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​home loan.

Last Updated: February 11, 2026

1. Agreement to Terms

By accessing and using the services of GreenDoor Home Loans, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

2. Services Provided

GreenDoor Home Loans acts as an independent home loan specialist, providing advice and access to multiple lenders. We do not directly provide loans but facilitate connections between clients and financial institutions.

3. Client Obligations

Clients agree to:

• Provide accurate and complete information during the application process
• Respond promptly to requests for additional documentation
• Notify us immediately of any changes to their financial circumstances
• Read and understand all loan documentation before signing

4. Professional Advice

While we provide professional guidance, final lending decisions are made by the financial institutions. We cannot guarantee loan approval or specific terms. Clients are encouraged to seek independent legal and financial advice.

5. Fees and Charges

Our fee structure will be clearly communicated before any services are rendered. Fees may vary depending on the complexity of the application and services required. All fees are subject to applicable taxes.

6. Confidentiality

We are committed to protecting your personal and financial information in accordance with the Protection of Personal Information Act (POPIA). Please refer to our Privacy Policy for detailed information on data handling.

7. Limitation of Liability

GreenDoor Home Loans shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services. Our liability is limited to the fees paid for our services.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Continued use of our services constitutes acceptance of modified terms.

9. Governing Law

These terms shall be governed by and construed in accordance with the laws of South Africa. Any disputes shall be subject to the exclusive jurisdiction of South African courts.

10. Contact Information

For questions about these Terms and Conditions, please contact us at:

Email: [email protected]
Phone: +27 12 345 6789

Last Updated: February 11, 2026

1. Introduction

GreenDoor Home Loans ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services or visit our website.

2. Information We Collect

We collect information that you provide directly to us, including:

• Personal identification information (name, ID number, date of birth)
• Contact information (email address, phone number, physical address)
• Financial information (income, employment details, credit history)
• Property information (property details, purchase price, deposit amount)
• Banking information for loan applications

3. How We Use Your Information

We use the information we collect to:

• Process your home loan applications and provide our services
• Communicate with you about your application and our services
• Submit applications to financial institutions on your behalf
• Comply with legal and regulatory requirements
• Improve our services and customer experience
• Send you relevant information about home loans and financial services

4. Information Sharing and Disclosure

We may share your information with:

• Financial Institutions: Banks and lenders to process your loan applications
• Service Providers: Third-party service providers who assist in our operations
• Legal Requirements: When required by law or to protect our legal rights
• Credit Bureaus: For credit checks and verification purposes

We will never sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

6. Your Rights

Under POPIA, you have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Object to processing of your information
• Lodge a complaint with the Information Regulator

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Financial records are typically retained for a minimum of 5 years as per South African regulations.

8. Cookies and Tracking

Our website uses cookies to enhance your browsing experience. You can control cookie settings through your browser preferences. Some features may not function properly if cookies are disabled.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website with an updated "Last Updated" date.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

Email: [email protected]
Phone: +27 12 345 6789
Information Officer: Available upon request

Last Updated: February 11, 2026

1. Purpose

This Data Protection Policy outlines how GreenDoor Home Loans protects personal information in compliance with the Protection of Personal Information Act (POPIA) and other applicable data protection regulations.

2. Data Protection Principles

We process personal information according to these principles:

• Lawfulness: Processing is done lawfully and fairly with your knowledge
• Purpose Limitation: Data is collected for specific, lawful purposes
• Data Minimization: We only collect what is necessary
• Accuracy: We ensure information is accurate and up-to-date
• Storage Limitation: Data is kept only as long as necessary
• Integrity and Confidentiality: Appropriate security measures are in place
• Accountability: We are responsible for compliance

3. Legal Basis for Processing

We process personal information based on:

• Consent: You have given explicit consent for specific purposes
• Contract: Processing is necessary to fulfill our services
• Legal Obligation: Required by South African law
• Legitimate Interests: For business operations that don't override your rights

4. Security Measures

We implement comprehensive security measures including:

• Encryption of sensitive data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments and audits
• Employee training on data protection
• Secure data backup and disaster recovery procedures
• Physical security of our premises and systems

5. Data Breach Response

In the event of a data breach that poses a risk to your rights and freedoms, we will:

• Notify the Information Regulator within 72 hours
• Inform affected individuals without undue delay
• Take immediate steps to contain and remediate the breach
• Document the breach and our response actions
• Implement measures to prevent future occurrences

6. Third-Party Processing

When we engage third-party processors, we ensure they:

• Provide sufficient guarantees of data protection
• Process data only according to our instructions
• Maintain appropriate security measures
• Are bound by written contracts with data protection clauses

7. International Data Transfers

If we transfer your data outside South Africa, we ensure adequate protection through approved mechanisms such as standard contractual clauses or adequacy decisions.

8. Staff Training and Awareness

All staff members receive regular training on data protection principles, security practices, and their responsibilities under POPIA. We maintain strict confidentiality obligations.

9. Monitoring and Review

We regularly review and update our data protection measures to ensure ongoing compliance with POPIA and best practices. Annual audits are conducted to assess our data protection framework.

10. Contact Our Information Officer

For data protection inquiries or to exercise your rights:

Email: [email protected]
Phone: +27 12 345 6789
Address: Available upon request

Last Updated: February 11, 2026

1. POPIA Overview

The Protection of Personal Information Act (POPIA), Act 4 of 2013, regulates how organizations collect, process, store, and share personal information in South Africa. GreenDoor Home Loans is fully committed to compliance with POPIA requirements.

2. Our POPIA Compliance Framework

We have implemented comprehensive measures to ensure POPIA compliance:

• Appointed an Information Officer responsible for POPIA compliance
• Conducted data protection impact assessments
• Implemented privacy-by-design principles in our processes
• Established clear data processing procedures and policies
• Regular staff training on POPIA requirements
• Maintained comprehensive records of processing activities

3. Your Rights Under POPIA

As a data subject, you have the following rights:

• Right to Access: Request access to your personal information we hold
• Right to Correction: Request correction of inaccurate or incomplete data
• Right to Deletion: Request deletion of your data (subject to legal retention requirements)
• Right to Object: Object to processing of your personal information
• Right to Restriction: Request restriction on how we use your data
• Right to Data Portability: Receive your data in a structured, commonly used format
• Right to Complain: Lodge a complaint with the Information Regulator

4. How to Exercise Your Rights

To exercise any of your rights under POPIA, please contact our Information Officer using the details provided below. We will respond to your request within 30 days as required by POPIA.

You may be required to verify your identity before we process your request. We may also charge a reasonable fee for processing certain requests, particularly for access to information.

5. Consent Management

Where we rely on consent for processing your personal information:

• We obtain explicit, informed consent before processing
• You can withdraw consent at any time
• Withdrawal does not affect lawfulness of processing before withdrawal
• We maintain records of all consent given

6. Special Personal Information

For sensitive personal information (such as financial information, biometric data), we:

• Only process with explicit consent or legal authorization
• Implement enhanced security measures
• Limit access to authorized personnel only
• Conduct regular security audits

7. Children's Personal Information

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors without parental or guardian consent as required by POPIA.

8. Direct Marketing

We may send you marketing communications only if:

• You have given consent, or
• You are an existing client and we comply with POPIA requirements
• You can opt-out of marketing communications at any time
• We provide clear opt-out mechanisms in all marketing materials

9. Complaints to the Information Regulator

If you believe we have not complied with POPIA, you have the right to lodge a complaint with:

Information Regulator (South Africa)
Website: www.inforegulator.org.za
Email: [email protected]
Phone: 012 406 4818

10. Contact Our Information Officer

For any POPIA-related queries or to exercise your rights:

Information Officer: [Name Available Upon Request]
Email: [email protected]
Phone: +27 12 345 6789
Response Time: Within 30 days as per POPIA requirements