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Privacy · POPIA

Privacy policy

How Vantipay (Pty) Ltd, trading as VantiPay, collects, uses and shares personal information, in line with the Protection of Personal Information Act (POPIA).

Effective 12 November 2026

Who we are

Vantipay (Pty) Ltd, trading as VantiPay, is a South African company (registration number 2026/747642/07). We provide loan management software, Credit Engine and VantiScan, and we operate the website vantipay.co.za.

For personal information collected through this website, our contact and demo forms, Facebook and Instagram lead forms, and WhatsApp messages you send us, Vantipay (Pty) Ltd is the responsible party under POPIA.

You can reach us at:

Giving us information through the website is voluntary. The contact form marks the fields we need in order to reply. If you leave those out, we cannot respond to that enquiry.

Information Officer

POPIA requires a responsible party to have an Information Officer. Our Information Officer is Jean Paul Crain.

Contact Jean Paul Crain about this policy or your personal information at info@vantipay.co.za, on 010 824 7022, or by writing to the office address above. Mark the message “POPIA request”.

What personal information we collect

We collect only what we need for the purposes below. This website is not aimed at anyone under 18, and we do not knowingly collect children’s personal information through it.

Website contact and demo forms

If you use the form on our contact page, we collect the details you enter:

  • your name
  • your business name, if you give it
  • your email address
  • your phone number, if you give it
  • whether you want a quote, a demo, or a general reply
  • which product you are asking about
  • the message you write

The form is sent to info@vantipay.co.za through FormSubmit (formsubmit.co). FormSubmit receives the submission so it can deliver that email to us.

Meta, Facebook and Instagram lead forms

If you submit an instant form on a VantiPay advert on Facebook or Instagram, we receive the fields you filled in. That is usually your name, email address, phone number, and your answers to the questions on that form. Meta also tells us when the form was submitted and which form it came from.

Meta’s own use of your information is covered by Meta’s privacy policy, not by this one. We use the copy Meta sends us as described here.

WhatsApp

If you message VantiPay on WhatsApp at 073 442 4385, we receive the mobile number you use, the name on your WhatsApp profile, and the content of the messages and files you send. WhatsApp, which is part of Meta, carries those messages. WhatsApp’s own rules are in the WhatsApp privacy policy.

Please do not send identity numbers, bank statements, payslips or special personal information (such as health information) through the website form or WhatsApp. If you do, we use it only to deal with that message, and we delete it when we no longer need it for that purpose.

Technical data when you open a page

When you load a page, the services that host and deliver the site receive the technical data a web server normally receives: your IP address, the date and time, the page address, and the browser type. We use this to serve the page and to keep the site reliable. We do not use it to build a marketing profile of you.

This website does not run a website analytics product. It does not set its own cookies. Your browser does request the Inter typeface from Google Fonts. See the cookie policy for what is stored in your browser, and for the Meta Pixel we may add later. That pixel is not installed. If we add it, it loads only after you accept on the cookie banner.

Information inside the software

A business that uses the loan management system, Credit Engine or VantiScan may store its own clients’ personal information in that software, such as identity details, income, or loan records. For that information, the customer is generally the responsible party. Vantipay (Pty) Ltd processes it as an operator, on the customer’s instructions, under the signed service agreement.

This website policy does not replace that agreement, and it does not replace the customer’s own duty to its clients under POPIA. Questions about a loan or a credit decision should go to the business you dealt with.

Why we collect it

  • To reply to demo requests, quote requests and other enquiries, and to arrange a demo you asked for.
  • To send service messages about a product you use, such as a reply to a support request.
  • To send marketing about VantiPay’s products where the law allows it, and to stop when you opt out.
  • To keep a record of an opt-out so we do not market to you again.
  • To deliver this website and protect it from misuse.
  • To measure our adverts, only if you accept marketing cookies and only if a Meta Pixel is later switched on.

We do not use information from this website to make a credit decision about you. We do not sell personal information.

Lawful basis

POPIA section 11 says we may process personal information only when a lawful basis applies. The basis depends on why we are using the information.

  • You asked us to contact you. When you send a contact form, ask for a demo or a quote, submit a Meta lead form, or message us on WhatsApp, we process the information to do what you asked. That is a step you requested before any contract, and it is also your consent to be contacted about that enquiry.
  • A contract. If you become a customer, we process the information we need to provide the software under the signed agreement.
  • Consent. Marketing cookies, including a future Meta Pixel, run only if you press Accept on the cookie banner. You can withdraw that consent with Decline, or by clearing this site’s data in your browser. See the cookie policy.
  • Direct marketing. We send marketing by email, phone or WhatsApp only with your consent, or where POPIA section 69 allows contact with an existing customer about similar products. Every marketing message tells you how to opt out. If you opt out, we stop, and we keep a short record so we can honour the opt-out.
  • Legitimate interests. We keep a record of an enquiry, secure the website, and see which advert a lead came from, where those interests are not overridden by your rights. You may object.
  • A law. We keep information where a statute, a regulator, or a legal claim requires it.

You may withdraw consent at any time. Withdrawal does not undo processing that was already lawful. If we have another lawful basis, we may continue for that reason, and we will tell you if you ask.

Who we share it with

We do not sell personal information. We do not share it with data brokers. We share it with service providers who process it for us, and only for the reasons in this policy:

  • Hosting and delivery. This website is hosted on Render and delivered through Cloudflare, so those providers can serve the pages you request.
  • Form delivery. FormSubmit receives contact-form submissions and emails them to info@vantipay.co.za.
  • Email. The provider that hosts our vantipay.co.za mailboxes stores those messages so our staff can read them and reply.
  • Meta. If you submit a Facebook or Instagram lead form, Meta holds the information and sends us a copy. If you message us on WhatsApp, Meta carries the message. A Meta Pixel is not installed. If we add one later, Meta would receive information about pages you view only after you accept cookies.
  • Google. Your browser requests font files from Google Fonts. We do not receive an analytics report from Google.

People who work with us see enquiry information only where they need it to answer you or to run the service, and only for that purpose.

We may also disclose information if the law requires it, if we need to protect our rights or someone else’s safety, or if the business is sold or restructured. A buyer would have to honour this policy for the information they receive.

Cross-border transfers

Some of these providers process information outside South Africa. Render, Cloudflare, Meta and Google operate internationally, including in the United States. FormSubmit, and the provider that hosts our email, may also process a message outside South Africa in order to deliver it.

We transfer personal information across a border only where section 72 of POPIA allows it. That includes where the recipient is bound by a law, binding corporate rules or a contract that provides protection comparable to POPIA, where the transfer is needed to do something you asked for, or where you have consented.

How long we keep it

We keep personal information only for as long as we need it for the purpose we collected it, or for as long as a law, a dispute or a contract requires.

  • Enquiries, demos, Meta leads and WhatsApp messages. For as long as we are dealing with the conversation, and for a follow-up period after the last message. When the enquiry is finished and we have no continuing reason to hold it, we delete it or reduce it so that it no longer identifies you.
  • Marketing opt-outs. For as long as we need the record to honour the opt-out.
  • Customer records about the software. For the term of the signed agreement, and afterwards for as long as that agreement or the law requires.
  • Cookie choice. On your own device, until you change it or clear this site’s data. We do not receive a copy on our server. See the cookie policy.
  • Connection logs held by the hosting providers follow those providers’ own log retention. We do not use them for marketing.

Security

We take reasonable steps, appropriate to the information, to protect it against loss, unauthorised access and misuse. Those steps include an encrypted connection (HTTPS) on this website, and limiting who can read enquiry emails and lead records.

No method of sending or storing information is completely secure. We do not claim that this website or the software cannot be compromised. Do not send passwords, bank statements or identity documents through the website form or WhatsApp.

Security arrangements for information stored inside the software products are dealt with in the product and in the signed agreement. This policy does not describe those controls in technical detail.

Your rights under POPIA

You have the right to:

  • Access the personal information we hold about you, and to ask for a copy (section 23).
  • Correction of information that is inaccurate, incomplete, misleading, out of date, excessive, or obtained unlawfully (section 24).
  • Deletion of information we no longer have a lawful reason to keep. Where a law or a legal claim requires us to keep it, we will tell you and will limit how it is used.
  • Object to processing, including processing for direct marketing (section 11(3)).
  • Withdraw consent where we rely on consent, including cookie consent and consent to marketing.

To use these rights, email info@vantipay.co.za with the subject “POPIA request”. Tell us what you are asking for, and give us the name and the email address or phone number you used so we can find the right record. You may also phone 010 824 7022 or write to the office address above.

We may ask for enough information to confirm we are dealing with you, so we do not hand your information to someone else. We will respond as soon as reasonably possible. There is no fee for an ordinary request. We may refuse a request where the law allows us to, or charge a reasonable fee where a request is manifestly unfounded or excessive. If we refuse, we will explain why and remind you that you can complain to the Information Regulator.

Complaints to the Information Regulator

If you are unhappy with how we handle your personal information, please tell us so we can try to put it right. You do not have to contact us before you complain to the Regulator.

You may lodge a complaint with the Information Regulator of South Africa under POPIA:

Changes to this policy

We may update this policy. The new version will be posted on this page with a new effective date. This version is effective 12 November 2026.

The terms and conditions cover use of the website and the software. The cookie policy covers cookies and the consent banner.

Contact

Information Officer: Jean Paul Crain
Privacy requests: info@vantipay.co.za
Phone: 010 824 7022
Midrand Business Park, 563 Old Pretoria Rd, Halfway House, Midrand, 1685, South Africa