For the avoidance of doubt, we will at all times collect, maintain, use and retain your information in accordance with the National Credit Act, 2005 (“NCA”).
How we collect data about you and your use of our website
We may collect and process the following data about you:
Uses made of the information
We use information held about you in the following ways:
Information you give to us (or we collect from credit bureau] or other third parties on your behalf as part of our services.
We will use this information to:
Information we collect about you.
We will use this information:
Information we receive from other sources
We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above.
We may monitor or record telephone conversations or other communications between you and us. We will use these recordings or transcripts of them to check your instructions to us, analyse, assess and improve our services to customers, for training and quality purposes and for the purposes of investigating any complaint you may make, or as evidence in any dispute or anticipated disputes between you and us.
Who your data can be disclosed
Disclosure of your data to others may be necessary to ensure the smooth provision to you of the products, services and information you request. Your data may be disclosed to the other entities as described below.
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.
We may share your information with selected third parties including:
We may disclose your personal information to third parties if:
If you register to use our services we will obtain on your behalf, in accordance with our Terms, copies of your credit report and credit score from designated credit bureau. In order to provide these services to you, we will share your information with such credit bureau.
Credit bureau collect and maintain information about consumers’ and businesses’ credit behaviour. This includes Electoral Roll, fraud prevention, and credit information (including details of previous applications and the conduct of your bank accounts) and public information such as judgments, and bankruptcies. Credit bureau may form a link between any previous or subsequent names that you use in the records they hold about you.
The information that organisations provide to credit bureau about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and us to:
We have processes and systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. Other organisations may also access and use this information to prevent fraud and money laundering, for example when:
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Direct marketing and how you can change your preference
We offer you the opportunity to receive information from us. We will normally send direct marketing by email if we have your email address, but may choose to contact you via other methods such as telephone or SMS or mail.
If you would like us to stop sending direct marketing to you, we offer simple ways to do this. Whenever you receive direct marketing you will be told how to unsubscribe.
If you consented to receive marketing communications when you registered for our website or services, you can contact us on 086 999 0952 to easily switch off all marketing emails.
Where we store your data:
All information you provide us with is stored on our secure servers.
The transmission of information via the internet may not always be completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access, loss or damage.
How long we keep your information for:
How long we keep your information will depend on the purpose for which we use it. We will only retain your information for as long as is necessary for those purposes.
Please note that if you withdraw consent to the processing of your personal data, access to our website and the associated services will be suspended or terminated. We will keep an archived record of your personal data for a period of up to 7 years after termination (unless a longer period is prescribed by law) for the purposes of responding to legal disputes and legal or regulatory enquiries or investigations only, but will not use this data for any other purpose.
Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Requesting a copy of your personal information
You may at any time request us to confirm whether we hold information about you. We will respond to such a request at no charge. You may request a copy of any personal data about you held by us, and details of any third parties who have or have had access to your information. We will respond within a reasonable time.
Any access request may be subject to a fee prescribed by the applicable data protection law in order to meet our costs in providing you with details of the information we hold about you. If a fee is payable, you may request an estimate of the fee before requesting a copy of your personal information. We may require you to pay a deposit for all or part of the fee.
The request must be in writing and must contain the following:
Please send your request to:
Data Protection Manager Kudough Credit Solutions Proprietary Limited, 1st Floor ,The Reserve, 130 Adderley Street, Cape Town, South Africa, 8001
We reserve the right to make changes to our Cookies Policy. Any changes we may make to our Cookies Policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Cookies Policy. Your continued use of our website is taken as your agreement to any such changes.
Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Your web browser (such as Internet Explorer, Mozilla Firefox, Google Chrome or Safari) then sends these cookies back to our website [or application] on each subsequent visit. Cookies do not contain any information that personally identifies you.
We may also combine this web usage data with other information we have collected about you. We store this information so that we have a better and more specific understanding of the way users are using our website, and their preferences and interests, for the purposes set out above.
Cookies may be either “persistent” cookies or “session” cookies, depending on how long they are used.
Persistent cookies remain on your device after you have closed your browser, and allow a website to remember your actions and preferences. They are activated each time you visit the website where the cookie was generated. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device. They are stored by the browser and remain valid until their set expiry date (unless deleted by the user before the expiry date).
Session cookies only last for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.
Many of the cookies we use are session cookies. For example, they help us to ensure the security of your session, and can also keep you signed in to your Kudough account while you move between pages.
More about the cookies we use
Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below. Third party cookies: In some cases, some of these cookies are managed for us by third parties, but we don’t allow the third party to use the cookies for any purpose other than those listed above. Strictly necessary cookies
These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website such as your Kudough account.
These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
In order to keep our products and services easy to use and up-to-date, we use web analytics services to help us understand how people use our website. For example we can see which parts of our services are most popular, identify when errors occur and test different versions of a page or feature to see which one works best. These web analytics services may be designed and operated by other companies on our behalf. They do this using small invisible images known as “web beacons” or “tracking pixels” that may be included in the digital products and services on our website. These are used for example to count the number of times something has been seen. These web beacons are anonymous and do not contain or collect any information that identifies you.
Cookies we use
Below is a full list of the cookies we use together with a description of what they are used for, and whether they are ‘first’ or ‘third’ party. Where a cookie is a third party cookie, please visit the providers’ website for more information.
Google Analytics and Google Tag Manager
These are third party cookies used to track visitors and collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. No personally identifiable information is stored. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the website and the pages they visited.
These third party cookies allow us to understand site usage and provide a better customer experience
Turning cookies off
In all modern browsers you may elect to reject cookies and/or enable do not track features, and we provide instructions on how to do this below. Please note however that by doing so parts of our website may no longer function as expected. For example, if you delete cookies any preferences they record will be lost. This includes for example where you have opted out from cookies, as this requires an opt-out cookie to be set.
If your concerns are based around third party cookies, then we recommend you just reject those cookies, rather than all cookies so that we can still provide you with the functionality you expect.
If you do wish to stop your browser from accepting cookies, see the following pages:
Internet Explorer: http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
If you have any questions about this Policy, please contact us on firstname.lastname@example.org