POPIA

POPIA Compliance

Protection of Personal Information Act

Unstucked Finance (Unstuck Finance Pty Ltd)
Effective Date: 25 June 2025

1. Introduction

Unstucked Finance, legally registered as Unstuck Finance Pty Ltd ("we," "us," or "our") is committed to protecting your personal information and respecting your privacy rights in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and all applicable South African privacy laws.

This policy explains how we collect, use, store, and protect your personal information when you use our financial services, visit our website, or interact with us through any other means.

2. Who We Are

Company Name: Unstucked Finance
Legal Entity: Unstuck Finance Pty Ltd
Website: https://unstuckedfinance.co.za/
Email: support@unstuckedfinance.co.za
WhatsApp: +27678711973

We are a financial service provider specialising in personal loans and tender financing solutions for South African individuals and businesses.

3. Information We Collect

3.1 Personal Information
We may collect the following types of personal information:

Identity Information:

  • Full name and surname
  • South African ID number
  • Date of birth
  • Gender
  • Marital status
  • Residential and postal addresses

Contact Information:

  • Phone numbers (mobile and landline)
  • Email addresses
  • Physical addresses

Financial Information:

  • Employment details and salary information
  • Bank account details
  • Bank statements
  • Credit history and credit score
  • Income and expense information
  • Existing debt obligations

Application Information:

  • Loan application details
  • Supporting documents
  • References and next of kin details

3.2 Technical Information
When you visit our website, we may automatically collect:

  • IP addresses
  • Browser type and version
  • Device information
  • Website usage patterns
  • Cookies and similar technologies

4. How We Collect Information

We collect your personal information through:

  • Online loan applications
  • Phone conversations
  • WhatsApp communications
  • Email correspondence
  • Physical documents you provide
  • Third-party verification services
  • Credit bureaus and financial institutions
  • Website analytics and cookies

5. Why We Process Your Information

5.1 Lawful Basis for Processing
We process your personal information based on:

Consent: When you explicitly agree to our processing activities

Contract Performance: To assess, process, and manage your loan applications and agreements

Legitimate Interest: For fraud prevention, debt collection, and business operations

Legal Obligation: To comply with financial regulations, tax requirements, and legal reporting

5.2 Specific Purposes
We use your information to:

  • Assess your creditworthiness and loan eligibility
  • Process loan applications and disbursements
  • Manage loan accounts and collect repayments
  • Verify your identity and prevent fraud
  • Communicate with you about your account
  • Comply with legal and regulatory requirements
  • Improve our services and customer experience
  • Market relevant financial products (with consent)

6. Information Sharing and Disclosure

We may share your personal information with:

Credit Bureaus: To assess creditworthiness and report payment behaviour

Banks and Payment Processors: To facilitate loan disbursements and collections

Legal and Regulatory Authorities: When required by law or court orders

Professional Advisors: Including lawyers, auditors, and consultants bound by confidentiality

Service Providers: IT support, document management, and verification services

Debt Collection Agencies: In cases of default or non-payment

We do not sell your personal information to third parties for marketing purposes.

7. Data Security

We implement appropriate technical and organisational security measures including:

  • Secure encryption of data transmission
  • Access controls and user authentication
  • Regular security assessments and updates
  • Employee training on data protection
  • Secure physical storage of documents
  • Regular data backups and recovery procedures

8. Data Retention

We retain your personal information for:

  • Active Accounts: Duration of the loan agreement plus 5 years
  • Declined Applications: 12 months from application date
  • Marketing Communications: Until you withdraw consent
  • Legal Requirements: As required by applicable laws (typically 5-7 years)

After retention periods expire, we securely delete or anonymise your information.

9. Your Rights Under POPIA

You have the right to:

Access: Request copies of your personal information we hold

Correction: Update or correct inaccurate information

Deletion: Request deletion of your information (subject to legal requirements)

Objection: Object to processing for direct marketing

Restriction: Limit how we process your information

Data Portability: Receive your information in a structured format

Withdraw Consent: Remove consent for voluntary processing activities

To exercise these rights, contact us using the details provided below.

10. Cookies and Website Tracking

Our website uses cookies to:

  • Improve website functionality and user experience
  • Analyse website traffic and usage patterns
  • Remember your preferences
  • Provide personalised content

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

11. Marketing Communications

We may send you marketing communications about relevant financial products and services if you have consented. You can opt out at any time by:

  • Clicking "unsubscribe" in emails
  • Replying "STOP" to SMS messages
  • Contacting us directly

12. Changes to This Policy

We may update this policy periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes through:

  • Website notifications
  • Email communications
  • SMS notifications

13. Complaints and Disputes

If you believe we have not handled your personal information in accordance with POPIA, you may:

1. Contact us directly using the details below

14. Contact Information

Data Protection Inquiries:

  • Email: support@unstuckedfinance.co.za
  • WhatsApp: +27678711973
  • Website: https://unstuckedfinance.co.za/

Postal Address:
507 JSL Towers, Pretorius Str
Pretoria Central, 0002

15. Consent

By using our services, providing personal information, or continuing to interact with us, you acknowledge that you have read, understood, and agree to this POPIA policy.

For loan applications, explicit consent will be obtained through our application process.

Last Updated: 25 June 2025

This policy is available in English. Translations may be provided upon request.