Privacy Policy – FatCat Loans South Africa

How We Collect, Use, Share and Protect Your Personal Information

Last reviewed: 28 April 2026

This Privacy Policy explains how FatCatLoans.co.za, operated by Triple Eight Media (Pty) Ltd, collects, uses, stores, shares and protects your personal information when you visit our website, submit an enquiry, apply for a loan, or interact with our services.

We process personal information in accordance with South Africa’s Protection of Personal Information Act 4 of 2013 (POPIA), the Promotion of Access to Information Act 2 of 2000 (PAIA), the National Credit Act 34 of 2005 (NCA), and other applicable South African laws.

FatCat Loans is a loan-matching and referral platform. We are not a lender, credit provider, financial advisor, debt counsellor or credit bureau. We help connect South African consumers with independent lenders, brokers and financial service partners who may be able to offer loan products, subject to their own eligibility, affordability and credit assessment criteria.

1. Responsible Party

For purposes of POPIA, Triple Eight Media (Pty) Ltd, trading as FatCatLoans.co.za, is the responsible party for personal information collected directly through this website.

Where your information is shared with a lender, broker, credit provider, verification provider, credit bureau or other third-party partner, that party may act as an independent responsible party under POPIA. Their own privacy policy, terms and legal obligations will apply to their processing of your personal information.

2. Information Officer

Our Information Officer is responsible for privacy, POPIA and PAIA-related enquiries.

Information Officer: Triple Eight Media (Pty) Ltd
Address: Manhattan Corner, Century Way, Century City, Cape Town, 7441
Website: www.fatcatloans.co.za
Privacy enquiries: Please contact us through our website contact form, or via email on [email protected]

3. Personal Information We Collect

Depending on how you use our website and services, we may collect the following personal information:

Full name and surname
South African ID number or other identity information
Date of birth or age confirmation
Mobile number, email address and residential location
Employment status, employer details and income information
Loan amount requested, preferred repayment period and loan purpose
Banking, affordability or financial information where required for assessment
Credit-related information where required by lenders or partners
Device information, IP address, browser type, cookies and website usage data
Marketing preferences, consent records and opt-out requests
Communication records when you contact us or respond to us

We only collect personal information that is reasonably necessary for the purposes described in this Privacy Policy.

4. Special Personal Information

We do not intentionally collect special personal information such as health information, biometric information, religious beliefs, political opinions, race, trade union membership or criminal behaviour unless this is required or permitted by law.

Please do not submit unnecessary special personal information through our website forms.

5. Why We Use Your Personal Information

We may use your personal information to:

Process your loan enquiry or application
Match you with suitable lenders, brokers or financial service partners
Assess basic eligibility for loan or credit-related products
Share your application with selected partners who may be able to assist you
Allow lenders or partners to conduct identity, affordability, fraud and credit checks
Contact you about your application or related financial service options
Provide customer support and respond to your enquiries
Verify consent, prevent fraud and protect our website from abuse
Improve our website, user experience, advertising and service performance
Comply with legal, regulatory, record-keeping and dispute-resolution obligations

6. Legal Grounds for Processing

We process your personal information only where POPIA allows us to do so, including where:

You consent to the processing, including when you submit a form or request to be contacted
Processing is necessary to provide the service you requested, such as loan matching
Processing is required by law, including credit, consumer protection, fraud prevention or record-keeping obligations
Processing protects a legitimate interest, such as website security, fraud prevention, service improvement and relevant partner matching

You may withdraw consent where processing is based on consent. However, withdrawing consent may affect our ability to process your enquiry or connect you with lenders and partners.

7. Loan Matching, Partner Sharing and Credit Providers

By submitting your details through FatCatLoans.co.za, you authorise us to share your personal information with selected third parties where necessary to provide our loan-matching service.

These third parties may include:

NCR-registered credit providers
Loan brokers and financial service partners
Credit bureaus and affordability assessment providers
Identity verification and fraud-prevention providers
Call centres, CRM systems and communication service providers
Website hosting, analytics, advertising and technology service providers
Regulators, courts, law enforcement or public authorities where legally required

We require our service providers to process personal information securely and lawfully. However, when an independent lender or broker receives your application, they may become responsible for their own use of your information.

8. Credit Checks, Affordability Assessments and the National Credit Act

South African credit providers are required to follow responsible lending practices under the National Credit Act. This may include verifying your identity, checking your credit profile, assessing affordability and confirming whether you can reasonably afford the credit you request.

FatCat Loans does not approve loans, decline loans, set interest rates, determine repayment terms or make credit decisions. Any loan offer, repayment amount, fee, interest rate or approval decision is made solely by the relevant credit provider or partner.

You should always review the lender’s pre-agreement statement, quotation, fees, interest rate, repayment terms and total cost of credit before accepting any offer.

9. Direct Marketing and Consent

We distinguish between service communications and marketing communications.

Service communications relate to your application or enquiry and may include calls, SMS messages, emails, WhatsApp messages or other communications needed to process your request.

Marketing communications may include offers, reminders, promotions or related financial product information from FatCat Loans or selected partners.

We will only send direct marketing where permitted under POPIA and applicable South African law. Where required, we will ask for your consent before sending direct marketing or sharing your details for marketing purposes.

You may opt out of marketing at any time by using an unsubscribe link, following opt-out instructions in the message, replying with an opt-out request where available, or contacting us through our website.

Opting out of marketing will not necessarily stop important service-related messages about an application or enquiry you submitted.

10. Cookies, Tracking and Analytics

Our website uses cookies, tracking pixels, analytics tools and similar technologies to operate the website, measure performance, improve user experience and understand advertising results.

These technologies may collect:

IP address
Browser and device type
Pages visited and time spent on pages
Referral source and campaign information
Form interactions and conversion events
Approximate location based on device or browser data

You can manage or block cookies through your browser settings. Some website features may not function properly if cookies are disabled.

11. Google, Meta and Advertising Platforms

We may use third-party platforms such as Google, Meta/Facebook, analytics providers and affiliate networks to measure traffic, conversions, advertising performance and user behaviour.

These providers may use cookies, pixels or similar technologies according to their own privacy policies. You can manage advertising preferences through your browser, device settings or the relevant platform privacy controls.

12. How We Protect Personal Information

We take reasonable and appropriate technical and organisational measures to protect personal information against loss, misuse, unauthorised access, disclosure, alteration or destruction.

These safeguards may include:

Secure website connections where applicable
Access controls and restricted internal access
Secure data transmission and storage practices
Monitoring for suspicious or fraudulent activity
Working with reputable hosting, technology and service providers
Limiting access to authorised persons who need the information
Internal policies for privacy, security and responsible data handling

No online system can be guaranteed to be completely secure. However, we take privacy and data security seriously and use reasonable safeguards to protect your information.

13. Data Retention

We keep personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining records, preventing fraud, resolving disputes, meeting legal obligations and protecting our legitimate interests.

When we no longer need your personal information, we will delete, de-identify, aggregate or securely archive it, unless we are legally required or permitted to keep it for longer.

14. Cross-Border Transfers

Some of our technology, hosting, analytics, advertising or communication providers may process or store information outside South Africa.

Where personal information is transferred outside South Africa, we will take reasonable steps to ensure that appropriate safeguards are in place and that the recipient is subject to privacy and security obligations consistent with POPIA.

15. Your POPIA Rights

As a data subject under POPIA, you have the right to:

Ask whether we hold personal information about you
Request access to your personal information
Request correction of inaccurate, outdated, incomplete or misleading information
Request deletion or destruction of personal information where legally permitted
Object to certain processing of your personal information
Withdraw consent where processing is based on consent
Object to direct marketing
Submit a complaint to the Information Regulator of South Africa

We may need to verify your identity before responding to a request. Some requests may be limited where we are required or permitted by law to keep information, including for legal, regulatory, fraud-prevention or record-keeping purposes.

16. PAIA Access to Information Requests

You may request access to records under the Promotion of Access to Information Act where the information is required for the exercise or protection of a legal right.

PAIA requests must be submitted with enough detail for us to identify the record requested, the right you wish to exercise or protect, and how the requested record is connected to that right.

We may refuse access where permitted by law, including where disclosure would affect another person’s privacy, confidential commercial information, legal privilege, security, or other protected interests.

17. How to Submit a Privacy Request

To request access, correction, deletion, withdrawal of consent, objection to processing or marketing opt-out, please contact us through the contact form on our website.

Please include your full name, contact details, the nature of your request and enough information for us to verify your identity and locate the relevant records.

We will respond within a reasonable period and in accordance with POPIA, PAIA and applicable South African law.

18. Complaints to the Information Regulator

If you believe your personal information has been processed unlawfully or that we have not addressed your privacy request properly, you may lodge a complaint with the Information Regulator of South Africa.

Website: https://inforegulator.org.za/

19. Children’s Personal Information

FatCat Loans is intended for adults aged 18 years and older. We do not knowingly collect personal information from children for loan-matching purposes.

If we become aware that a child’s personal information has been submitted without proper legal authority, we will take reasonable steps to delete or restrict that information.

20. Fraud Prevention and No Upfront Fees

We may process personal information to detect, prevent and investigate fraud, scams, identity theft, unauthorised applications or misuse of our website.

FatCat Loans will never ask you to pay an upfront fee to secure a loan. If anyone claiming to represent FatCat Loans asks you to pay money before receiving a loan, treat it as suspicious and report it immediately.

21. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices, content or security of those websites. Please read the privacy policy of any third-party website before submitting personal information.

22. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations, technology, regulatory guidance or business practices.

The latest version will always be published on this page. Your continued use of FatCatLoans.co.za after updates are published means that you accept the updated Privacy Policy.

23. Contact Us

For privacy-related questions, POPIA requests, PAIA requests, opt-out requests or concerns about how your personal information is processed, please contact us through our website: Contact FatCat Loans .

FatCatLoans.co.za is committed to protecting personal information, supporting transparent loan-matching practices and helping South Africans connect with responsible credit providers.