At MoneyHello, operated by SIA FINLEADGLOBAL ("we", "us", or "the Company"), we take your privacy seriously. This policy explains how we collect, use, and protect your personal information in compliance with the Protection of Personal Information Act (POPIA) of South Africa and the General Data Protection Regulation (GDPR) of the European Union.
1. Who We Are
SIA FINLEADGLOBAL is a company registered in the Republic of Latvia (Reg No: 40203721183), with its registered office at Slokas iela 41A, Riga, LV-1007. We act as a "Responsible Party" (under POPIA) and a "Data Controller" (under GDPR) for the information you provide on this website.
2. Information We Collect
To connect you with suitable credit providers, we collect the following:
- Identity Data: Full name, South African ID number, and date of birth.
- Contact Data: Email address, mobile phone number, and residential address.
- Financial Data: Monthly income, employment status, employer name, and bank account details (for payout purposes).
- Technical Data: IP address, browser type, and location data (via cookies).
3. How and Why We Use Your Data
We process your personal information based on your express consent and our legitimate interest in providing a loan-matching service.
- Matchmaking: We share your profile with NCR-registered lenders to find loan offers you qualify for.
- Verification: To prevent fraud and confirm you meet the lender's minimum requirements.
- Communication: To send you updates regarding your application status.
- Marketing: With your permission, to send you tailored financial offers via SMS or email.
4. Sharing Your Data with Third Parties
By submitting an application, you agree that we may share your information with:
- Credit Providers: Registered lenders (e.g., Finance27, LendPlus) who will evaluate your application.
- Credit Bureaus: Lenders may perform "soft" credit inquiries to verify your financial standing.
- Service Providers: Third-party technical partners who help us operate our platform and send communications.
5. International Data Transfers
As a Latvian-based entity, your data may be transferred to and stored on servers located in the European Economic Area (EEA). We ensure that all such transfers are protected by standard contractual clauses and provide a level of security equivalent to South African POPIA requirements.
6. Data Security
We implement strict technical and organizational measures to protect your data from unauthorized access, loss, or destruction. We only retain your information for as long as necessary to fulfill the purposes outlined in this policy or as required by law.
7. Your Legal Rights
Under POPIA and GDPR, you have the following rights:
- Right to Access: You can request a copy of the personal data we hold about you.
- Right to Correction: You can ask us to update or fix inaccurate information.
- Right to Erasure: You can request that we delete your data (the "Right to be Forgotten"), subject to legal retention requirements.
- Right to Object: You can withdraw your consent for marketing at any time.
8. Direct Marketing & Opt-Out
We will only send you marketing communications if you have opted in. You can stop receiving these at any time by:
- Clicking the "Unsubscribe" link in our emails.
- Emailing our Privacy Officer at info@finleadglobal.com.
9. Contact Our Information Officer
If you have questions about this policy or how your data is handled, please contact us:
- Entity: SIA FINLEADGLOBAL
- Address: Slokas iela 41A, Riga, LV-1007, Latvia
- Email: info@finleadglobal.com