Privacy Policy

1. Introduction

R Loans ("we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our services.

2. Information We Collect

We collect personal information necessary to provide our lending services, including:

• Full name, ID number, and student number
• Contact details (phone number, email address)
• Residence and campus information
• Bank account details for loan disbursement and repayment
• Proof of residence registration and student status

3. How We Use Your Information

We use your personal information to:

• Process and manage your loan application
• Verify your identity and student status
• Disburse funds to your bank account
• Communicate with you about your loan
• Comply with legal and regulatory requirements

4. Data Protection

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. All data is stored securely and encrypted where required.

5. Sharing Your Information

We do not sell or share your personal information with third parties except as required to provide our services (e.g., payment processing via Ozow) or as required by law.

6. Your Rights

Under POPIA, you have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (where applicable)
• Object to the processing of your information

7. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us via the details on our Contact page.