Vhavenda Debt Collection (Pty) Ltd (“Vhavenda,” “we,” “us”) is committed to protecting personal information in line with the Protection of Personal Information Act 4 of 2013 (POPIA). This policy explains how we collect, store, use, and safeguard your information and applies to both clients and employees.
This policy outlines the principles Vhavenda follows to ensure lawful and secure processing of personal information. It applies to all employees, clients, suppliers, and partners interacting with us.
“Personal Information”: Data that identifies an individual (e.g., name, ID number, financial information).
“Processing”: Any activity involving personal information, including collection, storage, use, dissemination, and destruction.
Vhavenda may collect and process:
- Personal Identification: Full name, ID number, date of birth, gender
- Contact Information: Phone number, email, physical address
- Financial Data: Bank account details, payslips, credit history
- Employment Data: Job title, salary, tax information
- Loan Applications and Payment Records: Loan amounts, repayment history
- Website Activity: IP addresses, browser type, and cookie data
Vhavenda processes personal information only when:
- The data subject provides explicit consent (e.g., loan application).
- It is necessary to fulfil a contract (e.g., disbursing loans).
- Required by legal obligation (e.g., reporting to regulators).
- To protect legitimate interests of the data subject or company.
We use personal information for:
- Credit assessments to determine loan eligibility
- Loan disbursement and repayment management
- Debt collection and tracing in case of default
- Communication with customers via email, SMS, and WhatsApp
- Compliance with the National Credit Act (NCA)
We retain personal information for as long as legally required. Once data is no longer needed, it will be securely destroyed.
Physical records: Shredded via a certified service provider.
Electronic records: Permanently deleted, including from backups.
We implement technical and organisational measures to protect personal data, including:
- Password protection and firewalls
- Encrypted storage systems
- Secure physical access to premises
In the event of a data breach, we will notify affected parties and the Information Regulator.
We may share personal information with:
- Credit bureaus for assessments
- Payment gateways for transactions
- Regulators such as the NCR for compliance
We will not sell personal data to third parties.
Vhavenda uses cookies to collect information about your website use.
- Analytics Cookies: Measure traffic and site performance
- Marketing Cookies: Provide targeted ads
Users can disable cookies through their browser settings
You have the right to:
- Access the personal data we hold about you
- Correct or update your information
- Withdraw consent to processing (subject to legal requirements)
- Lodge a complaint with the Information Regulator
For any questions about this policy or your data, contact us at:
Email: Vhavendadebtcollection@theinfo.co.za
