Privacy Policy

Who we are

TrueLend (Pty) Ltd (“TrueLend”, “we”, “us”) is a South African short-term credit provider, currently completing National Credit Regulator registration. Contact us about privacy at hello@truelend.co.za.

What we collect

When you create an account: your name, email address, and password.

When you apply for a loan: your SA ID number, phone number, residential address, employment status and employer, declared gross income and monthly expenses, and a document you upload as proof of income (a payslip, bank statement, affidavit, or SASSA letter).

When an application is assessed: our staff record the outcome of the affordability check the law requires, including information from a credit bureau report where one was pulled.

We don’t use cookies, analytics, or any tracking scripts on this site. We only collect what you directly give us.

Why we collect it

To verify who you are, to assess whether a loan is something you can afford to repay (a legal requirement under the National Credit Act, not something we can skip), and to administer any loan you take out with us.

Who we share it with

We don’t sell your information. It’s shared only with the service providers that make TrueLend work, and, once we’re registered and actually lending, with credit bureaus:

• Supabase — stores our database and your uploaded documents, encrypted.
• Netlify — hosts this website.
• Resend — sends you email about your application’s outcome.
• Credit bureaus (once we’re registered to lend) — we’ll pull a credit report as part of assessing your application, and we’re legally required to report your loan and repayment history to them too.

How long we keep it

If your application is declined, we clear the income, expense, and document details from that application after 90 days — we don’t need them once a decision is made and the retention window has passed. Your account itself is never deleted just because an application was declined; you can log in and apply again any time. If you have an active or past loan with us, we keep those records for as long as the law requires (currently up to 5 years for payment history).

Your rights

Under South Africa’s POPIA, you can ask us to:

• tell you exactly what information we hold about you
• correct anything that’s wrong
• delete information we no longer have a legal reason to keep
• tell you which specific credit bureau a decision was based on, if we declined you because of one

Email hello@truelend.co.za for any of the above. If you’re not satisfied with our response, you can complain to the Information Regulator (South Africa) at inforegulator.org.za.

Security

Your data is encrypted at rest and in transit. Uploaded documents are kept in a private storage bucket that only you and TrueLend staff can access — never a public link. Access to your data is restricted by role: only you can see your own application, and only TrueLend admins can review it.