1.Introduction and Important Information
At Saltera (Pty) Ltd (registration number: 2025/921931/07) (“Saltera”, “we”, “us”, or “our”), we adhere to the highest standards of protecting your personal information when you access, browse, or communicate with us through our corporate website www.saltera.co.za or any related subdomains (collectively, “the Website”).
This Privacy Policy explains how we collect, store, use, and safeguard your personal information in compliance with the Protection of Personal Information Act, No. 4 of 2013 (“POPIA”) of South Africa.
Please read this Privacy Policy carefully to understand how we handle your personal information. By using our Website or contacting us through it, you acknowledge and accept the processing practices described in this policy.
2.Saltera as Holding Entity and Trading Brands
Saltera (Pty) Ltd is a registered credit provider (NCR Registration Number: NCRCP24251). Saltera operates as a parent/holding entity for dedicated credit brands, including Kredomani (www.kredomani.co.za) and Vargo (www.vargo.co.za).
Please Note: This Website (www.saltera.co.za) functions solely as a corporate informational portal. Credit applications, personal loan services, and account registrations are administered strictly on our dedicated brand platforms under their respective privacy policies and terms.
3.Responsible Party and Contact Details
Saltera (Pty) Ltd is the “Responsible Party” (as defined under POPIA) for the personal information collected through this Website.
If you have any questions regarding this Privacy Policy or wish to exercise your legal rights under POPIA, please contact our Information Officer.
Our Contact Details
- Legal entity: Saltera (Pty) Ltd
- Information Officer: Hendrik Christoff Viljoen
- Email address: info@saltera.co.za
- Postal address: 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
- Telephone number: +27 71 301 1094
You have the right to make a complaint at any time to the South African regulator’s office (Information Regulator’s Office of South Africa). We would, however, appreciate the chance to deal with your concerns before you approach any such regulator, so please contact us in the first instance.
Third-Party Links on Website
The Website may include links to third-party platforms, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share information about you. We do not control these third-party platforms and are not responsible for their privacy statements or terms. When you leave our Website, or engage with such third parties, we encourage you to read the distinct privacy policy of every third-party you engage with.
3.1What We Collect About You
This Website serves solely as an informational portal, and we do not process loan applications or maintain user profiles here.
Depending on how you interact with our Website, we may collect:
- Inquiry Data: Name, email, and contact details provided when you submit a form or email us.
- Technical Data: IP address, browser type, and navigation activity collected automatically for analytical and security purposes.
We do not collect sensitive personal data or information from individuals under 18 years of age.
3.2How We Collect Your Personal Information
We collect personal information through:
- Direct Interactions: You may provide us with Contact Data and Communications Data by filling out forms on our Website, emailing us, or contacting our corporate offices.
- Automated Technologies: As you interact with our Website, we automatically collect Technical and Usage Data via cookies, server logs, and analytics tools.
3.3How We Use Your Personal Information
We will only process your personal information for lawful reasons under POPIA, specifically:
- To respond to your corporate inquiries, feedback, or requests;
- To direct your request or inquiry to the relevant brand platform (e.g., Kredomani or Vargo) where applicable;
- To administer, protect, and maintain the functionality, performance, and security of our Website;
- To comply with legal, regulatory, or tax obligations applicable to Saltera as a registered entity;
- For legitimate business interests, provided your fundamental rights do not override those interests.
3.4Disclosures Of Your Personal Information
We may share your personal information with internal and external third parties for the purposes stated above:
- Group Entities & Brands: Authorized personnel within Saltera (Pty) Ltd and its portfolio brands (Kredomani, Vargo) to fulfill your request;
- Service Providers: IT support, website hosting, data analytics, and cloud infrastructure providers acting as operators under strict confidentiality contracts;
- Professional Advisers: Lawyers, auditors, insurers, and bankers providing legal, auditing, or compliance services;
- Authorities: Government agencies, statutory bodies, or law enforcement where required by law.
We require all third parties to respect the security of your personal data and process it in accordance with POPIA. We do not sell your personal data to third parties.
3.5Automated Processing and AI Tools
We may use web analytics, cookies, and automated communication tools (such as automated inquiry routing) to maintain website security, optimize traffic, and streamline communications. We do not make automated financial or credit decisions regarding you on this Website.
3.6International Transfers
Where we utilize cloud storage, software infrastructure, or technical service providers hosted outside South Africa, we ensure that your personal information receives a similar degree of protection by verifying that the recipient country has adequate data privacy laws or entering into standard contractual protection clauses.
3.7Data Security
We have implemented appropriate technical and organizational security measures to protect your personal information against accidental loss, unauthorized access, alteration, or disclosure. Access to your personal information is restricted to authorized employees, agents, and contractors who have a business need to know and are bound by duties of confidentiality.
3.8Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable South African legal, accounting, or regulatory retention periods.
3.9Your Legal Rights
Under POPIA, as a data subject, you have the right to:
- Request access to the personal information we hold about you;
- Request correction or updating of inaccurate or incomplete personal information;
- Request erasure or destruction of your personal information where lawful basis no longer exists;
- Object to the processing of your personal information based on reasonable grounds;
- Request restriction of processing under certain circumstances; and
- Withdraw consent at any time where processing was based on prior consent.
To exercise any of these rights, please contact our Information Officer in writing at info@saltera.co.za.
Changes to This Privacy Policy
Saltera reserves the right to update or amend this Privacy Policy at any time. Any changes will become effective immediately upon being posted on the Website. We recommend checking this page periodically to stay informed of any updates.