Legal

Privacy Policy

Version 1.1 · Effective 2026-09-10 · Locked 2026-09-10 · Selio (Pty) Ltd t/a LunSa Loans · NCRCP23540

This Privacy Policy explains how Selio (Pty) Ltd t/a LunSa Loans processes personal information when you use our website, apply for credit, or manage a loan.

1. Responsible party

Responsible party: Selio (Pty) Ltd t/a LunSa Loans
Legal entity: Selio (Pty) Ltd
Trading as: LunSa Loans
NCR: NCRCP23540
Information Officer: Chappy Strydom (support@lunsafinance.co.za)

2. Information we may collect

Identity and contact details (name, ID number, phone, email, address)
Employment and income information
Banking and payment information
Application, affordability and credit-assessment data
Documents you upload (ID, payslips, bank statements, etc.)
Technical data (device, IP address, cookies — see Cookie Policy)
Support and complaints correspondence

3. Why we process information

To assess and process credit applications
To conclude and perform credit agreements
To meet National Credit Act and other legal duties
To prevent fraud and secure our systems
To communicate about your application or account
To improve our services (aggregated / analytics where lawful)
Marketing only where you have consented or another lawful basis applies

4. Sharing

We may share information with:

Registered credit bureaux (credit information under the NCA)
Payment providers and banks (for payouts and collections)
Identity / verification and fraud-prevention partners
Regulators (including the National Credit Regulator) where required
Professional advisers and operators who process data on our instructions under appropriate agreements

We do not sell your personal information.

5. Security and retention

We apply technical and organisational safeguards appropriate to the sensitivity of credit and identity data. We retain records for as long as required for legal, regulatory, audit and legitimate business purposes (including NCA record-keeping). Financial history is not hard-deleted merely because a profile is closed.

6. Your rights

Depending on applicable law (including POPIA), you may request access, correction, or other data-subject actions. See our POPIA Notice and PAIA Manual. Credit information disputes may also involve the relevant credit bureau processes under the NCA.

7. Contact

Privacy requests: support@lunsafinance.co.za

Complaints about service or credit: Complaints procedure