1. Responsible party
EJS Trading and Sourcing CC, trading as EJS Finance, is the responsible party for personal information processed through this website and in the course of its vehicle-finance, dealer-support and related services. FSP number: 44729.
2. Information we may collect
Depending on your interaction with us, we may process identity and contact information, vehicle and transaction information, employment and financial information, affordability information, communications, application documents, compliance information, website technical data and records required by law.
3. How information is obtained
Information may be supplied by you, a motor dealer, an authorised representative, a finance or insurance provider, lawful verification source, credit bureau, regulatory source or another party involved in a transaction. Where information is obtained indirectly, we process it only where permitted by law.
4. Purpose and lawful processing
We process information to respond to enquiries; identify and verify customers; assess and administer finance applications; support vehicle transactions; communicate with finance providers, dealers and service providers; prevent fraud; meet FICA, FAIS, National Credit Act, tax, accounting and other legal duties; maintain security and audit records; manage complaints; and protect legitimate business and legal interests. Where consent is required, it may be withdrawn, subject to lawful retention or processing duties.
5. Sharing
Information may be shared, where relevant and lawful, with participating dealers, banks and finance providers, insurers and value-added product providers, identity and credit verification providers, professional advisers, contracted technology or storage providers, regulators, ombuds and law-enforcement bodies. We do not sell personal information.
6. Operators and safeguards
Service providers processing information for us must be subject to appropriate confidentiality and security obligations. We use reasonable organisational and technical safeguards, access controls, authentication, audit logging, backups and secure document handling. No internet service can be guaranteed completely secure.
7. Cross-border processing
If information is stored or processed outside South Africa, we will apply the conditions required by POPIA, including an adequate level of protection, a binding agreement, consent or another lawful basis.
8. Retention
We keep information only for as long as reasonably required for the stated purpose, contractual or legal obligations, dispute resolution, fraud prevention and regulatory record keeping. Information is then securely deleted, destroyed or de-identified where appropriate.
9. Your rights
Subject to applicable law, you may ask whether we hold your information, request access, ask for inaccurate information to be corrected or deleted, object to certain processing, withdraw consent, request evidence of authorisation, or complain about our processing. We may need to verify your identity before acting on a request.
10. Direct marketing and cookies
Electronic direct marketing will be managed in accordance with POPIA and applicable consumer law. You may opt out of marketing communications. The website may use essential session and security cookies; optional analytics or marketing cookies should not be activated without the required notice or choice.
11. Information Officer
Contact Information Officer at applications@ejsfinance.co.za. General contact details and the physical address are available on our Contact page.
12. Complaints and regulator
Please first send a privacy complaint to our Information Officer. You may also lodge a complaint with the Information Regulator (South Africa). Visit inforegulator.org.za for current complaint channels and forms.
13. Changes
We may update this notice when our services, systems or legal obligations change. The current version and effective date will remain available on this page.