Introduction

Welcome to our privacy policy. We are Unifi Credit (Pty) Ltd (Registration number 2010/019713/07) (“Unifi”/ “us” / “we”) and this is our plan of action when it comes to protecting your privacy. We respect your privacy and take the protection of personal information very seriously. The purpose of this policy is to describe the way that we collect, store, use, and protect information that can be associated with you or another specific natural or juristic person and can be used to identify you or that person (personal information).

Please note that Unifi is a private limited liability company duly registered and operating in accordance with the laws of South Africa. For more information regarding your personal information lawfully stored or used by Unifi, please contact Heinz Essmann, who will gladly assist.

Not all terms are necessarily defined in order or may be defined in our other agreements or policies. Please ensure that you read all the provisions below and our other Unifi rules and policies which may apply from time to time and are made available to you, to understand all of your, and our, rights and duties.

This Privacy Policy complies with, and facilitates the obligations required from, the South African Protection of Personal Information Act, No. 4 of 2013 (“POPI”), as amended.

Users with citizenships from jurisdictions other than South Africa, please note that Unifi complies with all South African data protection laws when processing your personal information pursuant to the Services as we are a South African entity operating in the South African market.

It is important that you read this Privacy Policy together with any other privacy policy or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you, so that you are fully aware of how and why we are using your data.

This Privacy Policy supplements the other notices and is not intended to override them.

Data Subjects Covered by This Policy

This policy applies to you if you are:
● A visitor to our website; or
● A customer who has requested the services that we provide.

This policy applies to you under certain circumstances.

Our Data Processing Roles and Information Officer

Unifi is the “Responsible Party” and is responsible for your personal data in instances where we decide the processing operations concerning your personal data. We will also operate as an “Operator” of personal data on behalf of users/clients who make use of our Website and Services to process their data for their purposes.

For clarity, parties who provide us with their own data subjects’ data via the Services/Website for processing will remain the Responsible Party for their data, where we will operate exclusively as the Operator for such data. Should we receive any engagements about our processing of such data, we will direct the relevant data subject to the client user to account for the processing as the data subject’s Responsible Party.

We have appointed an Information Officer (“IO”) at Unifi who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions about this Privacy Policy, including any requests to exercise your legal rights, please contact the IO using the details set out below.

● Full name of legal entity: Unifi Credit (Pty) Ltd
● Name of Information Officer: Heinz Essmann
● Email address: [email protected]
● Postal address: 2nd Floor, Golden Mile Building, 265 Durban Road, Oakdale, Bellville,
7530
● Telephone number: 021 110 0600

You have the right to make a complaint at any time to the South African regulator’s office (Information Regulator’s Office of South Africa). We would, however, appreciate the chance to deal with your concerns before you approach any such regulator, so please contact us in the first instance.

Changes to the Privacy Policy and Your Duty to Inform Us of Changes

This Privacy Policy version was last updated in April 2025 and historic versions are archived and can be obtained by contacting us. We may change the terms of this policy at any time by updating this web page. We will notify you of any changes by placing a notice in a prominent place on the website or by sending you an email detailing the changes that we have made and indicating the date that they were last updated.

If you do not agree with the changes, you must stop using the website and our services. If you continue to use the website or services following notification of a change to the terms, the changed terms will apply to you and you will be deemed to have accepted those updated terms.

We will try to keep the personal information we collect as accurate, complete, and up to date as is necessary for the purposes defined in this policy. From time to time we may request you to update your personal information on the website. You are able to review or update any personal information that we hold on you by accessing your account online, emailing us, or phoning us.

Please note that in order to better protect you and safeguard your personal information, we take steps to verify your identity before granting you access to your account or making any corrections to your personal information.

Third-Party Links on Website or Otherwise

The Website may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements or terms. When you leave our Website, or engage with such third parties, we encourage you to read the distinct privacy policy of every third party you engage with.

The Personal Information We Process

Personal information includes:
● Certain information that we collect automatically when you visit our website.
● Certain information collected on registration (see below);
● Certain information collected on submission; and
● Optional information that you provide to us voluntarily (see below);

but excludes:
● Information that has been made anonymous so that it does not identify a specific person;
● Permanently de-identified information that does not relate or cannot be traced back to you specifically;
● Non-personal statistical information collected and compiled by us; and
● Information that you have provided voluntarily in an open, public environment or forum, including any blog, chat room, community, classifieds, or discussion board (because the information has been disclosed in a public forum, it is no longer confidential and does not constitute personal information subject to protection under this policy).

Common Examples

Common examples of the types of personal information which we may collect, and process include your:

● Identifying information – such as your name, date of birth, or identification number of any kind;
● Contact information – such as your phone number or email address;
● Address information – such as your physical or postal address; or
● Demographic information – such as your gender or marital status.

Sensitive Personal Information

Depending on the services that you require, we may also collect sensitive personal information, including your:
● Financial information – such as your bank account details;
● Sensitive demographic information
● Employment information

Lawful Grounds for Processing

We will only use your personal data when the law allows us to and for legitimate reasons, which you hereby expressly understand and consent to. Most commonly, we will use your personal data in the following circumstances:
● Where we have your express consent to do so;
● Where we need to consult with you or perform on the Services contract we are about to enter into or have entered into with you;
● Where it is necessary for our legitimate interests (or those of a third party) and your
interests and fundamental rights do not override those interests; and/or
● Where we need to comply with a legal or regulatory obligation.

Consent to Collection

We will obtain your consent to collect personal information:

● In accordance with applicable law;
● When you provide us with any registration information or optional information.

Acceptance Required

You must accept all the terms of this policy when you request our services. If you do not agree with anything in this policy, then you may not request our services. You may not request our services if you do not accept this policy.

Legal Capacity

You may not access our website or request our services if you are younger than 18 years old or do not have legal capacity to conclude legally binding contracts.

Deemed Acceptance

By accepting this policy, you are deemed to have read, understood, accepted, and agreed to be bound by all of its terms.

Your Obligations

You may only send us your own personal information or the information of another data subject where you have their permission to do so.

Collection of Your Data

We have listed below the various methods for how we derive/collect personal data from you:

On Registration
Once you register on our website, you will no longer be anonymous to us. You will provide us
with certain personal information when you register on our website.
This personal information will include:
● Your name and surname;
● Your email address;
● Your telephone number;
● Your company name or the name of your employer
● Your postal address or street address; and
● Your username and password.

We will use this personal information to fulfill your account, provide additional services and information to you as we reasonably think appropriate, and for any other purposes set out in this policy.

On Request

When you request our services, you will be asked to provide us with additional information on a voluntary basis (services information).

From Browser

We automatically receive and record Internet usage information on our server logs from your browser, such as your Internet Protocol address (IP address), browsing habits, click patterns, version of software installed, system type, screen resolutions, color capabilities, plug-ins, language settings, cookie preferences, search engine keywords, JavaScript enablement, the content and pages that you access on the website, and the dates and times that you visit the website, paths taken, and time spent on sites and pages within the website (usage information). Please note that other websites visited before entering our website might place personal information within your URL during a visit to it, and we have no control over such websites.
Accordingly, a subsequent website that collects URL information may log some personal information.

Cookies
We may place small text files called ‘cookies’ on your device when you visit our website. These files do not contain personal information, but they do contain a personal identifier allowing us to associate your personal information with a certain device. These files serve a number of useful purposes for you, including:
● Granting you access to age-restricted content;
● Tailoring our website’s functionality to you personally by letting us remember your
preferences;
● Improving how our website performs;
● Allowing third parties to provide services to our website; and
● Helping us deliver targeted advertising where appropriate in compliance with the
applicable laws.

Your internet browser generally accepts cookies automatically, but you can often change this setting to stop accepting them. You can also delete cookies manually. However, no longer accepting cookies or deleting them will prevent you from accessing certain aspects of our website where cookies are necessary. Many websites use cookies, and you can find out more about them at www.allaboutcookies.org.

Third-party Cookies

Some of our business partners use their own cookies or widgets on our website. We have no access to or control over them. Information collected by any of those cookies or widgets is governed by the privacy policy of the company that created it, and not by us.

Web Beacons

Our website may contain electronic image requests (called a single-pixel gif or web beacon request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner) can act as a web beacon.

Our web beacons do not collect, gather, monitor or share any of your personal information. We merely use them to compile anonymous information about our website.

We collect certain information from web beacons on our website to compile anonymous information about our website.

Optional Details

You may also provide additional information to us on a voluntary basis (optional information). This includes content or products that you decide to upload or download from our website or when you enter competitions, take advantage of promotions, respond to surveys, order certain services, or otherwise use the optional features and functionality of our website.

We collect certain optional information that you provide when you upload or download content from our website or when you enter competitions, take advantage of promotions, respond to surveys or register and subscribe for certain additional services.

Recording Calls

We may monitor and record any telephone calls that you make to us.

Purposes for Collecting Your Data

We may use or process any services information, or optional information that you provide to us for the purposes that you indicated when you agreed to provide it to us. Processing includes gathering your personal information, disclosing it, and combining it with other personal information. We generally collect and process your personal information for various purposes, including:
● Services purposes – such as collecting requests for and providing our services;
● Marketing purposes – such as pursuing lawful related marketing activities;
● Business purposes – such as internal audit, accounting, business planning, and joint
ventures, disposals of business, or other proposed and actual transactions; and
● Legal purposes – such as handling claims, complying with regulations, or pursuing good governance.

We may use your usage information for the purposes described above and to:
● Remember your information so that you will not have to re-enter it during your visit or the next time you access the website;
● Monitor website usage metrics such as total number of visitors and pages accessed; and
● Track your entries, submissions, and status in any promotions or other activities in
connection with your usage of the website.

We may use any of your personal information that you provide to us for the purposes that you indicated when you agreed to provide it to us.

Use of Your Data
We may use your personal information to fulfill our obligations to you.

Messages and Updates

We may send administrative messages and email updates to you about the website. In some cases, we may also send you primarily promotional messages. You can choose to opt-out of promotional messages.

Targeted Content

While you are logged into the website, we may display targeted adverts and other relevant information based on your personal information. In a completely automated process, computers process the personal information and match it to adverts or related information. We never share personal information with any advertiser, unless you specifically provide us with your consent to do so. Advertisers receive a record of the total number of impressions and clicks for each advert. They do not receive any personal information. If you click on an advert, we may send a referring URL to the advertiser’s website identifying that a customer is visiting from the website.
We do not send personal information to advertisers with the referring URL. Once you are on the advertiser’s website, however, the advertiser is able to collect your personal information. We may use your information for targeted content in certain, specified instances.

Disclosure of Your Data to Third Parties

We share your personal information with third-party service providers, advertising partners, and analytics platforms to enhance our service offerings and advertising efforts. The personal data shared may include contact information, usage data, and tracking data (including identifiers) as necessary for the specific service. Below is a detailed breakdown of the third parties involved and the purposes for which they use the data:

Sharing

By virtue of the services we provide, we have to share some limited personal data with external third parties to assist in providing you with the Unifi Services. These contracted and secure third-parties are listed below, alongside the nature of the data transferred, as well as the reason for such transfer.

Third parties:

1)

Name: Experian

Information: RSA ID Number, First Name, Last Name, Gender, Date of Birth, Address

Reason: Credit assessment

2)

Name: Amplifin

Information: RSA ID Number, First Name, Last Name, Bank details

Reason: Bank account verification, Debit order collection

3)

Name: Hyphen

Information: RSA ID Number, First Name, Last Name, Bank details

Reason: Disbursement of funds

Regulators

We may disclose your personal information as required by law or governmental audit.

Law Enforcement

We may disclose personal information if required:
● By a subpoena or court order;
● To comply with any law;
● To protect the safety of any individual or the general public; and
● To prevent violation of our customer relationship terms.

We may also disclose personal information to third parties if required for legal reasons.

No Selling

We will not sell personal information. No personal information will be disclosed to anyone except as provided in this privacy policy.

Marketing Purposes

We may disclose aggregate statistics (information about the customer population in general terms) about the personal information to advertisers or business partners.

Advertising and Behavioral Targeting

These services allow us to use your data for targeted advertising. We utilize trackers and usage data to display advertisements that are tailored to your interests and behaviors. Some of these services may use behavioral retargeting techniques, which display ads based on your interactions with our website and may extend to your behavior on other platforms.

Google Ads Conversion Tracking (Including Offline Conversions)

Service Provider: Google Ireland Limited

We use Google Ads to measure and improve the performance of our advertising campaigns. When you take certain actions—such as submitting a loan application or signing a contract—we may upload relevant data to Google Ads (known as "offline conversions") to help us understand which ads led to valuable actions.

To enable accurate conversion matching, we also collect the Google Click Identifier (GCLID) when you interact with our ads. This identifier is stored and later matched with offline events submitted to Google Ads.

The data shared with Google may include personally identifiable information (such as your email address or phone number), which is hashed and securely transmitted to Google, in accordance with industry standards.

● Personal Data Processed: Trackers, Usage Data, GCLID, Contact Information (e.g.,
hashed email or phone number)
● Purpose: Advertising performance measurement and optimization
● Legal Basis for Processing: Consent
● Conditions for Data Transfer: Data may be processed by Google outside the EEA,
subject to appropriate safeguards
Privacy Policy: Google Privacy Policy
● Opt-out Link: Google Ad Settings

Meta Ads Conversion Tracking (Meta Pixel)

Service provider: Meta Platforms, Inc.

Meta Pixel tracks conversions and helps us analyze the performance of our ads across
Facebook, Instagram, and the Meta Audience Network. This service allows us to serve
personalized ads based on user interactions with our website.

Personal Data Processed: Trackers, Usage Data
Legal Basis for Processing: Consent
Conditions for Data Transfer: EU-U.S. Data Privacy Framework
Service Provider: Meta Privacy Policy
Opt-out Link: Meta Opt-out

Google Ads Similar Audiences

Service provider: Google Ireland Limited

This service uses data from our remarketing lists to display ads to users with similar behaviours to existing visitors. It helps Google Ads personalize ad targeting for similar audiences.

Personal Data Processed: Trackers, Usage Data
Legal Basis for Processing: Consent
Conditions for Data Transfer: No data transfer outside the EEA
Service Provider: Google Privacy Policy
Opt-out Link: Google Ad Settings

Microsoft Clarity

Service provider: Microsoft Corporation

Clarity is a session recording and heatmapping tool that helps us understand how users interact with our website. It tracks page interactions such as clicks, mouse movements, and scrolling behaviour.

Personal Data Processed: Usage Data, Session Data
Legal Basis for Processing: Consent
Service Provider: Microsoft Privacy Policy
Opt-out Link: Clarity Opt-out

Opting Out

You can ask us or authorised third parties to stop sending you marketing messages at any time by contacting us or the relevant third party at any time and requesting us to cease or change your marketing preferences.

Where you opt out of receiving these marketing messages, this opt-out will not apply to other personal data of yours which we process for another lawful basis.

Employees

We may need to disclose personal information to our employees that require the personal information to do their jobs. These include our responsible management, human resources, accounting, audit, compliance, information technology, or other personnel.

Change of Ownership

If we undergo a change in ownership, or a merger with, acquisition by, or sale of assets to another entity, we may assign our rights to the personal information we process to a successor, purchaser, or separate entity. We will disclose the transfer on the website. If you are concerned about your personal information migrating to a new owner, you may request us to delete your personal information.

Security

We take the security of personal information very seriously and always do our best to comply with applicable data protection laws. Our hosting company will host our website in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders. We authorize access to personal information only for those employees who require it to fulfill their job responsibilities. We implement disaster recovery procedures where appropriate

Retention

We will only retain your personal information for as long as it is necessary to fulfil the purposes
explicitly set out in this policy, unless:
● Retention of the record is required or authorised by law; or
● You have consented to the retention of the record.

During the period of retention, we will continue to abide by our non-disclosure obligations and will not share or sell your personal information.

We may retain your personal information in physical or electronic records at our discretion.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data, any other South African applicable law requiring us to retain the data, and whether we can achieve those purposes through other means, and the applicable legal requirements.

Details of retention periods for different aspects of your personal data are available from us by contacting us.

In some circumstances, you can ask us to delete your data; see below for further information. In some circumstances, we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

We will only retain your personal information for as long as is necessary.

Transfer to Another Country

We may transmit or transfer personal information outside of the country in which it was collected to a foreign country and process it in that country.

Whenever we transfer your personal data out of either territory, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

● We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the Information Regulator’s Office of South Africa; and/or
● Where we use certain service providers, we may use specific contracts/clauses approved by the Information Regulator’s Office which give personal data the same protection it has in South Africa.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of South Africa. We may transfer your personal information outside the country in which it was collected to a foreign country.

Your Legal Rights

In relation to our processing of your data, you have the right to:
● Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
● Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may
need to verify the accuracy of the new data you provide to us.
● Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no valid reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be communicated to you, if applicable, at the time of your request.
● Object to processing of your personal data where we are relying on a legitimate
interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

● Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
○ If you want us to establish the data’s accuracy;
○ Where our use of the data is unlawful, but you do not want us to erase it;
○ Where you need us to hold the data even if we no longer require it as you need it to establish, exercise, or defend legal claims; or
○ You have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

● Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform on a contract with you.
● Withdraw consent at any time where we are relying on consent to process your
personal data. However, this will not affect the lawfulness of any processing carried out
before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain Website access or Services to you. We will advise you if this is the case at the time you withdraw your consent. Please take note that regardless of your right to withdraw consent under POPI, other South African legislation applies and may require that we continue to process your data in order to comply with anti-corruption,
crime-fighting and/or other national legislation, which you expressly understand and
agree to.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Enquiries

If you have any questions or concerns arising from this privacy policy or the way in which we handle personal information, please contact us.