The privacy policy(the Policy) informs you of the different information eKasi Pay Credit, Inc. (we or us or “eKasi Pay Credit” or “eKasi Pay Credit”) collects as well as our policies and practices regarding the collection, use and disclosure of that information through the web pages atwww.ekasicredit.co.za/(the “Website”, the "Company"). For application of these Terms please note that eKasi Pay Credit is private company operating in South Africa.

Please read meticulously through this Policy, because by using the website, you are acknowledge that you understand and agree to the terms of this Policy, and consent to the types of information and the manner in which we may collect, use and disclose such information. If you do not agree to the terms of this Policy, please do not use the website.

We reserve the right to change the provisions of this Policy at any time. We will alert you that changes have been made by indicating on the Policy and date it was updated. We encourage you to review this Policy from time to time to make sure you understand how any information you provide will be used. Each time you access the Website the most recent version of the Policy will apply. The continued use of the Website following the posting of changes to these terms will mean you agree to these changes.

We will make sure that all Personal Information(as defined below) that we collect and maintain will be:

• Processed lawfully, fairly, and in a transparent manner;
• Collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes;
• Adequate, relevant, and limited to what is necessary;
• Accurate and kept up to date; and
• Processed in a manner that ensures appropriate security of the Personal Information, including protection against unauthorised or lawful processing and against accidental loss, destruction or damage.

2.1 Personal Information You Provide to Us

When you register or apply for a loan for the first time and access or use the Website, we collect personal information, including name, email address, identity number, phone number and other demographic information (or any other questions and answers that you answer in good faith to use this service) and any other information that you may provide while accessing or using our third party application programming interfaces. All collectively referred to as personal information.

We only have access to and collect Personal information that you voluntarily give us by filling out our forms, surveys and answering questions which are part of the platform, or via email or other direct contact from you via social media or Website interaction.

If you do not want this information to be shared with our employees, marketing partners, service providers and subcontractors, upon your request, we will not share your information. However, your ability to access and use the Website, and request services, may be limited or interrupted.

2.2. Personal Information Collected by Automated methods

Whenever you use the Website, we and/or our service providers may use a variety of technologies that automatically collect information about how the Website is accessed and used (“Usage Information”). Usage Information may include, in part, browser type, operating system, the page viewed, the time, how many users visited the Website, and the Website you visited immediately before the Website. This statistical data provides us with information about the use of the Website, such as how many visitors visit a specific page on the Website, how long they stay on that page, which websites they are coming from and which hyperlinks, if any, they “click” on, which part of the Platform are used most, by whom and how.

Usage Information also includes error messages and crash analytics. Usage Information helps us to keep the Site user friendly and to provide visitors with readily accessible and helpful information. We may also use your Usage Information to troubleshoot issues with access or use of our Website. Usage Information is generally non-identifying, but if we associate it with you as a specific and identifiable person, we treat it as Personal Information.

We believe that such technology usage is fair, lawful, and proportional to the legitimate interest and needs of our business, and that our methodology fairly addresses each user’s legitimate rights and expectations in view of the context and purpose for the collection and use of the information collected.

The personal information provided in the website, including financial information, credit worthiness calculations are all stored by us, and can be accessed by members of our call centre only in order to assist you in the use, maintenance or operation of the Website.

We will use your information to respond to you regarding the reason you contacted us. We will also use your information as follows:

• Create a new loan application: A user may fill in an online form in order to gain access to credit or further use the Website. During registration the user enters their personal information, financial information and gives us consent to doing credit worthiness checks with our service providers. Contact details are used to communicate with the users of any changes/update to any contractual agreements him/her has with eKasi Pay Credit.
• Credit Model Optimisation: The users financial information be it bank statements and credit reports are used to optimise eKasi Pay Credit's Credit Risk Model. The Model only uses financial information and runs calculations on financial and demographic data which will never be tied back to the user all in efforts to improve the Credit Risk Model.
• Customer Service: Once you have applied for a loan, we may contact you via phone call, sms, email to inform you of any changes or updates to our Policy, to support you, or to inform you of other products you may qualify for.
• Sales and Marketing: if you send a support query through our Website, email , social media platforms, or request to be called or contacted, we or our marketing partners may contact you via text, email or phone call.

If at any time you wish that we cease communication with you, please notify us using the contact information provided below in the “Contact Us” section.

Except as provided herein, we will not trade, rent, share or sell you Personal Information to third parties. Please note that your information may be shared with our marketing partners to contact you for marketing purposes. If you do not want this information to be shared with our marketing partners, upon your request, we will not share your information.

Except as provided herein, unless provided consent to do so through our loan application form we will not share your Loan Repayment Information with any of our Credit Bureaus hence you will not be allowed to make any applications without this consent. Only employees, service providers and subcontractors who need the Personal Information to perform a specific job are granted access to Personal Information. The computers.servers in which we store Personal Information are kept in a secure environment.

You may do the following at any time by contacting us via the email address or phone number provided on our Website:

• See what we have about you; if any.
• Change or correct any contact information we have about you.
• Have us delete any data we have about you.

We do not charge for these services. Your request will be processed within 30 days of the date on which we receive it.

We take considerable measures designed to protect your Personal Information in an effort to avoid loss, misuse and unauthorised access, disclosure, alterations, and destruction. We provide physical, electronic and procedural safeguards to protect Personal Information we process and maintain.

As we all have come to the realization, no security measure is impenetrable. To protect the integrity of your information you must keep Your password confidential and not disclose it to any other person. You are responsible for all uses of the Website by any person using your password. Please advise us immediately if you believe your password has been compromised.

If you find anything insecure about our Website, please do inform us we promise to buy you coffee and donuts.

This Policy and the privacy practices of eKasi Pay Credit are subject to exclusively to the laws of South Africa(POPIA). Please note that eKasi Pay Credit servers are located in South Africa. eKasi Pay Credit makes no representation that this Policy and out practice comply with the laws of any other country or jurisdiction.

If you have questions about this Policy please contact via email athelp@ekasicredit.co.za. To exercise any of your rights in this Privacy Policy please contact us in writing via email as indicated above. So that we may consider your request applicable by law. Please be aware that your request is subject to the following information received in full:

• The name, phone number, email address, or any other identifier that you have used in this Website.
• Province and Country in which you are located.
• Clear description of information or content you wish retrieved or deleted or amended.