TransUnion Zambia
May, 2024
Version 1.0
This privacy notice provides a high-level overview of how we use and share personal data across TransUnion. You can find more detailed information at the TransUnion Privacy Center or in other privacy information you may have received.
TransUnion strives to protect privacy as we collect, use, process, disclose, transfer and retain personal data.
If your personal data is used unlawfully or infringes on your privacy, you have the right to object.
This notice covers the following topics:
We're in an era of rapid digital transformation where consumers demand more access to seamless, personalised products and services online. But the currency of personal data that fuels this platform economic boom poses threats to individuals and endangers corporate security.
Now more than ever — and likely more so in the future — consumers and corporates need new levels of trust and transparency.
As a global information and insights company, TransUnion seeks to make trust possible. We do this by curating an accurate and comprehensive picture of each consumer so they're safely and reliably represented in the marketplace. This enables businesses and consumers to transact with confidence and achieve great things. We call this Information for Good.
We have our registered offices at 5th Floor – Sun Share Tower Katima Mulilo Road, Lusaka, Zambia . Although we're part of a larger group, this notice covers only the activities of TransUnion companies within the Republic of Zambia.
Contact details
Contact us about personal data issues, including the contents of this notice via:
TransUnion limits the use and disclosure of personal data to the terms of the following legislation:
Many of our products and services rely on personal data. For example:
Credit reporting: TransUnion compiles consumer credit information in credit reports from applications to (for example) credit providers or services providers for credit or services.
Credit services: We may provide your information to organisations you deal with directly, such as credit risk assessors.
Example: credit risk assessment
If you apply for credit from one of our clients, they send us your data so we can find you in our databases and reply with information about your credit history. They use that information to assess your creditworthiness.
Fraud detection services: We may provide personal information to organisations other than those you deal with directly.
Example: fraud alerts
If we receive numerous identity verification checks against an individual in a short space of time, this could indicate someone is attempting identity theft or another form of fraud. In this case, we provide real-time fraud alerts to clients subscribed to that service.
If you have provided your details to an organisation to confirm your identity, we may retain those details and link them to other details we hold about you. Then, if a fraudster tries to use your details to apply for credit with a different organisation, we can raise a potential fraud alert.
We sometimes use personal information to improve, develop, monitor, maintain and test our products, systems and security measures. Where possible, we create pseudonyms or make the data anonymous beforehand.
If you consent, TransUnion will at times access, use, process and analyse your personal data, your consumer credit information, and marketing data to provide personalised offers from TransUnion and our trusted partners.
Digital marketing: To provide relevant products and services to consumers, we may enable business partners to use our data and technology to create, deploy and measure targeted digital advertising programs.
Advertising: We may use domestic or overseas third-party advertising companies to serve ads on TransUnion Site or on other sites which we use for advertising. We may also use third-party analytical tools to personalise advertisements and enhance the visitor experience.
Market research: Participation in market research activities is optional. When you opt-in, we use your information to improve the experience of our products
Business products: We may use personal data to promote and market relevant products, services and special offers from us and our affiliates.
Customer service: We may use personal data to identify customers, process transactions and provide quality service.
Recruitment: We use personal data when we receive an employment application.
We may use personal data for our internal operations, such as:
Names, contact details, biometric and other information from consumers who visit our offices and contact us to deal with their enquiries. See our Customer Service Privacy Notice for more.
Employee information (including employment and educational history, background checks, biometric and performance appraisals) to manage our relationship.
CCTV cameras in public areas of our business premises for the safety of staff and visitors, and the security of our information and assets.
Legal and regulatory purposes, such as responding to complaints or enquiries about how we have used personal data.
In addition, we may aggregate anonymised data to provide performance analytics to business partners.
For more details on the kinds of data used for each purpose described, visit the TransUnion Privacy Center
For more on our use of cookies, see our Cookie Policy.
Information in your credit report includes:
Information not included in your credit report:
Sources for information
We may collect your personal information, or obtain information originating from the following sources:
The information we need
To verify information, credit providers need to include:
Any further information requested by credit providers must be necessary and relevant to your application. No law forces you to give information, but a credit provider can't consider your credit application if you don't provide the information required.
We get personal data directly from our business partners, suppliers, clients, site visitors, and product and services customers signing up for any of our products or services.
When visitors use any products or functions in a TransUnion Site, we collect general internet data (including internet protocol ("IP") address, metadata, location data, date and time of the visit) and behavioural data, such as searches transactions and purchases.
Simply put, we keep personal data for as long as necessary. More technically, we retain it to fulfil the purpose(s) of its provision, to comply with applicable laws, and for as long as your consent to such purpose(s) remains valid after termination of our relationship.
The Credit Reporting Act, 2018 requires we use credit information only for the provided maximum periods prescribed for credit scoring or credit assessment.
We keep specific data indefinitely to verify the integrity of the information we may need to process in the future. We store this information securely and don't use it for any other purpose.
Legitimate interests
The Law relating to the protection of personal data and privacy allows personal data usage where necessary for legitimate purposes without undue adverse impact. We base most of our processing activities on the 'legitimate interests' condition. For more details, refer to the relevant privacy notices in the links above.
Interest | Explanation |
Promoting responsible lending and helping prevent over-indebtedness. | Helping lenders only sell products that are affordable and suitable to the borrowers' circumstances. |
Verifying identity, detecting and preventing crime and fraud | Assisting clients to meet business imperatives, and legal, compliance and regulatory requirements and obligations |
Credit bureau functioning | Supporting Consumer Credit Act by promoting transparency and fairness in the access to credit, responsible borrowing, and protecting consumers against reckless credit granting. |
Consent
In most instances, consumer consent to use personal information comes to TransUnion via our clients and data suppliers.
You need to agree on who can use your personal information and how. To do this, persons who have your information must notify you they have your data and how they plan to use it.
We strive to ensure our clients and data suppliers honour their contractual obligation to get all legally required consents before accessing personal information in our credit reports.
Contracts
If you sign up for one of our online services, we need to use personal data to provide the services as set out in the Terms & Conditions. We also use this basis for processing some of our staff data. Refer to the privacy notice on the relevant website for details.
Compliance
We only access, use and disclose personal data without consent in exceptional circumstances where necessary to:
We apply the above in terms of the Crediting Reporting Act, 2018, The Data Protection Act 2021 and other relevant national legislation.
Our clients have privacy notices that provide more information about how they use the data we supply. These clients typically operate in the following sectors:
If our clients appoint an intermediary to act on their behalf, they too will receive the data.
Our clients and we might provide information to third parties that help us achieve the purposes described in section 2. For example:
These service providers can't use your information for their purposes or on behalf of other organisations unless you agree otherwise.
We sometimes make use of Service Providers that are situated outside of Zambia, e.g. South Africa, Kenya, UK and US. We access and use your information from our base in Zambia and will not transfer personal data to a country lacking laws that provide an adequate level of information protection, unless we have an agreement with the recipient requiring measures that offer a similar level of protection as The Data Protection Act, 2021 in Zambia and with the required permission from the relevant supervisory authority.
We outline your rights regarding the personal data we hold about you below.
Access: You can access all information that we hold about you by contacting us through DPOZambia@transunion.com
Correction/Destruction/Deletion: If the information we hold about you is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or obtained lawfully, you have a right to ask us to correct it or delete it.
Objection to processing: You may object (on reasonable grounds) to processing your personal data unless legislation provides for such processing.
Objection to direct marketing: You may object to us using your personal data for direct marketing, and if you do, we will stop.
We strive to deliver the highest levels of customer service. However, if you’re ever unhappy with us, please contact us so we can investigate.
TransUnion Zambia
May, 2024
Version 1.0
This privacy notice provides a high-level overview of how we use and share personal data across TransUnion. You can find more detailed information at the TransUnion Privacy Center or in other privacy information you may have received.
We use personal information to:
This notice covers the following topics:
We're in an era of rapid digital transformation where consumers demand more access to seamless, personalised products and services online. But the currency of personal data that fuels this platform economic boom poses threats to individuals and endangers corporate security.
Now more than ever — and likely more so in the future — consumers and corporates need new levels of trust and transparency.
As a global information and insights company, TransUnion seeks to make trust possible. We do this by curating an accurate and comprehensive picture of each consumer so they're safely and reliably represented in the marketplace. This enables businesses and consumers to transact with confidence and achieve great things. We call this Information for Good.
We have our registered offices at 5th Floor – Sun Share Tower Katima Mulilo Road, Lusaka, Zambia . Although we're part of a larger group, this notice covers only the activities of TransUnion companies within the Republic of Zambia.
Contact details
Contact us about personal data issues, including the contents of this notice via:
We use personal information to maintain and develop our relationships with clients, suppliers and their representatives.
Example: relationship management
Marketing
We use personal information to market our products and services to current and potential clients and their representatives. This includes providing industry insights, commentary and research on data and software, notification of events and webinars, and updates on products and services.
Example: Marketing
Providing services
Sometimes we use personal information to provide information, services, alerts and other facilities requested. For example, we might use your contact details to grant access to one of our webinars.
As a registered user of one of our products, we may use your personal information within that product — please refer to the privacy notice available within the product for more details.
Monitoring and improving our websites
We use information such as how different people navigate our websites, how long they spend on particular pages and what content they download. This helps us improve the user experience by tailoring our website to match individual interests and preferences.
Security and systems administration
We also use this information for security and system administration to generate non-personalised data (such as statistics on the uptake of services and patterns of browsing). In addition, we may share this anonymous data with business contacts, selected third parties, sponsors and advertisers.
Legal and regulatory purposes
We may also need to use your personal information for legal and regulatory purposes.
We obtain and use information from various sources summarised in the following table:
Type of information | Description | Source |
Name and contact details | Basic personal information about you and your workplace | Usually provided by the individual via telephone, email, our websites or in person at an event
|
Organisation-related details | Your organisation, department and role | |
Login credentials | Username and password recorded when you sign up to any of our web-based services | Provided by the user or AI-generated or by us (if we reset a password) |
Contact history | Our engagements, such as information exchanged, meetings, events or webinars attended, emails opened, links clicked and contacts within TransUnion | We produce these records |
Device information | The type of device used to access our websites, its operating system, cookies, browser and IP address | We produce this information |
Website usage | Use of our websites, such as pages visited and content downloaded |
We need your personal information to provide our products correctly. You don’t have to provide us with personal information for technical support requests, but this may impede the help we can provide.
Simply put, we keep personal data for as long as necessary. More technically, we retain it to fulfil the purpose(s) of its provision, to comply with applicable laws, and for as long as your consent to such purpose(s) remains valid after termination of our relationship.
The Credit Reporting Act, 2018 require we use credit information only for the provided maximum periods prescribed for credit scoring or credit assessment.
We keep specific data indefinitely to verify the integrity of the information we may need to process in the future. We store this information securely and don't use it for any other purpose.
Legitimate interests
The Data Protection Act, 2021 allows personal data usage where necessary for legitimate purposes without undue adverse impact. We base most of our processing activities on the 'legitimate interests' condition. For more details, refer to the relevant privacy notices in the links above.
Interest | Explanation |
Strategic customer engagement
| Develop and leverage our understanding of customers and suppliers and how they use our products and services
|
Strategically targeted marketing | Promote new and existing products and services to suitable current and potential clients |
Develop new and improve existing products and services | Help us remain competitive, differentiated and attractive to clients by providing world-class, future-fit solutions |
Monitor and secure our systems and data | Fulfil our promise by keeping our systems and data secure |
Other legal bases
Sometimes we process personal information on the following grounds:
Grounds | Examples |
Consent | We’ll ask if you agree to us using your data in specified ways, such as when you tick a box showing you wish to receive marketing emails or telephone calls from us |
Contractual
| We may need to use your details to perform a contracted product or service |
Legal | Regulators, government bodies and courts can order us to provide information and we may have to comply |
Our clients have privacy notices that provide more information about how they use the data we supply. These clients typically operate in the following sectors:
If our clients appoint an intermediary to act on their behalf, they too will receive the data.
Our clients and we might provide information to third parties that help us achieve the purposes described in section 2. For example:
These service providers can't use your information for their purposes or on behalf of other organisations unless you agree otherwise.
We sometimes make use of Service Providers that are situated outside of Zambia, e.g. South Africa, Kenya, UK and US. We access and use your information from our base in Zambia and will not transfer personal data to a country lacking laws that provide an adequate level of information protection, unless we have an agreement with the recipient requiring measures that offer a similar level of protection as thee Data Protection Act, 2021 in Zambia and with the required permission from the relevant supervisory authority.
We outline your rights regarding the personal data we hold about you below.
Access: You can access all information that we hold about you by contacting us through DPOZambia@transunion.com
Correction/Destruction/Deletion: If the information we hold about you is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or obtained lawfully, you have a right to ask us to correct it or delete it.
Objection to processing: You may object (on reasonable grounds) to processing your personal data unless legislation provides for such processing.
Objection to direct marketing: You may object to us using your personal data for direct marketing, and if you do, we will stop.
We strive to deliver the highest levels of customer service. However, if you’re ever unhappy with us, please contact us so we can investigate.
Email: DPOZambia@transunion.com
TransUnion Zambia
Version 1.0
This privacy notice provides a high-level overview of how we use and share personal data across TransUnion. You can find more detailed information at the TransUnion Privacy Center or in other privacy information you may have received.
When you contact us with a request, complaint or enquiry, we will use your personal data in order to help us to respond to you.
Sometimes this will mean sharing personal data with third parties. For example, if you dispute the accuracy of information on your credit report, we may need to contact the organisation who provided us with that information to check whether it is correct.
This notice covers the following topics:
We're in an era of rapid digital transformation where consumers demand more access to seamless, personalised products and services online. But the currency of personal data that fuels this platform economic boom poses threats to individuals and endangers corporate security.
Now more than ever — and likely more so in the future — consumers and corporates need new levels of trust and transparency.
As a global information and insights company, TransUnion seeks to make trust possible. We do this by curating an accurate and comprehensive picture of each consumer so they're safely and reliably represented in the marketplace. This enables businesses and consumers to transact with confidence and achieve great things. We call this Information for Good.
We have our registered offices at 5th Floor – Sun Share Tower Katima Mulilo Road, Lusaka, Zambia. Although we're part of a larger group, this notice covers only the activities of TransUnion companies within the Republic of Zambia.
Contact details
Contact us about personal data issues, including the contents of this notice via:
We use your personal data to deal with any issue or complaint you have raised (which we refer to as an “enquiry”). This might include contacting you for more information or tell you the outcome of your enquiry. Typical enquiries include:
Identity verification
When you contact us, we may need to verify your identity to ensure we don’t provide personal data to unauthorised parties.
Example: identity verification
If someone contacts us and asks us for a copy of your credit report, we’ll check that it’s you (or someone authorised by you) asking for it. We may ask for evidence of identity such as copies of your driving license, copy of your NRC or a bank statement.
It’s important to do this because the information in your credit report is valuable and could be used to impersonate you if it were to fall into the wrong hands.
Feedback
We may ask you to provide us with feedback or to leave a review about the service you received. Your feedback helps us to improve our services.
Products and services
We use aggregated statistics about enquiries, requests and complaints to help manage our services and identify potential problems. Some enquiries lead to changes to the personal data we use in our products and services.
Constant improvement
We use information from complaints and requests to help understand what went wrong, fix any problems, and improve how we deal with similar issues.
Legal and regulatory purposes
We may use personal data for legal and regulatory purposes. This might include responding to complaints or enquiries from you or a regulator about how we have handled your enquiry or used your personal data.
We obtain and use information from various sources summarised in the following table:
Type of Information | Description | Source |
Basic contact information. | Name, email address and job title | You provide this information when you make an enquiry or when we subsequently request it. |
Your enquiry. | Any enquiry you make | |
Proof of identity or authority and other supporting documentation. | To prove your identity. If you enquire on someone else’s behalf, we may ask for proof of authority, such as a power of attorney. Sometimes we may require additional supporting documentation. | |
Information gathered in dealing with your enquiry. | Dealing with an enquiry involves investigating the circumstances. This type of information depends on the enquiry. | Internal records and external organisations, such as clients and suppliers. |
Our response and other correspondence. | Our response to and other correspondence relating to your enquiry. | We produce this ourselves. |
Website usage. | If you access or submit information through our website, we record information such as IP address, operating system and browser type. | We gather this through the website. |
You are free to choose whether you give us your personal data. However, if you don’t provide the information we need, this may limit our ability to help.
We keep your personal data during the enquiry and for an additional period after completion. That period depends on purposes, such as:
Legitimate interests
The Law relating to the protection of personal data and privacy allows personal data usage where necessary for legitimate purposes without undue adverse impact. We base most of our processing activities on the 'legitimate interests' condition. For more details, refer to the relevant privacy notices in the links above.
Interest | Explanation |
Security | To keep your personal data secure |
Reputation and service improvement | Manage enquiries quickly and efficiently to build our business reputation |
Our clients have privacy notices that provide more information about how they use the data we supply. These clients typically operate in the following sectors:
If our clients appoint an intermediary to act on their behalf, they too will receive the data.
We may provide information to third parties who help us use it for purposes described For example:
If your enquiry is about data supplied to us by third parties, we might provide them with your personal data to help manage your enquiry. For example, if you dispute the accuracy of an entry on your credit file, we may contact the provider of that information to check whether its validity.
These service providers can’t use your information for their purposes or on behalf of other organisations unless you agree otherwise.
We sometimes make use of Service Providers that are situated outside of Zambia, e.g. South Africa, Kenya, UK and US. We access and use your information from our base in Zambia and will not transfer personal data to a country lacking laws that provide an adequate level of information protection, unless we have an agreement with the recipient requiring measures that offer a similar level of protection as The Law relating to the protection of personal data and privacy in Zambia and with the required permission from the relevant supervisory authority.
We outline your rights regarding the personal data we hold about you below.
Access: You can access all information that we hold about you by contacting us through DPOZambia@transunion.com
Correction/Destruction/Deletion: If the information we hold about you is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or obtained lawfully, you have a right to ask us to correct it or delete it.
Objection to processing: You may object (on reasonable grounds) to processing your personal data unless legislation provides for such processing.
Objection to direct marketing: You may object to us using your personal data for direct marketing, and if you do, we will stop.
We strive to deliver the highest levels of customer service. However, if you’re ever unhappy with us, please contact us so we can investigate.
Email: DPOZambia@transunion.com