FAQ

This page explains, in plain language, what personal information the Dosh app and website collect, how that information is handled, and how you can request that your account and personal data be permanently deleted. It supplements our full Privacy Policy, which remains the governing document for how we process your information under POPIA.

1. Data We Collect

When you register for and use the Dosh app, we collect:

• Identity information — your full name, South African ID number, and date of birth.
• Contact information — your cellphone number, email address, and physical address.
• Banking & FICA information — your bank account details and supporting FICA documents, such as bank statements.
• Employment & payroll information — your employer, salary, pay cycle, and days worked, provided to us by your employer's payroll system.
• Transaction history — the advances you've requested, fees charged, and repayment records.
• Device & usage information — basic technical data such as device type and app usage, used for security and troubleshooting.

2. How We Handle Your Data

Your data is used only to operate the Dosh service. Specifically, we use it to:

• Verify your identity and confirm you're eligible to use Dosh;
• Calculate how much of your earned wages is available to you;
• Process advance requests and reconcile them with your employer's payroll;
• Detect and prevent fraud, and meet our legal obligations (including FICA); and
• Contact you about your account, advances, and agreements.

We never sell your personal data. It is only shared with your employer (for payroll and wage verification), service providers who help us run the platform, and regulators or authorities where required by law. All data is protected using encryption, access controls, and secure infrastructure.

3. How Long We Keep It

While your account is active, we retain your data to provide the service. Certain financial and transaction records must be retained for a minimum period after your account closes to comply with South African financial record-keeping laws (including FICA), even after you've requested deletion of the rest of your data — see "What Happens After Deletion" below.

5. What Happens After Deletion

Once your deletion request is verified and processed:

• Your profile, contact details, and app access are permanently deleted;
• You will no longer be able to sign in to the Dosh app or website portal; and
• Your employer's payroll integration will no longer share your wage data with us.

As required by South African financial regulations (including FICA), we must retain certain transaction and identity verification records for a statutory minimum period, even after your account is deleted. This retained data is kept solely to meet our legal obligations, is not used for any other purpose, and is deleted once the retention period ends.