Grace Deposits Protection (Pty) Ltd, t/s GraceNineteen, adheres to the highest standards of protecting your personal information when we process it by virtue of your use of our Services, your use of our website www.gracenineteen.com or any of its related blogs, websites, applications or platforms (collectively, "the Website"), when contracting with us or by providing us with your personal information in any other way. As such, we have created this privacy policy ("Privacy Policy") for you to read and understand how we safeguard your personal information and respect your privacy.
Our Privacy Policy applies to all current as well as former customers who register with us and may change from time to time. It is important for you to read this Privacy Policy as we may use your personal information as set out herein even if you do not qualify for one of our services or products. If you successfully apply for credit with us, this Privacy Policy must also be read with the terms and conditions of your agreement with us ("your agreement") as it provides further details of how we collect, process and use your personal information.
By registering with us and submitting your details and/or using our services, you accept the terms of this Privacy Policy and expressly provide your voluntary, specific and informed consent to process, store and disclose your personal information in the manner described below. If you object to any of the potential uses described in this Privacy Policy and/or your agreement (as the case may be), please don't register on our website and/or accept the terms of your agreement to apply for a loan or any other offering from GraceNineteen.
Personal information is defined in the Protection of Personal Information Act of 2013 ("POPIA"). This is information that identifies or relates specifically to you and includes, for example, your financial information, your name, age and identity number, your assets and liabilities, your income, your bank account number, your physical address, your email address, location information, your contact numbers, and your payment records.
We collect information about you in two ways - directly from you when you register with Us, through your online application and from external providers, such as registered Credit Bureaus.
We are a responsible lender and want to ensure that your use of our lending products, as well as the electronic service offered, runs as successfully as possible. It is necessary for us to find out your exact needs and then use your personal information to determine whether you can repay the loan/pay the required instalments in terms of the provisions of the National Credit Act of 2005, and for us to provide you with relevant information which may be of use to you. The following are the reasons why we collect and process your personal information:
We may also use your personal information:
In addition, we utilise your personal information for the other purposes set out in this Privacy Policy.
When you click on the box "I accept website terms of use and privacy policy" in the online application registration process, you expressly provide your voluntary, specific and informed consent to receive direct marketing from GraceNineteen advertising GraceNineteen, it's products and services by means of electronic communication, which could include automatic calling machines, facsimile, email, sms, Whatsapp or email.
You have the option at any time to opt out of any mailing list maintained by GraceNineteen by clicking on the unsubscribe link at the bottom of our emails, alternatively you may make direct contact with us to remove you from our mailing list.
If at any time you wish to stop receiving communications from a third party, you will need to follow the instructions about unsubscribing provided at that time by the third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.
In addition to the personal information you submit, we may collect information about your computer including, where available, your Internet Protocol (IP) address, your device's operating system and browser type. We use this system administration for fraud detection as well as aggregate this information to our advertising partners which allow us to have a better understanding of our customer requirements and/or preferences by using cookies to track users as they travel from website to website recording what commercial advertisements they view and select while browsing.
This is statistical data about browsing actions and patterns and does not specifically identify you or any other any individual. We may also obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognise you when you return to our site.
You can set your web browser to refuse cookies, but if you do this you may not be able to enjoy full use of the site and you may not be able to take advantage of certain promotions we may run from time to time. Please note that third parties who advertise on our site may also use cookies, but we do not have access to, or control over them and therefore cannot take responsibility for them.
We want to provide you with the best possible service, so calls to us may be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud.
When you use the GraceNineteen Website and the services provided by us, you may be given an access number, username, password and/or personal identification number ("PIN"). You are responsible for maintaining the secrecy and confidentiality of your username, access card, password and/or PIN.
We may share your personal information with third parties involved in the process of providing the services you request, such as other lenders, registered credit bureaus, customer service providers, collection agencies as well as the South African Credit and Risk Reporting Association (SACCRA).
We may also share your personal information with third parties who provide services which could be of use to you, such as debt repair companies who offer consumers assistance where the consumer has been placed under debt review, and for which we receive a fee from the debt repair company.
We have trusted relationships with these carefully selected third parties who either perform services on our behalf, or offer services to you directly. All third parties and service providers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy.
We may disclose your personal information:
You are entitled to request access to your personal information at a prescribed fee and to request that inaccurate, irrelevant, excessive, outdated, incomplete, misleading or unlawfully obtained information be corrected.
This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of South Africa. To the extent that a court has jurisdiction over any dispute which may arise out of or in connection with this Privacy Policy, you agree that the matter be heard in the High Court of South Africa, Western Cape Division, alternatively a court of competent jurisdiction in South Africa.
Notwithstanding the above, we will disclose your personal information without your consent:
We understand the value of your personal information and therefore will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. Your personal information is stored in databases that have built-in safeguards and firewalls to ensure the privacy and confidentiality of that information.
We recognise the need for appropriate protection and management of the personal information you share with us. We protect that information using Secure Socket Layer (SSL) encryption technology and by limiting employee access on a need-to-know basis. We store data in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack.
Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required. We also test our systems regularly to make sure our security mechanisms are up to date.
We are subject to South African data protection laws including, but not limited to, those contained in the National Credit Act 2005 read with the National Credit Amendment Act 2014 ("NCA"), POPIA, CPA, the Electronic Communications and Transactions Act of 2002, and the Promotion of Access to Information Act of 2000, which we fully comply with.
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering at GraceNineteen you may receive follow-up contact and offers from third party companies as you have agreed to do by accepting this Privacy Policy and, while we only work with selected partners, we are not responsible for the services or representations of third parties.
Because we are not responsible for any representations or information or warranties or content on any website of any third party (including websites linked to this website or websites facilitated by us), we do not exercise control over third parties' privacy policies and you should refer to the privacy policy of any such third party to see how such party protects your privacy.
To register with us you must be 18-years of age or older. Minors are strictly forbidden from using our services.
We reserve the right, in our sole discretion to update, modify or amend (including without limitation, by the addition of new terms and conditions) this Privacy Policy from time to time with or without notice. You therefore agree to review the Privacy Policy whenever you visit the GraceNineteen website for any such change. Save as expressly provided to the contrary herein, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.
Address: 4th Floor New Building, Investec Bank, 100 Grayston Drive, Sandton, 2196, South Africa
If you have any comments, questions or concerns arising from this Privacy Policy or our collection, processing and storing of your personal information, please contact us by sending an email to: support@gracenineteen.com
Should we be unable to address your concerns, or should you have a complaint about the collection, processing or storage of your personal information, you may contact the Information Regulator by sending an email to: inforeg@justice.gov.za.
