1. INFORMATION WE COLLECT
We may collect personal information from you in a variety of ways when you interact with our Site.

Personal Information You Provide:

We collect personal information that you voluntarily provide to us when you fill out an application, contact form, or assessment on our site or via other mediums. This information is necessary to provide you with our debt-related services and may include:

• Identity Data: Full names, surname, and ID number.
• Contact Data: Email address, mobile/telephone numbers, and physical address.
• Financial Data: Monthly income, debt amounts, list of creditors, employment status, and other financial details necessary for a debt assessment.
• Consent: Explicit consent to process your information and contact your creditors or credit bureaus on your behalf.
• Information We Collect Automatically: When you access the site, we may automatically collect certain information about your device and browsing activity, such as:
• Log and Usage Data: IP address, browser type, operating system, pages visited, and timestamps.
• Cookies and Tracking Data: We use cookies to help customize the Site and improve your experience. (See Section 5 below).

2. HOW WE USE YOUR INFORMATION
We use the personal information we collect for the following purposes, as permitted by POPIA:

• To Provide Our Services: To assess your financial situation, determine your eligibility for debt review or other debt solutions, and manage your relationship with us.
• To Communicate With You: To respond to your inquiries, send you information about our services, and provide you with updates regarding your application or account.
• Legal Obligations: To comply with legal and regulatory requirements, including but not limited to the National Credit Act (NCA) and POPIA.
• Credit Checks: With your explicit consent, to access your personal and financial information from credit bureaus to provide an accurate financial assessment.
• Site Improvement: To understand how users interact with our Site, to improve our website’s functionality, and for internal analytics.

3. HOW WE SHARE YOUR INFORMATION
We do not sell, trade, or rent your personal information to third parties for marketing purposes. We may share your information with the following parties only in the ways described in this policy:

• Credit Bureaus: With your consent, to retrieve your credit profile.
• Your Creditors: To negotiate on your behalf as part of our debt solution services.
• Payment Distribution Agencies (PDAs): As required for the debt review process.
• Legal & Regulatory Bodies: To comply with court orders, legal processes, or regulatory requirements (e.g., the National Credit Regulator).
• Third-Party Service Providers: We may use service providers (e.g., IT support, hosting) who process information on our behalf. These providers are contractually bound to protect your information and may not use it for their own purposes.

4. DATA SECURITY
We implement a variety of administrative, technical, and physical security measures to protect the confidentiality, integrity, and availability of your personal information. These measures include:

• Secure Socket Layer (SSL) technology to encrypt data transmission.
• Strict access controls, ensuring only authorized personnel can access sensitive data.
• Regular security assessments and updates to our systems.

While we have taken reasonable steps to secure the personal information you provide to us, please be aware that no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

5. COOKIES AND TRACKING TECHNOLOGIES
We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to help customize the Site and improve your experience. When you access the site, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can choose to set your browser to remove or reject cookies but be aware that such action could affect the availability and functionality of the Site.

6. YOUR RIGHTS UNDER POPIA
As a data subject in South Africa, you have the following rights:

• The right to be notified: That your personal information is being collected.
• The right of access: To request a copy of the personal information we hold about you.
• The right to correction: To request that we correct, update, or delete any information that is inaccurate or out of date.
• The right to object: To object to the processing of your personal information.
• The right to complain: You have the right to lodge a complaint with the Information Regulator of South Africa if you believe we are processing your information unlawfully.

To exercise any of these rights, please contact us using the details in Section 9.

7. THIRD-PARTY WEBSITES
The site may contain links to third-party websites. We are not responsible for the privacy practices or the content of such other websites. We encourage you to read the privacy policies of any third-party site you visit.

8. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. The updated version will be indicated by a “Last Updated” date and will be effective as soon as it is accessible. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

9. CONTACT US
If you have questions, complaints, or comments about this Privacy Policy or our data-handling practices, please contact us on info@debtfitsa.co.za.