Service Terms of Use TU Africa Services
Notice:Your use of any products or services on this web site, through our call centre and any other designed methods or channels, constitutes acceptance of the Terms of Use.
Acceptance of the terms
Please read the following information carefully before using this web site. By accessing or using the web sites, you acknowledge that you have read, understood, and agree to the TransUnion General Terms of Use and the Service Terms of Use (collectively the "Terms of Use"). If you do not agree with the Terms of Use, do not use this web site. We reserve the right, in our sole discretion, to modify or update these Terms of Use at any time. Please check the Terms of Use each time you visit our web site for the most current information.
These Terms of Use apply to the transunion.co.za and mytransunion.co.za web sites (collectively "TransUnion Site"). If you decide to order any consumer information, product, or services (collectively "Services") from TransUnion, such order or purchase will additionally be governed by the Service Terms of Use. If the General Terms of Use is not consistent with the specific terms that apply to the TransUnion Services offered, then the specific Service Terms of Use, will apply to these Services. In addition, these Service Terms of Use will apply to any Services obtained through any other designated method, including but not limited to the TransUnion Call Centre channel ("Channels").
Security, Encryption, and Identity Verification
TransUnion recognizes the confidential nature of the information contained in your credit report as well as the personal information that may be submitted by you through use of the TransUnion Site and other Channels and will endeavor to safeguard the privacy of information you provide to us. Your personal information will be processed in accordance with our Privacy Notice. Our Privacy Policy can be accessed through this link(Privacy). To ensure that your credit information remains secure and confidential, TransUnion uses secure protocols and programs that encrypt the data you provide, so that if intercepted by a third party, it cannot be read. It is your responsibility to ensure that the device through which you access the TransUnion Services and store information resulting from these Services, is secure and supports the TransUnion defined security programs and protocols. TransUnion has implemented an Identity Verification ("IV") system in order to protect your security and privacy. IV seeks to ensure that a customer can only register and access their own personal credit profile. IV may require that you provide answers to a set of personal questions as well as provide other inputs to verify your identity. If you cannot provide the correct information, the system will not allow you to view your credit report or access any of the Services. This is to safeguard your information. In such a case you will be required to submit the required proof of identity documentation to our TransUnion Call Centre.
Disclaimer
TransUnion is not a credit repair organization, or similarly regulated organization under other applicable law, and does not provide credit repair advice. We do not claim that we are able to "clean up" or "improve" your credit record, credit history or credit rating. The information provided to you through any of TransUnion’s Services is for education purposes only.
Term, Termination and Modification
This Agreement will take effect at the time you click "I accept and continue" and shall terminate (a) when you cancel your membership by contacting TransUnion via the TransUnion Site or the TransUnion Call Centre; or (b) if TransUnion discontinues providing any membership, subject to your right to receive membership benefits that you have paid for, or to obtain a refund of a portion of your payment; or (c) for any reason at any time at TransUnion’s sole discretion. It is important to note that even if a customer does not have an active Service, they are still considered a member. The Services shall not be used in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems. TransUnion has the right to suspend or terminate your use of any Services or access to the TransUnion Site or Channels, if we, in our sole discretion, determine that through your use of the Services, you have abused the credit reporting, credit scoring or any systems relating to the Services we provide. By accepting the Terms of Use, you agree that TransUnion will not be liable to you – or any third party - if TransUnion suspends or terminates your access for this reason. TransUnion may from time to time change these Terms of Use or any feature of the Services, and/or the TransUnion Site and Channels - including eliminating or discontinuing any content or feature of the TransUnion Site or Channels, restricting the hours of availability, or limiting the amount of use permitted - by posting notice before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the TransUnion Site and/or Channels after such notification, you agree to be bound by all the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification.
Registration and Verification
If you decide to register on our Site or Channels, to access any Services, you may be required to provide personal information, and select a username and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a username or password of another person. You agree to immediately notify TransUnion of any unauthorized use of your account and of any loss, theft, or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these Terms of Use and shall constitute grounds for immediate termination of your TransUnion account and your right to use the TransUnion Site. Online access to consumer credit report information is subject to verification of the identity of the user using our IV system. We reserve the right, at our sole discretion, to suspend or cancel any accounts that we believe are, or were involved in fraudulent activities. You hereby agree that all orders and any other communications which purport to originate from you, or a person who had authority to act on your behalf in respect of such order or communication, or an information system programmed by or on your behalf to operate automatically (collectively "the Originator") and which are sent to TransUnion electronically and which may (as a result of interception, equipment malfunction, the distortion of communication links or any other reason whatsoever) be different from the instructions actually sent or given, or may not have been given by you at all, shall be deemed to have been given by the Originator in the form actually received by TransUnion and you will be bound by such communication with no liability of whatever nature attaching to TransUnion in regard thereto. You waive any rights you may have against TransUnion and indemnify TransUnion against claims, liabilities, losses, costs, fines, damages and expenses arising from communications or orders purportedly sent by you, except where such claims are as a direct result of TransUnion’s gross negligence or willful misconduct.
Vouchers
If you have received a voucher to access any Services, such voucher entitles you to receive the designated Services for the specified period at no cost to you and pursuant to the terms applicable to the voucher. The Services will not automatically be renewed at the end of the subscription period, and you will not automatically be charged for any renewal of the Services. If you wish to continue the Services after the end of the subscription period, you will need to purchase the Services at the then-market rate. Issued vouchers must be redeemed within one month of the issue date.
Memberships and Subscriptions
When you purchase any fixed term TransUnion Service, your Service will continue for the given fixed period, where after it may continue on a month-to-month basis. Upon the expiration of the fixed period, you may opt to cancel it at any time by providing TransUnion with 30 days' written notice.
Calculators and Educational Tools
If the Services selected by you include the Educational Tools, you may have access to Calculators, Simulators, Analysis Tools, Reports and Statistics (the “Educational Tools”) for educational purposes, which may (for example) allow you to analyze your debt, view your debt breakdown and see how you compare to the rest of the TransUnion population. These Educational Tools provide estimates and are intended for your personal and educational use only. The Educational Tools do not constitute financial advice as defined in the Financial Advisory and Intermediary Services Act, 2002 or any assurance of approval for credit. TransUnion and its subsidiaries/affiliates make no representations or warranties, nor provide any guarantees, with regards to the use if these tools. TransUnion will accept no liability for any decisions you make based on the Educational Tools. To provide some of the Educational Tools to you, your personal information or data may be recorded or stored in the Educational Tools. The information that you enter into the Educational Tools does not impact your credit score(s) and will not be used for any purpose other than supplying the Educational Tools and Services to you.
Accuracy of Scores, Benchmarking, and use of Credit Tools
When accessing the Services, your personal credit profile may be compared or benchmarked against industry and/or other averages. These scores and benchmarks are calculated based only on information that is available to TransUnion or which is provided by you and TransUnion can therefore not warrant the accuracy of the information. Should any information on your credit report be incorrect, you may dispute the information by contacting TransUnion’s Call Centre. TransUnion does not approve or decline you for credit. All credit assessments are done by the credit provider based on the requirements set out in the National Credit Act, 2005, their internal risk criteria as well as the information supplied by you and/or other information available to them. Any credit score or debt rating provided by TransUnion is therefor only an indicator and does not mean that you will automatically be approved or declined for credit.
Confirmation of orders and conclusion of the transaction
By placing an order for the Services, you agree that TransUnion may deliver the information you ordered telephonically, by email, facsimile, or SMS, using the contact information you provided in the application form. You hereby agree that TransUnion may before or after delivery send you electronic communications relating to your order and/or the Services offered via the TransUnion Site or Channels, from time to time. As part of you registering and ordering Services through the TransUnion Site or Channels you will be prompted to subscribe to TransUnion's marketing communications. These communications are designed to provide educational content as well as notifications and offers related to TransUnion’s services. By agreeing to these communications, you give us permission to provide this communication to you on an ongoing basis. You may opt-out of these communications at any time using the "unsubscribe" links provided in the communication or by emailing [email protected]
TransUnion Mobile
The Services may include features and services that are available to you, and delivered by us, through your mobile phone. These features may include, without limitation, the ability to upload service content to your mobile phone, receive service messages on your mobile phone, and/or download applications to your mobile phone (collectively, "TransUnion Mobile"). Standard messaging, data and other fees may be charged by your carrier to utilize TransUnion Mobile. Fees and charges will appear on your mobile bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain features of TransUnion and certain features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues. If you access the Services through a mobile device or download a TransUnion application to your mobile device, you hereby agree that TransUnion Mobile may send communications to your mobile device. You also agree that, we may collect information related to your use of TransUnion and its Services. If you have registered for TransUnion Mobile, you agree to notify TransUnion of any changes to your mobile number and update your account to reflect any such change. You understand that if you change your mobile number or email address and you have signed up to receive alerts or other information via text or email, that you will not receive such information unless and until you update your mobile number or email address in your account settings. While TransUnion takes reasonable steps to ensure the delivery of mobile alerts, we do not guarantee that all alerts will be received due to factors beyond our control, including carrier network issues or device incompatibilities. We recommend that you sign in to your online account at least once per month to ensure that you receive all alerts.
Use of voice recordings, voice files and voice prints
When you register to use the Services, you may have the option to enroll your voice to use as your password to access the Services in future. These voice recordings, voice files and voice prints will be owned and stored by our third-party service provider (the "TPS") and form part of their data assets and intellectual property. These voice recordings, voice files and voice prints will be used only in respect of TransUnion Services to verify your identity in an effort to ensure the detection and prevention of identify fraud. By electing to enroll your voice as part of the registration process, you consent to:
Application Process for Services
TransUnion may allow you to apply for the Services (i) by telephone, (ii) on the TransUnion Site, or (iii) by any other Channel or method that TransUnion expressly permits. Not all Services will be available on any of the given methods. To apply and receive one or more Services, you must provide us with the full and accurate personal information that we require and for which personal information you are required to keep updated. By using the Services, you agree to be bound to these Terms of Use. On receipt of your application form, TransUnion will takes such steps, as it deems necessary, to evaluate your application and to verify whether you have provided TransUnion with complete and accurate information about yourself, where applicable your banking information for billing and payment purposes, and that insofar as you are requesting TransUnion to provide you with personal and/or business credit profiles, the information contained in the application form pertains to you personally. The application process will not be completed before you have been given the opportunity to review the entire transaction and correct any mistakes, or to withdraw from the transaction completely. By clicking on the "I accept and agree" button, or similar acceptance act on other methods or Channels, you are deemed to have submitted an offer to subscribe to the Services, and you will not be able to cancel the order thereafter unless TransUnion expressly agrees thereto. Given the nature of the Services, you understand that once you receive the information/data requested in your order, you will have no right to cancel the order or attempt to rely on a "cooling-off" period as the Services will already have been rendered by TransUnion and consumed by you.
Price Modifications
TransUnion may from time to time review the prices that we charge for the Services and update them. You will be notified of any pricing changes
Payment for Services
You agree to pay TransUnion the fees stipulated on the website as the price for the Services ordered. You hereby agree that, without agreement being reached with TransUnion in circumstances where just cause exists, TransUnion will not be obliged to refund any payment made by you, nor shall you be entitled to reverse such payment, for any reason whatsoever, including your failure to pass TransUnion's verification processes. The following payment options are available to you:
Credit Card /Debit Card /Cheque Card
By selecting this option you authorize TransUnion to charge the payment for such fees to the card indicated, using the card information provided in your application form, effective from the date of receipt of your order by TransUnion. You will receive your product or service once payment has been confirmed. It may take up to four or more business days for the transaction to clear. For the purchase of fixed-term and recurring subscription Services, your banking details will be stored by our third-party payment provider for the purposes of ongoing billing and payment, in order to provide the agreed uninterrupted services.
Debit Order:
If selecting this option, you authorize TransUnion to debit the payment for such fees from the account indicated, using the account information provided in your application. You will receive your product or service once payment has been confirmed. It may take up to four or more business days for the transaction to clear. For the purchase of fixed-term and recurring subscription Services, your banking details will be stored by our third-party payment provider for the purposes of ongoing billing and payment, in order to provide the agreed uninterrupted services.
TransUnion is not responsible for any overdraft/over-the-limit charges, bank fees or payment failure fees, triggered by your order being processed successfully or unsuccessfully.
Service Specific Terms of Use
The following service specific terms may be applicable to you depending on the Services that you select. You will only become eligible to receive the Services upon completion of the ordering process and payment of any applicable fees.
In terms of the National Credit Act, you are entitled to one Free Credit Report per annum. Your subscription to any of the Services does not prevent you from accessing this report at any time during any given twelve-month cycle. More information on how to access your free credit report is available on our TransUnion Site at www.transunion.co.za.
