1. Introduction
L&L Investments And Loans ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read it carefully. By accessing our website or submitting your information, you consent to the practices described in this policy.
2. Information We Collect
We may collect personal information that you voluntarily provide to us when you:
- Fill out a contact or callback form (name, phone number, email address, loan amount, and any message).
- Apply for a loan or investment product (additional information such as ID number, employment details, bank statements may be required).
- Communicate with us via email, phone, or WhatsApp.
- Visit our website – we automatically collect certain information via cookies and similar technologies (IP address, browser type, pages visited).
3. How We Use Your Information
We use the information we collect to:
- Process your loan or investment applications.
- Respond to your inquiries and provide customer support.
- Send you administrative information, such as updates to our terms and policies.
- Improve our website and services (analytics).
- Comply with legal obligations (e.g., anti-money laundering regulations).
4. Sharing Your Information
We do not sell, trade, or rent your personal information to third parties. We may share your information with:
- Service providers: Trusted third parties that assist us in operating our website, conducting our business, or servicing you (e.g., IT hosting, email delivery).
- Legal authorities: When required by law or to protect our rights.
- Credit bureaus and regulatory bodies: As required for credit checks and compliance with NCR regulations.
5. Data Security
We implement appropriate technical and organisational measures to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or access. However, no method of transmission over the Internet or electronic storage is 100% secure.
6. Your Rights (POPIA)
Under the Protection of Personal Information Act (POPIA), you have the right to:
- Request access to the personal information we hold about you.
- Request correction or deletion of your information (subject to legal obligations).
- Object to the processing of your information for direct marketing.
- Lodge a complaint with the Information Regulator.
To exercise any of these rights, please contact us at info@lnlinvestments.co.za or call 013 007 9085.
7. Cookies and Tracking
Our website uses cookies to enhance your experience. You can set your browser to refuse cookies, but some parts of the site may not function properly.
8. Third-Party Links
Our website may contain links to other websites. We are not responsible for the privacy practices or content of those sites.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page with an updated effective date.
10. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:
- Email: info@lnlinvestments.co.za
- Phone: 013 007 9085
- Address: Justicia Trust Stand 195, Bushbuckridge