Effective Date: 14 November 2025

1. Introduction

InstantCash (Pty) Ltd (“we”, “us”, “our”) is committed to protecting your personal information and complying with the Protection of Personal Information Act (POPIA) of South Africa. This Privacy Policy explains how we collect, use, store, and protect your information when you apply for or use our payday/micro-loan services.
By using our services, you agree to the terms outlined in this Privacy Policy.

2. Information We Collect
We may collect the following personal information:

2.1 Personal Identification
•Full name
•ID number
•Date of birth
•Gender
•Residential address
•Contact details (phone, email)

2.2 Financial Information
•Bank statements
•Bank account number
•Salary information
•Employment details
•Credit history
•Affordability assessments

2.3 Device & Usage Data
•IP address
•Browser type
•Device information
•Website usage analytics

3. How We Collect Your Information
We collect information through:
•Loan applications (online or in-store)
•Direct communication (calls, email, SMS)
•Third-party verifications (e.g., bank verification systems)
•Credit bureaus and trusted service providers
•Cookies and website tracking technologies

4. How We Use Your Information
Your information is only used for lawful purposes, including:
•Assessing loan applications and affordability
•Verifying identity and preventing fraud
•Running credit checks
•Managing your account and loan repayments
•Communicating about your application or repayment schedule
•Complying with legal and regulatory requirements
•Improving our website, services, and customer experience

5. Sharing Your Information
We may share personal information with:
•Registered credit bureaus
•Payment processors (e.g., debit order systems)
•Verification services (e.g., bank account verification)
•Regulators and law enforcement (when required)
•Service providers who assist with IT, collections, and analytics
•Debt collection agencies in cases of non-payment
We will never sell your personal information.

6. Security of Your Information
We implement strict technical and organisational measures to protect your data, including:
•Encryption
•Secure servers
•Access control and authentication
•Regular security audits
Despite our safeguards, no system is completely secure, and we cannot guarantee absolute protection.

7. Your Rights Under POPIA
You have the right to:
•Access your personal information
•Correct or update your information
•Withdraw consent where processing is based on consent
•Object to certain types of processing
•Request deletion of your information (where possible)
•Lodge a complaint with the Information Regulator
Information Regulator Contact: Email: complaints.IR@justice.gov.za Website: justice.gov.za/inforeg

8. Data Retention
We keep your information only for as long as necessary for:
•Loan processing
•Compliance with legal and financial regulations
•Record-keeping obligations
After this period, information will be securely deleted or anonymised.

9. Marketing Communications
With your consent, we may send you marketing messages about our products or promotions. You may opt out at any time by clicking the “unsubscribe” link or contacting us directly.

10. Cookies and Website Tracking
Our website may use cookies to:
•Improve user experience
•Track website performance
•Personalize content
You may disable cookies in your browser settings, but some website features may not function correctly.

11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updated versions will be posted on our website with a revised effective date.

12. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact:
InstantCash (Pty) Ltd Email: compliance@instantcash.co.za Phone: 087 149 2065 Address: 215, 24 Prince Street, Athlone Park, Durban, 4126