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Last Updated: March 17, 2025

At CS Debt, we respect your privacy and are committed to protecting your personal information in line with the Protection of Personal Information Act (POPIA) and other applicable South African laws. This Privacy Policy explains how we collect, use, store, and safeguard your data when you interact with us through our website (www.csdebt.co.za), forms, emails, or phone calls.

1. Information We Collect

We may collect the following types of personal information:

  • Contact Details: Name, email address, phone number.
  • Financial Information: Debt amount, creditor details (only if provided by you).
  • Technical Data: IP address, browser type, and usage data (via website analytics).
  • Other: Any additional details you share during consultations or inquiries.

We collect this information when you:

  • Fill out forms on our website (e.g., free consultation requests).
  • Contact us via email, phone, or social media.
  • Visit our website (automatically collected data).

2. How We Use Your Information

We use your personal information to:

  • Provide debt assistance services, including assessing your situation and negotiating with creditors.
  • Respond to your inquiries or consultation requests.
  • Send you updates, tips, or offers related to debt relief (only with your consent).
  • Improve our website and services (e.g., analytics).
  • Comply with legal obligations under POPIA and the National Credit Act (NCA).

3. Legal Basis for Processing

We process your data:

  • With your consent (e.g., when you submit a form).
  • To fulfill a contract (e.g., providing debt review services).
  • For legitimate interests (e.g., improving our services), unless it overrides your rights.
  • To meet legal requirements (e.g., record-keeping under the NCA).

4. How We Protect Your Information

We take your privacy seriously and use reasonable measures to keep your data safe:

  • Secure storage on encrypted servers.
  • Access limited to authorized CS Debt staff only.
  • Regular reviews of our security practices.

5. Sharing Your Information

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

  • Creditors or credit bureaus: Only as needed to assist with your debt review or negotiations, with your permission.
  • Service Providers: Trusted third parties (e.g., IT support, CRM tools like Odoo) who follow POPIA and act under our instructions.
  • Legal Authorities: If required by law or to protect our rights.

6. How Long We Keep Your Information

We retain your data only as long as necessary:

  • For active clients: During the debt assistance process and as required by the NCA (typically 5 years after completion).
  • For inquiries: Up to 1 year, unless you become a client or request deletion.
  • Analytics data: Anonymized and kept indefinitely.

7. 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 data.
  • Delete: Request removal of your data (unless we’re legally required to keep it).
  • Object: Opt out of marketing or challenge certain uses of your data.
  • Withdraw Consent: Stop us from processing your data where consent was the basis.

To exercise these rights, contact us at marketing@csdebt.co.za or 057 352 4115. We’ll respond within 30 days.

8. Cookies and Tracking

Our website may use cookies to improve your experience (e.g., analytics via Odoo). These are small files stored on your device. You can disable cookies in your browser settings, but it may affect how the site works. We don’t use cookies for targeted ads without your consent.

9. Third-Party Links

Our website may link to external sites (e.g., credit bureaus). We’re not responsible for their privacy practices—please review their policies if you visit them.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted here with the “Last Updated” date. Check back periodically.

11. Contact Us

Questions or concerns? Reach out: