HomePrivacy Policy
Privacy Policy
How EzyFund collects, uses, shares and protects your personal information, and the rights you have under the Protection of Personal Information Act (POPIA).
The Short Version
The main points first. The full policy below is what legally applies.
- We only collect the information we need to process your application and answer your messages.
- We share your application with a registered lender only when you agree to it.
- We use service providers, such as our web host, to run the website, and they must keep your information safe.
- Analytics cookies only run if you accept them.
- You can ask to see, correct or delete your information, or object to how we use it.
1About This Policy
This policy explains how EzyFund (“we”, “us”, “our”) processes personal information when you use www.ezyfund.co.za, apply through our loan service or send us a message. We are the responsible party for this information under the Protection of Personal Information Act 4 of 2013 (POPIA).
Please read it together with our Terms & Conditions.
2Information We Collect
Information you give us when you apply, such as:
- your name, South African ID number and date of birth;
- your cellphone number, email address and home address;
- your employment details, income and monthly expenses;
- your bank name and account type;
- the loan amount and term you are interested in.
Information you give us when you contact us: your name, email address, cellphone number (if you add it) and your message.
Information collected automatically: your IP address, browser and device type, the pages you visit and how you use the website. Some of this is collected through cookies (see section 8).
We don’t ask for special personal information, such as your health, religion or biometric data. Please don’t include it in your messages.
3Why We Use Your Information
We use your personal information to:
- process your application and send it to a registered lender when you ask us to;
- reply to your messages and help with your questions or complaints;
- keep the website secure and prevent fraud and misuse;
- understand how the website is used so we can improve it, if you accept analytics cookies;
- meet our legal and regulatory obligations.
We only process your information where POPIA allows it: with your consent, to take steps you have asked for (such as sending your application), to comply with the law, or where it is necessary for our legitimate interests (such as security) and doesn’t override your rights.
4Who We Share It With
- Registered lenders. When you apply and agree, we send your application to a credit provider registered with the National Credit Regulator so that they can assess it. The lender then processes your information under its own privacy policy, including checking your credit record with a credit bureau.
- Service providers. Companies that help us run the website, such as our web host, email delivery and (if you accept them) analytics providers. They may only use your information to provide their service to us and must keep it secure.
- Authorities. Regulators, law enforcement or courts, when the law requires it or to protect our rights.
We may receive a fee from a lender when we introduce you to them. We tell you this so that you understand how our free service is paid for.
5Information Sent Outside South Africa
Some of our service providers may store or process information on servers outside South Africa. When this happens, we only transfer your information as POPIA allows, for example where the recipient is bound by laws or agreements that give it a similar level of protection, or with your consent.
6How Long We Keep It
We keep personal information only for as long as we need it for the purposes in this policy, or for as long as the law requires us to keep it. After that, we delete or de-identify it.
7How We Protect It
We protect your information with reasonable technical and organisational measures, including:
- encrypting information sent between your browser and the website (HTTPS);
- limiting access to people and providers who need it;
- using reputable hosting and service providers.
No website can be completely secure. If we believe your personal information has been accessed without authorisation, we will notify you and the Information Regulator as POPIA requires.
8Cookies
Cookies are small files stored on your device. We use:
- Essential cookies that the website needs to work, including one called ez_consent that remembers your cookie choice for 12 months.
- Application form cookies. The application form on our Apply page is run by FinanceServiceIO, which sets its own session cookies (such as financeServiceIoSessionId) so the form works. These cookies are only set on the Apply page.
- Analytics cookies, such as Google Analytics, but only if you click “Accept all”. They help us understand how visitors use the website.
Our website also loads fonts from Google Fonts, which means your browser connects to Google’s servers to display the text.
You can change your choice at any time using the Cookie settings link, which also appears in the footer. You can also block or delete cookies in your browser settings.
9Direct Marketing
We will only send you marketing messages if you have agreed to receive them. Every message will tell you how to opt out, and you can also ask us to stop at any time through our Contact Us page.
10Your Rights
Under POPIA, you have the right to:
- ask whether we hold personal information about you and request a copy of it;
- ask us to correct information that is wrong, incomplete or out of date;
- ask us to delete information we no longer have a lawful reason to keep;
- object to us processing your information, including for direct marketing;
- withdraw your consent at any time (this doesn’t affect processing that has already happened);
- complain to the Information Regulator.
To use any of these rights, send us a message through our Contact Us page and choose “My personal information”. We may ask you to confirm your identity before we act on your request. If your information has already been shared with a lender, you may also need to contact the lender directly.
11Children
Our service is only for people aged 18 and older. We don’t knowingly collect personal information from children. If you believe a child has given us their information, please contact us so that we can delete it.
12Changes To This Policy
We may update this policy from time to time, for example when the law changes or we change how we work. The date at the top of this page shows when it was last updated.
13Contact Us And Complaints
If you have a question about this policy or how we handle your information, please contact us. Privacy requests are handled by our Information Officer. You can email info@ezyfund.co.za or write to us at Westway Office Park, 18 The Boulevard, Westville, Durban, 3629, South Africa.
If you are not happy with our response, you can complain to the Information Regulator of South Africa through its website at inforegulator.org.za.
Questions About Your Information?
Send us a message, pick “My personal information” from the list, and tell us what you need. Seeing your data, fixing it or deleting it.