Privacy Policy

Flow Finance respects the privacy of each Visitor. Flow Finance has established this Privacy Policy to explain how Data is collected by Flow Finance, and how this Data is used and disclosed. Flow Finance takes the protection of Personal Information very seriously. Flow Finance may process (for example, collect, use or disclose) Personal Information only as described in this Privacy Policy.

Collection on use. Once a Visitor visits this website, a Visitor is not anonymous to Flow Finance. When visiting, each Visitor provides Data, which may include an ID number, a contact number, a street address, and an email address. Flow Finance may also record the IP address of a Visitor when adding Data. Children. Flow Finance does not intentionally gather Personal Information about visitors who are under the age of 13.
Collection from browser

Flow Finance automatically receives and records information on Flow Finance’s server logs from the browser of a Visitor, including an IP address, Flow Finance cookie information, and the page requested. Each Visitor should be aware that other websites visited before entering the website might place Personal Information within a URL of a Visitor during a visit to it, and Flow Finance has no control over such websites. Accordingly, a subsequent website that collects URL information may log some Personal Information.

Messages and updates. Flow Finance may send administrative messages and email updates regarding the website, or its Services to a Visitor. In some cases, Flow Finance may also send a Visitor primarily promotional messages. A Visitor can choose to opt-out of promotional messages.

Personal Information may be used to improve the website. Flow Finance may use cookies to save the session validators of a Visitor on its browsers and hard drives and may use cookies to provide a tailored website. IP addresses also help Flow Finance to diagnose problems with, and to administer, the website.
Updating or Removing

A Visitor may choose to correct or update the Data they have submitted to Flow Finance by notifying Flow Finance. If details change that impact the collectability or contractibility for an active product, the client is responsible for contacting Flow Finance to ensure that the correct details are present on the system.
Unauthorised Use

Any unauthorised use of Flow Finance information systems is a violation of the Agreement and certain laws, including the section 86 of the ECT Act. Such violations may subject the person to civil and criminal penalties. Use of the services of this website is limited to residents of South Africa or any individual residing in South Africa with the proper clearance documentation and temporary identification documentation.
Intercept and Monitor

Flow Finance may intercept, monitor, block, filter, read, delete, and disclose any communication over its information system. This includes, but is not limited to the tracking of user Internet Protocol addresses (IP Addresses) and users agree that Flow Finance may request their personal information from their Internet Service Provider for whatever reason the site sees fit in order to ensure a safe and trusted relationship with the user.

Flow Finance is not responsible for, gives no warranties, nor makes any representations in respect of the privacy policies or practices of linked or any third party websites. Flow Finance information systems is provided to users and used by Flow Finance “as is” without warranty of any kind, either expresses or implied, including but not limited to the implied warranties of merchantability and/or fitness for a particular purpose. Flow Finance cannot be held liable for any mistakes that arise from use of the information systems that govern the administration of products including but not limited to the unintentional disclosure of personal information.
Marketing purposes

Flow Finance may disclose aggregate statistics (information about the customer population in general terms) about the Data to advertisers or business partners and third party suppliers or agents. Flow Finance may need to provide Data to a third party supplier to supply or provide specific Services to a Visitor (such as providing a quote or contacting a Visitor). Each third party supplier is required to only disclose or use the Data to supply or provide the specific Services requested.
Law enforcement

Flow Finance may disclose Data if required: by a subpoena or other legislative or administrative order by law; to protect the safety of any individual or the general public; to prevent violation of the Agreement, or the rights of Flow Finance or any third party. An IP address may be disclosed to a third party: if the law or a legal process requires it; to protect the rights or property of Flow Finance, a Visitor, or the general public.

Flow Finance may share Data with an Affiliate, in which case Flow Finance will seek to require the Affiliates to abide by this Privacy Policy.

Flow Finance may need to disclose Data to its employees that require the Data to do their jobs.

Flow Finance may disclose Data to designated third parties to resolve or investigate abuse complaints. Flow Finance may release Data to assist in attempting to block an abusive Visitor or complain to its Internet Service Provider of an abusive Visitor.
Security of Data

Flow Finance uses some of the most advanced security measures to protect the Data under its control. All Data is safe, secure, and available only to the Visitor and those to whom Visitor has granted permissions. In addition, the website is hosted in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders.

If you have any questions or concerns arising from this Privacy Policy or the way in which Flow Finance handles Personal Information, please contact Flow Finance Customer Care on [email protected].
Term of Use

Welcome to our website.

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms of use. If you disagree with any part of these terms, please do not use our website. It is the responsibility of the user to read the sections below and to ensure that they fully understand the conditions, and by no means will Flow Finance or any representative of Flow Finance be held accountable for failure by a user to do so. If you have queries or you are unsure of the content, please feel free to contact us before you commence any activity on the website. Flow Finance promotes responsible lending, please do not expose yourself to credit if you know you cannot afford it.
Terms of Use

Definitions and Interpretation. For purposes of the Terms: “Terms” means these terms, consisting of: 1. these terms of use; and 2. any other relevant specific terms, policies, disclaimers, rules and notices agreed between the parties, (including any that may be applicable to a specific section or module of this web site); “Flow Finance” means Flow Finance NCR ; “Visitor” or “you” means any person who visits this web site. Interpretation. A word defined or assigned a meaning in the Terms will start with a capital letter. All headings are inserted for reference purposes only and must not affect the interpretation of the Terms. Whenever “including” or “include”, or “excluding” or “exclude”, together with specific examples or items follow a term, they will not limit its range. Terms other than those defined within the Terms will be given their plain English meaning. References to any enactment will be deemed to include references to the enactment as re-enacted, amended, or extended from time to time. A reference to a person includes a natural and juristic person and a reference to either party includes the party’s successors or permitted assigns. Unless otherwise stated in the Terms, when any number of days is prescribed in the Terms the first day will be excluded and the last day included. The rule of construction that an agreement must be interpreted against the party responsible for its drafting or preparation does not apply. Central African Time or GMT +2 will be used to calculate any times. Conflict. If there is a conflict of meaning between these terms of use and any other relevant specific terms, policies, disclaimers, rules and notices agreed between the parties, the specific terms will prevail in respect of your use of the relevant section or module of the web site.
About Flow Finance

This web site is owned, managed, and administered by Flow Finance. Flow Finance Head Office is situated at 123 Oxford Road c/n of Cotswold Dr, Saxonwold 2196 and is a business that specializes in extending credit. Flow Finance is fully compliant with the credit legislative requirements of South Africa and promotes responsible lending. Flow Finance also strives to provide superior administration and management of client accounts.
Use of the site

License to use this web site. Flow Finance grants each Visitor a limited, revocable license to use this web site subject to the Terms. Any person wishing to use this web site contrary to the Terms must obtain Flow Finance’s prior written consent. The information offered on this web site is for the Visitor’s guidance only. The information offered is for quotation purposes only, and is subject to change on final submission of an application. Flow Finance has taken every care to ensure that the information provided on this web site is reliable by using sources we believe to be accurate. However, the accuracy of the information (including rates, fees, and charges), cannot be guaranteed.
Sufficient particulars

In order for Flow Finance to provide a Visitor with appropriate advice and / or quotations on products, it is important that a Visitor provides Flow Finance with sufficient particulars of their financial affairs. Failure to make a full disclosure could result in advice Flow Finance being compromised and may result in a Visitor thus making a financial commitment to a product inappropriate to their needs and objectives.

No person, business, or website may frame this website or any of the pages on this website.

Visitor(s) may link to the website only by linking to the home page of this website. Flow Finance prohibits Visitor from “deep linking” to any other pages in a manner that would incorrectly suggest endorsement or support of Visitor by Flow Finance or suggests a Visitor is the owner of any intellectual property belonging to Flow Finance.
Spiders and Crawlers

No person, business, or website may use any technology (including spiders or crawlers) to search and gain any information from this website

Flow Finance may modify, suspend, or discontinue the provisioning of this website to the public (with or without notice) and will not be liable for any claims. Furthermore, Flow Finance also reserves the right to modify the terms and conditions that govern the relationship with users (with or without notice) and will not be liable for any claims that result in terms of such a change.
Capacity of Customer

Each Visitor represents and warrants that Visitor : 1. is old enough under applicable law to enter into the Terms; 2. possesses the legal right, full power, and authority to enter into the Terms; 3. will submit true, accurate and correct information to Flow Finance and this website. If Visitor is younger than 18 years of age, the Visitor warrants that the Visitor has the consent of its legal guardian to enter into the Terms or that the Visitor has obtained legal status in another manner.