Privacy Policy

Last updated: 2026

homerefinancingguide Proprietary Limited (Pty) Ltd, trading as homerefinancingguide ("we", "us", "our"), is committed to protecting the personal information of individuals who visit our website at homerefinancingguide.com, contact us, or use our services. This Privacy Policy is published in accordance with the Protection of Personal Information Act 4 of 2013 ("POPIA") and explains how we collect, use, disclose, retain and protect personal information, and what rights data subjects have in relation to that information.

1. Responsible Party

For the purposes of POPIA, the "responsible party" in respect of personal information processed through this website is:

We have not appointed a separate Information Officer distinct from the responsible party contact above unless otherwise stated on this website; enquiries regarding this Privacy Policy, including requests to exercise data subject rights, should be directed to the contact details above, which shall be treated as those of our Information Officer for purposes of POPIA and any dealings with the Information Regulator.

2. Personal Information We Collect

We collect personal information directly from you, automatically through your use of the website, and, where applicable, from third parties. The categories of personal information we may process include:

• Identity and contact information: name, surname, email address, telephone number, postal or physical address, job title, and company name, provided when you complete a contact form, request a quote, subscribe to a newsletter, or correspond with us.
• Account and transaction information: where you register for or purchase our services, billing details, order history, and payment confirmation data (note: card details are processed by our payment service provider and are not stored on our servers).
• Technical and usage information: IP address, browser type and version, device identifiers, operating system, referring URLs, pages visited, time and duration of visit, and general location data derived from your IP address, collected via cookies and similar technologies (see our Cookies Policy).
• Correspondence: the content of emails, messages, or other communications you send us, and records of our replies.
• Marketing preferences: your consent status and preferences regarding receipt of marketing communications.

We do not intentionally collect special personal information (as defined in section 26 of POPIA, including race, health, religious or philosophical beliefs, criminal behaviour, trade union membership, biometric information, or sexual life) through this website, and you should not submit such information to us via our contact forms unless specifically requested and necessary.

3. Purposes and Lawful Basis for Processing

In accordance with section 11 of POPIA, we process personal information only where at least one of the following lawful grounds applies:

• Consent: where you have given clear consent for us to process your personal information for a specific purpose, such as subscribing to marketing communications or accepting non-essential cookies;
• Performance of a contract: where processing is necessary to take steps at your request prior to entering into a contract, or to perform a contract to which you are a party, such as fulfilling an order or providing a requested service;
• Legal obligation: where processing is necessary to comply with an obligation imposed by law, including tax, accounting, and record-keeping obligations under South African legislation;
• Legitimate interests: where processing is necessary for our legitimate interests, or those of a third party, such as improving our website and services, preventing fraud, and ensuring network and information security, provided such interests are not overridden by your interests, fundamental rights and freedoms.

Specific purposes for which we process personal information include: responding to enquiries submitted via our contact form; providing, administering and improving our services; processing payments and maintaining financial records; sending service-related communications; sending marketing communications where you have opted in; analysing website usage to improve functionality and content; complying with legal and regulatory obligations; and detecting, preventing and investigating fraud or security incidents.

4. Contact Form and Direct Communications

Where you submit information through our website's contact form, we collect the personal information you voluntarily provide (typically your name, email address, telephone number, and the content of your message) for the purpose of responding to your enquiry and, where relevant, entering into further correspondence or a contractual relationship with you. This information is stored securely and is not used for any purpose incompatible with the purpose for which it was collected, unless you separately consent to further use, such as marketing.

5. Cookies and Similar Technologies

Our website uses cookies and similar tracking technologies, categorised as strictly necessary, analytics, and marketing cookies, to operate the site, understand how visitors use it, and, where consented to, deliver relevant marketing. Full details of the cookies used, their purposes, duration, and how to manage or withdraw your consent are set out in our separate Cookies Policy, which forms part of this Privacy Policy by reference.

6. Disclosure of Personal Information

We do not sell personal information. We may disclose personal information to the following categories of recipients, subject to appropriate safeguards:

• service providers and operators who process personal information on our behalf in terms of section 20 of POPIA, including website hosting providers, IT support providers, email service providers, payment processors, and analytics providers, under written agreements requiring them to maintain confidentiality and appropriate security measures;
• professional advisors, including auditors, lawyers, and accountants, where necessary for the provision of professional services to us;
• regulatory authorities, government bodies, or law enforcement agencies, where required by law or in response to a valid legal process;
• a prospective purchaser or successor in the event of a merger, acquisition, restructuring, or sale of all or part of our business, subject to confidentiality arrangements.

7. Cross-Border Transfers

Where any of our service providers, including hosting or analytics providers, are located outside South Africa, we take steps required by section 72 of POPIA to ensure that any transfer of personal information to a foreign jurisdiction is subject to adequate levels of protection, whether through the recipient being subject to a law, binding corporate rules, or a binding agreement providing an adequate level of protection substantially similar to POPIA, or with your consent to the transfer.

8. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. As a general rule: contact form enquiries are retained for up to 24 months from last contact unless a longer period is required to resolve a matter; customer and transactional records are retained for a minimum of five years to comply with South African tax and financial record-keeping legislation; marketing consent records are retained until consent is withdrawn and for a reasonable period thereafter to evidence compliance; and website analytics data is retained in accordance with the retention settings described in our Cookies Policy. Once personal information is no longer required, it is securely deleted, destroyed, or anonymised.

9. Security Measures

In accordance with section 19 of POPIA, we have implemented appropriate technical and organisational measures to secure the integrity and confidentiality of personal information in our possession or under our control, including access controls, encryption of data in transit, secure hosting infrastructure, staff confidentiality obligations, and periodic review of our security measures to guard against loss, unauthorised access, interference, modification, destruction, or disclosure of personal information.

10. Data Subject Rights

Subject to applicable exceptions and limitations under POPIA, you have the right to:

• be notified that personal information about you is being collected, and the purposes of collection;
• access personal information we hold about you, and request confirmation of whether we hold such information;
• request the correction, updating, or deletion of inaccurate, irrelevant, excessive, out of date, incomplete, misleading, or unlawfully obtained personal information;
• object, on reasonable grounds, to the processing of your personal information, including processing for direct marketing purposes;
• withdraw consent to processing at any time, where processing is based on consent, without affecting the lawfulness of processing carried out prior to withdrawal;
• not be subject to a decision based solely on automated processing, including profiling, which affects you in a significant way, without the opportunity to make representations;
• lodge a complaint with the Information Regulator of South Africa if you believe your personal information has been processed unlawfully.

To exercise any of these rights, please contact us at info@homerefinancingguide.com or +27 15 475 4482, or write to us at 42 Landdros Street, 0700 Polokwane, South Africa. We will respond to legitimate requests within a reasonable period, generally within one month, and may request proof of identity before actioning a request to protect against unauthorised disclosure.

11. Complaints to the Information Regulator

If you are not satisfied with our response to a request or complaint, you have the right to lodge a complaint with the Information Regulator of South Africa, whose contact details are as follows:

12. Direct Marketing

In accordance with section 69 of POPIA and, where applicable, the Consumer Protection Act 68 of 2008, we will only send you direct marketing communications by email or SMS if you have consented to receive such communications, or where you are an existing customer and we market similar products or services to you and you have not opted out. You may opt out of marketing communications at any time by using the "unsubscribe" link in any marketing email, or by contacting us at info@homerefinancingguide.com.

13. Children's Information

Our website and services are not directed at children, and we do not knowingly collect personal information relating to children as defined in POPIA without the consent of a competent person, such as a parent or legal guardian. If we become aware that we have inadvertently collected personal information from a child without appropriate consent, we will take reasonable steps to delete such information.

14. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy does not apply to those websites, and we encourage you to review the privacy policies of any third-party site you visit.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. The "Last updated" date at the top of this page indicates when this Privacy Policy was last revised. We encourage you to review this page periodically.

16. Contact Us

For any questions, requests, or concerns regarding this Privacy Policy or our processing of your personal information, please contact us: