1.1. In this Policy, "we", "us" and "our" refer to Globify 3 cc, including our subsidiaries, our ultimate holding company and all its direct and indirect subsidiaries (the “Group”). For more information about us, see Section 16 1.2. We are committed to protecting your privacy. 1.3. This Policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users. A data controller determines the purposes and means of the processing of the personal data it receives.
2.1. This Policy applies to all our websites and platform. 2.2. By submitting your details and/or using the website you accept the terms and conditions of the Policy and explicitly consent to the collection, use and disclosure of your personal information in the manner described below. 2.3. Our websites may provide links to third-party websites for your convenience and information. 2.4. If you access those links, you will leave our websites. We do not control those sites or their privacy practices, which may differ from our own privacy practices. 2.5. This Policy does not cover any personal data that you choose to give to unrelated third parties. 2.6. We do not monitor or control the information collected by such sites or the privacy practices of any third parties, and we are not responsible for their practices or the content of their sites.
3. CUSTOMER PRIVACY NOTICE
3.1. This Policy explains how we obtain, use, and disclose your personal information, as is required by the Protection of Personal Information Act 4 of 2013, (“POPIA”). 3.2. We are committed to protecting your privacy and to ensure that your personal information is collected and used properly, lawfully, and transparently. 3.3. This Policy sets out: 3.3.1. who we are; 3.3.2. what information we collect; 3.3.3. our aim to provide ongoing financial services; 3.3.4. to whom we disclose your information; 3.3.5. how we safeguard your information; 3.3.6. your rights to access and correction of information; 3.3.7. changes to this Policy; 3.3.8. how to contact us; and 3.3.9. the Information Regulator’s contact details.
4. WHO WE ARE
4.1. For more information about us, see Section 16.
5. THE INFORMATION WE COLLECT
5.1. We collect and process your personal information to provide you with access to our services and products, to help us improve our offerings to you and for certain other purposes explained below. 5.2. The type of information we collect will depend on the purpose for which it is collected and used. We will only collect information that we need for that purpose. 5.3. We may process the following:
5.4.1. from you (or someone duly authorised on your behalf) when:
18.104.22.168. viewing our website (via cookies); 22.214.171.124. using our website to open an account or apply for a product and/or service; 126.96.36.199. contacting us by email, social media, or telephone (calls are recorded); 188.8.131.52. completing customer surveys;
5.4.2. from third parties such as:
184.108.40.206. service providers who:
220.127.116.11.1. help us monitor the ease of use of our website and online account opening process, so we can improve the user experience; and 18.104.22.168.2. help us carry out market research, surveys and business and statistical analysis.
6. HOW WE USE YOUR INFORMATION
6.1. We will use your personal information only for the purposes for which it was collected or agreed with you, for example:
6.1.1. to provide our products or services to you, to carry out the transaction you requested and to maintain our relationship; 6.1.2. to facilitate transactions; 6.1.3. to service, maintain or collect accounts; 6.1.4. for product applications and evaluate your eligibility for such products; 6.1.5. to conduct credit reference searches or verifications; 6.1.6. to conduct credit scoring and assessment, ongoing credit management; 6.1.7. toto perform risk management including credit risk analysis; 6.1.8. to provide security for our clients and employees; 6.1.9. to conduct account verification; 6.1.10. to confirm and verify your identity or to verify that you are an authorised user for security purposes; 6.1.11. for operational purposes; 6.1.12. for purposes of claim checks; 6.1.13. for the detection and prevention of fraud, crime, money laundering or other malpractice; 6.1.14. for debt tracing or debt recovery; 6.1.15. to conduct market or customer satisfaction research or for statistical analysis; 6.1.16. for audit and record keeping purposes; 6.1.17. in connection with legal proceedings; 6.1.18. to comply with legal and regulatory requirements or industry codes to which we subscribe, or which apply to us, or when it is otherwise allowed by law (for example to protect our interests).
7. SHARING INFORMATION WITH OTHERS
7.1. We may disclose your personal data to any member of the Group insofar as reasonably necessary for the purposes, and on the legal bases, set out in this Policy. 7.2. We may disclose your personal data to our Group entities and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise, or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. 7.3. We may disclose your information to the following third parties:
7.3.1. any firm, organisation or person we use to help us operate our business or to provide a service on our behalf, including providers of our payment systems, debt collection agencies we use to collect payments and recover debts, tracing agents or investigators, and suppliers who monitor use of social media to help us improve our decisions; 7.3.2. any firm, organisation or person who provides us with products or services or who we provide products and services to, including IT suppliers, auditors, marketing agencies, document management providers, tax advisers, post management and print providers, and suppliers who monitor the use of our website and online account opening and application process to help us improve the user experience; 7.3.3. law enforcement agencies to investigate and prevent crime; 7.3.4. law firms or any other organisations we instruct to provide legal advice or assist with legal proceedings; 7.3.5. survey providers and third parties we appoint to carry out market research or business analysis; 7.3.6. our regulators and governmental authorities, ombudsmen, or other authorities, including tax authorities; 7.4. We may also disclose your personal data to other third parties where: 7.4.1. you have provided your consent to share your information with the third party; 7.4.2. the disclosure is required by law or by a regulator with authority over us or you, for example where there is a statutory obligation or court order; 7.4.3. payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments, and dealing with complaints and queries relating to such payments and refunds; or at your option, and only with your consent, we may also share your information with partner organisations we have chosen carefully, so they can contact you about their products and services.
8. THIRD PARTY LINKS
8.1. The website may contain links to third party websites, or you may be directed to our sites through a third-party website. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. 8.2. We are not responsible for any representations, information, warranties or content on any website of any third party, we do not exercise control over third parties' privacy policies and you should refer to the policy of any such third party to see how they protect your privacy.
10. ONGOING FINANCIAL SERVICES
10.1. Given our aim to provide you with ongoing financial services, we would like to use your information to keep you informed about other financial products and services which may be of particular interest to you. 10.2. You may give and withdraw consent and tell us what your communication preferences are by contacting us at the numbers/addresses provided below. 10.3. However, please note, if you opt out of receiving marketing emails, we will continue to send you service related (non-marketing) communications, such as payment reminders.
11. INFORMATION SECURITY
11.1. We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorised access and use of personal information. We will, on an ongoing basis, continue to review our security controls and related processes to ensure that your personal information is secure. 11.2. We are committed to implementing leading data security safeguards. 11.3. We have specialised security teams who constantly review and improve our measures to protect your personal information from unauthorised access, accidental loss, disclosure, or destruction. 11.4. If we have a contract with another organisation to provide us with services or a service on our behalf to process your personal information, we will ensure that your information is protected and that they only process your information in the way we have authorised them to. When we contract with third parties, we impose appropriate security, privacy, and confidentiality obligations on them to ensure that personal information that we remain responsible for, is kept secure.
12. INTERNATIONAL TRANSFER OF DATA
12.1. There will be times when we will process your personal information in other countries for ordinary business purposes or to carry out your instructions. We will only process your personal information with your consent. 12.2. If our servers or suppliers and service providers are based outside South Africa, or if our services are hosted in systems or servers outside South Africa and/or if you use our services and products while visiting countries outside South Africa, we may also need to transfer your information to other entities in the Group or third-party service providers in countries outside South Africa, in which case we will ask the party to whom we transfer your personal information to agree to our privacy principles and practices. This will be included in the relevant contractual agreements. 12.3. We will make sure that your information is protected and enter into appropriate agreements to achieve this.
13. YOUR RIGHTS:
13.1. The right to access personal information
You have the right to establish whether we hold personal information related to you, including the right to request access to that personal information. We will take all reasonable steps to confirm your identity before providing details of your personal information. 13.2. The right to have personal information corrected or deleted
You have the right to request, where necessary, that your personal information must be corrected or deleted where we are no longer authorised to retain the personal information. You may do this by contacting us at the numbers/addresses provided below. We may, subject to any statutory and contractual record keeping requirements, approve the destruction of the personal information. 13.3. The right to object to the processing of personal information
You have the right, on reasonable grounds, to object to the processing of your personal information. In such circumstances, we will give due consideration to the request and the requirements of POPIA. We may cease to use or disclose your personal information and may, subject to any statutory and contractual record keeping requirements, also approve the destruction of the personal information. 13.4. The right to object to direct marketing
You have the right to object to the processing of your personal information for purposes of direct marketing by means of unsolicited electronic communications. 13.5. The right to complain
You have the right to submit a complaint to the Information Regulator regarding an alleged infringement of any of the rights protected under POPIA and to institute civil proceedings regarding the alleged non-compliance with the protection of your personal information. 13.6. The right to query an automated decision
You have the right to query a decision that was made about a product or service that you have applied for and that was made solely by automated means.
14. RETENTION OF INFORMATION
We are obliged to keep your information if we require it for our lawful business purposes or if required by the law. If the law requires us to keep the personal information, it will not be deleted upon your request. The deletion of certain personal information may lead to the termination of your business relationship with us.
15. CHANGES TO THIS POLICY
Please note that we may amend this Policy from time to time. Please check this website periodically to inform yourself of any changes.
16. HOW TO CONTACT US
16.1. If you have questions about this Policy or believe we have not adhered to it, or need further information about our privacy practices or wish to give or withdraw consent, exercise preferences or access or correct your personal information, please contact us at the following numbers/addresses:
16.1.1. Globify 3 cc, a private company duly incorporated under the laws of the Republic of South Africa with registration number: 2008/087882/23. 16.1.2. Our principal place of business 865 Jacques Street, Moreleta Park, Pretoria,0044 16.1.3. You can contact us on any of the details on our site.
17. INFORMATION REGULATOR
17.1. You have the right to complain to the Information Regulator. The contact details for the Information Regulator is as follows:
17.1.1. Email: firstname.lastname@example.org 17.1.2. Telephone: 0795069340 17.1.3. Fax: 086 500 3351 17.1.4. Website: www.justice.gov.za/inforeg/docs.html
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All financial amounts on this website are in South African Rand (ZAR)
General Conditions. We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the website, including terminating, changing, suspending or discontinuing any aspect of the website at any time, without notice. We may impose additional rules or limits on the use of our website. You agree to review the Terms regularly and your continued access or use of our website will mean that you agree to any changes.
You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, feature or product offered through our website.
Links to Third-Party Websites. Links from or to websites outside our website are meant for convenience only. We do not review, endorse, approve or control, and are not responsible for any Sites linked from or to our website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.
Use Comments, Feedback, and Other Submissions. You acknowledge that you are responsible for the information, profiles, opinions, messages, comments and any other content (collectively, the "Content") that you post, distribute or share on or through our website or services available in connection with our website. You further acknowledge that you have full responsibility for the Content, including but limited to, with respect to its legality, and its trademark, copyright and other intellectual property ownership. You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content.
You agree that you will not post, distribute or share any Content on our website that is protected by copyright, trademark, patent or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive or obscene nor will it contain any malware or computer virus that could affect our website's operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party.
We reserve the right to terminate your ability to post on our website and to remove and/or delete any Content that we deem objectionable. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.
Errors and Omissions. Please note that our website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). Such errors, inaccuracies or omissions may relate to product description, pricing, promotion and availability and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law.
We do not undertake to update, modify or clarify information on our website, except as required by law.
Disclaimer and Limitation of Liability. You assume all responsibility and risk with respect to your use of our website, which is provided "as is" without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected, or that our websites or the servers that make our website available are free of viruses or other harmful components.
The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website. We will not be liable for any damages of any kind related to the use of our website.
In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.
Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum permitted by law.
Indemnification. You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to, any third party claim that any information or materials provided by you infringe upon any third party proprietary rights.
Entire Agreement. The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.
Waiver. Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.
Headings. Any headings and titles herein are for convenience only.
Severability. If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.
Questions or Concerns. Please send questions, comments and feedback to us at email@example.com