Privacy Policy
Privacy Notice
Effective Date: 10 January 2025
This notice explains how Debt Check collects, uses, shares, and protects your personal information. We may update this notice occasionally, and we will notify you of any significant changes.
If you have any questions, please contact us at info@debtcheck.co.za.
- Information We Collect
When you use our services, including completing any form on our website, we collect personal information directly from you. This may include:
- Your full name
- Contact details (email address, phone number)
- ID number
- Employment and income details
- Address and marital status
- Number of dependents
- Financial and credit information
If you interact with us via email, phone, WhatsApp, or chat, we may retain those communications.
We may also receive your details from marketing service providers who operate on our behalf — only if you consented to be contacted.
- How We Use Your Information
We use your information to:
- Provide debt review and financial services
- Assess your financial profile as required by the National Credit Act (35 of 2005)
- Communicate with you regarding your application or our services
- Send you service-related and promotional messages via SMS, email, or calls
- Recommend relevant financial products based on your credit profile
You may opt out of marketing communication at any time by emailing us at info@debtcheck.co.za.
- When You Apply for Debt Counselling
As part of a formal debt review process, we are required to collect additional personal and financial information, including:
- ID and employment details
- Monthly expenses and liabilities
- Credit report and score from registered credit bureaus
- Details from your credit providers or their legal representatives
- Website Data & Cookies
When you visit our website, we automatically collect technical data through cookies, such as:
- Device type and operating system
- Location data (if enabled)
- Time spent on pages and links clicked
- Browser type and access time
You can manage your cookie preferences in your browser settings or learn more at www.allaboutcookies.org. Disabling cookies may affect site functionality.
- Sharing Your Information
Your data is shared only:
- With trusted service providers (e.g. IT, SMS, legal and administrative partners)
- With affiliated companies, only where necessary to deliver our services
- With regulatory bodies, credit bureaus, and credit providers, as required by law
- With third-party marketing partners, but only if you consent
- Legal Disclosures
We may disclose your personal information:
- To comply with legal or regulatory obligations
- To protect our legal rights, services, or users
- In response to lawful government requests
- As part of due diligence or transfer in a business merger or acquisition
- Data Retention
We retain your information only as long as needed to:
- Fulfill the purpose for which it was collected
- Meet legal, contractual, or regulatory obligations
- Provide ongoing services to you
If you unsubscribe or cancel our services, we retain your data for no longer than legally necessary.
- Your Rights
Under POPIA, you have the right to:
- Request access to the personal information we hold about you
- Ask who we’ve shared your information with
- Correct or update your information
- Object to processing of your data
- Withdraw consent for direct marketing
- Lodge a complaint with the Information Regulator (SA)
To exercise any of these rights, contact us at info@debtcheck.co.za.
We may require proof of identity and up to 21 working days to process your request.
- Security
We implement industry-standard security measures to protect your data from unauthorized access, loss, or misuse. If you suspect a security breach involving your information or our system, please notify us immediately at info@debtcheck.co.za.
