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THE NEXT GENERATION OF RESPONSIBLE LOANS
Privacy Policy.
Our Privacy Policy
Welcome to CashPal. We believe you deserve the utmost respect when it comes to the security and use of your personal information, so we have described our Privacy Policy as clearly as possible in the summary below.
Our Privacy Policy applies to all current and former customers and may change from time to time. Please also read the loan terms and conditions (sent via email during the application), which provide further details of how we collect, process and use your personal information and should be read together with this Privacy Policy.
Your consent
By submitting your details and/or using our service you accept this Privacy Policy and expressly provide voluntary, specific and informed consent to the use and disclosure of your personal information in the manner described below. You have the right to object to our use of your personal information. Depending on the information you object to, we may not be able to proceed with your loan application/s as certain information is required for the conclusion or performance of this contract and we are obliged by law to obtain same.
Security and Confidentiality
We understand the value of your personal information and therefore will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. Your personal information is stored in databases that have built-in safeguards and firewalls to ensure the privacy and confidentiality of that information.
We recognise the need for appropriate protection and management of the personal information you share with us. We protect that information using secure socket layer (SSL) encryption technology and by limiting employee access on a need-to-know basis. We store data in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack.
Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required. We also test our systems regularly to make sure our security mechanisms are up to date.
Finally, we are subject to South African data protection laws, including the Constitution of the Republic of South Africa 1996, Protection of Personal Information Act 2013, the Electronic Communications and Transactions Act, 2002, the Regulation of Interception of Communication Act 2002, the National Credit Act 2005 read with the National Credit Amendment Act 2014 and the Consumer Protection Act 2008 which we comply with fully and give the greatest respect.
Personal Information
Personal information is information that identifies or relates specifically to you including your financial information, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. In short, any information that we know about you will be regarded as your personal information.
Collecting your data
We collect information about you in two ways - directly from your online application and also from outside sources such as credit bureaux and customer service providers. We may use data that identifies your personal information for a number of things including: statistical analysis; to develop and improve our products; to assess lending risks; to update your records; to identify which of our products, or our partners' products which might interest you; to identify and prevent fraud, money laundering and other criminal activities; to carry out regulatory checks, keeping you informed about your loan, and for market research; and in the products and services which we offer on behalf of third parties.
Collection and Use of Personal Information
In order to make your use of this loan product and electronic service offered by CashPal as successful as possible, it is necessary for us to find out exactly what you need and want from us and to ascertain whether in terms of the provisions of the National Credit Act you are eligible to get a loan. The following are some of the reasons why we would collect your personal information:
· to identify you;
· in order for us to process your instructions or requests;
· in order for us to ensure that you meet our lending criteria, we may collect and analyse your personal information and combine all the information that we have about you to compile a credit profile of you in order for us to grant you a loan and to meet your specific needs;
· once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you but will only do so with your permission. If any of this promotional information relates to products, promotions, news or services of a third party, and if you indicate that you would like more details, we may inform the third party to contact you directly. We will however, only inform a third party to contact you directly if you have indicated that this is agreeable to you.
In addition, we utilise your personal information for the other purposes set out in this Privacy Policy.
Additional data collection
In addition to the personal information you submit, we may collect information about your computer including, where available, your IP address, operating system and browser type - for system administration and to report aggregate information to our advertising partners which allow Us to have a better understanding of Our customer requirements and/or preferences by using cookies to track users as they travel from website to website recording what commercial advertisements they view and select while browsing.
This is statistical data about browsing actions and patterns and does not identify any individual. We may also obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognise you when you return to our site.
You can set your web browser to refuse cookies, but if you do this you may not be able to enjoy full use of the site and you may not be able to take advantage of certain promotions we may run from time to time. Please note that third parties who advertise on our site may also use cookies, but we do not have access to, or control over them and therefore cannot take responsibility for them. All advertisers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy.
We want to provide you with the best possible service, so calls to CashPal will be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud.
This website uses Google Analytics Premium, a web analytics service provided by Google Ireland Limited ("Google"). Google Analytics Premium uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookies about your use of the website and your current IP-address will be transmitted by your browser to and will be stored by Google on servers in the United States and other countries. On behalf of the operator of this website Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage to the website operator. The IP address collected through Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. You may also stop the transmission of information generated by the cookies about your use of the website and of your IP address to Google, by downloading and installing the Google Analytics Opt-out Browser Add-on available here:http://tools.google.com/dlpage/gaoptout.
“PIN”
When you use the CashPal Website and the services provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, access card, password and/or personal identification number (“PIN”).
Sharing your data for service provision
We share the data you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaus, customer service providers and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy. The service provider is required to notify us immediately where there are grounds to believe your personal information has been accessed or acquired by any unauthorised person.
By clicking the “I Accept” box, beneath the loan agreement and direct debit mandate you hereby agree that we may disclose your personal information:
· In the event we sell or buy any business or assets (in which case we may disclose your personal information to the prospective seller or buyer of such a business or assets)
· If our business or substantially all of its assets are acquired by a third party (in which case personal information held about customers will be one of the transferred assets)
· If we have a duty to disclose your personal information in order to comply with a legal request, or in order to enforce any of our terms and conditions
Foreign Parties
Because we work with some carefully selected partners outside of South Africa - in order to offer you our loans service - we may also need to transfer your personal information abroad. If and whenever this is the case, we will ensure the information is held securely to standards as least as good as those in South Africa and is only used for the purposes set out in this policy.
Right to request access to your personal information
As aforementioned, we are committed to the protection of your personal information and any information disclosed to third parties is only done so with our knowledge and express authorisation. You are entitled to request access to your information at a prescribed fee and to request that inaccurate, irrelevant, excessive, outdated, misleading or unlawfully obtained information be corrected, deleted or in the case of a dispute, indicate that a correction has been requested, but not made.
Electronic Communications and Transactions Act
We also voluntarily subscribe to the principles, outlined in Section 51 of the Electronic Communications and Transactions Act 2002 ('ECT Act'), which govern your right to having your personal information kept private. We briefly outline these principles below:
· We will only collect, collate, process and store ('use') your personal information with your permission as set out in this Privacy Policy, unless legally required to do so, and will only use such information for the lawful purpose for which it is required as set out in this Privacy Policy.
· We hereby disclose in writing, the specific purpose for which we use, request and store your personal information. We will also keep a record of that personal information and the specific purpose for which we have used it.
· We will not use your personal information for any purpose, other than that which we disclosed to you herein, unless you give us your express written permission to do so, or unless we are permitted/required to do so by law.
Further to the requirements of the ECT Act; we will disclose your personal information without your consent:
· If we are required to do so by law or a court order;
· If disclosure is in the public interest;
· If disclosure is in CashPal's interest;
· With your implied consent.
In terms of the Consumer Protection Act and section 45 of the ECT Act, you understand that you have the option to opt out of any mailing list maintained by CashPal for commercial and marketing communications (see the next paragraph for more information on how to opt out).
Contact from CashPal and third parties
As part of the application process, we ask you whether we or any of our partners may contact you about our products and services by telephone, post, email and SMS (or other reasonable method). If you ticked “yes” but no longer wish to receive such communications, please visit the My Account page, login and change your communication preference at any time, or follow the instructions in the message itself.You may also register on the National “Opt Out” register of the Direct Marketing Association of South Africa by going to www.dmasa.org.
We may transfer your personal information to selected third parties (see “Selling and disclosing your data to third parties” above). If at any time you wish to stop receiving such contact from a third party, you will need to follow the instructions about unsubscribing provided at that time by the third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.
Third party links
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering at CashPal you may receive follow-up contact and offers from third party companies as you have agreed to do by accepting this Privacy Policy and, while we only work with selected partners, we are not responsible for the services or representations of third parties.
Because we are not responsible for any representations or information or warranties or content on any website of any third party (including websites linked to this website or websites facilitated by us), we do not exercise control over third parties' privacy policies and you should refer to the privacy policy of any such third party to see how such party protects your privacy.
Age
To register with us you must be 18-years of age or older. Minors are strictly forbidden from using the service.
Changes to this Privacy Policy
We reserve the right, in our sole discretion to update, modify or amend (including without limitation, by the addition of new terms and conditions) this Privacy Policy from time to time with or without notice. You therefore agree to review the Privacy Policy whenever you visit the CashPal Website for any such change. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.
Which laws apply?
This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of South Africa. To the extent that a court has jurisdiction over any dispute which may arise out of or in connection with this Privacy Policy, we both submit to the jurisdiction of the South African courts.
Who to Contact?
Should you have any queries, please contact Us, CashPal, on info@cashpal.co.za
Terms of Use
WEBSITE TERMS OF USE
These terms (‘the Terms’) govern your (‘the User's’) use of the CashPal? (‘the Service Provider's’) website located at the domain name: www.wannaloan.co.za (‘the Website’). By accessing and using the Website, the User agrees to be bound by the Terms set out in this legal notice. If the User does not wish to be bound by these Terms, the User may not access, display, use, download, or otherwise copy or distribute any content obtained from the Website.
These Terms should be read in conjunction with our Privacy Policy, Responsible Lending Practice and Pre-Agreement Statement and Quotation.
UPDATING OF THESE TERMS
The Service Provider may change, modify, add to, or remove portions of these Terms. Changes to these Terms will become effective when the changes are posted on this Website. The Service Provider will notify the User of the changes via email, where possible, or by posting a prominent notice on the Website for a minimum of ten days after the changes have become effective. The User's continued use of this Website following the posting of changes or updates will be considered notice of the User's acceptance of these Terms, including any changes or updates.
CONTENT OF THE WEBSITE
While the Service Provider makes every effort to update the information on the Website on a regular basis, the Service Provider makes no representations or warranties (express or implied) as to the accuracy, completeness or reliability of any information, data and/or content shown on the Website.
The content expressed on this Website is of a general, informative nature, and should not be regarded as any advice whatsoever, whether of a financial nature or otherwise. Before acting on the opinion and ideas expressed on this Website, the User is encouraged to seek the appropriate advice from a requisite third party.
USE OF THE WEBSITE AND INDEMNIFICATION
Through accessing this Website, the User represents and warrants that he/she is legally entitled to do so. If the User subscribes to any of the Service Provider’s product offerings and/or services, then, and in such circumstances, the User warrants and represents that he/she is legally authorised and entitled to subscribe for such product offerings and/or services.
The User hereby indemnifies the Service Provider against any loss, liability, damage or expense of any nature whatsoever, which the Service Provider or any of its affiliates or third parties may suffer as a result of the breach of any warranty given by the User to the Service Provider, whether such breach is directly or indirectly caused.
The Service Provider reserves the right (at the Service Provider’s sole discretion) to modify, withdraw and/or deny the User access to this Website by any means whatsoever.
THE SERVICE PROVIDER'S DETAILS
CashPal Technology (Pty) Ltd trading as CashPal?
A private company duly registered and incorporated in terms of the company laws of the Republic of South Africa;
VAT registration number: N/A;
Registered credit provider: CashPal Technology (Pty) Ltd
With its physical address at: Emiline Pty Ltd , Unit 8, Church Street, Durbanville Cape Town
Contact Number:
Place of registration: Republic of South Africa;
Chief Executive Officer: Juan Ehlers
The main business of the Service Provider is to provide short-term, unsecured, monetary loans for Pay Day advance
Website: www.cashpal.co.za; email: info@cashpal.co.za
COPYRIGHT AND INTELLECTUAL PROPERTY RIGHTS
The Service Provider provides certain information on the Website. Content displayed on the Website, or provided in email format, is provided by the Service Provider, its affiliates or subsidiaries, or any other third party owners of the content (‘the Content’). All the proprietary works, and the compilation of the proprietary works, belong to the Service Provider, its affiliates or subsidiaries, or any third party owners of the rights (‘the Owners’), and the Content is protected by South African and international copyright laws.
The Service Provider may make changes to the Website, the Content or products or services offered through the Website at any time and without notice to the User. All rights in, and to, the Content is reserved and retained by the Owners. Except as specified in these Terms, the User is not granted a licence or any other right, including under copyright, trademark, patent or any other intellectual property rights in, or to, the Content or otherwise.
LIMITED LICENCE TO USERS
The Service Provider grants to the User a non-exclusive, non-transferable, limited and irrevocable (irreversible) right to access, display, use, download, and otherwise copy the current and future Content for personal, non-commercial and informative purposes only.
This Website and the Content may not be reproduced or otherwise exploited for any commercial purposes without the express, prior, written consent of the Service Provider.
The licence does not allow the User to collect product or service listings, descriptions, or other information displayed here, and does not allow any derivative (copied or derived) use of the Website or the Content for the benefit of another merchant. The User may not frame the Website or the Content without the express, written consent of the Service Provider.
The Service Provider and the Owners do not offer products or services to minors. If you are over the age of 18, you may act upon any offers, or make use of any services on the Website.
Any unauthorised use of the Website terminates this licence.
PERMISSION TO LINK TO THE WEBSITE
The User may not establish a hyperlink, frame, meta tag or any such similar reference, whether electronically or otherwise, to the Website or any subsidiary pages, without first obtaining the prior, written approval of the Service Provider. The Service Provider reserves the right to withhold or grant such approval subject to any terms upon which the Service Provider is willing to provide such approval.
CRAWLERS AND SPIDERS
The User may not use any technology whatsoever to search and/or gain information from the Website and/or the Service Provider without the Service Provider's prior, written approval.
LIMITATION OF LIABILITY
Subject to sections 43(5) and 43(6) of the Electronic Communications and Transactions Act 25 of 2002, and to the extent permitted by law, the Website and all Content on the Website, are provided on an ‘as is’ basis, and may include inaccuracies or typographical errors, and the Service Provider, Owners, employees, directors, partners, affiliates and agents will not be liable for any damage or loss or liability of any nature incurred by whoever as a result of any action or omission. The Service Provider and the Owners make no warranty nor representation as to the availability, accuracy or completeness of the Content, or any third party content accessible via an internet link.
Neither the Service Provider nor any holding company, affiliate or subsidiary of the Service Provider or Owners will be held responsible for any damage of any kind, related to the use of the Website, or the inability to access or use the Content or the Website or any functionality, or of any linked website to the extent permissible by law.
Without limiting the generality of the aforegoing, neither the Service Provider, Owners, employees, directors, partners, affiliates or agents shall be liable for, among other things, any loss of business, data, loss of profits, any failure and/or unavailability of the Website for any reason whatsoever, and/or the failure or delay by any third party service provider to render any services which are necessary to ensure the availability of the Website.
Information transmitted over the internet is susceptible to monitoring and interception by third parties. The User bears the sole and absolute risk of transmitting information in this manner. The Service Provider will not be liable for any loss, harm and/or damages suffered by the User as a result of transmitting information of any nature whatsoever to the Service Provider through the Website or otherwise.
The confidentiality of any unsolicited confidential or proprietary information sent to the Service Provider over the internet cannot be guaranteed by the Service Provider. If the User requires any confidential or proprietary information to be sent to the Service Provider, then the User may contact the Service Provider, and the Service Provider shall advise the User of the most appropriate method by which to transmit such information.
The Website is made available for public viewing on the basis that the Service Provider excludes, to the extent lawfully permitted, all liability of whatsoever nature for any loss, harm and/or damage howsoever arising out of the use of the Website, or reliance placed upon the content of the Website.
THIRD PARTY LINKS
The Website may, from time to time, include links to third party websites. It is hereby recorded that these links are provided in order to enhance certain featured content on the Website. These links are not intended to signify that the Service Provider endorses or otherwise has any responsibility for the content of the linked third party website. Use of these third party links are at the User's sole and absolute discretion and risk.
The Service Provider does not endorse nor approve (whether expressed or implied) any third party's advice, opinion, information or otherwise of any nature whatsoever.
NO CONTRACTUAL RELATIONSHIP
Nothing in the Website is intended to be, nor should be construed to be, an offer to enter into a contractual relationship with the User, save for these Terms and the Privacy Policy. Advertising of the Service Provider's product offering and services merely constitutes an invitation by the Service Provider to the User to make an application for credit. The Service Provider reserves the right to reject any application made by a User for any reason whatsoever. Should the Service Provider accept the User's application for credit, then such agreement shall be governed by, among other things, both these Terms and the Terms and Conditions relating to the credit loan itself.
APPLICABLE LAW
Use of the Website and/or any dispute arising in relation thereto shall be subject to the laws of the Republic of South Africa, and the User agrees to be bound to the exclusive jurisdiction of the courts of the Republic of South Africa. Either party shall be liable to the other for any and all costs occasioned in any legal action taken against the other on the scale as between attorney and client, including collection of commissions, if any.