Introduction: This website (www.merchantcapital.co.za) (the “website”) provides information about us and our services. It also allows you to request services from us.
Content: The content provided on the website is for information purposes only and should not be considered an offer or advice.
Licence: We grant you a limited licence to use this website.
Online Applications: By completing an online application form, you are inviting us to engage with you in order to ascertain whether or not you qualify for our services. However, please note that you will need to meet our minimum qualifying criteria and enter into our standard services agreement before we will provide any services to you.
Specific Conditions for All Applications:
Intellectual Property: All materials, texts, drawings, graphics, logos, icons and any data made available on the website (“materials”) are owned by Merchant Capital and are therefore protected by both South African and international intellectual property laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the materials or any component thereof will constitute an infringement of such copyright and other intellectual property rights.
Financial Disclaimer: The website does provide nor constitute financial advice and should not be taken as such.
Restrictions: You may not use the website for commercial purposes without our prior written consent. You may not yourself or through a third party use the website for harmful, unlawful or illegal purposes. You may not copy or frame this website or any part thereof. You may not do anything that would compromise the security or integrity of the website.
Own risk: You use this website at your own risk and we make no warranties about it.
Indemnity: You indemnify and hold us harmless against any liability related to your use of the website. Our total liability to you for any and all claims related to the website and your use thereof is R 100. We will never be responsible for any indirect, special or consequential damages.
Changes: Any changes we may make to our terms and conditions in the future will be posted on the website.
Disclosures required in terms of section 43 of the Electronic Communications and Transactions Act 25 of 2002:
Full name: Merchant Capital (Proprietary) Limited
Physical address and address for receipt of service: Baobab House, 32 Impala Rd, Chislehurston, Johannesburg
Telephone no.: 011 217 2880
Website address: www.merchantcapital.co.za
Email address: info@merchantcapital.co.za
Registration number: 2012/217256/07
Country of incorporation: South Africa
Chief Executive Officer: Dov Girnun
Company Secretary: Grant Thornton
Introduction: By enquiring about our products and services or completing the online application form for finance or prospective employment you will be required to provide us with certain personal information. This privacy policy (the “privacy policy”) sets out the information disclosed to us and how we will use it.
Personal information:
We gather the following information about you: (i) Information you give us when you apply for finance, including your full names, identity number, telephone number, email address, business name, business type, average monthly card sales and how long your business has been in operation (ii) Information you give us when you apply for employment, including information about your education, previous work experience (including references from previous employers), biometric information, psychometric and IQ test information, your physical address, and any other information necessary for us to determine your eligibility and suitability for employment with us; (iii) messages that are sent to and from you; (iv) information obtained via Cookies; (v) use of third party payment services; (vi) your usage of the website and our services; (vii) your location information; and (vii) other information related to you or your business. Please note that should further information be required we will notify you via email.
Purpose: We use the information you provide us in order ascertain whether you qualify for our services or to evaluate your application for employment (as the case may be).
How we use the information you provide:
We use the information you provide to:
Storage: We store your personal information securely on servers located in South Africa, Ireland and the United States of America. Your information will be stored for a minimum period of five years or as long as we are legally required to, whichever is longer. Further, should you application not be successful or you fail to repay any loan amount we provide to you, you hereby consent to us storing such information for as long as we deem appropriate in order to use it against any future applications for finance that you may apply for.
Consent: You hereby consent to our use and storage of your personal information for the purpose indicated above.
Security: we strive to ensure the security of personal information you provide to us by taking reasonable measures to prevent the destruction, unlawful access and loss of personal information. Any compromise of data integrity or confidentiality will be reported to you by email.
Disclosure:
We may disclose your personal information in the following circumstances -
Your rights: Subject to certain limitations, you have the right to access, rectify, and erase your information, as well as the right to restrict and object to certain processing of your information. This includes the right to object to our processing of your information for direct marketing. You may exercise these rights by sending us an email at info@merchantcapital.co.za.
Changes:
Any changes we may make to our Privacy Policy in the future will be posted on the website.
Contact: 011 217 2880 or e: info@merchantcapital.co.za
PAIA Manual: You can access our PAIA Manual by clicking here
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