Privacy Policy
Privacy Policy for The CS Group
Effective Date: 01/06/2024
At The CS Group, your privacy is important to us. This Privacy Policy outlines how we collect, use, store, and protect your personal information in compliance with the Protection of Personal Information Act (POPIA) and other applicable laws.
1. Information We Collect
We collect personal information when you:
- Visit our website or use our services.
- Contact us via phone, email, or social media.
- Sign up for our debt counseling, ITC clearance, or insurance products.
The personal information we may collect includes:
- Contact Information: Full name, email address, phone number, and physical address.
- Financial Information: Income, debt details, credit reports, and payment history.
- Identification Information: National ID number, tax number, and other relevant data for legal and verification purposes.
- Insurance Information: Details related to insurance products like credit life, income protector, and funeral cover.
2. How We Use Your Information
We use your personal information for the following purposes:
- To provide debt counseling, ITC clearance, and insurance services.
- To communicate with you regarding your account or services.
- To process applications and manage claims for insurance products.
- To comply with legal obligations, including POPIA and regulatory requirements.
- To improve our services and customer support.
- For marketing purposes, including sending promotional information (with your consent).
3. Sharing of Information
We may share your information with:
- Third-Party Service Providers: We work with third-party partners, such as DC Credit Protect (Pty) Ltd and Alivio Financial Services (Pty) Ltd, to deliver our insurance products. These companies are authorized Financial Service Providers (FSP No. 51550 and FSP No. 50575, respectively) and comply with relevant data protection laws.
- Legal Authorities: We may share information with government or regulatory authorities as required by law.
- Affiliates and Partners: With your consent, we may share data with our affiliates and business partners to offer relevant products and services.
We do not sell or rent your personal information to third parties.
4. Data Security
We take appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, or misuse. These include:
- Encryption: We encrypt sensitive data during transmission and storage.
- Access Control: Only authorized personnel have access to your personal information.
- Secure Servers: We use SSL certificates to secure all online transactions and communications.
- Regular Audits: We regularly review our security measures to ensure compliance with legal requirements and industry best practices.
5. Your Rights
Under POPIA, you have the following rights:
- Access to Information: You may request details of the personal information we hold about you.
- Correction of Information: You can request the correction of inaccurate personal data.
- Deletion of Information: You may request the deletion of your personal data, subject to legal and contractual obligations.
- Withdraw Consent: If you previously provided consent for marketing communications, you may withdraw your consent at any time.
6. Data Retention
We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
7. Cookies and Tracking
Our website uses cookies and similar technologies to improve user experience and analyze traffic. You can manage cookie preferences through your browser settings.
8. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. We encourage you to review this policy regularly.
9. Contact Us
If you have any questions or concerns about our Privacy Policy or the handling of your personal information, please contact us at:
The CS Group
Email: [email protected]
Phone: +27573524115
Website: www.thecsgroup.co.za
Physical Address: 149 Constantia Rd, Dagbreek, Welkom, 9459
By accessing and using The CS Group website and services, you agree to comply with our Terms of Service. These terms outline the rules and regulations governing your use of our services, including debt counseling, ITC clearance, and insurance products. You must provide accurate and truthful information when using our services and agree not to misuse them in any way. The CS Group reserves the right to modify or update these Terms of Service at any time, and your continued use of the services constitutes acceptance of those changes. If you do not agree with these terms, please refrain from using our services.
Our website may contain links to third-party websites that are not operated by The CS Group. We have no control over the content, privacy policies, or practices of these external sites and are not responsible for their actions. We encourage you to review the privacy policies and terms of service of any third-party websites you visit. The inclusion of any links does not imply endorsement by The CS Group of the linked sites or their content.
The CS Group uses cookies and similar tracking technologies to enhance user experience on our website. Cookies are small text files stored on your device that help us remember your preferences and analyze site traffic. By using our website, you consent to the use of cookies as described in this policy. You can manage your cookie preferences through your browser settings; however, disabling cookies may affect the functionality of our website.