Privacy Policy

1. Who we are

Loan Assure (Pty) (“Loan Assure”, “we”, “us” or “our”) provides loan enquiry, advisory and application-support services to individuals and businesses across South Africa, Canada, the USA and Australia. This Privacy Policy explains how we handle personal information collected through our website and services. In this policy, “personal information” means any information that identifies, or could reasonably identify, you.

2. Information we collect

We collect only the information we need to respond to your enquiry and provide our services. This may include:

• Contact details — such as your name, email address, phone number and location.
• Enquiry details — the loan amount, purpose, term and similar information you choose to share.
• Financial and eligibility information — where relevant to assess affordability, provided by you or with your consent.
• Technical data — such as your device type, browser and general usage information collected automatically when you visit our site.

You do not have to provide every piece of information, but some details are necessary for us to assist you effectively.

3. How we use your information

We use your personal information to:

• Respond to your enquiry and explain suitable loan options.
• Assess eligibility and affordability where you ask us to.
• Provide application support and communicate with you about your enquiry.
• Improve our website, services and customer experience.
• Meet legal, regulatory and responsible-lending obligations.

We do not sell your personal information, and we do not use it for purposes unrelated to those described here without letting you know.

4. How we share information

We may share your information only where necessary, for example with:

• Service providers who help us operate our website and deliver our services, under appropriate confidentiality obligations.
• Lending or verification partners where you ask us to progress an application, and with your knowledge.
• Authorities or regulators where we are required to do so by law.

We take reasonable steps to ensure anyone who handles your information on our behalf protects it appropriately.

5. Data security

We use reasonable technical and organisational measures designed to protect your personal information against loss, misuse and unauthorised access. While no method of transmission or storage is completely secure, we work to keep your information safe and to limit access to those who need it.

6. Data retention

We keep personal information only for as long as necessary to fulfil the purposes described in this policy, or for as long as required to meet legal, regulatory or reporting obligations. When information is no longer needed, we take steps to delete or anonymise it.

7. Cookies and analytics

Our website may use cookies and similar technologies to help the site function, remember your preferences and understand how the site is used. You can control or disable cookies through your browser settings, though some features may not work as intended if you do.

8. Your rights and choices

Depending on where you live, you may have the right to:

• Access the personal information we hold about you.
• Ask us to correct information that is inaccurate or incomplete.
• Request that we delete your information, where we are not required to keep it.
• Object to or restrict certain uses of your information.
• Withdraw consent you have previously given.

To exercise any of these rights, contact us using the details below. We will respond in line with the laws that apply to you.

9. International transfers

Because we operate across multiple countries, your information may be processed in a country other than your own. Where this happens, we take steps to ensure your information continues to be protected in line with this policy and applicable law.

10. Children’s privacy

Our services are intended for adults. We do not knowingly collect personal information from anyone under the age required to enter into a loan agreement in their country. If you believe a minor has provided us information, please contact us so we can remove it.

11. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we do, we will revise the “Last updated” date at the top of this page. We encourage you to review this policy periodically.