Privacy Policy.

At Drumboard Cash Loans, we respect your privacy and are committed to protecting your personal information. This policy explains how we collect, use, store, share and protect information when you visit our website, contact us or apply for a loan.

We process personal information in accordance with applicable South African legislation, including the Protection of Personal Information Act 4 of 2013 (POPIA), the National Credit Act 34 of 2005 (NCA) and other applicable requirements.

By using this website or submitting information, you acknowledge this notice. Where consent is required, we will request it separately.

Drumboard Cash Loans provides personal cash loans, payday loans and emergency loans in South Africa. The legal entity operating the business is the responsible party under POPIA.

• Business: Drumboard Cash Loans
• Website: https://drumboardcashloans.co.za/
• Registered legal entity: [INSERT VERIFIED LEGAL ENTITY]
• Physical address: [INSERT VERIFIED ADDRESS]
• Email: [INSERT VERIFIED CONTACT EMAIL]
• Telephone: [INSERT VERIFIED NUMBER]
• NCR registration number: [INSERT VERIFIED NCR NUMBER, IF APPLICABLE]

We collect only information reasonably necessary for enquiries, loan applications, affordability assessments, account administration and legal compliance.

Personal and contact information

• Full name, identity number, date of birth and contact details
• Residential and postal address
• Employment and employer information

Financial and application information

• Income, salary and proof of income
• Monthly expenses and existing financial commitments
• Banking details and bank statements, where required
• Requested loan amount, repayment period and supporting documents

Credit and verification information

Where lawful, we may obtain or verify identity, credit history and repayment information through authorised credit bureaus or verification providers.

Website usage data

Technical data may include IP address, device type, browser, pages visited, dates, times and diagnostic information.

We may collect information directly through website forms, email, telephone, in-person visits and documents submitted during an application. Where permitted, we may also receive relevant information from authorised credit bureaus or verification providers. Website usage data may be collected automatically.

• Receive and review loan applications
• Verify identity and supporting documents
• Assess income, expenses, existing debt and affordability
• Determine eligibility and communicate lending decisions
• Prepare and administer loan agreements, disbursements and repayments
• Respond to enquiries and provide account or service notices
• Meet legal, regulatory and recordkeeping obligations
• Protect website security and improve functionality

All loans are subject to affordability assessment, verification and approval.

Marketing

We may send marketing communications where permitted by law. We obtain consent where required for electronic direct marketing. You may opt out at any time. Applying for a loan does not automatically mean you consent to promotional marketing.

We process personal information where permitted under POPIA, including with consent, to take requested steps before entering into a contract, to perform an agreement, to comply with law or where another lawful justification applies. Where processing depends on consent, you may withdraw it subject to legal limitations.

We do not sell personal information. We may disclose relevant information only where necessary and lawful to:

• Authorised credit bureaus and identity verification providers
• Banks and payment service providers
• Website hosting, storage, communications and other contracted operators
• Regulators, courts and other authorities where legally required
• Parties involved in a lawful business transfer, subject to safeguards

We take reasonable steps to ensure third-party operators protect information appropriately.

Loan applications may contain sensitive identification and financial records. We take reasonable technical and organisational measures to protect information against unauthorised access, loss, misuse or disclosure. These measures may include secure HTTPS connections, access controls, secure storage, confidentiality arrangements and system maintenance, where implemented.

No electronic system is completely risk-free. Do not send identity documents, bank statements or banking credentials through unsecured general enquiry forms. Follow our team’s secure document-submission instructions.

Our website may use cookies for essential functionality, preferences, security and, where enabled, analytics or marketing measurement. The exact cookies depend on the services installed on the website.

You can manage cookies in your browser and through any cookie controls provided on the website. Disabling cookies may affect functionality. Non-essential tracking will be used only where legally permitted.

We keep information only for as long as needed for the purposes described, or as required or permitted by law. Credit, accounting, regulatory and dispute-related records may require longer retention. Where there is no lawful reason to retain information, we take reasonable steps to securely delete, destroy or de-identify it.

Some technology providers may process or store information outside South Africa. Any cross-border transfer must comply with section 72 of POPIA and be supported by appropriate safeguards or another lawful basis.

Subject to applicable law, you may:

• Ask whether we hold information about you and request access
• Request correction of inaccurate or outdated information
• Request deletion or destruction where legally permitted
• Object to certain processing and to direct marketing
• Withdraw consent where consent is the lawful basis
• Raise concerns about qualifying automated decisions
• Complain to the Information Regulator

We may verify your identity before responding. Legal recordkeeping obligations may limit some requests.

Technology may assist with verification, application screening and affordability assessments. Where a decision is based solely on automated processing and falls under section 71 of POPIA, applicable safeguards and requirements will be followed. Contact us if you have questions about a lending decision.

Our lending services are intended for adults legally eligible to enter into credit agreements. We do not knowingly accept loan applications from people under 18. Information submitted by a minor will be handled in accordance with applicable law.

Links on our website may lead to third-party services. We do not control their content or privacy practices. Please review their policies before submitting personal information.

If we reasonably believe personal information has been accessed or acquired by an unauthorised person, we will investigate and take appropriate steps. Where required by POPIA, we will notify the Information Regulator and affected individuals.

We may update this policy to reflect changes to our operations, technology or legal obligations. The current version and its revision date will appear on this page.

For questions or requests about your personal information, please contact:

• Drumboard Cash Loans
• Website: https://drumboardcashloans.co.za/
• Email: [INSERT VERIFIED EMAIL]
• Telephone: [INSERT VERIFIED NUMBER]
• Address: [INSERT VERIFIED ADDRESS]
• Information Officer: [INSERT NAME OR DESIGNATED CONTACT]

Please avoid sending unnecessary sensitive documents in your initial enquiry.

If you believe your personal information has been processed unlawfully, you may contact us or lodge a complaint with the Information Regulator (South Africa).

https://inforegulator.org.za/