Privacy Policy
Last updated: 31 August 2026
Welcome to Sibanye Dynamics. We respect the privacy and security of our customers' personal information. This Privacy Policy explains how we collect, use, share and protect personal information when you visit our website, contact us, or apply for our short-term funding solutions.
This policy applies to all current and past customers, website visitors and applicants. It should be read together with our Terms and Conditions. We may update this policy from time to time; the latest version will always be available on this page.
Who we are
Sibanye Dynamics (Registration: 2019/344475/07) provides trusted short-term funding solutions to qualifying individuals and businesses in South Africa.
For the purposes of the Protection of Personal Information Act 4 of 2013 (POPIA), Sibanye Dynamics is the responsible party for personal information processed under this policy.
Your consent
By submitting your details to Sibanye Dynamics, using our website, or applying for our products or services, you accept this Privacy Policy and provide voluntary, informed consent for us to process your personal information as described here.
You may object to certain processing. Where we need personal information to assess an application or perform a credit agreement, we may be unable to proceed if that information is withheld or if you object to lawful processing required by the National Credit Act 34 of 2005.
What personal information we collect
Personal information is information that identifies you or relates specifically to you. Depending on your interaction with us, this may include:
- Identity and contact details (name, ID number, age, phone number, email address, physical address)
- Employment and income information
- Banking and payment details needed to assess affordability and process repayments
- Credit, payment and affordability information from you and from credit bureaux
- Application history, communication records and account activity
- Technical data such as IP address, browser type and device information when you use our website
How we collect your information
We collect personal information:
- Directly from you when you complete an application, enquiry form, or communicate with us
- From external sources where permitted by law, including credit bureaux and service providers assisting with verification, affordability assessment or collections
- Automatically through our website (for example cookies and similar technologies), as described below
Why we process your information
We process personal information for lawful purposes, including to:
- Identify you and verify the information you provide
- Assess applications, affordability and lending risk under the National Credit Act
- Conclude, administer and enforce credit agreements and related mandates
- Communicate with you about your application, account or enquiry
- Prevent fraud, money laundering and other unlawful activity, and carry out regulatory checks
- Improve our products, services and website experience
- Conduct market research and statistical analysis in aggregated or de-identified form where appropriate
- Send marketing about our products or services where you have agreed to receive it, or where otherwise permitted by law
- Comply with our legal and regulatory obligations
Sharing your information
We may share personal information with trusted third parties who help us deliver our services, including credit bureaux, verification and customer-service providers, payment processors, collection agencies and professional advisers. These parties are required to protect your information and use it only for agreed purposes.
We may also disclose personal information:
- Where required by law, regulation, court order or regulator (including the National Credit Regulator)
- In connection with a sale, merger, restructuring or transfer of our business or assets
- To enforce our Terms and Conditions or protect our rights, customers or the public
- With your consent, or where otherwise permitted under POPIA
Security and confidentiality
We take reasonable technical and organisational measures to protect personal information against loss, misuse, unauthorised access or alteration. Access to personal information is limited to staff and service providers who need it to perform their duties. No method of transmission or storage is completely secure; if you suspect unauthorised use of your account credentials, please contact us immediately.
Where you are given a username, password or similar credentials, you are responsible for keeping them confidential.
Cookies and website data
Our website may use cookies and similar technologies to support site operation, remember preferences, estimate audience size and improve our services. You can configure your browser to refuse cookies; some features of the site may then not work as intended. Third-party sites linked from our website have their own privacy practices, which we do not control.
Marketing communications
Where you have agreed to marketing, we may contact you by email, SMS, telephone or other reasonable channels about products and services that may interest you. You may withdraw marketing consent at any time by contacting us or following the unsubscribe instructions in the message. You may also register on the Direct Marketing Association of South Africa opt-out register at www.dmasa.org.
Your rights
Subject to POPIA and related laws, you may request access to the personal information we hold about you, and ask us to correct or delete information that is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or unlawfully obtained. Prescribed fees may apply for certain access requests under the Promotion of Access to Information Act 2 of 2000 (PAIA).
PAIA request forms are available here: Download PAIA forms.
Age restriction
Our products and services are available only to persons 18 years of age or older. Minors may not apply for or use our credit products.
Calls and quality monitoring
Calls to Sibanye Dynamics may be recorded or monitored for quality assurance, staff training, and to help detect fraud or other criminal activity.
Applicable law
This Privacy Policy is governed by the laws of the Republic of South Africa, including POPIA, the National Credit Act, the Consumer Protection Act 68 of 2008, and the Electronic Communications and Transactions Act 25 of 2002, as applicable. Disputes are subject to the jurisdiction of the South African courts.
Contact us
For privacy queries, access requests or complaints, contact us at: