PRIVACY POLICY

Effective Date: 15/08/2025

1. Introduction
Lee And Luu Loans (referred to as “we,” “us,” or “our”) is committed to protecting the privacy and
security of your personal information. This Privacy Policy describes how we collect, use,
disclose, and safeguard your personal information when you visit our website
www.leeandluu.co.za (the “Website”) and use our micro-lending services (the “Services”).
By accessing our Website and using our Services, you consent to the practices described in this
Privacy Policy.

2. Information We Collect
We may collect the following types of personal information from you:
Personal Identification Information: Your name, identity number, date of birth, gender, marital
status, residential address, contact details (phone number, email address), and other
information provided on application forms and related documents.
Financial Information: Your bank account details, employment information (employer name,
income details), credit history, and other financial information necessary to assess your loan
application.
Device and Usage Information: Your IP address, browser type, operating system, referring
website, pages you visit on our Website, and the dates and times of your visits. We may use
cookies and similar tracking technologies to collect this information (see section 7 for more
details).
Communication Data: Records of your communications with us, including emails, phone calls,
and online chat interactions.
Selfie and ID Images: As part of the application process, we may collect a photo of your original
ID and a selfie of you holding your ID with the application date.
Other Information: Any other information you voluntarily provide to us.

3. How We Use Your Information
We may use your personal information for the following purposes:
To process and assess your loan application.
To verify your identity.
To manage and administer your loan account.
To communicate with you regarding your application, loan status, and other relevant information.
To provide and improve our Services and Website.
To personalize your experience on our Website.
To detect and prevent fraud and other illegal activities.
To comply with legal and regulatory requirements.
For statistical analysis and research purposes (on an anonymized and aggregated basis where
possible).
For marketing purposes, where you have provided your consent (you will have the option to
opt-out of such communications).

4. Disclosure of Your Information
We may disclose your personal information to the following categories of recipients:
Our employees and authorized personnel who need access to the information to perform their
duties.
Credit bureaus to assess your creditworthiness, as permitted by law.
Payment processors to facilitate loan disbursements and repayments.
Service providers who assist us with website hosting, data analysis, email delivery, and other
services. We will ensure these service providers are bound by confidentiality agreements and
comply with POPIA.
Legal and regulatory authorities when required by law or to comply with legal processes.
Collection agencies in the event of loan default, as permitted by law.
Potential investors or acquirers in the event of a merger, acquisition, or sale of all or a portion of
our assets (in which case your information will be protected by confidentiality agreements).
With your consent to other third parties.

5. Security of Your Information
We take reasonable technical and organizational measures to protect your personal information
from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Secure server infrastructure.
Encryption of sensitive data during transmission (e.g., using SSL/TLS).
Access controls and authentication procedures.
Regular security assessments and updates.
Data minimization principles.
While we strive to protect your personal information, please note that no method of transmission
over the internet or electronic storage is completely secure.

6. Retention of Your Information
We will retain your personal information only for as long as necessary to fulfill the purposes for
which it was collected, or as required by applicable laws and regulations. This may include
retaining your information for a reasonable period after the termination of our relationship to
comply with legal obligations, resolve disputes, and enforce our agreements.

7. Cookies and Tracking Technologies
Our Website may use cookies and similar tracking technologies to collect information about your
browsing activities. Cookies are small text files that are stored on your device when you visit a
website. We may use cookies for purposes such as:
Analyzing website traffic and usage patterns.
Personalizing your experience.
Remembering your preferences.
Improving the functionality of our Website.
You can control cookies through your browser settings. However, disabling cookies may affect
your ability to use certain features of our Website.

8. Your Rights Regarding Your Personal Information (Under POPIA)
Under the Protection of Personal Information Act (POPIA), you have certain rights regarding
your personal information that we hold, including the right to:
Access: Request access to your personal information.
Correction: Request the correction or deletion of your personal information that is inaccurate,
incomplete, or no longer necessary.
Objection: Object to the processing of your personal information in certain circumstances.
Restriction: Request the restriction of the processing of your personal information in certain
circumstances.
Data Portability: Request to receive your personal information in a structured, commonly used,
and machine-readable format and to transmit it to another controller (where applicable).
Withdraw Consent: Withdraw your consent to the processing of your personal information where
processing is based on consent.
Lodge a Complaint: Lodge a complaint with the Information Regulator (South Africa) regarding
the processing of your personal information.
To exercise any of these rights, please contact us using the contact details provided in section
10, we will require you to provide satisfactory proof of identity to process your request.

9. Links to Other Websites
Our Website may contain links to other websites that are not operated by us. We are not
responsible for the privacy practices of these third-party websites. We encourage you to review
the privacy policies of any website you visit.

10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of
your personal information, please contact us at:
Lee And Luu Loans
No 10 Church Street
Mount Ayliff, Eastern Cape
South Africa, 4735
ntuthuzelof@leeandluu.co.za
Tel: +27 39 254 0091

11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal
requirements. We will post any changes on our Website and update the “Effective Date” at the
top of this policy. We encourage you to review this Privacy Policy periodically.
By continuing to use our Website and Services after any changes to this Privacy Policy, you
acknowledge and agree to the updated terms.