The following Privacy Policy safeguards your personal information in accordance with South African Personal Data (Privacy) legislation. This Privacy Policy covers how we will collect, use, and disclose your personal data, as well as the steps we’ll take to keep it safe and secure.

Information we collect

We may collect some of your personal data when you register for and/or use our services (for example, to get competitive rates for personal loans). We may also retain information on how you use our website, such as the website from which you linked to us, the pages you visited, changes you made to the data you submitted to us, and details of the quotes you requested and transactions you made.

Collection of Personal Information

Personal information collected online will only be disclosed within our corporate group and related partners for internal use only. When you sign in at https://aamoney.co.za the personal information we collect may include your but not exclusive to:

• First name
• Last name
• Phone number
• Email address
• Gross income
• Net income
• Monthly expenses
• Payday
• Debt review status
• Home address
• Employment status
• Banking details

The personal information we collect from you will be used in some or all of the following ways:

• To direct your enquiry to one of our partners
• To provide you with relevant product information
• To process your enquiry with the services and information offered through our website and which you request. This could be in the form of a Credit Report.

The user (You) guarantees that the personal data submitted is correct and complete and agrees to notify us of any changes or updates. The User will be solely responsible for any loss or damage made to the website, the person responsible for the website, or any third party as a result of the User’s provision of inaccurate, inexact, or incomplete information on the registration forms.

We may use your personal information to send/contact you regarding marketing and/or promotional goods from time to time if you sign up or subscribe on our https://aamoney.co.za website. If appropriate, we will allow our subsidiaries and affiliated companies to send you relevant marketing materials, but only after notifying you that your data will be used for that purpose and what type of personal data will be used. Without your express authorization, we will not use your personal information for direct marketing purposes.

AA Money will only use the information you supply and store to improve your experience on the site. AA Money has the option of using your information (personal, credit reports) to improve our service to you and provide a more efficient lead allocation, savings, and financial tool platform.

We will always allow you to unsubscribe from marketing information at any time by using the unsubscribe feature within the electronic marketing document.

Purposes for which we use your data

Your personal information is used to provide you with any or all the following advantages:

• To allow you to use our free comparison services; and/or
• To allow third-party suppliers to contact you and assist you if you express interest in their products or services.
• To allow you to access online application forms on third-party external sites
• To improve our overall service to you and other users, to analyse market trends and client demographics; and/or
• To send you information about products and services in which you may have expressed an interest
• To complete a transaction between you and a third-party

Disclosure on Personal information

We will keep your personal information private and will not disclose, transfer, or enable access to it to anybody other than the following parties:

• Subsidiaries and any related companies.
• Third parties whose products or services are advertised on our website provide you with an online quotation for the product or service you have requested. Because these third parties function as data controllers, you should read their privacy policies or contact them directly for further information.
• Fraud Interference agencies are used to prevent fraud and money laundering when fraudulent or inaccurate data is provided, and fraud is suspected.
• Banks, lenders, and insurance companies who offer products that may interest you.

AA Money may be forced to reveal personal information in unusual circumstances. AA Money is committed to following and adhering to the law or a court order, or in response to a lawful request by government or law enforcement authorities, or if we believe in good faith that disclosure is required for the protection of our rights or properties, or to identify, contact, or bring legal action against any person who may be causing damage to or interference with our rights or properties (whether intentionally or unintentionally).

Your contact information may, however, be used to send you newsletters from us and our affiliated organisations. Only with prior authorization. You can unsubscribe from our email newsletters at any time by clicking the unsubscribe link in any of our emails. The link is always included in the email’s footer. Unsubscribing does not require a password or login. By using our services, you agree to the following companies receiving your personal information.

Keeping you updated regarding our services

You consent to us and our trusted third parties informing you about products, services, and other offers that we believe may be of interest to you via email, postal mail, phone calls, or text.

We will provide you the opportunity to tell us if you do not consent to us or others using and sharing your personal data for marketing purposes whenever you provide us with personal data. You are presumed to agree to such uses until you specify otherwise.

At any moment, you can unsubscribe from any electronic marketing materials we send you. If you do not wish to be contacted by us again, please let us know at any time by visiting www.aamoney.co.za or sending an email to queries@aamoney.co.za.

You can also ask us at any time not to share your information with third parties for marketing purposes. However, if you make such a request, we may be unable to deliver our services to you.

Improving our service

We may ask for your comments to ensure that the services we provide you continue to suit your needs. Any input you provide will be used purely to improve our services to you and will not be made public.

Third party providers and privacy of information

If you choose to enter into a contract with a third party through this website, the data you submit to us, as well as any other information requested and provided by you or us to the third party, is controlled by the third party and is subject to the privacy policies of that third party provider. As a result, we recommend that you read the privacy policies of your selected provider before signing a contract. We are not responsible for the use of your personal data by third-party suppliers.

Cookies & Collection of Computer Data

AA Money wants to provide you with the best service possible, and we use cookies to help us do so. Our servers will remember information sent by browsers when visitors visit AA Money. This information includes:

• IP address
• Browser type
• Website visited before coming to AA Money
• AA Money page seen by user
• Time spent on AA Money

These cookies allow us to:

• Provide you with a more tailored online experience. It enables us to recognise you when you return to this site. You can also access any quotes you’ve previously saved.
• Examine this website’s surfing habits. The more we know about the products you’re interested in, the more we’ll be able to provide you with tailored solutions.
• Collect data on the number of visitors to this website and the pages they saw; and

Cookies are usually destroyed when you close your browser; they are known as session cookies. Persistent cookies, on the other hand, remain on your device until you erase them, or they expire. You consent to our use of cookies by using this service. We do not collect, process, or use any of your personal information because this data does not reveal any personal information.

To block or erase cookies, change the settings of your computer browser. You may not be able to access all our services if you choose to block or remove our cookies, and this may affect the performance of our website on your system.

AA Money may utilise Google Analytics and Google Display Network capabilities such as advertising and remarketing in conjunction with the foregoing.

Security

We value the security of your information. We provide a high level of data security. However, no data transmission over the internet can be guaranteed to be completely safe. Highly sensitive information, such as credit card numbers, is encrypted during transmission to reduce the risk of interception. While we make every effort to protect your personal information, we cannot guarantee or promise the security of any information you provide to us, and you do so at your own risk. The Terms and Conditions also state that you must keep any username and password you use to register for the services secure.

Your Rights

Certain rights are yours. For example, if you write to us, we will provide you with a copy of your personal information. You will also be able to modify or correct any information you previously submitted. You have the right to file a complaint with the South African Department of Regulation. Here are their contact details for your convenience: The Information Regulator’s phone number is (012) 406 4818, his fax number is 086 500 3351, and his email address is inforeg@justice.gov.za.

Your Responsibility

As part of your use of this website, you may be needed to complete a registration process. This may entail establishing a username and password. Your login and password should not be shared with anybody. You are completely responsible for all activity carried out on this website using your username and password if you choose to share them with others.

Access to and Correction of Personal Data

In line with the Personal Data (Privacy) Ordinance, you have the right to seek access to and correction of your personal data held by us. It is entirely up to you to fill out and submit the AA Money application form with the information you desire. AA Money need this information in order to conduct a credit check and risk assessment on you before referring you to the right partner for you. We will be unable to do a credit check and aid you in locating your best-suited partner if you do not complete the application in its entirety.

Language

This privacy policy was written in English at the time of its creation.

Changes to this policy

This Privacy Policy may be updated in the future. You agree to the amended Privacy Policy by continuing to access or use the services after such changes have been implemented. The last time this Privacy Policy was updated was on June 20, 2022.

Contacting us about this policy

Contact us at AA Money, Johannesburg, South Africa, if you have any questions or comments regarding this Privacy Policy.

AA Money’s email address is queries@aamoney.co.za.