Privacy Policy

EZ Funds is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your personal information in compliance with applicable privacy laws.

By using our services, you consent to the processing of your personal information as described in this policy.

EZ Funds is the responsible party for your personal information.

We collect the following types of personal information:

• Identity Information: Name, surname, ID number, date of birth
• Contact Information: Phone number, email address, physical address
• Employment Information: Employer name, salary, pay date
• Financial Information: Bank account details, bank statements, credit history
• Loan Information: Loan amount, repayment history, transaction records
• Technical Information: IP address, browser type, device information

We collect personal information from multiple sources:

• Directly from you: When you complete our loan application
• From third parties: Credit bureaus, employers, banks
• Automatically: Website usage data, cookies, analytics

We process your personal information for the following purposes:

• Assessing your loan application and creditworthiness
• Managing your loan account and processing payments
• Complying with legal obligations
• Preventing fraud and managing credit risk
• Communicating with you about your account
• Improving our services and customer experience
• Marketing (only with your consent, which you can withdraw at any time)

We may share your personal information with:

• Credit bureaus: TransUnion, Experian, XDS
• Service providers: Payment processors, technology providers
• Debt collectors: If your account is in arrears
• Legal authorities: When required by law
• Banks: For payment processing via debit orders

All third parties are contractually obligated to protect your information and use it only for specified purposes.

We implement appropriate technical and organizational measures to protect your personal information, including:

• Secure data storage systems
• Access controls and authentication
• Regular security assessments
• Employee confidentiality agreements

We will notify you of any data breach that compromises your personal information.

We retain your personal information for as long as:

• Your loan account is active
• Required by law (typically 5 years after account closure)
• Necessary for legal or regulatory purposes

After the retention period, we securely delete or anonymize your information.

You have the following rights regarding your personal information:

• Right to access: Request a copy of your personal information
• Right to correction: Request correction of inaccurate information
• Right to deletion: Request deletion (subject to legal requirements)
• Right to object: Object to processing for marketing purposes
• Right to restriction: Request restriction of processing

To exercise these rights, contact us at privacy@ezfunds.co.za

With your consent, we may send you marketing communications about:

• New loan products
• Special offers
• Financial tips and advice

You can opt-out at any time by:

• Clicking "unsubscribe" in any email
• Contacting us at support@ezfunds.co.za
• Updating your preferences in your account dashboard

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website usage
• Improve user experience

You can control cookies through your browser settings.

If you have concerns about how we handle your personal information:

Contact us at privacy@ezfunds.co.za and we will work to resolve your concerns promptly.

We may update this Privacy Policy from time to time. Significant changes will be communicated via email or on our website.

Your continued use of our services after changes constitutes acceptance of the updated policy.