Money when YOU need it!

1. Information We Collect and Receive

1.1 Information you provide to us directly:

• When you apply for or enquire about our loan services;
• By filling in forms or completing surveys;
• When you contact us, or we contact you (including via WhatsApp).

1.2 Personal information we collect includes your:

• Name and surname;
• Contact number and email address;
• Physical address;
• Identity and/or passport number;
• Date of birth;
• Banking details;
• Credit bureau information and credit history;
• Employment status and income details;
• Marital status and gender;
• Financial details and financial standing;
• Reason for loan application; and
• Any other information required to assess your application.

1.3 Information we collect when you use our website:

We collect information when you visit www.easyloanz.co.za using cookies, web beacons, and similar technologies, including:

• Log-in and usage information;
• Information inferred from your interaction with our services;
• Device information (device type, browser, operating system, IP address); and
• Location information.

1.4 Information from third-party sources:

We may receive additional information about you that is publicly or commercially available (such as from credit bureaux including XDS and CASA) and combine it with information we have collected directly from you.

2. How We Use Your Information

We use the information we collect and receive for the following purposes:

• To assess your loan application and determine your affordability;
• To provide you with loan products, information, or services you request;
• To refer you to appropriate third-party service providers where necessary;
• To communicate with you about your application and account;
• To provide you with customer support;
• To send you relevant information about Easy Loanz products and services (subject to your marketing preferences); and
• To comply with our legal and regulatory obligations under the National Credit Act, POPIA, and other applicable legislation.

3. How We Share Your Information

We may share your information with:

• Our employees and service providers who assist us in delivering our services, subject to confidentiality obligations;
• Credit bureaux (including XDS, CASA, and other NCR-accredited bureaux) for credit assessments and reporting;
• Our business partners — we may share non-personally identifiable information with select partners;
• Regulatory and legal authorities in response to legal process or to protect our legal rights; and
• Third parties with your consent — where you have given us specific permission to do so.

We do not sell your personal information to third parties.

4. Your Rights

• Opt out of marketing: You may ask us not to contact you for marketing purposes at any time by using the opt-out option in any communication we send, or by contacting us directly. We will still send you essential service-related messages.
• Cookies: Our website uses cookies. You may configure your browser to reject cookies, though some features of the site may not function correctly.
• Correction of information: If you believe any personal information we hold about you is inaccurate or incomplete, you may request that we correct or update it.
• Access to your information: You may request confirmation of what personal information we hold about you and access to that information (see Section 10).

5. Retention of Personal Information

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or as required to comply with our legal obligations, resolve disputes, and enforce our agreements and policies.

6. Our Commitment to Security

The security of your personal information is important to us. We employ reasonable and appropriate technical and organisational safeguards to protect your information against unauthorised access, disclosure, alteration, or destruction. We will at all times comply with our obligations under applicable South African law, including POPIA.

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Transfer of Personal Information

Easy Loanz is based in and operates from South Africa. Where your information is transferred to and maintained on servers or systems outside South Africa, we will take all steps reasonably necessary to ensure your personal information is treated securely and in accordance with this Privacy Policy and applicable law.

By using our Service and submitting information to us, you consent to any such transfer.

8. Links to Other Websites

Our website may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of those third parties. We encourage you to read the privacy policy of every website you visit that collects personal information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website at www.easyloanz.co.za and will be effective from the date of posting. We encourage you to review this policy periodically.

10. Access to Your Personal Information

You may at any time request:

• Confirmation that we hold your personal information;
• Access to your personal information;
• The identities or categories of third parties to whom we have disclosed your personal information; or
• That we correct or delete any personal information that is incomplete, misleading, inaccurate, excessive, or out of date.

Requests may be made in writing to: info@easyloanz.co.za

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your personal information, please contact us:

• Email: info@easyloanz.co.za
• WhatsApp: 063 059 2075
• Address: Ground Floor, The Centre, 106 Avondale Road, Greyville, Durban, 4023, KZN

If you are not satisfied with our response, you may lodge a complaint with the Information Regulator (South Africa) at www.justice.gov.za/inforeg or by email at inforeg@justice.gov.za.

1. About Us

Mpower FinServ (Pty) Ltd t/a EasyLoanz is a registered credit provider in terms of the National Credit Act 34 of 2005 (NCR registration number NCRCP16221).

Registered address: Ground Floor, The Centre, 106 Avondale Road, Greyville, Durban, 4023, KZN.

Email: info@easyloanz.co.za  |  Website: www.easyloanz.co.za

2. Eligibility

To qualify for a loan with Easy Loanz you must:

• Be a South African citizen or permanent resident aged 18 years or older;
• Have a valid South African ID document or Smart Card;
• Have a valid South African bank account in your own name;
• Be permanently or temporarily employed or have a regular verifiable income;
• Not be under debt review, administration, sequestration, or any similar debt-relief process;
• Not be an undischarged insolvent.

3. Loan Products

Easy Loanz offers short-term personal loans between R500 and R2 000 with a maximum repayment term of one (1) calendar month. Repayment is due on your salary/pay date as agreed at application stage.

All loans are subject to a full affordability assessment and credit check in accordance with the National Credit Act.

4. Fees & Interest

All fees and interest charged are in accordance with the maximum permissible rates set by the National Credit Regulator (NCR) under the National Credit Act:

• Interest: Maximum 5% per month on the outstanding balance.
• Initiation fee: As prescribed by the NCR, subject to the loan amount.
• Monthly service fee: As prescribed by the NCR.

A full cost-of-credit disclosure will be provided to you before you sign any loan agreement. You are entitled to receive a pre-agreement quotation at no charge.

5. Application Process

• Send us a WhatsApp on 063 059 2075 with your requested loan amount (R500–R2 000).
• Select your preferred repayment/pay date.
• Submit your RSA ID document and latest bank statements for verification.
• Once approved and your loan agreement is signed, funds are disbursed to your bank account — by 4PM on the same day of signing (subject to banking cut-off times).

Easy Loanz reserves the right to decline any application without providing reasons.

6. Credit Assessment

By submitting an application you authorise Easy Loanz to:

• Perform a credit bureau inquiry on your credit profile;
• Verify your identity and income information with relevant third-party providers (including XDS, CASA, and other NCR-accredited bureaux);
• Assess your affordability in accordance with the National Credit Act.

A credit check may be recorded on your credit profile regardless of whether a loan is granted.

7. Loan Agreement

A binding loan agreement will only come into existence once:

• Your application has been approved;
• A pre-agreement statement and quotation has been provided to you;
• You have signed (electronically or otherwise) the loan agreement.

The loan agreement will set out all material terms including the principal amount, total cost of credit, repayment date, and all applicable fees.

8. Repayment

Repayment is due in full on the agreed pay date. Easy Loanz collects repayment via debit order or as otherwise agreed in your loan agreement. It is your responsibility to ensure sufficient funds are available in your account on the repayment date.

Should a debit order be returned unpaid, additional bank charges and default fees (as set out in the loan agreement) may apply.

9. Early Settlement

You may settle your loan in full at any time before the agreed repayment date. Interest will be calculated only up to the date of settlement. Please contact us on info@easyloanz.co.za or WhatsApp 063 059 2075 to obtain a settlement quote.

10. Default & Consequences

If you fail to make payment by the repayment date, Easy Loanz may:

• Charge default administration fees and collection costs as permitted by the National Credit Act;
• Report the default to credit bureaux, which may negatively affect your credit score;
• Refer the matter to a debt collector or institute legal proceedings to recover the outstanding amount;
• Apply for judgment and emolument attachment order (garnishee order) against your salary.

We encourage you to contact us immediately if you anticipate difficulty in making repayment — early communication helps us find a solution.

11. Privacy & Data Protection

Easy Loanz processes your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and the National Credit Act. Your information is used solely to assess your loan application, manage your loan, and comply with our legal obligations. We do not sell your personal information to third parties.

You have the right to access and correct your personal information held by us. Contact us at info@easyloanz.co.za to exercise these rights.

12. Responsible Lending

Easy Loanz is committed to responsible lending. We will only approve a loan if the affordability assessment indicates you can reasonably afford the repayments. We encourage clients to borrow only what they need and can comfortably repay.

If you are experiencing financial difficulty, please contact the National Credit Regulator at 0860 627 627 or visit www.ncr.org.za.

13. Complaints

If you have a complaint about our services, please contact us first:

• Email: info@easyloanz.co.za
• WhatsApp: 063 059 2075

If your complaint is not resolved to your satisfaction, you may escalate it to the National Credit Regulator (NCR) at 0860 627 627 or www.ncr.org.za.

14. Amendments

Easy Loanz reserves the right to amend these Terms and Conditions at any time. Updated terms will be published on our website at www.easyloanz.co.za. Continued use of our services after any amendment constitutes acceptance of the updated terms.

15. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa, including but not limited to the National Credit Act 34 of 2005, the Consumer Protection Act 68 of 2008, and the Protection of Personal Information Act 4 of 2013.