Who we are?
LoanDirect is not a credit provider or lender. We are a broker that offers to find the best debt management
and or loan provider. We have partnered with several financial institutes in the industry. LoanDirect is
committed to respecting your right to privacy and protecting your personal information. We have strict
standards to ensure your privacy is protected in accordance with the Privacy laws of South Africa, our
policies and procedures

Information Collection
We will collect information such as your name, postal and email address, date of birth, financial details,
and any other information we consider necessary. The information we collect, and hold is for the purposes
of:

•  Assessing your application and identifying you as required by FICA
• Providing you with ongoing management and administration of our products and services;
•  Providing you with information about LoanDirect products or services from time-to-time.

In certain cases, we collect your personal information from third parties, such as credit reporting agencies,
your nominated representative (such as a legal or financial adviser), your employer, or publicly available
sources of information. If you do not provide some or all the information that we seek to collect from you,
we may not be able to provide our services to you.

Storage
The security of your personal information is important to us, and we take reasonable steps to protect it
from misuse and loss and unauthorised access, modification or disclosure. LoanDirect regularly reviews
developments in security and encryption technologies. Unfortunately, no data transmission over the
Internet can be guaranteed as completely secure. Although we take stringent measures to protect
customer information, we cannot ensure the security of any information you provide to us, and you do so
at your own risk

Use and Disclosure

Where your personal information is given to us, we will seek to ensure that the information is used for the purposes for which it was collected. Your personal information may be disclosed to:

• Those involved in maintaining, reviewing and developing our business systems, procedures and infrastructure;
• Our partners in financial transactions, including financial institutions, merchants and payment organisations;
•  Credit bureaus, debt collection agencies, National Credit Regulator and any organisations involved in our normal business practices;
•  Your nominated representatives as required or authorised by law, for example, to government or regulatory bodies;
•  Offer you other products or services, which we believe may be of interest or benefit to you that we or our partners might have available and where you have given your consent

Access and Complaints

We are required to provide you access to your information, except in circumstances where:

• Access would pose a serious threat to the life, health, or privacy of any individual
•  The information relates to a commercially sensitive decision-making process
• It is considered frivolous or vexatious request; or
•  Access would be unlawful or prohibited by authorities

Please visit our contact page for our details if you wish to

•  Request access to your information
•  Seek correction of your information, or
•  Make a complaint to us about privacy matters.

Change

LoanDirect may at any time vary its Privacy Policy and Terms of Use by publishing the updated policies on the website. We encourage you to check our website regularly for any updates to our Privacy Policy We also use information related to your consumer creditworthiness, information which we would have accessed through authorised credit bureaus in South Africa