Introduction
Welcome to FinCraft (“we,” “us,” “our”). We are committed to protecting and respecting your privacy in accordance with the Protection of Personal Information Act (POPIA). This privacy policy explains how we collect, use, share, and protect your personal information when you visit our website, www.fincraft.co.za (the “Site”), or use our services.
1. Information We Collect
We may collect and process the following personal information about you:
- Personal Identification Information: Name, email address, phone number, ID number.
- Contact Information: Postal address, residential address.
- Financial Information: Salary details, credit history, bank details.
- Property Information: Details of the property you wish to finance, purchase price, bond amount.
- Technical Information: IP address, browser type, browsing activity on our site.
- Communication Data: Emails, phone call records, and other forms of correspondence.
2. How We Collect Your Information
We collect personal information in the following ways:
- Directly from You: When you fill out forms on our site, communicate with us via email, phone, or other means, and provide us with documents required for home loan bond origination.
- Automatically: Through the use of cookies and other tracking technologies when you interact with our site.
- From Third Parties: Credit bureaus, banks, or other financial institutions and service providers.
3. Use of Your Information
We use the personal information we collect to:
- Provide you with home loan bond origination services.
- Process your applications and requests.
- Conduct credit checks and assessments.
- Communicate with you regarding our services, updates, and promotional offers.
- Improve our website and services.
- Comply with legal obligations and protect our legal rights.
4. Sharing Your Information
We may share your personal information with:
- Financial Institutions and Credit Bureaus: To process your home loan applications.
- Service Providers: Who assist us in providing our services (e.g., IT support, marketing agencies).
- Legal and Regulatory Authorities: If required by law or to protect our legal interests.
- Business Partners: With your consent, for marketing purposes.
5. Security of Your Information
We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, theft, and loss. These measures include:
- Encryption of sensitive data.
- Secure storage solutions.
- Regular security assessments and audits.
- Access controls and authentication procedures.
6. Your Rights
Under POPIA, you have the following rights regarding your personal information:
- Access: You can request access to your personal information.
- Correction: You can request correction of inaccurate or incomplete information.
- Deletion: You can request deletion of your personal information under certain circumstances.
- Objection: You can object to the processing of your personal information.
- Withdrawal of Consent: You can withdraw your consent at any time, where processing is based on consent.
To exercise these rights, please contact us at warren@fincraft.co.za.
7. Cookies
Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device. You can control the use of cookies through your browser settings. However, disabling cookies may affect the functionality of our site.
8. Changes to This Privacy Policy
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of our site and services after any changes indicates your acceptance of the updated policy.
9. Contact Us
If you have any questions or concerns about this privacy policy or our privacy practices, please contact us at:
FinCraft
Mombela, Nelspruit
Email: warren@fincraft.co.za
Effective Date: 24 June 2024
By using our site and services, you acknowledge that you have read and understood this privacy policy and agree to our collection, use, and sharing of your personal information as described herein.