Website terms and conditions

Your terms and conditions for accessing experian.co.za

Important Information

Please read these terms and conditions ('terms of use'). By viewing and using the website, you are agreeing to the terms that appear below. The section called 'Guarantee' contains important information about your rights and our responsibilities.

 

Who we are

We, Experian South Africa (Proprietary) Limited, own and run the website. We are a company based in South Africa with registration number 2006/010440/07 (“Experian”, “we”, “our”, “us”). Our registered office is at Experian House, Ballyoaks Office Park, 35 Ballyclare Drive, Bryanston, 2021. If you have any questions about this website or these terms, please use the relevant contact details set out on the 'Contact us' page.

 

Conditions of access

These conditions of access, as amended from time to time (the “agreement”), govern your use of our website. This agreement forms an agreement between you and Experian.

 

About this agreement

This agreement sets out the data processing practices carried out through your use of this website by Experian South Africa (Proprietary) Limited, its parent company, holding companies and/or subsidiaries (“the Group”).

If you have any requests concerning your personal information or any queries with regard to these practices, please contact us.
 

Acceptance

These conditions become effective when you access the website and constitutes a binding agreement between us and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this website.

Your use and access of this website is conditional upon your acceptance, without modification, of the terms of this agreement. If you do not agree with any provision contained in this agreement, please do not use this website.
 

Amendment of terms and conditions

We reserve the right, in our sole discretion, to amend (including without limitation, by the addition of new terms and conditions) these terms of use at any time and from time to time without notice to you. Any such amendments shall come into effect immediately and automatically. You agree to review these terms of use whenever you visit the website for any such amendments.
 

Content

We or our licensors own all the rights to all the materials contained in the website, and the information the website collects (we refer to all this as 'the content'). This includes patents, copyright, database rights and registered and unregistered trademarks. By making the trademarks available on the website, we are not giving you any permission to use them.
 

You can:

view and display the content on a computer screen; print individual pages on paper or make a reasonable number of photocopies (or both) for your personal use and store the content in electronic form on your computer's hard drive for your personal, non-commercial use only.

This website is Copyright ©2020, Experian South Africa (Proprietary) Limited. All rights reserved.

You may not establish a hyperlink, frame, meta-tag or similar reference, whether electronically or otherwise ("linking") to this website or any other subsidiary pages without our prior written consent, which consent is at our sole discretion. In the event that you have not heard from us within 5 (five) working days, please consider your request as having been rejected.

Guarantee

The content is only for general information, and we provide it as it becomes available. We take reasonable care to check that the content is accurate and complete before we publish it on the website. However, because we get the content from a number of different sources - and because of the issues involved with providing information through the Internet - we cannot guarantee that the content will always be accurate, available, complete or fit for any particular purpose.

We do not guarantee that the content is free from viruses, or that you will always be able to use the website without any interruption or error. If you download any content to your computer or take the content from the website in any other way, you do so at your own risk. We will not be responsible for any damage to your computer or any of the information on it.

We do not accept any responsibility for any mistakes, errors or other faults in the website and the content, or for how you use the website and the content.

However, nothing in these terms of use removes or limits our liability for death or personal injury caused by our negligence or for any liability which we cannot limit or exclude under South African law.


Links to other websites

For your convenience, this website may contain links to other websites belonging to or operated by third parties ("third party websites"). By making the hyperlinks available, we are not endorsing, recommending or promoting third party websites, their content, products or services that they offer or the owners of these third-party websites. We have no control over the third-party information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. It is your responsibility to ensure that you obtain all information relevant to making a decision and that you read the privacy and security policy on such third-party websites. We have no control over such third-party websites and will not be liable for any loss or damage you suffer, whether directly or indirectly, as a result of your use of third party websites. You agree that where you access third party websites, you do so entirely at your own risk.


Your privacy

We take your privacy very seriously and aim to keep to the relevant conditions set out in South African legislation pertaining to information privacy. Any information you give to us or we collect from you when you use the website is only used in line with the terms of our privacy policy statement.


Changes to the terms of use

We may make changes to these terms of use from time to time. By accessing and using this website, you are consenting to the collection, use and disclosure of your personal information in accordance with these terms of use. You should check this page regularly to see our most up to date policy. We will tell you about any changes to these terms of use by showing the date of the changes in the 'Last updated' section below. By using the website after the date, we make any changes, you are agreeing to the changes.

Last updated: 28/04/2010


Use of information

Experian is a registered credit bureau in terms of the National Credit Act 34 of 2005 (“NCA”) and it conducts its business in accordance with applicable South African legislation including the code of conduct issued by the Credit Bureaus Association, the South African Risk Reporting Agency and/or any applicable industry or regulatory circular, directive, guideline and such like . Experian considers it imperative to protect the privacy interests of consumers. Please see our detailed privacy policy statement in this regard.

Experian is obliged to comply with Section 68 of the NCA pursuant to which credit bureaus use a consumer or a prospective consumer’s information for the purpose permitted or prescribed in terms of the NCA and/or other legislation.

Experian will report or release that information only to the consumer, prospective consumer or to another person:

  • to the extent permitted or required by the NCA and/or other applicable legislation;
  • as directed by the instructions of the consumer or prospective consumer;
  • or an order