Freedom Debt Consulting (“we”, “our”, “us”) is committed to protecting your privacy and ensuring that your personal information is collected and processed responsibly in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”) of South Africa.
This Privacy Policy explains how we collect, use, store, and protect your information when you use our website or engage our debt counselling and debt review services.
1. Information We Collect
We may collect the following personal information:
- Full name and surname
- South African ID number or passport number
- Contact information including phone number and email address
- Residential and postal address
- Employment and income information
- Banking and financial information
- Credit and debt-related information
- Information submitted through website forms or consultations
2. How We Use Your Information
Your information may be used for the following purposes:
- Assessing your financial situation
- Providing debt counselling and debt review services
- Communicating with you regarding your application or account
- Negotiating with credit providers on your behalf
- Submitting applications to relevant parties and regulators
- Improving our services and website functionality
- Complying with legal and regulatory obligations
3. Sharing of Information
We may share your personal information where necessary with:
- Credit providers and financial institutions
- Payment Distribution Agencies (PDAs)
- Attorneys and legal representatives
- Credit bureaus
- The National Credit Regulator (NCR)
- Third-party service providers assisting with our operations
We do not sell or rent your personal information to third parties.
4. Protection of Personal Information
We implement appropriate technical and organizational security measures to protect your personal information against:
- Unauthorized access
- Loss or theft
- Misuse or disclosure
- Alteration or destruction
While we strive to protect your information, no method of electronic transmission or storage is completely secure.
5. Cookies and Website Usage
Our website may use cookies and analytics tools to improve user experience and monitor website performance. Cookies help us understand how visitors interact with our website.
You may disable cookies in your browser settings if preferred.
6. Your Rights Under POPIA
In accordance with POPIA, you have the right to:
- Access your personal information
- Request correction or deletion of inaccurate information
- Object to certain types of processing
- Withdraw consent where applicable
- Lodge a complaint with the Information Regulator
7. Retention of Information
We retain personal information only for as long as necessary to:
- Provide services to you
- Meet legal and regulatory obligations
- Resolve disputes and enforce agreements
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external websites.
9. Updates to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Changes will be published on this page with an updated effective date.
10. Contact Information
If you have any questions regarding this Privacy Policy or the processing of your personal information, please contact us:
Freedom Debt Consulting
South Africa
Phone: +27 63 103 8079
Email: [Insert Email Address]
Website: https://www.freedomdc.co.za