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Privacy Policy — RH Finance (PTY) LTD

Last Updated: 17/11/2025

This Privacy Policy outlines how RH Finance (PTY) LTD (“RH Finance”, “we”, “our”, or “us”) collects, uses, stores, and protects your personal information.
By accessing or using www.rhfinancepty.com, you acknowledge that you have read and understood this Policy and agree to the terms contained herein.

RH Finance is committed to protecting your privacy and handling your information in compliance with the Protection of Personal Information Act (POPIA), GDPR, and other applicable data protection regulations.

1. Company Information

RH Finance (PTY) LTD
Legal Registration Number: 2013/062829/09
NCR Registration: NCRCP10464
Website: www.rhfinancepty.com
Email: info@rhfinancepty.com
Telephone:

Registered Branch Addresses:

  • South Africa: 67 Hedge Hunt, Brackenham, Richards Bay, 3900

  • Poland: w pałacu Parysów, Przechodnia 6, 20-003 Lublin

2. Information We Collect

We collect personal and financial information to provide financial services, assess loan applications, and comply with legal requirements.

2.1 Personal Identification Information

  • Full name

  • Identity number or passport number

  • Date of birth

  • Contact details (email address, phone numbers)

  • Residential or business addresses

2.2 Financial Information

  • Bank account details

  • Employment and income information

  • Credit history and affordability data

  • Loan application information

  • Supporting documentation (bank statements, payslips, proof of address, etc.)

2.3 Technical Information

Automatically collected when visiting our website:

  • IP address

  • Browser type and version

  • Device information

  • Pages viewed and browsing behavior

  • Cookies and tracking data

2.4 Communication Records

  • Emails

  • Phone calls

  • Online submissions

  • Customer support interactions

3. How We Use Your Information

Your information may be used for the following purposes:

  • To process and evaluate loan applications

  • To verify identity and prevent fraud

  • To conduct affordability and credit checks (where applicable)

  • To communicate regarding your application, account, or services

  • To manage, maintain, and improve our services

  • To comply with South African, Polish, and international legal obligations

  • For internal analysis and reporting

  • For customer service and support functions

RH Finance does not sell, rent, or trade your personal information.

4. Legal Basis for Processing

We process personal data based on one or more of the following:

  • Your consent

  • Fulfillment of a contract (loan application or service request)

  • Legal obligations under financial and regulatory laws

  • Legitimate interests (fraud prevention, operational improvement)

5. Sharing of Personal Information

We may share your information with:

  • Credit bureaus (where legally permitted)

  • Financial partners and service providers involved in processing your application

  • Regulatory and government institutions (when required by law)

  • IT service providers for secure data storage

  • Internal staff responsible for customer service and loan assessments

All third-party service providers are bound by confidentiality and data protection obligations.

6. Data Storage and Security

We implement robust security measures to safeguard your information, including:

  • Encryption and secure transmission protocols

  • Restricted access to sensitive data

  • Secure servers and firewalls

  • Monitoring and auditing of systems

  • Compliance with POPIA, GDPR, and global best practices

Your information is stored only for as long as required for business, legal, or regulatory purposes.

7. International Data Transfer

As RH Finance operates in both South Africa and Poland, your information may be transferred between jurisdictions.
All cross-border transfers comply with applicable data protection laws, ensuring your information remains secure and protected.

8. Cookies and Tracking Technologies

RH Finance uses cookies to:

  • Enhance website functionality

  • Analyze traffic and improve user experience

  • Remember preferences

You may disable cookies via browser settings, although certain site features may be impacted.

9. Your Rights

You may have the right to:

  • Request access to your personal information

  • Correct or update inaccurate data

  • Request deletion of certain information

  • Withdraw consent where processing is based on consent

  • Object to certain types of data processing

  • Request restriction of processing

To exercise your rights, please contact:
📧 info@rhfinancepty.com

10. Data Retention

We retain personal information only as long as is necessary to:

  • Process applications

  • Maintain your account

  • Comply with legal obligations

  • Resolve disputes

  • Enforce contracts

11. Third-Party Websites

Our website may contain external links.
RH Finance is not responsible for the privacy practices, content, or security of third-party websites.

12. Children’s Privacy

RH Finance services are not directed to individuals under 18 years of age.
We do not knowingly collect information from minors.

13. Updates to This Privacy Policy

RH Finance may update this Privacy Policy periodically.
Any changes will be posted on this page with a revised “Last Updated” date.
Continued use of our website constitutes acceptance of the updated Policy.

14. Contact Information

For any questions, requests, or concerns regarding this Privacy Policy, please contact:

RH Finance (PTY) LTD
📧 Email: info@rhfinancepty.com
📞 Phone: +27 768 190 070 | +48 729 368 083
📍 South Africa Office: 67 Hedge Hunt, Brackenham, Richards Bay, 3900
📍 Poland Office: w pałacu Parysów, Przechodnia 6, 20-003 Lublin
NCRCP10464 — Registered Credit Provider
Company Registration: 2013/062829/09