DirectLoan.co.za

Privacy statement

Last modified: April 4th, 2024

Direct Loan privacy statement

This Privacy Statement is furnished by Nethos Oy (“we,” “us,” or “our”), the proprietors of the Direct Loan service. Direct Loan is crafted to assist individuals (“you” or “the User”) in applying for loans by facilitating connections with brokers and financial institutions for the procurement of loan offers, as well as providing comparative analyses of these offers. Furthermore, Direct Loan is committed to offering educational resources regarding financial management.

Nethos Oy operates the Direct Loan platform and acknowledges the importance of protecting the privacy and personal data of its users. In alignment with the Personal Data Act (523/1999), the Electronic Communications Data Protection Act (516/2004), and other pertinent legislation, we are dedicated to ensuring the confidentiality and integrity of the personal data processed through our services.

 

Purpose of This Privacy Statement

The intent of this Privacy Statement is to delineate the principles and practices that Nethos Oy adheres to in relation to the collection, utilization, and disclosure of personal information obtained from users of the Direct Loan website. It specifies the categories of personal data we collect, the purposes for which such data is used, the circumstances under which it may be disclosed to third parties, and our policies regarding the use of cookies both on our own website and on third-party sites.

You can find our company’s personal data description here

User Consent

Your access and use of the Direct Loan service constitute your express consent to the collection, use, and disclosure of your personal information as outlined in this Privacy Statement. It is your responsibility to review this document periodically for any amendments. Continued use of the Direct Loan website following the posting of changes to these terms will indicate your acceptance of such changes.

Information Collection

Direct Loan, by Nethos Oy, collects personal information through user interactions with our website, including loan applications, customer service activities, and direct user submissions. We also use cookies and similar technologies to track site usage and service engagement.

We collect essential personal information for processing, such as:

  • Contact Details: Name, addresses, phone number, email.
  • Registration Info: Username, password.
  • Demographic Data: Date of birth, gender.
  • User Preferences: Interests and profiling information.
  • Service Usage: Payment details, feedback, and order history.
  • Marketing Preferences: Direct marketing consents or opt-outs.
  • Other Information: As consented by the user.
  • Third-party registration or login services may collect information per their policies.

Cookie Policy

Direct Loan uses cookies and similar technologies to gather data about user interactions with our website. These tools are essential for identifying browsers, analyzing website usage, and improving our services.

Data collected by cookies includes:

  • User’s IP address and visit time.
  • Pages visited and duration of each visit.
  • Browser type and device operating system.
  • Referral and exit web addresses.
  • Server and domain origins.

Third-party cookies, such as those from analytics and tracking services, may also be used. These enable us to understand user behavior better and to enhance site functionality and advertisement targeting.

Cookies on Third-Party Sites:

We utilize cookies for advertising on third-party websites, working with technology partners to target ads to users most interested in our services based on their web activity. This involves:

Monitoring ad performance, like views, clicks, and conversions.

Using data from external sites for ad targeting.

Managing Cookies and Ads:

Users have the option to block cookies via their browser settings, though this may affect site functionality. To opt-out of interest-based advertising, specific mechanisms are provided.

Regular Data Disclosures

We disclose personal information in compliance with legal standards for legitimate purposes.

  1. a) Disclosures may include:
  • Service providers for site and service maintenance.
  • Affiliate marketing, unless opted-out.
  • Legal authorities, when required by law or to protect rights and interests.
  • Related entities within our corporate group or potential new owners in the event of a business transition.
  1. b) Automated data may be disclosed to:
  • Service providers for analysis and online advertising.
  • Legal authorities, as necessary.
  • Affiliates or related entities, particularly in business transitions.

Additionally, we may share aggregated, non-identifiable data with third parties, which is not considered personal information.

Regular Data Disclosures

We disclose personal information in compliance with legal standards for legitimate purposes.

  1. a) Disclosures may include:
  • Service providers for site and service maintenance.
  • Affiliate marketing, unless opted-out.
  • Legal authorities, when required by law or to protect rights and interests.
  • Related entities within our corporate group or potential new owners in the event of a business transition.
  1. b) Automated data may be disclosed to:
  • Service providers for analysis and online advertising.
  • Legal authorities, as necessary.
  • Affiliates or related entities, particularly in business transitions.

Additionally, we may share aggregated, non-identifiable data with third parties, which is not considered personal information.

Third-Party Links

Our website may feature links to external sites not operated by us. Direct Loan is not accountable for the content or privacy practices of these third-party websites. We advise you to review their privacy policies thoroughly.

Data Protection Principles

Direct Loan, through Nethos Oy, commits to employing necessary technical and organizational safeguards to protect personal data against unauthorized access, accidental loss, destruction, alteration, and other improper actions. Our commitment to data security ensures the confidentiality, integrity, and availability of your personal information.

User Rights

You possess several rights regarding your personal data under the Personal Data Act, including:

  • The right to access personal data about you that we hold.
  • The right to rectify any inaccurate or incomplete information.
  • The right to object to the processing of your personal data for direct marketing purposes.
  • The right to request the deletion or updating of data that is incorrect, unnecessary, incomplete, or no longer relevant for processing purposes.

To assert these rights, contact us at customersupport@directloan.co.za. For requests to access your personal data, a reasonable fee may be charged if such requests are made more frequently than once per year.

Privacy Statement Changes

We reserve the right to modify this Privacy Statement. Any changes will be communicated on our website. Regular review of this statement is recommended to stay informed of any updates.

Privacy Statement Changes

For questions related to this Privacy Statement, the data controller is:

Nethos Oy

Address: Mariankatu 13a A 1 FI-00170,  Helsinki, Finland

Email: customersupport@directloan.co.za

Direct Loan

Our primary goal is to empower people, small business owners, agencies, and freelancers with maximum financial certainty.

  • Support: customersupport@directloan.co.za
Products
Company

 

Nethos Oy

Mariankatu 13a A 1 FI-00170,  Helsinki, Finland.
Business ID: 2383239-5

© Nethos Oy 2024. All Rights Reserved.