DebtFreeSA
DebtFreeSA is a financial and debt management firm that partners with various financial institutions within the industry. Please visit our Contact page for our full contact details.
DebtFreeSA is committed to respecting your right to privacy and protecting your personal information. We maintain strict standards to ensure that your personal information is protected in accordance with South African privacy legislation, including the Protection of Personal Information Act (POPIA), as well as our internal policies and procedures.
Information We Collect
When you submit an enquiry through our website or any of our social media platforms, we may collect personal information directly from you, including but not limited to:
- Full name
- Postal address
- Email address
- Identity number
When you apply for Debt Counselling or related services, we may additionally collect:
- Financial information
- Information from your credit providers
- Employment-related information
- Your credit report from accredited credit bureaus
- A copy of your identity document
Please note that we may be unable to provide certain services if required information is not supplied.
Purpose of Information Collection
We collect and process your personal information for the following purposes:
- Conducting financial assessments and verifying your identity in compliance with FICA
- Providing, managing, and administering our products and services
- Communicating with you regarding DebtFreeSA products and services from time to time
- Sending marketing communications via SMS, email, or telemarketing related to DebtFreeSA
- Sending marketing communications on behalf of third-party partners where products or services are relevant to your profile
You may opt out of receiving marketing communications at any time by emailing info@debtfreesa.co.za or contacting us directly.
Storage and Security of Information
The security of your personal information is important to us. We take reasonable technical and organisational measures to protect your information against misuse, loss, unauthorised access, modification, or disclosure.
We retain your personal information for as long as:
- You remain a client of DebtFreeSA, or
- You have opted into our mailing list or subscription services, or
- Retention is required by law.
Use and Disclosure of Personal Information
Your personal information will only be used for the purposes for which it was collected.
Provided that confidentiality is maintained, your personal information may be shared with:
- Parties involved in maintaining, reviewing, or improving our systems, infrastructure, and processes
- Service providers and financial institutions that assist us in delivering our services
- Credit bureaus, the National Credit Regulator, and other entities involved in our normal business operations
Access to Personal Information
You have the right to request access to your personal information. However, access may be denied where:
- It poses a serious threat to the life, health, or privacy of another individual
- The request is frivolous or relates to sensitive decision-making processes
- Access is unlawful or prohibited by applicable authorities
Disclosure to Third Parties
DebtFreeSA may disclose your personal information to third parties in the following circumstances:
- To protect the integrity and security of our services
- To protect DebtFreeSA, our clients, or the public from illegal activities
- To administer our contracts, policies, and legal obligations
- To comply with legal requirements, court orders, or requests from regulatory or state authorities
Your Rights
In terms of South African law, you have the right to:
- Lodge a complaint with the Information Regulator regarding the processing of your personal information
- Not have your personal information processed for direct marketing without your prior consent
- Request correction, deletion, or destruction of inaccurate or unlawfully held personal information
- Request confirmation of whether we hold personal information about you and access such information
- Object at any time to the processing of your personal information for direct marketing purposes
Please note that processing such requests may take up to 14 working days. We may request supporting documentation where required, including documents necessary for FICA compliance.
Changes to This Privacy Policy
DebtFreeSA reserves the right to amend this Privacy Policy and its Terms of Use at any time. Any updates will be published on our website. We encourage you to review this policy regularly to stay informed of any changes.