PRIVACY & POPIA POLICY
Last updated: 28 August 2026
1. Introduction
Luminso Capital (Pty) Ltd respects your privacy and is committed to protecting personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and other applicable South African laws.
This policy explains what personal information we collect, why we collect it, how it may be used and shared, how we protect it, and the rights available to you.
2. Personal information we may collect
Depending on your interaction with Luminso Capital, we may collect information including:
Name, surname and identity information
Contact details such as cellphone number and email address
Residential and employment information
Income and affordability information
Banking and payment information
Payslips, bank statements and supporting documents
Credit bureau and credit-related information
Loan application, agreement and repayment information
Information required for identity, fraud, affordability and compliance checks
Communications between you and Luminso Capital
We only collect information reasonably necessary for the purpose for which it is required.
3. Why we process personal information
Luminso Capital may process your information to:
Receive and assess loan applications
Verify your identity and contact information
Conduct affordability and credit assessments
Verify income, employment and banking information
Prevent fraud and manage lending risk
Determine eligibility and appropriate loan amounts
Prepare and administer credit agreements
Facilitate repayments and payment mandates
Communicate with applicants and customers
Maintain business and regulatory records
Handle complaints and customer queries
Comply with legal and regulatory obligations
Submitting an application does not guarantee that credit will be approved.
4. Online applications and service providers
Luminso Capital may use authorised third-party service providers to support the lending process.
Our online customer application process may be facilitated through Quinn Pay, which provides loan-management and customer-application technology to Luminso Capital.
We may also use appropriately authorised service providers for identity verification, credit bureau enquiries, affordability assessments, bank verification, payment processing, DebiCheck and communications.
5. Credit bureau and verification checks
Where permitted by law and with the necessary authority or consent, Luminso Capital may obtain information from registered credit bureaus and other verification providers.
This information may be used to assess creditworthiness, affordability, existing credit obligations, identity and fraud risk.
6. Sharing of personal information
We do not sell customers’ personal information.
Where necessary and legally permitted, information may be shared with credit bureaus, identity and verification providers, Quinn Pay and other authorised technology providers, payment providers, banks, professional advisers and regulatory or government bodies where required.
7. Security of personal information
Luminso Capital takes reasonable technical and organisational measures to protect personal information against loss, unauthorised access, misuse, disclosure, alteration or destruction.
Customers should not send sensitive documents such as identity documents, payslips or bank statements through ordinary unsecured communication channels unless specifically instructed through an approved secure process.
8. Retention of information
Personal information will be retained only for as long as necessary for the purpose for which it was collected, or for longer where retention is required by law, regulation, contractual obligations, dispute resolution or legitimate record-keeping requirements.
9. Your rights
Subject to POPIA and other applicable laws, you may have the right to:
Ask whether Luminso Capital holds personal information about you
Request access to your personal information
Request correction of inaccurate information
Request deletion or destruction where legally permitted
Object to certain processing in appropriate circumstances
Withdraw consent where processing is based on consent
Lodge a complaint regarding the processing of your personal information
10. Direct marketing
Where Luminso Capital sends direct marketing communications, we will do so in accordance with applicable law.
You may request that marketing communications stop by using the opt-out mechanism provided or by contacting us.
11. Cookies and website information
Our website may use cookies or similar technologies necessary for website functionality, security, analytics or user experience.
12. Links to third-party platforms
The Luminso Capital website may link to third-party platforms, including our designated online customer application portal.
Third-party platforms may operate under their own terms and privacy notices.
13. Information Officer and privacy enquiries
For privacy-related questions, requests or concerns, contact:
Information Officer: Mncedisi Mtimkulu
Organisation: Luminso Capital (Pty) Ltd
Email: [email protected]
Website: luminsocapital.co.za
Telephone: +27 73 516 0428
Information Officer registration details will be updated once registration with the Information Regulator has been completed or confirmed.
14. Complaints to the Information Regulator
If you believe your personal information has been processed unlawfully, you may lodge a complaint with the Information Regulator of South Africa in accordance with its procedures.
15. Changes to this policy
Luminso Capital may update this Privacy & POPIA Policy from time to time to reflect changes in its operations, technology, service providers or legal requirements.
The latest version published on this website will apply from the date stated above.