Cookies policy

1. What cookies and similar technologies are

Cookies are small text files that a website stores on your device (for example your computer, laptop, tablet, or mobile phone) when you visit or return. Similar technologies include local storage, session storage, pixel tags, and scripts that perform a comparable role. Together, they can help the site function, remember preferences, measure traffic, or support security.

Under the Protection of Personal Information Act, 2013 (POPIA), information collected by means of cookies can constitute personal information where it relates to an identifiable living person. This Cookies Policy should therefore be read with our Privacy Policy and—where relevant—with our POPIA summary.

2. Scope of this policy

This policy applies to visitors to this marketing website operated for or on behalf of Mepho Pay Day Loans on the domain where it is published. Our online credit application, customer portal, or other hosted services may set additional cookies and use separate privacy and cookie notices—you should review those when you sign in or apply there.

3. Types of cookies and purposes

We group cookies into the following categories for transparency and consent:

3.1 Strictly necessary

These cookies are essential for the Site to work, for example to maintain security, distribute traffic across servers, or remember that you have made a choice in the cookie banner. In many cases they are placed on the basis that they are strictly necessary to provide the service you actively request from us.

3.2 Functional

These cookies remember choices you make—such as display language where we offer it—so the Site can give you a more consistent experience. They are only activated if you consent to the functional category (unless a strictly necessary exemption applies in a specific case).

3.3 Analytics and performance

These cookies help us understand how visitors use the Site (for example which pages are viewed, approximate geography at country or city level, and whether error pages appear). We use such data only in line with this policy and your choices. Analytics cookies are optional and require your consent before we activate them, except where law and our hosting setup treat a very limited subset as strictly necessary (in which case we document that decision).

3.4 Session and persistent cookies

A session cookie is typically removed when you close your browser. A persistent cookie remains for a defined period (or until you delete it) and may be used to remember return visits or saved preferences where you have agreed.

4. First-party and third-party cookies

First-party cookies are set by us or our hosting or service providers acting on our technical instructions when you visit this domain. Third-party cookies are set by another entity (for example an analytics or video provider if we embed their content). Those entities act under their own privacy documents; we encourage you to read them where non-essential third-party cookies are introduced.

5. Cookie consent on our website

The first time you open any page on this Site in a given browser, we show a cookie preferences dialogue. You can accept all optional categories, reject non-essential cookies (keeping only what is strictly necessary for the Site and for remembering your choice), or open manage preferences to switch functional and analytics cookies on or off individually before saving.

You can reopen the tool at any time using the Open cookie preferences button on this Cookies Policy page. Closing the dialogue by the backdrop or close control before you have previously saved a choice is treated the same as reject non-essential, so that only necessary processing runs until you positively choose otherwise.

6. How we record your choice

We store your consent status in local storage in your browser (a small data record on your device) under a key specific to this Site, including which optional categories you allowed and the time of your last update. That record is read when you load a page so we do not repeatedly ask you on every visit. Clearing site data in your browser will remove the record and you will see the dialogue again on your next visit.

7. Withdrawing consent and changing your mind

You may withdraw consent to optional cookies or adjust categories at any time through the same cookie tool. Changes apply from the moment you save them. Older analytics or functional cookies set before you opted out may persist in your browser until their expiry date or until you delete them manually—see your browser help for steps.

8. Lawful basis and marketing

We do not use optional cookies to profile you for unsolicited direct marketing on this brochure site without a separate lawful basis. If we introduce advertising or social media pixels in future, we will update this policy, the consent dialogue, and—where required—seek fresh consent before activation.

9. Browser controls and device settings

Most browsers let you block or delete cookies and site data through settings or help menus. Blocking all cookies can affect logging in and features on many websites. Mobile devices may offer additional tracking or advertising controls in system settings.

10. Do Not Track

Some browsers send a "Do Not Track" signal. South Africa does not currently impose a single statutory response to that signal. We address privacy through POPIA, this policy, and the explicit choices you make in our cookie tool.

11. Security and retention of preference data

The consent record stored locally on your device is not transmitted to us automatically simply because it exists; our servers may still receive ordinary web logs (for example IP address for security) as described in the Privacy Policy. We retain server-side logs in line with security and legal retention requirements separate from this cookie choice file.

12. Changes to this Cookies Policy

We may update this policy when we change our website technology, introduce new optional tools, or when regulators issue guidance we need to reflect. The "Last updated" date above will change and—where the change is material—we may show the cookie dialogue again or a short notice so you can reconsider your choices.