Effective Date: 31/May/2025
This Privacy Statement applies to:
- Merchants and employees using our tipping payout and credit solutions
- Visitors to our website (www.zutofinance.co.za)
- Users of our mobile application and digital services
We may collect and process the following categories of personal information:
- Identification and contact details: name, ID/passport number, phone number, email, address
- Employment and earnings data: tip history, employment status, employer details
- Device and usage information: IP address, browser type, access times, and usage activity
- Financial and transactional information: bank account details, credit application data, loan performance
- Location data: for location-based filtering and analytics within our mobile app (if permitted)
We use personal information to:
- Manage tip payouts and associated financial processing
- Provide employees with access to microcredit and savings features
- Assess loan eligibility using real-time tip earnings
- Authenticate users and secure access to our services
- Communicate updates, service messages, and regulatory notices
- Improve our products, customer support, and platform analytics
We process personal data under the following legal bases:
- With your consent
- To perform a contract with you
- To comply with legal obligations (e.g., FICA, NCR)
- To protect our legitimate business interests
We may share your information with:
- Regulatory bodies (e.g., NCR, FIC, SARS) for compliance
- Payment processing partners and financial institutions
- Credit bureaus for risk scoring and reporting
- Service providers (e.g., cloud hosting, analytics) under strict confidentiality
- Our affiliates and business partners involved in tipping and credit services
We will not sell your data to third parties.
We implement appropriate technical and organizational measures to protect your information from loss, misuse, or unauthorised access.
- Data is encrypted in transit and at rest.
- Access is restricted based on roles and responsibilities.
- We retain personal data only as long as necessary to fulfil our purposes or as required by law.
You have the right to:
- Access and request a copy of your personal data
- Correct or update inaccurate information
- Object to the processing of personal information in certain circumstances
- Withdraw your consent where applicable
- Lodge a complaint with the Information Regulator
Requests should be submitted to: privacy@zutofinance.co.za
Our website and app may use cookies and similar technologies to:
- Enhance your user experience
- Analyze usage trends and site performance
You can manage cookie settings via your browser preferences.
We may update this Privacy Statement from time to time. Updates will be published on our website and communicated via email or in-app notification when material changes occur.
If you have any questions about this Privacy Statement or your personal information, please contact:
Zuto Finance (Pty) Ltd
Reg. No: 2025/231472/07
Email: privacy@zutofinance.co.za
Website: www.zutofinance.co.za
