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Privacy Policy

J-Cred Privacy Policy

Effective Date: 09 December 2024

1. Introduction

J-Cred is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website, services, or otherwise interact with us. We are committed to complying with all applicable data protection laws, including the Protection of Personal Information Act (POPIA) in South Africa.

2. Information We Collect

We may collect various types of personal information from you, including:

  • Contact Information: Name, email address, phone number, mailing address
  • Account Information: Username, password, and other account-related information
  • Financial Information: Credit card information, billing address
  • Demographic Information: Age, gender, location
  • Usage Information: Information about your use of our website and services, such as pages visited, features used, and time spent on the site.
  • Technical Information: IP address, browser type, device information
  • Sensitive Personal Information: In some cases, we may collect sensitive personal information, such as criminal records, financial information, or health data, as necessary for providing our services. We will only collect and process this information with your explicit consent and in accordance with applicable legal requirements.

3. How We Collect Information

We collect information from you directly when you provide it to us, such as when you:

  • Register for an account
  • Contact us
  • Use our services
  • Submit a form
  • Participate in surveys or contests

We may also collect information from third-party sources, such as:

  • Publicly available sources (e.g., public records, social media)
  • Credit bureaus
  • Data providers

4. How We Use Information

We use the information we collect to:

  • Provide and improve our services: Deliver the services you request, such as background checks, credit checks, and fraud risk assessments.
  • Process transactions: Process payments and manage billing.
  • Communicate with you: Send you service updates, notifications, and marketing communications (you may opt-out of marketing communications at any time).
  • Personalise your experience: Tailor our services to your specific needs and preferences.
  • Conduct research and analysis: Analyse data to improve our services, develop new products, and understand customer trends.
  • Comply with legal and regulatory requirements: Comply with applicable laws, regulations, and industry standards.
  • Detect and prevent fraud: Prevent and detect fraudulent activities.

5. Information Sharing

We may share your personal information with:

  • Our affiliates and subsidiaries: For business purposes, such as data processing and customer support.
  • Our service providers: Third-party companies that provide services on our behalf, such as data processing, customer support, and marketing.
  • Law enforcement and regulatory agencies: When required by law, court order, or government request.
  • Other third parties: With your consent or as otherwise permitted by law.

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorised access, use, or disclosure, including:

  • Encryption: Using encryption technologies to protect data in transit and at rest.
  • Access Controls: Implementing access controls to limit access to personal information.
  • Regular Security Audits: Conducting regular security audits and vulnerability assessments.
  • Employee Training: Training employees on data security best practices.

7. Your Rights

Under applicable law, you have the following rights:

  • Access: Request access to your personal information.
  • Correction: Request correction of any inaccurate or incomplete information.
  • Erasure: Request the deletion of your personal information in certain circumstances.
  • Restriction: Request the restriction of processing your personal information in certain circumstances.
  • Data Portability: Request the transfer of your personal information to another data controller in certain circumstances.
  • Objection: Object to the processing of your personal information in certain circumstances.

8. Children’s Privacy

Our services are not intended for children under the age of 14. We do not knowingly collect personal information from children under 14.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and, if necessary, by other means, such as email.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

  • Email: legal@kto.co.za
  • Postal Address: Unit 16, No.526 16th Road Constantia Square Office Park, Ranjespark, Gauteng 1685