LENDGO (PTY) LTD – PRIVACY POLICY

(Last Updated: 22/04/2026)

1. INTRODUCTION

1.1 LendGo (Pty) Ltd (“LendGo”, “the Company”, “we”, “us”, or “our”) is committed to protecting your personal information and ensuring that it is collected and processed lawfully and transparently in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”).

1.2 This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you:

• Use our website or digital platforms
• Submit a loan application or pre-vetting form
• Interact with our services

2. INFORMATION WE COLLECT

We collect personal information directly from you and automatically through your use of our platform.

2.1 Personal Information You Provide

• Full name
• South African ID number
• Contact details (phone & email)
• Employment and income details
• Residential and financial information
• Banking and affordability data

2.2 Technical & Device Information

• IP address
• Device type and operating system
• Browser type
• Location data (approximate)
• Session activity and usage patterns

2.3 Fraud Prevention & Behavioural Data

• Device fingerprinting
• Proxy/VPN detection
• Application duplication patterns
• User interaction behaviour

2.4 Third-Party Information

We may obtain information from:

• Credit bureaus
• Identity verification providers
• Fraud prevention systems
• Payment processors
• Marketing/referral partners

3. HOW WE USE YOUR INFORMATION

We process your personal information strictly for lawful purposes and only where necessary.

3.1 Credit Assessment

• Evaluate eligibility for credit
• Conduct affordability and risk analysis

3.2 Fraud Prevention & Security

• Detect suspicious or fraudulent activity
• Prevent identity theft and misuse

3.3 Automated Decision-Making

You acknowledge and agree that:

• Your application may be assessed using automated systems
• Decisions may be made without human intervention
• These systems use financial, behavioural, and technical data

3.4 Legal & Regulatory Compliance

• Compliance with POPIA
• Compliance with credit and financial legislation
• Regulatory reporting obligations

3.5 Communication

• Application updates
• Required actions or outcomes
• Customer support

3.6 Marketing (Subject to Consent)

With your explicit consent, we may:

• Send promotional offers
• Provide product updates
• Deliver targeted advertising

You may opt out at any time.

4. CONSENT (POPIA EMPHASIS)

4.1 By using our services, you explicitly and voluntarily consent to:

• The collection and processing of your personal information
• Credit bureau checks and affordability assessments
• Fraud detection and risk profiling
• The sharing of your data with authorised third parties

4.2 You confirm that:

• The information you provide is accurate and complete
• You understand how your data will be used

You may withdraw your consent at any time, subject to legal and contractual limitations.

5. SHARING OF INFORMATION

We may share your data only where necessary:

5.1 Credit Bureaus

• Assess creditworthiness.
• Report repayment behaviour

5.2 Service Providers

• Identity verification
• Fraud detection systems
• Cloud hosting and infrastructure

5.3 Regulatory Authorities

Where required by law

5.4 Third Parties

Only:

• With your consent
• Or where necessary to provide services

6. COOKIES & TRACKING

6.1 We use cookies and similar technologies to:

• Improve user experience
• Analyse performance
• Prevent fraud

You can manage cookies in your browser settings.

7. DATA RETENTION

7.1 We retain your data:

• As long as necessary for its purpose
• To meet legal obligations
• For fraud prevention

Data is securely deleted or anonymised thereafter.

8. DATA SECURITY & QUALITY CONTROL

8.1 We implement:

• Encryption and secure storage
• Access control and monitoring
• Fraud detection systems

8.2 We also maintain data quality controls to ensure that:

• Your information is accurate
• Data is regularly reviewed and updated
• Incorrect data can be corrected upon request

9. POPIA 

9.1 You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion (where applicable)
• Object to processing
• Withdraw consent

10. ACCOUNT SECURITY & PIN

10.1 When using LendGo services, you may be issued:

• A username
• Password
• Access credentials
• Personal Identification Number (“PIN”)

10.2 You are solely responsible for:

• Maintaining confidentiality of your credentials
• Preventing unauthorised access

LendGo will not be liable for losses resulting from failure to protect your login details.

11. AGE RESTRICTION

11.1 To use LendGo services:

• You must be 18 years or older
• Minors are strictly prohibited

By using our platform, you confirm that you meet this requirement.

12. LINKS TO OTHER WEBSITES

12.1 Our platforms may contain links to third-party websites or services.

We:

• Do not control these platforms
• Are not responsible for their privacy practices

You are advised to review their privacy policies before sharing personal information.

13. CROSS-BORDER TRANSFERS

13.1 Your data may be processed outside South Africa.

We ensure:

• Adequate safeguards are in place
• Compliance with POPIA requirements

14. CHANGES TO THIS PRIVACY POLICY

14.1 We reserve the right to:

• Update or modify this policy at any time
• Do so with or without notice

14.2 You agree to:

• Review this policy regularly

The latest version will always supersede previous versions.

15. APPLICABLE LAW

15.1 This Privacy Policy is governed by the laws of the Republic of South Africa.

Any disputes will be subject to:

• The jurisdiction of South African courts

16. Glossary 

16.1 POPIA
Protection of Personal Information Act regulating how personal data is handled in South Africa.

16.2 Personal Information
Any information that can identify a person (e.g., ID number, phone number).

16.3 Processing
Any action taken with data (collecting, storing, using, sharing).

16.4 Data Subject
The individual whose data is being processed.

16.5 Automated Decision-Making
Decisions made by systems without human involvement.

16.6 Credit Bureau
An organisation that collects and provides credit history information.

16.7 Consent
Voluntary agreement to data processing.

17. CONTACT INFORMATION

LendGo (Pty) Ltd
  27 68 000 8661
nccebirzr@yraqtb.nsevpn