require proof of identity before providing access.

Timeframe: We will respond within 30 days of receiving your request.

Cost: We may charge a reasonable fee for providing copies of records, in accordance with regulations under POPIA.

10.3 Right to Correction and Updating

You have the right to:

• Request correction of inaccurate or incomplete personal information
• Request updating of outdated personal information
• Provide additional information to complete incomplete records

How to exercise: Contact us at privacy@loanhunters.co.za with details of the corrections needed.

Our obligation: We will take reasonable steps to correct or update the information and notify relevant third parties if necessary.

10.4 Right to Deletion (Right to be Forgotten)

You have the right to request deletion of your personal information if:

• The information is no longer necessary for the purpose it was collected
• You withdraw consent and there is no other legal basis for processing
• You object to processing and there are no overriding legitimate grounds
• The information has been unlawfully processed
• Deletion is required by law

Limitations: We may not be able to delete your information if:

• Retention is required by law (e.g., National Credit Act requires 5-year retention)
• Processing is necessary for legal claims
• Processing is necessary for historical or statistical purposes (in anonymized form)

10.5 Right to Object

You have the right to object to:

• Processing of your personal information for direct marketing purposes (opt-out anytime)
• Processing based on legitimate interests (we must demonstrate compelling grounds)
• Automated decision-making that has legal effects on you

10.6 Right to Withdraw Consent

Where processing is based on your consent, you have the right to withdraw that consent at any time by:

• Emailing privacy@loanhunters.co.za
• Calling 086 129 3373
• Clicking "unsubscribe" in marketing emails

Note: Withdrawal of consent does not affect the lawfulness of processing before withdrawal.

10.7 Right to Data Portability

You have the right to:

• Receive your personal information in a structured, commonly used format
• Request that we transmit your information directly to another organization (where technically feasible)

10.8 Right to Restrict Processing

You may request restriction of processing if:

• You contest the accuracy of the information (during verification)
• Processing is unlawful but you don't want deletion
• We no longer need the information but you need it for legal claims
• You have objected to processing (pending verification of our legitimate grounds)

10.9 Automated Decision-Making

We do not make automated decisions that have legal effects or significantly affect you without human involvement. If this changes, we will:

• Inform you about the automated decision-making
• Provide information about the logic involved
• Explain the significance and consequences
• Provide you with the right to request human intervention

10.10 How to Exercise Your Rights

To exercise any of your rights:

• Email: privacy@loanhunters.co.za
• Phone: 086 129 3373
• Write to: Information Officer, LoanHunters, Johannesburg, South Africa

Please provide:

• Your full name and contact details
• Proof of identity (copy of ID or passport)
• Clear description of your request
• Specific information or records you're requesting (if applicable)

We will respond to your request within 30 days. If we need more time or additional information, we will notify you.

11. Complaints and Dispute Resolution

11.1 Internal Complaints Process

If you have concerns or complaints about how we handle your personal information, please contact us first:

• Privacy Complaints: privacy@loanhunters.co.za
• Information Officer: compliance@loanhunters.co.za
• General Complaints: complaints@loanhunters.co.za
• Phone: 086 129 3373

11.2 Our Complaints Process

When you submit a complaint:

• We will acknowledge receipt within 5 business days
• We will investigate the matter thoroughly
• We will provide a substantive response within 20 business days
• If more time is needed, we will inform you and provide regular updates
• We will explain our decision and any remedial actions taken

11.3 Escalation to the Information Regulator

If you are dissatisfied with our response or believe we have breached POPIA, you may lodge a complaint with the Information Regulator of South Africa:

• Information Regulator (South Africa)
• JD House, 27 Stiemens Street
• Braamfontein, Johannesburg, 2001
• P.O Box 31533, Braamfontein, Johannesburg, 2017
• Phone: +27 (0)10 023 5200
• Email: complaints.IR@justice.gov.za
• Website: https://www.justice.gov.za/inforeg/

11.4 Other Regulatory Bodies

For complaints related to credit services, you may also contact:

National Credit Regulator (NCR):

• Phone: 0860 627 627
• Email: complaints@ncr.org.za
• Website: www.ncr.org.za

12. Marketing Communications and Opt-Out

12.1 Marketing Consent

We will only send you marketing communications if you have provided separate, explicit consent for such communications. Marketing communications may include:

• Information about new credit products or services
• Special offers or promotions from us or our partners
• Newsletters and updates
• Surveys and feedback requests
• Personalized recommendations based on your profile

12.2 Types of Communications

We distinguish between:

• Essential communications: These are necessary for our service (application updates, security alerts, policy changes) and cannot be opted out of while using our services
• Marketing communications: These are promotional and you can opt out at any time

12.3 How to Opt Out

You can opt out of marketing communications at any time by:

• Clicking the "unsubscribe" link at the bottom of any marketing email
• Emailing privacy@loanhunters.co.za with "Unsubscribe" in the subject line
• Calling us at 086 129 3373
• Writing to us at our physical address
• Updating your preferences in your account settings (if applicable)

We will process your opt-out request within 10 business days. You may still receive essential communications about your account or applications after opting out of marketing.

12.4 POPIA Compliance for Marketing

All our marketing communications comply with POPIA, including:

• Obtaining your consent before sending marketing communications
• Clearly identifying ourselves as the sender
• Providing an easy opt-out mechanism in every communication
• Honoring opt-out requests promptly
• Not sending marketing communications to numbers on the National Opt-Out Registry

12.5 Third-Party Marketing

We will only share your information with third parties for their marketing purposes if you have provided separate, explicit consent for such sharing. You can withdraw this consent at any time.

13. Children's Privacy

Our services are not intended for or directed at individuals under the age of 18. We do not knowingly collect, process, or solicit personal information from children under 18 years of age.

If we become aware that we have collected personal information from a person under 18 without proper parental consent, we will take steps to delete that information as quickly as possible.

If you are a parent or guardian and believe that your child has provided personal information to us, please contact us immediately at privacy@loanhunters.co.za so we can take appropriate action.

14. Cookies and Tracking Technologies

14.1 What Are Cookies?

Cookies are small text files that are placed on your device when you visit our website. They help us provide a better user experience and understand how our website is being used.

14.2 Types of Cookies We Use

Essential Cookies:

• Required for the website to function properly
• Enable core functionality like security, network management, and accessibility
• Cannot be disabled without severely affecting website functionality

Functional Cookies:

• Remember your preferences and settings
• Enhance functionality and personalization
• Remember information you've entered on forms

Analytics Cookies:

• Help us understand how visitors interact with our website
• Collect information about pages visited, time spent on pages, and navigation patterns
• Used to improve website performance and user experience
• Data is typically aggregated and anonymized

Marketing/Advertising Cookies:

• Track your browsing activity to deliver relevant advertisements
• Limit the number of times you see an advertisement
• Measure the effectiveness of advertising campaigns
• May be set by third-party advertising networks

14.3 Third-Party Cookies and Analytics

We may use third-party services that place cookies on your device, including:

• Google Analytics: To analyze website traffic and user behavior
• Facebook Pixel: To measure advertising effectiveness and create targeted audiences
• Other analytics and marketing tools: As needed for business purposes

These third parties have their own privacy policies and may collect information independently. We recommend reviewing their privacy policies for more information.

14.4 Managing Cookie Preferences

You can control and manage cookies in several ways:

• Browser settings: Most browsers allow you to block or delete cookies through settings
• Cookie consent tool: Use our cookie preference center (if available) to manage non-essential cookies
• Opt-out tools: Use industry opt-out tools like the Network Advertising Initiative opt-out page
• Do Not Track: Enable Do Not Track in your browser (note: not all websites honor this signal)

Note: Blocking or deleting cookies may affect your ability to use certain features of our website and may require you to re-enter information.

14.5 Cookie Duration

• Session cookies: Temporary cookies deleted when you close your browser
• Persistent cookies: Remain on your device for a set period (from days to years) or until you delete them

14.6 Other Tracking Technologies

We may also use other tracking technologies such as:

• Web beacons/Pixels: Small graphics that allow us to count users and understand usage patterns
• Local storage: Technologies like HTML5 local storage used for similar purposes as cookies
• Device fingerprinting: Collecting device and browser characteristics to identify devices

15. Links to Third-Party Websites

Our website may contain links to third-party websites, including credit provider websites, social media platforms, and other services. These links are provided for your convenience and information.

Important: We do not control these third-party websites and are not responsible for their privacy practices or content. Each third-party website has its own privacy policy that governs how they collect, use, and protect your personal information.

We strongly recommend that you:

• Review the privacy policy of any third-party website before providing personal information
• Understand how your information will be used by that third party
• Exercise caution when sharing personal information on external websites
• Contact the third party directly with any privacy concerns

Once you leave our website and access a credit provider's or other third-party's website, their privacy policy applies, not ours.

16. Changes and Amendments to This Privacy Policy

16.1 Right to Amend

We reserve the right to modify, amend, or update this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or for other operational reasons.

16.2 Notification of Changes

When we make material changes to this Privacy Policy, we will notify you by:

• Posting a prominent notice on our website
• Updating the "Last Updated" date at the top of this policy
• Sending an email notification to registered users (for significant changes)
• Displaying a notification when you next log in or use our services (if applicable)

16.3 Review and Acceptance

We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the revised Privacy Policy.

If you do not agree with any changes, you should discontinue using our services and contact us to request deletion of your personal information (subject to legal retention requirements).

16.4 Material Changes Requiring Consent

If we make changes that significantly affect your rights or how we process your personal information in ways not covered by your original consent, we will seek your renewed consent before applying the changes to your existing personal information.

16.5 Version History

Previous versions of this Privacy Policy may be requested by contacting our Information Officer at compliance@loanhunters.co.za.

17. Contact Information

For any questions, comments, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

General Privacy Inquiries:

• Email: privacy@loanhunters.co.za
• Phone: 086 129 3373

Information Officer (POPIA Compliance):

• Email: compliance@loanhunters.co.za
• Phone: 086 129 3373
• Address: Information Officer, LoanHunters, Johannesburg, South Africa

Data Subject Rights Requests:

• Email: privacy@loanhunters.co.za
• Subject line: "POPIA Rights Request"

Privacy Complaints:

• Email: complaints@loanhunters.co.za
• Phone: 086 129 3373

Postal Address:

• LoanHunters
• Johannesburg, South Africa

Business Hours:

• Monday - Friday: 08:00 - 17:00 SAST
• Closed on South African public holidays

Website:

• https://loanhunters.co.za

18. Disclaimer and Important Legal Information

18.1 Compliance with Applicable Laws

This Privacy Policy is designed to comply with:

• Protection of Personal Information Act, 2013 (Act No. 4 of 2013)
• Promotion of Access to Information Act, 2000 (Act No. 2 of 2000)
• National Credit Act, 2005 (Act No. 34 of 2005)
• Electronic Communications and Transactions Act, 2002 (Act No. 25 of 2002)
• Consumer Protection Act, 2008 (Act No. 68 of 2008)
• Financial Intelligence Centre Act, 2001 (Act No. 38 of 2001)
• Relevant regulations and codes issued under these Acts

18.2 Interpretation and Consistency

This Privacy Policy should be read in conjunction with our Terms and Conditions. In the event of any inconsistency or conflict, this Privacy Policy shall prevail with respect to privacy and personal information matters.

18.3 Language

This Privacy Policy is drafted in English. If translated into other languages, the English version shall prevail in case of any inconsistency or dispute.

18.4 Severability

If any provision of this Privacy Policy is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

18.5 No Waiver

Our failure to enforce any provision of this Privacy Policy shall not constitute a waiver of that provision or any other provision.