Effective Date: 09/02/2025

Lali’s Cash Loan (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you apply for a loan or use our website.

1. Information We Collect

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

Personal Details: Full name, ID number, contact details, date of birth.

• Financial Information: Bank statements, proof of income, credit history.
• Employment Details: Employer name, job title, salary information.
• Transaction Data: Loan application details, repayment records.
• Device & Browsing Information: IP address, browser type, website activity.

2. How We Use Your Information

We collect and use your data to:
✅ Process and assess your loan application.
✅ Conduct creditworthiness checks.
✅ Verify your identity and prevent fraud.
✅ Communicate important updates regarding your loan.
✅ Improve our services and user experience.
✅ Comply with legal and regulatory obligations.

3. Sharing of Information

We do not sell your personal data. However, we may share it with:

• Credit Bureaus – To assess your credit score.
• Regulatory Authorities – If required by law or for fraud prevention.
• Payment & Banking Partners – To process transactions securely.
• Third-Party Service Providers – Assisting in loan processing (with strict confidentiality agreements).

4. Data Security

We implement industry-standard security measures to protect your personal data from unauthorized access, disclosure, or loss. However, no system is 100% secure, and we encourage you to take precautions when sharing sensitive information online.

5. Your Rights & Choices

You have the right to:
✔️ Access, update, or correct your personal information.
✔️ Request deletion of your data (subject to legal and financial obligations).
✔️ Withdraw consent for marketing communications.
✔️ Lodge a complaint with the Information Regulator of South Africa if your privacy rights are violated.

6. Cookies & Tracking Technologies

We may use cookies to enhance your browsing experience on our website. You can manage cookie settings in your browser.

7. Retention of Data

We retain your personal information for as long as necessary to fulfill legal, regulatory, and business obligations. Once no longer needed, we securely delete or anonymize it.

8. Updates to this Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and we encourage you to review it periodically.

9. Contact Us

If you have any questions about this Privacy Policy or your personal data, please contact us at:

📧 Email: service@laliscashloan.co.za
📞 Phone: +27798185065/+27712975841
📍 Address: Thohoyandou Mashapha Complex, Office No: B10