Who are we?
DC Credit Protect, provides credit life insurance to the clients of debt counsellors (“DC Credit Protect” or “we”). DC Credit Protect operates in South Africa and we are, depending on the circumstances, either a “Responsible Party” or an “Operator” in terms of the Protection of Personal Information Act, 4 of 2013 (POPIA) with respect to your Personal Information and as such we want to take certain steps to make sure that you are fully aware of exactly who we are, the types of Personal Information we process, how we process it, who we may need to share it with, as well as what your rights are in relation to our processing of your personal information in terms of POPIA.
We process Personal Information of our clients, employees, service providers, suppliers, and various other stakeholders who make it possible for us to operate (“Business Contacts”) in order to enable us to do business with them or provide our services to them as required. In this notice, “you” means you as an individual, who we are dealing with and whose Personal Information/Data we may need to collect and process in order to provide the requested services, or the entity you represent. We may need to collect and process your Personal Information/Data for the purposes described below.
What Personal Information/Data is collected?
DC Credit Protect collects and processes a wide range of Personal Information/Data as part of operating our business and complying with our obligations towards our customers and other data subjects. We therefore want to hereby expressly inform you that when dealing with DC Credit Protect, whether it be for purposes of requesting a quote, enquiring about our service or products offerings, or generally enabling DC Credit Protect to comply with its obligations towards you in terms of your contractual relationship with the DC Credit Protect (“DC Credit Protect Dealing”) you may need to provide DC Credit Protect with certain Personal Information/Data, including but not limited to:
- Full names;
- Entity names;
- Information pertaining to the entity you represent;
- Telephone numbers;
- Email addresses;
The above Personal Information/ Data does not necessarily comprise of all the types of Personal Information/Data which we may require from you pursuant to your DC Credit Protect Dealing and the type of Personal Information/Data we may need to process will depend on the exact nature of your DC Credit Protect Dealing. The purposes for which the DC Credit Protect will be processing any of your Personal Information/Data will also depend on the circumstances which necessitate or require such processing pursuant to the relevant DC Credit Protect Dealing.
We collect and record all telephone calls, internet communications, all correspondence we have with you irrespective of the medium of communication, details of your engagements with us, including your visits to our website and mobile application, although not all this information is always personal information. Often, we process certain information simply to improve your use of our website and application interfaces.
What do we do with your Personal Information and why do we collect it?
We take your privacy very seriously and we only collect and process Personal Information (and where applicable, special personal information) for specific purposes which are connected to our legitimate business purposes, and information which we generally need in order to comply with our obligations towards you and also to comply with obligations which are imposed upon us in terms of applicable laws regulating us.
The Personal Information you provide to DC Credit Protect is typically processed for the following purposes:
To make contact with you
When we make contact with you, your personal information would have entered DC Credit Protect’s environment, where it is made available to our trained sales consultants. Our sales consultants have received appropriate information privacy training and will make sure that your information is securely entered into our system where it can be protected from a technical information security perspective. Those who have access to your information will then only contact you to find out what you need and how we can help you. When you directly ask us to contact you, we will do so as soon as possible.
To give you a quote
If you have asked us for a quote, whether it be via our website or any other interface, you know who we are and what we do. In order to give you a quote, we are going to need certain personal information from you and our sales consultants will tell you exactly what information we need, why we need it and where we could perhaps also get it from if you don’t have it at hand. This information is essential in order for us to tailor your quote. Again, we will always be honest with you, so if you have any issues with providing the information we are requesting, please tell us so that we can take the opportunity to explain why it is important and make sure you are comfortable before we proceed.
Throughout this process when we collect your information, it is travelling from you, passing through the trained hands of our employees who are required to handle it and enter it into our system, where it will form part of your very own unique profile. This profile is unique to you, and once it has been created, your personal information resides within DC Credit Protect’s system infrastructure.
To deliver our products and services
Once you have accepted our quote, and your profile resides in DC Credit Protect’s system, it can only be accessed by authorised employees and/or service providers, who have access to it only for the purpose of us performing in terms of our contract with you and making sure that you are satisfied with our service.
To market to you
Are you a client?
If you are a client of ours, you form part of a select base and we would be honoured to give you the opportunity to partake in our future value offerings and POPIA is a wonderful opportunity for us to ensure that the products and services we market to you in future suit your specific profile.
Do you want to be a client?
If you aren’t a client, we want you to be and know that you will derive tremendous value from being part of the DC Credit Protect family. We want you to know more about how our products and service offerings are expanding, what we are doing and how we can help you, so please give us the opportunity to contact you. This is how we will contact you, unless you have a specific preference, which we would appreciate you informing us about:
- One of our trained sales consultants will contact you to speak about what we can offer you and always ask you whether you would like to proceed. If you don’t want to be contacted, tell us so that we can make sure it doesn’t happen again. We might try and convince you otherwise and ask you to read this notice, but this is only because we care and want to make sure you are making an informed decision.
- We do make use of various social media platforms to market our products and services. We don’t have the ability to target you specifically through these platforms, but if you see one of our ads and would like to know more about who we are and what we have to offer, feel free to click on the ad or fill in the form. You will be directed either to our website (https://dccp.co.za/) or a digital lead form which will allow you to make contact with DC Credit Protect. We will ask you to agree to certain terms and conditions and acknowledge that you have read this privacy notice. We won’t hide anything in the fine print, we simply want you to give us permission to contact you and tell you about what we have to offer.
- Sometimes it might be more convenient for you to read an email than it is to take a call. We will send you an email from time to time, but we don’t want you to feel that we are spamming you, so if you are interested in what we have to offer, please opt-in to further email communications.
Everytime we do contact you, regardless of how we do so, we will always ask you whether you would like to opt-out. We will always respect your decision and only ask that you consider it carefully before proceeding.
To comply with applicable laws
We have to comply with many important laws and regulatory requirements. We take our compliance obligations seriously and as such, we are legally required to collect and process certain personal information for very specific purposes.
We also reserve the right to disclose your personal information in the interests of enforcing any terms and conditions of our commercial agreement with you. This notice applies to all data (including all Personal Information/Data) past, present or future submitted by you to DC Credit Protect or which we otherwise obtain pursuant to undertaking our normal business activities.
How is your Personal Information/Data collected?
We may make use of both "Active Processing" and "Inactive Processing" means to collect and process Personal Information/Data. When DC Credit Protect makes use of "Active Processing" means to collect your Personal Information, it has directly been provided with your Personal Information pursuant to an enquiry in respect of our products or services, or when you provide Personal Information/Data to DC Credit Protect pursuant to a specific DC Credit Protect Dealing.
How to manage cookies?
Who do we share your Personal Information/Data with?
To assess and determine the profile of our clients, and/or projects we may share your Personal Information/Data with our preferred verification agencies. The list of current agencies used is available on request from the Information Officer.
Where do we store your Personal Information/Data?
DC Credit Protect has implemented reasonable technical and organisational information security measures to protect Personal Information/Data.
All your Personal Information is stored securely by DC Credit Protect through the use of a combination of cloud-based and on-site storage facilities. Consequently, in storing your Personal Information/Data, we may transmit or transfer Personal Information/Data outside South Africa to a foreign country, as such, personal information may be stored on servers located outside of South Africa in foreign countries that have different data protection laws in place. DC Credit Protect is comfortable that these foreign countries protect Personal Information/Data to an extent that compares to the way in which we do, which is acceptable to us.
Despite all our attempts to keep your Personal Information safe and secure, unauthorised access remains a possibility. DC Credit Protect will not take responsibility for anyone outside of DC Credit Protect’s control breaching its security measures. You must review the conditions of use and security of any third-party websites made available through hyperlinks on any of our websites, mobile applications or websites before use.
How long do we store your Personal Information/Data?
DC Credit Protect will store or retain your Personal Information/Data for the period required in accordance with DC Credit Protect’s legitimate interest to do so or for the period necessary to comply with our legal and regulatory obligations related to the storage of specific types of records and/or information.
What are your Rights?
You have rights when it comes to your Personal Information/Data, but bear in mind that there may be various considerations in deciding how to deal with any requests you may have. Contact us at firstname.lastname@example.org, so that our Information Officer is able to review and/or process the request and provide a response.
Your rights include:
- Right of Access - You can ask us for a copy of the Personal Information/Data we hold.
- Right to Know - You can ask us what Personal Information/Data is or was shared with any of our business contacts or any third party.
- Right to Change - You can ask us to update your Personal Information/Data or delete any Personal Information that is no longer accurate or relevant.
- Right to Object - You can object to our processing of your Personal Information/Data.
- Right to Report - You can lodge a complaint with the relevant authorities should you feel aggrieved by the manner in which we have processed your Personal Information/Data.
The contact details of the respective authorities are:
The Information Regulator (South Africa)
JD House 27 Stiemens Street Braamfontein Johannesburg, 2001
PO Box 31533
Braamfontein, Johannesburg, 2107
As you now know by now, we are serious about keeping your information secure and to only process it for purposes which you know about and which are legitimately linked to our business operations. As such, we implement reasonable security measures and protocols to protect the Personal Information/Data we are privileged to hold. These measures are to protect any personal information we hold from being disclosed without authorisation, from loss, damage, destruction or unauthorised access. As you will appreciate nothing is 100% secure in this day and age and therefore, we ask that if you suspect that either you, or we, have had an information security breach, please notify us immediately so that we can take action. You can do so by contacting our Information Officer whose information is set out below. If you need to speak with our Information Officer, feel free to contact them.
How to contact us?
Tel: 012 881 0296
Physical Address: 2B Sunwood Office Park, 379 Queens Crescent, Lynnwood, 0081, Pretoria