Privacy Policy

Privacy Policy

Infinite Debt Solutions  (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, and protect your personal information in compliance with the Protection of Personal Information Act (POPIA) of South Africa.

 

  1. Information We Collect

We collect and process the following types of personal information:

  • Identification Details: Full name, ID number, and contact information (phone number, email address, and physical address).
  • Financial Information: Income, expenses, debts, credit reports, and banking details.
  • Supporting Documents: Payslips, proof of residence, and other documents required for the debt review process.
  • Communication Records: Emails, phone calls, and messages exchanged with us.

 

  1. How We Collect Your Information

We collect personal information in the following ways:

  • When you complete and submit our application forms.
  • Through communication channels such as email, phone, or in-person meetings.
  • From third parties, such as creditors, credit bureaus, and other financial institutions, where legally permissible.
  • Through our website or digital platforms when you fill in forms, submit inquiries, or use our services.

 

  1. Purpose of Processing Personal Information

We collect and process your personal information for the following purposes:

  • To provide debt review services and assess your financial situation.
  • To negotiate with creditors on your behalf.
  • To comply with legal and regulatory requirements under the National Credit Act.
  • To communicate with you regarding your debt review process.
  • To improve our services and manage our relationship with you.

 

  1. Sharing Your Information

We may share your personal information with the following parties where necessary:

  • Creditors: For the purpose of debt negotiations and arrangements.
  • Credit Bureaus: To access your credit history and update your debt review status.
  • Regulatory Authorities: To comply with legal or regulatory obligations.
  • Service Providers: Third-party companies that assist us in delivering our services, such as IT support or payment processors.

We will not sell, rent, or disclose your personal information to third parties for marketing purposes without your consent.

 

 

  1. Protecting Your Information

We take appropriate technical and organizational measures to safeguard your personal information from unauthorized access, loss, misuse, or alteration. These measures include:

  • Secure data encryption for electronic information.
  • Restricted access to sensitive data.
  • Regular monitoring and auditing of our systems for vulnerabilities.
  • Secure storage and disposal of physical documents.

 

  1. Your Rights

As a data subject under POPIA, you have the following rights:

  • Access: Request access to the personal information we hold about you.
  • Correction: Request that we correct or update inaccurate or incomplete information.
  • Erasure: Request deletion of your personal information, subject to legal or regulatory obligations.
  • Objection: Object to the processing of your personal information for certain purposes.
  • Data Portability: Request a copy of your personal information in a structured format.

To exercise any of these rights, please contact us using the details provided below.

 

  1. Retention of Information

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Once no longer required, your information will be securely deleted or anonymized.

 

  1. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the “Effective Date” will be updated accordingly. We encourage you to review this policy periodically.

 

  1. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us.

 

Acknowledgment

By engaging our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, processing, and sharing of your personal information as outlined above.