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: 36 Mangold Street, Newton Park, Eastern Cape, 6055
Last Updated: September 15, 2025
Effective Date: September 15, 2025
Document Reference: NDRC-COOKIE-2025