Privacy Policy

Sedi Finance
(Operated by BOMANDA GENERAL TRADING (PTY) LTD)

Last updated: 07.02.2026

1. INTRODUCTION

Sedi Finance respects your privacy and is committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA) and applicable South African laws.

This Privacy Policy explains how we collect, use, store, and protect your information when you use our website:

https://sedifinance.co.za

2. RESPONSIBLE PARTY

Company Name: BOMANDA GENERAL TRADING (PTY) LTD
Trading Name: Sedi Finance
NCR Registration Number: NCRCP22851
Email: apply@sedifinance.co.za
Phone: 063 545 3798

3. INFORMATION WE COLLECT

We may collect the following personal information:

3.1 Identification Information

Full name
South African ID number
Date of birth

3.2 Contact Information

Phone number
Email address
Residential address

3.3 Financial Information

Bank statements
Payslips
Employment details
Credit history (via credit bureaus)

3.4 Technical Information

IP address
Device and browser information
Website usage data

4. HOW WE COLLECT INFORMATION

We collect information:

When you apply for a loan
When you contact us via WhatsApp, email, or phone
When you upload documents
Through cookies and website analytics
From registered credit bureaus

5. PURPOSE OF PROCESSING

We collect and process your information to:

Assess your loan application
Conduct credit checks
Perform affordability assessments
Comply with the National Credit Act
Communicate with you
Process payments
Prevent fraud
Maintain legal and financial records

6. SHARING OF INFORMATION

We may share your information with:

Registered credit bureaus
Payment service providers (e.g. PayFast)
Debt collection agencies (if required)
Regulatory authorities (NCR, FIC)
Our professional advisors

We do not sell your personal information.

7. PAYMENT SECURITY

All card payments are processed through secure third-party payment providers.
Sedi Finance does not store your card details.

8. DATA RETENTION

We retain personal information:

For as long as required by law
As required under the National Credit Act
For a minimum of 5 years after account closure

9. YOUR RIGHTS UNDER POPIA

You have the right to:

Access your personal information
Request correction of inaccurate information
Object to processing (where applicable)
Request deletion (subject to legal obligations)

Requests can be sent to:
apply@sedifinance.co.za

10. COOKIES

Our website may use cookies to:

Improve user experience
Analyse website traffic
Remember user preferences

You may disable cookies in your browser settings.

11. DATA SECURITY

We take reasonable technical and organisational measures to protect your information, including:

Secure website connections (HTTPS)
Restricted access to personal data
Secure third-party payment systems

12. THIRD-PARTY LINKS

Our website may contain links to third-party sites.
We are not responsible for their privacy practices.

13. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time.
The latest version will always be available on our website.

14. CONTACT US

If you have questions about this policy:

Sedi Finance
063 545 3798
apply@sedifinance.co.za
www.sedifinance.co.za