Version: 2015_12_001
Updated: 2015-12-15

Cred-it-data Online Holdings Pty Ltd further known as (Cred-it-data) is committed to the security and privacy of our customer’s data with this privacy policy outlining our commitment to safeguarding our customers’ data and serves as our agreement with our customers and other parties about our data handling and exchange practices. This policy lists the types of data we collect, explains how we use and protect that data, and discloses our key procedures surrounding privacy.

Taking our privacy policy seriously is a binding agreement between you and Cred-it-data. By accessing any of our products, services or company websites (the “Sites), you acknowledge that you agree with the terms of our privacy policy. We may change this privacy policy from time to time by posting a new version, and the new version will become effective immediately.

All previous version will be accessible and dated at the following location https://kb.creditdata.co.za/archive/12

  • We do not sell or rent personally identifiable information
  • We do not spam, and our policies forbid use of our services for spam

 

Public Areas

Please remember that any information (including personal and business information) that you submit, post or otherwise reveal in a public forum (such as a bulletin board, chat room, blog or product discussion forum) is not subject to this privacy policy. This information may be seen by third parties not related to us and may be used by them or us to contact you for any purpose. These are clearly marked as public forums with a disclaimer.
  

Statement regarding children or under age persons

Cred-it-data products and services are not designed to appeal to children under the age of 18. As such, the Sites are not directed at children under the age of 18 nor do we knowingly collect or maintain information from children under the age of 18 on the Sites.

Information collected and used by

We collect the information necessary to enable us to respond to your requests for our products and services and to send you information regarding our products and services from time to time. Since most of the users of our products and Sites are doing so in their capacity as employees or companies, most information we collect will be in that capacity (rather than information about you individually, such as your personal tastes). For these purposes, we have defined "Information" as any information that identifies or may identify a company or an individual contact at a company or that allows others to contact a company or an individual contact at a company. When you visit the Sites, you may be asked to submit information. We may also ask you where you heard about our company or products, or for other information that will help us understand more about your needs or help us process your requests for information.
Our information collection and use practices are described in more detail below:

  • Sign Up. You may be asked, on behalf of your company, to complete sign up form(s) on the Sites or from within the products, with contact information for use by us in accordance with this policy.
  • Support. We offer certain online support services at the Sites. If you access online support on any of the Sites, you will be identified by logging in but may be asked to provide other information to help us determine what the technical issues are and how best to help you resolve them.
  • Newsletters. When you subscribe or sign up to receive newsletters published or offered via the Sites, we will ask you for information necessary to enable us to process your request and to send you information regarding our products and services.
  • Cookies. We also use Cookies to enhance the user experience, deliver personalized content, and collect information about the use of the Sites. "Cookies" are small computer files that we transfer to your computer's hard drive. Cookies allow us to statistically monitor how many people are using the Sites and for what purposes, how often someone visits the Sites, and the length of their stay. This information helps us dynamically generate advertising and information specifically designed for your interests. Cookies are not designed to retrieve personal or business data from your hard drive, your email, or any other personal information. Most browsers are initially set to accept Cookies, but users can change the setting to refuse Cookies or to be alerted when Cookies are being sent.

    Note refusal of Cookies will make it impossible to use the online portal and in some cases the Sites, you will need to accept Cookies in order to access information and use certain functions.
    The Cookies are renewed each time a user logs on to one of the Sites that uses Cookies.


  • Web-based Services. In connection with certain of our web-based services we collect certain additional information, including IP address, browser, connection speed, domain, referring URL, and other environment-related information to enable us to provide a secure environment for the use of the services, to pre-populate forms, and calculate aggregate statistical information about the customers using these services.
  • Products & Services. In addition to the uses set forth above, we may use your Information to: 
    • inform you of product upgrades and updates and subscription renewals;
    • inform you of regulatory, and other compliance issues with your software product or service;
    • notify you of products and services that we think may be of interest to you;
    • offer you discounts or other promotions with respect to products and services that we think may interest you; and
    • contact you for survey purposes to determine how we can better service you or provide better products to meet your needs.
  • Third-Party Products. We may also use your Information to inform you of special discounts or offers from other companies we have carefully selected and whose products and services may be of interest to you.
     

Disclosure of your information

Under certain conditions we may be required to release your information these include but are not limited to the following:

  • to comply with valid legal requirements such as a law, regulation, search warrant, subpoena, or court order;
  • to enforce or apply the terms of any of our service or license agreements; or
  • in special cases, such as protecting the rights, property, or safety of Cred-it-data, our customers, or others.
  • We may also provide Business Information to government agencies and to our vendors, suppliers, authorised resellers, and other business, development, and industry partners ("Partners") to enable them to:
    • provide us with products and services to better operate and maintain the Sites;
    • provide you with a product or service requested by you; or
    • We also may provide information about you that does not allow you to be identified to, or contacted by, third parties ("Aggregate Information").
  • Partner and Government Services. We may engage Partners to perform functions on our behalf, which may include assisting us in processing your Business Information. Certain Partners and government agencies may collect Business Information directly from you and use of that information and other information provided by you to third parties is not governed by this policy even though those Partners and government agencies may share such information with us.
  • Data. Business Information collected by us as set forth above does not include your company's data entered in the course of operating our products and services.
    We will not access your data except in the following limited circumstances:
    • to provide you with technical support, solely at your request and with your permission;
    • on a limited-access basis to install updates, produce regular backups, or restore data from backups at your request;
    • where the inherent purpose of the product or service requires us to provide the Data to a third party on your behalf and,
    • unless you opt-out, to utilise Aggregate Information derived from Data to help us improve our products and services and in developing additional offerings.
  • We will not provide your Data to any third party or permit any third party to access your Data, except by your permission or to comply with valid legal requirements such as a law, regulation, search warrant, subpoena, or court order. In addition, if at any time you decide to discontinue your use of the applicable service, your Data will be destroyed and removed from all servers according to terms set forth in our terms and conditions.
  • Business Transfers. In the event that all or a portion of Cred-it-data, is bought or sold, Business Information will likely be included among the transferred business assets, but such information remains subject to this Privacy Policy or substantially similar to this privacy Policy.

 

How Cred-it-data protects your privacy

We want your Information to remain as secure as reasonably possible. We combine industry-standard technical safeguards with a code of conduct for those employees who are permitted to access our customers' Information. When you purchase a product or service online, we use SSL encryption to encrypt your information before it is sent to us in order to ensure the integrity and privacy of the information that you provide to us via the Internet.

Measures Taken

  • All Information and Data is encrypted using the highest levels available
  • Numerous firewalls and safe guards deployed
  • Networks proactively monitored 24/7

Many of our web-based services are hosted on servers that are co-located at a third-party facility with whom we have a contract providing for security measures.

Hosted data may include personally identifiable information and other information that belongs to our customers' own customers, website visitors, or other users. We will not review, share, distribute, or reference any such Customer Data except as provided in the service or license agreement, or as may be required by law. Individual records of Customer Data may be viewed or accessed by authorized employees, agents or independent contractors only for the purpose of resolving a problem, support issues, or suspected violation of the terms and conditions, or as may be required by law. Those employees that violate our Privacy Policy are subject to disciplinary action which may lead up to and including termination.

Despite these security measures, we do not represent or warrant that Information will be protected against loss, misuse, attacks, or alteration by third parties. Customers are responsible for maintaining the security and confidentiality of their usernames and passwords at all times.
 

Your privacy choices

By default you will be given option to opt in for marketing or promotional related communication.

Should you have opted in, Cred-it-data may send you communications to provide you with information or promotions relating to products and services that may be of interest to you, including notification of important product issues and updates.

You may opt out of receiving these communications as indicated below or on the main portal. However, please note that any election not to receive future communications applies only to promotional messages of Cred-it-data and we may still send you relationship or transactional messages in order to notify you of important product issues and updates, compliance-related matters, for the renewal of existing subscription services, to resolve specific questions or requests made by you via phone, fax, email, or the Web and in response to any activity completed on any of the Sites, including but not limited to, sign up, and requests for information.

 

  • Email Promotions. Each email we send will contain instructions on how to unsubscribe in the event that you do not wish to receive future promotional emails from Cred-it-data that sent you the email promotion.
     

Correcting your business information

You can always update the Business Information that you have provided to us and/or change your preferences with respect to marketing contacts from us by contacting the Cred-it-data.

Linked Sites

The Sites may contain links to third-party websites and resources (collectively, "Linked Sites"). These Linked Sites are provided solely as a convenience to you and not as an endorsement by us of the content on such Linked Sites. We make no representations or warranties regarding the correctness, accuracy, performance, or quality of any content, software, service, or application found at any Linked Site. We are not responsible for the availability of the Linked Sites or the content or activities of such sites. If you decide to access any Linked Site, you do so at your own risk. Your use of any Linked Site is subject to the policies, terms of use, and privacy policies of such Linked Site, if any.
 

Consent to Transfer

Users located outside South Africa who submit Business Information to us via the Sites should be aware that the information they submit will be transferred to our servers located in the South Africa. Your submission of Business Information to us constitutes your consent to this transfer. Although we will collect and use your Business Information only as stated in this policy, laws generally applicable to the Protection of Personal Information in South Africa may not be as stringent as those in some users' home jurisdictions although Cred-it-data does comply with both the National Credit Act (NCA) and Protection of Personal Information Act (POPI).

Changes to this Privacy Policy

We may change this privacy policy at any time. Cred-it-data will include the current copy and the change date of any amendments made for future reference. Your use of the Sites constitutes acceptance of the provisions of this privacy policy and your continued usage after such changes are posted constitutes acceptance of each revised copy thereof.

Governing Laws

Cred-it-data falls under the jurisdiction of South Africa and as such South African law applies at all times.









© 2017 Cred-it-Data Online Holdings (Pty) Ltd - All Rights Reserved
Registered Credit Bureau | NCRCB25
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