Privacy Policy

1. Introduction

SACC Holdings (Pty) Ltd, trading as SA Credit Clear (“we”, “us”, “our”), is committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA).

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our services.

2. Company Information

  • Registered Name: SACC Holdings (Pty) Ltd
  • Trading Name: SA Credit Clear
  • Country: South Africa

3. Information We Collect

POPIA Section 18 Notice

In terms of the Protection of Personal Information Act, you are hereby notified that:

  • Personal information is collected by SACC Holdings (Pty) Ltd, trading as SA Credit Clear
  • The purpose of collection is to perform a credit assessment, provide administrative support services, and assist with credit-related processes
  • Your information may be shared with registered credit bureaus, credit providers, and authorised third parties where required to deliver these services
  • The supply of your personal information is voluntary, however failure to provide required information may limit our ability to render services
  • You have the right to access, correct, or object to the processing of your personal information
  • Your information will be processed in accordance with applicable data protection laws

We may collect and process the following personal information:

3.1 Personal Details

  • Full name and surname
  • South African ID number or passport number
  • Contact details (phone number, email address)
  • Physical and/or postal address

3.2 Financial & Credit Information

  • Credit report data obtained from registered credit bureaus
  • Information relating to credit accounts, payment history, and listings

3.3 Service-Related Information

  • Information provided in enquiries, forms, or communications
  • Documentation submitted for verification or dispute processes

3.4 Payment Information

  • Payment confirmation and transaction details via Paystack
    (We do not store your card or banking details directly.)

4. How We Collect Information

We collect personal information through:

  • Direct submission by you (forms, WhatsApp, email, website)
  • Authorised access to credit bureaus (with your consent)
  • Payment processing platforms

5. Purpose of Processing

We process your personal information for the following purposes:

  • To perform credit assessments
  • To provide administrative support services
  • To assist with dispute submissions and credit profile updates
  • To communicate with you regarding your service
  • To comply with legal and regulatory obligations

6. Legal Basis for Processing

We process your personal information based on:

  • Your consent
  • The performance of a service agreement
  • Compliance with legal obligations
  • Our legitimate business interests, where applicable

7. Sharing of Information

We may share your information with:

  • Registered credit bureaus (e.g. TransUnion, Experian, XDS, Compuscan)
  • Credit providers relevant to your profile
  • Payment processors (e.g. Paystack)
  • Regulatory authorities where required by law

We do not sell or rent your personal information to third parties.

8. Data Security

We take reasonable technical and organisational measures to protect your personal information against:

  • Loss
  • Unauthorised access
  • Misuse or disclosure

However, no system is completely secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information only for as long as necessary to:

  • Fulfil the purpose for which it was collected
  • Comply with legal and regulatory requirements

10. Your Rights (Under POPIA)

You have the right to:

  • Access your personal information
  • Request correction or deletion of your information
  • Object to processing in certain circumstances
  • Withdraw consent (where applicable)
  • Lodge a complaint with the Information Regulator

11. Consent

By using our services, you:

  • Consent to the collection and processing of your personal information
  • Authorise us to obtain your credit information from registered credit bureaus where required

12. Cookies & Website Usage

Our website may use cookies or tracking technologies to improve user experience and analyse traffic. You may disable cookies in your browser settings.

13. Third-Party Links

Our website or communications may contain links to third-party websites. We are not responsible for their privacy practices.

14. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Updated versions will be published on our website.

15. Contact Us

If you have any questions about this Privacy Policy or your personal information, please contact us via the official contact details provided on our website.