+27648994847

Privacy Policy

Effective Date: 29 June 2026

This Privacy Policy applies to the mobile application Fair Loan and related services provided by SNAP CREDIT (PTY) LTD.

SNAP CREDIT (PTY) LTD is a private company operating in South Africa. We provide digital financial and loan-related services through Fair Loan.

We are committed to protecting your privacy and processing your personal information in a lawful, fair, transparent, and responsible manner in accordance with the Protection of Personal Information Act, 2013 (“POPIA”), applicable South African laws, and relevant Apple App Store privacy requirements.

This Privacy Policy explains how we collect, use, store, share, protect, and manage your personal information when you download, register for, access, or use Fair Loan.

By using Fair Loan, you confirm that you have read and understood this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App or our services.

1. Definitions

For the purposes of this Privacy Policy:

Account means the user profile created by you to access Fair Loan.

App or Application means the mobile application named Fair Loan.

Company, we, us, or our means SNAP CREDIT (PTY) LTD.

Country means South Africa.

Device means any mobile phone, tablet, or other electronic device used to access the App.

Personal Information means information relating to an identifiable natural or juristic person, as defined under POPIA.

Processing means any operation concerning personal information, including collection, recording, storage, use, sharing, modification, deletion, or destruction.

Responsible Party means the entity that determines the purpose of and means for processing personal information.

Operator or Service Provider means a third party that processes personal information on our behalf.

Usage Data means technical, diagnostic, and interaction data collected automatically when you use the App.

User, you, or your means any individual who downloads, registers for, accesses, or uses Fair Loan.

2. Responsible Party

For purposes of POPIA, the responsible party for the processing of personal information described in this Privacy Policy is:

SNAP CREDIT (PTY) LTD

App Name: Fair Loan

Address: 101 PARKLAND DR UNIT 1, ESTHER PARK, JOHANNESBURG, 1619, South Africa

Email: support@snapcredit.net

Phone: +27 648994846

3. Information We Collect

We collect only the personal information that is reasonably necessary to provide, operate, secure, improve, and administer Fair Loan and our loan-related services.

3.1 Account and Contact Information

When you register for or use Fair Loan, we may collect:

Full name
Mobile phone number
Email address
Date of birth
Gender
Residential address
Province, city, and postal code
Account login information
Customer support communications

This information is used to create and manage your Account, communicate with you, provide customer support, and operate our services.

3.2 Identity Verification Information

To verify your identity and prevent fraud, we may collect:

South African identity number or other identification details
Photographs of the front and back of your identity document, captured through your device camera
A static facial photograph captured through your device front camera
Other documents or information you voluntarily submit for verification purposes

The facial photograph is collected only when you actively take or submit the photo in the App. Fair Loan does not use your camera to record continuous video, conduct background monitoring, or capture images without your action and permission.

Your identity document images and facial photograph may be used to:

Verify your identity
Confirm that the identity document belongs to you
Compare your submitted facial photograph with your identity document
Prevent impersonation, duplicate accounts, identity fraud, and unauthorized access
Support loan application review
Meet legal, regulatory, security, and risk management obligations

We do not collect facial photographs or identity document images for advertising, marketing profiling, resale, or unrelated tracking purposes.

3.3 Financial and Loan-Related Information

To provide loan-related services, we may collect or process:

Loan application details
Loan amount requested
Loan approval status
Repayment schedule
Repayment history
Bank account information
Payment or repayment-related information
Transaction references
Employment information
Income-related information
Affordability assessment information
Creditworthiness or risk assessment information

This information is used to assess loan applications, process approved loans, manage repayments, prevent fraud, and comply with applicable financial, credit, consumer protection, and responsible lending requirements.

3.4 Emergency Contact Information

Where required as part of the loan application process, you may be asked to provide emergency contact information.

Emergency contact information may be used only for account verification, fraud prevention, risk management, customer contact, or loan-related communication where lawful and necessary.

You are responsible for ensuring that any emergency contact information you provide is accurate and that you have the right to provide such information.

3.5 Usage Data and Technical Information

When you use Fair Loan, we may automatically collect certain technical and usage information, including:

IP address
Device type and model
Operating system and version
App version
Device identifiers
Log data
Access times
Features used
Pages or screens viewed
App interaction data
Crash reports
Diagnostic data
General location derived from device or network information

This information is used to operate, maintain, secure, troubleshoot, analyze, and improve the App.

4. App Permissions and iOS Privacy Disclosures

Fair Loan may request access to certain device permissions only where necessary for App functionality, security, fraud prevention, identity verification, loan processing, analytics, or service improvement.

You may manage or revoke permissions at any time through your device settings. However, some App features may not function properly if required permissions are disabled.

4.1 Camera

Fair Loan may request access to your device camera to allow you to:

Take a static facial photograph using the front camera
Take photos of the front and back of your identity document
Upload identity verification documents
Submit supporting documents for loan application or account verification

Camera access is used only when you choose to take or upload the required photo or document inside the App.

We do not access your camera in the background. We do not continuously record video. We do not take photos without your permission or active action.

If you deny camera permission, you may not be able to complete identity verification, submit a loan application, or access certain App features that require identity verification.

4.2 Location

We may request access to your device location to:

Confirm service availability within South Africa
Support fraud prevention and security checks
Verify information submitted during registration or loan application
Comply with applicable legal or regulatory requirements

We do not use location permission for continuous background tracking unless clearly disclosed and permitted by your device settings.

4.3 Notifications

We may send push notifications or in-app notifications for:

Account updates
Loan application status
Repayment reminders
Security alerts
Important service notices
Customer support messages

You may manage notification permissions through your device settings.

4.4 Calendar or Reminders

Where available and only with your permission, Fair Loan may use calendar or reminder functionality to help you manage repayment due dates.

You may disable this permission at any time through your device settings.

4.5 Advertising Identifier and Tracking

We may use Apple’s Identifier for Advertisers, device identifiers, or similar technologies only where permitted by Apple’s App Tracking Transparency framework and applicable law.

Where required, we will request your consent before tracking you across apps or websites owned by other companies.

We do not use your facial photograph, identity document images, financial information, or loan information for third-party advertising tracking.

5. Sensitive Personal Information, Facial Photograph, and Identity Document Data

Your facial photograph, identity document images, financial information, and identity verification information may be sensitive personal information under applicable law.

We process this information only for lawful and necessary purposes, including:

Identity verification
Fraud prevention
Loan application assessment
Account security
Risk management
Compliance with legal or regulatory obligations
Dispute resolution
Audit and record-keeping where required by law

We do not sell, rent, trade, or use your facial photograph or identity document images for advertising, behavioral tracking, or unrelated profiling.

Where we use service providers to help verify identity or prevent fraud, they may process your facial photograph and identity document images only for authorized purposes and must protect such information using appropriate security safeguards.

6. How We Use Your Information

We may use your personal information for the following purposes:

To create, verify, and manage your Account
To provide, operate, and maintain Fair Loan
To process loan applications
To verify your identity
To capture and process your static facial photograph for identity verification
To capture and process photographs of the front and back of your identity document
To confirm that the identity document submitted belongs to the person applying for the service
To assess eligibility, affordability, repayment capacity, and credit risk
To disburse approved loans
To manage repayments and account status
To send repayment reminders and service notifications
To provide customer support
To respond to your questions, complaints, or requests
To prevent impersonation, duplicate applications, identity fraud, unauthorized account use, and other fraudulent activity
To detect, prevent, and investigate misuse, unauthorized access, and security incidents
To improve App functionality, performance, security, and user experience
To conduct internal analytics and service optimization
To comply with applicable laws, regulations, legal processes, and regulatory obligations
To enforce our terms, policies, and agreements

We do not sell your personal information.

7. Legal Basis for Processing Personal Information

We process personal information in accordance with POPIA and applicable South African laws. Our processing may be based on one or more of the following grounds:

You have provided consent
Processing is necessary to perform a contract with you
Processing is necessary to take steps at your request before entering into a contract
Processing is necessary to comply with legal obligations
Processing protects our legitimate interests or your legitimate interests
Processing is necessary for fraud prevention, security, identity verification, and responsible service operation

Where processing is based on consent, you may withdraw your consent at any time, subject to legal, contractual, regulatory, fraud prevention, and record-keeping limitations.

8. Credit Assessment and Automated Processing

Fair Loan may use manual, automated, or semi-automated tools to assist with identity verification, fraud prevention, affordability assessment, credit risk assessment, and loan application review.

These tools may process information such as identity verification data, loan application information, repayment history, device information, and risk signals.

Automated or semi-automated processing may help us decide whether to approve, reject, review, or limit a loan application. Where required by applicable law, you may contact us to request information about a decision, ask for correction of inaccurate information, or request human review.

9. Sharing of Personal Information

We may share your personal information only where lawful, necessary, and appropriate.

9.1 Service Providers

We may share information with trusted service providers who assist us with:

Cloud hosting
Identity verification
Facial photograph and identity document verification
Payment processing
Credit assessment
Fraud prevention
Data analytics
Customer support
Messaging and notifications
Technical maintenance
Security monitoring

These service providers may process personal information only for authorized purposes and must protect it using appropriate safeguards.

9.2 Financial, Payment, and Verification Partners

Where necessary to provide loan-related services, we may share information with banks, payment processors, identity verification providers, credit-related service providers, and other financial service partners.

9.3 Credit Bureaus and Risk Assessment Partners

Where permitted by law and relevant to loan assessment, fraud prevention, affordability assessment, debt management, repayment reporting, or credit risk review, we may share or obtain information from credit bureaus, risk assessment providers, or similar authorized entities.

9.4 Legal and Regulatory Authorities

We may disclose personal information where required or permitted by law, regulation, court order, lawful request, regulatory process, or government authority.

9.5 Business Transfers

If SNAP CREDIT (PTY) LTD is involved in a merger, acquisition, restructuring, sale of assets, financing, or business transfer, personal information may be transferred as part of that transaction, subject to appropriate confidentiality and data protection safeguards.

9.6 With Your Consent

We may share your information with other third parties where you have provided consent or instructed us to do so.

10. International Data Transfers

Your personal information may be stored or processed outside South Africa through secure cloud infrastructure or by service providers located in other countries.

Where personal information is transferred outside South Africa, we will take reasonable steps to ensure that appropriate safeguards are in place and that your personal information remains protected in accordance with POPIA and applicable data protection standards.

11. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including:

Providing the App and related services
Managing your Account
Processing loan applications
Managing repayment obligations
Resolving disputes
Preventing fraud
Complying with legal, regulatory, tax, accounting, reporting, and audit obligations

Facial photographs and identity document images will be retained only for as long as reasonably necessary for identity verification, fraud prevention, loan application review, account management, legal compliance, dispute resolution, audit, and regulatory purposes.

When personal information is no longer required, we will securely delete, destroy, de-identify, or anonymize it, unless continued retention is required or permitted by law.

12. Data Security

We implement reasonable technical, administrative, and organizational security measures to protect personal information against:

Unauthorized access
Loss
Misuse
Alteration
Disclosure
Destruction
Fraudulent activity
Security incidents

These measures may include encryption, access controls, secure storage, authentication controls, monitoring, internal policies, and confidentiality obligations for staff and service providers.

However, no method of electronic transmission, storage, or processing is completely secure. While we take reasonable steps to protect your personal information, we cannot guarantee absolute security.

13. User Control, Account Deletion, and Data Deletion

You may request access to, correction of, or deletion of your personal information by contacting us using the contact details below.

Where the App allows account creation, you may request account deletion through the App where such functionality is available or by contacting us at:

support@snapcredit.net

After receiving a valid deletion request, we will delete or de-identify personal information associated with your Account, unless we are required or permitted to retain certain information for legal, regulatory, fraud prevention, dispute resolution, accounting, audit, or contractual purposes.

Deletion of your Account may affect your ability to use the App and may not remove records we are legally required or permitted to retain.

14. Your Rights Under POPIA

Subject to applicable laws, you may have the right to:

Request confirmation of whether we hold personal information about you
Request access to your personal information
Request correction or update of inaccurate, incomplete, or outdated information
Request deletion or destruction of personal information where legally permitted
Object to certain processing of your personal information
Withdraw consent where processing is based on consent
Request restriction of certain processing activities
Submit a complaint to the Information Regulator of South Africa

To exercise your rights, please contact us using the details provided in the “Contact Us” section.

We may need to verify your identity before responding to your request.

15. Marketing Communications

We may send you service-related messages, repayment reminders, security alerts, and important account notices.

Where we send marketing or promotional communications, we will do so in accordance with applicable law. You may opt out of marketing communications at any time by following the unsubscribe instructions provided in the message or by contacting us.

Please note that even if you opt out of marketing communications, we may still send important non-marketing messages relating to your Account, loan application, repayments, security, or legal obligations.

16. Children’s Privacy

Fair Loan is intended only for users who are 18 years of age or older.

We do not knowingly collect personal information from children or minors. If we become aware that personal information of a minor has been collected without appropriate authorization, we will take reasonable steps to delete such information.

17. Accuracy of Information Provided by Users

You are responsible for ensuring that the personal information you provide to us is accurate, complete, current, and not misleading.

Providing false, incomplete, or inaccurate information may affect your ability to use the App, apply for services, receive loan approvals, or maintain your Account.

18. Third-Party Services and Links

The App may contain links to or integrations with third-party websites, platforms, payment providers, analytics tools, verification services, credit assessment providers, or other third-party services.

This Privacy Policy does not apply to third-party services that we do not own or control. We encourage you to review the privacy policies of any third-party services you access or use.

We are not responsible for the privacy practices, content, or security of third-party services.

19. App Store Privacy and Platform Requirements

Fair Loan is distributed through the Apple App Store and may be subject to Apple’s platform rules, including privacy disclosure and permission requirements.

We aim to ensure that the data practices described in this Privacy Policy are consistent with the privacy information disclosed on the App Store product page, including the types of data collected, the purposes of collection, and whether data is linked to your identity or used for tracking.

The types of data that may be collected through Fair Loan include, depending on your use of the App:

Contact information
Identity information
Financial information
User content submitted for verification
Static facial photograph
Identity document images
Location-related information
Device information
Usage data
Diagnostic data

These data types may be linked to your identity where necessary to provide loan-related services, verify your identity, prevent fraud, comply with legal obligations, or manage your Account.

We do not use facial photographs, identity document images, financial information, or loan information for third-party advertising tracking.

If there is any material change to our data practices, we may update this Privacy Policy and, where required, update our App Store privacy disclosures.

20. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, security practices, App Store requirements, or data processing activities.

When we update this Privacy Policy, we will revise the “Effective Date” above. The updated version will be made available within the App or through other appropriate means.

Your continued use of Fair Loan after the updated Privacy Policy becomes effective means that you have read and understood the updated Policy.

21. Contact Us

If you have any questions, requests, complaints, or concerns regarding this Privacy Policy or the processing of your personal information, please contact us:

Company Name: SNAP CREDIT (PTY) LTD