Privacy Policy

 Privacy Policy

Effective date November 1, 2017

INTRODUCTION

We at FinClub believe that your personal information should 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 FinClub 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 are a member of the Direct Marketing Association of South Africa and adhere to their code of conduct. Where we store data on servers outside of South Africa, we use locations that have the same or better protection laws than South Africa.

We at FinClub value your personal information just like you. Therefore, we take all precautionary steps to protect this from misuse, loss or unauthorised alteration. We have developed a server that stores all your personal information on a database that has built-in safeguards and firewalls.

We protect your information by using Secure Sockets Layer (SSL) encryption technology. 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. We also have a dedicated team to monitor movement of information on our database.

As the Internet is not a secure medium of communication, FinClub cannot guarantee the security of any information you put on our website or send to us via the Internet. FinClub 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 minimise the possible risks associated with the provision of personal data, every online application on this website is encrypted using 128-bit encryption, the latest and most powerful encryption technology available.

This ensures that information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link called a Secure Sockets Layer (SSL), encrypts all the information passing between your browser and our FinClub online applications.

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, and whether you qualify for our Legal and ID Assist service, statistical analysis, development of products, enhancing of current products, and market research, etc.

FinClub collect personally identifiable information, such as your email address, name, home or work address or telephone number, and all your financial particulars. FinClub also collect anonymous, demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favourites.

Information about your computer hardware and software are also automatically collected by FinClub. This information can include your IP address, browser type, domain names, access times and referring website addresses. This information is used by us for the operation of our services, to maintain quality of our services, and to provide general statistics regarding use of the FinClub website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through the FinClub public message boards, this information may be collected and used by others. FinClub encourage you to review the privacy statements of websites you choose to link to from FinClub, so that you can understand how those websites collect, use and share your information. FinClub are not responsible for the privacy statements or content on websites outside of the FinClub website and the FinClub family of websites.

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 FinClub website uses 'cookies' to help you personalise 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 personalise FinClub pages, or register with the FinClub website or services, a cookie helps FinClub 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 FinClub website, the information that you had previously provided can be retrieved, so you can easily use the FinClub features that you had customised.

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 FinClub 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 This email address is being protected from spambots. You need JavaScript enabled to view it.. You may also register on the National 'Opt Out' register of the Direct Marketing Association of South Africa by going to www.dmasa.org

CHANGES TO THIS POLICY

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

CONTACT INFORMATION

FinClub welcome your comments regarding this Privacy Policy. If you believe that we have not adhered to this policy, please contact FinClub at This email address is being protected from spambots. You need JavaScript enabled to view it..We will do our utmost to determine and promptly remedy the problem.