Last updated: January 2023
At Debt Guidance, we value your privacy. This policy explains how we collect, use, and protect your personal information. We may update this notice from time to time, and we will notify you when we do. If you have any questions, please contact us at
When You Use Our Debt Solutions.
When you complete a contact form on our site, we collect personal information directly from you, including:
Your name
Contact details (email address and cell phone number)
ID number
If you email, call, or chat with us, we collect and store those communications.
We may also receive your details from marketing service providers who have your consent to share your information with us.
If you apply for our debt counselling services, we collect additional personal information as required by the National Credit Act (35 of 2005), including:
ID number
Marital status
Number and age of dependents
Residential address
Employment details
Financial information
We also retrieve your credit score and credit report from credit bureaus and may obtain financial information from credit providers and legal representatives.
How We Use Your Information
We use your information to:
Provide our debt counselling services
Send you marketing materials via email, SMS, or phone about our services and credit-related products
Inform you about products or services from other companies that may be relevant to your credit profile (only if you opt-in)
You may unsubscribe from marketing communications at any time by emailing
We use cookies to collect information automatically when you visit our website, including:
Your device operating system
Access time
Clicked advertisements or areas of the website
Your location
We use this information to improve website functionality and our services. You can manage cookies through your web browser settings. For more details, visit www.allaboutcookies.org Disabling cookies may affect your website experience.
You are sharing your information with Debt Guidance (Pty) Ltd We may share your details with:
Third-party companies that advertise on our website (if you request it)Service providers who assist in delivering our services (e.g., SMS providers), under strict confidentiality agreements
We may also disclose your information:
If required by law or legal processes:
To enforce our contracts and policies
To protect our services, clients, and the public from illegal activities
In response to an emergency situation
If our company undergoes a structural or ownership change, your information may be shared as part of that transition.
We retain your personal information:
For as long as you are our client or subscribed to our notifications
Only as long as necessary for operational or legal purposes
You have the right to:
Request access to the personal information we have about you
Ask us to update, correct, or delete outdated or incorrect data
Unsubscribe from direct marketing communications
Object to the processing of your information
Lodge a complaint with the Information Regulator
Requests may take up to 21 days to process, and we may require proof of identity.
We implement security measures to protect your information from unauthorized access, loss, or misuse. If you suspect a security breach, please notify us immediately at [email protected], providing as much detail as possible.
Thank you for trusting Debt Guidance with your personal information. Your privacy is important to us!