Last updated: 15 July 2026
1. Introduction
Just Bridge (Pty) Ltd ("Just Bridge", "we", "us" or "our") respects your right to privacy and is committed to protecting the personal information of data subjects in accordance with the Protection of Personal Information Act, 4 of 2013 ("POPIA").
This Privacy Policy explains how we collect, use, store, disclose and protect personal information when you visit our website, apply for a loan, or otherwise engage with us as a provider of consumer lending solutions.
2. Who is the Responsible Party?
Just Bridge (Pty) Ltd is the responsible party as contemplated in POPIA.
3. Information Officer
For any privacy-related queries, access requests, objections or complaints, please contact our Information Officer using the details above, marked for the attention of the Information Officer.
4. What Personal Information We Collect
Depending on your interaction with us, we may collect and process the following categories of personal information:
4.1 Website related information
- IP address
- Browser type and version
- Device type and operating system
- Date and time of access
- Pages visited and referring URLs
4.2 Application and account information
- Full name, identity number and contact details
- Employment, income and affordability information
- Banking details necessary for loan disbursement and debit order collection
- Credit bureau information obtained in the course of assessing and managing your loan
4.3 Communication records
Records of calls, SMSes, WhatsApp messages, emails and other correspondence relating to your loan application or account, including communications regarding arrears.
5. How We Collect Personal Information
We collect personal information:
- Directly from you (e.g. via a loan application, contact form, WhatsApp, email, or phone call);
- Automatically when you use our website (via cookies and server logs); or
- From registered credit bureaux and other lawful sources, for the purposes of assessing and managing your loan account.
6. Purpose of Processing Personal Information
We process personal information for purposes including but not limited to:
- Assessing loan applications and conducting affordability and creditworthiness assessments;
- Administering and managing your loan account, including disbursement and repayment;
- Managing arrears and conducting collections on overdue accounts;
- Reporting to registered credit bureaux, as required or permitted under the National Credit Act;
- Complying with legal and regulatory obligations, including under the NCA and POPIA;
- Operating and maintaining our website; and
- Ensuring the security and integrity of our systems.
7. Lawful Basis for Processing
We process personal information in accordance with POPIA only where processing is lawful, including where:
- Processing is necessary to perform or conclude a credit agreement with you;
- Processing is required by law, including the NCA;
- Processing is necessary for a legitimate interest of Just Bridge or a third party; or
- Consent has been obtained where required.
8. Credit Bureau Reporting
As a registered credit provider, Just Bridge reports both positive and negative payment behaviour to registered credit bureaux, in accordance with the National Credit Act. This may affect your credit profile and your ability to obtain credit elsewhere.
9. Cookies and Website Analytics
9.1 Cookies
- Our website may use cookies to enhance functionality, security and performance.
- Cookies are small text files stored on your device.
- You may control or disable cookies through your browser settings. Disabling cookies may affect website functionality.
9.2 Analytics
We may use website analytics tools to understand website usage trends. Information collected is used in aggregated form and, where reasonably practicable, anonymised.
10. Disclosure of Personal Information
We may disclose personal information to:
- Authorised operators, service providers or contractors acting on our instructions;
- Registered credit bureaux, in accordance with the National Credit Act;
- Attorneys, debt collectors or other agents appointed to recover arrear amounts;
- Regulatory or governmental bodies, including the National Credit Regulator, where required by law; or
- Any party where disclosure is legally mandated or permitted, including courts and the sheriff of the court.
11. Retention of Personal Information
We retain personal information only for as long as necessary for the purpose for which it was collected, unless retention is required or permitted by law, or is necessary for lawful business purposes.
12. Security Safeguards
Just Bridge implements appropriate technical and organisational measures to protect personal information against unauthorised access, loss or damage, and misuse or unlawful processing. These measures include access controls, secure systems, policies, training and contractual safeguards.
13. Data Subject Rights
As a data subject, you have the right to:
- Request confirmation whether we hold personal information about you;
- Request access to your personal information;
- Request correction or deletion of inaccurate or excessive information;
- Object to the processing of your personal information on reasonable grounds;
- Lodge a complaint with the Information Regulator.
Requests may be directed to us using the contact details above.
14. Complaints to the Information Regulator
If you believe that we have not complied with POPIA, you may lodge a complaint with:
15. Changes to this Privacy Policy
We reserve the right to update this Privacy Policy from time to time. The latest version will always be available on our website.
