Privacy Policy

Last Updated: October 2025

At PienaarBank.com, a division of Pienaar Group Executive (Pty) Ltd, we value your privacy and are committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our website, online services, or any of our financial products.

By accessing or using our services, you consent to the collection and use of your information in accordance with this Policy.

1. Scope of Policy

This Privacy Policy applies to:

• Visitors to our website (www.pienaarbank.com)

• Clients applying for loans, deposits, or other financial services

• Account holders who use our online banking portal or communicate electronically with us

This Policy complies with the Protection of Personal Information Act (POPIA) and, where applicable, the General Data Protection Regulation (GDPR).

2. Information We Collect

We collect personal and financial information that is necessary to provide you with our services, including:

a. Personal Information

• Full name

• Date of birth

• ID or passport number

• Contact details (email address, mobile number, postal address)

• Employment and income details

• Proof of residence

b. Financial Information

• Bank account details

• Payment history

• Credit bureau reports

• Loan and repayment records

c. Technical Information

• IP address and browser type

• Device identifiers

• Cookies and usage analytics

We collect this information directly from you, from your authorised representatives, and, where necessary, from credit bureaus and public databases.

3. Purpose of Collection

We process your personal information to:

• Verify your identity and creditworthiness

• Process loan and account applications

• Manage your financial products and payments

• Comply with legal and regulatory obligations (including FICA and NCA)

• Communicate with you about products, updates, and account activity

• Prevent fraud, money laundering, and misuse of our platform

• Improve our website, systems, and customer experience

4. Lawful Basis for Processing

We process your personal information based on:

• Your consent, where you voluntarily provide information

• Contractual necessity, where processing is required to perform our agreement with you

• Legal obligation, to comply with financial, tax, or anti-fraud regulations

• Legitimate interest, to improve our services and protect our operations

5. Data Storage and Security

We take the security of your data seriously.
All client information is stored on secure, encrypted servers located in compliance with POPIA requirements.

Security measures include:

• SSL/TLS encryption for all data transfers

• Secure firewalls and intrusion detection systems

• Multi-factor authentication for account access

• Restricted access to authorised personnel only

• Regular internal and external security audits

If a data breach occurs, we will notify affected users and the Information Regulator within the timeframes required by law.

6. Data Sharing and Disclosure

We do not sell, rent, or trade personal data.
However, we may share your information with the following entities, under strict confidentiality agreements:

• Credit bureaus (for credit checks and reporting)

• Payment processors and banking partners (for loan disbursements and repayments)

• Regulatory authorities (for compliance with law)

• Auditors and professional advisors (for internal governance and reporting)

• Third-party service providers (for IT, hosting, or communications support)

All third parties are required to maintain data security and use your information only for authorised purposes.

7. Cookies and Website Analytics

Our website uses cookies to improve user experience and monitor website performance.
Cookies allow us to:

• Remember your login preferences

• Track website traffic and usage statistics

• Personalise your browsing experience

You may disable cookies in your browser settings, though this may affect functionality.

We also use analytics tools (such as Google Analytics) to understand user behaviour, with data anonymised wherever possible.

8. Retention of Data

We retain personal and financial information only as long as necessary to:

• Fulfil our contractual obligations

• Comply with regulatory requirements (e.g., for audit and reporting)

• Resolve disputes and enforce agreements

When data is no longer required, it is securely deleted or anonymised in accordance with POPIA standards.

9. Your Rights as a Data Subject

Under POPIA and GDPR, you have the right to:

• Access your personal data held by PienaarBank

• Request correction of inaccurate or outdated information

• Request deletion of data no longer necessary

• Withdraw consent for processing where applicable

• Object to direct marketing or automated decision-making

Requests can be made via email to:
📧 privacy@pienaarbank.com

We will respond to all verified requests within 21 working days.

10. International Data Transfers

In cases where we transfer data outside South Africa, we ensure:

• The receiving country or service provider upholds data protection standards equal to or greater than POPIA.

• Data transfers are performed under binding agreements and secure channels.

11. Marketing Communications

You may receive marketing or service updates via email, SMS, or WhatsApp.
You can opt out at any time by following the “unsubscribe” link or emailing privacy@pienaarbank.com.
We will honour all opt-out requests promptly.

12. Links to Third-Party Sites

Our website may contain links to external websites operated by third parties.
PienaarBank is not responsible for their privacy practices or content.
We encourage you to review their privacy policies when visiting other sites.

13. Updates to This Policy

We may update this Privacy Policy periodically.
Changes will be posted on this page with a revised “Last Updated” date.
Continued use of our website or services after updates constitutes your acceptance of the revised policy.

14. Contact Information

Data Protection Officer
Pienaar Group Executive (Pty) Ltd
📍 Suite 196, 8 Shepherd Market, Mayfair, London W1J 7JY
📧 privacy@pienaarbank.com
☎️ +27 (0)10 123 4567
🌐 www.pienaarbank.com