At Credit Guarantee Insurance Corporation of Africa Ltd we are committed to protecting your privacy and to ensure that your personal information or personal information in respect of your Buyers is collected and used properly, lawfully and transparently.

This Notice sets out:
• Who we are
• What counts as ‘personal information’
• What information we collect
• Our aim to provide ongoing financial services
• To whom we disclose your information
• How we safeguard your information
• Your rights to access and correction of information
• Changes to this Notice
• How to contact us
• The Information Regulator’s contact details

Who We Are

In this Notice, “CGIC” or “we” refers to Credit Guarantee Insurance Corporation of Africa Ltd.

What Counts as ‘personal Information’?

In terms of the Act, personal information is data that can be used to identify a person. It is defined as “information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person.”

This information about a person includes, but is not limited to:
• Race
• Gender
• Sex
• Pregnancy
• Marital status
• National / ethnic / social origin
• Colour
• Sexual orientation
• Age
• Physical or mental health
• Disability
• Religion / beliefs / culture
• Language
• Educational / medical / financial / criminal or employment history
• ID number
• Email address
• Physical address
• Telephone number
• Location
• Biometric information
• Personal opinions, views or preferences

The Information We Collect

We collect and process your personal information or personal information in respect of your Buyers mainly to provide you with access to our services and products, to help us improve our offerings to you and for certain other purposes explained below. The type of information we collect will depend on the purpose for which it is collected and used. We will only collect information that we need for that purpose. Where possible, we will inform you what information you are required to provide to us and what information is optional. We also collect information about you from other sources as explained below. With your consent, we may also supplement the information that you provide to us with information we receive from other companies in the Old Mutual Group in order to offer you a more consistent and personalized experience in your interactions with Credit Guarantee Insurance Corporation of Africa Ltd. Website usage information is collected using “cookies” which allows us to collect standard internet visitor usage information.

How We Use Your Information

We will use your personal information or personal information in respect of your Buyers only for the purposes for which it was collected or agreed with you, for example:

• To provide our products or services to you, to carry out the transaction you requested and to maintain our relationship;
• For underwriting purposes;
• To assess and process claims;
• To conduct credit reference searches or verification;
• To confirm and verify your identity or to verify that you are an authorised user for security purposes;
• For operational purposes, and where applicable, credit scoring and assessment and credit management;
• For purposes of claim checks;
• For the detection and prevention of fraud, crime, money laundering or other malpractice;
• For debt tracing or debt recovery;
• To conduct market or customer satisfaction research or for statistical analysis;
• For audit and record keeping purposes;
• In connection with legal proceedings.

We will also use your personal information or personal information in respect of your Buyers to comply with legal and regulatory requirements or industry codes to which we subscribe or which apply to us, or when it is otherwise allowed by law (for example to protect Credit Guarantee Insurance Corporation of Africa Ltd interests).

Disclosure of Information

We may disclose your personal information or personal information in respect of your Buyers to our service providers who are involved in the delivery of products or services to you. We have agreements in place to ensure that they comply with these privacy terms.

We may share your personal information or personal information in respect of your Buyers with, and obtain information about you from:

• Third parties for the purposes listed above, for example credit reference and fraud prevention agencies, law enforcement agencies;
• Other insurers to prevent fraudulent claims;
• Other third parties from whom you have chosen to receive marketing information.
• We may also disclose your information:
• Where we have a duty or a right to disclose in terms of law or industry codes;
• Where we believe it is necessary to protect our rights.

Information Security

We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorised access and use of personal information. We will, on an ongoing basis, continue to review our security controls and related processes to ensure that your personal information or personal information in respect of your Buyers is secure.

Our security policies and procedures cover:
• Physical security;
• Computer and network security;
• Access to personal information;
• Secure communications;
• Security in contracting out activities or functions;
• Retention and disposal of information;
• Acceptable usage of personal information;
• Governance and regulatory issues;
• Monitoring access and usage of private information;
• Investigating and reacting to security incidents.

When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information that we remain responsible for, is kept secure.

We may need to transfer your personal information or personal information in respect of your Buyers to another country for processing or storage. We will ensure that anyone to whom we pass your personal information or personal information in respect of your Buyers agrees to treat your information with the same level of protection as we are obliged to.

Your Rights: Access To Information

You have the right to request a copy of the personal information we hold about you. To do this, contact us at the numbers/addresses listed below and specify what information you would like. We will take all reasonable steps to confirm your identity before providing details of your personal information.

Please note that any such access request may be subject to a payment of a legally allowable fee.

Correction of Your Information

In certain cases you have the right to object to the processing of your personal information. You have the right to ask us to update, correct or delete your personal information. You may do this by contacting us at the numbers/addresses provided below. We will take all reasonable steps to confirm your identity before making changes to personal information we may hold about you. We would appreciate it if you would keep your personal information accurate.

Changes To This Notice

Please note that we may amend this Notice from time to time. Please check this website periodically to inform yourself of any changes.

How To Contact Us

If you have questions about this Notice or believe we have not adhered to it, or need further information about our privacy practices or wish to give or withdraw consent, exercise preferences or access or correct your personal information, please contact us at compliance@cgic.co.za or CregaLink Helpdesk: (011) 889 7080