Privacy Policy for No Bank Vehicles  (NBV)

This Privacy Policy (“Policy”) outlines how No Bank Vehicles (hereinafter referred to as “NBV”, “we”, “us”, or “our”) collects, processes, stores, discloses, and protects your personal information in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”), the Constitution of the Republic of South Africa, and international privacy norms.

Your access to or use of NBV’s websites (including https://nbv.co.za and related digital platforms), as well as any services, content, features, promotions, or engagements offered therein (collectively, “Services”), signifies your acceptance of the practices described in this Policy.

Introduction and Scope

  1. This Policy governs the processing of all personal information provided to NBV, whether through our website, electronic communications, telephonic conversations, written correspondence, or in-person engagements.
  2. The term “personal information” bears the meaning assigned under POPIA and includes any data relating to an identifiable, living natural person or an existing legal entity.
  3. This Policy applies irrespective of your geographic location; by continuing to use our Services, you expressly agree to the processing of your personal information in and from the Republic of South Africa, regardless of your place of residence or use.

Types of Personal Information We Collect

  1. NBV collects personal information directly from you and, where applicable, from third parties acting on your behalf. This may include, but is not limited to:
  2. Full name and surname
  3. Contact details (e.g., phone number, email address, physical address)
  4. Identity number or company registration details
  5. Geographic location (via IP address or GPS data)
  6. Communication history with NBV
  7. Preferences and browsing behaviour
  8. Device and browser metadata
  9. Information is collected when you:
  10. Register an account or transact on our website
  11. Submit forms, surveys, callback requests, or participate in promotional campaigns
  12. Engage with us on social media or third-party platforms
  13. Communicate directly with us via telephone, email, or other offline methods
  14. NBV may also collect non-personal information that does not identify a specific individual (“Aggregate Data”), including website usage patterns, clickstream data, and technical diagnostics.

Purpose and Legal Basis for Processing

  1. NBV collects and processes personal information only for legitimate and explicitly defined purposes. These include:
  2. Verifying identity and eligibility for Services
  3. Providing, operating, improving, and personalizing our Services
  4. Delivering requested communications, updates, or support
  5. Facilitating sales, financing options, or marketing campaigns
  6. Meeting legal and regulatory obligations
  7. Conducting internal research, analytics, and quality assurance
  8. Detecting and preventing fraudulent or unlawful activity
  9. Enabling advertising, retargeting, and promotional strategies
  10. Managing and responding to user complaints or queries
  11. 1. In processing your data, NBV relies on one or more legal bases provided under POPIA, including your informed consent, performance of a contract, legal obligation, or legitimate interest.

Consent and Withdrawal

  1. You grant NBV specific and informed consent to process your personal information by voluntarily submitting such information via our platforms.
  2. You may withdraw your consent at any time by contacting us at info@nbv.co.za. Withdrawal will not affect processing already lawfully undertaken.
  3. In some cases, withdrawal may result in the limitation or suspension of Services that require personal information.

Disclosure and Sharing of Information

  1. NBV regards your personal information as confidential. However, disclosure may occur under the following circumstances:

Authorised Service Providers

  1. We may share information with trusted vendors or contractors performing services on our behalf, such as IT hosting, digital marketing, database management, payment processors, and logistics. These providers are contractually obligated to maintain confidentiality and comply with POPIA standards.

Third-Party Marketing & Advertising Platforms

  1. NBV may integrate with social media and advertising networks (e.g., Meta/Facebook, Google Ads, LinkedIn) to deliver personalised content or marketing. Your interactions with such platforms are governed by their respective privacy terms.

Legal Obligations

  1. We will disclose personal information if compelled by law, court order, or regulatory directive, or if necessary to protect the rights, safety, or property of NBV, its customers, or third parties.

Mergers and Corporate Transactions

  1. In the event of a sale, merger, acquisition, business restructuring or insolvency, your personal information may be transferred as part of business assets, subject to due safeguards.

Partner Collaborations

  1. NBV may occasionally collaborate with strategic partners (e.g., rewards platforms, joint campaigns) under limited arrangements that restrict secondary use of data and ensure adequate protection measures.

International Transfers

  1. Where personal information is transferred cross-border (e.g., cloud storage, analytics providers), NBV ensures such transfers comply with section 72 of POPIA and are subject to adequate contractual and security controls.
  2. Users residing outside South Africa acknowledge and consent to such transfers as an inherent part of accessing NBV’s digital Services.

Security of Your Information

  1. NBV applies a combination of technical, administrative, and physical safeguards to protect your personal information from accidental loss, unauthorized access, misuse, alteration, or disclosure.
  2. These include data encryption, firewalls, secure server architecture, internal access restrictions, and employee confidentiality agreements.
  3. Notwithstanding these efforts, no data transmission or storage method can be guaranteed as 100% secure. NBV disclaims liability for any security breach beyond its reasonable control.
  4. Should any breach affecting your personal information occur, we will promptly notify affected users in compliance with POPIA and applicable law.

Cookies and Tracking Technologies

  1. Our Sites use cookies and similar tracking technologies to enhance user experience, manage session data, analyze site performance, and deliver targeted advertising.
  2. Examples of technologies used:
  3. Google Analytics / Ads: Monitoring site usage and advertising effectiveness
  4. Facebook Pixel: Custom audience creation and ad retargeting
  5. Functional cookies: Remembering preferences or login sessions
  6. You may manage or disable cookies through your browser settings. However, some functionality may be impaired as a result.

Children’s Privacy

  1. NBV does not knowingly collect or process personal information from children under the age of 13 without verified parental or legal guardian consent.
  2. If you become aware that a child has provided personal information without appropriate consent, please notify us immediately at info@nbv.co.za, and we will take steps to delete such information.

Retention of Personal Information

  1. NBV retains personal information only for as long as necessary to fulfil the purposes outlined in this Policy or as required by law.
  2. Retention periods may vary depending on the nature of the engagement, applicable statutory requirements, and contractual obligations.
  3. When no longer required, your information will be securely destroyed or de-identified in accordance with recognised industry standards.

Your Rights Under POPIA

  1. As a data subject under South African law, you may have the following rights (subject to applicable limitations and verification requirements):
  2. The right to access your personal information
  3. The right to request correction, deletion or updating of inaccurate or outdated information
  4. The right to object to processing in certain circumstances
  5. The right to lodge a complaint with the Information Regulator of South Africa
  6. To exercise any of these rights, please submit a written request to info@nbv.co.za. We may require identity verification prior to actioning your request.

External Sites and Links

  1. NBV’s digital platforms may contain hyperlinks or references to external websites, services, or applications not operated or controlled by us.
  2. This Policy does not extend to those third-party environments, and NBV accepts no responsibility for the privacy practices or content of external platforms. We encourage you to review their respective privacy policies before submitting any information.

Policy Updates

  1. This Privacy Policy may be amended or updated from time to time to reflect changes in our practices, technological advancements, or legislative developments.
  2. Significant changes will be communicated via email (where applicable) and/or through a prominent notice on our website.
  3. Continued use of NBV’s Services following such updates constitutes acceptance of the amended Policy.

Queries, Complaints, or Contact

  1. If you have any questions, complaints, or wish to exercise your rights under this Policy, please contact:

Email: info@nbv.co.za
Address: 5 Yster Street, Bardene, Boksburg, 1459
Phone: 010 497 6277

If you are dissatisfied with how your query has been handled, you may also contact:

The Information Regulator (South Africa)
Email: complaints.IR@justice.gov.za
Website: https://www.justice.gov.za/inforeg/