PRIVACY POLICY
At Sikhona Capital (Pty) Ltd, we are committed to protecting your personal information and ensuring your privacy is safeguarded. Any information collected through our website or services is handled securely and used only for legitimate business purposes in accordance with applicable data protection laws.
Privacy Policy
Sikhona Capital (Pty) Ltd
At Sikhona Capital (Pty) Ltd (Registration Number: 2025/332530/07 / NCRCP22805) (“Sikhona”), we are committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, services, or engage with us in any way.
By using our website (www.sikhonacash.co.za) and related platforms, you acknowledge that you have read and understood this Privacy Policy.
1. Who We Are
Sikhona Capital (Pty) Ltd is a private limited liability company and registered credit provider operating in accordance with the laws of the Republic of South Africa.
2. Purpose of This Privacy Policy
This Privacy Policy explains:
- What personal information we collect
- How we collect your information
- Why we process your information
- How we store and protect your information
- Your legal rights regarding your personal information
This policy complies with the Protection of Personal Information Act, 4 of 2013 (POPIA).
3. Contact Details
Company Name: Sikhona Capital (Pty) Ltd
Information Officer: Patrick Nene
Email: info@sikhonacash.co.za
Address: 66 3rd Road, Northwold, 2188
Telephone: 27 (0)82 935 1472
4. Information We Collect
We may collect and process the following personal information:
- Full names and ID numbers
- Contact details
- Physical and postal addresses
- Employment information
- Salary and income details
- Bank statements and financial information
- Credit history and payment records
- Loan and transaction details
- Technical website usage information
- Communication preferences
- Support and call records
5. How We Collect Information
We collect personal information through:
- Loan application forms
- Website submissions
- Phone calls and email correspondence
- Cookies and website analytics
- Credit bureaus and financial institutions
- Third-party service providers
6. How We Use Your Information
We use your personal information to:
- Process loan applications
- Assess affordability and creditworthiness
- Provide our services
- Communicate with you
- Manage payments and accounts
- Comply with legal and regulatory obligations
- Improve our website and services
- Send marketing communications (where permitted)
7. Sharing of Information
We may share your information with:
- Credit bureaus
- Financial institutions
- Payment processors
- Service providers assisting us in operations
- Regulatory authorities where required by law
All third parties are required to treat your information securely and lawfully.
8. Cookies
Our website may use cookies to improve user experience, monitor website performance, and collect usage analytics.
You may disable cookies in your browser settings; however, this may affect website functionality.
9. International Transfers
Where necessary, your personal information may be stored or processed outside South Africa. In such cases, we ensure appropriate data protection safeguards are in place.
10. Data Security
We implement appropriate technical and organisational security measures to protect your personal information against loss, misuse, unauthorised access, disclosure, alteration, or destruction.
11. Data Retention
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected and to comply with legal, regulatory, and contractual obligations.
12. Your Rights
You have the right to:
- Request access to your personal information
- Request correction of inaccurate information
- Request deletion of your information
- Object to certain processing activities
- Withdraw consent where applicable
- Lodge a complaint with the Information Regulator
13. Changes to This Policy
We may update this Privacy Policy from time to time. Updated versions will be published on our website and become effective upon publication.
14. Contact Us
If you have any questions regarding this Privacy Policy or wish to exercise your rights, please contact:
Email: info@sikhonacash.co.za