Privacy policy

1. Why this policy exists

Nthandizi Financial Services uses personal information to provide financial services, assess applications, manage accounts, communicate with clients and meet our legal responsibilities. This policy explains the information we collect and how we look after it.

2. Information we collect

• Identity and contact information, including your name, National ID, phone number, address and email.
• Employment, income, banking, guarantor and next-of-kin details supplied during verification.
• Loan applications, decisions, transactions and repayment records.
• Account, device and security information needed to operate and protect the platform.

3. How we use information

• To create and secure your account.
• To verify your identity and assess eligibility and affordability.
• To process loan requests and manage repayments.
• To send service messages and respond to questions.
• To detect misuse and comply with applicable legal or regulatory requirements.

4. When information may be shared

We limit access to people who need the information for their work. Information may also be shared with authorised service providers, credit or regulatory bodies, professional advisers, or authorities when the law or the delivery of the service requires it. We do not sell personal information.

5. Security and retention

We use technical and organisational safeguards to protect personal information. We keep records only for as long as they are needed for the service, a legitimate business purpose or a legal obligation.

6. Your choices and rights

You may ask to access or correct your information and, where the law allows, request deletion or object to certain uses. Some financial records must be retained even after an account is closed.

7. Cookies

The platform uses essential cookies for sign-in, security and preferences. You can control non-essential browser storage through your browser settings.

8. Contact us

Questions about this policy can be raised with the Nthandizi branch team.