Privacy Policy

1. Who we are

LoanRating.co.za is an independent loan comparison platform that helps South African consumers compare credit products. We are not a credit provider, bank or financial adviser. Our registered business address is available on request via the contact details below.

2. What information we collect

We collect very limited personal information:

• IP addresses and basic browser/device data transmitted automatically when you visit our site
• Pages viewed and approximate time spent on each page
• Referral source (how you arrived at our site)

We do not collect names, email addresses, phone numbers, ID numbers, financial details or any other directly identifying personal information through this website. We do not require registration or account creation.

3. How we use your information

The limited data we collect is used to:

• Understand how visitors use our site so we can improve it
• Monitor site performance and fix technical issues
• Detect and prevent abuse or fraudulent activity

We do not sell, rent or share your personal information with third parties for marketing purposes.

4. Cookies and tracking

At present, LoanRating.co.za does not use cookies, tracking pixels or third-party analytics tools. If this changes in the future, we will update this policy and provide appropriate notice and consent mechanisms as required by POPIA.

5. Third-party links

Our site contains links to third-party lender websites. When you click on a "Get a Loan" button, you leave LoanRating.co.za and are directed to the lender's own website. We are not responsible for the privacy practices or content of those external sites. We encourage you to read their privacy policies before providing any personal information.

6. Your rights under POPIA

Under the Protection of Personal Information Act (POPIA), Act 4 of 2013, you have the right to:

• Request access to personal information we hold about you
• Request correction or deletion of your personal information
• Object to the processing of your personal information
• Lodge a complaint with the Information Regulator

7. Data security

We take reasonable technical and organisational measures to protect any personal information processed through this site. Our website is served over HTTPS and hosted on infrastructure with industry-standard security practices.

8. Children

Our services are not directed at persons under the age of 18. We do not knowingly collect information from children.

9. Changes to this policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last updated" date.

10. Contact us

If you have questions about this Privacy Policy or wish to exercise your rights under POPIA, please contact us at:

Email: privacy@loanrating.co.za

You may also lodge a complaint with the Information Regulator:
Website: inforegulator.org.za
Phone: 012 406 4818