Your information that we need.

To process your personal information and provide credit reports to credit providers in compliance with the NCA, credit providers must provide us with:

  • your initials or full name and surname,
  • your South African identity number and if you have no South African identity number your passport number and date of birth.

Without this information the processing of information required to grant you credit lawfully and fairly, cannot be processed.

Credit providers may also request further information from you. This must be relevant to your application for credit, adequate to decide whether to provide credit to you and must not include information that is not necessary for this purpose. There is no law that forces you to provide this information but, if you do not provide information that is adequate to allow a credit provider to properly consider your application for credit, the consequence is that the credit provider will be unable to do so.

If you require access to your personal information, for your protection we must authenticate the identity of the requestor and we will need additional information from you to do so.

The full details of the information that we process is available in a manual that we publish as required by the Promotion of Access to Information Act 2of 2000 (PAIA) at $[link to bureau PAIA Manual].

How long do we retain your personal information?

We do not retain your information for any longer than necessary to achieve the purpose for which it was collected.

The Regulations to the NCA require that we that we display and use various categories of your information only for the maximum periods prescribed for the purpose of credit scoring or credit assessment. We ensure that this information is not retained for these purposes beyond the maximum periods prescribed.

We retain certain elements of your information as long as is necessary, for the purpose of verifying the integrity of information that we may be required to process in the future. This information is securely stored and not used for any other purpose.

Do we transfer your information outside of South Africa?

We will not transfer your personal information to another country that does not have laws that provide an adequate level of protection for your information, or unless if we have concluded an agreement with the recipient of your information, requiring measures that provide you with a similar level of protection as POPIA does in South Africa.

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