PRIVACY POLICY


PREFACE


We welcome you to the wanna loan? Privacy Policy. wanna loan? are committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Policy, together with our Terms and Conditions, Responsible Lending Practice and our Pre-Loan Agreement will govern our relationship going forward.

INTRODUCTION

We at wanna loan? believe that your personal information should be handled with utmost respect and confidentiality. Therefore, we have outlined our Privacy Policy as clearly as possible to assure you that your personal information will be treated confidentially.

If we have a duty to disclose your personal information in order to comply with a legal request, or in order to enforce any regulation stated in our Terms and Conditions policy, we will do so at our own discretion. By using the wanna loan? website, you consent to the data practices described in this statement.

Our Privacy Policy applies to all our website visitors, whether or not the visitor decides to purchase our products or services. This Privacy Policy may change from time to time. When you read our Privacy Policy, you will learn how we collect, process and use your personal information.

SECURITY, CONFIDENTIALITY AND DATA INTEGRITY

We are subject to the South African data protection laws to which we fully subscribe and are in strict compliance with. We are a member of the Direct Marketing Association of South Africa and the South African Fraud Prevention Service and adhere to their code of conduct.

We at wanna loan? value your personal information just like you. Therefore, we take all precautionary steps to protect your personal information from misuse, loss or unauthorised alteration. We have developed a server that stores all your personal information on a database that has built-in safeguards and firewalls.

We protect your information by using Secure Sockets Layer (SSL) encryption technology through our security software supplied and managed by Thawte Inc. This level of protection can be easily identified by a green bar in our browser, indicating the security certificate and the details of the owners of the domain www.wannaloan.co.za. Our employees are given limited access to your information, depending on their security clearance. Your personal information is safe, secure and available only to you and those whom you have granted permission.

Our servers are hosted in a secure data centre manned 24 hours a day, seven days a week and use firewalls and other advanced security measures to prevent interference or access from outside intruders. We test and update our systems regularly to make sure that our security is not breached. We also have a dedicated team to monitor movement of information on our database.

COLLECTION OF DATA AND PERSONAL INFORMATION

What is Personal Information?

It is information that identifies you, and which relates to all your details.

How do we collect your Information?

We collect your data from the personal information you provide on the online application form, and from third party service providers and advertising affiliates.

wanna loan? collect personally identifiable information, such as your South African ID number, cell phone number, email address, full name and surname, home and/or work address or telephone number, living details and all your financial particulars. wanna loan? also collect anonymous, demographic information (which is not unique to you) such as your ZIP code, age, gender, preferences, interests and favourites.

Information about your computer hardware and software are also automatically collected by wanna loan? This information may include your IP address, browser type, domain names, access times and referring website addresses. This information is used by wanna loan? for the operation of our service, to maintain a high quality of service, and to provide general statistics to the regulators regarding use of the wanna loan? website.


Why do we collect and use your Personal Information?

When we receive your personal information, we use it for the following reasons, but not limited to:

Identifying you;
Carrying out the necessary regulatory checks;
Identifying and preventing possible fraudulent activity, as mandated by the South African Fraud Prevention Service;
Market research;
Statistical reporting;
Keeping you informed of the latest updates, products and services we and our third party service providers and affiliates may offer; and
Obtaining, from time to time, your personal information held by the Compuscan credit bureau.


This information forms part of our Responsible Lending Practice, mandated by the National Credit Act, in determining whether or not we may grant you a loan and assessing your ability to repay the loan through conducting the necessary affordability checks. Furthermore, we use this information to determine whether or not you meet our minimum, lending criteria.

Please note that we are a registered credit provider as per the National Credit Act of 2005, and as such have an obligation to carry out these regulatory checks.

Third Parties

wanna loan? engage the services of third parties that help with our online communications. They may collect and use the information about you to determine your interests in certain products or services, thereby promoting certain types of advertising that are most appealing to you.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through our wanna loan?, public message boards, this information may be collected and used by others. wanna loan? encourage you to review the privacy statements of websites you choose to link to from wanna loan? so that you can understand how those websites collect, use and share your information. We at wanna loan? are not responsible for the privacy statements or other content on websites outside of the wanna loan? website and the wanna loan? family of websites.

Passwords and the use of a ‘One-Time Pin’

We may, from time to time, supply you with login credentials and a One-Time Pin. These are to be used when accessing certain sections of our website. It is your duty to protect these details from third parties. If you, for whatever reason, suspect that these details have been used by someone other than yourself, then contact our customer service department immediately on 0861-189-200.

USE OF COOKIES

The wanna loan? website uses ‘cookies’ to help you personalise your online experience.

What is a Cookie?

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalise wanna loan? pages, or register with the wanna loan? website or services, cookies will help wanna loan? to recall your specific information on subsequent visits.

This simplifies the process of recording your personal information, such as billing and shipping addresses, etc. When you return to the same wanna loan? website, the information that you had previously provided can be retrieved, so that you can easily use the wanna loan? features that you customised.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the wanna loan? services or websites you visit.


SHARING OF DATA SERVICE PROVISIONS

We may, from time to time, share the data that you submit with third parties such as marketing affiliates, customer service providers and financial service providers that are involved in the process of providing the services you request.

We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by agreement to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy.

Please note that by accessing this website and providing your personal information, you give us permission to pass your information on to other parties should we see fit. If you do not want us to use or pass on your information in this manner, then please read our instructions at the end of this policy on ‘opting out’.

Direct Marketing

We will provide you with information about our new products, promotions, special offers and other information which we think you may find interesting. We may send you such information via email, mail, telephone or sms. We will continue to provide you with marketing material through specific methods of communications. This is a free service sent to you from our marketing department.

Opting Out

Should you wish to opt out from receiving marketing (or related) communications from third parties that we are affiliated with, you can simply click on the unsubscribe link, email us at talktous@wannaloan.co.za or call us on 0861-189-200.

You may also register on the National ‘opt out’ register of the Direct Marketing Association of South Africa by going to www.dmasa.org


CHANGES TO THIS STATEMENT

wanna loan? will occasionally update this statement of privacy to reflect company and customer feedback. We at wanna loan? encourage you to periodically review this statement so that you may be kept informed of how we are protecting your information.

CONTACT INFORMATION

wanna loan? welcome your comments regarding this statement of privacy. If you believe that we have not adhered to this statement, please contact us at talktous@wannaloan.co.za. We will do our utomost to determine and promptly remedy the problem.