To use our application form you are subject to the Terms and Conditions set out below.

Please take a moment to read this.

You hereby declare that the information provided to Findme A Loan (Pty) Ltd and their credit providers is true and correct and that you are not currently insolvent, under administration, debt review or any debt restructuring program. You declare that you are a South African citizen between 18 and 65 years of age.

Based on the details that you have provided during your application, we will aim to find you the best loan available to you by searching the entire credit provider database that will assist you. We strive to find you a lender that will give you the amount that you’ve requested, otherwise we will prefer you a lender that best matches your specified requirements. Furthermore, you give us permission to send your details on to these credit providers to be able to assist you.

Our loan-finding service we provide is free of charge. And you we will not have to pay any fees to us nor will be request your banking details to process a debit order. Some of our credit providers might offer you a free credit check if you so require and will not be charged for this either.

You hereby state that you understand these Terms and Conditions and allow Findme A Loan (Pty) Ltd to send your details to our credit providers at no charge to you.

CONCLUSION

We strongly recommend that you only borrow what you can afford to repay within the loan terms. Our short-term loan solutions are not intended to meet your long-term, financial needs.

Findme A Loan (Pty) Ltd works as a broker/agent for multiple credit provider and cannot guarantee a successful loan application as each credit provider has its own credit policy and rules they adhere to. You agree to a credit check by any of our credit providers so they may see if you can afford and are in a position to repay the loan as well as behavioral patterns of repaying your accounts timeously.

 

We welcome you to our Privacy Policy. We are committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience.

Your personal information will be handled with utmost respect and privacy. Therefore, we have outlined our Privacy Policy as clearly as possible to assure you that your personal information will be treated confidentially.

If we have a duty to disclose your personal information in order to comply with a legal request or to enforce any regulation stated in our Terms and Conditions policy, we will do so at our own discretion. By using the Findme A Loan (Pty) Ltd website, you consent to the data practices described in this statement.

Our Privacy Policy applies to all current and former customers and may change from time to time. When you read our Privacy Policy, you will learn how we collect, process and use your personal information.

SECURITY, CONFIDENTIALITY AND DATA INTEGRITY

We are subject to the South African data protection laws to which we fully subscribe and are in strict compliance with.

We value your personal information just like you. Therefore, we take all precautionary steps to protect this from misuse, loss or unauthorized alteration. We have servers that stores all your personal information on a database that has built-in safeguards.

Our employees have access to this information on a need-to-know basis only, as all our web pages are access controlled. Due to the firewalls and latest security technology, our servers are protected from external attacks. We test and update our systems regularly to make sure that our security is not breached.

As the Internet is not a secure medium of communication, Findme A Loan (Pty) Ltd cannot guarantee the security of any information you put on our website or send to us via the Internet. We are not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. To minimize the possible risks associated with the provision of personal data, every online application on this website is encrypted we use encryption technology.

By agreeing to our Terms and Conditions you permit us to contact you about services or products which we believe you may be interested in, offered by us, companies in our group or other companies approved by us, or to carry out market research about our services or products or those of third parties. We may also pass information on to other companies approved by us so that they may contact you about services or products which they believe you may be interested in.

PERSONAL INFORMATION AND COLLECTION OF DATA

What is personal information?

It is information that identifies you and which relates to all your details.

How do we collect your personal information?

We collect your personal information from the data you provide on the online, application form. We use this information for various purposes, including, but not limited to, our products and services assessment, i.e., whether or not we think we can assist you in finding a loan, statistical analysis, development of products, enhancing of current products, and market research, etc.

We collect personally identifiable information, such as your email address, name, home or work address or telephone number, and all your financial particulars.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Facebook or any other social media public message boards, this information may be collected and used by others.

Sharing of Data for Service Provision

We share the data you submit with third parties involved in the process of providing the services you request, such as brokers, lenders, affiliates, cell phone providers, customer and financial service providers. We have trusted relationships with these carefully selected, third parties who perform services on our behalf. All service providers are bound by agreement to maintain the confidentiality and security of your personal information, and are restricted in their use thereof as per this Privacy Policy.

Direct Marketing

We will provide you with information about our new products, promotions, special offers and other information which we think you may find interesting. We may send you such information via email, mail, telephone or SMS in accordance with the information you have provided us with. We will continue to provide you with marketing material through specific methods of communication. This is a free service sent to you from our marketing department.

USE OF COOKIES

The Findme A Loan (Pty) Ltd website uses ‘cookies’ to help you personalize your online experience.

What is a Cookie?

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of a cookie is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize Findme A Loan (Pty) Ltd pages, or register with the Findme A Loan (Pty) Ltd website or services, a cookie helps Findme A Loan (Pty) Ltd recall your specific information on subsequent visits.

This simplifies the process of recording your personal information, such as billing or shipping addresses, etc. When you return to the same Findme A Loan (Pty) Ltd website, the information that you had previously provided can be retrieved, so you can easily use the Findme A Loan (Pty) Ltd features that you had customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Findme A Loan (Pty) Ltd services or websites you visit.

OPTING OUT

Should you wish to ‘Opt Out’ from receiving the above communications, simply click on the unsubscribe link or email us at marketing@fmal.co.za. Or click on the unsubscribe button/link on the email or SMS

CHANGES TO THIS POLICY

We will occasionally update this Privacy Policy to reflect company and customer feedback and encourage you to periodically review this policy to be kept informed of how we are protecting your information.