National Debt Review Center
    NCR Registered: NCRDC3106
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    Home»Cookie Policy

    Cookie Policy

    This Cookie Policy explains how The National Debt Review Center uses cookies and similar technologies on our website to enhance your browsing experience and provide personalized services.

    By continuing to use our website, you consent to our use of cookies in accordance with this policy and our Privacy Policy.

    1. Introduction

    The National Debt Review Center Pty Ltd ("NDRC", "we", "us", "our") uses cookies and similar tracking technologies on our website www.ndrc.org.za to enhance your browsing experience, provide personalized services, and analyze website usage. This Cookie Policy explains what cookies are, how we use them, and your choices regarding their use.

    2. What are Cookies

    Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners. Cookies may be "persistent" cookies or "session" cookies:

    • Session cookies: Temporary cookies that are deleted when you close your browser
    • Persistent cookies: Remain on your device for a set period or until manually deleted

    3. Types of Cookies We Use

    3.1 Essential Cookies

    Purpose: These cookies are necessary for the website to function properly and cannot be disabled.

    Examples:

    • Session management and user authentication
    • Security and fraud prevention
    • Load balancing and website performance
    • Shopping cart functionality for our services

    Duration: Session cookies (deleted when browser closes)

    3.2 Functional Cookies

    Purpose: Enable enhanced functionality and personalization based on your interactions.

    Examples:

    • Language and region preferences
    • Form data retention for user convenience
    • Accessibility settings
    • Chat support functionality

    Duration: Up to 12 months

    3.3 Analytics Cookies

    Purpose: Help us understand how visitors interact with our website to improve user experience.

    Examples:

    • Google Analytics for website traffic analysis
    • Page view tracking and user journey mapping
    • Error tracking and performance monitoring
    • Conversion tracking for service inquiries

    Duration: Up to 24 months

    3.4 Marketing and Advertising Cookies

    Purpose: Used to deliver relevant advertisements and measure campaign effectiveness.

    Examples:

    • Google Ads remarketing and conversion tracking
    • Facebook Pixel for social media advertising
    • LinkedIn advertising and professional targeting
    • Third-party advertising network cookies

    Duration: Up to 24 months

    4. Third-Party Cookies

    Our website may contain content and services provided by third parties, which may set their own cookies. These include:

    • Google Services: Analytics, Maps, reCAPTCHA, and advertising services
    • Social Media Platforms: Facebook, LinkedIn, YouTube for content sharing and advertising
    • Payment Processors: Secure payment gateway cookies for transaction processing
    • Customer Support: Live chat and support ticket system cookies
    • Email Marketing: Newsletter subscription and email campaign tracking

    5. Legal Basis for Cookie Use

    In accordance with the Protection of Personal Information Act (POPIA) and other applicable privacy laws, our legal basis for using cookies includes:

    • Consent: For marketing and non-essential cookies where explicit consent is obtained
    • Legitimate Interest: For analytics and functional cookies that improve user experience
    • Contractual Necessity: For cookies essential to providing requested services
    • Legal Obligation: For cookies required for regulatory compliance and security

    6. Managing Your Cookie Preferences

    6.1 Cookie Consent Management

    When you first visit our website, you will see a cookie consent banner. You can accept all cookies, reject non-essential cookies, or customize your preferences. You can change these preferences at any time by clicking the "Cookie Settings" link in our website footer.

    6.2 Browser Settings

    Most web browsers allow you to control cookies through their settings:

    • Chrome: Settings → Privacy and Security → Cookies and other site data
    • Firefox: Options → Privacy & Security → Cookies and Site Data
    • Safari: Preferences → Privacy → Manage Website Data
    • Edge: Settings → Cookies and site permissions

    6.3 Third-Party Opt-Out Tools

    You can also opt out of specific third-party cookies:

    • Google Analytics: Google Analytics Opt-out Browser Add-on
    • Google Ads: Google Ad Settings
    • Facebook: Facebook Ad Preferences

    7. Impact of Disabling Cookies

    Disabling certain cookies may impact your experience on our website:

    • Essential cookies: Cannot be disabled; website functionality will be severely impacted
    • Functional cookies: Personalization features and preferences will not be saved
    • Analytics cookies: We cannot improve website performance based on usage data
    • Marketing cookies: You may see less relevant advertisements and content

    8. Data Retention and Security

    Cookie data is handled in accordance with our Privacy Policy and POPIA requirements:

    • Data is retained only for as long as necessary for the stated purposes
    • Appropriate technical and organizational security measures are implemented
    • Third-party processors are required to maintain equivalent security standards
    • Regular reviews ensure compliance with data protection requirements

    9. Updates to this Cookie Policy

    We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will notify you of significant changes by posting a notice on our website or sending you an email notification. Your continued use of our website after such changes constitutes acceptance of the updated policy.

    10. Contact Information

    If you have questions about this Cookie Policy or our use of cookies, please contact us:

    The National Debt Review Center Pty Ltd

    Registration Number: 2014/286439/07

    VAT Number: 4510302187

    Information Officer: Sibabalwe Samora Dakana

    Email: [email protected]

    Phone: 041 012 5036

    Address: 3rd Floor, Regus House, Fairview Office Park, 66 Ring Road, Greenacres, Port Elizabeth, 6000

    Last Updated: September 15, 2025
    Effective Date: September 15, 2025
    Document Reference: NDRC-COOKIE-2025

    NDRC

    National Debt Review Center

    Registered debt counsellors helping South Africans achieve financial freedom since 2014. Your trusted partner in debt relief.

    041 012 5036041 012 5036 (Sales)[email protected]3rd Floor, Regus House, Fairview Office Park, 66 Ring Road, Greenacres, Port Elizabeth, 6000
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    Debt Relief Services

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    Principal Debt Counsellor

    Sibabalwe Samora Dakana

    NCR: NCRDC3106DCASA Member: 0877
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    The National Debt Review Center (NDRC) is a registered debt counselling practice with the National Credit Regulator (NCR Registration: NCRDC3106). Our services are conducted in strict accordance with the National Credit Act 34 of 2005 and NCR Circular 09 of 2025 regarding DHS status updates.

    Important: Debt review is a regulated legal process. While under debt review, you will be unable to obtain further credit until a Clearance Certificate (Form 19) is issued or a court order declares you no longer over-indebted.

    NCR RegisteredNCRDC3106
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    Company Reg: 2014/286439/07VAT: 4510302187Est. 2014

    © 2026 National Debt Review Center (Pty) Ltd. All rights reserved. Trading as NDRC. Company Reg: 2014/286439/07. NCR Registration: NCRDC3106.