Personal Information Statement – InstantCash (Pty) Ltd
Effective Date: 14 November 2025
Responsible Party: InstantCash (Pty) Ltd (“we”, “us”, “our”)
1. Purpose of This Statement
This Personal Information Statement explains how we collect, use, store, share, and protect the
personal information you provide when applying for or using our payday/micro-loan services.
We are committed to complying with the Protection of Personal Information Act, 2013 (POPIA).
2. What Personal Information We Collect
We collect the following categories of personal information (as required to assess and manage your
loan):
2.1 Personal Identification
• Full name
• Identity number
• Date of birth
• Residential and postal address
• Contact details (phone, email)
2.2 Employment & Financial Information
• Employer name and details
• Monthly income and payslips
• Bank account details
• Recent bank statements
• Credit history and credit bureau data
• Affordability assessment information
2.3 Loan & Transaction Information
• Loan applications and agreements
• Repayment history
• Debit order information
2.4 Technical Information (if using our website or app)
• IP address
• Device details
• Website usage analytics
• Cookies and tracking data
3. How We Collect Your Information
We obtain your personal information through:
• Loan application forms (online or physical)
• Direct communication with you (calls, emails, SMS, WhatsApp)
• Credit bureaus
• Bank verification systems
• Third-party service providers
• Our website or mobile platforms
4. Why We Collect and Use Your Information
We use your personal information for the following purposes:
• To process and assess loan applications
• To verify your identity and prevent fraud
• To conduct credit checks and affordability assessments
• To manage your loan account and repayments
• To communicate with you regarding your loan
• To comply with legal and regulatory obligations
• To improve our services and customer experience
We use your information only for purposes that are lawful, legitimate, and necessary to our
operations.
5. Sharing of Your Personal Information
We may share your information with the following trusted parties:
• Registered credit bureaus
• Payment processors (e.g., debit order systems)
• Bank verification and identity confirmation services
• Regulated service providers assisting with IT, analytics, or collections
• Regulators or law enforcement when legally required
• Debt collection agencies for overdue accounts
We do not sell your personal information to any third parties.
6. Your Rights Under POPIA
You have the right to:
• Access your personal information
• Request corrections or updates
• Withdraw consent where applicable
• Object to processing under certain conditions
• Request deletion of your information (where legally permissible)
• Lodge a complaint with the Information Regulator
Information Regulator Contact:
Email: complaints.IR@justice.gov.za
Website: justice.gov.za/inforeg
7. Protection of Your Information
We take appropriate steps to protect your personal information, including:
• Secure servers and encrypted systems
• Strict access control
• Monitoring and cybersecurity measures
• Confidentiality agreements with service providers
Although we maintain strong safeguards, no system is completely secure.
8. Retention of Personal Information
We keep your information only for as long as required for:
• Loan processing and management
• Compliance with legal and financial regulations
• Record-keeping obligations
After this period, information will be securely deleted or anonymised.
9. Consent
By applying for or using our loan services, you:
• Confirm that the information you provide is accurate
• Authorise us to verify your information through third parties
• Consent to credit bureau checks and affordability assessments
• Consent to us processing your information according to this Statement
10. Contact Us
If you have questions or wish to exercise your POPIA rights, please contact:
InstantCash (Pty) Ltd
Email: compliance@instantcash.co.za
Phone: 087 149 2065
Address: 215, 24 Prince Street, Athlone Park, Durban, 4126