"Experian" means Experian South Africa (Proprietary) Limited, registration number 2006/010440/07, a private company registered in accordance with the laws of the Republic of South Africa;
"Personal information" means any information about an identifiable person.
"Consumer credit information" means information concerning—
Information Incorporated in Your Credit Report
The following information is included in your credit report:
Information not incorporated in Your Credit Report
The following information is not incorporated in your credit record:
Race, political affiliation, medical status or history, religion or thought, belief or opinion, sexual orientation except to the extent that such information is self-evident from the record of the consumer’s marital status and list of family members, membership of a trade union except to the extent that such information is self-evident from the record of the consumer’s employment information.
Sources of Information
Experian limits the collection of personal information to include only what is permitted in terms of the NCA and which is necessary to our clients for credit/service application to enable them to make meaningful and accurate decisions. Furthermore, we ensure that our data retention policies are in compliance with the NCA. The sources of information are:
We encourage you to assist us in maintaining the accuracy of your personal information by notifying us of any changes. We cannot alter the information reported by our Subscribers unless the information is determined to be wrong or inaccurate. If you do not agree with the accuracy of information that Experian has on file, we have procedures to ensure that such information is verified, and, where appropriate, amended or corrected.
Use and Disclosure of Your Personal Information
Experian is a registered credit bureau in terms of the NCA and it conducts its business in accordance with South African legislation affecting its business including the consumer code for Credit Bureaus Association and the Credit Providers Association. Experian considers it imperative to protect the privacy interests of consumers.
Experian is obliged to comply with Section 68 of the NCA pursuant to which we use a consumer or a prospective consumer’s information only for the purpose permitted in terms of the NCA or other applicable legislation.
Experian will report or release that information only to the consumer, prospective consumer or to another person:
By accepting these terms and conditions, you expressly acknowledge, agree and consent to Experian using your confidential information, for the following purposes, which specifically includes, but is not limited to:
Furthermore, Regulation 18(4) of the NCA prescribes the purposes for which your Consumer Credit Information may be used being:
Where required by the NCA, Experian will use Consumer Credit Information upon receipt of the consumer’s consent. Consumers often provide such consent directly to our Subscribers. We make our Subscribers aware of the importance of obtaining consumer consent in prescribed cases where such consent is required by the NCA. Consent should be obtained prior to providing Experian with the consumers’ personal information, and prior to accessing the personal information obtained in our credit reports.
Maintenance of Consumer Credit Information
Experian endeavors to maintain all Consumer Credit Information by:
Data providers such as credit providers defined in the NCA (collectively "Subscribers" ) who submit data to credit bureaus like Experian must take reasonable steps to ensure that the information reported to credit bureaus is relevant, up to date and not duplicated.
Security of Your Personal Information
We endeavor to take all reasonable steps to protect your personal information. All the data collected by us is stored on a secure server. The communication between your workstation and our servicer is encrypted with a secure socket layer tunnel.
Retention of Your Personal Information
Experian retains your personal information in our credit information database in accordance with the data retention periods prescribed by the NCA.
Links to Other Websites
Consumers’ are welcome to contact Experian should they require more information or have any questions. We can be contacted as follows:
Consumer Relations: 0861 10 5665
Subscribers: 0861 63 6070