Privacy Policy
Effective date: 12 May 2026
Persal processes personal information in accordance with applicable South African data protection requirements, including POPIA, and related financial-services obligations.
Information We Collect
- Identity and contact details provided during registration or application.
- Affordability, employment, and banking information required for credit assessment and servicing.
- Application and account activity, repayment history, and support communications.
- Technical data such as device, browser, IP address, and security logs.
Why We Process Information
- To create and manage your account.
- To assess credit applications, perform affordability checks, and prevent fraud.
- To provide customer support and communicate notices about your account.
- To comply with legal, regulatory, and audit obligations.
Disclosure of Information
Personal information may be shared with service providers, payment processors, regulators, credit bureaus, auditors, and other parties where required or permitted by law and for legitimate business operations.
Retention and Security
Persal retains records for as long as reasonably necessary for operational, legal, and regulatory purposes. Appropriate technical and organizational safeguards are used to protect information against unauthorized access, loss, misuse, or alteration.
Your Rights
Subject to applicable law, you may request access to your personal information, correction of inaccuracies, deletion where legally permissible, and objection to certain processing activities.
Contact
For privacy requests or complaints, email support@persal.co.za.