Care Credit Privacy Policy
Your Consent
By submitting your details or using our services, including applying for a loan through our website or other platforms, you accept the terms of this Privacy Policy and expressly provide your voluntary, specific, and informed consent to the processing, storage, and disclosure of your personal information as described below. If you do not agree with any aspect of this Privacy Policy or the terms of your loan agreement, please do not proceed with registration or application.
Personal Information
Personal information, as defined by the Protection of Personal Information Act of 2013 (“POPIA”), includes any data that identifies or relates specifically to you. This may include your name, age, identity number, financial details (e.g., income, bank account number), physical address, email address, contact numbers, payment records, and employment details.
How We Collect Your Personal Information
We collect your information directly from you when you apply for a loan or register with us online, and from external sources such as registered Credit Bureaus to verify your creditworthiness.
How We Use Your Personal Information
As a responsible lender, Care Credit uses your personal information to ensure a smooth lending process and compliance with the National Credit Act of 2005. We collect and process your data for the following purposes:
- To verify your identity and the accuracy of the information you provide.
- To process your loan application and instructions.
- To assess your eligibility for our loan products by analyzing your personal and financial information, including automated processing to create a credit profile. This helps us determine your ability to repay the loan.
- To facilitate payment processing by sharing data with financial institutions or payment agencies.
- To inform you about relevant loan-related updates or services, tailored to your needs.
- For statistical analysis and to improve our loan offerings.
- To assess and manage lending risks.
- To prevent fraud, money laundering, and other illegal activities.
- To enforce loan agreements, including collection or legal proceedings if necessary.
Direct Marketing
We may offer you the option to receive direct marketing communications about our loan products and services via email, SMS, or other electronic means. This requires your explicit consent, which you can provide during the application process. You may opt out at any time by clicking the unsubscribe link in our communications or contacting us directly.
Additional Data Collection
Besides the information you provide, we may collect data about your device (e.g., IP address, browser type) for fraud detection and system administration. We use cookies to enhance your experience, track usage patterns, and improve our services. You can disable cookies in your browser, but this may limit some site functionality.
Security and Confidentiality
We prioritize the security of your personal information, using encryption (e.g., SSL), firewalls, and restricted access to protect it. Our systems comply with South African data protection laws, including POPIA, the National Credit Act 2005, and the Electronic Communications and Transactions Act of 2002. We regularly test and update our security measures.
Disclosure of Your Personal Information
We may share your information with third parties involved in loan processing, such as Credit Bureaus, payment providers, or collection agencies, under strict confidentiality agreements. We do not share data with third parties for unrelated marketing unless you consent.
Disclosure Without Consent
We may disclose your information without consent if required by law, a court order, or to prevent fraud, ensure national security, or conduct legal proceedings, provided it does not prejudice your legitimate interests.
Right to Request Access
You have the right to request access to your personal information at a prescribed fee and to request corrections if the data is inaccurate, irrelevant, outdated, or unlawfully obtained.
Which Laws Apply?
This Privacy Policy is governed by the laws of South Africa. Any disputes will be resolved in a South African court of competent jurisdiction.
Foreign Parties
If we transfer your data abroad (e.g., to payment processors), we ensure it is protected to standards at least as strict as those in South Africa.
Changes to This Privacy Policy
We may update this Privacy Policy at our discretion. Please review it regularly on our website for changes.
Contact Us
Care Credit, a Division of JUNO24
Phone: 075 287 9452
Email: admin@carecredit.co.za
Information Regulator
For unresolved concerns, contact the Information Regulator at inforeg@justice.gov.za.