Privacy Policy – Your Data, Your Control

Click to Switch Privacy Policy

Last Updated: 28th February 2025

At Click to Switch, we believe switching your bank should be simple, transparent, and secure. Protecting your personal information is a priority, and we handle it in accordance with applicable data protection laws, including the Protection of Personal Information Act (POPIA), General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA) where relevant. This Privacy Policy explains how we collect, use, share, and protect your information.

1. Introduction

1.1 Our Commitment to Your Privacy

Your trust matters to us. We comply with global privacy regulations, ensuring your data is handled responsibly and transparently. If you have any questions, you can contact us at info@clicktoswitch.co.za.

1.2 Scope of This Policy

This Privacy Policy applies to our website, mobile applications, and related services under the Click to Switch brand (the "Services"). It does not apply to third-party websites, services, or financial institutions we link to or facilitate interactions with.

2. Information We Collect

2.1 Information You Provide

• Account Details: Name, email, phone number, and login credentials.
• Banking Preferences: Information about your current bank, product preferences, and switching needs.

2.2 Information Collected Automatically

• Usage Data: Pages visited, links clicked, and time spent on our site.
• Device & Log Data: IP addresses, browser type, operating system, and device identifiers.
• Cookies & Tracking: Technologies to remember preferences and analyze traffic (see Section 7).

3. Legal Basis for Processing Personal Data

We process your personal information under the following legal bases:

• Consent – When you provide explicit consent (e.g., opting into marketing communications).
• Contractual Necessity – When processing is required to provide the Services you request.
• Legal Obligations – When necessary to comply with legal requirements (e.g., fraud prevention).
• Legitimate Interests – When processing is necessary for improving our Services, analytics, and security.

4. How We Use Your Information

4.1 Facilitating Bank Switching

Helping users explore banking options, compare products, and submit switching requests.

4.2 Service Improvements

Aggregating anonymized data to analyze trends and enhance functionality.

4.3 Communication

• Service Updates: Account-related notifications.
• Marketing & Promotions: With your consent, we may send newsletters or promotional offers (you can opt out at any time).

4.4 Compliance & Protection

Ensuring legal compliance, fraud prevention, and responding to regulatory inquiries.

5. Sharing Your Information

We may share your data with:

• Partner Financial Institutions – When you initiate a switch, we share only the required details with the selected bank.
• Trusted Third-Party Service Providers – Vendors for hosting, analytics, and customer support.
• Business Transactions – If Click to Switch undergoes a merger, acquisition, or asset sale.
• Legal Obligations – If required by law.

6. Data Retention & Security

We retain personal information as long as necessary for providing our Services, meeting legal obligations, or resolving disputes.

7. Cookies & Tracking Technologies

Cookies help us improve your browsing experience, remember preferences, and analyze site performance.

8. International Data Transfers

If we transfer your data internationally, we implement safeguards such as Standard Contractual Clauses (SCCs).

9. Your Rights & Choices

You can review, update, or request deletion of your personal data.

10. Children's Privacy

Our Services are for adults aged 18 and over. We do not knowingly collect data from minors.

11. Updates to This Policy

We may update this Privacy Policy and will notify users of significant changes.

12. Contact Us

If you have questions, contact us at info@clicktoswitch.co.za.