Effective Date: [12/05/2025]

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At Smart Debt Solutions, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information in accordance with the Protection of Personal Information Act (POPIA) and other applicable laws in South Africa.

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1. Information We Collect

We may collect and process the following personal information:

• Full name

• Contact details (email address, phone number, residential address)

• Identification numbers (such as your ID number)

• Financial information (including salary, expenses, debts, and credit records)

• Employment information

• Any other information voluntarily submitted through our website, contact forms, or consultation services.

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2. How We Collect Your Information

We collect your information:

• When you complete a contact or application form on our website

• Through emails, phone calls, or WhatsApp messages

• During consultations or service agreements

• From third-party credit bureaus or public records, with your consent

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3. Why We Collect Your Information

We collect and use your personal information for the following purposes:

• To assess your financial situation

• To provide debt review and restructuring services

• To communicate with you regarding your application or services

• To comply with legal and regulatory obligations

• To improve our services and customer experience

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4. Sharing Your Information

We will never sell your personal information.

We may share your data with:

• Registered debt counsellors

• Attorneys or legal partners assisting in your case

• Credit bureaus (with consent)

• Regulatory bodies when legally required

All third parties are contractually obligated to safeguard your information in accordance with POPIA.

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5. Security of Your Information

We are committed to securing your personal data and take reasonable technical and organizational measures to protect it from unauthorized access, loss, or misuse.

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6. Your Rights Under POPIA

You have the right to:

• Access the personal information we hold about you

• Correct or update your information

• Object to the processing of your personal data

• Request deletion of your data where legally permissible

To exercise these rights, please contact us at:
📧 info@smartdebtsolutions.co.za
📞 

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7. Cookies and Website Usage

Our website may use cookies to enhance user experience. You can adjust your browser settings to refuse cookies if you prefer.

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8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.

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9. Contact Us

If you have any questions about this policy or how your data is handled, please contact us:

Smart Debt Solutions
📍 416 Schaapkraal Road, Cape Town. South Africa
📧 info@smartdebtsolutions.co.za
📞