Privacy Policy

Last Updated: January 1, 2026

At FairLend Loans, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website and services.

1. Information We Collect

We collect the following types of information:

1.1 Personal Information

• Full name, date of birth, and place of birth
• Nationality and identification numbers (ID/Passport)
• Contact information (email, phone number, address)
• Employment and income details
• Bank account information
• Marital status and family information

1.2 Financial Information

• Income and employment details
• Bank statements and transaction history
• Credit history and credit scores
• Assets and liabilities
• Monthly expenses

1.3 Technical Information

• IP address and browser information
• Device information and operating system
• Website usage and browsing patterns
• Cookies and similar technologies

2. How We Collect Information

We collect information through:

• Loan application forms
• Direct communication (phone, email, in-person)
• Third-party sources (credit bureaus, employers)
• Website cookies and analytics
• Publicly available sources

3. How We Use Your Information

We use your personal information for:

• Processing and evaluating loan applications
• Verifying your identity and creditworthiness
• Managing your loan account and payments
• Communicating about your account and our services
• Complying with legal and regulatory requirements
• Preventing fraud and money laundering
• Improving our products and services
• Marketing and promotional communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

4.1 Service Providers

We engage trusted third-party service providers to perform functions on our behalf, such as:

• Credit bureaus and reference agencies
• Payment processing services
• IT and system administration services
• Marketing and communications services
• Legal and professional advisors

4.2 Legal Requirements

We may disclose your information when required by:

• Court orders or legal processes
• Regulatory authorities and government agencies
• Law enforcement agencies
• Prevention of fraud or criminal activity

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of sensitive data in transit and at rest
• Secure servers and data centers
• Access controls and authentication procedures
• Regular security assessments and audits
• Employee training on data protection

6. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements

Typically, we retain loan-related information for 7 years after the loan is closed.

7. Your Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Restriction: Request restriction of processing
• Portability: Request transfer of your information
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent at any time

To exercise these rights, please contact us using the information provided below.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Improve website functionality and user experience
• Analyze website traffic and usage patterns
• Personalize content and advertisements
• Remember your preferences

For more information, please see our Cookie Policy.

9. International Transfers

As we operate in multiple countries, your information may be transferred to and processed in:

• South Africa
• United Kingdom
• United States
• Malta

We ensure appropriate safeguards are in place for such transfers.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

• Data Protection Officer: dpo@fairlend.co.za
• General Inquiries: privacy@fairlend.co.za
• Phone: +27 11 123 4567
• Address: 45 Financial District, London, EC2N 1AR, United Kingdom