1. Who We Are
NovaCredit Consulting ("we", "us", "our") is a credit solutions company operating in South Africa. We are committed to protecting your personal information in line with the Protection of Personal Information Act, 2013 ("POPIA").
Our Information Officer can be reached at info@novacreditconsulting.co.za.
2. Information We Collect
- Identification: full name, ID number, contact details
- Financial: credit reports, account statements, debt review status
- Communication: messages, call records, WhatsApp conversations
- Technical: IP address, browser type, pages visited
3. Why We Collect It
- To assess your credit situation and recommend services
- To deliver the services you request (debt review removal, judgment removal, credit repair, credit coaching)
- To communicate updates about your case
- To comply with legal and regulatory obligations
4. Legal Basis
We process your information based on your explicit consent, to perform a contract with you, to comply with our legal obligations, and to pursue our legitimate business interests.
5. How We Share Your Information
We only share your information with parties necessary to deliver our services:
- Credit bureaus (TransUnion, Experian, XDS, Compuscan) when disputing listings
- Attorneys and courts when rescinding judgments
- Registered debt counsellors when referring debt-review work
- Service providers (hosting, email, WhatsApp) under strict confidentiality
We never sell your information to third parties.
6. How We Protect Your Information
We use industry-standard safeguards including encrypted databases, access controls, secure transmission (HTTPS), and ongoing staff training.
7. How Long We Keep It
We retain your personal information for as long as needed to deliver our services and comply with legal obligations, generally no longer than 5 years after your last interaction with us.
8. Your POPIA Rights
You have the right to:
- Access the personal information we hold about you
- Request correction or deletion
- Object to or restrict processing
- Withdraw consent at any time
- Lodge a complaint with the Information Regulator (South Africa) at inforegulator.org.za
To exercise any of these rights, email info@novacreditconsulting.co.za.
9. Cookies
We use essential cookies to keep the site functional and limited analytics cookies to understand how visitors use the site. You can control cookies through your browser settings.
10. Changes to This Policy
We may update this policy from time to time. The latest version will always be available on this page.