Privacy Policy

A Legal Disclaimer

Ithuseng Credit Solutions (Pty) Ltd (“ICS”, “we”, “our”, or “us”) is committed to protecting your privacy and ensuring that your personal information is collected, processed, and stored responsibly, in full compliance with the Protection of Personal Information Act 4 of 2013 (POPIA) of South Africa.

This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website or engage with our services.

Information We Collect

We may collect the following types of personal information when you visit our website, complete a form, or interact with us:

Full name, contact details (email, phone number, address)
Identity number or company registration number (if applicable)
Financial information relevant to debt mediation or assessment
Employment and income details (for affordability assessments)
Communication records, including enquiries, forms, and emails

We collect this information directly from you or, where necessary, from authorised third parties such as credit bureaus or employers (with your consent).

How We Use Your Information

Your personal information will be used only for legitimate business purposes, including:

Providing debt mediation, counselling, and credit assessment services
Communicating with you regarding your case or enquiry
Complying with legal and regulatory obligations under the National Credit Act and POPIA
Improving our website, services, and client experience
Conducting statistical and internal reporting (without identifying you personally)

We will never sell, rent, or trade your personal information to third parties.

Information Sharing and Disclosure

We may share your personal information only when necessary to:

Engage registered credit providers, creditors, or relevant institutions to facilitate your case
Comply with legal obligations or requests from regulatory bodies (e.g. the National Credit Regulator)
Partner with verified service providers who assist us in delivering our services (such as IT, legal, or administrative support), under strict confidentiality agreements

All third-party service providers are contractually bound to safeguard your information in accordance with POPIA.

We may share your personal information only when necessary to:

Engage registered credit providers, creditors, or relevant institutions to facilitate your case
Comply with legal obligations or requests from regulatory bodies (e.g. the National Credit Regulator)
Partner with verified service providers who assist us in delivering our services (such as IT, legal, or administrative support), under strict confidentiality agreements

All third-party service providers are contractually bound to safeguard your information in accordance with POPIA.

Data Retention

We retain personal information only as long as necessary to fulfil the purpose for which it was collected or as required by law. Once information is no longer needed, it will be securely deleted or anonymised.

Information Security

We implement reasonable organisational and technical safeguards to protect personal information from loss, unauthorised access, misuse, or disclosure. These include secure servers, encryption, and restricted access controls.

However, while we take reasonable precautions, no data transmission over the internet is completely secure. By using our website, you acknowledge and accept this risk.

Your Rights Under POPIA

Under the Protection of Personal Information Act, you have the right to:

Request access to the personal information we hold about you
Correct or update inaccurate, incomplete, or outdated information
Withdraw consent for processing (where applicable)
Request deletion of your personal information, subject to legal or contractual limitations
Lodge a complaint with the Information Regulator if you believe your data has been mishandled

You can contact the Information Regulator at:
Email: inforeg@justice.gov.za

Website: https://www.justice.gov.za/inforeg/

OUR POPIA POLICY

Cookies and Website Data

Our website may use cookies and similar technologies to enhance user experience, improve site performance, and analyse traffic. You can manage cookie preferences in your browser settings.

Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The latest version will always be available on our website with the updated date indicated at the top of this page.