Privacy Policy


This is the privacy policy for Mint Kulca and applies to any of our products or services which you use on our Platform, including our websites, mobile sites, mobile applications, emails or any other technology or service you use to access our products and services. “We”, “us” or “our” in this privacy policy refers to Mint Kulca Pty Ltd. The terms “personal information”, “special personal information” and “process/ing” when used in this document shall bear the meanings as set out in the Protection of Personal Information Act 4 of 2013.

It is important that you read this privacy policy together with other terms and conditions, privacy notices or policies we may provide on specific occasions when we collect or use your personal information. This privacy policy supplements these notices and policies, and is not intended to override them.

We respect your privacy and take the protection of personal information very seriously. This privacy policy describes how we handle the personal information we collect about you and/or receive from you. By using our Platform you agree to our collection and use of your information as set out in this privacy policy.

If you are below the age of 18 years, you must always get permission from your parent or guardian before you use our Platform or give us your information. Please note, we may check that your parent or guardian has given you permission to use our Platform and/or give us your personal information, and may ask you for their contact details so we can contact them. We may also check that the contact details you have given us are correct, and are the details of a person who is actually your parent or guardian.


We collect personal information that is necessary for us to provide you with our services as advertised. We only collect and use the minimum personal information we need in order to provide and improve our services.

Examples of personal information which we may collect and process include your name; email and/or physical address; fixed or mobile phone number; location information and in some circumstances (provided you have explicitly consented to us collecting and processing this personal information) your race or ethnic origin; gender; age; religious or philosophical beliefs; financial, health or biometric information; culture; language; education or employment history.

We collect and receive information about you in the following ways:

Information you give us

We collect your personal information through direct interactions with you and when you:

  • Complete forms, sign up for an account, or subscribe or register to access or use our services.
  • Enter promotional competitions or complete surveys.
  • Post comments or content on our Platform.
  • Buy one of our products or services.
  • Contact us.

Information we automatically collect or receive when you use our Platforms, products or services

We may automatically collect information about the equipment you use to access or use our Platform, your browsing actions and patterns. We do this through the use of cookies, web beacons and other technologies.

A cookie is a small text file that our server sends to your hard drive when you visit our Platform. These cookies hold modest amounts of data specific to you and our Platform. They allow our system to recognise you when you visit our Platform again. If you prefer that we not use cookies when you use our Platform, you can change your browser settings to disable the use of cookies. Please note however that if you disable the use of cookies, you may not be able to enjoy all the features and functionalities of our Platform.

A web beacon is a small image file that we place on our Platform or in an email. We use it to track how many times a web page is accessed, the time it was accessed and the location of users who accessed it.

Depending on how you access and use our Platform, we may receive:

  • Log information, including information on how, when and for how long you use our Platform and other services, the content you view and search queries you submit.
  • Information about the equipment you use to access or use our Platform, including the type of device you are using, how you access our Platform, your browser or operating system and your Internet Protocol (IP) address.
  • The geographic location from which you accessed our Platform, including your device’s GPS signal and information about nearby wifi networks and cell towers. We get this information when you use location-enabled services.

Click here to read our policy on cookie consent.

Information from third-party sources

We may receive other information about you from third parties (where you have consented to such third party sharing your information with us) and combine it with the information we have collected about or received from you in other ways. We may also receive information about you when you log into our Platform using your social networking log-in details.


We use the personal information we collect and receive to:

  • Identify you, verify your identity, create a user account for you and enter into a contract with you.
  • Provide you with information, products or services you request from us.
  • Comply with any contractual obligations we have in respect of the provision of information, products or services to you.
  • Communicate with you regarding our Platform and providing you with information, products or services, including billing, customer support, resolving complaints and quality control.
  • Notify you about changes to our Platform, services and products, terms and conditions, privacy policy or notices, and any other changes that impact our Platform, services and products.
  • Send you information about competitions, products or services that may interest you.
  • Make our Platform more user friendly.
  • Market our Platform, products and services to you, subject to your right to refuse to receive direct marketing communications.
  • Personalise your interactions with our Platform, tailor our services and Platform to your interests and needs, and ensure it work on your device.
  • Get feedback from you which we need to develop our products and services and grow our business.
  • Protect our legitimate business interests such as debt recovery, keeping our records up to date and studying our customer or user products or services.
  • Comply with any legal or regulatory obligations such as tax or financial laws.

We also use your personal information for research and statistical purposes. The research and statistics we get from this process do not include your personal information and cannot be linked to you, nor can you be identified from these statistics.

We may collect and process special personal information. We will only collect and process this information if you have explicitly consented to us collecting and processing this personal information and for the purpose for which you consented.

We will not use your personal information for any other purpose without your permission.

We keep your information for as long as we need it to provide our Platform, products or services to you, and are required or allowed by law or the contract between you and us, or you have agreed to us keeping your information.


We do not sell your personal information to third parties for their marketing or any other purposes.

We may provide or make your personal information available to:

  • Companies that provide services to us or on our behalf, or enable us to provide services to you or operate the Platform, including contractors, debt collectors, lawyers and auditors.
  • Other parties where we are required to provide your personal information to comply with the law or protect our Platform.
  • Prospective and actual buyers, in the event that we sell, transfer or merge any part of our businesses or assets, or prospective or actual sellers, in the event that we choose to buy or merge with any other business.
  • Other parties that provide content, advertising services or functionality on our Platform. These third parties include i) social networking services such as Facebook, Twitter, LinkedIn and Instagram that you may select to use to register for and log into some of our services and share things you find on our Platform with your social network. We do not control the privacy practices of these or any other third party services and recommend you read the privacy policies of these services before connecting to them. These third parties may collect or receive information about your use of our Platform, including through the use of cookies, web beacons and other technologies, and this information may be collected over time and combined with information collected on various websites and online services.

We also share our research and statistical information with various third parties. However, this information does not include your personal information, cannot be linked to you and you cannot be identified from these statistics.

Please note, some of the people or companies who have access to your personal information are located outside South Africa. We will not share your personal information with these parties unless they are bound by privacy laws and corporate rules or agreements with us that protect the privacy of your personal information and limit their ability to share your personal information with other parties. We will get your permission before we share your information with any third party


You have the right to ask us not to contact you for marketing purposes, and you can do this at any time by using any of the various “opt out” options that we always provide you with when we send you marketing communications.

We manage several separate marketing distribution lists across our business units, and opting out of one distribution list does not automatically remove you from all the other lists.

You also have the right to request access to the information we have collected about you and request that we correct or update any incorrect or incomplete information. Such request can be submitted to

You may at any time lodge an objection with us regarding our collection and use of your personal information by e-mailing


We have put in place administrative, technical and physical safeguards to protect your personal information and prevent loss, damage or unauthorised access to or disclosure of your information. These security safeguards are based on generally accepted information security practices and procedures which apply to the Platform, products and services we provide. We regularly check that these safeguards are correctly implemented and continually updated in response to new risks or any identified deficiencies.

Any information you submit to us through the internet is at your own risk. Once we receive your personal information, our security safeguards apply.

If we outsource any services to a third party that require the collection or use of your personal information, we put in place contracts that require these companies or people to respect the security of your personal information, treat it in accordance with the law, and collect and use it only for the purposes authorised by us.


Our Platform contain links to and from websites, mobile applications and/or services of third parties, and affiliates. Clicking on these links or enabling these connections may allow third parties to collect or share information about you. Please note, we have not evaluated nor control these third parties and are not responsible for the privacy practices of such other parties when you leave our Platform. We recommend you read the privacy statements of every website you visit which collects personal information.


Mint Kulca is based in South Africa and, regardless of where you use or access our Platforms, products or services, your information may be transferred to and maintained on servers located in South Africa or elsewhere in the world.

Any of the information that we collect about you or receive from you is stored in line with South African privacy laws, regulations and standards, which may not be equivalent to the laws in your country of residence.


This version of the privacy policy was last updated on 1 September 2021 and replaces any preceding privacy policies.

We may occasionally update this privacy policy. Any changes we make will be posted on this page and we will notify you of the update in the appropriate manner. When you use our Platforms the version of the privacy policy posted on this page applies to you. We encourage you to review this privacy policy whenever you access our Platforms.