Privacy Policy / POPIA Notice

This Privacy Policy explains how EmergiFund (Pty) Ltd, Registration Number 2026/254124/07, referred to as "EmergiFund", "we", "us" or "our", collects, uses, stores, shares, protects and processes personal information.

This Privacy Policy applies to all customers, applicants, website users, referral partners, service users and any person who interacts with EmergiFund through our website, customer portal, application forms, payment systems, support channels, WhatsApp support line, email, telephone, SMS, social media or any other electronic platform.

EmergiFund respects your privacy and is committed to processing personal information lawfully, reasonably and responsibly in accordance with the Protection of Personal Information Act 4 of 2013, commonly known as POPIA.

By using the EmergiFund website, customer portal, applying for the EmergiFund service, submitting information or documents, accepting our Terms and Conditions, accepting a debit order mandate, making payment, requesting fuel or electricity access, or otherwise using our service, you agree that we may process your personal information in accordance with this Privacy Policy.

The responsible party for your personal information is:

• EmergiFund (Pty) Ltd, Registration Number: 2026/254124/07
• Website: emergifund.co.za
• Email: support@emergifund.co.za
• WhatsApp / Contact Number: 066 266 3848
• Registered Address: 126 Terrace Road, Eden-Glen, Edenvale, 1609

EmergiFund is responsible for determining why and how your personal information is processed.

EmergiFund’s Information Officer is responsible for assisting with privacy-related queries, POPIA requests and personal information matters.

• Information Officer: Ethan Roets
• Email: support@emergifund.co.za
• Contact Number: 066 266 3848

Customers may contact the Information Officer to request access to personal information, correction of personal information, deletion of personal information where legally permitted, withdrawal of consent where applicable, or to raise a privacy complaint.

EmergiFund may collect and process the following personal information:

• full name and surname
• identity number or passport number
• date of birth
• cellphone number
• WhatsApp number
• email address
• residential address
• proof of address
• employer details
• employment status
• salary date or income cycle
• income information
• payslips
• bank statements
• bank account details
• debit order mandate details
• payment history
• failed payment history
• repayment history
• account status
• approved plans
• service request history
• fuel access history
• electricity access history
• prepaid meter numbers
• fuel fulfilment details
• PayShap ID
• proof of payment
• uploaded documents
• referral information
• website and customer portal login information
• device information
• IP address
• browser information
• website usage information
• customer portal activity
• checkbox acceptances
• electronic signatures
• timestamps
• WhatsApp support communications
• emails, SMS messages, call notes and support records
• fraud prevention and risk assessment information
• any other information reasonably required to assess, approve, provide, operate, manage, recover, protect or improve the EmergiFund service

EmergiFund may collect personal information directly from you when you:

• visit our website
• create a customer profile
• submit an online application
• upload documents
• select a plan
• accept the Terms and Conditions
• accept a debit order mandate
• request fuel or electricity access
• submit a meter number
• submit PayShap ID or banking details
• make payment
• upload proof of payment
• refer a friend
• contact customer support
• communicate with us by WhatsApp, email, SMS, telephone or any electronic platform

EmergiFund may also collect personal information from third parties where lawful and necessary, including:

• payment service providers
• banks
• debit order providers
• verification providers
• fuel partners
• electricity vendors
• IT, website and hosting providers
• referral partners
• debt collectors
• attorneys
• regulators or law enforcement where applicable
• publicly available sources, where lawful

EmergiFund processes personal information for the following purposes:

• receiving and assessing applications
• verifying identity
• verifying contact details
• assessing affordability and risk
• approving or declining applications
• creating and managing customer profiles
• managing monthly subscriptions
• managing fuel and electricity access plans
• processing debit order mandates
• collecting subscription fees
• collecting repayment amounts
• processing failed payment fees, penalties and arrears
• loading prepaid electricity
• issuing electricity tokens
• checking whether a meter is supported by our payment system or electricity vendor
• processing fuel access requests
• processing temporary alternative fuel fulfilment where applicable
• confirming payment history
• updating customer balances
• managing outstanding amounts
• managing repayment dates and schedules
• sending account notices and reminders
• providing customer support
• communicating with customers
• preventing fraud, abuse and misuse
• detecting identity theft or unauthorised use
• managing disputes
• investigating reversed or disputed debit orders
• enforcing our Terms and Conditions
• collecting unpaid amounts
• handing matters to debt collectors or attorneys where necessary
• complying with legal, accounting, tax, regulatory and record-keeping obligations
• improving our website, customer portal and services
• managing referral codes and referral partners
• sending direct marketing where permitted by law or with consent

EmergiFund processes personal information where:

• you have consented to the processing
• the processing is necessary to assess your application
• the processing is necessary to provide the EmergiFund service
• the processing is necessary to perform under our Terms and Conditions
• the processing is necessary to process payments and debit orders
• the processing is necessary to protect EmergiFund’s rights and recover amounts owed
• the processing is necessary to comply with legal obligations
• the processing is necessary for fraud prevention, risk management and security
• the processing is permitted by law

If you do not provide the personal information requested by EmergiFund, we may be unable to assess your application, verify your identity, verify affordability, approve your application, activate your subscription, process debit orders, provide fuel or electricity access, load prepaid electricity, process payment records, manage your account, or provide customer support.

EmergiFund may decline, suspend or cancel access where required information is not provided, is incomplete, is inaccurate, or cannot be verified.

EmergiFund may share relevant personal information with:

• payment service providers
• Netcash or replacement debit order providers
• banks
• fuel partners
• fuel platforms
• electricity vendors
• prepaid electricity vending providers
• verification providers
• website, hosting and database providers
• IT service providers
• document storage providers
• communication platforms
• SMS, email or WhatsApp support service providers
• accountants
• attorneys
• debt collectors
• tracing agents
• referral partners, only where necessary for referral tracking
• regulators
• law enforcement
• courts or tribunals
• any other party reasonably necessary to provide, manage, verify, protect, recover, regulate or improve the service

EmergiFund will only share personal information where there is a lawful reason to do so and where the information is reasonably necessary for the purpose.

EmergiFund may use third-party operators to process personal information on its behalf. These operators may include website providers, hosting providers, database providers, form providers, document storage providers, payment providers, debit order providers, communication providers and verification providers.

EmergiFund will take reasonable steps to ensure that third-party operators process personal information securely and only for authorised purposes.

Some third-party service providers used by EmergiFund may store or process personal information outside South Africa. This may include website hosting, cloud storage, email, database, form, customer portal, payment, analytics, communication or support service providers.

Where personal information is transferred outside South Africa, EmergiFund will take reasonable steps to ensure that the transfer is lawful and that appropriate safeguards are in place.

By using the EmergiFund website, customer portal or service, you consent to personal information being processed or stored outside South Africa where this is reasonably necessary to operate the service.

EmergiFund will take reasonable technical and organisational measures to protect personal information against loss, misuse, unauthorised access, unauthorised disclosure, alteration or destruction. These measures may include:

• secure website access
• password protection
• access controls
• restricted admin access
• document storage controls
• payment provider security
• system logs
• staff confidentiality obligations
• reasonable monitoring and review of security practices

The Customer is responsible for keeping their login details, cellphone number, email account, WhatsApp account and customer portal access secure, and must immediately notify EmergiFund if they believe their profile, login details, cellphone number, email account, bank details or PayShap ID have been compromised.

If EmergiFund has reasonable grounds to believe that personal information has been accessed or acquired by an unauthorised person, EmergiFund will take reasonable steps as required by law.

Where required, EmergiFund may notify the affected person and the Information Regulator. EmergiFund may delay notification only where permitted by law, including where a public body responsible for preventing, detecting or investigating offences determines that notification will impede a criminal investigation.

EmergiFund will retain personal information for as long as reasonably necessary for the purposes for which it was collected, and may also retain personal information where required or permitted for legal compliance, accounting records, tax records, payment records, debit order mandate records, customer account history, dispute resolution, fraud prevention, collections and recovery, enforcement of rights, regulatory purposes, and audit purposes.

EmergiFund may retain records after cancellation, suspension, termination or decline of an application where reasonably necessary for lawful business, legal, accounting, dispute, risk, fraud prevention or recovery purposes.

When personal information is no longer required, EmergiFund will take reasonable steps to delete, destroy, de-identify or restrict access to it, where appropriate.

Subject to applicable law, you may have the right to:

• ask what personal information EmergiFund holds about you
• request access to your personal information
• request correction of inaccurate, irrelevant, excessive, outdated, incomplete, misleading or unlawfully obtained personal information
• request deletion or destruction of personal information where legally permitted
• object to the processing of personal information in certain circumstances
• withdraw consent where processing is based on consent
• object to direct marketing
• submit a complaint to the Information Regulator

Requests may be sent to: support@emergifund.co.za or 066 266 3848 (WhatsApp / Contact Number).

EmergiFund may require proof of identity before processing any request, and may refuse or limit a request where permitted by law, including where information must be retained for legal, contractual, accounting, dispute, fraud prevention, recovery or regulatory purposes.

EmergiFund may send service-related communications to Customers, including application updates, approval messages, debit order notices, repayment reminders, account updates, document requests, service notices, failed payment notices, collection notices, customer portal notices and support messages. These are necessary for the operation of the service and are not optional marketing communications.

EmergiFund may send direct marketing communications where you have consented or where permitted by law. You may opt out of direct marketing at any time by using the opt-out option provided or by contacting EmergiFund. Opting out of marketing will not stop necessary service-related communications.

EmergiFund’s website and customer portal may use cookies, analytics tools, tracking technologies, log files or similar technologies to operate the website, keep users logged in, improve website performance, detect fraud or abuse, secure the customer portal, remember user preferences, understand website usage, and improve our services and marketing.

You may disable cookies in your browser settings, but this may affect the functionality of the website or customer portal.

EmergiFund’s services are intended for persons who are 18 years or older. EmergiFund does not knowingly collect personal information from children.

If EmergiFund becomes aware that personal information of a child has been submitted without lawful authority, EmergiFund may delete or restrict the information, unless legally required or permitted to retain it.

The Customer must provide accurate, complete and up-to-date personal information, and must update their information if their address, cellphone number, email address, employment, income, payday, bank details, PayShap ID, meter number or any other relevant details change.

EmergiFund is not responsible for loss, delay, failed communication, failed payment, incorrect loading, unsupported meter issues, failed fulfilment or account errors caused by incorrect, outdated or incomplete information provided by the Customer.

EmergiFund may use automated or semi-automated systems to assist with application processing, affordability checks, risk assessment, fraud detection, payment tracking, customer status updates and service management, and may use these systems to help approve, decline, suspend, flag or review applications, accounts or service requests.

Where required by law, Customers may request human review of a decision that significantly affects them.

The EmergiFund website may contain links to third-party websites or services. EmergiFund is not responsible for the privacy practices, security, content or conduct of third-party websites or services. Customers should read the privacy policies of third-party websites before using them.

EmergiFund may amend this Privacy Policy from time to time. The latest version published on the EmergiFund website will apply. Where reasonably required, EmergiFund will notify Customers of material changes.

If you believe that EmergiFund has processed your personal information unlawfully or in breach of this Privacy Policy, you may contact EmergiFund first (support@emergifund.co.za or 066 266 3848) so that we can investigate and attempt to resolve the issue.

You may also contact the Information Regulator South Africa.

• Website: inforegulator.org.za
• Email: enquiries@inforegulator.org.za
• Telephone: 010 023 5200