Privacy Policy

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Who Is DebtCut?

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DebtCut provides professional debt counselling services to consumers in South Africa. As a Responsible Party or Operator in terms of the Protection of Personal Information Act, 4 of 2013 (POPIA), we are committed to ensuring that your personal information is collected, processed, and protected in accordance with the law.

We process the personal information of our clients, employees, service providers, suppliers, and other stakeholders who are essential to our operations. This Privacy Policy outlines how we handle your personal information, why we collect it, with whom we may share it, and your rights regarding its processing.

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What Personal Information Do We Collect?

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DebtCut collects and processes a wide range of personal information, depending on your interaction with us, including:

• Full names and surnames;
• Contact details (telephone numbers and email addresses);
• Identity numbers;
• Information about the entity you represent;
• Financial information, such as income, expenses, and bank details;
• IP addresses and online activity data.

In addition, we may record telephone calls, email communications, website interactions, and other forms of correspondence for quality assurance, compliance, and operational purposes.

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Why Do We Collect Your Personal Information?

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We collect your personal information for specific, legitimate purposes, including:

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To Contact You

• When you contact DebtCut, our trained consultants ensure your information is securely entered into our systems for authorised access only.
• If we receive your information from a third party, such as a referral or marketing campaign, we will inform you where it came from and confirm your consent to proceed with any engagement.

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To Provide You with Quotes

• When you request a quote, we require certain personal information to tailor our services to your needs.
• Your information is securely processed to create a unique profile for you within our system.

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To Deliver Our Services

• Once you accept a quote and your profile is created, we use your information to perform services as per our agreement.
• We may share your information with authorised third parties (e.g., service providers, brokers, or business partners) to facilitate these services, always ensuring compliance with POPIA.

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To Market Our Products and Services

• For existing clients: We may offer products or services that are aligned with your profile and needs.
• For prospective clients: We may contact you via phone, email, or other channels to share information about our offerings, always respecting your communication preferences.
• Social media and digital platforms may be used to reach potential clients. You can opt out of such communications at any time.

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To Comply with Legal and Regulatory Obligations

• DebtCut is required by law to collect and process certain personal information for compliance purposes.

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How Do We Collect Your Personal

Information?

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DebtCut collects personal information through both Active Processing and Inactive Processing methods:

• Active Processing: When you provide information directly (e.g., submitting a form, contacting us, or engaging in our services).
• Inactive Processing: Using passive methods such as cookies, web beacons, and embedded scripts to collect information during website visits.

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Managing Cookies

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You can set your browser to refuse cookies; however, this may limit functionality on our website.

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Who Do We Share Your Information With?

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DebtCut may share your personal information with:

• Service providers and business partners required to deliver our services;
• Verification agencies for assessing client profiles;
• Data centres, including those located outside South Africa, provided they adhere to equivalent data protection standards.

We ensure that third parties comply with POPIA through binding agreements to safeguard your data.

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Where Is Your Information Stored?

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Your information is securely stored using a combination of cloud-based and on-site systems. Where data is transferred internationally, we ensure that the receiving country offers adequate data protection measures comparable to South African standards.

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How Long Do We Store Your Personal Information?

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We retain your information only as long as necessary to:

• Fulfil the purposes outlined in this Privacy Policy;
• Comply with legal and regulatory obligations; or
• Serve our legitimate business interests.

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What Are Your Rights?

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You have the following rights regarding your personal information:

• Right of Access: Request a copy of the personal information we hold about you.
• Right to Know: Ask about information shared with third parties.
• Right to Update: Correct or update any inaccurate information.
• Right to Object: Object to specific processing activities.
• Right to Lodge Complaints: File a complaint with the Information Regulator if you believe we have violated your privacy rights.

Contact Information Regulator:

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‍JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001
Email: inforeg@justice.gov.za

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Security Measures

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DebtCut employs reasonable technical and organisational safeguards to:

• Protect personal information from unauthorised access or disclosure;
• Prevent data loss, destruction, or damage.

Despite our efforts, no security system is completely foolproof. If you suspect a data breach, contact us immediately so we can take appropriate action.

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How to Contact Us

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If you have questions or concerns about this Privacy Policy or wish to exercise your rights, please contact our Information Officer:

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DebtCut
Email: admin@debtcut.co.za
Phone: +27 (0)66 291 4441
Address: 28A Hereford Street, Groblersdal, South Africa, 0470

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This Privacy Policy reflects DebtCut’s commitment to transparency and the lawful processing of personal information. Updates to this policy will be communicated to ensure ongoing compliance with applicable laws.

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