Terms and Conditions & Privacy Policy
1. Introduction:
Welcome to CreditSmart Financial Services. By providing your details to us, you’re agreeing to these terms. Please read them carefully.
2. Data Collection:
2.1 By utilizing our platform, you expressly grant consent for us to collect the following personal information: name, surname, phone number, email address, ID number (in specific cases), and any additional financial, income, and employment details you may provide in the future.
2.2 This information is collected for the explicit purpose of catering to your inquiries about our services.
3. Data Usage:
Your personal data will be exclusively employed to:
3.1 Furnish financial advice tailored to your circumstances;
3.2 Disseminate educational content;
3.3 Extend our range of service offers to you.
4. Data Sharing:
4.1 We pledge our commitment to preserving the confidentiality of your personal details. Your information will be shared only with affiliated or subsidiary companies directly linked to our service offerings, and always with your informed consent.
4.2 Under no circumstances will we share your data with unrelated third parties.
5. Data Storage & Security:
5.1 We value the security and integrity of your data. It is safely stored on secure cloud servers with stringent security protocols.
5.2 Access is restricted to specific authenticated CreditSmart personnel.
5.3 In adherence to the POPI Act, we have put comprehensive data protection measures in place.
6. Data Retention:
Your personal data is retained only for the duration it is required to fulfil the services you’ve inquired about. Post this period, regular data audits ensure non-essential data is expunged in accordance with the principles of the POPI Act.
7. User Rights:
In alignment with the POPI Act:
7.1 You reserve the right to access your personal data stored with us.
7.2 You can request rectifications to any inaccuracies in your data.
7.3 You may also petition for the erasure of your data. Direct such queries to info@creditsmart.co.za.
8. Cookies & Trackers:
8.1 Our website deploys cookies and trackers to augment user experience, analytics, and content personalization.
8.2 Comprehensive details about our cookie usage can be gleaned from our dedicated Cookie Policy.
9. Dispute Resolution:
Should concerns about your data or our services arise, initiate contact with our data protection officer at complaints@creditsmart.co.za. We emphasize a resolution-driven approach, ensuring your concerns are addressed diligently.
10. Limitation of Liability:
While we strive for excellence, we cannot be held liable for damages or losses emanating from unforeseen breaches or data misuse beyond our stated service promises.
11. Age Restrictions:
Our services are curated for legal adults, age 18 and older. By sharing your details, you affirm this age stipulation.
12. Updates & Modifications:
12.1 We reserve the right to intermittently modify these terms, adapting to evolving regulatory and operational needs.
12.2 Material changes will be promptly communicated to our users.
Consent for Contact & Access to Credit DataBy furnishing your details to CreditSmart Financial Services:
A) You explicitly consent to be contacted by our teams or affiliated entities via phone, email, or other platforms congruent with the services you’ve shown interest in.
B) You unambiguously authorize CreditSmart Financial Services to access, process, and store your credit profile data, inclusive of your credit score and related information available through credit bureaus. For any additional inquiries or clarifications regarding these terms, please get in touch with us.