Privacy Policy & POPIA-Safe Data Handling

Introduction

FynerFin ("we", "us", "our") operates fynerfin.co.za and affiliated demo pages. This site is a public demonstration of a business concept designed to connect users to partner lenders. We respect your privacy and process personal information in line with applicable South African laws, including POPIA.

What we collect

• Personal info: name, phone number, email — when you voluntarily provide it.
• Application uploads: ID, statements, payslips, selfies (only when you upload them).
• Technical data: IP address, timestamps, and (with consent) approximate geolocation to validate submissions.
• Local data: browser localStorage or cookies used to preserve form drafts and UX state.

Why we collect it

To preliminarily check eligibility and, with explicit consent, forward ready-to-apply user data to registered partner loan companies. We do not lend money or make lending decisions — partners do.

How we store & protect data

• Data is stored on secure hosting with directory protection and HTTPS encryption.
• Access limited to authorized personnel only. We apply standard file-permission restrictions and backups.
• We retain data only as reasonably needed for loan matching and audit, then anonymize or delete it on request where legally allowed.

Your rights (POPIA-aligned)

• Access: request a copy of the personal data we hold.
• Correction: ask us to correct inaccurate or incomplete data.
• Deletion: request removal of data (subject to legal/contract constraints).
• Withdraw consent: you may withdraw consent for processing before we forward data to lenders.

Children — if under 18 do not use the site to apply for credit; use for self-check only.

Contact

For privacy requests, contact the support address listed on fynerfin.co.za. We will reply to verified requests in a reasonable time.

Simple (Client-Friendly) Summary

What FynerFin does

We connect you with trusted loan companies. We do not lend money ourselves. If you give us your details, we use them only to find lenders who might accept your profile.

What we need

Only information you willingly provide — name, phone, and documents if you choose to upload them. We may ask for your location to confirm the application origin.

How we protect your info

We keep things secure: encryption (HTTPS) and limited access. We won’t sell your data and you can ask us to delete it.

If you’re under 18

Don’t apply for loans through this site — it’s only for adults. You can still use the site to check information for learning purposes.

Current status

The site is a public demonstration. No payments or commercial lending occur until full launch and registration.

Corporate Terms & Conditions (Beta Use)

1. Service status

FynerFin is currently operating as a proof-of-concept and public demo. The platform does not charge fees in this stage and is not a registered lender.

2. Referral only

We facilitate introductions between users and registered partner lenders. Any loan contract, decision or repayment relationship is strictly between the user and the partner lender.

3. Partner selection & verification

We aim to partner only with registered and compliant lenders. Users should conduct their own due diligence before accepting offers.

4. Data & consent

Users explicitly consent to forwarding their submitted data to chosen partners. We do not sell personal data to third parties.

5. No guarantee

We do not guarantee loan approval, terms, rates, or payouts. Partners set and manage lending criteria independently.

6. Limitation of liability

FynerFin is not liable for decisions, defaults, or outcomes between a user and a partner. Our role is facilitative only.

Full Legal Terms & Conditions (Draft)

1. Definitions

“Platform” = fynerfin.co.za and associated demo pages. “User” = any visitor or person using the Platform. “Partner” = a registered lender cooperating with FynerFin.

2. Status & Liability

Platform is in beta and provides referral services only. FynerFin is not a lender and assumes no responsibility for partner decisions, loan outcomes, or user financial obligations.

3. Consent & Data Processing

By using the Platform, Users consent to collection, storage and limited processing of personal data for the purposes described in the Privacy Policy. Users must provide accurate information and may be disqualified for falsification.

4. Age & Capacity

Users must be 18 years or older to use referral services. Minors should not submit applications.

5. Prohibited Conduct

Users must not upload forged or illegal documents, or misuse the referral system. Violations may result in account suspension and potential reporting to authorities.

6. Disclaimers

FynerFin offers no warranties on partner performance, interest rates, or loan fulfillment. All contractual relationships are between User and Partner.

7. Changes & Termination

FynerFin may change these terms and policies at any time. Continued use implies acceptance. The Platform may suspend or terminate user access for breaches.

8. Governing Law

These terms are governed by the laws of South Africa. Disputes fall under South African jurisdiction.

Operational Notes & Public Statement

Public hosting

This brand is publicly available for concept testing on fynerfin.co.za and demonstration pages hosted on Neocities. The hosting at Neocities is used to demonstrate concept flow and user experience only; the production platform will move to paid hosting before commercial launch.

Partners & revenue

At present the platform has no paying partners and has generated R0. Any revenue-generating activities will commence only after formal registration, legal compliance, and infrastructure upgrades.

Primary function

The primary purpose is to check user eligibility and refer ready-to-apply clients to registered partners. We emphasize compliance — partners are required to be registered and legally authorized.

thank you!