PRIVACY POLICY — SAFELOANS.ONLINE

Effective date: 1 March 2026

Last updated: 18 April 2026

1. Who we are

SafeLoans.online is a website is operated by High Stake Media Pty Ltd, an independent marketing affiliate company based in South Africa. We are the responsible party in terms of the Protection of Personal Information Act, No. 4 of 2013 ("POPIA").

Contact details:

Email: info@safeloans.online

Physical address:118A 12th avenue, Edenburg, Sandton 2191

2. What this policy covers

This policy explains how we collect, use, store, share and protect your personal information when you visit safeloans.online and submit your details through our website. It is written in plain language as required by POPIA.

3. What personal information we collect

We collect the following information directly from you when you complete our form:

• First name

• WhatsApp number

• Email address

• Loan amount range selected

We also collect the following automatically when you visit our website:

• IP address

• Browser type and version

• Pages visited and time spent

• Referring website

• Device type

This information is collected via cookies and analytics tools including the Meta Pixel. See Section 9 for our cookie policy.

4. Why we collect your information

Under POPIA, we may only process your personal information for a specific, lawful purpose — and we must inform you of that purpose before or at the time of collection.

We collect and use your information for the following purposes:

• To refer you to loan and financial product providers who may be able to assist you

• To contact you via WhatsApp and email with relevant loan offers and financial product information from SafeLoans' affiliate partners

• To segment and analyse our audience to improve the relevance of offers we share

• To comply with our legal obligations

• To operate, improve and maintain our website

We will not use your information for any purpose other than those listed above without obtaining your fresh consent.

5. Legal basis for processing

Under POPIA, we can only process personal information if we have a lawful basis. The conditions for lawful processing require that processing must be reasonable, lawful, and for the purpose provided to the user.

Our lawful basis for processing your information is your explicit, informed consent, which you provide by ticking the consent checkbox on our form before submitting your details.

Under Section 69 of POPIA, consent is the default requirement for electronic direct marketing communications including emails, SMS and WhatsApp messages. We will only contact you electronically if you have given us prior consent through our opt-in form.

6. Who we share your information with

We share your information with the following categories of third parties:

• Loan and credit providers: When you click through from our site, you are referred to a registered credit provider. With your consent we may share your form data with other credit providers and financial product partners for the purpose of presenting you with relevant offers.

• Analytics providers: We use Meta Pixel (Facebook) and may use Google Analytics to understand how visitors use our site. These tools may process your IP address and browsing behaviour.

• Marketing platforms: We use tools such as Mailchimp or similar to store and manage your contact details for email and WhatsApp communications.

POPIA prohibits transfers of personal information outside of South Africa unless adequate protections are in place, including adequate legal protection, your consent, or necessity for a contract. IWhere we use platforms that store data outside South Africa (such as Mailchimp, Meta), we rely on your consent and the standard contractual protections offered by those platforms.

We do not sell your personal information to any third party for their own commercial use.

7. Your rights under POPIA

POPIA provides you with the following rights regarding your personal information:

• The right to confirm whether your personal information is being processed

• The right to access the personal information we hold about you

• The right to request the amendment or correction of your personal information

• The right to withdraw your consent at any time

• The right to request that we restrict or delete your personal information

• The right to lodge a complaint with the South African Information Regulator

• The right to opt out of automated decision-making

To exercise any of these rights, contact us at info@safeloans.online. We will respond within a reasonable time and no later than 30 days.

8. How to opt out

You can withdraw your consent and opt out of all marketing communications at any time by:

• Clicking the "Unsubscribe" link in any email we send you

• Replying "STOP" to any WhatsApp or SMS message from us

• Emailing us directly at info@safeloans.online with the subject line "Opt Out"

Once you opt out, we will stop all marketing communications within 5 business days. Your data will be retained only as long as required for legal or operational purposes, after which it will be deleted.

9. Cookies and the Meta Pixel

Our website uses cookies and tracking technologies including the Meta Pixel.

POPIA requires that website owners ask visitors for permission to use cookies, and users must know exactly which cookies the website uses and have the means to change permissions.

Cookies we use:

• Strictly necessary cookies — required for the website to function

• Analytics cookies — Meta Pixel, which tracks page visits and form submissions to help us improve our advertising. This data is processed by Meta (Facebook) and may be used to build advertising audiences.

• Marketing cookies — used to retarget visitors who have previously visited our site

You will be asked for consent when you first visit our site. You can withdraw cookie consent at any time through the cookie settings on our website.

10. How we protect your information

We take reasonable technical and organisational measures to protect your personal information from unauthorised access, loss or misuse. These include:

• Encrypted data transmission (HTTPS)

• Access controls limiting who can view your data

• Use of reputable third-party platforms with their own security certifications

However, no system is completely secure. In the event of a data breach that affects your rights, we will notify you and the Information Regulator as required by POPIA.

11. How long we keep your information

We retain your personal information for as long as necessary to fulfil the purposes described in this policy, or as required by law. If you opt out or request deletion, we will remove your information from our active marketing lists within 5 business days and from all systems within 30 days, unless we are legally required to retain it.

12. Children

Our website is not directed at persons under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, contact us immediately at privacy@safeloans.online and we will delete it.

13. Changes to this policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. The updated version will be posted on this page with the revised effective date. We encourage you to review this policy periodically.

14. Complaints

If you are unhappy with how we have handled your personal information, you have the right to lodge a complaint with the South African Information Regulator:

Information Regulator (South Africa) Website: www.justice.gov.za/inforeg

Email: inforeg@justice.gov.za

Tel: 010 023 5207

This privacy policy was drafted with reference to the Protection of Personal Information Act, No. 4 of 2013 (POPIA) and the Information Regulator's December 2024 Guidance Note on Direct Marketing.