Privacy Policy

1. Introduction

Welcome to ladconsulting.co.za. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Apply for a loan through our website
• Contact us with inquiries
• Subscribe to our newsletter or communications
• Participate in surveys or promotions

2.2 Types of Data Collected

The personal information we collect may include:

• Full name and contact details (email address, phone number, physical address)
• Identification information (ID number, date of birth)
• Financial information (bank account details, income information)
• Employment information
• Credit history and credit score

2.3 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website addresses

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your loan application
• To verify your identity and prevent fraud
• To communicate with you about your application and account
• To comply with legal obligations and regulations
• To improve our website and services
• To send you marketing communications (with your consent)
• To analyze website usage and trends

4. How We Share Your Information

We may share your information with:

• Service Providers: Third-party companies that help us operate our business and provide services
• Credit Bureaus: To verify your credit history and report loan information
• Financial Institutions: Banks and payment processors for loan disbursement and repayment
• Legal Authorities: When required by law or to protect our legal rights
• Business Partners: With your consent, for specific purposes

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Regular security audits and updates
• Limited access to personal information by authorized personnel only
• Employee training on data protection

6. Your Rights

Under South African data protection laws, you have the following rights:

• Right to Access: Request copies of your personal information
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Deletion: Request deletion of your personal information
• Right to Object: Object to processing of your personal information
• Right to Restriction: Request restriction of processing your information
• Right to Data Portability: Request transfer of your information to another service

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. For more information, please see our Cookie Policy.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Loan application data is typically retained for at least 5 years in accordance with financial regulations.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us