Privacy Policy

1. Information We Collect

We may collect the following personal information:

• Full name and surname
• South African ID number or passport number
• Date of birth
• Residential and postal address
• Email address and telephone number
• Employment details
• Income and expense information
• Bank statements and payslips
• Credit-related information where authorised
• Property purchase information
• Home loan application information
• Any supporting documents provided by you

2. How We Use Your Information

We collect and process your personal information to:

• Assess your home loan requirements.
• Conduct affordability assessments.
• Assist with bond pre-qualification.
• Submit home loan applications to participating financial institutions.
• Communicate with you regarding your application.
• Verify your identity where required.
• Comply with legal and regulatory obligations.
• Improve our products and services.

3. Sharing of Information

We may share your personal information with:

• Participating banks and registered credit providers.
• Conveyancing attorneys involved in your property transaction.
• Property developers or estate agents where relevant to your application.
• Credit bureaux where you have provided the necessary authorisation or where permitted by law.
• Trusted third-party service providers who assist us in delivering our services.
• Regulatory or government authorities where disclosure is required by law.

4. Consent

By submitting your personal information through our website, you acknowledge that you have read this Privacy Policy and consent to the collection, processing, and sharing of your personal information for the purposes described above. Where a credit bureau enquiry is required, we will obtain the appropriate authorisation before conducting such enquiries.

5. Protection of Your Information

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, misuse, alteration, or disclosure. While we strive to protect your information, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Retention of Information

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected or as required by applicable laws and regulations.

7. Your Rights

Subject to applicable law, you may:

• Request access to your personal information.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal information where legally permissible.
• Withdraw your consent where processing is based on consent.
• Lodge a complaint with the Information Regulator of South Africa if you believe your personal information has been processed unlawfully.

8. Cookies

Our website may use cookies and similar technologies to improve your browsing experience, analyse website traffic, and enhance website functionality. You may disable cookies through your browser settings; however, some website features may not function correctly.

9. Third-Party Websites

Our website may contain links to third-party websites. BondConnect SA is not responsible for the privacy practices or content of those websites.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with the revised effective date.

11. Contact Us

If you have any questions regarding this Privacy Policy or the way we process your personal information, please contact us: BondConnect SA (Pty) Ltd. We are committed to protecting your privacy and handling your personal information responsibly and in accordance with applicable South African legislation.