POPIA Compliance Notice – XS Finance

Last Updated: July 2025

XS Finance (Pty) Ltd is committed to protecting your personal information and complying with the Protection of Personal Information Act (POPIA), 4 of 2013. This notice outlines how we collect, use, store, and protect your personal data when you use our services or visit our website.

1. Purpose of Collection

- Assess and process loan applications
- Verify identity and conduct affordability checks
- Communicate loan status and repayment reminders
- Comply with legal and regulatory requirements
- Prevent fraud and criminal activity

2. What Information We Collect

- Full name, ID number, and contact details
- Employment and income information
- Banking and financial details
- Credit history and payment behavior
- IP address and website usage (where applicable)

3. How We Use Your Information

- Evaluate creditworthiness
- Manage your loan account
- Perform customer service functions
- Send important updates (e.g., statements, notices, reminders)
- Conduct internal audits and compliance checks

4. Consent

By applying for a loan or using our website, you give XS Finance voluntary and informed consent to collect and process your personal data for lawful purposes.

5. Sharing of Information

- Registered credit bureaus
- Payment processing service providers
- Law enforcement or regulatory bodies when legally required
- Trusted service providers who assist us in delivering our services
- We will never sell your data.

6. Your Rights Under POPIA

- Access your personal data
- Correct or update your information
- Object to the processing of your data (under certain circumstances)
- Request deletion of personal data no longer needed
- Lodge a complaint with the Information Regulator

7. Information Security

XS Finance applies reasonable administrative and technical safeguards to protect your data from loss, theft, unauthorised access, or disclosure.

8. Retention Period

We retain your personal data only as long as necessary to fulfil the purpose for which it was collected or to comply with legal obligations.

9. Contact Details

XS Finance (Pty) Ltd
-📧 Email: fhccbeg@kfsvanapr.pb.mn
-🌐 Website: www.xsfinance.co.za