Privacy Policy

By enquiring about our products and services or completing the online application form for finance or prospective employment you will be required to provide us with certain personal information. This privacy policy (the “privacy policy”) sets out the information disclosed to us and how we will use it.

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Personal Information

We gather the following information about you: (i) Information you give us when you apply for finance, including your full names, identity number, telephone number, email address, business name, business type, average monthly card sales and how long your business has been in operation (ii) Information you give us when you apply for employment, including information about your education, previous work experience (including references from previous employers), biometric information, psychometric and IQ test information, your physical address, and any other information necessary for us to determine your eligibility and suitability for employment with us; (iii) messages that are sent to and from you; (iv) information obtained via Cookies; (v) use of third party payment services; (vi) your usage of the website and our services; (vii) your location information; and (vii) other information related to you or your business. Please note that should further information be required we will notify you via email.

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Purpose

We use the information you provide us in order ascertain whether you qualify for our services or to evaluate your application for employment (as the case may be).

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How We use the Information You Provide

We use the information you provide to:

  • Process your application for finance, including conducting criminal, commercial, credit and personal background checks
  • Process your application for employment, including conducting criminal, credit, professional, and personal background checks as well as formal interviews and all related communication in this regard
  • Contact you with respect to your application for your application for finance or employment (as the case may be)
  • Provide you with finance and related support (if your application is approved), including sharing your personal information with financial institutions and our affiliates
  • Monitor your credit card sales and related business activities
  • Provide administrative services and for customer service related purposes
  • Send marketing and promotional content to you
  • Improve, customise and optimise our services and the website
  • Enable us to conduct internal research and statistical analysis
  • Administer any customer loyalty benefits from time to time
  • Improve our understanding of the marketplace and how you use our services

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Storage

We use the information you provide us in order ascertain whether you qualify for our services or to evaluate your application for employment (as the case may be).

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Consent

You hereby consent to our use and storage of your personal information for the purpose indicated above.

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Security

We strive to ensure the security of personal information you provide to us by taking reasonable measures to prevent the destruction, unlawful access and loss of personal information. Any compromise of data integrity or confidentiality will be reported to you by email.

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Disclosure

We may disclose your personal information in the following circumstances -

  • As provided for in these Terms;
  • Where we have your explicit permission;
  • As required in relation to court orders, subpoenas, or legal process, or enforceable governmental requests, or to establish or defend against legal claims, or exercise our legal rights;
  • Where we believe it is necessary to access, use, preserve or disclose such information to detect, investigate, prevent, or address illegal activities, fraud, security or technical issues, or potential threats to the safety of any person, or violations of the Terms or any agreement entered into with you, to protect our rights, property, or safety of our services as well as our other customers.
  • We may provide information to our related companies or other trusted businesses or persons who work on our behalf including our professional advisors, such as our lawyers or auditors. Where information is disclosed to our related companies or affiliates, those companies will use the information in compliance with our Privacy Policy.
  • We will take reasonable steps to ensure that its contracts with third parties include requirements for those third parties to comply with the requirements of the applicable South African privacy legislation.
  • We may also disclose aggregate, anonymous log file and usage information in reports to interested third parties to assist those parties in understanding the usage patterns and performance results of certain advertisements, content, services, promotions, or features, or to provide you a better user experience.

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Your Rights

Subject to certain limitations, you have the right to access, rectify, and erase your information, as well as the right to restrict and object to certain processing of your information. This includes the right to object to our processing of your information for direct marketing. You may exercise these rights by sending us an email at info@merchantcapital.co.za.

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Changes

Any changes we may make to our Privacy Policy in the future will be posted on the website.

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Contact

Contact: 011 217 2880 or email: info@merchantcapital.co.za

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PAIA Manual

You can access our PAIA Manual by clicking here‍