Privacy Policy

Privacy Policy - the basics

JP Cash Loan (“we”, “our”, “us”) is committed to protecting your privacy and ensuring that your personal information is handled responsibly, securely, and in compliance with the Protection of Personal Information Act (POPIA).

1. Information We Collect

We may collect and process the following types of personal information:

• Full name, ID/passport number, and proof of address

• Contact details (phone, email, physical address)

• Employment and income details

• Banking details (for debit order processing)

• Credit history and affordability assessments

• Communication records (SMS, email, phone calls)

2. How We Use Your Information

Your information is used to:

• Process loan applications and agreements

• Verify your identity and affordability status

• Conduct credit checks through registered bureaus

• Communicate regarding your loan status, repayments, or reminders

• Comply with legal and regulatory obligations

• Improve our services and customer experience

3. Sharing of Information

We may share your personal data with:

• Registered credit bureaus

• Payment processing providers (e.g., DebiCheck debit order)

• Debt collection agencies (if in default)

• Regulatory bodies where legally required

We will never sell or disclose your personal information to third parties for marketing without your consent.

4. Data Security

We take all reasonable steps to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

5. Your Rights

Under POPIA, you have the right to:

• Access the personal data we hold about you

• Request correction of inaccurate or outdated information

• Withdraw consent where processing is based on consent

• Lodge a complaint with the Information Regulator of South Africa

6. Retention

We will retain your information for as long as required by law and for purposes directly related to your loan agreement.