Protection of Personal Information (POPIA) Compliance
Introduction
At Unum Credit, we are committed to protecting your personal information and upholding your right to privacy in accordance with the Protection of Personal Information Act (POPIA), Act No. 4 of 2013.
This policy outlines how we collect, use, store, share, and protect your personal information, as well as your rights regarding your personal data when you interact with us through our website or services.
What Personal Information We Collect
We may collect and process the following personal information:
- Full name, ID or company registration number
- Contact details (email, phone number, physical and postal address)
- Financial and transactional information (e.g., bank statements, purchase orders, invoices)
- Business information, including turnover, operational history, and funding requirements
- Website usage data via cookies and analytics tools
- Any other information you provide through our application forms or communication with our team
How We Use Your Personal Information
Your personal information is used to:
- Process funding applications and assess credit risk
- Provide financial services and ongoing customer support
- Fulfil contractual obligations and comply with legal requirements
- Improve our website, services, and customer experience
- Communicate with you regarding your application or enquiries
- Send relevant marketing communications (only with your consent)
Lawful Basis for Processing
We process personal information on one or more of the following legal bases:
- Your consent (which can be withdrawn at any time)
- Compliance with legal or regulatory obligations
- The performance of a contract with you or your business
- Legitimate interests of Unum Credit, such as fraud prevention and service improvement
Disclosure of Information
Unum Credit may share your information with:
- Our internal staff and authorised agents involved in your funding process
- Financial institutions, credit bureaus, or third-party service providers (only where necessary and with appropriate confidentiality agreements in place)
- Regulatory bodies and authorities if required by law
We do not sell your information to third parties.
Data Security
We implement industry-standard security measures to protect your information, including:
- Encrypted data transmission and storage
- Restricted access to personal data
- Regular system monitoring and vulnerability assessments
Your Rights Under POPIA
You have the right to:
- Access the personal information we hold about you
- Request correction or deletion of inaccurate or unnecessary data
- Object to or restrict processing in certain circumstances
- Withdraw consent where processing is based on your permission
- Lodge a complaint with the Information Regulator (South Africa)
Retention of Information
We retain personal information only for as long as necessary to fulfil the purpose it was collected for, or as required by applicable laws and regulations.
Cookies and Website Tracking
We use cookies and analytics tools to collect anonymous browsing data to improve your user experience. You may adjust your browser settings to disable cookies if you prefer.
Contact Us
If you have any questions about how we handle your personal information or if you wish to exercise any of your POPIA rights, please contact us at:
📧 Email: info@unum.credit
Updates to This Policy
This POPIA policy may be updated from time to time. The latest version will always be available on our website.
Last updated: 04 August 2025