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Privacy Policy | CS Debt Counselling

Introduction

Last Updated: April 09, 2025

At CS Debt Counselling, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your data when you interact with us, including through our website (https://www.csdebt.co.za), contact forms, or debt counselling services. By using our services, you agree to the practices outlined below. If you have questions, please contact us using the details at the end of this policy.

1. Information We Collect

We collect personal information to assist you with debt counselling, including transfer requests. This may include:

  • Contact Details: Your full name, phone number, and email address (if provided) when you fill out our forms or contact us.
  • Debt Review Information: Details about your current debt review status (e.g., court orders or debt review orders) to assess your needs.
  • Optional Information: Any additional details you share (e.g., via the “Tell us more” form field) to help us understand your situation.
  • Technical Data: Automatically collected data like your IP address, browser type, and device information when you visit our website.

Why We Collect It: This information helps us provide tailored debt counselling support, process transfer requests, and communicate with you effectively.

2. How We Use Your Information

We use your data for the following purposes:

  • To respond to your inquiries and process your transfer or debt counselling requests.
  • To assess your current debt review plan and offer guidance where possible.
  • To contact you via your preferred method (e.g., phone, email, or video call) to discuss your needs.
  • To comply with legal obligations, such as those under the National Credit Act (NCA) or POPIA.
  • To improve our website and services (e.g., analyzing usage trends anonymously).

Legal Basis: We process your data with your consent (e.g., form submission), to fulfill our service contract with you, or to meet regulatory requirements.

3. How We Protect Your Information

We take your privacy seriously and implement reasonable security measures, including:

  • Storing data on secure servers with restricted access.
  • Using encryption for sensitive communications where applicable.
  • Limiting access to your information to authorized, trained staff only.

While we strive to protect your data, no system is 100% secure. We’ll notify you promptly if a data breach occurs that affects your information.

4. Sharing Your Information

We do not sell or rent your personal information. We may share it only with:

  • Creditors or Debt Counsellors: To facilitate your debt review transfer or payment plan adjustments, as required by the debt counselling process.
  • Legal Authorities: If mandated by law or to comply with NCR regulations.
  • Service Providers: Third parties (e.g., IT support or communication tools) who assist us, bound by confidentiality agreements.

We ensure any third party complies with POPIA and uses your data only for the intended purpose.

5. How Long We Keep Your Information

  • We retain your data only as long as necessary to provide our services (e.g., during your debt review process) or as required by law (e.g., NCA record-keeping rules).
  • Typically, this is up to 5 years after our last interaction, unless you remain an active client or legal obligations extend this period.
  • After this, we securely delete or anonymize your information.

6. Your Rights

Under POPIA, you have the right to:

  • Access: Request a copy of the personal information we hold about you.
  • Correct: Ask us to update inaccurate or incomplete data.
  • Delete: Request removal of your data, unless we’re legally required to keep it.
  • Object: Opt out of certain uses (e.g., marketing, though we don’t currently do this).
  • Withdraw Consent: Stop us from processing your data where consent is the basis, though this may affect our ability to assist you.

To exercise these rights, contact us using the details below.

7. Cookies and Website Tracking

Our website may use cookies to improve your experience (e.g., remembering form preferences) and analyze usage (e.g., via Google Analytics). These collect minimal data like your IP address anonymously. You can disable cookies in your browser settings, though this may limit site functionality.

8. Changes to This Policy

We may update this Privacy Policy to reflect legal or operational changes. The “Last Updated” date at the top will change, and we’ll notify you of significant updates via email or a website notice if you’re an active client.

9. Contact Us

If you have questions, concerns, or want to exercise your rights, reach out to us:

  • Email: [Insert your email, e.g., info@thecsgroup.co.za]
  • Phone: +27573524115
  • Physical Address: 149 Constantia Street, Dagbreek, Welkom, 9459

We aim to respond within 30 days, as per POPIA guidelines.