Privacy Policy

Here at MyCreditMonitor we are aware how important your privacy is. Based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this, also in accordance with the Data Protection Act.

Contained within this statement and set out below are details of the type of information that we at MyCreditMonitor may hold about you, our customer. Also how we obtain and process any information we may have and, importantly, how we protect your privacy.

This privacy policy is only applicable to MyCreditMonitor and personal information which may be collected and obtained by us. Changes to this privacy policy: MyCreditMonitor may choose to amend the content of this privacy policy on occasion. If this occurs then a notification will be posted on this website.

How we may contact you:

Unless you state otherwise to us, lenders, third parties and other brokers (see further section on 'How we keep you informed') may contact you via telephone, email, post, sms, automated messages or fax.

How you contact us:

If you are required to telephone us using the specified telephone numbers on our website or advertising/marketing/correspondence material then your call may be recorded for training, quality and regulatory purposes. We pride ourselves on providing complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.

If your personal information changes, if you change your mind about any of your marketing preferences, If you would like to object to the processing of your personal information, If you would like to lodge a complaint with the information regulator and would like to know their details or if you have any queries about how we use your information, please let us know by contacting our mailing exclusion team at:

admin@mycreditmonitor.co.za All rights reserved.
CABPartners 8 Melville Road Illovo, Johannesburg, 2196

How we keep you informed:

We may wish to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest. This contact will be made via telephone, email, sms, automated messages or fax. Third parties may also wish to contact you from the information we have shared with them. Any information that is shared to third parties is completely trusted for the purpose it is specified for. Third parties may also use the same means of contact stated above.

Third parties could contact you as they may have a product or service to offer you which potentially could suit your needs. If this is the case the third parties will pass your details onto a lender, and they may require to carry out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful they will also have their own privacy policy and we recommend you refer to them, upon making your application, and you will be requested to agree to their use of your information.

Obtaining Data/Information:

I. You are free to access and browse our website www.MyCreditMonitor.co.za at your convenience and do not have to provide any personal information/data. However, we would refer you to 'Cookies' paragraph set out within this privacy policy).

II.The information/data that we would normally collect from you is as follows:

a. Name
b. Residential address
c. Residential status
d. Date of birth
e. National insurance number
f. Email address (if applicable)
g. Telephone number (home, mobile, work)
h. Income details
i. Details of bank account
j. What you do on our website; the results of this will be used to show MyCreditRate examples of which parts of our website are most and least used (please refer to "Cookies" paragraph).

II. However if you register with us, have a question about our services or alternatively choose to send an email to help@mycreditmonitor.co.za., we may also collect the above personal information/data in this instance, in order for us to respond to your enquiry.

II. We may also receive personal information/data from 3rd parties, which enables us to offer identified potential customers products and services if they have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked for accuracy and we will endeavour to check your information with you occasionally.

If you do not complete the MyCreditMonitor application in full and do not complete all relevant form field, we will not be able to assist you in getting you credit report. Experian credit bureau is our partner of choice. We will use Experian to pull your credit report for you.

Ensuring your personal details&/or preferences are kept up to date:

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure that it is corrected.

If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' paragraph).

How we use your Personal Information:

I. Information that is collected by us MyCreditMonitor may be used by us in the following ways and will be recorded electronically:

a. Verify customer identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
b. Assess your credit history and confirm your employment details.
c. Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
d. Detect, prevent and investigate actual and potential fraud and related activities.
e. Develop, manage and market products and services to meet our customers' needs and to contact customers for products and services that may be of interest, to determine your eligibility for different products and services that our customers may be interested in.
f. Contact you in connection with your enquiry.
g. Update this website to better meet our customers' needs in the future.
h. Help MyCreditMonitor to carry out administration and service your account.

Fraud prevention agencies & Credit referencing:

Confidentiality & security:
MyCreditMonitor recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, introduced specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so.

Can you access the information we hold about you?

Yes, under certain circumstances you will be able to access the records we hold about you. If you request this information then we ask that you submit your request in writing to us along with a fee of R100. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.

How long do we keep your information for?

The amount of time we hold your information depends on the basis it was provided by you to us; please see the following examples:
a. If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
b. Information is also kept relating to any transactions you may enter via our website. This information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do this to ensure that if any disputes or complaints are raised then we have your information to enable us to address the complaints or disputes. Your information will be kept purely for business needs.
c. In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
d.Another reason for us to keep information about you is for legitimate business needs, where relevant, so we can comply with what the law states.

Usage of links to other sites:

We may provide links to other websites via our website. If we do so then we cannot be held responsible for the other sites' privacy policy, as they will hold their own specific to them. This also applies to site content, practices they carry out and the services and products they may offer, all of which we cannot take any liability for.
Processing of sensitive information:
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
a. Health conditions
b. Racial or ethnic origin
c. Political opinion or trade union membership
d. Sexual orientation
e. Philosophical beliefs
f. Religious beliefs
g. Suspected or proven criminal activity (which includes proceedings) Cookies

I. Usage

MyCreditMonitor uses cookies to assist us analyse the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website, cookies with any pages that you choose to view will be downloaded onto your computer. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles. This will then enable us to offer our customers a better service.

Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and preferences.
We also use customer information in order assist us to see how effective our website is and to highlight any improvements we may need to make. This information may, in turn, be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable.
Most web browsers will automatically accept cookies. However, normally you can change your browser settings which will prevent automatic acceptance. Please be aware that If you do not accept cookies, MyCreditMonitor cannot guarantee that our website will perform as well.

II. How to find & control your cookies, see as follows:

a. Internet Explorer 6.0 or 7.0
- Choose tools Internet Options Click the privacy tab
- Click on the 'Advanced' button
- Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action appropriate.

b. Mozilla Firefox
- Choose tools
- Options Privacy Cookies
- Set your options as require

c. Safari Choose Safari Preferences Security
-Select options by accept Cookies as required

d. Opera 8+ Choose Tools Preferences Advanced Select Cookies
-Select your settings using the available options

III. How do you know which of the sites you've visited use cookies? See as follows:

a. Internet Explorer Choose tools Internet Options
- Click the General tab
- Click Settings
- View Files

b. Mozilla Firefox Choose tools Options
- Privacy
- Cookies
- Click the Show Cookies button

c. Safari Choose Safari Preferences Security
- Click Show Cookies button

d. Opera 8+ Choose tools Advanced Click Cookies

IV. How to see your cookie code.

Simply click on a cookie to open and view it. There will be displayed a string of numbers and text. The numbers will represent your identification card. Be assured that this can only be seen by the server that allocated you the cookie.

V. Additional cookies information

The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

Contact about this privacy policy:
If you have any queries or questions relating to our privacy policy then please send an email to our Compliance Manager at following address: help@mycreditmonitor.co.za