Privacy Policy

1. Introduction

Debt Review Fix SA (Pty) Ltd ("DRFSA", "we", "us", or "our") is committed to protecting the privacy and personal information of our clients, website visitors, and all individuals who interact with our services. This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and other applicable South African legislation.

By using our website, submitting a form, contacting us via phone or WhatsApp, or engaging our services, you consent to the collection and processing of your personal information as described in this policy.

2. Information We Collect

We may collect the following categories of personal information:

3. How We Use Your Information

We process your personal information for the following purposes:

• check_circleTo assess the debt review status information you provide and explain possible next steps
• check_circleTo provide the specific information and services requested and agreed, where applicable
• check_circleTo carry out the specific services you request and agree to in writing, where applicable
• check_circleTo communicate with relevant third parties only where necessary, authorised and supported by a lawful basis
• check_circleTo contact you regarding the progress of your case
• check_circleTo comply with legal and regulatory obligations
• check_circleTo improve our website, services, and client experience

4. Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds under POPIA: your explicit consent; the performance of a contract or steps taken at your request prior to entering a contract; compliance with a legal obligation; and/or our legitimate interest in providing debt review information and assessment services, provided this does not override your fundamental rights and freedoms.

5. Sharing of Information

We may share your personal information with the following third parties, strictly for the purposes described above:

• eastA competent authority where disclosure is legally required or specifically authorised
• eastRelevant record holders where disclosure is necessary and lawfully authorised
• eastAn identified professional provider involved in an agreed service, where applicable
• eastLegal professionals acting on your behalf or ours
• eastCourts of law, where required for court order applications

We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes.

6. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. Once the agreed service is complete and all legal retention periods have expired, your personal information will be securely deleted or anonymised. Financial records are retained for a minimum of five (5) years in compliance with South African tax and financial legislation.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encrypted data transmission (SSL/TLS), secure server infrastructure, access controls limiting data access to authorised personnel only, and regular security assessments. While we take every reasonable precaution, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

8. Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyse website traffic, and understand user behaviour. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website. We use Google Analytics to collect anonymised usage data. No personally identifiable information is shared with Google for advertising purposes.

9. Your Rights Under POPIA

As a data subject under the Protection of Personal Information Act, you have the right to:

• shieldRequest access to the personal information we hold about you
• shieldRequest correction of inaccurate, incomplete, or misleading personal information
• shieldRequest deletion of your personal information where it is no longer necessary
• shieldObject to the processing of your personal information
• shieldWithdraw your consent at any time
• shieldLodge a complaint with the Information Regulator of South Africa

10. Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take immediate steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable legislation. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your rights, or need to report a data breach, please contact our Information Officer: