Who we are
Our website address is: https://jiffyloans.co.za.
Welcome to Jiffy. South Africa’s cheapest short term loan provider. We believe that you deserve the utmost respect for the security and use of your personal information, which is why we have described our privacy practices as clearly as possible in the summary below.
Our privacy policy applies to all current and former customers and may change from time to time. Please also read the loan terms and conditions (sent with the application) which contain more information about how we collect, process and use your personal data and should be read together with this privacy policy.
Your Consent
By submitting your information and/or using our Service, you agree to this Privacy Policy and give your express, voluntary, accurate and informed consent to the use and disclosure of your personal information as described below. You have the right to object to the use of your personal data. Depending on the information you object to, we may not be able to process your loan application because certain information is necessary to enter into or perform this contract and we are required by law to obtain it.
Security and Confidentiality
We understand the value of your personal information and therefore take all reasonable steps to protect your personal information from loss, misuse or unauthorized modification. Your personal data is stored in databases with built-in protection and firewall to ensure data privacy and confidentiality.
We understand that personal data shared with us must be protected and properly managed. We protect this information with SSL encryption technology and limit employee access to the information. We store data in encrypted form on computers and control access through secure websites. We use firewalls and other security technologies to protect our servers from external attacks.
Our security systems meet or exceed industry standards, and we constantly monitor the evolution of the Internet to ensure that our systems evolve as needed. We also regularly test our systems to ensure that our security mechanisms are up to date.
Finally, we are subject to South African data protection laws, including the Constitution of the Republic of South Africa 1996, the Personal Data Protection Act 2013, the Electronic Communications and Transactions Act 2002 and the Interception Act of Communications 2002. , the National Credit Act 2005 together with the National Credit Reform Act 2014 and the Consumer Protection Act 2008 which we fully observe and respect.
Personal Information
Personal Information is information that identifies you or is specifically related to you, including your financial information, such as your name, age and social security number, assets and liabilities, income and payment information. In short, any information we know about you is considered your personal information.
Collection of Your Information
We collect information about you in two ways – directly from your online application and also from external sources such as credit bureaus and customer service providers. We may use your personally identifiable information for a number of purposes, including: statistical analysis; develop and improve our products; assess credit risks; update your list; identify which of our or our partners’ products may be of interest to you; detect and prevent fraud, money laundering and other criminal activities; conduct an official inspection, inform you about our loan and market research; and in the products and services we offer on behalf of third parties.
Collection and Use of Personal Information
In order for your use of this loan product and electronic service offered by Jiffy to be as successful as possible, we need to find out exactly what you need and want from us and ensure that you are eligible for a loan according to the provisions of the National Credit Act. Here are some of the reasons why we collect your personal information:
to identify you;
so that we can process your instructions or requests;
to comply with our loan terms, we may collect and analyze your personal data and combine all the information we receive about you to create a credit profile so that we can provide you with a loan and meet your specific needs;
After collecting and analyzing your personal information, we may send you promotional materials or information that we think may be of interest to you, but only with your permission. If any of this marketing information relates to a third party’s products, advertisements, news or services, and if you realize that you would like more information, we may notify the third party to contact you directly. However, we will only notify the third party to contact you directly if you have indicated that it is appropriate for you to do so.
In addition, we use your personal information for other purposes specified in this privacy policy.
Jiffy and Third Party Contacts
As part of the application process, we will ask you if we or one of our partners can contact you about our products and services by phone, mail, email and text message (or any other reasonable means). ). means). If you have selected “yes” but no longer wish to receive such messages, please visit the My Account page, log in and change your communication preferences at any time or follow the instructions in the message itself.
You can also register on the Direct Marketing Association of South Africa’s national opt-out register at www.dmasa.org.
We may transfer your personal data to selected third parties (see the “Sale and disclosure of your data to third parties” section above). If at any time you wish to stop receiving such communications from a third party, you must follow the unsubscribe instructions provided by the third party. Please note that we only work with trusted companies that respect your right to opt out of marketing communications, but we are not responsible for this process or dispute management.
Age
You must be at least 18 years old to register. Use of the Service by minors is strictly prohibited.
Jiffy Finances is a registered PTY (ltd) company number: 2024/316432/07 and operates under all relevant South African laws
Acceptance of Terms
By using this website, you are deemed to be bound by the conditions and have read, understood and agreed to them. Jiffy may modify any of the Terms at any time, and such modifications will supersede and supersede all prior Terms. The amended terms will be published on the website. Each time you use the website, you agree to be bound by the changed terms.
If you do not agree to these terms, please stop using this website. Please note that the terms and conditions set forth in this document apply to your use of this website and do not relate to any commercial agreement between you and Jiffy or any third party based on your use of this website.
Site Content
Although Jiffy makes every effort to regularly update the information provided on the Site, Jiffy makes no express, implied or other warranties as to its accuracy, completeness or reliability. of any information, data and/or content on the Website.
The information, ideas and opinions expressed on this website are general and should not be considered as financial or other advice. Before taking any decision or action based on the information, ideas and opinions expressed on this website that may affect your personal finances or business, you should seek appropriate advice from a qualified person.
Jiffy has offices in South Africa and has established alliances with companies outside of South Africa. However, the content relating to the products and services provided on this website is governed by the laws of South Africa unless expressly stated otherwise. The use of this website and any dispute arising out of the website is governed by the laws of the Republic of South Africa. Any dispute arising out of the use or publication of this website shall be subject to the exclusive jurisdiction of the courts of South Africa.
Site Use and Indemnification
By using the Site, you warrant and represent to Jiffy that you have the legal right to do so. By ordering any of our products, you warrant and represent that you have the legal right to order such services. You further warrant that you will not use the Site, Products and/or Services or any information made available or sent to you by us as a result of your use of the Site for any purpose that is unlawful or prohibited or prohibited under South African. or international law. international law or violates the terms. You hereby indemnify Jiffy against any loss, liability, damage or expense that Jiffy or any third party may incur directly or indirectly as a result of any breach of the warranties contained in these Terms.
This website is made available to you for non-commercial use.
We may change, withdraw or deny access to this website at any time.
You may print pages for personal use, but no part of this website may be copied or transmitted for any other purpose.
The purpose of this website is to provide general information about Jiffy, our products and services, as well as other information that may be of interest to you. It is not intended to be an exhaustive treatment of any subject. The information on this website, including any research, opinion or other content, is not intended or constitutes financial, accounting, tax, legal, investment, consulting or other professional advice or services. You should seek appropriate advice from a qualified person before taking any decisions or actions that may affect your personal finances or business.
Copyright and Intellectual Property Rights
Copyright and all intellectual property rights in and to all materials, text, designs and information available on the Site (collectively, the “Materials”) are owned by Jiffy, alternatively Jiffy is its legal user and protected. with both South African and international intellectual property laws. Any unauthorized copying, reproduction, retransmission, distribution, distribution, sale, publication, transmission or other distribution or use of such material or any part thereof is a violation of copyright and other intellectual property rights; except that you may use the Materials or any part of them for your own internal purposes and for the consideration and use of the Services provided by Jiffy. The trademarks, names, logos and service marks (collectively, the “Marks”) displayed on this website are registered and unregistered trademarks of Jiffy. Nothing contained on this website should be construed as granting any license or right to use any trademark without the written permission of Jiffy.
Permission to Link to Our Site
No one may create, electronically or otherwise (including links), a hyperlink, frame, metatext or similar reference to this Site or any page without Jiffy’s prior written consent, which may be disclaimed. or provided in accordance with the terms and conditions specified by Jiffy from time to time.
Warranties, Disclaimers and Limitations of Liability
Except as set forth in the Terms, Jiffy makes no guarantees, representations, statements or warranties (whether express, implied or implied) with respect to the Site and the Service(s) and the Site. and services available through the Site are provided “as is”. Jiffy does not represent or warrant that the information and services advertised on the Site are appropriate for use in any jurisdiction.
Jiffy expressly disclaims all warranties (express or implied) to the fullest extent permitted by law, including without limitation the warranties of non-infringement, compatibility, security and accuracy with respect to this website. We do not warrant that the website or any software downloaded from it is free of viruses or destructive code.
Neither Jiffy nor its directors shall be liable for any loss, liability, damage (direct, indirect or consequential) and/or expense of any kind and hereby waive any such expense that you or anyone else may incur. third party, which is or may be directly or indirectly caused by the use of the website and/or the information on or obtained through the website, the use of the service(s) and/or the information provided through the website. and service(s).
Without limiting the generality of the foregoing, Jiffy and its directors shall not be liable for any loss of business, loss of data and/or lost revenue, failure and/or unavailability of the website for any reason and/or failure/delay. of any third party service provider in providing any service/services that are necessary to ensure the availability of the website.
Information sent over the Internet is subject to monitoring and interception. Any transmission of information in this manner is at your own risk. We are not responsible for any loss, damage or injury that may occur in connection with the provision of information to us.
We cannot guarantee that confidential or proprietary information sent to us over the Internet will remain confidential. If you need to send us such information and are concerned about the security of that information, please contact us and we will advise you on the most appropriate method of transmission.
This website is available for public viewing provided that Jiffy disclaims, to the fullest extent permitted by law, all liability for any loss or damage arising from the use of this website or reliance on its content.
Nothing on this website is intended or should be construed as an offer to enter into a contractual relationship with you or anyone else, other than the terms that govern the relationship between us in relation to the use of the website. Advertising our services through the website is just a Jiffy invitation to apply for credit. Jiffy reserves the right not to accept and/or not fulfill any request for any reason by notifying you. If Jiffy accepts your credit request, the terms of the application and the loan agreement will apply to the agreement, and not those terms that relate specifically to the use of the website.
Legal Compliance
Jiffy will not tolerate anyone using the Jiffy website (including the loan application process) in violation of any law or regulation and reserves the right to take action against anyone who does so, including loans. criminal charges if necessary.
Privacy Policy
We respect your privacy and personal data (even if you are not our customer or are no longer our customer) and we draw your attention to our privacy policy, which sets out how we collect and use your personal data. to us as part of the application. You authorize Jiffy to collect and use your personal information when you use the website.
