FinChoice is committed to business practices in compliance with all applicable legislation, including the Protection of Personal Information Act 4 of 2014 (‘POPI’).
In this policy, “FinChoice” refers to any or all of (i) FinChoice a division of HomeChoice (Pty) Limited; (ii) FinChoice Africa Ltd – incorporated in Mauritius, and (iii) FinChoice Botswana – incorporated in Botswana, whichever applies in the context.
This policy sets out the categories of personal information we may collect from you or other sources, also when you make use of our mobi site or services, enter, or apply to enter into agreements with us. It also explains how we use your personal information.
The amended version shall supersede and replace all previous versions. If you have any questions about it or do not agree with it, please contact us directly at firstname.lastname@example.org.
By entering into any agreement with us, or by applying to enter any such agreement, or by using our mobi site, you agree to the terms of this policy.
When you use some electronic channels for transactions, like the mobi sites, you may be given an access number, username, password and/or personal identification number (PIN). You are responsible to keep all if this information confidential.
"Personal information" (or referred to simply as "information") includes any personal information as specified in POPI.
We collect information about you as follows:
We typically use and hold the following information about you:
We typically use personal information for the following purposes:
We aim to process personal information in a manner that is adequate, relevant and not excessive, considering our purposes of use.
FinChoice will only process information about children with the consent of a competent person (someone like the parent or guardian) or if POPI otherwise allows it. We do not intend to use any ‘special personal information’ as defined in POPI, other than health related information when we offer you credit insurance. Other special personal information for example includes political, religious or health-related information.
We will keep your personal information confidential and only share it for purposes set out in this policy or if you have consented thereto, or if we have a legal right or obligation to share it.
We have trusted relationships with third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information and to use it for our purposes only.
We may share information with the following parties:
When you apply to us for any financial product or service, we may request your credit report which will provide us with your credit profile.
Whether or not your application is successful, the credit bureau will place an enquiry (footprint) on your credit profile that may be seen by other credit providers. Large numbers of applications within a short time period may affect your credit profile.
We will report any security breach to both the Regulator and the individuals or companies involved.
If you want to report any concerns about our privacy practices or if you suspect any breach regarding your personal information, kindly notify us by sending an email to email@example.com.
You may, on reasonable grounds, object to us using your Information. If you object, we will stop using your information, except if the law allows its continued use.
If you believe we are using your information unlawfully, you may lodge a complaint to the Information Regulator with the following contact details:
We want to ensure that your information is accurate and up to date. You may ask us to correct any personal information that you think is inaccurate or request us to remove your information by sending an email to firstname.lastname@example.org.
You may request a record of personal information that we hold about you by sending an email to email@example.com.
We retain personal information in accordance with the required retention periods in law or for legitimate business purposes.
We will only retain your personal information for the purposes explicitly set out in this policy. We may keep personal information indefinitely in a de-identified format for statistical purposes.
This policy also applies when we retain your personal information.
We may transfer your personal information to foreign countries mainly for business purposes of companies within our group or for retention or if our service providers are cross border or use systems cross border.
If you continue to use our website, or apply to or enter into an agreement with us, you expressly agree that we may transfer the personal information cross border for these purposes.
We will only share Information cross border to recipients who have laws similar to POPI that apply to them, or who have entered into an agreement with us to include the relevant POPI principles.