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Privacy Policy

Last updated: 26 May 2026

MyPocketSmart ("we", "us", or "our") operates the MyPocketSmart website and related digital services. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our platform.

We are committed to protecting your privacy in accordance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa. For more detail on our POPIA compliance, see our POPIA Compliance Statement.

1. Who We Are

MyPocketSmart is a South African digital financial media and lead-generation platform. We are not a registered credit provider, lender, bank, or debt counsellor. We help consumers access financial education and, where appropriate, connect with third-party financial service providers.

2. Information We Collect

We may collect the following categories of personal information when you use our website or complete our financial readiness assessment:

  • Full name
  • Contact details (such as phone number and email address, if provided)
  • Employment status and income range
  • Financial needs and preferences (e.g. loan type, debt review status)
  • Technical data such as IP address, browser type, device information, and pages visited
  • Marketing and communication preferences

We collect information directly from you when you submit forms, and automatically through cookies and similar technologies when you browse our site.

3. How We Use Your Information

We use your personal information for the following purposes:

  • To process your financial readiness assessment and provide relevant educational content
  • To contact you with information, updates, and options related to your enquiry
  • To refer qualified leads to third-party financial service partners, where you have consented
  • To improve our website, services, and user experience
  • To comply with legal and regulatory obligations
  • To send marketing communications where you have opted in (you may opt out at any time)

4. Legal Basis for Processing

Under POPIA, we process your personal information based on one or more of the following:

  • Your consent (e.g. when you submit the assessment form)
  • Performance of a contract or steps taken at your request prior to entering a contract
  • Compliance with a legal obligation
  • Our legitimate interests, provided these do not override your rights (e.g. improving our platform and marketing services)

5. Sharing Your Information

We do not sell your personal information to unrelated third parties. We may share your information with:

  • Licensed financial service partners (lenders, consolidation providers, funding partners) where you have consented to be referred
  • Service providers who assist us with hosting, analytics, email delivery, and lead management — under strict confidentiality agreements
  • Regulatory or law enforcement authorities where required by law

Third-party partners who receive your information will have their own privacy policies and will process your data in accordance with applicable law.

6. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. When information is no longer required, we will securely delete or anonymise it.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, destruction, or alteration. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

Under POPIA, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Request deletion of your personal information, subject to legal retention requirements
  • Object to the processing of your personal information in certain circumstances
  • Withdraw consent where processing is based on consent
  • Lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, please contact us using the details in Section 10.

9. Cookies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyse site traffic. You can control cookie preferences through your browser settings. Disabling cookies may affect certain features of the website.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us at:

MyPocketSmart
Email: privacy@mypocketsmart.co.za
Website: mypocketsmart.co.za

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.