Privacy Policy

 

TOTAL FINANCE is committed to protecting your privacy and utilising technology that gives you the most effective and safe online experience.

INTRODUCTION

We proud ourselves on the way your personal information is handled at TOATAL FINANCE. Therefore, we have outlined our Privacy Policy as clearly as possible to assure you that your personal information will be treated confidentially and with the utmost respect and privacy.

Should we need to disclose your personal information in order to comply with a legal request or to enforce any regulation stated in our Terms and Conditions policy, we will do so at our own discretion. By using the TOTAL FINANACE website, you consent to the data practices described in this statement.

Our Privacy Policy applies to all current and former customers and may change from time to time. When you read our Privacy Policy, you will learn how we collect, process and use your personal information.

By agreeing to our Terms and Conditions you permit us or our partners / suppliers to contact you about services or products which we believe you may be interested in, offered by us, companies in our group or other companies approved by us, or to carry out market research about our services or products or those of third parties. We may also pass information on to other companies approved by us so that they may contact you about services or products which they believe you may be interested in.

Based on the information that you have provided in your application, totalfinance.co.za will match you with a loans company. Please note that any money transfers may vary between lenders. Using your valid South African identity number, a credit check may be conducted to check your credit history and this information may be shared with any of our partners to ascertain suitability for a loan. We do not guarantee that your loan application will be successful, and we strongly recommend that you only borrow what you can afford to repay within the loan terms.

SECURITY, CONFIDENTIALITY AND DATA INTEGRITY

We are subject to the South African data protection laws to which we fully subscribe and are in strict compliance with.

TOTAL FINANCE has developed a secure server to store your personal information on our database that has built-in safeguards and firewalls.

TOTAL FINANCE values your personal information. We take all precautionary steps to protect your personal information from misuse, loss or unauthorised alteration. 

TOTAL FINANCE protects your information by using Secure Sockets Layer (SSL) encryption technology. Our employees have access to this information on a need-to-know basis only, as all our web pages are access controlled. Due to the firewalls and latest security technology, our servers are protected from external attacks. We test and update our systems regularly to make sure that our security is not breached. We also have a dedicated team to monitor movement of information on our database.

As the Internet is not a secure medium of communication, TOTAL FINANCE cannot guarantee the security of any information you put on our website or send to us via the Internet. TOTAL FINANCE are not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. To minimise the possible risks associated with the provision of personal data, every online application on this website is encrypted using 128-bit encryption, the latest and most powerful encryption technology available.

This ensures that information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link called a Secure Sockets Layer (SSL), encrypts all the information passing between your browser and our TOTAL FINANCE  online applications.

We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any e-mails sent by this Company will only be in connection with the provision of agreed services and products.

PERSONAL INFORMATION AND COLLECTION OF DATA

What is personal information?

Information that identifies you and which relates to all your personal details.

How do we collect your personal information?

We collect your personal information from the data you provide on the online application form. We use this information for various purposes, including, but not limited to, our products and services assessment, i.e., whether or not we think we can assist you in finding a loan, statistical analysis, development of products, enhancing of current products, and market research, etc.

TOTAL FINANCE collects personally identifiable information, such as your email address, name, home or work address or telephone number, and all your financial particulars.

TOTAL FINANCE  may also collects anonymous, demographic information, which is not unique to you, such as your postal code, age, gender, preferences, interests and favourites.

Information regarding  your computer hardware and software may also automatically be collected by TOTAL FINANCE. This information can include your IP address, browser type, domain names, access times and referring website addresses. This information is used by us for the operation of our services, to maintain quality of our services, and to provide general statistics regarding use of the TOTAL FINANCE website.

Sharing of Data for Service Provision

We may share the data you submit with third parties involved in the process of providing the services you request, such as brokers, lenders, affiliates, cell phone providers, customer and financial service providers. We have trusted relationships with these carefully selected, third parties who perform services on our behalf. All service providers are bound by agreement to maintain the confidentiality and security of your personal information, and are restricted in their use thereof as per this Privacy Policy.

Direct Marketing

We will provide you with information about our new products, promotions, special offers and other information which we think you may find interesting. We may send you such information via email, mail, telephone or sms in accordance with the information you have provided us with. We will continue to provide you with marketing material through specific methods of communication. This is a free service sent to you from our marketing department.

USE OF COOKIES

The TOTAL FINANCE website makes use of 'cookies' to help you personalize your online experience.

What is a Cookie?

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of a cookie is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. 

This simplifies the process of recording your personal information, such as billing or shipping addresses, etc. When you return to the same TOTAL FINANCE website, the information that you had previously provided can be retrieved, so you can easily use the TOTAL FINANCE features that you had customised.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the TOTAL FINANCE services or websites you visit.

CHANGES TO THIS POLICY

TOTAL FINANCE will occasionally update this Privacy Policy to reflect company and customer feedback. TOTAL FINANCE encourage you to periodically review this policy in order to be kept informed of how we are protecting your information.

In using this website you are deemed to have read and agreed to the terms and conditions layed out in the Privacy Policy and the Disclaimer section.

3 easy steps to a fast cash loan