Lend Buddy · iNdex TechWho uses Lend Buddy
Lend Buddy is software as a service (SaaS) used by independent organisations (“lenders”) to manage their own loan books and by people who borrow from those organisations (“borrowers”) to see their own loans. Each organisation decides what it records about borrowers and is responsible for its own lending and those records. iNdex Tech Solutions (“iNdex Tech”, “we”) provides and operates the software service. We do not lend money or make lending decisions for customer organisations.
Information we handle
- Account information: your name, phone number and a protected (hashed) password.
- Lender information: the business name and country, plus the borrowers, loans, payments, loan types and staff the lender enters.
- Borrower information: details the lender records about you, such as your name and phone number, and, if the lender chooses to record them, your ID number, address and work; your loans and payments; and loan applications you send.
- Notifications: a push token for your phone so the service can send reminders and receipts, and the notifications sent to you.
- Change history: records of who changed information and when.
We do not collect your location, contacts, photos or advertising IDs. We do not sell or share your information for advertising.
How we use it
We use information to provide the loan book, keep lender and borrower accounts working, show records to the right people, sync updates, send requested service notifications, protect the service and help with support.
Who can see it
- A lender and their staff can see their own lending business’s borrowers and loans, not another business’s.
- A borrower can see their own borrower record and loans, and only with lenders who accepted their connection.
- iNdex Tech may access information when needed to run, secure and support Lend Buddy.
- Our service providers store or deliver information for us: Cloudflare (hosting), Neon (database, United States) and Google Firebase (push notifications).
Because the database is hosted in the United States, information may be processed outside the country where you live. We use these providers to operate the service.
How long we keep it
Loan and payment records remain with the lending business while it uses Lend Buddy and for any period required by applicable lending or tax laws. Notification tokens are deleted when you sign out or delete your account. Other account information is retained as needed to provide the service and meet legal obligations.
Your choices and rights
- Borrowers can ask their lender to access or correct the information the lender recorded. Lenders can review and update records in the app.
- You can delete your Lend Buddy account from the app or request deletion by contacting us.
- You can turn off notifications in your phone’s settings.
- Depending on where you live, including under POPIA in South Africa, you may have rights to access, correct or object to the use of personal information. Contact us to make a request.
Account deletion and records
Deleting an account removes the login, notification tokens and notifications. For a lender who owns the business, the business is closed and staff logins are removed. Loan and payment records remain with the lending business where needed for legal record-keeping, and are no longer linked to the deleted login. Read the account deletion instructions.
Security
Traffic is encrypted using HTTPS, passwords are stored as hashes, and each lending business’s records are kept separate. No online service can guarantee absolute security; contact us if you have a concern about your account.
Contact us
For privacy questions or requests, contact iNdex Tech Solutions at privacy@indextech.co.za or 021 569 4997. We are based in Cape Town, South Africa. You may also contact the Information Regulator of South Africa at inforegulator.org.za if POPIA applies to your request.