Fees and interest can make credit expensive, especially if you borrow more than you can afford. Our loans are best when used to pay for an unexpected expense like a medical bill or car repairs. It can help you get back on the road and gives you time to work the expense into your budget.
If you are over-indebted, consider applying for debt counselling. You can find a registered debt counsellor near you here: www.ncr.org.za
If in doubt, seek advice before making any decisions.
TERMS AND CONDITIONS OF USE ("WEBSITE TERMS")
Users may lodge complaints concerning the Cobol website with Cobol at 021-4218811, or via email@example.com.
Cobol has developed its privacy practices in line with the South African draft bill on the Protection of Personal Information, the Canadian Standards Association’s Model Code for the Protection of Personal Information as well as the U.S.-E.U. Safe Harbor principles. A complete copy of the Model Code is available at http://www.csa.ca/standards/privacy/. More information about the U.S. Department of Commerce Safe Harbor Program can be found at http://www.export.gov/safeharbor/.
Certain services are linked with those linked sites, some which offer you the option to share with both Cobol and the third party personal data you provide. However, Cobol will not share your personal information with those linked sites unless you make that choice.
Types of information collected
When you register on the Cobol website we need to collect certain information about you in order to provide you with the services you have requested. This information may include, but is not limited to:
Once you choose to register with Cobol and provide us with personal information, it will be used for the purposes of providing you with the requested service and in conformity with the provisions of the Electronic Communications and Transactions Act 25/2002. We respect your privacy and undertake not to sell, rent or lease your personal information to others.
Certain non-personal information may be collected while you are using the website. This will comprise of data about usage and service operation that is not associated with a specific personal identity. Cobol may collect and use this non-personal information to evaluate how the Cobol website is being used.
Technologies may vary, but in many cases may involve a small file stored locally on the computer used to access the Cobol website, and may be used to store and collect information relating to your viewing and use of the Cobol website. Information collected through cookies is used to create a profile of our users. A profile is stored information we keep on individual users that details their preferences, their use and request history and behavioral activity, and can minimise the need for you to re-enter information.
Cobol may collect your computer’s IP (Internet Protocol) address and domain name address, the identity of your Internet service or access provider, the type of web browsing software you use, your computers operating system, the URL of the web page from which you came to visit our website and the language you selected for your web browsing software (collectively referred to herein as clickstream data). We use these technologies to identify our users, to help diagnose problems with our server, and to administer the Cobol website and the services offered thereon.
Cobol needs and uses your personal information to provide you with the services you request and to help us better understand your needs and interests in the future. Specifically, Cobol uses your information to help you complete and provide the services you have requested. Sensitive personal information if collected will only be used if you choose to allow us to do this in terms of your personal preferences options and will be shared only with your express permission.
Personal data given to Cobol may be transferred across state and country borders for the purposes of data consolidation, storage and simplified customer information management.
How Cobol will share your information and with whom?
Cobol will not share your personal information with third parties except in responding to your requests for products or services. Your permission will be requested when you submit your information.
Cobol may partner with other organizations who may provide you with the services requested through the Cobol website. These partner organisations are required to keep confidential the information received on behalf of Cobol and may not use it for any purpose other than to carry out the services they are performing for Cobol. Cobol will not share personal information with any other third parties without your permission, unless required by law enforcement action, subpoena, or local law.
Cobol will not use your personal information for a different purpose than the one stated when you provided your data. Examples of unrelated uses include sending communications about updated information, new services and marketing messages. You can, however, choose to receive these types of non-subscription communications, if applicable, by ticking the box when you register.
Data Access, accuracy, amendments, retention and opting out
Cobol will try to keep your personal information accurate. We will provide you with access to your information, including making reasonable efforts to provide you with online access and the opportunity to change your information, if possible. To protect your privacy and security, when doing so we will also take reasonable steps to verify your identity, such as a password and user ID, before granting access to your data.
Upon request, Cobol will:
To request a correction or cancellation, send an e-mail to the address provided to you at registration for this purpose.
Cobol undertakes to take all reasonable measures to protect the information you provide us. These measures include, but are not limited to preventing unauthorised access or disclosure, maintaining data accuracy, and ensuring the appropriate use of the information. Cobol has in place reasonable physical and managerial procedures to safeguard the information we collect.
Changes to this statement
Law and jurisdiction
Acceptance of policy