Privacy Policy
Last updated: October 2025
Kusanda Capital respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store and protect your data when you interact with us through our website, products or services — including Skool Pay and General Pay.
By using our website or applying for our financial products, you consent to the terms of this policy.
1. Who We Are
Kusanda Capital is a registered credit provider in terms of Section 40 of the National Credit Act (Act No. 34 of 2005, as amended).
Our mission is to offer fair, transparent and flexible credit solutions that empower individuals through responsible access to finance.
2. Information We Collect
We collect information necessary to process applications, verify identity and comply with legal requirements. This may include:
Personal information:
Full name, ID number, date of birth, gender and contact details
Residential and employment addresses
Financial and income information
Supporting documentation:
Copies of your ID
Proof of residence
Payslips or bank statements
Medical or educational quotes (for specific product applications)
Website data:
IP address, browser type and usage statistics (for security and performance analytics)
3. How We Use Your Information
Your personal information is used for legitimate business purposes, including to:
Process and evaluate your loan application
Conduct affordability and credit assessments
Verify identity and prevent fraud
Communicate with you about your application or account
Comply with NCR and POPIA obligations
Improve our products and customer experience
We will never sell, rent or trade your personal data to third parties.
4. Sharing of Information
We may share information only when necessary, with:
Credit bureaus and verification agencies to conduct credit and affordability checks
Regulatory authorities (such as the NCR or FIC) when legally required
Partner institutions (such as schools or medical practices) when relevant to your loan purpose and only with your consent
IT and service providers who help us operate our systems, under strict confidentiality agreements
All third parties are required to handle your information in accordance with the POPI Act.
5. Data Storage and Security
Your data is stored securely on encrypted systems, with limited access granted only to authorized Kusanda Capital staff.
We use appropriate technical and organizational safeguards to protect against unauthorized access, loss or misuse of personal data.
In the unlikely event of a data breach, affected users will be notified promptly in accordance with POPIA guidelines.
6. Your Rights
You have the right to:
Access the personal data we hold about you
Request correction or deletion of inaccurate or outdated information
Withdraw consent for processing where applicable
Lodge a complaint with the Information Regulator (South Africa) if you believe your privacy rights have been violated
To exercise these rights, please contact us at:
📧 info@kusandacapital.co.za
📞 [TBC]
7. Retention of Data
We retain your personal information only for as long as necessary to fulfill the purpose it was collected for — typically the duration of your loan agreement plus any legally required retention period.
8. Cookies and Online Tracking
Our website may use cookies to improve your browsing experience and analyze site performance.
You can choose to disable cookies through your browser settings, though some functionality may be affected.
9. Updates to This Policy
Kusanda Capital may update this Privacy Policy from time to time to reflect legal, technical or business changes.
The latest version will always be available on our website, with the “last updated” date clearly indicated.
10. Contact Us
If you have questions or concerns about this Privacy Policy or how we handle your personal data, please contact:
Kusanda Capital (Pty) Ltd
Registered Credit Provider – NCRCP22456
info@kusandacapital.co.za
www.kusandacapital.co.za