M & J Kasi Loans (Pty) Ltd
Registration No: 2023 / 840315 / 07 | NCR Registration No: NCRCP20766

1. Introduction

M & J Kasi Loans (Pty) Ltd (“the Company”) is committed to protecting yourprivacy and ensuring that your personal information is collected and usedproperly, lawfully, and transparently in accordance with the Protection ofPersonal Information Act (POPIA).

The Company processes personal information on the lawful basis of data subject consent, contractual necessity, and compliance with legal obligations under theNational Credit Act and other applicable legislation.

2. Information We Collect

To provide micro-finance services and fulfil our legal obligations under theNational Credit Act, we must collect and process “Personal Information,” whichincludes:

• Identity Information: Full name, South African ID number, and copies of yourID document.
• Contact Information: Mobile number (WhatsApp) and physical address (Proofof Residence).
• Financial Information: Recent bank statements and bank account details.
• Employment Information: Latest payslips, proof of income, and employmentconfirmation letters.

3. How We Collect Data (WhatsApp Protocol)

Most personal information is submitted directly by you via WhatsApp. Byinitiating a loan application through this platform, you acknowledge that:

M&J POPIA and PRIVACY 1

• You are voluntarily providing this information for a specific purpose (loan assessment).
• While WhatsApp provides end-to-end encryption, you are responsible for thesecurity of your own device.
• The Company shall not be held liable for any data breaches or losses arisingfrom factors beyond its reasonable control, including third-party platformvulnerabilities or device-level security failures.

4. Purpose of Data Processing

We use your personal information for the following specific purposes:

• To verify your identity and employment status.
• To conduct mandatory credit and affordability assessments.
• To process loan payouts via EFT and manage repayments via debit order.
• To comply with legal and regulatory requirements from the National Credit Regulator (NCR).

5. Disclosure of Information

We will only share your information with third parties in the following instances:

• Credit Bureaus: To perform credit checks as required by law.
• Your Employer: Solely to verify employment status as part of the qualificationcriteria.
• Service Providers: To banks or payment gateways for processing your loanpayout and debit order.
• Legal Authorities: If required to do so by law or for the purpose of debtcollection in the event of default.

6. Data Security

The Company implements appropriate technical and organizational measures tosecure your data against unauthorized access, loss, or destruction. Yourdocuments are stored digitally and are only accessible by authorized personnelinvolved in the loan approval process.

7. Your Rights Under POPIA

As a “Data Subject,” you have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we update or correct inaccurate or out-of-dateinformation.
• Deletion: Request that we delete your data (subject to legal retention periodsrequired by the NCR).
• Objection: Object to the processing of your data at any time.

8. Data Retention

We retain your personal information only for as long as is necessary to fulfill thepurposes for which it was collected or to comply with statutory retention periodsmandated by South African financial laws.

9. Contact Our Information Officer

If you have any questions regarding this policy or how your data is handled, please contact us:

• Email: info@mnjkasiloans.co.za
• WhatsApp/Phone: 071 194 0741
• Physical Address: 10295 New Stand Dikweipi, Saulspoort, 0314

10. Complaints

You have the right to lodge a complaint with the Information Regulator of SouthAfrica if you believe your personal information has been mishandled:

• Website: https://inforegulator.org.za/
• Email: enquiries@inforegulator.org.za

11. Changes to This Privacy Policy

The Company reserves the right to amend this Privacy Policy from time to time.Any updates will be published on our website, and continued use of our servicesconstitutes acceptance of the revised policy.