Privacy Policy

1. Introduction

DANSENTHA CASH LOANS (PTY) LTD (trading as XpressLoan) is committed to protecting your privacy and personal information in accordance with the Protection of Personal Information Act (POPIA).

2. Information We Collect

We collect the following types of information:

• Personal identification information (name, ID number, contact details)
• Financial information (bank account details, income information)
• Collateral information (details about items pledged as security)
• Application and loan transaction data

3. How We Use Your Information

We use your information to:

• Process loan applications and manage your account
• Comply with legal and regulatory requirements (NCR, FICA, etc.)
• Communicate with you about your loan
• Improve our services
• Prevent fraud and ensure security

4. Information Sharing

We may share your information with:

• Credit bureaus as required by the National Credit Act
• Payment processors for loan disbursement and repayment
• Regulatory authorities (NCR, FICA) when legally required
• Service providers who assist in our operations (under strict confidentiality)

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

6. Your Rights

Under POPIA, you have the right to:

• Access your personal information
• Correct inaccurate information
• Object to processing of your information
• Request deletion of your information (subject to legal requirements)

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal obligations (minimum 5 years as per NCR requirements).

8. Cookies and Tracking

Our website may use cookies to enhance user experience. You can control cookie settings through your browser.

9. Changes to Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or website notice.

10. Contact Us

For privacy-related questions or to exercise your rights:

Email: office@xpressloan.co.za
Phone: +27 60 258 4188
Address: 242 Marshall Street, JHB, 2000

11. Information Regulator

If you believe your privacy rights have been violated, you may lodge a complaint with the Information Regulator of South Africa.