Privacy Policy

1. Introduction

ooba Home Loans Bloemfontein is operated by Melinda Kleyn as an independent ooba franchise. This Privacy Policy governs the collection, use and protection of personal information on this website, oobabloem.co.za. By using this site or submitting any form, you agree to the practices described in this policy. We are committed to handling your personal information responsibly and in compliance with applicable South African law.

2. Information We Collect

We may collect the following categories of personal information when you interact with our website:

• Full name and identity number
• Contact details including phone number and email address
• Gross monthly income and employment information
• Monthly expense and debt information
• Financial information submitted through our contact forms or calculators
• Any other information you voluntarily provide when contacting us

Calculator tools on this site process information locally in your browser. We do not store calculator inputs unless you submit a contact form.

3. How We Use Your Information

We use your personal information for the following purposes:

• Processing and submitting home loan applications on your behalf
• Contacting you in response to your enquiry or request
• Assessing your affordability and preparing your application for submission to banks
• Communicating updates regarding your application status
• Improving the quality and relevance of our services
• Complying with our legal and regulatory obligations

4. POPIA Compliance

We comply with the Protection of Personal Information Act 4 of 2013 (POPIA). We collect only the personal information necessary for the purposes described in this policy, retain it only for as long as required, and take reasonable measures to protect it from unauthorised access, loss or misuse. By submitting your information to us, you consent to its processing as described herein.

5. Sharing Your Information

We may share your personal information with:

• ooba (Pty) Ltd, as the franchisor, for the purpose of processing your home loan application
• Major South African banks and registered credit providers solely for the purpose of evaluating and processing your bond application

We do not sell, rent or trade your personal information to any third party for marketing or commercial purposes. Information is shared only to the extent necessary to provide the services you have requested.

6. Your Rights

Under POPIA, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information, subject to any legal obligations we may have to retain it
• Object to the processing of your personal information in certain circumstances
• Lodge a complaint with the Information Regulator if you believe your rights have been violated

To exercise any of these rights, please contact us at melinda.kleyn@ooba.co.za.

7. Contact

For any privacy-related queries, corrections or complaints, please contact us directly:

Melinda Kleyn
ooba Home Loans Bloemfontein
melinda.kleyn@ooba.co.za
072 435 2693

Complaints may also be directed to the Information Regulator of South Africa: POPIAComplaints@inforegulator.org.za