CreditYame Privacy Policy
Welcome to CreditYame’s privacy policy.
CreditYame respects your privacy and is committed to protecting your personal data. We ask that you read this website privacy policy carefully as it will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.
Vuyisa Holdings (Pty) Ltd (trading as CreditYame), ("us", "we", or "our") operates http://www.credityame.com(the "Site"). This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.
This privacy policy relates to your use of the Site only. Throughout our website we may link to other websites owned and operated by certain trusted third parties to make additional products and services available to you. These other third-party websites may also gather information about you in accordance with their own separate privacy policies. For privacy information relating to these other third-party websites, please consult their privacy policies as appropriate.
By using the Site, you agree to the collection and use of information in accordance with this policy.
Our collection and use of your personal information
We collect personal information about you when you access our website, register with us, contact us, send us feedback, purchase products or services via our website, post material to our website and complete customer surveys or participate in competitions via our website.
We collect this personal information from you either directly, such as when you register with us, contact us or purchase products or services via our website or indirectly, such as your browsing activity while on our website (see ‘Cookies’ below).
The personal information we collect about you depends on the particular activities carried out through our website. This information may include:
We use this personal information to:
improve our services
Information we collect from credit bureaux on your behalf: If you register to use our services, we will obtain your credit score and credit report from one or more credit bureaux on your behalf.
Information we collect about you: Each time you visit our website we may automatically collect the following information: (a) technical information, including the Internet protocol (IP) address used to connect your device to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; (b) information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Information we receive from other sources: We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties (including, for example, business partners, service providers, advertising networks, analytics providers, search information providers, credit bureaux) and may receive information about you from them, such as if you’ve taken out a credit product with one of our business partners.
This website is not intended for use by children, and we do not knowingly collect or use personal information relating to children.
Our legal basis for processing your personal information
When we use your personal information, we are required to have a legal basis for doing so. There are various different legal bases on which we may rely, depending on what personal information we process and why.
The legal bases we may rely on include:
Further information—the personal information we collect, when and how we use it
Information you give to us (or we collect from credit bureaux) or other third parties on your behalf as part of our services. We will use this information to:
(a) administer your account and relationship with us and to communicate with you by telephone, mail, email, text (SMS) message, instant messaging or other electronic means;
(b) verify your identity as part of our identity authentication process (we will use the credit card or bank account information only for the purposes of verifying your identity (and to prevent, detect and prosecute fraud and crime and comply with legal or regulatory requirements) and will not retain it);
(c) provide you with the information, products and services that you request from us;
(d) provide you with information about other products and services we offer that are similar to those that you have already purchased;
(e) provide you with information about products or services we feel may interest you or be best for you, where you have consented to receive such information; (f) your data may be shared with product providers to validate if you are an existing customer (which may affect whether you can be accepted for one of their products) or for fraud prevention purposes. The product provider does not have permission to use these data for any other purpose including marketing;
(g) notify you about changes to our services;
(h) ensure that content from our website is presented in the most effective manner for you and your device;
(i) aggregate it on an anonymous basis with other data for data analytical and reporting purposes; and
(j) undertake analysis and profiling of your credit information (and any other data provided by you or on your behalf or which we collect on your behalf) in order to identify and inform you of credit products (including personal loans and credit cards) that we consider are likely to interest you or be suited to your credit circumstances, where you have consented to receive such information.
Information we collect about you. We will use this information:
a) to administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
(b) to build up a picture of your interests so that you don’t miss information relevant to you when you visit our website;
(c) to improve the service we offer you and to try and ensure that you get the best from our website, ensuring that content is presented in the most effective manner for you and for the devices you use to access it;
(d) to allow you to participate in interactive features of our service, when you choose to do so;
(e) as part of our efforts to keep our website safe and secure;
(f) to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
(g) to make suggestions and recommendations to you and other users of our website about products or services that may interest you or them, subject to having received your consent where necessary.
Information we receive from other sources. We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above. We may monitor or record telephone conversations or other communications between you and us. We will use these recordings or transcripts of them to check your instructions to us, analyse, assess and improve our services to customers, for training and quality purposes and for the purposes of investigating any complaint you may make, or as evidence in any dispute or anticipated disputes between you and us.
Who we may share your data with
We may share your personal data with our third-party service providers for the purposes set out above.
We require all third parties to respect the security of your personal data and to treat it in accordance with Botswana law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
Wherever your data is processed outside of Botswana, we will ensure that appropriate mechanisms and contractual arrangements are in place to protect your data. You expressly agree to such transfers.
We may share your information with selected third parties, including:
(a)credit bureaux, to obtain your credit score and credit report and to provide our services to you (please see “Credit Bureaux” below for more detail); (b)Fraud prevention agencies, to prevent crime and trace those responsible (please see “Fraud Prevention Agencies” below for more detail); (c) Product providers, such as our business partners, comparison sites or aggregators who offer you credit cards, loans, car finance, mortgages, insurance, pensions, investments and other related products, to:
(d) Advertisers and advertising networks that require the data (in an aggregated format whereby individuals cannot be individually identified), to select and serve relevant adverts to you and others and to make sure their adverts reach their intended audience (for example, by telling them how many women or men have clicked on an advert); and (f) Analytics and search engine providers that assist us in the improvement and optimisation of our website.
We may also disclose your personal information to third parties if: (a) we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; (b) If we are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets; and (c) we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and other agreements; or to protect the rights, property, or safety of CreditYame, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
The legal basis for us processing your personal information. The legal basis upon which we base our processing of your personal information as described above will typically be one of the following: (a) Your consent; (b) Performance of a contract with you; (c) Pursuing our legitimate interests; or (d) Compliance with our legal obligations.
Credit Bureaux and fraud prevention agencies
If you register to use our services we will obtain on your behalf, in accordance with our Terms, copies of your credit report and credit score from designated credit bureaux. In order to provide these services to you, we will share your information with such credit bureaux.
It is important to note that we do not control the information on your credit report and we cannot amend it if it is incorrect or inaccurate. In these situations, we will assist you as much as possible in raising a dispute with the appropriate credit bureau.
Credit bureaux collect and maintain information about consumers and businesses credit behaviour. This includes Electoral Roll, fraud prevention, and credit information (including details of previous applications and the conduct of your bank accounts) and public information such as judgments, and bankruptcies. Credit bureaux may form a link between any previous or subsequent names that you use in the records they hold about you.
The information that organisations provide to credit bureaux about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and us to:
(a)help make decisions, for example when: (i) Checking details on applications for loans or other credit and credit-related or other facilities; (ii) Managing loan, credit and credit-related accounts or facilities; (iii) Recovering debt; (iv) Checking details on proposals and claims for all types of insurance; (v) Checking details of job applicants and employees; (b) detect and prevent crime, fraud and money laundering; (c) check your credit history; (d) verify your identity if you, or someone financially linked with you, applies for a loan or services; (e) trace your whereabouts; and (f) undertake research, statistical analysis and systems testing. Fraud Prevention Agencies.
We have processes and systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. Other organisations may also access and use this information to prevent fraud and money laundering, for example when: (a) checking details on applications for credit and credit related or other facilities; (b) managing credit and credit related accounts or facilities; (c) recovering debt; (d) checking details on proposals and claims for all types of insurance; and (e) checking details of job applicants and employees.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Cookies
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.
Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
Security
The security of your Personal Information is important to us but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Changes To This Privacy Policy
This Privacy Policy is effective as of 1st September 2021 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.
We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.
If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
Marketing
We would like to send you information about products and services, competitions and special offers which may be of interest to you. Where we have your consent or it is in our legitimate interests to do so, we may do this by post, email, telephone, text message (SMS) or automated call.
We will ask whether you would like us and other businesses to send you marketing. If you have previously agreed to being contacted in this way, you can unsubscribe at any time by:
— contacting us
— using the ‘unsubscribe’ link in emails or ‘STOP’ number in texts
Keeping your personal information secure
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
Changes to this website privacy policy
This website privacy policy was published on 16 June 2025 and last updated on 16 June 2025.
We may change this website privacy policy from time to time, when we do, we will inform you via email. How to contact us Please contact us if you have any questions about this privacy notice or the information, we hold about you.
If you wish to contact us, please send an email to info@credityame.com, write to PO Box 46423, Gaborone, Botswana or call +26772893113.