Privacy Policy

Welcome to Afri Finance ("we", "us", "our"). This Privacy Policy explains how we collect, use, store and protect your personal information when you use our website https://afrifinance.loan, submit a loan application, or otherwise interact with our services. We are committed to protecting your privacy and handling your personal information in accordance with the Protection of Personal Information Act (POPIA) and applicable financial regulations.

1. Information We Collect

We collect and process personal information that is necessary to provide financial services, assess loan applications and comply with legal obligations.

• Identity & contact: full name, email address, phone number, physical address.
• Personal data: date of birth, ID number (where required for verification), employment status.
• Financial data: monthly income, expenses, other debts, bank account ownership confirmation — only where necessary for affordability assessment.
• Automated data: IP address, device/browser information, pages visited, cookies and analytics data.

2. How We Use Your Information

We use your personal information for legitimate business purposes, including:

• Verifying identity and preventing fraud;
• Assessing affordability and creditworthiness;
• Processing and evaluating loan applications and related communications;
• Complying with regulatory and legal obligations (NCR, NCA);
• Improving our website, services and customer support;
• Where you have given consent, for marketing communications (you may opt out).

3. Legal Basis for Processing

We process personal information on one or more of the following bases:

• Your consent (e.g. when you submit a loan form);
• Legal obligation (e.g. compliance with National Credit Act and reporting requirements);
• Legitimate interest (e.g. fraud prevention, service improvement, credit assessments).

4. Sharing Your Information

We will not sell your data. We may share information where required and only with trusted partners:

• Registered credit bureaus and verification services for affordability and credit checks;
• Payment processors and banks for disbursements and fees;
• Third-party service providers who support our operations (subject to confidentiality and data protection agreements);
• Regulatory or law enforcement bodies where required by law.

5. Data Security

We implement reasonable technical and organisational measures to protect your data, including secure transmission (HTTPS), access controls, encryption where appropriate and regular security reviews. While we take steps to protect data, no system is 100% secure — if you suspect a security issue, contact us immediately.

6. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes described or to meet legal and regulatory obligations:

• Application and contract records: up to 5 years (or as required by law);
• Support and communication logs: retained as needed to resolve queries;
• Analytics data: aggregated or anonymised where possible and retained for up to 26 months.

7. Cookies & Tracking

We use cookies and similar technologies to operate the site, improve user experience and for analytics. You can manage cookies via your browser settings; disabling cookies may affect site functionality.

8. Your Rights (Under POPIA)

You have the right to:

• Request access to your personal data;
• Request correction of inaccurate or incomplete data;
• Request deletion/erasure where applicable;
• Withdraw consent where processing is based on consent;
• Object to direct marketing;
• Complain to the Information Regulator if you believe your rights are breached.

To exercise any of these rights, contact us at the address below.

9. International Transfers

If we transfer personal information outside South Africa (for example to cloud providers or service partners), we will ensure appropriate safeguards are in place to protect your personal information consistent with POPIA.

10. Children

Our services are for individuals 18 years or older. We do not knowingly collect personal information from minors under 18.

11. Changes to This Policy

We may update this policy from time to time. We will publish the revised policy on this page and update the "Last updated" date.

12. Contact

If you have questions or wish to exercise your rights, contact: