Zamo Privacy Policy

Welcome to Zamo, a division of Dexios Finance (Pty) Ltd. We prioritize creating a secure environment and ensuring your peace of mind by clearly outlining how we process and store your personal information. Below is a summary of our Privacy Policy.

Our Privacy Policy applies to both current and former customers who register with us. Please take the time to read this policy, as it explains how we may use your personal information, even if you do not qualify for one of our services or products. If you are approved for credit, this policy should be read together with the terms and conditions of your agreement with us, as it provides additional details on how we collect, process, and use your personal information.

Your Consent

By registering with Zamo, submitting your details, or using our services, you agree to the terms of this Privacy Policy. You also provide your voluntary, specific, and informed consent for us to process, store, and disclose your personal information as outlined below. If you have any objections to the uses described, please do not register on our website or accept the terms of any agreement related to a loan or other service from Zamo.

Personal Information

Personal information refers to any data that identifies or relates specifically to you, as defined by the Protection of Personal Information Act of 2013 (POPIA). This includes, but is not limited to, your financial information, name, age, identity number, assets and liabilities, income, bank account details, physical address, email address, location information, contact numbers, and payment records.

How We Collect Your Personal Information

We collect your information in two primary ways: directly from you during registration and through your online application, and from external sources such as registered credit bureaus.

How We Use Your Personal Information

As a responsible lender, we aim to ensure that our lending services and electronic offerings run smoothly and successfully. To achieve this, we need to understand your specific needs and assess whether you can repay the loan or required installments in compliance with the National Credit Act of 2005. We may use your personal 

information for the following purposes:

• To identify you and verify the accuracy and completeness of the information you provide.
• To process your instructions or requests.
• To evaluate whether you meet our lending criteria by analyzing your personal information and creating a credit profile.
• To supply financial institutions or payment processing agencies with your information.
• To send you promotional material or details we believe may be of interest to you. You can unsubscribe from these communications at any time.
• For statistical analysis, research, product development, risk assessment, regulatory checks, and other lawful purposes.

Direct Marketing

When you register and accept our terms, you give your informed consent to receive direct marketing communications from Zamo or its affiliates via electronic means. You can opt out of these communications at any time by clicking the unsubscribe link in our emails or by opting out in your Zamo profile..

Additional Data Collection

In addition to the personal information you provide, we may collect information about your computer, such as your IP address, operating system, and browser type. This data helps us enhance our services, detect fraud, and understand customer preferences.

Disclosure of Your Personal Information

We may share your personal information with third parties involved in providing the services you request, such as other lenders, credit bureaus, and service providers. We ensure that all third parties are bound by contracts to maintain the confidentiality and security of your information.

Right to Access Your Personal Information

You have the right to request access to your personal information and request corrections to any inaccuracies. Please note that a prescribed fee may apply.

Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. We encourage you to review this policy periodically for any changes.

Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at support@zamo.money

Information Regulator

If we're unable to resolve your concerns or if you have any complaints about how we collect, process, or store your personal information, you can reach out to the Information Regulator by emailing inforeg@justice.gov.za.