Privacy Policy

Welcome to FinFix Shared Services (Pty) Ltd. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website. By using our services, you agree to the practices described in this policy.

Collection of Information

FinFix Shared Services (Pty) Ltd collects your personal information when you use our website to apply for a quote. This information may include, but is not limited to, the following.

• Your first name and surname
• ID number
• Contact details (telephone number and email address)
• Financial information required for generating your credit report

Use of Information

The information we collect is used to provide you with the following services.

• Generation of a credit report through XDS
• Improvement of our website and services
• Communication with you regarding your credit report, quote and other related services in the financial industry

Protection of Information

We take the security of your personal information seriously. FinFix Shared Services (Pty) Ltd uses various security measures to protect your information from unauthorised access, use, or disclosure, in line with legislation such as the Protection of Personal Information Act 4 of 2013 (POPI). We assure you that if your personal information is obtained and/or used and/or disclosed in an unauthorised manner, such as by unauthorised third parties, we will notify you by means of an email.

Sharing of Information

We will not sell, rent, or share your personal information with unauthorised third parties without your consent, except as required to provide our services or as required by law.

MyFinFix mobile app (Android and iPhone)

This section applies to the MyFinFix app, available on Google Play and the Apple App Store, which is for existing FinFix debt review clients. The other sections of this policy continue to apply to our website.

What the app collects

• Account and identity details: your name, email address, username, South African ID number and cell number, which you give us when you register or that we already hold on your debt review file, and your physical address.
• Debt review information shown in the app: balances, creditors, payments and monthly statements. This comes from FinFix's records; the app displays it to you.
• What you send us through the app: documents you upload (for example proof of residence), call-back requests and the comments you add.
• Technical data: a push-notification token and a Firebase installation ID that identify your device, and which screens you open (screen names only, no content).

The app does not use your location, contacts, camera or microphone, and does not show advertising or use the advertising ID.

Why we use it

• To run the app: show your debt review, send you notifications, let you download statements, upload documents and contact us.
• To manage your account and communicate with you about your debt review.
• To understand how the app is used and to find and fix problems.

Who receives it

• FinFix Shared Services (Pty) Ltd.
• Google Firebase, which provides push notifications and usage analytics for the app and processes the technical data above on our behalf.

We do not sell your personal information. We disclose it to others only to provide our services or where the law requires.

Security

Data sent between the app and our servers is encrypted in transit (HTTPS). Access to your information is limited to people who need it to serve you.

Keeping and deleting your information

You can ask us to delete your MyFinFix account and the data linked to it: in the app under Menu → FAQ's → “How do I delete my account or my data?”, or at https://www.finfix.co.za/account-data. Records connected to your debt review must be kept as required by law (including the National Credit Act and POPIA) for 90 days, after which they are deleted.

Children

The app is not intended for anyone under 18.

Anti-Spam and Unsolicited Communications

Anti-Spam and Unsolicited Communications FinFix Shared Services (Pty) Ltd does not send unsolicited bulk or commercial email and does not conduct email marketing. We do not advertise our website (finfix.co.za) or our services through unsolicited messages of any kind. We do not authorise or permit any staff member, affiliate, agent, or third party to promote finfix.co.za or our services using unsolicited email, bulk messaging, or spam. All legitimate email from FinFix is sent through our authorised corporate mail system in the course of ordinary business correspondence. Any message promoting finfix.co.za through unsolicited or bulk means is not sanctioned by FinFix and does not originate from our authorised systems.

Cookies and Tracking Technologies

FinFix Shared Services (Pty) Ltd may use cookies and other tracking technologies to enhance your experience on our website. Cookies help us remember your preferences and analyse the performance of our website.

Your Rights

You have the right to access your personal information held by us, to correct, delete, or limit its processing. Please feel free to contact us if you have any questions or requests regarding your personal information.

Changes to this Privacy Policy

FinFix Shared Services (Pty) Ltd may amend this privacy policy from time to time. We will publish any changes on this page and notify you of any significant changes. We encourage you to review this page regularly for the latest information on our privacy practices.

Contact Us

If you have any questions about this privacy policy or how we handle your personal information, please contact us at info@finfix.co.za.

By using our website, you acknowledge that you have read and understood this privacy policy and agree to the collection, use, and disclosure of your personal information as outlined herein.