Privacy Notice (POPIA)

Leap Financial Services (Pty) Ltd (NCRCP-XXXX) is the responsible party for personal information processed through this application. This placeholder notice describes the intended processing for the prototype.

What we collect

Identity details (full name, SA ID number), contact details, a selfie for liveness verification, declared income and expenses, employment details, and bank account details.

Why we process it

To verify your identity, to conduct the affordability assessment required by section 81 of the National Credit Act, to screen against sanctions lists as required by the FIC Act, to make a credit decision, and to administer your loan.

Consent and lawful basis

Consent is captured explicitly at Step 1, versioned and timestamped in the audit log. Some processing is also necessary to conclude and perform a credit agreement, and some is required by law.

Sharing

Registered credit bureaux, the Department of Home Affairs verification service, bank account verification providers, and payment partners. In this prototype all such integrations are stubbed and no data leaves your browser.

Your rights

You may request access to, correction of, or deletion of your personal information, object to processing, and lodge a complaint with the Information Regulator. Contact our Information Officer at help@leap.example.

Retention

Credit records are retained for the periods prescribed by the NCA and FIC Act.