Privacy Policy

1. Introduction

Ankele, a trading name of Ankele Co Za (Pty) Ltd ("we", "us", or "our"), is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our WhatsApp-based micro-lending service.

We comply with the Protection of Personal Information Act (POPIA) and other applicable South African laws regarding data protection.

2. Information We Collect

We collect information that you provide directly to us, including:

• Personal identification information (name, ID number, date of birth)
• Contact information (phone number, email address, physical address)
• Financial information (income details, bank account information, employment status)
• WhatsApp communication history related to your credit applications
• Device and usage information when interacting with our service

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your credit applications
• Verify your identity and conduct credit assessments
• Communicate with you about your credit and our services
• Comply with legal and regulatory requirements
• Improve our services and customer experience
• Prevent fraud and ensure security

4. Information Sharing

We may share your information with credit bureaus, regulatory authorities, service providers who assist in our operations, and as required by law. We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. All data transmitted through WhatsApp is encrypted end-to-end.

6. Your Rights

Under POPIA, you have the right to:

• Access your personal information held by us
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Object to the processing of your information
• Lodge a complaint with the Information Regulator

7. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: