PRIVACY POLICY

Moola Cash Loans (Pty) Ltd
Company Registration Number: 2025/897673/07
Effective Date: 13 October 2026

1. Introduction

Moola Cash Loans (Pty) Ltd (“Moola Cash Loans”, “we”, “us” or “our”) is committed to respecting and protecting the personal information of customers, applicants and website visitors.

This Privacy Policy explains how we collect, use, disclose, retain and safeguard personal information in accordance with the Protection of Personal Information Act, 4 of 2013 (POPIA), and other applicable South African legislation.

It applies to our website, loan application processes, customer communications and related services.

2. Company Information

Registered Name: Moola Cash Loans (Pty) Ltd
Registration Number: 2025/897673/07
Operating Location: Bloemfontein, Free State, South Africa (online operations)
Postal Address: PO Box 13044, Noordstad, Bloemfontein, Free State, 9302
Email: moolacashloans@gmail.com
Website: https://moolacashloans.co.za/

Designated Information Officer: Daniel — full name, contact information and registration status pending confirmation.

3. Personal Information We Collect

When customers apply for loans through our application platform, QuinnPay, they submit:

• A copy of their identity document.
• Their latest payslip.
• Three months of bank statements.

We also process credit reports obtained from XDS, information contained in customer communications and financial transaction records required to administer approved loans.

QuinnPay may collect additional information through its application process. The complete categories of information collected will be confirmed with the platform provider.

We aim to collect only information reasonably necessary for legitimate and lawful purposes.

4. Purposes of Processing

We use personal information to:

• Receive and review loan applications.
• Verify applicant information.
• Conduct credit and affordability assessments.
• Obtain credit reports from XDS.
• Make loan approval or decline decisions.
• Communicate with applicants and customers.
• Administer loan accounts, disbursements and repayments.
• Maintain financial records and respond to complaints.
• Meet applicable legal and regulatory obligations.
• Send promotional communications where permitted by law.

Our Accounts Department reviews customer information and makes final loan approval or decline decisions.

Processing will be based on an appropriate lawful justification, which may include contractual necessity, legal obligations, legitimate interests recognised under POPIA or consent where required.

5. Credit Bureau Processing

Moola Cash Loans obtains credit reports from XDS to support application assessments.

Credit reports may contain information about an applicant’s credit history and financial obligations.

Whether Moola Cash Loans submits repayment performance, missed payments or other account information to XDS remains subject to confirmation.

Any credit bureau reporting must comply with applicable credit and data protection legislation.

6. Third-Party Service Providers

We currently use the following identified external service providers:

QuinnPay: Receives online loan applications and supporting documents through its application platform.

XDS: Provides credit reports for application assessment purposes.

Banking institutions: Process loan disbursements, debit orders and EFT repayments.

We share information only where necessary for lawful business purposes and subject to applicable privacy requirements.

QuinnPay’s additional service providers, processing responsibilities, document storage arrangements and hosting locations are still being verified.

7. Loan Payments

Approved loans are disbursed by EFT into customers’ bank accounts.

Repayments are made through debit orders or EFT.

Relevant banking and transaction information is processed for these purposes, subject to applicable legal and payment requirements.

8. Marketing Communications

We communicate promotional information through WhatsApp, SMS, email and telephone calls.

We will obtain consent where required by law and respect customers’ rights to object to direct marketing.

Customers may request removal from promotional communications through our WhatsApp communication channel or by emailing moolacashloans@gmail.com.

We will record and process opt-out requests and apply them across the relevant marketing channels.

Necessary transactional communications may continue where permitted or required by law.

9. Cookies and Tracking Technologies

Our website uses or references Google Tag Manager, a technology used to manage website tracking scripts.

The presence of Google Tag Manager does not necessarily mean that Google Analytics, advertising pixels or other optional tracking services are active.

The complete list of cookies, tracking technologies, providers, purposes and retention periods is undergoing technical verification.

Essential cookies may be necessary for website operation. Non-essential analytics or advertising technologies will be managed in accordance with applicable consent requirements.

Visitors can control certain cookies through their browser settings.

Where a separate Cookie Policy is published, it will provide further details about the technologies in use and the available consent controls.

10. Information Security

We recognise the importance of protecting identity documents, financial records, banking information and credit information.

We are required to implement appropriate, reasonable technical and organisational safeguards to protect personal information against loss, damage, unauthorised access and unlawful processing.

Specific controls relating to QuinnPay, website hosting, encryption, access management, document storage, backups and incident response are being verified.

Where a security compromise occurs, we will investigate and comply with applicable notification requirements under POPIA.

11. Data Retention

Moola Cash Loans currently retains customer and application records indefinitely and has not yet implemented a formal deletion schedule.

This practice is under review to establish retention periods that comply with POPIA and applicable financial, credit, tax and other recordkeeping obligations.

A formal retention schedule will distinguish between:

• Approved loan agreements and repayment records.
• Declined and withdrawn applications.
• Identity documents, payslips and bank statements.
• Credit reports and assessment records.
• Financial and accounting records.
• Customer communications and complaints.
• Marketing consent and opt-out records.
• Website and application security records.

We will establish procedures for securely deleting, destroying or de-identifying information once retention is no longer justified or required by law.

Until the retention review is completed, customers may contact us to request deletion of information where permitted by law.

12. Your Rights Under POPIA

Subject to applicable legal requirements, you may request:

• Confirmation of whether we hold your personal information.
• Access to your personal information.
• Correction of inaccurate or incomplete information.
• Deletion or destruction of information where legally permitted.
• Withdrawal of consent where processing relies on consent.
• Objection to certain processing activities.
• Removal from direct marketing communications.

Requests may be submitted to moolacashloans@gmail.com.

We may request reasonable identity verification before responding.

You may also lodge a complaint with the Information Regulator of South Africa.

Information Regulator: https://inforegulator.org.za/

13. International Data Processing

We are confirming whether QuinnPay or any of its service providers stores, accesses or processes personal information outside South Africa.

Where cross-border transfers occur, we will ensure that applicable POPIA requirements are addressed.

14. Complaints and Escalation

For privacy concerns, complaints or requests concerning personal information, contact:

Email: moolacashloans@gmail.com
Complaints Representative: Joe

Our complaints process is as follows:

1. Submit your complaint by email, including sufficient details for us to identify and investigate the issue.
2. Joe will review the complaint and coordinate any necessary internal investigation.
3. We aim to provide a response within three working days of receipt.
4. If further investigation is required, we will communicate the status and any additional information needed.
5. If the complaint remains unresolved, you may request internal escalation to management or the designated Information Officer.
6. Privacy complaints may also be referred to the Information Regulator of South Africa.

The three-working-day target is an initial response target and does not guarantee final resolution within that period.

15. Updates to This Policy

We may update this Privacy Policy to reflect changes in our operations, technology, service providers or applicable laws.

Any updated policy will be published on our website with a revised effective date.

16. Contact Details

Moola Cash Loans (Pty) Ltd
PO Box 13044, Noordstad
Bloemfontein, Free State, 9302
South Africa

Email: moolacashloans@gmail.com
Website: https://moolacashloans.co.za/