My Debt Hero

My Debt Hero Privacy Policy

We care about your privacy and personal information.

This privacy policy is produced by My Debt Hero (Pty) Ltd (and in this privacy policy “we/us/our” shall be construed as reference to My Debt Hero (Pty) Ltd as an illustration of our commitment to your privacy. The policy concerns your use of our website, which is located on the World Wide Web at www.mydebthero.co.za “Website”).

Certain parts of Our Website use “cookies” to keep track of your visit and to help you navigate between sections. This enables us to deliver content that is specific to your interests and gives us an idea of which parts of Our Website you are visiting. A cookie is a small data file that certain Websites write into your hard drive when you visit them.

A cookie file can contain information such as the pages you have visited. This means that your visit will be tracked, but that for all intents and purposes, you remain anonymous. The only personal information we collect is information that you, as a visitor, supply to us willingly.

Our Website has numerous security measures in place to protect the loss, misuse and alteration of the information under our control, such as passwords and firewalls.

We cannot, however, guarantee that these measures are, or will remain, adequate. We do, however, take data security very seriously and will use all reasonable endeavours to protect the integrity of the information you provide.

Our Website may, from time to time, contain various links to other websites. Please be aware that we have no control over the privacy policies operated by such linked sites. We, therefore, accept no liability for the privacy policies of such sites or for the treatment of information provided by you to or on such sites.

My Debt Hero (Pty) Ltd understands that your privacy is important and if you do choose to give us your contact details rest assured you will not be sacrificing your privacy or leaving yourself open to floods of spam mail. Your rights as a consumer will be protected, and we will not give out your details to any third parties. By giving us your details, we will keep you up-to-date with the latest developments from My Debt Hero (Pty) Ltd; you are, however, free to unsubscribe from any correspondence by clicking the unsubscribe link that will accompany every mailer. If you wish to edit or remove your information from our database, please contact accounts@mydebthero.co.za.

I hereby authorise My Debt Hero (Pty) Ltd (and any of its affiliate partners and brands within the group) to conduct any enquiry necessary to process my application, including a credit bureau reference check. I agree that My Debt Hero (Pty) Ltd or selected third parties may offer me products or services that may interest me via phone, email, mobile or other means and will always include the opportunity to opt out of receiving further offers.

If you have questions about the information we hold or how we use it, please contact us via email at:

accounts@mydebthero.co.za

Marketing

Part of the business of https://mydebthero.co.za includes marketing and involves the collection of Personal Information from individuals who may be interested in a specific type of service.

We use advertising, for example, on social media sites, to attract individuals that may be suited for the business products or services that we provide. We are upfront and open about what we do, and this Privacy Policy sets out how we collect your personal data, what we do with it, how we handle it, how we keep it safe, and how long we store it for. We believe that transparency is important, and we strive to do our best to protect your personal information in accordance with this Privacy Policy.

 

Definitions

When we talk about ‘us’, we mean https://mydebthero.co.za. We are the operator of this website. When we talk about ‘you’, we mean the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website.

‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.

It is very important to us to protect your personal data and to use it strictly in adherence with applicable privacy and data protection laws.

 

Staying anonymous

You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.

 

Collection of data

We collect personal data about you when you give it to us or explicitly consent for it to be given to us. This generally occurs when you complete an online form, survey, quiz, or questionnaire in which case you have chosen to consent to the collection of your personal data.

We collect and process the minimum amount of information we need to be able to contact you about our services and deliver effectively to you the service you have expressed interest in, or to fulfil a service contract, or to meet a legal obligation. How much data we collect depends on the type of service you have expressed an interest in. This information can include:

  • your first name and last name
  • your email address
  • your phone number
  • your postal address
  • your gender and age
  • your employment status
  • if you are a homeowner and, if so, your property value and how much you owe
  • And financial lenders you may have had in the past
  • other debts you have such as council tax debts or personal debts
  • if you’re registered with any insurance providers and, if so, we may enquire about details of the scope of your current contract
 

We will not seek sensitive personal data from you, such as health details or information revealing your religious beliefs or ethnic origin.

Other than those listed above, we do not collect financial information relating to you, such as bank card details.

 

Cookies

We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences and to enable you to contact us directly from the website. Cookies may also be used to optimise website speed for your convenience, to allow you to customise our web pages, and so that you do not have to keep filling in your details repeatedly. We may collect information about your IP address and how you used our site.

That data collected by cookies does not usually identify you, but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs or to invite you to purchase one of our services.

 

Use of data

It allows us to align our products and services as closely as possible to your needs and situation. We may then contact you to offer or market our services to you.

We process and treat your personal data in accordance with this privacy policy.

We may also process your usage data (your IP address, geographical location, the manner in which you used our site, etc) for our legitimate business purpose of monitoring and improving our website.

We will also disclose your personal data where legally compelled to do so.

Storage and disclosure of information

The personal data you provide to us is stored privately with strict security to ensure data protection, integrity, and confidentiality. While we do our best to ensure the security of your data, no storage is 100% secure, and we cannot guarantee the safety of your data.

Data is deleted from our storage every 90 days. This means, that if we have collected your personal data, we will delete it within 91 days.

 

Collection of data of minors

We do not intend to collect the personal data of persons under the age of 13. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information in the schedule below).

 

Data rights

At your request, we will tell you what personal data about you is being processed, on what basis, and by whom. If you decide your data should not be processed for one or more purposes, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible however such a request will not take effect immediately and you may still be contacted in the meantime.

You may amend inaccurate, incomplete, or outdated personal data at any time by applying directly to us using the contact information listed under the “Contact us” section below.

You may also request that all personal data we have collected about you be deleted from our records and erased from information stored by any third-party organisation processing data on our behalf. 

If data we have collected about you is processed using automated means, you have the right to receive that data in a structured, machine-readable format and to transmit it to another data controller without hindrance.

 

Contact us

Please let us know if you have any requests, feedback or concerns regarding the way we manage your personal data. Use the contact details listed in the below schedule. We will respond to you within 30 days and take action, within reason, as quickly as possible.

If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office, which in the RSA is the Information Office Commissioner.

 

Changes to this Privacy Notice

It is important to us that our privacy notice is regularly reviewed, and we will do so to keep it relevant and up to date with changing laws. We will notify you of any changes by posting the new policy on this page. This privacy policy was last updated on 14 October 2022.

 

Our contact details

If you have questions about your information we hold or how we use it, please contact us via email at:

accounts@mydebthero.co.za

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