Last updated: 15 September 2026
SA Debt Help (“SA Debt Help”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, disclose and protect personal information when you visit sadebthelp.co.za, contact us, submit an enquiry, request a consultation, or make use of our debt assistance services.
We process personal information in accordance with applicable South African law, including the Protection of Personal Information Act 4 of 2013 (“POPIA”).
1. Who We Are
SA Debt Help provides debt assistance and related services to consumers in South Africa, including assistance relating to debt review, debt counselling and debt restructuring.
Contact details:
SA Debt Help
Level 2, The Zone @ Rosebank
177 Oxford Road
Rosebank, Johannesburg, 2196
South Africa
Telephone: 010 593 0919
Email: info@sadebthelp.co.za
Website: sadebthelp.co.za
2. Personal Information We Collect
Depending on how you interact with us, we may collect personal information including:
- Your full name;
- Email address;
- Telephone or mobile number;
- Employment and income information;
- Information about whether you are currently under debt review;
- Information regarding your debts, credit agreements and creditors;
- Income and expenditure information;
- Financial information required to assess your financial circumstances;
- Identification and supporting documentation where required;
- Communications between you and SA Debt Help;
- Information submitted through our website forms;
- IP address, browser, device and website usage information; and
- Any other information you voluntarily provide to us while requesting or receiving our services.
We will endeavour to collect only information that is reasonably necessary for the purpose for which it is being processed.
3. How We Collect Your Information
We may collect personal information when you:
- Complete a form on our website;
- Request a callback or consultation;
- Contact us by telephone, email, WhatsApp or another communication channel;
- Apply for or participate in a debt assessment, debt review or related service;
- Submit documents or financial information to us;
- Communicate with one of our consultants or representatives; or
- Browse or interact with our website.
Certain technical information may also be collected automatically through cookies and similar technologies.
4. How We Use Your Personal Information
We may use your personal information to:
- Respond to enquiries and callback requests;
- Determine whether you may qualify for debt assistance or debt review;
- Assess your financial circumstances;
- Provide debt counselling, debt review, debt restructuring or related services;
- Prepare or administer an appropriate debt repayment solution;
- Communicate with you regarding your enquiry, application or service;
- Communicate with credit providers and other relevant parties where necessary and legally permitted;
- Verify information and documentation provided to us;
- Maintain records relating to our services;
- Improve our website, services and customer experience;
- Detect or prevent fraud, abuse or unlawful activity;
- Comply with applicable laws, regulations and lawful requests;
- Send service-related communications; and
- Send marketing communications where permitted by law or where you have provided the necessary consent.
We will not process your personal information in a manner that is incompatible with the purpose for which it was originally collected unless permitted by law.
5. Legal Basis for Processing
Where applicable, SA Debt Help processes personal information on one or more of the following grounds:
- You have provided consent;
- Processing is necessary to provide a service you have requested;
- Processing is necessary for the conclusion or performance of an agreement;
- Processing is required to comply with a legal obligation;
- Processing protects a legitimate interest of you or another person; or
- Processing is necessary to pursue our legitimate business interests, provided that those interests do not unjustifiably infringe your privacy rights.
You may withdraw consent where processing is based on consent. Withdrawal does not affect processing that lawfully occurred before consent was withdrawn.
6. Financial and Credit Information
Because of the nature of debt assistance and debt review services, we may need to process information relating to your financial circumstances.
This may include information concerning your income, expenditure, outstanding debts, credit agreements, creditors, repayment obligations and other information necessary to assess your financial position.
Such information will only be processed where reasonably necessary to provide our services, comply with applicable legal requirements, or perform functions connected with your debt assistance or debt review process.
7. Sharing Your Personal Information
We do not sell your personal information.
Where necessary and legally permitted, personal information may be disclosed to appropriate third parties involved in providing or supporting our services, which may include:
- Credit providers;
- Credit bureaus;
- Payment distribution agents;
- Attorneys or other professional advisers;
- Regulatory or governmental authorities;
- Technology, hosting and communications service providers;
- Website and IT service providers;
- Service providers processing information on our behalf; and
- Other parties where disclosure is required or authorised by law.
Where third-party service providers process personal information on our behalf, we take reasonable steps to ensure that appropriate confidentiality and security obligations are in place.
8. Marketing Communications
Where permitted by applicable law, we may contact you regarding our services.
Where consent is required for direct marketing, we will obtain the necessary consent before sending such communications.
You may opt out of marketing communications at any time by using an unsubscribe facility provided in the communication or by contacting us at info@sadebthelp.co.za.
Opting out of marketing does not prevent us from sending communications that are necessary for an existing enquiry, application or service.
9. Cookies and Website Tracking
Our website uses cookies and similar technologies to operate correctly, remember preferences, understand how visitors interact with the website, improve functionality and, where applicable and consented to, support marketing activities.
Cookies may include:
- Strictly necessary or functional cookies;
- Preference cookies;
- Analytics or statistics cookies; and
- Marketing or tracking cookies.
Some cookies may be provided by third-party services used by the website.
Where required, non-essential cookies will only be activated after you have provided consent through our cookie consent mechanism.
You can manage or withdraw your cookie preferences using the cookie settings available on the website.
Please refer to our Cookie Policy for further information about the cookies and technologies used on our website.
10. Information Security
SA Debt Help takes reasonable technical and organisational measures to protect personal information against:
- Loss or damage;
- Unauthorised access;
- Unauthorised disclosure;
- Misuse;
- Alteration; and
- Destruction.
These measures may include access controls, secure systems, encryption where appropriate, security monitoring, authentication controls and restrictions on access to personal information.
Although we take reasonable precautions, no internet transmission or electronic storage system can be guaranteed to be completely secure.
11. Retention of Personal Information
We retain personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected, provide our services, resolve disputes, maintain appropriate business records and comply with legal or regulatory requirements.
When personal information is no longer required and there is no lawful reason to retain it, we will take reasonable steps to delete, destroy or de-identify it.
12. Your Rights Under POPIA
Subject to applicable law, you may have the right to:
- Ask whether we hold personal information about you;
- Request access to your personal information;
- Request correction or updating of inaccurate information;
- Request deletion or destruction of personal information where legally permissible;
- Object to certain processing of your personal information;
- Withdraw consent where processing is based on consent;
- Object to direct marketing communications; and
- Lodge a complaint regarding the processing of your personal information.
We may need to verify your identity before processing certain requests.
To exercise your rights, contact us at:
Email: info@sadebthelp.co.za
Telephone: 010 593 0919
13. Complaints to the Information Regulator
If you believe that your personal information has been processed in violation of POPIA, you may contact SA Debt Help so that we can attempt to resolve your concern.
You also have the right to lodge a complaint with the Information Regulator (South Africa).
Information about the Information Regulator and its complaint procedures is available through the Information Regulator’s official channels.
14. Third-Party Websites and Services
Our website may contain links to third-party websites, social media platforms or services.
Those third parties may have their own privacy policies and practices. SA Debt Help is not responsible for how an independent third party processes personal information after you leave our website or interact directly with that third party.
We encourage you to review the privacy policies of third-party services before providing personal information to them.
15. Cross-Border Processing
Some technology or service providers used by SA Debt Help may process or store information outside South Africa.
Where personal information is transferred outside South Africa, we will take reasonable steps to ensure that the transfer complies with applicable requirements under POPIA and that appropriate safeguards are in place.
16. Children’s Personal Information
Our services are intended primarily for adults who are legally capable of entering into credit agreements and participating in debt assistance processes.
We do not knowingly collect personal information from children through the website unless such processing is permitted by law and appropriate consent or authorisation has been obtained where required.
17. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes to our services, website, technology, business practices or legal obligations.
The latest version will be published on this website together with the date on which it was last updated.
We encourage you to review this Privacy Policy periodically.
18. Contact Us
For questions, requests or concerns regarding this Privacy Policy or the processing of your personal information, please contact:
SA Debt Help
Level 2, The Zone @ Rosebank
177 Oxford Road
Rosebank, Johannesburg, 2196
South Africa
Email: info@sadebthelp.co.za
Telephone: 010 593 0919
Website: sadebthelp.co.za