What we do with your information.

Kinstead Home Equity (Pty) Ltd respects your privacy. This notice explains what we collect, why we collect it, who we share it with, and the rights you have under the Protection of Personal Information Act (POPIA) and the Promotion of Access to Information Act (PAIA).

What we collect

• Your name, identity number, contact details and address.
• Information about your home, including its value and title.
• Your bank account details, so that we can pay you.
• Information you give us when you call, message or use this website.
• The results of the identity, bank and credit checks you agree to.

Why we collect it

• To prepare your illustration and assess your application.
• To meet our duties as a registered credit provider, including the National Credit Act, FICA and the Deeds Office.
• To pay you, send you statements, and answer your questions.
• To improve our service, using information that does not identify you where we can.

Who we share it with

• Registered providers of identity, bank-account and credit checks, with your consent.
• Your conveyancing attorney, the Deeds Office, and your home’s insurer, to register the bond.
• Our funders and auditors, under confidentiality.
• Anyone you ask us to keep informed, such as a family member, only after your recorded consent.

We do not sell your information, and we do not share it for anyone else’s marketing.

How long we keep it

We keep your information for as long as we need it to run your loan, and afterwards for as long as the law requires. The retention periods are being confirmed with our compliance adviser.

Where it is held

Our records are held in South Africa. Where a service provider holds information outside South Africa, we make sure POPIA’s conditions for a cross-border transfer are met.

Your rights

• Ask what information we hold about you, and ask for a copy.
• Ask us to correct information that is wrong.
• Ask us to delete information we no longer have a lawful reason to keep.
• Object to how we use your information, where the law allows.
• Withdraw a consent you gave, such as consent to contact you.
• Complain to the Information Regulator.

To use any of these rights, call us or email us. You will not be charged for asking, and we will answer within the time POPIA allows.

Cookies

This website keeps what you type in the application on your own device, so that you can stop and come back. See cookies for the detail.

How to complain

Tell us first: our complaints page explains what happens next. You can also complain to the Information Regulator of South Africa.

Who is responsible

Kinstead Home Equity (Pty) Ltd is the responsible party for your information. Our Information Officer is name to be confirmed.