Privacy Policy

Ai Loans (Pty) Ltd
Effective Date: 19 February 2026

1. Introduction

Ai Loans (“we”, “us”, “our”) is an asset rescue and financial restructuring company committed to protecting your privacy and ensuring that your personal information is collected and used properly, lawfully, and transparently.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa and other applicable laws.

By using our services or engaging with us, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect and process the following categories of personal information:

2.1 Personal Identification Information

  • Full name
  • ID number / Passport number
  • Date of birth
  • Contact details (email address, phone number, residential address)

2.2 Financial Information

  • Banking details
  • Income and employment information
  • Asset ownership details
  • Credit history information
  • Debt and liability information

2.3 Technical Information

  • IP address
  • Device information
  • Website usage data
  • Cookies and tracking data

2.4 Special Personal Information

Where required and permitted by law, we may process special personal information necessary for asset rescue or restructuring purposes, subject to your explicit consent.

3. How We Collect Information

We collect personal information:

  • Directly from you when you complete application forms
  • When you contact us via our website or in person
  • From credit bureaus and financial institutions (with your consent)
  • From third-party service providers
  • Automatically through our website via cookies

4. Purpose of Processing

We process your personal information to:

  • Assess eligibility for asset rescue solutions
  • Provide debt restructuring and financial advisory services
  • Conduct affordability and risk assessments
  • Verify your identity
  • Comply with legal and regulatory requirements
  • Improve our services

We will only process personal information for the specific purpose for which it was collected.

5. Legal Basis for Processing

We process personal information based on:

  • Your consent
  • Contractual necessity
  • Legal obligations
  • Legitimate business interests
  • Compliance with regulatory authorities

6. Disclosure of Information

We may share your information with:

  • Credit bureaus
  • Financial institutions
  • Legal advisors
  • Regulatory authorities
  • Payment processors
  • IT service providers
  • Debt counsellors or restructuring partners

All third parties are required to maintain confidentiality and safeguard your information.

We do not sell your personal information.

7. Data Security

Ai Loans implements appropriate technical and organisational measures to protect your personal information against:

  • Unauthorised access
  • Loss or theft
  • Alteration
  • Disclosure

These measures include encryption, access controls, secure servers, and confidentiality agreements.

8. Data Retention

We retain personal information only for as long as necessary to:

  • Fulfil the purpose for which it was collected
  • Comply with legal obligations
  • Resolve disputes
  • Enforce agreements

When no longer required, information will be securely deleted or anonymised.

9. Your Rights

Under POPIA, you have the right to:

  • Access your personal information
  • Request correction or deletion
  • Object to processing
  • Withdraw consent
  • Lodge a complaint with the Information Regulator of South Africa

10. Cookies and Website Tracking

Our website may use cookies to:

  • Enhance user experience
  • Analyse website traffic
  • Improve functionality

You may disable cookies in your browser settings, although this may affect website performance.

11. Cross-Border Transfers

Where personal information is transferred outside South Africa, we ensure that adequate data protection safeguards are in place.

12. Changes to This Policy

We reserve the right to amend this Privacy Policy at any time. Updates will be published on our website with a revised effective date.

13. Contact Information

Ai Loans (Pty) Ltd
109 Winston Road
Bryanston
South Africa