Cookie Policy for La Riba Finance Pty Ltd

Effective Date: March 16, 2025

This Cookie Policy explains how La Riba Finance Pty Ltd ("we", "us", "our") uses cookies and similar technologies to collect and store information when you visit our website (www.laribafinance.com). This policy outlines the types of cookies used, the purposes for which we use them, and how you can manage your cookie preferences.

By using our website, you consent to the use of cookies as described in this policy. If you do not agree to the use of cookies, please adjust your browser settings as outlined below or refrain from using our website.

1. What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They allow the website to remember your actions and preferences (such as login details, language preferences, and display settings) over a period of time, so you don't have to re-enter them whenever you return to the site or browse from one page to another.

2. How We Use Cookies

We use cookies to improve your experience on our website and to collect information about how our site is used. Specifically, we use cookies for the following purposes:

• Essential Cookies: These cookies are necessary for the operation of our website and enable you to navigate and use its features, such as secure login and access to account information.

• Performance and Analytics Cookies: These cookies help us analyze how users interact with our website, which pages are visited most frequently, and other data that allows us to improve the functionality and performance of our website.

• Functionality Cookies: These cookies allow the website to remember your preferences and choices (such as language or region) and provide enhanced, more personal features.

• Advertising and Targeting Cookies: These cookies track your browsing habits in order to deliver more relevant advertisements to you based on your interests.

3. Types of Cookies We Use

• Session Cookies: These cookies are temporary and remain on your device only for the duration of your browsing session. They are deleted once you close your browser.

• Persistent Cookies: These cookies remain on your device for a set period after you have finished browsing. They are used to remember your preferences or actions on the website for future visits.

• First-Party Cookies: These cookies are set by our website and can only be read by it.

• Third-Party Cookies: These cookies are set by third-party services that are integrated with our website, such as analytics providers or social media platforms.

4. How to Manage and Disable Cookies

You can manage your cookie preferences or disable cookies through your web browser settings. Most browsers allow you to control cookies through the browser settings, including blocking or deleting cookies. However, please note that blocking or deleting cookies may impact your user experience and prevent certain features from working correctly.

Here’s how you can manage cookies in popular browsers:

• Google Chrome: Go to "Settings" > "Privacy and Security" > "Cookies and other site data".

• Mozilla Firefox: Go to "Preferences" > "Privacy & Security" > "Cookies and Site Data".

• Safari: Go to "Preferences" > "Privacy" > "Cookies and Website Data".

• Microsoft Edge: Go to "Settings" > "Privacy, Search, and Services" > "Cookies and Site Permissions".

For more information about managing cookies, you can visit www.allaboutcookies.org.

5. Third-Party Cookies

We may use third-party service providers, such as Google Analytics, to help us understand how visitors interact with our website. These third parties may set their own cookies on your device and use the information collected to provide their services. We do not control the use of these cookies, and they are subject to the privacy policies of the respective third-party providers.

For example:

• Google Analytics: These cookies help us understand how users interact with our website by collecting and reporting information anonymously. For more information on how Google uses data, please visit: Google Privacy & Terms.

6. Your Consent

By continuing to use our website, you consent to the placement of cookies on your device as described in this Cookie Policy. If you do not agree to the use of cookies, you should adjust your browser settings or refrain from using our website.

7. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by updating the date at the top of this page. We encourage you to review this policy periodically to stay informed about how we use cookies.

8. Contact Us

If you have any questions or concerns about this Cookie Policy or how we handle cookies, please contact us at:

La Riba Finance Pty Ltd
Email: info@laribafinance.com
Phone: +27 64 77 77 777
Address: Benoni, South Africa

Let me know if you need any further revis

Regulatory Compliance Disclaimer

La Riba Finance Pty Ltd ("we", "us", "our") is committed to providing responsible and ethical financial services in compliance with the laws and regulations governing the lending industry in South Africa. As a licensed financial service provider, we are dedicated to ensuring that our business practices are transparent, fair, and in accordance with all relevant legal requirements.

1. Compliance with the National Credit Act (NCA)
We comply with the National Credit Act No. 34 of 2005 (NCA), which regulates the provision of credit in South Africa. This Act is designed to promote a fair and non-discriminatory credit market, protect consumers, and ensure that credit providers lend responsibly.

2. National Credit Regulator (NCR) Guidelines
La Riba Finance is registered with the National Credit Regulator (NCR) under NCR Registration Number: NCRCP19853. We adhere to all guidelines and directives issued by the NCR, which are in place to protect consumers and ensure fair, transparent, and responsible lending practices.

3. Adherence to Ethical Lending Practices
We are committed to ethical lending practices, which include:

• Providing clear and accurate information to all applicants about the loan products available, including the costs, terms, and conditions.

• Ensuring that borrowers fully understand the loan terms before entering into an agreement.

• Offering loans that are suitable and affordable, considering the financial position of each borrower.

• Avoiding predatory lending practices and providing loans that do not put borrowers into a cycle of debt.

• Informing borrowers of their rights, including the right to cancel or challenge loans under applicable legislation.

4. Commitment to Responsible Lending
At La Riba Finance, we believe in responsible lending and ensuring that our services are used in a manner that supports the financial well-being of our clients. As part of our commitment, we:

• Assess the financial position and creditworthiness of all applicants before extending credit.

• Ensure loans are provided with due consideration of the borrower’s ability to repay.

• Offer transparent terms, including the total cost of credit, interest-free repayment options, and the risk of non-payment.

• Ensure that all fees and charges are clearly stated upfront.

5. Legal and Regulatory Adherence
La Riba Finance complies with all applicable South African laws and regulations concerning financial services, including the Consumer Protection Act (CPA), Protection of Personal Information Act (POPIA), and Electronic Communications and Transactions Act (ECTA).

We are fully committed to protecting your personal data and ensuring that all information collected is handled in compliance with POPIA.

For any further information or inquiries, please do not hesitate to contact us at info@laribafinance.com or reach us at +27 64 77 77 777.

Legal Disclaimer

NCR Registration and No Financial Advice

La Riba Finance Pty Ltd is a registered National Credit Regulator (NCR) company, and as such, we are fully compliant with the requirements and regulations set forth by the National Credit Act (NCA) in South Africa. We are not a financial advisory service and do not provide financial advice or recommendations regarding any financial products, services, or investments.

Any information provided by La Riba Finance Pty Ltd on this Website, through communications, or during interactions with clients is intended solely for informational purposes and does not constitute financial advice, investment guidance, or recommendations of any kind. Our role is strictly related to the provision of credit and finance services as regulated by the NCR.

By using our services or engaging with the Website, you acknowledge and agree that:

• La Riba Finance Pty Ltd does not provide financial, legal, or tax advice. All decisions regarding financial matters should be made in consultation with a licensed financial advisor, attorney, or tax professional.

• We do not assume responsibility or liability for any decisions made based on information obtained from our Website or services.

• La Riba Finance Pty Ltd adheres strictly to the National Credit Act (NCA) and all applicable financial regulations governing the provision of credit and financial products in South Africa.

We encourage you to seek professional advice from a qualified financial advisor or consultant before making any decisions related to credit or financial products.

Regulatory Compliance

We are committed to adhering to all applicable laws, including the National Credit Act (NCA), and ensuring that we operate in a manner that complies with the National Credit Regulator (NCR) guidelines and regulations. Our NCR Registration Number is NCRCP19853.

Should you have any questions regarding your rights, credit eligibility, or the products we offer, we recommend contacting us at info@laribafinance.com or consulting with a licensed financial advisor for further clarification.