At SNAP CREDIT (PTY) LTD, we believe trust is the foundation of financial services.
When you choose Fair Loan, you are entrusting your personal information to us. This responsibility is taken with the highest level of care.
This Privacy Policy is designed not only for legal compliance, but to ensure you clearly understand:
What information we collect
Why we collect it
How we use it
How we protect it
What rights you have
We want you to remain informed and in control of your data at all times.

To provide secure and compliant financial services, we may collect the following categories of information:
Identity Information
Including:
Full name
Identification documents
Date of birth
Contact details
Residential address
Used for identity verification and account security.

Financial Information
Including:
Income sources
Income stability
Bank account details
Repayment records
Existing liabilities
Used to assess repayment capacity and design suitable financial solutions.

Usage Information
Including:
Login history
Operation records
Device information
IP address
Access frequency
Used for system security, fraud prevention, and service optimization.

We collect information to fulfill our responsibilities as a regulated financial institution:
Prevent identity misuse
Prevent fraud
Comply with financial regulations
Conduct risk assessment
Deliver appropriate services
We only collect information relevant to Fair Loan services.

Your information is used only for:
Identity verification and account management
Credit assessment and risk control
Service delivery and contract execution
Customer support
Legal and regulatory disclosure
We do not use your data for unrelated commercial marketing.

We apply multi-layered security measures:
Encrypted data storage
Access control systems
Internal audits
Security monitoring
Compliance reviews
Only authorized personnel may access your data under strict confidentiality obligations.

We do not sell your personal data.
We may share information only when legally required, such as:
Regulatory requests
Judicial orders
Credit bureaus for risk assessment
Technology service providers (limited scope)
All partners must comply with the same level of data protection standards.

You have the right to:
Access your personal data
Correct inaccurate data
Request deletion where appropriate
Understand how your data is used
Withdraw certain authorizations
You may contact our support team at any time to exercise these rights.

We retain personal data only as long as required by law and business necessity.
Data is securely deleted once no longer needed.

Fair Loan does not provide services to minors.
We do not knowingly collect personal information from minors.

This Privacy Policy may be updated to reflect regulatory changes or service improvements.
Significant changes will be announced via our website or app.

If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal data, you may contact us at any time. You can reach our data protection and support team via email at support@snapcredit.net, or submit a request through the Fair Loan mobile application.