Privacy Policy

This notice was last updated in April 2026.

This notice explains how we collect, use, store, and share your information. We may update this notice from time to time, and when we do, we’ll let you know by [mention how you will notify users, e.g., posting the updated notice on our website, sending an email to our active users].

If you have any questions about this notice or our privacy practices, please don’t hesitate to contact us at info@clearmenow.co.za. 

1. The Information We Collect About You

We collect various types of information, depending on how you interact with us.

When you use any CearMeNow Debt solutions:

When you complete the contact form on our site, or when you email, phone, or chat with us, we collect personal information directly from you, including:

• Your name
• Contact details (such as email address and cell phone number)
• ID number

We also collect and store the content of your messages and conversations when you communicate with us via email, phone, or chat.

Information we receive from marketing partners:
We may receive your information from service providers who conduct marketing on our behalf. They will only share your information with us if you have explicitly agreed for us to contact you.

When you apply for debt counselling:
When you apply for our debt counselling services, we collect additional personal information directly from you, as required by the National Credit Act (35 of 2005), including:

• ID number
• Marital status
• Number and age of dependents
• Your address
• Your employment details
• Financial information (e.g., income, expenses, debt obligations)

We also collect your credit score and credit report from registered credit bureaus. We may also obtain information about your financial position from your credit providers, their attorneys, and legal representatives to assist with your debt review process.

Information collected automatically when you visit our website (Cookies & Analytics):
When you visit our website, we automatically collect certain information using cookies and similar tracking technologies. This includes:

• Your device’s operating system and type
• Your IP address
• Access times and dates
• Browser type and settings
• Other device data (e.g., screen resolution, language settings)
• Pages viewed and advertisements or other areas of our website you clicked on
• Your approximate geographic location (derived from your IP address)

We use this information to understand how our website is used, to improve its functionality, and to enhance your experience with our services.

You can manage your cookie preferences through your web browser settings. Most browsers allow you to control whether to accept new cookies, be notified when you receive a new cookie, or disable existing cookies entirely. You can usually find instructions by clicking ‘help’ in your browser’s menu or by visiting www.allaboutcookies.org. Please note that disabling cookies may affect the way you experience our website and some features may not function correctly.

2. How We Use Your Information

We use your personal information for the following purposes:

• To provide and improve our services: This is our primary use, including assessing your eligibility for debt solutions, providing debt counselling, communicating with credit providers on your behalf, and managing your client relationship.
• For communication and support: To respond to your inquiries, provide customer support, and communicate with you about your account or our services.
• For marketing and promotional purposes: We use your information to send you marketing communications by email, SMS, or phone calls about our products and services. We may also inform you of credit products from other companies that we believe may be suitable for your credit profile. If you explicitly ask us to, we may send you marketing communications about products or services offered by other companies.
• To comply with legal obligations: To meet requirements under the National Credit Act (35 of 2005) and other applicable laws and regulations.
• For internal operations: To improve our website, services, and internal processes, perform data analysis, identify usage trends, and determine the effectiveness of our promotional campaigns.
• For security and fraud prevention: To maintain the security and integrity of our services, protect against fraudulent activities, and enforce our terms and policies.

Your Marketing Choices: You have the right to stop receiving marketing information from us about our and other companies’ products or services at any time. You can do this by calling or sending an email to info@clearmenow.co.za.

3. How We Share Your Information

We understand the importance of your privacy and only share your personal information in specific circumstances:

• With ClearMeNow (PTY) LTD: Your information is shared internally within ClearMeNow (PTY) LTD for operational purposes related to providing our services.
• With credit providers and legal representatives: As part of our debt counselling services, we share your financial information and other relevant details with your credit providers and their legal representatives.
• With trusted 3^rd party service providers: We share your information with third-party service providers who help us deliver our services. This includes, but is not limited to, companies that provide support services, Marketing, SMS gateways, and AI-powered service providers. These service providers are contractually obligated to protect your information and only use it for the purposes for which we disclose it to them.
• International Data Transfers: Some of our service providers may be located outside of South Africa. When we transfer your personal information to these overseas providers, we take steps to ensure that your information receives an adequate level of protection, consistent with South African data protection laws.
• With advertising partners (if requested): If you specifically ask us to, we may share your information with other companies who advertise on our website.
• For legal and safety reasons: We may disclose your information to a third party if we believe that disclosure is reasonably necessary to:
  • Comply with the law, legal process, or a government request (for instance, to comply with the National Credit Act (35 of 2005)).
  • Enforce our contracts, terms, and policies.
  • Protect the security and integrity of our service.
  • Protect ourselves, our clients, and the public from illegal activity or harm.
  • Respond to an emergency which we believe in good faith requires that we disclose information.
• Business transfers: In the event of a change in our company structure, ownership, merger, acquisition, or sale of assets, we may share your information as part of the transferred business assets or during the due diligence process for such transactions.

4. How Long We Keep Your Information

We do not keep your information longer than necessary.

We retain your personal information for as long as you are our client or subscribed to our notifications, and for a period thereafter as required for legitimate business purposes or by law. This includes, but is not limited to, compliance with the National Credit Act, tax, accounting, and legal reporting obligations. Once your information is no longer required, we will securely dispose of it.

5. Your Rights and Preferences

You have important rights regarding your personal information. These include the right to:

• Access: Ask what personal information we hold about you.
• Disclosure: Ask what personal information we have shared with our suppliers, service providers, or any other third parties.
• Correction/Deletion: Ask us to update, correct, or delete any outdated or inaccurate personal information we hold about you.
• Object to Processing: Object to the processing of your personal information in certain circumstances.
• Marketing Opt-Out: Unsubscribe from any direct marketing communications we may send you.
• Complaint: Lodge a complaint about our practices with the Information Regulator in South Africa.

Exercising Your Rights: To exercise any of these rights, please contact us at info@clearmenow.co.za.

Please note that it can take us up to 21 days to respond to your request, as we need to follow specific procedures to verify your identity and process your request securely. In some instances, we may require proof of your identity (e.g., a copy of your ID document) or additional information before we can update or disclose your information.

6. Data Security and Breach Notification

We take the security of your personal information seriously. We have implemented reasonable administrative, technical, and physical security measures designed to protect your information from disclosure, loss, misuse, and unauthorised access, alteration, or destruction. The level of security measures is proportionate to the sensitivity of the information we hold.

Suspecting a Security Breach: If you suspect that we (or you) have experienced a security breach involving your personal information, please notify us immediately by sending an email to info@clearmenow.co.za. Please include as much detail as possible to help us investigate the incident promptly.

7. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children without appropriate parental consent. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information promptly. If you believe we might have any information from or about a child, please contact us at info@clearmenow.co.za.

8. Changes to This Privacy Notice
   We may update this Privacy Notice periodically to reflect changes in our practices, technologies, legal requirements, and other factors. When we make changes, we will revise the “Last Updated” date at the top of this notice. If the changes are significant, we will provide more prominent notice, such as by posting a notice on our website or sending you an email notification. We encourage you to review this Privacy Notice regularly to stay informed about how we are protecting your information.