1. YOUR CONSENT
2. SECURITY & CONFIDENTIALITY
We respect 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 protect that information using secure socket layer (SSL) encryption technology and we employ firewalls and other security technologies to protect our servers from external attack.
Finally, we are subject to South African data protection laws, which we comply with.
3. PERSONAL INFORMATION
Personal information is information that identifies you or relates specifically to you, including your financial information, for example, your name, age and identity number, your assets (what you own) and liabilities (what you owe), your income, expenses and your payment records.
4. COLLECTION AND USE OF CLIENT’S AND OTHER DATA
Client information is collected in two ways, (a) from the application form and (b) from outside sources such as credit bureaus and customer service providers.
This information is needed to make sure what type of loan you qualify for and to ascertain whether in terms of the National Credit Act you are eligible to get a loan.
We may also use this data for, statistical analysis; to assess lending risks; to update your records; to do regulatory checks and to inform you about your loan application.
To improve our service, all calls to CAPISENSE will be recorded and/or monitored for quality checks and staff training. These recordings may also be used to identify and prevent fraud.
5. PERSONAL IDENTIFICATION NUMBER (“PIN”)
When you use the CAPISENSE Website or mobile application 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). This means that you should not share this PIN with anyone just like you would not share your normal bank card PIN.
6. DATA SHARING FOR SERVICE PROVISION
7. SELLING AND DISCLOSING YOUR DATA TO THIRD PARTIES
We may also sell your data (or otherwise pass it on) to selected third parties who may receive it as part of products or services which we offer and/or otherwise use it to contact you by post, telephone, email, SMS or other reasonable method in relation to offers they feel might interest you, whether or not we enter into an agreement with you.
By clicking the "I Accept" box, you hereby agree that we may disclose your personal information:
8. ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT
We 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 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 CAPISENSE' interest;
With your implied consent.
According to the Consumer Protection Act and section 45 of the ECT Act, you have the option to opt out of any mailing list maintained by CAPISENSE for commercial and marketing communications.
9. CONTACT FROM US AND THIRD PARTIES
By using our service and website you agree that we may be able to contact you at the contact details provided and that this contact is not only restricted to the purpose of the loan.
10. CONTACT FROM US FOR MARKETING PURPOSES
You may change your initial choice of being contacted for promotional purposes by logging into our website and change your communication preference.
11. THIRD PARTY LINKS
12. LOAN CRITERIA
Our loan criteria requires that you must be 18-years or older, be permanently employed for longer than 6 months and be a RSA citizen. A credit check and affordability analysis will be done to establish whether you will qualify for a loan or not.
14. UNDER WHICH LAW?