Hoopla Digital (Pty) Ltd – Website Terms and Conditions of Use

By accessing or using this website (“Website”) and the services offered through it (“Services”), you (“User”) agree to be bound by these Terms and Conditions. Please read carefully. If you do not agree, do not use this Website.

1. Contractual Capacity
   1. The User warrants that they are at least 22 years old and have the legal and mental capacity to enter into these Terms and Conditions.
   2. If the User acts on behalf of a juristic person, the User warrants that they have authority to bind that juristic person and agree to assume joint and several liability for obligations arising from these Terms.
2. Services Provided
   1. Hoopla Digital (Pty) Ltd (“Hoopla” or “Provider”) is an online loan broker. The Website allows Users to access information about personal loans and related financial products and, where applicable, conclude agreements with third-party lenders.
   2. Hoopla does not itself provide loans. It facilitates access to products and services offered by third parties.
   3. Use of any product or service offered by a third party is at the User's own risk.
3. Electronic Communications
   1. By using the Website or communicating electronically, the User consents to receive notices, disclosures, or communications by email or SMS to the contact details provided.
   2. Electronic communications shall be considered properly delivered when sent to the addresses provided by the User.
4. Personal Information and Data Processing
   1. Lawful Processing
      1. Personal information (“PI”) provided by Users will be collected, processed, and stored in compliance with the Protection of Personal Information Act 4 of 2013 (POPIA).
      2. PI will be used only for the purposes necessary to provide the Services, including:
      1. a) Verifying the identity of the User.
      2. b) Facilitating access to third-party lenders.
      3. c) Fraud detection and prevention.
      4. d) Customer communication regarding Services accessed or purchased.
      5. e) Regulatory compliance, risk management, and reporting.
      6. f) Internal research and anonymised analytics to improve services.
   2. Consent
      1. By using the Website, the User consents specifically and voluntarily to the processing of their PI for the purposes listed above.
   3. Data Minimisation
      1. Only PI necessary for the Services will be collected, including:
      1. a) Full name, date of birth, identity number
      2. b) Contact details (telephone, email, address)
      3. c) Employment and income information
      4. d) Credit history and debt review status
      5. e) Bank account details where required
   4. Third-Party Sharing
      1. PI may be shared only with third-party service providers, lenders, and regulators to the extent necessary for the purposes outlined in Section 4.1.
      2. [No personal information will be sold to third parties. Only anonymised, aggregated data may be shared for research or analytics.]
   5. Rights of Users
      1. Users have the right to:
      1. a) Access their personal information
      2. b) Request correction or deletion of PI
      3. c) Object to processing
      4. d) Withdraw consent at any time, subject to legal and contractual obligations
      2. Requests should be directed to [Insert Data Protection Officer or email].
   6. Data Retention
      1. PI will be retained only as long as necessary to fulfil the purposes set out in these Terms or as required by law.
5. Security Measures
   1. Hoopla will implement reasonable technical and organisational measures to protect PI against:
      1. a) Loss, damage, or unlawful destruction
      2. b) Unauthorised access or processing
   2. Users are responsible for maintaining security on their own devices (passwords, antivirus protection).
6. Third-Party Products and Services
   1. Links to third-party websites or access to third-party services are for convenience only.
   2. Hoopla is not responsible for the products, services, content, or privacy practices of third-party websites.
   3. Users must review each third party's terms and privacy policy.
   4. All content on this Website, including text, graphics, logos, images, audio, digital downloads, and data compilations, is the property of Hoopla Digital (Pty) Ltd or used under licence. Users may not copy, distribute, modify, or display content for any purpose other than to use the Services as expressly permitted under these Terms, without Hoopla's prior written consent.
7. Credit Bureau Processing
   1. Hoopla may conduct credit checks with registered credit bureaus (NCA Sections 68–72).
   2. Users will provide informed consent before any credit bureau enquiry is conducted.
8. Liability
   1. The Website and Services are provided "as is" without warranties regarding accuracy, availability, or completeness.
   2. Hoopla is not liable for indirect, incidental, or consequential losses, except as may be required by law.
   3. Liability exclusions do not extend to gross negligence or unlawful acts.
9. Cookies and Google Ads
   1. The Website uses cookies and Google Ads remarketing for analytics and improving services.
   2. No personally identifiable information is collected via cookies unless voluntarily provided.
   3. Users may disable cookies via browser settings.
10. Compliance with PAIA
    1. [Hoopla maintains a PAIA manual in terms of the Promotion of Access to Information Act 2 of 2000.]
    2. Users may request access to company records by following the PAIA manual procedures.
11. Governing Law
    1. These Terms are governed by the laws of the Republic of South Africa.
    2. Users consent to the jurisdiction of the High Court of South Africa for disputes arising from these Terms.
12. Contact Information
    • Hoopla Digital (Pty) Ltd
    • Physical Address: 2 Manhattan Corner, Century City, Cape Town, 77401
    • Email: [Insert Verified Email]
    • Phone: 087 724 6110
    • Registration Number: 2019/599562/07

Legal Disclaimer This Policy may be updated at our discretion. Users are advised to review the latest version regularly