Privacy and personal information.

SA Credit Clear is the trading name of SACC Holdings (Pty) Ltd. In this notice, "we", "us" and "our" refer to that company. We are responsible for the personal information we process in running our website, responding to enquiries and providing our agreed services.

This notice applies to our website and our handling of information received through our service channels. A payment provider, credit bureau or communication platform may also process information under its own privacy notice. Our use of a provider does not remove our responsibilities for processing under our control.

For privacy enquiries, email info@sacreditclear.co.za, with "Privacy enquiry" in the subject. You can also WhatsApp us on 011 012 5846 or call 011 012 5846. Ask for your request to be referred to the person responsible for information protection.

For an initial enquiry, we ask for your name and the contact information needed to reply. You may also provide a service-interest category and a short message. The form identifies required and optional fields. Please do not include identity documents, account passwords, bank statements, complete credit reports or payment-card details in an initial enquiry.

For an assessment or other agreed service, we may need further identity, contact, company, account, payment-history or supporting-document information relevant to that service. We explain the required information and any authorisation before obtaining it. When necessary, information may come from you, your authorised representative, a relevant credit provider, a registered credit bureau or the payment provider confirming your transaction. We do not obtain someone else's credit information merely because a website visitor asks us to.

Our service records may include your instructions, correspondence, authorisations, order details, transaction references and the work performed. Website infrastructure may process technical information such as an IP address, browser information, requested pages and security logs. Optional tracking is addressed separately below.

We do not ask you to supply a banking password, PIN, one-time password or credit-bureau login password. Payment-card credentials must be entered only in the identified payment provider's payment interface, not our enquiry form.

We use relevant information to respond to the enquiry you made, arrange the service you request, verify identity and authority where necessary, assess the agreed credit information, communicate about your case, administer payment and refunds, resolve complaints, maintain appropriate records and protect our systems against misuse.

The information requested should match the service you have agreed to receive. An enquiry does not authorise a bureau search, a finance application, debt-review services, disclosure to an unrelated lender or a marketing subscription.

The lawful justification depends on the purpose. It may include taking steps you request before entering a service agreement, performing that agreement, complying with a legal obligation, a legitimate interest recognised by POPIA, or your specific consent. We do not treat consent as a blanket permission for every possible use. Where a law specifically requires or authorises a collection, we identify that requirement when it is relevant to your service.

Providing enquiry information is your choice, but we cannot respond through a channel for which you have not supplied usable contact details. Information and authorisation needed for a particular assessment may be required to perform that service. We explain what cannot proceed without it. Optional marketing or analytics permission is not a condition of an enquiry or purchase.

Information for debt review removal assistance

For an initial debt review removal enquiry, we request contact details and a brief description of the assistance you need. Do not include identification documents, account numbers or detailed financial records in a general enquiry.

If you proceed, we will explain the relevant purpose, information required, appropriate delivery method and any additional authority. Depending on the agreed service, this may involve relevant credit information, notices, orders, paid-up letters, a clearance certificate or correspondence. An enquiry alone does not authorise us to obtain a credit report, start or transfer debt review, make a finance application, or share your documents with an unrelated party.

Any involvement of a debt counsellor, attorney, bureau, regulator or other recipient must have an appropriate lawful basis and be explained for the actual service. Marketing permission is separate. Read the authorisation and communications information and debt review removal service terms.

Information for prescribed-accounts assistance

For an initial enquiry, we request contact details and a brief description. Do not include an identity number, full account number, banking credentials, complete credit report, summons or detailed financial documents in the general form.

If you proceed, we will explain the purpose, information, authority and appropriate delivery method before requesting further records. Relevant information may include a credit report, account/payment history, creditor or collector correspondence, acknowledgements, settlement records, legal-process documents and dispute responses.

An enquiry alone does not authorise us to obtain a report, admit/dispute a debt, contact a creditor or bureau, lodge legal process, make a finance application or disclose documents to an unrelated party. Third-party involvement needs an appropriate lawful basis and explanation. Marketing permission is separate. See the service terms and authorisation information.

We use your selected contact channel to deal with your enquiry or service. Where you ask us to use WhatsApp, that conversation also uses WhatsApp's service and is subject to its own terms and privacy arrangements. You may ask us to use phone or email instead. Please start with a brief description rather than sending sensitive documents through a general conversation.

Permission for us to obtain or share credit information is separate from ordinary service contact. Before a bureau request, we explain the purpose, the relevant bureau or source, the information needed and the scope of the instruction, and obtain the authorisation required for that request. An instruction to assess a report is not continuing authority to make unrelated searches. Further work or disclosure requires the appropriate instruction and lawful basis.

Promotional messages are separate from replies and necessary service updates. Where we offer marketing subscriptions through this website, the choice is optional and unticked. You can stop promotional messages using the opt-out provided or by contacting us. This does not prevent necessary communications about an existing service or the lawful retention of records of your preferences.

A company enquiry does not, by itself, authorise a personal credit search on a director or another person. Information requests for an assessment must match the agreed purpose, scope and applicable authority. The company assessment scope explains why the people and records involved must be identified before the review.

Access is limited to the people and providers who need information for the relevant purpose. Depending on the service, recipients may include authorised staff, providers supporting website hosting and delivery, enquiry management, communications and payments, and the credit bureau or credit provider involved in an authorised matter. Relevant professional advisers or public authorities may receive information where lawfully necessary.

A service provider processing information on our behalf must follow appropriate confidentiality, security and processing arrangements. A bureau or payment provider may also have independent legal responsibilities for information it holds. The provider and purpose must be relevant to the transaction; this is not permission to circulate your information to unrelated businesses.

We do not sell your personal information. We do not use your credit report, debt details or enquiry answers to create advertising audiences based on financial difficulty.

Our electricity page provides access to the Umhlakasi portal separately from a credit report assessment. When you choose to load it, your browser connects to that service. The provider receives connection information and information submitted through its interface, under the notices and terms presented for that service. Its functions may use cookies or similar technologies.

Our notice also covers information SA Credit Clear receives or processes for our own support and service responsibilities. Opening the page or portal is not permission for credit-marketing messages. Read the provider's privacy information before entering personal details, and contact us about processing under our control.

Return to the electricity advance portal and guide for access options.

Some technology or communication services may involve processing outside South Africa. Where a proposed transfer applies to your information, we identify the relevant processing arrangement and the protection relied on before it occurs, as required by law. Transfers must have a lawful basis under POPIA, such as adequate protections established through the recipient's applicable law or binding safeguards, or another basis permitted by the Act.

You may ask us for details relevant to your information. General use of this website is not blanket consent to unidentified international transfers.

We take reasonable technical and organisational measures appropriate to the information and risks involved. These include limiting access and requiring appropriate handling by people and providers acting for us. No website or communication method can guarantee absolute security. Suspected misuse should be reported promptly through the privacy contact below. We address security compromises and notify the Information Regulator and affected people as required by law.

We keep information only while there is a lawful reason to do so. Relevant considerations include completing your enquiry or service, meeting legal record-keeping requirements, dealing with complaints or disputes, and retaining evidence of payment, instructions or consent. We delete, destroy or de-identify information when it is no longer lawfully required, using appropriate safeguards. Different records can have different retention needs; we do not retain all information indefinitely.

A request to delete information from our records does not itself delete information independently held by a bureau, creditor or payment provider. We can explain the records under our control and the appropriate next step for a request about another organisation.

This website currently uses only technologies necessary for security, requested functions and recording your choices. Optional analytics and advertising technologies are not enabled. If that changes, the applicable notice and choice will be provided before those technologies are activated. Third-party services you deliberately open, including WhatsApp and the payment provider, may use their own technologies under their own notices.

Where optional technologies are offered, you can accept or reject the relevant categories using the site's cookie controls, and change your choice later without losing access to the basic enquiry or ordering journey. We do not treat scrolling, silence or continued browsing as agreement to optional tracking.

We do not send identity numbers, contact details, credit reports, financial information or the contents of your enquiry to advertising pixels, general website analytics or session-replay tools. Information necessary to process your payment or deliver your requested service is handled through the relevant service channel instead.

Subject to the requirements of POPIA and other applicable law, you may ask whether we hold personal information about you; request access to that information and information about relevant recipients; ask for inaccurate information to be corrected; request deletion where we are no longer entitled to retain it; and object to processing where the law allows. You may withdraw consent for processing that relies on your consent and decline or stop marketing.

A withdrawal does not retrospectively make lawful past processing unlawful. Some records may still need to be retained on another lawful basis. We explain any relevant limitation rather than treating every request as an unconditional right to erase all records.

To protect your information, we may need proportionate identity or authority verification before disclosing records or acting on a request. Ask us for the appropriate way to provide that verification; do not put sensitive documents in a public form. We explain any legally permitted access procedure or fee before it is incurred. There is no charge to opt out of marketing or raise a privacy concern.

You can raise a concern with our team. You also have the right to complain to the Information Regulator. Our internal process does not take that right away.

Contact SACC Holdings (Pty) Ltd, trading as SA Credit Clear, at info@sacreditclear.co.za, WhatsApp 011 012 5846 or phone 011 012 5846. Our contact details provide the published business contact information.

The Information Regulator's complaints information and submission process explains how to lodge a privacy complaint. Its published contact details are: POPIAComplaints@inforegulator.org.za for POPIA complaints; enquiries@inforegulator.org.za for general enquiries; telephone 010 023 5200; Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191. Use the Regulator's current official instructions when submitting a complaint.

We update this notice when our information practices or applicable requirements change. The published version identifies its effective date. A new notice does not by itself authorise a new purpose or replace consent that must be obtained separately. Material changes affecting your information will be communicated where required.