Our website address is: https://carhub-durban.co.za.
1. Introduction
Car Hub Durban (referred to as “we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy details how we collect, use, disclose, and protect the personal information of our clients, prospective clients, and website visitors, in compliance with South African data protection laws, including the Protection of Personal Information Act, 4 of 2013 (POPIA).
By engaging with our services—including Rent to Own agreements, Cash Sales, Auction deals, and using our website—you agree to the collection and use of your personal information as outlined in this policy.
2. Information We Collect
We collect information necessary to provide our services and manage our business operations. The personal information we collect depends on your interaction with us (e.g., whether you are applying for rent-to-own finance or purchasing a car for cash).
A. Information Collected from All Users:
- Contact Information: Name, surname, telephone number, email address, and physical address.
- Website Usage Data: Information about how you use our website (e.g., IP address, browser type, pages viewed, time spent on site, and cookies).
B. Information Specific to Rent to Own Applications:
This information is crucial for assessing financial viability and fulfilling our contractual obligations.
- Financial & Employment Information: Bank statements, payslips, employment history, income verification, and expense details.
- Identity Verification: South African ID number, driver’s license details, and proof of residence.
- Credit Information: Information obtained from credit bureaus and other public sources as permitted by law, to assess affordability and creditworthiness.
3. How We Use Your Information
We process your personal information for specific, explicitly defined, and legitimate reasons related to our business operations, including:
- Service Provision: To process your requests for Cash Sales, facilitate Rent to Own agreements, or manage Auction deals.
- Financial Assessment: To assess your eligibility, affordability, and creditworthiness for our Rent to Own vehicle financing options.
- Contractual Obligations: To execute and manage the Rent to Own contract, including vehicle tracking, insurance, maintenance, and eventual title transfer.
- Communication: To respond to your inquiries, provide customer support, and send essential service updates.
- Marketing (Opt-In): To inform you of new vehicle stock, promotions, and special deals, where you have given us explicit consent.
- Legal Compliance: To comply with South African laws, including FICA (Financial Intelligence Centre Act) requirements and POPIA regulations.
4. Disclosure and Sharing of Personal Information
We will not sell or rent your personal information to third parties. We will only disclose your information when necessary and with appropriate safeguards:
- Credit Bureaus: For Rent to Own applications, we share your details with registered South African credit bureaus for credit assessment and reporting purposes.
- Regulatory & Legal Bodies: To comply with any legal process, governmental requests, or as required by law (e.g., SARS, SAPS, or the National Credit Regulator).
- Service Providers: We may share information with trusted third-party service providers who assist us in operating our business, such as:
- Vehicle tracking and recovery companies.
- Insurance providers for coverage on the Rent to Own vehicle.
- IT and administrative support service providers.
- Affiliates: With entities within the Car Hub group, subject to this policy.
5. Security and Storage
- Security Measures: We implement appropriate technical and organisational measures to protect your personal information against accidental loss, unauthorised access, disclosure, or destruction, in line with POPIA requirements.
- Storage Location: Your personal information is stored on secure servers located within South Africa.
- Retention: We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, satisfy any legal, accounting, or reporting requirements, or as required by POPIA and the National Credit Act.
6. Your POPIA Rights
As a data subject under POPIA, you have the right to:
- Access: Request access to the personal information we hold about you.
- Correction/Deletion: Request the correction or deletion of your personal information if it is inaccurate, irrelevant, excessive, or has been unlawfully obtained.
- Objection: Object to the processing of your personal information for direct marketing purposes.
- Consent Withdrawal: Withdraw your consent to the processing of your personal information at any time, subject to legal or contractual restrictions.
To exercise any of these rights, please contact our Information Officer (details below).
7. Use of Cookies
Our website uses “cookies” to improve your user experience and collect website usage data. Cookies are small files placed on your device. You can manage your cookie preferences through your browser settings. Blocking cookies may affect the functionality of our website.
8. Changes to this Policy
Car Hub Durban reserves the right to update this Privacy Policy at any time. We will post the revised policy on our website with a new effective date. We encourage you to review this policy periodically.
9. Contact Information
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:
Company: Car Hub Durban
Company: https://carhub-durban.co.za/
Phone or Whatsapp: +27 67 781 4335
Email: info@carhubdurban.co.za
Address: 311 Solomon Mahlangu Dr, Bayhead, Durban, 4072 Durban, South Africa
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