Privacy Policy

This Privacy Policy explains how Neema Connect (Pty) Limited trading as Neema Connect Finance (“Neema Connect”, “we”, “us” or “our”) collects, uses, shares, and protects personal information when you visit or use our website at www.neemaconnect.com (the “Site”) and when you apply for or use our credit products and related services (collectively, the “Services”).

By using the Site or Services, you agree to this Privacy Policy.

1. Who we are

Neema Connect Finance provides online loan services and related support services to customers in South Africa. Our registration information displayed on the Site includes NCRCP22773 and Reg: 2022/123456/07.

2. Contact details (Responsible Party)

If you have questions, requests, or complaints about this Privacy Policy or your personal information, contact us at:

3. What information we collect

We collect information in three main ways: (a) information you provide directly, (b) information collected automatically when you use the Site, and (c) information we receive from third parties.

3.1 Information you provide directly

Depending on what you do on the Site (for example, completing an application form), we may collect:

C) Supporting documents: We may collect documents you upload as part of your application, such as bank statements, payslips, and a copy of your ID/passport/work permit.

D) Communications: Messages you send us and call records or notes (where applicable and lawful).

3.2 Information collected automatically

• IP address and approximate location
• Device type, browser type, and operating system
• Pages viewed, clicks, session activity, and timestamps
• Referring pages/links and basic diagnostic information

3.3 Information we receive from third parties

• Credit bureaus and credit reporting bodies (for credit checks)
• Banks and payment partners (for authentication)
• Fraud prevention and identity verification providers
• Debt collection partners (where applicable)

4. Why we use your information (purposes)

• Process and administer your loan application and customer profile
• Verify your identity and conduct affordability/credit assessments
• Make lending decisions and manage risk, including fraud prevention
• Set up and manage repayments (including debit order mandates and DebiCheck authentication)
• Communicate with you about your application, loan, repayments, and support queries
• Improve the Site, security, services, and customer experience
• Comply with applicable South African laws, regulations, and industry requirements

DebiCheck is commonly described as a digital mandate authentication process that allows a customer to authenticate a debit order mandate via bank channels, helping to prevent unauthorised debits.

5. Cookies and similar technologies

We use cookies to enable core site functionality, improve performance/security, understand site usage, and remember preferences. You can control cookies through your browser settings. If you disable cookies, parts of the Site may not work properly.

6. How we share your information

We may share personal information with:

• Service providers (hosting, email, analytics, CRM, security, payment) under confidentiality obligations
• Credit bureaus (for credit checks and reporting)
• Banks and payment processors (for payouts and mandates)
• Professional advisers (legal, accounting, auditors)
• Regulators or law enforcement if required by law
• A buyer/successor entity in case of a merger or sale

We do not sell your personal information for money.

7. International transfers

Some technology providers may store or process personal information outside South Africa. When this happens, we take reasonable steps to ensure suitable safeguards are in place consistent with applicable data protection requirements.

8. How we protect your information

We implement reasonable technical and organisational safeguards, including access controls, encryption in transit where appropriate, and security monitoring. No system is 100% secure. You use the Site and transmit information at your own risk.

9. Retention of information

We keep personal information only as long as necessary for the purposes described in this Policy, and as required or permitted by law and regulation.

10. Your rights (South Africa / POPIA)

Subject to POPIA and other applicable laws, you may have the right to:

• Request access to your personal information
• Request correction or deletion of personal information (where applicable)
• Object to certain processing in specific circumstances
• Lodge a complaint with the Information Regulator (South Africa)

To exercise your rights, contact us using the details in section 2.

11. Children’s privacy

Our Services are not intended for minors. We do not knowingly collect personal information from minors without appropriate lawful consent.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on the Site with an updated effective date.