Privacy and POPIA

WHAT IS PERSONAL INFORMATION AND HOW DO WE COLLECT IT?
Personal information is data that can be used to identify you. This information includes but is not limited to names, ages, identity numbers, registration numbers, addresses and other contact details, financial information and banking details.

We collect your personal information in the following ways:

• Directly from you when you complete any online enquiry on our web portal, electronically or on hard copy;
• Indirectly from you when you interact with us electronically via phone or email;
• Directly from other sources, such as public databases, data aggregators and third parties, as well as other financial institutions, credit bureaus, collection attorneys, fraud prevention agencies; or indirectly through your interactions with third parties.

We may, with your permission if required, use the personal information we collected in a number of ways, for example:

• To identify you;
•  To provide you with our services;
• To assess your creditworthiness;
• To detect and prevent fraud and crime;
• To detect and prevent money laundering;
• For statistical analysis;
• To meet our obligations under an agreement with you; and
• To comply with legislative requirements.

We may record and monitor any communications between you and us and use these recordings to verify your instructions to us, to analyse, assess and improve our services to clients, and for training and quality purposes.

We will not sell your information to third parties and will only market to you in accordance with our legal obligations and your marketing preference, using the communication method you chose. We may communicate with you by post, phone, SMS, email and other electronic media about services and products that may be of interest to you.
You may ask us to stop or start sending you marketing messages by informing us in writing. You have the right to refuse to provide personal information, but you must keep in mind that this refusal may limit our ability to provide the required services to you.

Note that we will only collect information from you that is necessary and relevant to the service to be provided. No information will be collected without your prior consent or as prescribed by law. We will not use information collected about you for marketing purposes which you have not consented to. Should we make use of third-party data providers, we will ensure that such providers have obtained the required consent to share the information.

We will disclose your personal information to third parties only under the following circumstances:

• We are required to do so by law;
• It is necessary to protect our legitimate interest, your legitimate interest or the legitimate interest of a third party to whom the information is supplied;
• It is necessary for other members in your community scheme to receive your details for communication purposes for management matters pertaining to your property within the scheme;
• It is in the public interest to do so;
• We have to meet tax reporting requirements; and/or
• We are ordered to do so by a court of law.

We are committed to ensuring that your information is secure. Our IT department has the most recent virus and firewall protection in place. We have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect. All our company data is being regularly backed up. We also have a separate independent system which backs-up all our company data in case our primary system fails. We shall not be liable for any damages that may arise from a data breach that occurred despite our safety precautions.

We will retain your information only for as long as we need it, given the purpose for which it was collected, or as required by law (including tax legislation) and any other statutory obligations (including anti-money-laundering and counter-terrorism requirements). Your information may be retained for varying periods from the end of our relationship, depending on regulatory requirements. We will take all reasonable steps to destroy or de-identify the personal information that we hold when it is no longer required.

We make use of cookies to personalise your repeat visits to our website by determining how you use the site. Cookies are very small text files that may be stored on your computer or mobile device when you visit a website, enable images or click on a link in an email. We use cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website to meet your needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Should you wish to verify the information we have about you or request an update or amendment of such information, you may contact our office on (021) 674 1041 and ask for our information officer, Rhydian Smith. Alternatively, you may email rhyd@lightingrevolution.co.za