Privacy Policy

At XS Finance, we respect your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, and share your personal data when you engage with our services.

1. Information We Collect

We may collect and process the following personal information:

- Identification details (e.g., full name, ID number)

- Contact details (e.g., phone number, email address, residential address)

- Financial information (e.g., income, employment status, bank statements)

- Loan details (e.g., loan amount, repayment history)

- Device and usage data (e.g., IP address, browser type, access times)

2. How We Use Your Information

Your personal data is used for the following purposes:

- To process loan applications

- To assess creditworthiness and affordability

- To communicate regarding your loan

- To comply with legal and regulatory requirements

- To improve our services and customer experience

- To prevent fraud and manage risk

3. Sharing of Personal Information

We do not sell your personal information. However, we may share your data with:

- Credit bureaus for credit scoring

- Payment processing service providers

- Legal or regulatory bodies (when required by law)

- Our affiliates and service providers under strict confidentiality agreements

4. Data Protection and Security

We implement appropriate technical and organizational measures to safeguard your personal information, including:

- Data encryption

- Secure servers and firewalls

- Restricted access to personal data

- Regular system monitoring and audits

5. Retention of Information

We retain your personal information only as long as necessary to:

- Fulfil the purposes outlined in this policy

- Comply with legal and regulatory obligations

- Resolve disputes and enforce agreements

6. Your Rights

You have the right to:

- Access your personal information

- Correct or update inaccurate data

- Withdraw consent (where applicable)

- Object to processing in certain circumstances

- Lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, please contact us using the details below.

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve functionality and analyse website traffic. You can manage your cookie preferences through your browser settings.

8. Changes to This Policy

XS Finance reserves the right to update this Privacy Policy from time to time. We will notify you of material changes via our website or direct communication.

9. Contact Information

If you have questions or concerns about this policy or your personal information, please contact us:

XS Finance (Pty) Ltd
Email: vasb@kfsvanapr.pb.mn
Phone: 031 210 0070
Website: www.xsfinance.co.za
Operating Hours: Monday – Friday, 8am to 4pm