Splendi is a product of XPERT DECISION SYSTEMS (PTY) LTD (“XDS”). XDS is a registered credit bureau who values the protection of consumer privacy. Please read this Privacy and Cookie Policy carefully before using our website or registering to use our services in order to understand our views and practices regarding your personal data and how we will treat it. This Privacy Policy sets out the basis on which any personal data will be processed by us.
References in this Privacy Policy and on our website to “we”, “our” or “us” are references to Splendi and or XDS. References to “you” and “your” means each natural or legal person who uses our website or the associated services.
This Privacy Policy is incorporated into and is subject to Splendi’s Terms and Conditions as reflected on www.splendi.co.za.
By visiting our website, you are accepting and consenting to the practices described in this Privacy Policy. For the purpose of this Privacy Policy “applicable data protection law” means any laws in your jurisdiction in relation to data protection and privacy.
We specifically comply with the National Credit Act, 2005 (No.34 of 2005) (“NCA”) ,the Protection of Personal Information Act, 2013 (No. 4 of 2013) (“POPIA”) and the principles outlined in Sections 50 and 51 of the Electronic Communications and Transactions Act, 2002 (No.25 of 2002) which govern your right to having your personal information kept private.
For the purpose of this Privacy Policy, “Consumer Credit Information” means consumer credit information as defined in Section 70 of the NCA; and “Personal Information” means personal information as defined in Section 1 of the POPIA. You will be asked to provide your Personal Information when registering, accessing or using any Services (as defined under the Terms and Conditions). In this regard, we may collect a variety of information, including your:
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 may include information about you, such as demographics, life events, public records, or firmographics.
Splendi uses and discloses 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.
Confidentiality of your Personal Information is important to us. Unless we have your consent or permitted use under the national laws, we disclose your Personal Information to others. We will not use or share your Personal Information in ways unrelated to the circumstances described in this Privacy Policy.
Specifically, we use and disclose information in the following circumstances:
(a) Information you give to us (or we collect from credit bureaux) or other third parties on your behalf as part of our services which we will use to:
(b) Information we collect about you which we will use to:
(c) Information we receive from other sources that we may combine such information with information you give to us and which we may use for the purposes set out above.
(d) monitor or record telephone conversations or other communications between you and us which we will use to check your instructions to us, analyse, assess and improve our services to you, for training and quality purposes and for the purposes of investigating any complaint you may make, or as evidence in any dispute or anticipated disputes between you and us.
Our credit report may include the following information:
With your consent, we may use your Personal Information to promote and market additional products and services. If you provide your consent, we may share your Personal Information, e.g. name and email address, with one or more third parties in order to administer the programme and present such information to you. If you do not register your ID Number or Passport Number, we will not collect any Personal Information on you while you visit the Site. In connection with the email registration program, our third party email processor may use action tags (also known as single pixel gif or web beacons) to collect completely anonymous information concerning your use of the Site. Such a third party administrator is not authorized to use any such information for any other purpose. If you decide to register for emails, you may opt-out from receiving such communications, at any time as specified above.
In the majority of instances, Splendi is not capable of being provided with direct consent by consumers. Such consent is directly provided by consumers to Splendi’s data suppliers. Splendi 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.
Through Splendi’s digital marketing services, we enable our business partners to communicate with consumers in a digital environment. In an effort to provide relevant products and services to consumers, these businesses use our data and technology to create, deploy, and measure targeted advertising programs digitally. We collect information as outlined below and use it for permitted marketing uses. In addition, we may aggregate and depersonalize data for analytical purposes, to provide reporting to our business partners, and for measuring advertising performance. As a part of enabling digital marketing services, we may use service providers.
We may only access, use and/or disclose your Personal Information without your consent in exceptional circumstances. These include circumstances where we believe such action is necessary to:
Your participation in market research activities is optional. Should you choose to participate, we may use information you provide to improve your experience with our products and services. We may engage third parties to assist us with our market research efforts who may retain non-personal aggregated information. However, all Personal Information you provide will only be used for our research purposes.
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, Splendi will not transfer your Personal Information outside the Republic of South Africa.
Splendi 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 Site.
When gathering your Consumer Credit Information Splendi 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. Splendi 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 Splendi 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 do this by emailing informationofficer@xds.co.za
When you contact us please let us know your name, address, any email address you have provided on the 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.
Splendi 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 Splendi employees, agents or contractors for business purposes and on a strictly need to know basis. For security purposes all of the Personal Information that we collect or obtain about you, including your credit report, is housed in secure environments that have controls in place to limit access to and secure the data maintained therein.
The Site, takes precautions to secure your Personal Information. If and when we ask you to provide your Personal Information, we will do so through a site that uses relevant industry standard authentication and authorization protocols as well as TLS (Transport Layer Security). TLS provides security for your information by encrypting it as it travels from your computer to our environments.
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. The Site is not intended for the use of children and we do not intend to collect information about children through the Site. Splendi does not knowingly collect information from children under the age of 18 and our sites 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 the 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.
We define children as individuals under the age of 18. The Site is not intended for the use of children and we do not intend to collect information about children through the Site. Splendi does not knowingly collect information from children under the age of 18 and our sites 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 the 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.
The Site may offer links to third party web sites including payment gateways for credit card payment. You should be aware that operators of linked web sites may also collect your Personal Information (including information generated through the use of cookies) when you link to their web sites.
Splendi 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.
Our compliance with this Privacy Policy will be monitored on a regular basis. Splendi reserves the right to modify this Privacy Policy. The Privacy Policy posted at any time via the Site shall be deemed to be the Privacy Policy then in effect.
You have the right to access your personal information, dispute incorrect information, and request for your profile to be deleted. For more information please visit XDS website.
Splendi is a product of the Mettus Group and powered by XDS.