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Privacy Policy

ITHUBALE2 HOLDINGS (Pty) Ltd ("we", "us", "our") is committed to protecting your privacy and ensuring that your personal information is collected and used properly, lawfully, and transparently.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with us as a credit provider.

1. Who We Are

ITHUBALE2 HOLDINGS is a registered credit provider in South Africa, offering financial services and credit solutions to individuals and businesses.

2. What Personal Information We Collect

We collect personal and financial information necessary to provide credit services, including but not limited to:

  • Full name

  • Identity number / passport number

  • Contact details (phone number, email, physical address)

  • Employment details

  • Banking details

  • Credit history

  • Income and expenses

  • Copies of supporting documents (ID, payslips, bank statements)

We may also collect information through our website, mobile applications, or when you communicate with us directly.

3. How We Collect Personal Information

  • Directly from you when you complete an application or contact us

  • Through credit bureaus and verification agencies

  • From public records or third-party service providers

  • Through your interactions with our website (via cookies or analytics tools)

4. Why We Collect and Use Your Information

We collect your personal information for the following reasons:

  • To assess and process credit applications

  • To verify your identity and creditworthiness

  • To manage your account and process payments

  • To comply with applicable laws (e.g. National Credit Act, FICA)

  • To communicate with you regarding your account or services

  • For internal record-keeping and audit purposes

  • To detect and prevent fraud or other criminal activity

  • For marketing purposes (where permitted)

5. Disclosure of Personal Information

We may share your personal information with:

  • Credit bureaus

  • Regulatory authorities (e.g. NCR, SARB, FIC)

  • Law enforcement when required

  • Our legal, financial, and audit advisors

  • Third-party service providers (e.g. IT services, payment processors) under strict confidentiality agreements

  • Debt collection agencies if applicable

We do not sell or rent your personal information to third parties.

6. Security of Your Information

We implement appropriate security measures to protect your personal information from unauthorized access, loss, misuse, or alteration. These include physical, technological, and procedural safeguards.

However, no system is completely secure, and we cannot guarantee the absolute security of your data.

7. Your Rights

Under POPIA, you have the right to:

  • Access the personal information we hold about you

  • Request correction or deletion of your information

  • Object to the processing of your personal data

  • Lodge a complaint with the Information Regulator

You can exercise these rights by contacting us at the details below.

8. Retention of Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected or to comply with legal, regulatory, or contractual obligations.

9. Cookies and Website Tracking

Our website may use cookies to enhance user experience and collect website usage data. You can control cookie settings through your browser.

10. International Data Transfers

If we transfer your data outside of South Africa, we will ensure that the recipient country has appropriate data protection laws or that suitable safeguards are in place.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with the effective date. We encourage you to review it regularly.

12. Contact Us

If you have questions or wish to exercise your rights, please contact

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