Privacy Policy

1. About Pickle

Pickle (Pty) Ltd operates a finance comparison platform designed to help South African consumers compare vehicle finance and home loan opportunities from participating lenders.

Pickle is not a bank and does not itself provide credit or finance. Applications submitted through Pickle may be shared with participating lenders for assessment and consideration.

2. Information We Collect

Depending on the product and application, we may collect information including:

• Full name and surname
• South African identification information
• Date of birth
• Contact details
• Email address
• Residential and employment information
• Income and financial information
• Existing financial commitments
• Vehicle or property information
• Supporting documents submitted during an application
• Digital signatures and consent records
• Information required by participating lenders

We may also collect technical information such as browser type, device information, IP address and website usage information.

3. How We Use Your Information

We may use your information to:

• Process and manage your application
• Match your application with participating lenders
• Submit relevant information to participating lenders
• Facilitate finance comparisons
• Communicate with you about your application
• Provide application status updates
• Communicate lender offers or outcomes
• Administer qualifying cashback rewards
• Improve our website and services
• Prevent fraud and misuse
• Maintain appropriate records
• Meet legal and regulatory obligations

4. Sharing Your Information

Where you submit a finance application, you authorise Pickle to share relevant information with participating lenders and service providers involved in processing or facilitating your application.

A lender may independently assess your application and may request additional information or supporting documentation. Lenders remain responsible for their own credit assessment and lending decisions.

We may also disclose information where required or permitted by applicable law, regulation, court order or lawful governmental request.

5. Lender Decisions

Pickle does not guarantee that an application will be approved or that a particular interest rate, repayment, finance amount or cashback amount will be available.

Finance decisions are made by the relevant lender based on its own assessment criteria, policies and applicable legislation.

6. Consent

By submitting an application through Pickle, you provide the consents and permissions presented during the application process, including where applicable consent for your information to be shared with participating lenders.

You should read the relevant consent notices carefully before submitting an application.

7. Marketing Communications

Where you have provided the appropriate marketing consent, Pickle may contact you with information about products, services, promotions or relevant financial opportunities.

You may request that marketing communications stop at any time, subject to applicable legal requirements.

8. Security

Pickle takes reasonable technical and organisational measures to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

However, no internet-based system can be guaranteed to be completely secure.

9. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including legal, regulatory, accounting and operational requirements.

10. Your Rights

Subject to applicable law, you may have rights relating to your personal information, including the right to request access to information we hold about you and to request correction of inaccurate or incomplete information.

You may also have the right to object to certain processing or request deletion where legally applicable.

11. Cookies

Pickle may use cookies and similar technologies to operate the website, remember preferences, understand website usage and improve the user experience.

More information is available in our Cookie Policy.

12. Third-Party Services

Pickle may use trusted third-party technology and service providers to operate the platform, securely store information, process applications, communicate with users and provide other operational services.

These providers may process information on our behalf and are expected to handle information in accordance with applicable security and privacy requirements.

13. Changes to This Policy

Pickle may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements or business practices.

The updated version will be published on this page with a revised effective date.

14. Contact Us

If you have questions about this Privacy Policy or how Pickle handles your personal information, please contact us.