Last Updated: April 2026
How We Protect Your Personal and Financial Information
Welcome to Credit Innovation PTY Ltd
At Credit Innovation PTY Ltd, we understand that your financial and personal information is highly sensitive. We are committed to protecting your privacy and ensuring that your personal data is handled in a safe, responsible, and transparent manner.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our debt mediation and alternative dispute resolution services. Our practices comply with the Protection of Personal Information Act (POPIA) of South Africa.
What Data Do We Gather?
We may collect the following types of personal information when you request a free assessment or engage our services:
Communication Data: Records of your correspondence with us via phone, WhatsApp, email, or our website contact forms.
Identity Data: Full name, ID number, marital status, and physical address.
Contact Data: Phone numbers, WhatsApp numbers, and email addresses.
Financial Data: Income, expenses, creditor details, account numbers, outstanding balances, and credit reports (obtained with your consent).
Purpose of Data Collection
We strictly use your personal and financial information to provide our core services. Specifically, we use your data to:
Comply with any applicable legal or regulatory obligations.
Conduct your free, no-obligation financial assessment.
Mediate and negotiate with your creditors on your behalf.
Restructure your debt payments and extend your payment terms.
Communicate with you regarding your case progress and updates.
Third-Party Disclosures
We do not sell, rent, or trade your personal information to third parties for marketing purposes. To effectively mediate your debt, we will only share your information with:
Regulatory/Law Enforcement: If required by law, subpoena, or a court order to disclose specific information.
Your Creditors: We share necessary financial information with the companies you owe money to in order to negotiate lower payments.
Legal & Professional Advisors: If required for your specific case, with your prior consent.
Keeping Your Data Safe
We prioritize the security of your information. We implement robust, industry-standard administrative, technical, and physical security measures to protect your data from unauthorized access, loss, or alteration.
We will only retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by South African law. Once your data is no longer needed, it is securely destroyed or permanently de-identified.
Your Rights Under POPIA
As a South African resident, you have specific rights regarding your personal information under the POPIA framework. You have the right to:
Withdraw Consent: Withdraw your consent for us to process your data at any time (note that this may prevent us from continuing our debt mediation services for you).
Request Access: Ask us for a copy of the personal information we hold about you.
Request Correction: Ask us to update or correct any inaccurate or incomplete information.
Request Deletion: Ask us to delete your personal data, subject to certain legal obligations we may have to retain it.
Get In Touch
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact our Information Officer:
Address: EA Z4 Presence, 115 Paul Kruger Street, Pretoria Central, Gauteng, South Africa
Phone / WhatsApp: +27 10 011 2425 or 067 653 0821