DaL Holdings (Pty) Ltd (“DaL”, “we”, “us” or “our”) operates its employee lending business under the Dial a Loan brand.
1. Introduction
DaL respects the privacy of individuals and is committed to protecting personal information processed by us. This Notice explains how DaL collects, uses, stores, protects and otherwise processes personal information through its website, client portal, communications and other business channels.
2. Responsible party
DaL Holdings (Pty) Ltd
Registration No. 2004/004149/07
NCR Registration No. NCRCP424
Tijgervalley Office Park
76 Unit 2
Silver Lakes Road
Pretoria
0054
South Africa
General email: customercare@dalholdings.co.za
Information Officer: Susan Hanekom
Email: susanh@dalholdings.co.za
Telephone: 0861 325 626
3. Personal information we may process
Depending on the relationship with DaL and the services involved, we may process names and surnames; contact details; identification information; employment information; banking information; financial information; credit application and account information; transaction and repayment information; communications; authentication and security information; electronic records and documents; information required for legal and regulatory obligations; and other information reasonably necessary for DaL’s lawful business purposes.
4. Sources of personal information
Personal information may be obtained directly from an individual or from other lawful sources where permitted by law, including DaL’s designated communication and application channels, participating employers, service providers, credit bureaus, public sources or other lawful sources.
5. Purposes for processing
DaL may process personal information to provide information about DaL and its services; administer applications and client relationships; assess and administer credit applications; service credit agreements; maintain records; communicate with clients; provide secure client services; authenticate users; prevent fraud and unlawful activity; comply with legal and regulatory obligations; respond to enquiries and complaints; enforce contractual rights; and for other lawful purposes connected with DaL’s business.
6. Lawful processing
DaL processes personal information in accordance with POPIA and other applicable legislation. Depending on the circumstances, processing may be based on consent, performance of a contract, compliance with a legal obligation, legitimate interests recognised by law, or another lawful basis permitted by applicable legislation. Where consent is required, DaL will obtain it in the prescribed manner.
7. Credit-related information
Where an individual is a client or applicant for credit, DaL may process information necessary for assessment, granting, administration and servicing of credit, subject to applicable law. This may include lawful interactions with credit bureaus, participating employers, payment service providers, technology service providers and other parties.
8. FIC Act and customer due diligence
DaL is subject to applicable obligations under the Financial Intelligence Centre Act 38 of 2001. As part of its customer due-diligence and compliance processes, DaL may conduct identity verification and screening checks before and/or during a credit relationship.
9. Client portal
DaL operates a secure client portal through which authorised clients may access information relating to their credit relationship, including agreements, statements and transaction information. Access is restricted through authentication and security controls. Clients are responsible for maintaining the confidentiality of authentication credentials and must notify DaL promptly if they believe their account has been compromised.
Read the Client Portal Terms of Use. To report suspected unauthorised access, call 0861 325 626 or email customercare@dalholdings.co.za. See account security reporting; no portal login is required.
10. Service providers and operators
DaL may use service providers and operators to assist in providing services and operating systems. Where third parties process personal information on behalf of DaL, DaL will take appropriate steps required by law to protect the information and regulate such processing.
11. Security
DaL takes appropriate technical and organisational measures designed to protect personal information against loss, damage, unauthorised access, unauthorised disclosure and other unlawful processing. No electronic transmission or storage system can be guaranteed completely secure.
12. Retention
DaL retains personal information for as long as reasonably necessary for the purpose for which it was collected, to administer relationships, comply with legal and regulatory obligations, resolve disputes and protect or enforce legal rights. Retention periods may differ depending on the information and applicable requirements.
13. Disclosure
DaL will not disclose personal information except where permitted or required by law, necessary for the purposes described in this Notice, necessary to perform a contractual obligation, or otherwise lawfully authorised.
14. Cross-border processing
Where personal information is transferred to or processed outside South Africa, DaL will take the measures required by applicable law to ensure that the transfer or processing is lawful.
15. Direct marketing
Where DaL undertakes direct marketing using personal information, it will do so in accordance with applicable law. Where consent is required, DaL will obtain the required consent. Individuals may object to direct marketing in accordance with applicable law.
16. Data subject rights
Subject to applicable law, individuals may have rights to request access to personal information; request correction or updating; object to certain processing; request deletion where legally applicable; withdraw consent where processing is based on consent; object to direct marketing; and lodge complaints regarding processing. Requests should be directed to the Information Officer.
17. Complaints
Questions or complaints concerning personal information should first be directed to DaL’s Information Officer. An individual may also lodge a complaint with the Information Regulator where permitted by law.
18. Website technologies
The public informational landing page does not use cookies or tracking technologies. The contact form uses an essential security cookie, and the secure client portal uses cookies for authentication and security.
19. Changes
DaL may update this Privacy Notice from time to time. The latest version will be made available on the Website and will state the last updated date.
20. Contact
Information Officer: Susan Hanekom
Email: susanh@dalholdings.co.za
Telephone: 0861 325 626
DaL Holdings (Pty) Ltd
Tijgervalley Office Park
76 Unit 2
Silver Lakes Road
Pretoria
0054
South Africa
General email: customercare@dalholdings.co.za