Privacy Policy

Last Updated: 2026

1. Our Commitment to Your Privacy

Sure Loan ("we," "us") respects your privacy and is committed to protecting your personal information in line with the Protection of Personal Information Act (POPIA). We have structured our Privacy Policy for this purpose and it applies to all our customers, past and present.

Please ensure that you have thoroughly read through our Terms and Conditions alongside our Privacy Policy. These documents describe how we will gather, process and use your personal information.

Please note that our Privacy Policy may be subject to changes from time to time, in which case we will provide sufficient notification of such changes.

2. Information We Collect

We collect information necessary to process your loan application, including:

  • Personal Details: Full name, ID number, and contact information.
  • Financial Details: 3-month bank statements, proof of income, and credit history (sourced from registered bureaus).
  • Technical Data: IP address and mobile device identifiers via cookies for security and fraud prevention.

We collect your information in two ways:

  • Directly from your application; and
  • From external sources, such as credit bureaus and customer service providers.

3. Purpose of Collection

We use your data to:

  • Verify your identity and prevent fraud.
  • Conduct NCA-mandated affordability assessments.
  • Process loan payouts and collect repayments.
  • Communicate with you via SMS, Email, or WhatsApp.
  • Statistical analysis and to develop and improve our products.
  • Assess lending risks and update your records.
  • Identify and prevent fraud, money laundering and other criminal activities.
  • Carry out regulatory checks and for market research.

4. Sharing Your Data

We do not sell your personal data. We only share it with:

  • Credit Bureaus: To obtain your credit report and report on payment behaviour.
  • Service Providers: Payment processors (e.g., Netcash/Ozow) and document verification partners.
  • Regulators: The National Credit Regulator (NCR) when required by law.

All service providers are bound by contract to preserve the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy.

By signing the document and/or clicking the "I Accept" box beneath the loan agreement, you agree that we may disclose your personal information:

  • In the event we sell, buy or merge with any business or assets.
  • If we have a duty to disclose your personal information in order to comply with a legal request.
  • In relation to the implementation, administration and/or enforcement of any agreement entered into with Sure Loan.

5. Data Security

Your information is stored using industry-standard encryption. We use secure servers and strict access controls to ensure your data is protected from unauthorised access or theft.

We protect your information using secure socket layer (SSL) encryption technology and limit employee access to a strictly need-to-know basis. We store data in encrypted forms on computers and control access thereof via secure web pages.

We are subject to South African data protection laws, including those contained in:

  • The Constitution of the Republic of South Africa of 1996.
  • The Regulation of Interception of Communication Act of 2002.
  • The Protection of Personal Information Act of 2013 (POPIA).
  • The Consumer Protection Act of 2008.
  • The Electronic Communications and Transactions Act of 2002.
  • The National Credit Act of 2005 read with the National Credit Amendment Act of 2014.

6. Your Rights

Under POPIA, you have the right to:

  • Access the personal information we hold about you.
  • Request the correction of inaccurate data.
  • Object to the processing of your data for direct marketing.
  • Request the deletion of your data (once legal retention periods, usually 5 years for financial records, have expired).

You are entitled to request access to your information at a prescribed fee and to request that excessive, inaccurate, irrelevant, unnecessary, outdated, misleading or unlawfully obtained information be corrected or deleted.

7. Your Consent

By submitting your details to Sure Loan and/or using Sure Loan's services, you accept our Privacy Policy. You also explicitly provide Sure Loan with voluntary and informed consent to the use and disclosure of your personal information as described throughout this Privacy Policy.

Please bear in mind that you have the full right to object to the use of your personal information. Conditional to the information you object to, Sure Loan may not be able to proceed with your application(s) as we will require certain personal information to successfully conclude or perform on the contract relating to your application.

8. POPIA Disclaimer

By completing the application form and providing personal information linked to the application, I/we hereby grant voluntary consent that my/our personal information may be processed, collected, used, and disclosed in compliance with the Protection of Personal Information Act, 4 of 2013.

I/we understand that my/our personal information may be disclosed to a third party in as far as Sure Loan must fulfil its legal duty. I/we furthermore understand that there are instances in terms of the abovementioned Act where express consent is not necessary to permit the processing of personal information, which may be related to litigation or when the information is publicly available.

PAIA Request Forms: Click here to download forms.

9. Age

To register with Sure Loan and receive any of our products and/or services you must be 18 years of age or older. Minors are strictly forbidden from using our products and/or services.

10. Cookies & Additional Data Collection

Sure Loan may collect information about your computer, including your IP address, operating system and browser type. We use cookies to track browsing actions and patterns, which does not identify any individual, but helps us improve the service offered to you.

You can set your web browser to refuse cookies. If you do this, you may not be able to enjoy the full use and functionality of our site. Please note that third parties who advertise on our site may also use cookies, but we do not have access to, or control over them.