Welcome to Quickching t/a Mulah Website ("Website"). We believe you deserve
the utmost respect when it comes to the security and use of your personal information, so we have
change from time to time. Please also read the loan terms and conditions (sent via email during the
application), which provide further details of how we collect, process and use your personal information
By submitting your details and/or using our Website you accept this Privacy
Policy and expressly consent to the use and disclosure of your personal information in the manner described
our Website to apply for a loan.
Security and Confidentiality
We understand the value of your personal information and therefore will take
all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration.
Your personal information is stored in databases that have built-in safeguards and firewalls to ensure
the privacy and confidentiality of that information.
We recognise the need for appropriate protection and management of the
personal information you share with us. We protect that information using secure socket layer (SSL)
encryption technology and by limiting employee access on a need-to-know basis. We store data in
encrypted form on computers and control access via secure web pages. We employ firewalls and other
security technologies to protect our servers from external attack.
Our security systems meet or exceed industry standards and we are constantly
monitoring internet developments to ensure our systems evolve as required. We also test our systems
regularly to make sure our security mechanisms are up to date.
Finally, we are subject to South African data protection laws, which we
comply with fully and give the greatest respect.
Personal information is information that identifies or relates specifically to
you includes your financial information, for example, your name, age and identity number, your assets and
liabilities, your income and your payment records. In short, any information that we know about you will be
regarded as your personal information.
We collect information about you in two ways - directly from your online
application and also from outside sources such as credit bureaux and customer service providers. We may use
data that identifies your personal information for a number of things including: statistical analysis; to
develop and improve our products; to assess lending risks; to update your records; to identify which of our
products, or our partners' products which might interest you; to identify and prevent fraud, money
laundering and other criminal activities; to carry out regulatory checks, keeping you informed about your
loan, and for market research; and in the products and services which we offer on behalf of third parties.
Collection and Use of Personal Information
In order to make your use of this loan product and our Website offered by
Mulah as successfully as possible, it is necessary for us to find out exactly what you need and want
from us and to ascertain whether in terms of the provisions of the National Credit Act you are eligible
to get a loan. The following are some of the reasons why we would collect your personal information:
in order for us to process your instructions or requests;
in order for us to ensure that you meet our lending criteria, we may
collect and analyse your personal information and combine all the information that we have about you
to compile a credit profile of you in order for us to grant you a loan and to meet your specific
once we have collected and analysed your personal information, we may
send you promotional material or details which we think may be of interest to you. If any of this
promotional information relates to products, promotions, news or services of a third party, and if
you indicate that you would like more details, we may inform the third party to contact you
directly. We will however, only inform a third party to contact you directly if you have indicated
that this is agreeable to you.
In addition, we utilise your personal information for the other purposes set
Additional data collection
In addition to the personal information you submit, we may collect
information about your computer including, where available, your IP address, operating system and
browser type - for system administration and to report aggregate information to our advertising partners
which allow us to have a better understanding of our customer requirements and/or preferences by using
cookies to track users as they travel from website to website recording what commercial advertisements
they view and select while browsing.
This is statistical data about browsing actions and patterns and does not
identify any individual. We may also obtain information about your general internet usage by using a
cookie file which is stored on the hard drive of your computer. Cookies enable us to improve our service
to you, estimate our audience size and usage patterns, store information about your preferences and
recognise you when you return to our site.
not be able to enjoy full use of the site and you may not be able to take advantage of certain
promotions we may run from time to time. Please note that third parties who advertise on our site may
responsibility for them.
We want to provide you with the best possible service, so calls to Mulah
will be recorded and/or monitored for quality checks and staff training. Recordings may also be used to
help us combat fraud.
When you use our Website and the services provided by us, you may be given an
access number, user name, password and/or personal identification number (PIN). You are responsible for
maintaining the secrecy and confidentiality of your user name, access card, password and/or personal
identification number ("PIN").
Sharing your data for service provision
We share the data you submit with third parties involved in the process of
providing the services you request, such as lenders, credit bureaux, customer service providers and
collection agencies. We have trusted relationships with these carefully selected third parties who perform
services on our behalf. All service providers are bound by contract to maintain the confidentiality and
Selling and disclosing your data to third parties
We may also sell your data (or otherwise pass it on) to selected third
parties who may receive it as part of products or services which we offer and/or otherwise use it to
contact you by post, telephone, email, SMS or other reasonable method in relation to offers they feel
might interest you, whether or not we enter into an agreement with you.
By clicking the "I Accept" box, you hereby agree that we may disclose your
In the event we sell or buy any business or assets (in which case we may
disclose your personal information to the prospective seller or buyer of such a business or assets)
If our business or substantially all of its assets are acquired by a
third party (in which case personal information held about customers will be one of the transferred
If we have a duty to disclose your personal information in order to
comply with a legal request, or in order to enforce any of our terms and conditions
Electronic Communications and Transactions Act
We also voluntarily subscribe to the principles, outlined in Section 51 of
the Electronic Communications and Transactions Act 2002 ("ECT Act"), which govern your right to having
your personal information kept private. We briefly outline these principles below:
We will only collect, collate, process and store ("use") your personal
so, and will only use such information for the lawful purpose for which it is required as set out in
We hereby disclose in writing, the specific purpose for which we use,
request and store your personal information. We will also keep a record of that personal information
and the specific purpose for which we have used it.
We will not use your personal information for any purpose, other than
that which we disclosed to you herein, unless you give us your express written permission to do so,
or unless we are permitted/required to do so by law.
Further to the requirements of the ECT Act; we will disclose your personal
information without your consent:
If we are required to do so by law or a court order;
If disclosure is in the public interest;
If disclosure is in the Mulah's interest;
With your implied consent.
In terms of the Consumer Protection Act and section 45 of the ECT Act, you
understand that you have the option to opt out of any mailing list maintained by Mulah for commercial
and marketing communications.
Contact from Mulah and third parties
As part of the application process, we ask you whether we or any of our
partners may contact you about our products and services by telephone, post, email and SMS (or other
reasonable method). If you ticked "yes" but no longer wish to receive such communications, please visit
the My Account page, login and change your communication preference at any time, or follow the
instructions in the message itself.
You may also register on the National "Opt Out" register of the Direct
Marketing Association of South Africa by going to www.dmasa.org.
We may transfer your personal information to selected third parties (see
"Selling and disclosing your data to third parties" above). If at any time you wish to stop receiving
such contact from a third party, you will need to follow the instructions about unsubscribing provided
at that time by the third party. Please note that we only partner with trusted companies who will
respect your right to unsubscribe from any such marketing communications, but we will not be responsible
for managing that process or any disputes.
Our site may contain links to third party websites. If you follow a link to
any of these websites, please note that these websites have their own terms and privacy policies and
that we do not accept any responsibility or liability for them. By registering at Mulah you may receive
follow-up contact and offers from third party companies as you have agreed to do by accepting this
or representations of third parties.
Because we are not responsible for any representations or information or
warranties or content on any website of any third party (including websites linked to this website or
websites facilitated by us), we do not exercise control over third parties' privacy policies and you
To register with us you must be 21-years of age or older. Minors are strictly
forbidden from using the Website.
We reserve the right, in our sole discretion to update, modify or amend
accordance with the laws of South Africa. To the extent that a court has jurisdiction over any dispute which