Legal
Privacy Policy
Last updated: March 2025
Integrated Financial Wellness (Pty) Ltd respects your privacy. Please read this policy carefully to understand how we handle your personal information.
1. Introduction
Integrated Financial Wellness (Pty) Ltd ("we", "us", "our") is committed to protecting your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and other applicable South African privacy legislation. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or use our services.
2. Information We Collect
We may collect and process the following categories of personal information: • Identity information: full name, ID number • Contact details: phone number, email address, physical address • Financial information: income details, employment status, outstanding debts • Technical data: IP address, browser type, pages visited, cookies • Communications: messages you send us via our contact and service forms We collect this information when you complete a form on our website, contact us directly, or use our services.
3. How We Use Your Information
We use your personal information for the following purposes: • To assess your eligibility for our debt counselling or ADR services • To communicate with you regarding your application or matter • To obtain your credit report for assessment purposes (with your explicit consent) • To comply with our legal obligations under the National Credit Act and other applicable laws • To improve our website and services • To send you relevant updates or communications (where you have opted in)
4. Legal Basis for Processing
We process your personal information on the following legal grounds: • Your consent (e.g. when you submit a form and consent to a credit inquiry) • Performance of a contract or to take steps prior to entering into a contract • Compliance with a legal obligation • Our legitimate interests in providing financial wellness services
5. Sharing Your Information
We do not sell your personal information. We may share your information with: • Credit bureaus (with your consent) to obtain credit reports • The National Credit Regulator (NCR) as required by law • Courts and tribunals when facilitating dispute resolution • Service providers who assist us in delivering our services, under strict confidentiality obligations • Law enforcement or regulatory authorities where required by law
6. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Typically, client records are retained for a minimum of 5 years after the conclusion of services, in line with applicable statutory requirements.
7. Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, destruction, or alteration. These measures include secure data storage, access controls, and regular security assessments.
8. Cookies
Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device. We use: • Essential cookies: necessary for the website to function • Analytics cookies: to understand how visitors use our site (with your consent) You can manage your cookie preferences at any time through your browser settings or our cookie banner.
9. Your Rights (POPIA)
Under POPIA, you have the right to: • Access the personal information we hold about you • Request correction of inaccurate information • Request deletion of your personal information (subject to legal obligations) • Object to the processing of your personal information • Lodge a complaint with the Information Regulator of South Africa To exercise any of these rights, please contact our Information Officer at Website@integratedfin.co.za.
10. Information Officer
Our designated Information Officer can be contacted at: Email: Website@integratedfin.co.za Phone: 0690328406 Address: Umhlanga, 4319, KwaZulu-Natal, South Africa
11. Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website. We encourage you to review this policy periodically.