Please bear in mind that you have the full right to object to the use of your personal information. Conditional to the information you expostulate, Pow Wow Loans (PTY) LTD may not be able to proceed with your application(s) as we will require certain personal information to successfully conclude or perform on the contract relating to your application. We are obliged by law to obtain this.
To register with Pow Wow Loans (PTY) LTD and receive any of our products and/or services you must be 18 years of age or older. Minors are strictly forbidden from using our products and/or services.
Security and confidentiality
We understand the value of your personal information, which is why we will take all reasonable steps to secure and protect your information from loss, improper use or unauthorised adjustment. We store your personal information in databases with built-in safeguards and firewalls to ensure the privacy and discretion of said information.
We recognise the need for the appropriate protection and management of your personal information that you share with Pow Wow Loans (PTY) LTD. Therefore, we protect your information using secure socket layer (SSL) encryption technology and limit employee access to a strictly need-to-know basis. We store data in encrypted forms on computers and control the access thereof via secure web pages. The use of firewalls and other technological security measures protect our servers from external attacks.
We ensure that our security systems meet or exceed the industry standards, whilst constantly monitoring internet and technological developments to certify that our systems develop and evolve as required. In addition, we regularly test our systems to ensure that our security mechanisms are suitable and up to date.
We are subject to South African data protection laws, including those contained in the Constitution of the Republic of South Africa of 1996, the Regulation of Interception of Communication Act of 2002, the Protection of Personal Information Act of 2013, the Consumer Protection Act of 2008, the Electronic Communications and Transactions Act of 2002, and the National Credit Act of 2005 read with the National Credit Amendment Act of 2014. Furthermore, we ensure our compliance with the aforementioned regulations and acts.
Personal information is information that identifies or relates specifically to you and may include your financial information, name, age, identity number, assets, liabilities, income and payment records. In summary, any information that we know about you will be regarded as your personal information.
When you use the Pow Wow Loans (PTY) LTD website and the services provided by Pow Wow Loans (PTY) LTD, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for preserving the secrecy and confidentiality of your user name, access card, password and/or personal identification number.
Collecting your data
We collect your information in two ways:
– Directly from your application;
– From external sources, such as credit bureaus and customer service providers.
Pow Wow Loans (PTY) LTD may use data that identifies your personal information for a number of things, including:
– Statistical analysis;
– To develop and improve our products;
– To assess lending risks;
– To update your records;
– To identify which of our products might interest you;
– To identify and prevent fraud, money laundering and other criminal activities;
– To carry out regulatory checks, keeping you informed about your loan, and for market research;
– Marketing products and services offered on behalf of third parties.
Collection and use of personal information
In order to make use of the loan product(s) and service(s) offered by Pow Wow Loans (PTY) LTD, it is necessary for us to find out precisely what you may need and want from us and to ascertain whether, in terms of the provisions of the National Credit Act of 2005, you are eligible to get a loan.
Reasons as to why we would collect your personal information may include:
– To identify you;
– To process your instructions or requests;
– To ensure that you meet our lending criteria, we may collect and analyse all the information that we have about you to compile a credit profile, in order for us to grant you a loan and to meet your specific needs; and
– Once we have gathered and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of a third party, and you indicate that you would like more details, we may inform the third party to contact you directly. However, we will only inform a third party to contact you if you have indicated to us that this is agreeable to you.
Additional data collection
Pow Wow Loans (PTY) LTD may collect information about your computer, namely, where available, your IP address, operating system and browser type. We will use this information for the purpose of system administration and to report aggregate information to our advertising partners. This allows us to have a better understanding of our customers’ requirements and/or preferences by using cookies to track users as they travel from website to website recording what commercial advertisements they view and select while browsing the internet.
This is statistical data about browsing actions and patterns, which does not identify any individual. In addition, we may obtain information about your general internet usage by using a cookie file stored on the hard drive of your computer. Cookies enable Pow Wow Loans (PTY) LTD to improve the service offered to you, assist in estimating our audience size and usage patterns, help store information about your preferences and recognise you when you return to our site.
We want to provide you with the best possible service, so calls to Pow Wow Loans (PTY) LTD will be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud and other criminal acts.
Sharing your data
By signing the document and/or clicking the “I Accept” box beneath the loan agreement and direct debit mandate, you agree that we may disclose your personal information:
– In the event we sell, buy or merge with any business or assets (in which case we may disclose your personal information to the prospective seller, buyer or partner of such a business or assets);
– If our business or substantially all of its assets are acquired by a third party (in which case personal information held about customers will be of the transferred assets);
– If we have a duty to disclose your personal information in order to comply with a legal request, or in order to enforce any of our terms and conditions; and/or
– In relation to the implementation, administration and/or enforcement of any agreement entered into with Pow Wow Loans (PTY) LTD.
Right to request access to your personal information
As mentioned before, we are committed to the security and protection of your personal information and any information shared with and disclosed to third parties is only done with our knowledge and explicit authorisation. You are entitled to request access to your information at a prescribed fee and to request that excessive, inaccurate, irrelevant, unnecessary, outdated, misleading or unlawfully obtained information be corrected, deleted or in the case of a dispute, indicate that correction has been requested, but not made.
Electronic Communications and Transactions Act
We voluntarily subscribe to the principles, charted in Section 51 of the Electronic Communications and Transactions Act of 2002, which govern your right to having your personal information kept private and discreet. We briefly outline these principles as follows:
– We hereby disclose the specific purpose for which we collate, use, request and store your personal information. Additionally, we will keep a record of your personal information and the specific purpose(s) for which we have gathered and used it.
– We will not use your personal information for any other purpose, other than that which we disclosed to you herein, unless you give us your express written permission to do so, or unless we are permitted or required by law to do so.
Further to the requirements of the ECT Act; we will disclose your personal information without your consent:
– If we are required to do so by law or by a court order;
– If disclosure is in the public interest;
– If disclosure is in Pow Wow Loans (PTY) LTD’ interest; and/or
– With your implied consent.
In terms of the Consumer Protection Act and section 45 of the ECT Act, you recognise that you have the option to unsubscribe and/or opt out of any mailing list maintained by Pow Wow Loans (PTY) LTD for commercial and marketing communications.
Contact from Pow Wow Loans (PTY) LTD and third parties
As part of the application process, we will ask you whether we or any of our partners may contact you about our products and services by mail, email, telephone and SMS (or any other reasonable method(s)). If you ticked “yes” or agreed to this communication in writing, but no longer wish to receive such communications, please login to our website, visit the “My Account” page and change your communication preference at any time, or follow the instructions in the message itself.
Additionally, you may register on the National “Opt Out” register of the Direct Marketing Association of South Africa by going to www.dmasa.org.
We may transfer your personal information to selected third parties. If at any time you wish to stop receiving such contact from a third party, you will need to follow the instructions about unsubscribing provided at that time by the respective third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.
Third party links
For any queries or requests, please contact us