This Privacy Policy describes ZapDebt’s approach to Privacy and provides information about how ZapDebt collects, uses, processes, and discloses personal information.
If you have questions about this Privacy Policy or would like to exercise any of your privacy rights, you can use our online Privacy Form, or you may contact Customer Care at [email protected].
What This Privacy Policy Covers
This Privacy Policy describes how ZapDebt uses personal information in connection with goods and services sold by ZapDebt, our apps, and the use of the ZapDebt.co.za website unless otherwise listed below.
Activities not covered by this Privacy Policy are:
- Personal information used with ZapDebt’s Identity Protection and Business Data Protection services. These services are governed by the Privacy Policy of the respective provider, as described at the time of activation of services.
- Personal information that may be collected or used by other businesses when you click on third-party links found on our website or use social media widgets that we provide. You can refer to the privacy policy of third-party websites and services for information about their privacy practices.
- Personal information collected and used in connection with ZapDebt’s employment activities, including activities related to job applicants.
ZapDebt’s Approach to Privacy
ZapDebt takes your privacy seriously and is mindful of potential concerns about how we use the personal information we collect from and about you. In addition to this Privacy Policy, we have internal policies and practices designed to keep your personal information secure and to ensure that information about you is only used consistent with this Privacy Policy. We apply principles of Privacy-by-Design and have privacy and security teams that are committed to ensuring that your personal information is safe and handled properly.
The Personal Information We Collect
In this section of the Privacy Policy, we explain the types of personal information we may collect. The specific information that we may collect about you depends on the type of interaction and the types of products considered or purchased.
ZapDebt potentially collects the following categories of personal information:
- Identifiers: Examples include real names, nicknames, postal addresses, online identifiers, Internet Protocol addresses, email addresses, and account numbers.
- Sensitive Information: Examples include identity number, driver’s license, passport numbers, and usernames and passwords for accounts connected to ZapDebt.co.za.
- Biometric information: With your consent, ZapDebt may work with payment processing partners to use technology to verify your identity by comparing a digital image of your face to the picture on the government identification you provide.
- Characteristics protected under some laws: Examples include age, national origin, citizenship, marital status, medical information, sex, and veteran or military status. ZapDebt does not use this type of information to analyze your health, sex, gender identity, or sexual orientation.
- Commercial information: Examples include records of business and other property owned, products or services purchased, obtained, or considered from ZapDebt or our partners, and other purchasing or consuming histories or tendencies.
- Internet information: Examples include browsing history, search history, information about the device used to access our website or applications, and information regarding your interaction with websites, applications, or advertisements. We may also collect information from visitors to our website, such as browser settings, operating systems, referring/exit pages, and clickstream data. When we send you an email, ZapDebt may also collect information, including about how you interact with that email.
- Geolocation information: ZapDebt may collect information about where a consumer resides or is otherwise located.
- Audio and visual information: ZapDebt may make audio recordings of telephone calls. We may make visual recordings if you agree that we may videotape or photograph you. We may also collect visual images of you in connection with legal requirements, security purposes, or when required for providing certain products.
- Professional and employment-related information: Examples include information about professional status and affiliations, employment history, salary, and employment status.
- Other types of information: Examples include physical characteristics or descriptions of you, telephone number, insurance policy number, financial information including bank account, credit card, and debit card numbers, and health insurance information. It also includes additional information provided to ZapDebt directly by you, such as when you complete a questionnaire, answer a survey, or receive a financial consultation. This category includes information identified as personal information in the Protection of Personal Information Act (POPIA) that is not otherwise categorized above.
Where We Collect Personal Information
In this section of the Privacy Policy, we explain where and how we collect personal information.
- Customers: Much of the personal information that ZapDebt collects comes directly or indirectly from our customers and prospective customers. Information that is collected directly from you is information that you provide when you complete a form online, use a chat feature, or speak to us on the phone. We may also collect information indirectly about you when you interact with our website, using cookies and other tracking technologies.
- Related Parties: We may collect information about you from someone you know. For instance, if you are a shareholder in a business that is formed through ZapDebt, we may be given information about you by that business to complete the formation.
- Service Providers: We may collect information about you from our Service Providers or other companies that we work with to deliver products to you. As used in this Privacy Policy, Service Providers means entities that ZapDebt has contracted with to provide us with services to help fulfill our business needs. An example of the type of information that we may receive from a Service Provider is information about any Legal Mail that has been received as part of our Registered Agent services. Service Providers may also assist us in collecting information both directly and indirectly from you.
- Professionals (including attorneys and Tax Experts): We may receive information about you from the attorneys you work with through our Legal Plan or other product offerings. ZapDebt does not intend to collect any information from attorneys where the collection would result in a waiver of the attorney-client privilege. With your consent, and as described in the ZapDebt Tax Privacy Policy, we may also receive information about you information that it has collected for the purposes listed below and may combine information that we have collected from multiple sources to fulfill these purposes.
If we decide to use the personal information we have collected for additional purposes that are inconsistent with what is described below, we will let you know of our plans and give you information about your legal rights regarding your personal information.
- Providing Products and Services: We use personal information to provide and support our products and services. Examples of these uses include producing and delivering documents purchased by customers, administering the ZapDebt website, and displaying content based on customer preferences.
- Security: We use personal information to ensure we maintain appropriate security over computer networks and our physical facilities, as well as detecting fraud or other suspicious activities.
- Marketing and Advertising: We use personal information for marketing to current and prospective customers. More information about how you can control the use of your personal information for marketing purposes can be found in the sections “ZapDebt’s Use of Cookies and Similar Technology, and Your Choices” and “Your Options Regarding Personal Information Collected by ZapDebt.”
- Product Development: We use personal information for product development, including improving our existing products and developing new ones.
- Analytics: We use personal information for various types of analytics. For example, ZapDebt uses personal information to analyze how visitors arrive at and interact with our website, and to gain insight into the types of customers that may be interested in our products and services. We may also use the information to develop inferences from the information we collect regarding customer preferences, characteristics, predispositions, behaviors, and attitudes.
- Operational Purposes: We use personal information for operational purposes, and the operational purposes of our service providers, business partners, affiliates, and subsidiaries. For instance, ZapDebt may use the information to maintain our website and other infrastructure, training, quality assurance, for conducting surveys or sweepstakes, to promote our brand, and to use in connection with our relationships with service providers and business partners.
- Financial Reporting: We use personal information in connection with various types of financial reporting and other similar internal uses. Examples of the types of financial reporting that ZapDebt may use personal information include internal budgets and projections, compensation calculations, and public reporting.
- Meeting Legal Requirements: We use personal information to meet our legal obligations, such as performing customer due diligence, maintaining records as required in our role as a Registered Agent, or responding to subpoenas for information.
- Business Transfers: If ZapDebt undertakes or is involved in any merger, acquisition, reorganization, sale of assets, bankruptcy, or insolvency event, then we may sell, transfer, or share some or all of our assets, including information related to customers in connection with the transaction or in contemplation of the transaction (such as conducting due diligence). If such an event occurs, your information may be treated like any other ZapDebt asset and sold, transferred, or shared with third parties, or used in ways not contemplated or permitted under this Privacy Policy. In this case, you will be notified via email and/or a prominent notice on our site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
Disclosure of Personal Information
In this section of the Privacy Policy, we explain how we share your personal information with third parties. ZapDebt shares your personal information for the purposes listed below and may share information that we have combined from multiple sources to fulfill these purposes.
- Service Providers: We may share your personal information with Service Providers. Examples of the types of Service Providers with whom we share personal information include marketing, accounting, legal, financial, and other services.
- Professionals (including attorneys and tax experts): With your consent, we may share your personal information with professionals, such as attorneys or tax experts, to facilitate the provision of legal or tax services.
- Business Partners: We may share your personal information with Business Partners, such as companies with whom we engage in cross-promotional activities or product integration.
- Affiliates and Subsidiaries: We may share your personal information with our affiliates and subsidiaries. This may include sharing information in connection with business activities and operations or providing products and services to customers.
- Publicly/Commercially Available Information: We may share your personal information in connection with publicly available information or commercially available sources. Examples include sharing information to validate your identity, comply with legal requirements, or assess risk.
- As Required by Law or to Protect Our Rights: We may share your personal information when required by law, regulation, or court order, or to protect our rights, property, or safety.
- Business Transfers: We may share your personal information as part of a business transaction, such as a merger, acquisition, reorganization, sale of assets, bankruptcy, or insolvency event.
ZapDebt’s Use of Cookies and Similar Technology, and Your Choices
In this section of the Privacy Policy, we explain how we use cookies and similar technology to collect information, and your choices related to this activity.
Cookies and other tracking technologies are used to enhance your experience on our website and to improve our services. For example, we use cookies to store your language preferences or other settings to simplify your future interactions with our website. We also use cookies to collect information about your activities on our website, such as the pages you visit and the links you click, in order to understand your interests and deliver content tailored to your preferences.
You have the ability to control the use of cookies through your browser settings. You can delete or block cookies, but be aware that doing so may affect the functionality of our website or limit your ability to access certain features.
In addition to cookies, we may use web beacons, pixel tags, or other tracking technologies to collect information about your interaction with our website and our services. This information helps us understand how our website is being used, measure the effectiveness of our marketing efforts, and deliver targeted advertisements.
Some web browsers may offer a “Do Not Track” feature, which sends a signal to websites and online services about your tracking preferences. However, there is currently no industry standard for recognizing or responding to these signals, and we do not respond to “Do Not Track” signals at this time.
Your Options Regarding Personal Information Collected by ZapDebt
In this section of the Privacy Policy, we explain your choices regarding the personal information we collect and use.
- Access and Update: You have the right to access and update your personal information held by ZapDebt. To do so, please log in to your ZapDebt account or contact us using the contact information provided at the end of this Privacy Policy.
- Marketing Communications: If you would like to opt-out of receiving marketing communications from ZapDebt, you can follow the “unsubscribe” link in the communication or contact us using the information provided at the end of this Privacy Policy.
- Cookies and Tracking Technologies: You can manage your preferences regarding cookies and other tracking technologies through your browser settings. You may delete or block cookies, but be aware that doing so may affect the functionality of our website or limit your ability to access certain features.
- Data Portability: You have the right to request a copy of your personal information held by ZapDebt in a structured, commonly used, and machine-readable format, and to transmit that information to another data controller, where technically feasible.
- Deletion: You have the right to request that ZapDebt deletes your personal information, subject to certain legal exceptions. To request deletion, please contact us using the information provided at the end of this Privacy Policy.
- Withdraw Consent: If we rely on your consent to process your personal information, you have the right to withdraw that consent at any time. Please note that withdrawing consent will not affect the lawfulness of any processing based on your consent before its withdrawal.
Please note that exercising your rights may be subject to certain legal exceptions and limitations. To protect the privacy of your personal information, we may need to verify your identity before processing your request.
Changes to This Privacy Policy
ZapDebt reserves the right to update or modify this Privacy Policy at any time. If we make significant changes to our Privacy Policy, we will notify you by email or by posting a notice on our website. Your continued use of our services after any changes to this Privacy Policy will constitute your acceptance of such changes.
How to Contact ZapDebt
If you have any questions or concerns about this Privacy Policy, or if you would like to exercise your privacy rights, you can contact us using the information below:
Address:
52 Corlett Drive
Illovo
Sandton Johannesburg
2196
Phone:
Email:
For general inquiries: [email protected]
For customer support: [email protected]