Privacy Policy

1. What We Collect

We collect only the information necessary to provide you with payday advances, savings, and employer services. This includes:

Identity: Full name, national ID or passport number, date of birth, and contact details (email, phone, address).
Employment: Employer name, payroll schedule, job title, and employment status — verified directly with your employer.
Financial: Salary amount, bank account details for disbursement, and repayment history.
Device: IP address, browser type, and device information for security and fraud prevention.
Communications: Records of WhatsApp, email, and in-app chat conversations with our support team.

      We do NOT collect:
      Biometric data (fingerprints, facial recognition)
Political or religious beliefs
Health or medical information
Credit bureau scores (we build our own internal score)

    

2. How We Use Your Data

To assess your loan eligibility and determine your credit limit
To process disbursements and repayments through your employer's payroll
To send repayment reminders, account updates, and marketing (with your consent)
To detect and prevent fraud, money laundering, and unauthorised access
To comply with FSRA regulatory reporting requirements
To improve our products and services through anonymised analytics

3. Who We Share Data With

We never sell your data. We share it only with:

Your employer: For payroll deduction authorisation and salary verification (only with your signed consent).
FSRA: For regulatory compliance, audit, and reporting (as required by law).
Payment processors: Stripe and DeltaPay for secure transaction processing.
IT service providers: Cloud hosting and security services under strict data-processing agreements.

      Third-party marketing: We do not share your data with third parties for marketing purposes. If you opt in to receive EasiBucks marketing, you will only hear from us.
    

4. Data Retention

We retain your data for as long as necessary to provide our services and comply with legal obligations:

Active accounts: For the duration of your relationship with EasiBucks plus 7 years.
Closed accounts: Minimum 7 years for regulatory compliance (FSRA requirement).
Marketing data: Until you unsubscribe, or 2 years after your last interaction.
Chat logs: 3 years for quality assurance and dispute resolution.

5. Your Rights

Under the Eswatini Data Protection Act and POPIA, you have the right to:

Access: Request a copy of all personal data we hold about you.
Correction: Update inaccurate or incomplete information.
Deletion: Request deletion of your data (subject to regulatory retention limits).
Objection: Opt out of marketing communications at any time.
Portability: Request your data in a machine-readable format.
Complaint: Lodge a complaint with the Eswatini Data Protection Authority or FSRA.

How to exercise your rights: Email privacy@easibucks.com or WhatsApp +268 6744 3377. We respond within 30 days.

6. Cookies & Tracking

We use cookies and similar technologies to:

Keep you signed in (essential)
Remember your preferences (functional)
Analyse site usage to improve our services (analytics)

We do not use cookies for cross-site tracking or targeted advertising. You can manage cookie preferences through your browser settings.

7. Contact Us

Data Protection Officer: privacy@easibucks.com

WhatsApp: +268 6744 3377

Address: Visibitty Pty Limited, trading as EasiBucks, Eswatini

Regulator: Financial Services Regulatory Authority (FSRA) of Eswatini