POPIA PRIVACY POLICY

Below is a POPIA-COMPLIANT Privacy Policy written specifically for We Pawn Cars, aligned with the National Credit Act (NCA) and suitable for private, asset-backed lending in South Africa.

PRIVACY POLICY

(POPIA & NCA Aligned – South Africa)

Last Updated: [16/01/2026]

We Pawn Cars (“we”, “us”, or “the Credit Provider”) is committed to protecting the privacy and personal information of our clients in accordance with:

• The Protection of Personal Information Act, 4 of 2013 (POPIA)

• The National Credit Act, 34 of 2005 (NCA)

This Privacy Policy explains how we collect, use, store, and protect personal information.

1. PERSONAL INFORMATION WE COLLECT

We may collect the following personal information:

1.1 Identification Information

• Full name

• Identity number or company registration number

• Residential and postal address

• Contact details (email address, phone number)

1.2 Financial & Credit Information

• Asset ownership documentation

• Asset valuation details

• Loan agreements and repayment records

• Bank account details (where required)

1.3 Asset Information

• Vehicle, boat, motorcycle, or bakkie details

• Registration numbers, VIN numbers, serial numbers

• Condition reports and photographs

• Gold or valuable asset descriptions

2. PURPOSE OF COLLECTION

Personal information is collected for the following lawful purposes:

• To assess and process asset-backed loan applications

• To comply with NCA affordability and disclosure requirements

• To draft and administer loan agreements

• To secure, store, insure, and return pledged assets

• To comply with legal and regulatory obligations

• To prevent fraud and ensure lawful transactions

3. LEGAL BASIS FOR PROCESSING

We process personal information in terms of:

• Consent from the client

• Contractual necessity

• Legal obligations under POPIA and the NCA

• Legitimate interests related to risk and compliance

4. DISCLOSURE OF INFORMATION

We do not sell or trade personal information.

Information may be disclosed only to:

• Regulatory authorities (e.g. NCR, law enforcement)

• Legal advisors or auditors

• Insurers (where asset insurance applies)

• Service providers bound by confidentiality agreements

5. STORAGE & SECURITY

We implement reasonable technical and organisational measures to safeguard personal information, including:

• Secure physical storage of documents

• Restricted access to digital records

• Password-protected systems

• Secure disposal of records when retention periods expire

6. RETENTION OF INFORMATION

Personal information is retained:

• For as long as required by the NCA

• As long as the loan agreement remains active

• For statutory record-keeping periods thereafter

Once no longer required, information is securely destroyed or anonymised.

7. CLIENT RIGHTS UNDER POPIA

Clients have the right to:

• Access their personal information

• Request correction or deletion of inaccurate data

• Object to unlawful processing

• Withdraw consent (where applicable)

• Lodge a complaint with the Information Regulator

8. COOKIES & WEBSITE USE

Our website may use basic cookies for functionality and analytics.

Cookies do not collect personal financial information.

9. THIRD-PARTY LINKS

Our website may contain links to third-party sites.
We Pawn Cars is not responsible for the privacy practices of external websites.

10. COMPLAINTS & INFORMATION REGULATOR

If you believe your personal information has been misused, you may contact us directly or lodge a complaint with:

Information Regulator (South Africa)
Email: inforeg@justice.gov.za
Website: justice.gov.za/inforeg

11. CONTACT DETAILS

For privacy-related queries, contact:

📧 wepawnc@gmail.com
📞 [078 387 7225]

12. POLICY UPDATES

This Privacy Policy may be updated periodically.
Continued use of our services constitutes acceptance of any update

We Pawn Cars | POPIA & NCA Compliant