Privacy Policy

1. Introduction

PureDebt Solutions ("we," "us," or "our") is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa.

By using our website or services, you consent to the collection and use of your personal information as described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

2. Responsible Party

In terms of POPIA, PureDebt Solutions is the "Responsible Party" for the personal information we collect and process.

3. Personal Information We Collect

We may collect the following categories of personal information:

4. How We Collect Personal Information

We collect personal information through:

• • Directly from you when you complete our contact forms, request assessments, or communicate with us
• • Through our website when you visit, browse, or interact with our services
• • Via phone calls, WhatsApp messages, or email communications
• • From third parties (with your consent) such as credit bureaus or creditors when necessary for debt review removal services

5. Purpose of Processing Personal Information

We process your personal information for the following lawful purposes:

• • Service Delivery: To provide debt review removal assessment and services, communicate with you about your case, and process your requests
• • Legal Compliance: To comply with applicable laws, regulations, and legal obligations
• • Communication: To respond to your inquiries, provide customer support, and send important updates
• • Business Operations: To improve our services, conduct analytics, and manage our business operations
• • Security: To protect against fraud, unauthorized access, and ensure the security of our systems

6. Legal Basis for Processing

Under POPIA, we process your personal information based on the following legal grounds:

• • Consent: You have given explicit consent for specific processing activities
• • Contract Performance: Processing is necessary to perform a contract or take steps before entering into a contract
• • Legal Obligation: Processing is required to comply with legal obligations
• • Legitimate Interests: Processing is necessary for our legitimate business interests, provided these do not override your rights

7. Sharing and Disclosure of Personal Information

We may share your personal information only in the following circumstances:

• • Service Providers: With trusted third-party service providers who assist us in operating our business (e.g., IT services, email services), subject to confidentiality agreements
• • Creditors and Debt Collectors: When necessary for debt review removal services, we may communicate with creditors or debt collection agencies on your behalf
• • Legal Requirements: When required by law, court order, or government regulation, or to protect our rights and the rights of others
• • With Your Consent: We may share information with other parties when you have given explicit consent

8. Security Measures

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

• • Encryption of data in transit and at rest
• • Secure servers and databases with restricted access
• • Regular security assessments and updates
• • Staff training on data protection and confidentiality
• • Access controls and authentication measures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

9. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law:

• • Active Clients: Information is retained for the duration of our service relationship and as required for ongoing services
• • Legal Requirements: We may retain certain information as required by law, regulation, or for legal proceedings
• • Inactive Records: After services are completed, we retain records for a reasonable period as required by law and business needs, then securely dispose of them

10. Your Rights Under POPIA

You have the following rights regarding your personal information:

11. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your experience. Cookies are small text files stored on your device that help us remember your preferences, analyze website traffic, and improve functionality.

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

12. Contact Information and Information Officer

For any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

13. Complaints Process

If you believe we have not handled your personal information in accordance with POPIA, you have the right to lodge a complaint:

1. First, contact us directly using the contact information above. We will investigate and respond to your complaint within a reasonable time.
2. If you are not satisfied with our response, you may lodge a complaint with the Information Regulator of South Africa.

14. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date, and notifying you via email if you are an active client.

Your continued use of our website or services after such changes constitutes acceptance of the updated Privacy Policy.

15. Consent