top of page

Bondeed Privacy Policy

Effective Date: February 05, 2026

​

Introduction

​

At Bondeed (Pty) Ltd ("Bondeed", "we", "us", or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. As bond and mortgage originators in South Africa, we assist clients in obtaining mortgages from local banks, which involves collecting and processing personal information daily. This includes details such as financial status, identification, contact information, and property-related data. We also use cookies on our website to enhance user experience and analyze site usage.

​

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information in compliance with the Protection of Personal Information Act 4 of 2013 (POPIA) and other applicable South African laws. It applies to all interactions with us, including through our website and services.

By using our website or services, you consent to the practices described in this Policy. If you do not agree, please do not provide us with your personal information or use our services.

​

Definitions

​

  • Personal Information: As defined in POPIA, this includes any information relating to an identifiable natural or juristic person, such as name, ID number, contact details, financial history, employment details, credit information, and property-related data.

  • Processing: Any operation performed on personal information, including collection, storage, use, disclosure, or deletion.

  • You/Your: Refers to clients, website visitors, or any data subject whose information we process.

  • Cookies: Small text files stored on your device to track website usage.

​

Information We Collect

​

We collect personal information directly from you (e.g., via application forms, website inquiries, or phone calls) or from third parties (e.g., credit bureaus, banks, or public records) with your consent or as permitted by law. Categories include:

  • Identification and Contact Details: Name, ID/passport number, address, email, phone number.

  • Financial Information: Income verification, such as payslips, business financials (if applicable), and any other financial profile documents related to a bond application; employment history; bank statements; credit scores; assets; liabilities.

  • Property-Related Data: Details about the property you're financing, such as valuations or deeds.

  • Website Usage Data: Via cookies, we collect IP addresses, browser type, pages visited, time spent, and device information. We use tools like Google Analytics for anonymous tracking. Cookies help remember preferences and improve site functionality; essential cookies are always on, while analytics cookies can be managed via browser settings.

​

We do not collect information from minors under 18 without parental/guardian consent.

​

How We Use Your Personal Information

​

We process your information only for lawful purposes, based on grounds like consent, contract performance, legal obligations, or legitimate interests. Uses include:

  • Processing mortgage applications and submitting them to banks on your behalf.

  • Conducting credit checks, KYC, AML, PCR, IDV, and security verifications.

  • Providing pre-approvals, advice, and ongoing support for home loans.

  • Administering services, responding to inquiries, and improving our offerings.

  • Marketing related products (e.g., property search tools) with your consent; you can opt out anytime.

  • Compliance with laws like the Financial Intelligence Centre Act (FICA), National Credit Act (NCA), and Financial Advisory and Intermediary Services Act (FAIS).

  • Anonymous statistical analysis for business improvement.

  • Sanction screening against mandatory lists, as required by FICA.

​

We minimize processing to what's necessary and de-identify data where possible.

​

Disclosure of Your Personal Information

​

We may share your information with:

  • Banks and lenders for mortgage applications.

  • Third-party service providers (e.g., credit bureaus, IT providers) under strict confidentiality agreements.

  • Regulators, law enforcement, or courts if legally required.

  • In business transfers (e.g., mergers), with the new entity bound by this Policy.

​

We do not sell your information. Cross-border transfers (e.g., to cloud services) include safeguards like binding contracts to ensure equivalent protection.

​

Cookies and Tracking Technologies

​

Our website uses cookies to enhance functionality and analyze usage. Types include:

  • Essential Cookies: Necessary for site operation (e.g., session management).

  • Analytics Cookies: Track visits and behavior (e.g., via Google Analytics) to improve the site.

  • Marketing Cookies: May track interactions for targeted ads.

​

You can manage cookies through your browser settings or by opting out via tools like Google Analytics Opt-Out. Disabling cookies may limit site features. We do not use cookies to collect sensitive personal information without consent.

​

Security Measures

​

We implement reasonable technical, organizational, and physical safeguards to protect your information from unauthorized access, loss, or breach. This includes encryption, access controls, secure servers, and regular audits. In case of a breach, we will notify you and the Information Regulator as required by POPIA.

​

Retention of Your Personal Information

​

We retain information only as long as necessary for the purposes outlined, or as required by laws like NCA or FAIS (typically 5-7 years post-relationship). After that, it is securely deleted or anonymized.

​

Your Rights

​

Under POPIA, you have rights to:

  • Access your information (request a copy).

  • Correct or update inaccurate data.

  • Object to processing (e.g., marketing).

  • Request deletion (where not legally required to retain).

  • Withdraw consent (may affect services).

  • Lodge complaints with us or the Information Regulator.

​

To exercise rights, contact our Information Officer at [insert email, e.g., privacy@bondeed.co.za]. We may verify your identity and respond within reasonable timeframes.

​

Changes to This Policy

​

We may update this Policy to reflect legal changes or business practices. Updates will be posted on our website with the effective date. Continued use constitutes acceptance.

​

Contact Us

​

For questions, requests, or complaints, contact:

​

If unsatisfied, contact the Information Regulator: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001; Email: POPIAComplaints@inforegulator.org.za.

nlaf-tandc
bottom of page