Privacy Policy


Privacy Policy

Your privacy is very important to the Kganya Group of companies. Accordingly, we have developed this policy for you to understand how we collect, communicate, and use any personal information that you submit to us.


We collect and receive information about you in the following ways:

1.1 Information you give us This includes any information that you provide to us directly:

1.1.1. when you sign-up to utilise our services;
1.1.2. by filling in forms provided to you; when you complete a survey; or
1.1.3. when you contact us, or we contact you and you provide information directly to us.

1.2. What personal information we collect

1.2.1. When you register to use our services, you will be required to provide us with the following information, your – name and surname; contact number and email address; physical address; identity and/or passport number; and date of birth.

1.3. Information we collect or receive when you use our website We collect information when you use the Kganya website by using cookies, web beacons and other technologies. Depending on how you access and use websites, we may receive:

1.3.1. Log information;
1.3.2. Information we infer about you based on your interaction with products and services;
1.3.3. Device information (for example the type of device you’re using, how you access platforms, your browser or operating system and your Internet Protocol (“IP”) address);
1.3.4. Location information.

1.4. Information from third-party sources We may receive additional information about you that is publicly or commercially available and combine that with the information we have collected or received about you in other ways.


We use the information we collect and receive from you, for the following general purposes:

2.1. to provide you with information, products or services you request from us;
2.2. in order to refer you to an appropriate third-party service provider;
2.3. to communicate with you;
2.4. to provide you with support; and
2.5. to provide effective communication to you with regards to Kganya news and general information about other goods, services which Kganya offers, that are similar to those that you have already utilised or enquired about.


3.1. We do not sell your personal information to third parties for their marketing purposes.
3.2. We may share your information with:

3.2.1. we may disclose your personal information to a limited number of our employees and third party service providers (other than those who we refer you to), who we assist you to interact with;
3.2.2. our business partners. We may share non-personally identifiable information with select business partners;
3.2.3. other parties in response to legal process or when necessary to conduct or protect our legal rights;
3.2.4. companies that provide services to us. Companies that provide services to us or act on our behalf may have access to information about you. These companies are limited in their ability to use information they receive in the course of providing services to us or you; and
3.2.5. third-parties where you provide consent. In some cases, third-parties may wish to attain information about you in order to promote their products to you, or for whatever other reason. We may share information with third-parties where you provide consent in the form of an explicit opt-in. Before we ask you to opt-in, we will endeavour to provide you with a clear description of what personal information would be shared with the third-party. Remember that once you have opted in to allow us to send your information to the third-party, we cannot control what they do with your personal information; therefore, be sure to investigate their privacy policies before providing permission for us to share your information.


4.1. You have the right to ask us not to contact you for marketing purposes. You can exercise this right at any time by using any of the various “opt-out” options that we will always provide to you when we communicate with you. We will not send you marketing messages if you tell us not to but we will still need to send you service-related messages.
4.2. Our websites use cookies. If you wish to reject our cookies, you can configure your browser to do so.
4.3. We want to make sure that any personal information we hold about you is up to date. So, if you think your personal information is inaccurate, you can ask us to correct or remove it.


We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy or to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.


The security of your personal information is important to us. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. However, we do employ a number of safeguards intended to mitigate the risk of unauthorized access or disclosure of your information. We will do our best to protect your personal information and we will use up to date technology that will help us to do this. We will at all times comply with our obligation under applicable law.


7.1. We are based in and operate from South Africa. Your information, including personal information, may be transferred to and maintained on servers located outside of your country of residence, where the data privacy laws, regulations and standards, may not be equivalent to the laws in your country of residence.
7.2. We might transfer your personal information to places outside of South Africa and store it there, where our suppliers might process it. If that happens, your personal information will only be transferred to and stored in country that has equivalent, or better, data protection legislation than South Africa or with a service provider which is subject to an agreement requiring it to comply with data protection requirements equivalent or better than those applicable in South Africa.
7.3. Your use of our website, followed by your submission of information to us, represents your consent to such transfer.
7.4. We will take all steps reasonably necessary to ensure that your personal information is treated securely and in accordance with this privacy policy.


Our website may contain links to and from websites, mobile applications or services of third parties, advertisers or affiliates. Please note that we are not responsible for the privacy practices of such other parties and advise you to read the privacy statements of each website you visit which collects personal information.


We may update this privacy policy from time to time. Any changes that we may make to our privacy policy will be posted on our website and will be effective from the date of posting.


10.1. You may at any time request:
10.1.1. confirmation that we hold your personal information;
10.1.2. access to your personal information;
10.1.3. the identities or categories of third parties to whom we have disclosed your personal information; or
10.1.4. that we correct or delete any personal information that is incomplete, misleading, inaccurate, excessive or out of date.

Requests may be made in writing to christellea@kganya.co.za

Cookie Policy

What are cookies and why do we use them?

We might use cookies and other techniques such as web beacons when you visit our website.  “Cookies” are small text files used by us to recognise repeat users, facilitate your on-going access to and use of our website and allow us to track your usage behaviour and compile aggregate data that will allow us to improve the functionality of our website and content.  “Web beacons” are small, clear picture files used to follow your movements on our website.  For example, storing your preferred settings for the next time you visit.

The information we collect from cookies enables us to:

  • tailor our websites to your personal needs;
  • remember the notifications that you have been shown, so that you are not shown them again;
  • help us find information once you have logged in;
  • make improvements and updates to our websites based on the way you want to use them; and
  • we generally do not use cookies to identify you personally, to clarify the type of information collected by cookies is not used to personally identify you.

What kind of cookies do we use?

We use the following categories of cookies:

Category 1: Necessary Cookies

Necessary cookies enable you to use our websites and all its features, such as enabling access to secure areas of the website.  Without these cookies you may not be able to use all the features of our websites.

Category 2: Performance Cookies

Performance cookies collect information about how you use our websites so we can improve them for you in future.  For example, they collect information on which pages you visit most often and any error messages you may get.  The information collected by these cookies is anonymous.  They do not collect any information that can identify you personally.

How can you manage your cookie settings?

To ensure you get the best possible experience when visiting our websites, we recommend that you accept cookies.  However, you can opt-out of each cookie category (except strictly necessary cookies) by clicking on the “cookie settings” button or disable cookies in your web browser.

Cookies may, however, be necessary to provide you with certain features available on our website.  If you disable cookies, you may not be able to use these features, and your access to our website will be limited.


For any questions with regards to Kganya’s Cookie Policy, please contact the Information Officer:

C Ahlers

Welcome to our website! Authorised Financial Services Provider, FSP 7974.