Privacy Policy

Last updated: 09 October 2025

1. Who We Are

This Website is owned and operated by LIME HOLDINGS (Pty) Ltd, Atlantic Beach Golf Estate, Melkbosstrand, Western Cape, South Africa, 7441.

For all privacy-related queries, you can contact us at: info@creditreportsa.co.za

2. Nature of Our Business and Data Processing

We are not a credit bureau. We are a credit report aggregation service that works with trusted, NCR-registered partners in South Africa to help clients access their credit reports and review their profiles.

We do not directly issue credit reports. When a user submits a request, we match them with the appropriate credit provider or data partner, who then delivers the credit report directly.

All personal data collected through this Website is used solely for that purpose — to facilitate a connection between you (the user) and the relevant partner.

3. Information We Collect

We collect the following types of information:

• Personal information you provide including but not limited to name, ID number, email, phone number, and other details entered through forms.
• Automatically collected data — IP address, browser type, device type, referral pages, and session activity.
• Cookies and tracking data — to improve user experience, analytics, and ad relevance.

We also store a full digital record of each user submission, including browser type, device type, IP address, and all details voluntarily submitted. These records are securely kept for up to one (1) year for verification in the event of any complaints or compliance investigations.

4. How We Use Your Information

We use your information for:

• Providing and improving our services
• Connecting you to our NCR-registered and FSCA-licensed partners who can provide the requested credit report or related service
• Sending updates, educational material, and relevant financial offers
• Ensuring legal, regulatory, and advertising compliance
• Fraud prevention, identity verification, and complaint tracking

When you submit your contact information, you agree to receive related financial offers from our trusted partners, who are all FSB and FSCA registered. Your data is only shared with these companies to provide a quote or offer relevant to your profile. You may opt out at any time by clicking the unsubscribe link in the footer of every SMS or email message we send.

5. Disclosure of Information

We may disclose your data:

• To our verified NCR-registered credit bureau partners for the purpose of generating or sourcing your report
• To FSCA-licensed financial service providers who may offer relevant products
• To third-party processors assisting in website hosting, analytics, and communications (bound by confidentiality agreements)
• When required by law, subpoena, or court order
• In the event of a merger or sale, with notice provided beforehand

6. Security of Information

We use reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, or destruction.All digital compliance records (device, browser, and IP logs) are stored in encrypted environments and accessed only when required for verification, complaint resolution, or legal compliance.

While we take reasonable precautions, no transmission over the Internet can be guaranteed 100% secure. You use the Website at your own risk.

7. Retention of Information

We retain data for up to one (1) year for legal verification, advertising compliance, and dispute resolution. After that, records are securely deleted or anonymized, unless required by law to be retained longer.

8. Your Rights Under POPIA

Under the Protection of Personal Information Act, you have the right to:

• Request access to the personal data we hold about you
• Request corrections or deletions of incorrect or outdated data
• Object to processing for direct marketing purposes
• Withdraw consent at any time (without affecting prior lawful use)
• Lodge a complaint with the Information Regulator

To exercise any of these rights, email us at info@creditreportsa.co.za.

9. Cookies and Tracking

We use cookies and similar tools to enhance user experience and measure marketing performance.You can manage or disable cookies in your browser settings. However, doing so may affect site functionality.

10. Advertising and Transparency Compliance

We comply fully with Google Ads and Microsoft Advertising policies.

Our Privacy Policy clearly identifies LIME HOLDINGS (Pty) Ltd as the responsible legal entity for this Website. We disclose data collection, user consent, and opt-out options in accordance with their advertising guidelines and South African privacy legislation.

11. Children’s Privacy

Our Website and services are not intended for persons under 18 years of age. We do not knowingly collect or store data from minors.

12. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will appear on this page with a revised “Last updated” date.Continued use of the Website after such updates constitutes acceptance of the revised policy.

13. Contact Information

For any administrative queries or complaints, users may contact:

LIME HOLDINGS (Pty) Ltd
Atlantic Beach Golf Estate, Melkbosstrand, Western Cape, South Africa, 7441
Postal: Suite 354, Private Bag x1, Melkbostrand,7437
Email: info@creditreportsa.co.za