Privacy Policy

Last Updated: 8 August 2026

Novox Finance respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how Novox Finance collects, uses, stores, protects and shares personal information when you visit our website, contact us, submit an enquiry or make use of our finance-related services.

Novox Finance processes personal information in accordance with applicable South African privacy legislation, including the Protection of Personal Information Act 4 of 2013 (POPIA).

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1. Who We Are

Novox Finance is a South African finance brokerage that assists individuals and businesses in obtaining suitable finance solutions through a network of banks, specialist finance providers and private lenders.

For purposes of applicable data-protection legislation, Novox Finance may act as the responsible party in relation to personal information collected and processed through our website and services.

2. Information We Collect

Depending on how you interact with Novox Finance, we may collect different types of personal information.

Personal Information

• Full name
• Contact details
• Telephone number
• Email address
• Residential or business address
• Identification information
• Employment information
• Business information

Financial Information

When you request finance, we may need information relevant to assessing your application, which may include:

• Income information
• Employment information
• Business turnover
• Financial statements
• Banking information
• Existing financial obligations
• Credit-related information
• Information relating to the asset or vehicle being financed

We will only request information that is reasonably necessary for the relevant purpose.

3. How We Collect Your Information

We may collect personal information when you:

• Submit an enquiry through our website
• Complete a finance application
• Contact us by telephone
• Send us an email
• Communicate with us through other channels
• Request information about our services
• Provide information during the finance application process
• Interact with our website

We may also automatically collect limited technical information when you visit our website, such as browser information, device information, IP address and website usage information, depending on the technologies and analytics services installed on the website.

4. Why We Use Your Information

We may use your personal information to:

• Respond to your enquiry
• Contact you regarding your finance requirements
• Assess your finance needs
• Prepare and process finance applications
• Source suitable finance solutions
• Submit applications to relevant lenders
• Communicate with banks, finance providers and other relevant parties
• Verify information provided to us
• Facilitate the finance application process
• Provide customer support
• Improve our services
• Maintain our business records
• Comply with applicable laws and regulatory requirements
• Protect our business, website and users from fraud or misuse
• Communicate important information relating to your application or services

We will not use your personal information for purposes that are incompatible with the purpose for which it was collected unless permitted or required by applicable law.

5. Sharing Your Information

Novox Finance may need to share relevant personal information with third parties in order to provide our services.

These parties may include:

• Banks
• Finance houses
• Specialist finance providers
• Private lenders
• Credit-related service providers
• Asset suppliers
• Vehicle dealerships
• Professional advisers
• Technology and hosting providers
• Service providers assisting us with our business operations
• Regulatory or governmental authorities where required by law

We only share information where there is a legitimate business or legal reason to do so and, where applicable, where the necessary consent or other lawful basis exists.

We do not sell your personal information to third parties.

6. Finance Applications

If you request assistance obtaining finance, you understand that Novox Finance may need to provide relevant information to prospective lenders and finance providers for the purpose of assessing and processing your application.

Different lenders may have their own privacy policies, terms and requirements.

Where your application is submitted to a lender, that lender may process your information independently in accordance with its own legal and regulatory obligations and privacy policies.

7. Consent

Where required by law, we will obtain your consent before collecting or processing your personal information.

By voluntarily submitting your information through our website or contacting us for the purpose of obtaining finance or information about our services, you acknowledge that we may process the information reasonably necessary to respond to your request and provide the requested services, subject to applicable law.

You may withdraw consent where processing is based on consent. However, withdrawal of consent does not affect the lawfulness of processing that took place before the withdrawal.

8. Direct Marketing

We may contact you regarding Novox Finance services, finance solutions or other information that may be relevant to you where permitted by applicable law.

Where consent is required for electronic direct marketing, we will obtain the appropriate consent.

You may request that we stop sending marketing communications to you at any time.

9. Cookies and Website Technologies

Our website may use cookies and similar technologies to improve functionality, understand website usage and improve the user experience.

Cookies may be used for purposes including:

• Essential website functionality
• Website preferences
• Analytics
• Performance monitoring
• Security
• Marketing, where applicable

You can manage or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of parts of the website.

10. Security of Your Information

Novox Finance takes reasonable and appropriate technical and organisational measures to protect personal information against:

• Unauthorised access
• Loss
• Misuse
• Destruction
• Unauthorised disclosure
• Alteration
• Accidental or unlawful processing

Access to personal information is restricted to persons and service providers who reasonably require the information to perform their duties or provide services.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

11. How Long We Keep Your Information

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

• Providing our services
• Managing your relationship with us
• Completing finance applications
• Meeting contractual obligations
• Maintaining business records
• Complying with legal and regulatory requirements
• Resolving disputes
• Protecting our legitimate business interests

Where information is no longer required, we will take reasonable steps to securely delete, destroy or anonymise it where appropriate.

12. Accuracy of Your Information

We take reasonable steps to ensure that personal information in our possession is accurate, complete and up to date.

You should notify us if any of your personal information changes or if you believe information we hold about you is incorrect.

13. Your Privacy Rights

Subject to applicable law, you may have the right to:

• Request access to personal information we hold about you
• Request correction or updating of inaccurate information
• Request deletion of personal information where legally permitted
• Object to certain processing of your personal information
• Withdraw consent where processing is based on consent
• Request information about how your personal information is being processed
• Lodge a complaint regarding the processing of your personal information

14. How to Exercise Your Rights

If you would like to request access to, correction of, or information regarding your personal information, please contact us.

15. Complaints

If you have a concern about how Novox Finance handles your personal information, we encourage you to contact us first so that we can investigate and attempt to resolve the matter.

You may also lodge a complaint with the Information Regulator of South Africa where appropriate.

16. Third-Party Websites

Our website may contain links to websites operated by third parties.

Novox Finance is not responsible for the privacy practices, security or content of third-party websites.

We recommend reviewing the privacy policy of any third-party website before providing personal information.

17. Children’s Information

Our services are intended primarily for adults and businesses.

We do not knowingly collect personal information from children except where permitted by applicable law and where the appropriate requirements have been satisfied.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, website, services, applicable legislation, data-processing practices or technology.

Any updated version will be published on this page with an updated “Last Updated” date.

19. Contact Us

If you have any questions about this Privacy Policy or how Novox Finance processes personal information, please contact: