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Privacy Policy

This Privacy Policy governs the manner in which Recoveri (Pty) Ltd ("we",
"our") treats your personal information collected electronically when you use our
website (which can be found at www.recoveri.net), apply online for certain
products and services, contact us electronically or register for one of the services
offered on the website.

We respect your privacy and your personal information and for this reason, we
take all reasonable measures, in accordance with this Policy, to protect your
personal information and to keep it confidential, even when you are no longer our
customer.

We also voluntarily subscribe to the principles, outlined in Section 51 of the
Electronic Communications and Transactions Act 2002 ("ECT Act"), which
govern your right to having your personal information kept private. We briefly
outline these principles below:

We will only disclose, collate and process ("use") your personal information with your express written permission unless legally required to do so, and will only electronically use such information for the lawful purpose for which it is required.
We will disclose in writing, the specific purpose for which we use, request and store your personal information. We will also keep a record of that personal information and the specific purpose for which we collect it.
We will not use your personal information for any other purpose, other than that which we disclosed to you, unless you give us your express written permission to do so, or unless we are permitted to do so by law.

By using our website, applying online for certain products and services or
registering for one of the services offered on the website you hereby provide us
with your express written permission to share certain of your personal information
with an affiliate party (which includes companies within the Recoveri Group, our
subsidiaries, our shareholders and other business partners) in the ordinary
course of our business of providing you with the services.

What is Personal Information?

Personal information refers to information that identifies or relates specifically to
you, for example, your name, age and identity number, your assets and liabilities,
your income and your payment records. Any information about what you buy,
where you shop, where you bank, how you invest and all related information will
also be regarded as personal information. In short, any information that we know
about you will be regarded as your personal information. Personal information is
further defined in the Electronic Communications and Transactions Act 25 of
2002.

How we collect your Personal Information

Whenever you use this website, complete an application form, contact us
electronically, or use one of the services or facilities offered by us or any affiliate
party, we will collect your personal information.

Why and How we collect and use Personal Information

In order to make your use of this website and all products and services offered
on this website as successful and pleasurable as possible, it is necessary for us
to find out exactly what you need and want from us. The following are reasons
(i.e. disclosed reasons) why we would collect your personal information:

in order for us to process your instructions or requests;
in order for us to ensure that we meet your needs, we may collect and analyse your personal information and, with your express consent, combine all the information that we have about you to compile a profile of you in order for us to personalise and tailor our services to meet your specific needs;
Once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. We will however, only send you this promotional information with your express consent. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform affiliate parties to contact you directly if you have indicated that this is agreeable to you.

Your privacy is important to us. We will therefore not sell, rent or provide your
personal information to unauthorised entities or other third parties, for their
independent use, without your consent.

If at any stage, after you have given us your consent, you no longer wish us to
use or share your personal information with an affiliate party; you may at any
stage withdraw your consent.

Protection of your Personal Information

We value the information that you choose to provide us with and will therefore
take reasonable steps to protect your personal information from loss, misuse or
unauthorised alteration. The information we maintain concerning our customers
is stored in databases that have built-in safeguards to ensure the privacy and
confidentiality of that information.

When you use the services or facilities provided by us, you may be given an
access number, user name, password and/or personal identification number
(PIN). You must always keep your user name, access card, password and/or PIN
a secret and ensure that you do not disclose it to anyone.

Correction of Personal Information

If you ever want to update or correct any of your personal information held by us,
kindly contact us at 0861 RECOVERI . Alternatively, you can update and correct
your information yourself by logging onto the website.

Personal Information held by or disclosed by you to a third party

Because we are not responsible for any representations or information or
warranties or content on any website of an affiliate party (including websites
linked to this website or websites facilitated by us), we do not exercise control
over affiliate parties' privacy policies and you should refer to the privacy policy of
any such affiliate party to see how such party protects your privacy.

Cookies

We use cookies. In case you were wondering, we use the word "cookie" to refer
to information that is sent from this website to your hard drive, where it is saved.
In this way, the next time you use this website we will know who you are and that
you have visited this website before.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time and you agree to view the
current version of this Privacy Policy whenever you visit this website. The current
version of this Privacy Policy will become binding on you whenever you visit this
website.

Which laws apply

This Privacy Policy will be governed by the laws of South Africa. You consent to
the jurisdiction of the South African courts for any dispute which may arise out of
this privacy policy.