Privacy Policy

PRIVACY POLICY

1. Introduction

weDiscount (Pty) Ltd is a financial services company that assists Road Accident Fund (RAF) claimants by providing advances against their settled RAF claims through a discounting agreement.

We are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (“POPIA”) and all applicable South African data-protection and financial services legislation.

Because our services involve processing sensitive personal and financial information, we apply the highest standard of care to your privacy. By using our website or engaging our services, you acknowledge that you have read and understood this Privacy Policy.

2. Who We Are – The Responsible Party

The responsible party as defined under POPIA is:

Company	weDiscount (Pty) Ltd
Services	Financial Services – Discounting
Website	www.wediscount.co.za
Location	Unit 3 Berlyn Centre, C/O Berlyn and Optenhorst Street, Paarl, Western Cape, South Africa
Email	info@wediscount.co.za

Our designated Information Officer is responsible for ensuring compliance with POPIA. You may direct any privacy-related queries to info@wediscount.co.za.

3. What Personal Information We Collect

Given the nature of our services — providing advances against RAF settlements — we may collect and process the following categories of personal information:

3.1 Identity and Contact Information

Full name, surname, and identity number
Date of birth and gender
Residential and postal address
Email address and telephone number(s)
Next-of-kin or authorised representative details

3.2 Financial and Banking Information

Bank account details for disbursement of advances
Income information (where relevant to affordability)

3.3 Legal Claim Information

RAF claim number and claim status
Settlement agreement and amount
Attorney or legal representative details and firm information
Mandate documentation

3.4 Website and Technical Information

IP address and browser type
Device information and operating system

4. Purpose of Processing

We process your personal information only for the following lawful purposes:

Assessing your eligibility for an advance against your RAF settlement
Verifying the existence, validity, and quantum of your settled RAF claim
Calculating an appropriate advance amount and preparing discounting agreements
Disbursing advance funds to your designated bank account
Liaising with your attorney, legal representative, or the RAF regarding your claim
Maintaining records as required by financial services legislation
Detecting, preventing, and investigating fraud or misrepresentation
Communicating with you regarding the status of your advance and claim
Improving our services and website
Complying with applicable legal and regulatory obligations

5. Lawful Basis for Processing

We rely on the following lawful grounds under POPIA:

Performance of a contract: processing necessary to assess, approve, and disburse your advance, and to manage the advance agreement between us
Consent: where you have given express, informed consent — particularly for the processing of special personal information
Legal obligation: where processing is required by law
Legitimate interest: where necessary for our legitimate business interests in verifying claims, preventing fraud, and managing financial risk, and where this does not override your rights

6. Sharing of Personal Information

We do not sell your personal information. We may share it only in the following circumstances:

6.1 Your Attorney or Legal Representative

We will liaise directly with your appointed attorney or legal representative to verify and administer your RAF claim and advance. Sharing of information with your attorney is authorised by your mandate and the discounting agreement.

6.2 The Road Accident Fund

Where necessary to verify settlement details or administer the advance, we may engage with the RAF directly, subject to your authorisation.

6.3 Service Providers

Third-party companies that process information on our behalf under our instruction, including:

Banking and payment service providers (for disbursement of advance funds)
Cloud hosting, IT, and document management
Legal and compliance advisors

6.4 Legal and Regulatory Authorities

We may disclose personal information where required by law, regulation, court order, or any other competent authority, or to protect the rights, property, or safety of weDiscount or others.

7. Retention of Personal Information

We retain your personal information only for as long as necessary to fulfil the purposes described in this Policy, or as required by law. Typical retention periods include:

Advance agreement and client records: 5 years from the date the advance is repaid or the agreement terminates, in line with financial and contractual record-keeping requirements
Marketing data: until consent is withdrawn or data is no longer required

Upon expiry of the applicable retention period, personal information will be securely destroyed or de-identified..

8. Your Rights Under POPIA

As a data subject, you have the following rights:

Right to access: request confirmation of whether we hold your personal information and receive a copy
Right to correction: request correction of inaccurate, incomplete, or outdated personal information
Right to deletion: request destruction or de-identification of personal information we no longer have a lawful basis to retain
Right to object: object to the processing of your personal information on grounds relating to your particular situation
Right to withdraw consent: withdraw consent at any time where processing is based on consent, without affecting prior lawful processing
Right to lodge a complaint: submit a complaint to the Information Regulator of South Africa

To exercise any of these rights, contact our Information Officer at info@wediscount.co.za. We will respond within 30 days.

Information Regulator contact details:

Website: www.inforegulator.org.za
Email: inforeg@justice.gov.za
Tel: 010 023 5200

9. Security

Given the sensitive nature of the personal, and financial information we process, we implement appropriate technical and organisational security measures, including:

SSL/TLS encryption for all data transmitted via our website
Access controls and role-based permissions for staff
Secure document storage and management systems
Regular security reviews and staff privacy training
Contractual obligations on service providers to maintain equivalent security standards

While we take all reasonable precautions, no electronic transmission or storage system is completely secure. We will notify you and the Information Regulator of any security compromise that is likely to affect you, as required by POPIA.

10. Children

Our services are not directed at persons under 18 years of age. We do not knowingly collect personal information from minors without verified parental or guardian consent. If you believe a minor’s information has been collected, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in law or our practices. Material changes will be communicated via email or a prominent notice on our website. The effective date at the top of this document will be updated accordingly. Continued use of our services following notice of changes constitutes your acceptance of the updated Policy.

12. Contact Us

For any privacy-related questions, requests, or concerns, please contact our Information Officer:

Company	weDiscount (Pty) Ltd
Email	info@wediscount.co.za
Website	www.wediscount.co.za
Location	Unit 3 Berlyn Centre, C/O Berlyn and Optenhorst Street, Paarl, Western Cape, South Africa