TRANSUNION CREDIT BUREAU (PTY) LIMITED ("TRANSUNION")
Internet Information. When you visit and use any Products or functions in TransUnion Site, we may collect the behavioural data and general internet data, including your internet protocol ("IP") address, metadata, location data, date and time you visit:
Marketing Data. The information we collect for our Digital Marketing business is segregated from Consumer Credit Information. Marketing Data may include information on consumers, households, and businesses as well as non-personal aggregated information and advertising program performance data. Marketing Data includes information about you, such as demographics, life events, public records, or firmographics. Demographic data includes information such as age, gender, income, occupation, education, and marital status. Life events data includes information such as a recent move or home purchase. Public records data includes information such as summarized census data, geographic data, and property data from local tax assessor and recorded deed information. Firmographic data includes information such as type of business, years in business, size of business, and job titles.
TransUnion limits the use and disclosure of personal information to include only what is permitted and prescribed in terms of the NCA, PoPIA or any other applicable laws or in instances where consumers have consented to such collection, use and disclosure.
Unless permitted by the laws or with your consent, we do not use any of your Personal Information concerning the religious, or philosophical beliefs, race or ethnic origin, trade union membership, political persuasion, health or sex life or biometric information.
Specifically, we use and disclose information in the following circumstances:
Information of the following nature is not included in your credit report:
In the majority of instances, TransUnion is not capable of being provided with direct consent by consumers. Such consent is directly provided by consumers to TransUnion's data suppliers. TransUnion however takes all reasonable measures to ensure that all data suppliers are contractually bound to ensure that all legally required consents are obtained prior to accessing any Consumer Credit Information contained in our credit reports.
We retain your Personal Information for as long as reasonably necessary to fulfil the purpose(s) for which it was collected and to comply with applicable laws and your consent to such purpose(s) remains valid after termination of our relationship with you.
Furthermore, we retain your Consumer Credit Information in our credit information database in accordance with the data retention periods prescribed by the NCA.
Unless permitted under the law or your consent is obtained, TransUnion will not transfer your Personal Information outside the Republic of South Africa.
TransUnion aims to ensure that your Personal Information is accurately recorded. To be able to achieve this, we adhere to processes that help ensure and maintain data accuracy. We provide individuals with reasonable access to review and correct their Personal Information, as detailed in our website.
When gathering your Consumer Credit Information TransUnion works with our data suppliers to increase their awareness of the importance of providing only Consumer Credit Information that is accurate, complete, and up to date. TransUnion however, cannot alter the information reported by such data suppliers, unless the information is determined to be wrong, incomplete or inaccurate. If you do not agree with the accuracy of information TransUnion has on file, we have procedures in place to ensure that such information is verified, and where appropriate, amended or corrected. We however rely on you to bring any such information challenges to our attention.
Unless otherwise provided in any laws, you have the right to access, update, correct or object to processing your Personal Information. You may contact us:
When you contact us please let us know your name, address, any email address you have provided on TransUnion Site and a description of the circumstances under which you provided the data. We will make reasonable efforts to incorporate as soon as practicable the changes in Personal Information that we maintain.
You have the right to lodge a complaint to the Information Regulator:
TransUnion takes security and the protection of Personal Information and Consumer Credit Information seriously. We maintain physical, technical and organizational safeguards to protect any data that we collect. We have adopted procedures to secure storage of Personal Information and are committed to working with our data suppliers to protect the security of Personal Information during any transfer to or from us. Moreover, we have also instituted a number of safeguards to identify and help prevent the fraudulent use of Consumer Credit information Furthermore, your Personal Information is only accessible to those TransUnion employee members, agents or contractors for business purposes and on a strictly need to know basis. For security purposes we then move all of the Personal Information that we collect or obtain about you, including your credit report, to an environment on our proprietary network that has controls in place to limit access to and secure the data maintained therein.
In TransUnion Site, we takes precautions to secure your Personal Information. If and when we ask you to provide your Personal Information, we will do so through a Web page that uses the industry standard secure transport protocol protocol. This protocol provides security for your information by encrypting it as it travels from your computer to our computer.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access to or making alterations to data we maintain.
We define children as individuals under the age of 18. TransUnion Site is not intended for the use of children and we do not intend to collect information about children through TransUnion Site. TransUnion does not knowingly collect information from children under the age of 18 and our websites do not target children under 18. We encourage parents and guardians to take an active role in their children's online activities and interests.
You must be at least 18 to access or use any products or services through TransUnion Site or become a subscriber of any subscription program entitled to subscription benefits. Specific to our direct marketing service, we define children as individuals age 18 or younger.
TransUnion is not responsible for how such parties collect, use or disclose your information and it is important for you to familiarize yourself with their privacy policies before providing them with your Personal Information.