Registration Number: 2025/308540/07
Version 1 | October 2025

1. Introduction

1.1 Trustbond (Pty) Ltd (“Trustbond”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store and safeguard your personal information in accordance with the Protection of Personal Information Act, 4 of 2013 (POPIA).

1.2 This policy applies to:
• Visitors to our website
• Customers or applicants who use our bond origination services
• Individuals who communicate with us in any way

1.3 By using our website or requesting our services, you accept the terms of this Privacy Policy.

2. Personal Information We Collect

2.1 Personal information refers to any information that can identify you as an individual. Trustbond may collect the following categories of information:

2.1.1 Information collected automatically

• IP address
• Browser type
• Device information
• Website usage data

2.1.2 Information collected when you contact or register with us

• Name and surname
• Email address
• Phone number
• Physical or postal address
• Identification details
• Income and expense details

2.1.3 Information provided during a home loan, pre-approval or credit assessment

• Bank statements
• Payslips
• Employment details
• Business information (if self-employed)
• Financial documents
• Credit reports (with your consent)

2.1.4 Optional information

Any additional details you choose to provide to us voluntarily.

2.2 We do not intentionally collect information made public by you or anonymised data that cannot identify you.

3. Sensitive Personal Information

3.1 Depending on your application, we may process certain sensitive information such as:
• Financial information
• Employment or income details
• Credit history
• Supporting documents for joint applications

3.2 Trustbond will only request information that is necessary for processing your home loan or pre-approval.

4. Your Acceptance and Responsibility

4.1 You must accept this policy to use our services. If you do not agree with any part of it, you may not request our services.

4.2 You may only provide personal information relating to another person if you have their permission to do so.

4.3 You must be 18 years or older to use our services.

5. How We Collect Your Information

Trustbond may collect your information in the following ways:

5.1 Directly From You

When you:
• Fill in a contact form
• Apply for pre-approval
• Submit documents
• Request services
• Communicate with us via email, phone, WhatsApp or SMS

5.2 Automatically

When you browse our website.

5.3 From Third Parties (with your consent)

• Registered credit bureaus
• Your financial institution
• Your employer
• Co-applicants
• Verification service providers

6. Purpose of Collecting Information

Trustbond processes your personal information for the following purposes:

• To assess and process your home loan application
• To obtain credit reports with your consent
• To verify your identity and financial profile
• To communicate regarding your application
• To provide pre-approval services
• To submit your application to financial institutions
• To comply with legal and regulatory requirements
• To improve our service experience

We do not use your information for any purpose unrelated to your application.

7. Sharing of Personal Information

Trustbond may share your information only when necessary and lawful, including with:

• Financial institutions and credit providers
• Registered credit bureaus (with your consent)
• Our authorised service providers (IT, verification, admin support)
• Co-applicants on joint applications
• Attorneys involved in your property transaction (where applicable)
• Regulatory authorities when required by law

Trustbond will never sell your personal information.

8. Credit Checks

8.1 When you use our services, you consent that Trustbond may obtain your credit report from a registered credit bureau for purposes of assessing your home loan eligibility.

8.2 You acknowledge your right to one free credit report per year from any registered South African credit bureau.

9. Security of Personal Information

9.1 Trustbond uses appropriate technical and organisational security measures to protect your personal information.

9.2 Access to your information is restricted to authorised personnel who need it to perform their duties.

9.3 We store information on secure servers, which may include reputable cloud-based platforms.

10. Retention of Information

10.1 We retain your personal information only for as long as necessary to:

• Process your application
• Comply with legal and regulatory requirements
• Maintain accurate records for auditing and reporting

10.2 Once retention is no longer required, information is securely deleted or de-identified.

11. Transfer of Information Outside South Africa

11.1 Personal information may be stored or processed on servers located outside South Africa.
11.2 Trustbond ensures that such platforms offer adequate protection in line with POPIA requirements.

12. Your Rights

You have the right to:

• Access your personal information
• Request correction or deletion where lawful
• Withdraw consent (this may impact your application)
• Object to certain processing activities
• Lodge a POPIA complaint

Requests can be sent to:
support@trustbond.co.za

13. POPIA Complaints Procedure

13.1 If you believe Trustbond has violated your privacy rights, you may lodge a complaint with our Information Officer.
13.2 Complaints are treated confidentially and will be addressed in accordance with POPIA.

Complaint Email

complaints@trustbond.co.za

You may also escalate complaints to the Information Regulator.

14. Unsubscribe / Opt-Out

14.1 You may opt out of marketing communications at any time by requesting it in writing.
14.2 Operational or application-related communication will continue as long as your application is active.

15. Changes to this Policy

15.1 Trustbond may update this Privacy Policy occasionally.
15.2 The latest version will always appear on our website.
15.3 If you continue to use our services after updates, you are deemed to have accepted the revised policy.