Privacy, consent and responsible data use.
Ndzinga Capital collects and processes personal information to assess applications, meet regulatory duties, protect clients and provide lending, insurance and related financial-service support.
Data workflow
How information is used in the journey
Capture consent and application details
Each stage should be visible to the client and supported by consent, disclosure or lawful basis.
Verify identity and documentation
Each stage should be visible to the client and supported by consent, disclosure or lawful basis.
Run affordability and credit checks
Each stage should be visible to the client and supported by consent, disclosure or lawful basis.
Prepare disclosures and decision outcome
Each stage should be visible to the client and supported by consent, disclosure or lawful basis.
Manage servicing, collections and regulatory records
Each stage should be visible to the client and supported by consent, disclosure or lawful basis.
Identity and contact
Name, South African ID number, date of birth, phone number, email address and address details.
Income and affordability
Employment status, employer details, income, expenses, existing obligations and bank account information.
Credit and application data
Application details, product selection, credit bureau results, repayment behaviour and supporting documents.
Digital interaction data
Device, browser, IP address, form progress and website activity needed to secure and improve the service.
Processing purposes
Why Ndzinga uses this information
- Assess loan, insurance and related financial-service requests
- Verify identity, reduce fraud risk and meet FICA, NCA and POPIA duties
- Calculate affordability, prepare disclosures and communicate application outcomes
- Administer accounts, repayments, claims, renewals and client support
- Report where required to regulators, credit bureaux and approved service partners
- Send relevant product information where the client has consented or where law allows it
Sharing and safeguards
Who may receive information
Ndzinga does not sell personal information. Information may be shared with credit bureaux, payment and banking partners, verification providers, insurers or underwriting partners, professional advisors, regulators and law-enforcement bodies where there is a lawful basis.
Your POPIA rights
Control, correction and complaints
Access
Ask what personal information Ndzinga holds about you.
Correction
Request correction of inaccurate or incomplete information.
Objection
Object to certain processing, including direct marketing.
Withdrawal
Withdraw consent where processing depends on consent.
Deletion
Request deletion where there is no lawful reason to retain the record.
Complaint
Complain to Ndzinga or the Information Regulator of South Africa.
Retention
How long records are kept
Ndzinga retains information for as long as needed to provide services, resolve disputes, meet credit and insurance obligations and comply with applicable laws. Credit and FICA-related records are typically kept for at least five years after the relationship ends, unless a longer period is required.
Privacy contact
To request access, correction, withdrawal of consent or to raise a privacy concern, contact Ndzinga Capital.
Email: info@ndzingacapital.co.za
Phone: +27 72 845 0308
Complaint escalation: Information Regulator of South Africa
POPIA complaints: POPIAComplaints@inforegulator.org.za