Loans For South African Citizens Only

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Tuesday, 20 November, 2018

Who we are and what we do

Hoopla Loans creates technology and infrastructure systems that drive many of the largest lead generation companies in the South African instalment-loan market-place.

Through our consumer brands, we help people to receive the financial support they need.

This website uses Google Adwords

This website uses the Google AdWords remarketing and customer match services to exclude advertising on third party websites (including Google) to previous site visitors or site users.

It could mean that we EXCLUDE advertisements to previous visitors on our site. This could be in the form of excluding an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve or exclude ads based on someone's past visits to this website.

Of course, any data collected will be used in accordance with our own privacy policy and Google's privacy policy.

It could also mean that we EXCLUDE advertisements to previous applicants that have submitted their email address to us for the purpose of obtaining or using or services offered on our websites.

AdWords remarketing will allow us to not display ads to you based on what parts of the this website you have viewed by placing a cookie on your machine or not display ads if you are logged in to any google services by using your email address to exclude advertisements to you using the Google Adwords customer match service.

This cookie does not in anyway identify you or give access to your computer.

Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. As always we respect your privacy and are not collecting any identifiable information through the use of Google's or any other 3rd party remarketing system.

In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.

You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

By submitting your loan application to Hoopla Loans you are accepting and agreeing to the practices described in this Privacy Policy.

Your application is being processed by Hoopla Loans. Hoopla Loans believes it is important to protect your Personal Data and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy.

This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms.

When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products (as applicable). You can normally do this by ticking a box on an application form. You may change your mind at any time by emailing us at the address below.

Some of the Personal Data we hold about you may be 'sensitive personal data' within the meaning of the Data Protection Act.

Collecting Information

We may collect Personal Data about you from a number of sources, including the following:

From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details.

From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how you use our services.

From documents that are available to the public, such as the electoral register and country court judgments from third parties such as fraud prevention and credit reference agencies.

Using Your Personal Information

Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:

  • To help us to identify you when you contact us.
  • To help us to administer your account and to contact you about any accounts, services and products we have provided.
  • To allow us to carry out marketing analysis and customer profiling (including with * transactional information), conduct research, including creating statistical and testing information.
  • To help to prevent and detect fraud or loss.
  • To help us to identify accounts, services and/or products which may be of interest to you from us or selected partners. We may do this by automatic means using a scoring system, which uses the Personal Data you have provided and/or any information we hold about you and Personal Data from third party agencies (including credit reference agencies).
  • To allow us to contact you in any way (including mail, email, telephone, fax, text/SMS or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.

When you select the box to share your information with selected third parties you agree to receive communications from those listed at the time of consent. We carry out due-diligence on each party that we work with to ensure your personal data is secure and that the communication you receive is relevant. The following communication types may be sent to you if you consent:
unsecured loan providers, secured loan providers, short term lenders, alternative lenders, peer to peer lenders, guarantor lenders.

Our partners may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.

We will not disclose your Personal Data to any third party except in accordance with this Privacy Policy.

We may allow other people and organisations to use Personal Data we hold about you in the following circumstances:

  • If we, or substantially all of our assets, are acquired or are in the process of being acquired by a third party, in which case Personal Data held by us, about our customers, will be one of the transferred assets.
  • If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.

We employ companies and individuals to perform functions on our behalf and we may disclose your Personal Data to these parties for the purposes set out in clause 2.1 or, for example, for fulfilling orders, delivering packages, sending postal mail and email, removing repetitive information from customer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit and debit card payments and providing customer service. Those parties are bound by strict contractual provisions with us and only have access to Personal Data needed to perform their functions, and may not use it for other purposes. Further, they must process the Personal Data in accordance with this Privacy Policy and as permitted by the Data Protection Act.

We will take all steps reasonably necessary to ensure that your Personal Data is treated securely and in accordance with this Privacy Policy and the Data Protection Act.

Where you give us Personal Data on behalf of someone else, you confirm that you have provided them with the information set out in this Privacy Policy and that they have not objected to such use of their Personal Data. In connection with any transaction which we enter into with you:

  • We, and other companies in our group, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments.

If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.

  • We will disclose your Personal Data as part of our brokerage service which involves searching with our network of lending partners who may contact you in relation to your application. This could be via telephone, SMS, automated voice messaging, post or e-mail.

Protecting Information

We have strict security measures to protect Personal Data.

We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.

It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer.

The internet

If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.

If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.

Cookies

When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called 'cookies'. These cookies cannot be used to identify you personally and are used to improve services for you. A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things, for example remembering your preferences, recording what you have put in your shopping basket, and counting the number of people looking at a website. We use cookies that are essential in order to enable you to move around our website and use its features when applying for your loan. Without these cookies, we would be unable to provide services you have asked for. We use Google Analytics cookies to collect information about how visitors use our website and to help us ensure it is tailored to our customers' needs and interests. These cookies only collect information in an anonymous form, including the number of website visitors and the pages visited. No personal information is collected or stored by Hoopla Loans. To opt out of being tracked by Google Analytics across all websites visit

http://tools.google.com/dlpage/gaoptout A number of websites provide detailed information on cookies, including AboutCookies.org and AllAboutCookies.org.

Links

The Website may include third-party advertising and links to other websites. We do not provide any personally identifiable customer Personal Data to these advertisers or third-party websites.

These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or 'serve') the advertisements that appear on the Website directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalise advertising content. We do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices. In addition, the Network Advertising Initiative offers useful information about internet advertising companies (also called 'ad networks' or 'network advertisers'), including information about how to opt-out of their information collection.

We exclude all liability for loss that you may incur when using these third party websites.

We may amend this Privacy Policy from time to time without notice to you, in which case, we will publish the amended version on the Website. You confirm that we shall not be liable to you or any third party for any change to this Privacy Policy from time to time. It is your responsibility to check regularly to determine whether this Privacy Policy has changed.

This Privacy Policy applies to Personal Data we hold about individuals. It does not apply to information we hold about companies and other organisations.

We aim to keep the Personal Data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate Personal Data about you, we will delete it or correct it promptly.