Legal
Privacy Policy
Last updated: October 2026
BELLOORD 49 CC t/a Badger Finance (Registration No. 2008/068143/23, NCR Registration NCRCP19928) is committed to protecting your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). This policy explains what information we collect, why we collect it, how we use it, and your rights as a data subject.
1. Who is responsible for your information?
The responsible party is BELLOORD 49 CC t/a Badger Finance, Registration No. 2008/068143/23. Our Information Officer is Braam Ralph, who can be contacted at info@badgerfin.co.za or 084 473 8392.
2. What personal information we collect
We collect information you provide when you apply for credit or contact us: full name, identity number, contact details (phone, email, address), employment details, income and expense information, bank account details, and credit history obtained from registered credit bureaux.
3. Why we collect your information
We process your personal information to assess your credit application in terms of the National Credit Act 34 of 2005; to verify your identity and prevent fraud; to communicate with you about your application and account; to comply with our legal obligations under the NCA, POPIA, FICA, and other applicable legislation; and to improve our services.
4. Who we share your information with
We may share your information with registered credit bureaux (as required by the NCA); our service providers who assist us in processing applications (bound by confidentiality obligations); your employer, only to the extent required to arrange payroll deductions on an approved loan; and regulatory authorities where required by law.
5. How long we keep your information
We retain your personal information for as long as required to fulfil the purpose for which it was collected, or as required by law. Credit records are generally retained for five years after the credit agreement ends, in line with NCA requirements.
6. Your rights as a data subject
You have the right to: request access to your personal information; request correction of inaccurate information; object to the processing of your information; request deletion of your information (subject to legal retention requirements); and lodge a complaint with the Information Regulator.
7. Information Regulator contact details
The Information Regulator (South Africa): Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191. Email: POPIAComplaints@inforegulator.org.za. Phone: 010 023 5200. Website: https://inforegulator.org.za
8. Cookies and website data
Our website may use cookies to improve your browsing experience. We do not sell your data to third parties. You may disable cookies in your browser settings.
9. Contact us
For any privacy-related queries or to exercise your rights, contact our Information Officer, Braam Ralph, at info@badgerfin.co.za or 084 473 8392.