Who we are
Welcome to Empire Debt Management ("we," "us," or "our"). We are committed to protecting your privacy and ensuring that your personal information is processed safely, securely, and lawfully in accordance with the Protection of Personal Information Act, No. 4 of 2013 (POPIA) and the National Credit Act, No. 34 of 2005 (NCA)
- Physical Address: 13 Uppercamp Road, Maitland, 7405
- Email Address: sales@empiredebt.co.za
- Contact Number: 021 745 6260
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website address at: https://ftp.empiredebt.co.za or when you submit your details via our lead generation forms on social media platforms including Meta (Facebook/Instagram) and TikTok.
What personal data we collect and why we collect it
- Identity Data: Full names, surname, and South African Identity Number.
- Contact Data: Email address, phone number, and preferred contact times.
- Financial Data: Monthly income, living expenses, a list of outstanding credit agreements, debt balances, and credit bureau profile indicators.
- Technical & Usage Data: IP address, browser type, and user behavior captured via platform pixels (Meta Pixel / TikTok Pixel) used to track ad performance.We process your personal information strictly for legitimate business, statutory, and legal purposes under the National Credit Act, including:
- Conducting a formal financial assessment to determine if you are over-indebted.
- Contacting you via phone, WhatsApp, or email to provide a free, confidential debt restructuring consultation.
- Negotiating with your credit providers to lower your monthly debt obligations and interest rates.
- Preparing statutory Form 16, Form 17.1, and Form 17.2 notifications, and drafting restructuring applications for the Magistrate’s Court or the National Consumer Tribunal (NCT).
- Optimising our digital advertising campaigns and ensuring our marketing reaches the correct audiences.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Contact forms
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select Remember Me, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Our website utilises tracking technologies such as cookies, the Meta Pixel, and the TikTok Pixel. These tools help us analyze website traffic, customize consumer experience, and measure the effectiveness of our paid advertisements. You can choose to disable cookies through your personal browser settings
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
- Your Credit Providers: To verify outstanding balances and negotiate restructured payment terms.
- Registered Payment Distribution Agencies (PDAs): To ensure your consolidated monthly payments are safely distributed to your creditors.
- The National Credit Regulator (NCR) and Credit Bureaus: To log your statutory Debt Review status as required by the NCA.
- Our Retained Legal Counsel / Attorneys: To represent you in the Magistrate’s Court or National Consumer Tribunal to make your debt restructuring plan a formal order of court.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
As a South African data subject, you hold the following rights:
- Right of Access: You may request confirmation of the personal information we hold about you.
- Right to Correction: You may request that we update or correct inaccurate or incomplete data.
- Right to Objection & Deletion: You may object to the processing of your data or request that we permanently delete your records from our active marketing systems.
- Right to Complain: If you believe we have used your data unlawfully, you have the right to lodge a complaint with the Information Regulator South African.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
Additional information
What third parties we receive data from
This website and our marketing campaigns are completely independent. This site is not a part of the Facebook/Meta website or Meta Platforms, Inc. Additionally, this site is NOT endorsed by Meta or TikTok in any way. "Facebook" and "Instagram" are trademarks of Meta Platforms, Inc. "TikTok" is a trademark of ByteDance Ltd.
Industry regulatory disclosure requirements
- You have provided explicit consent by submitting your details via our ad forms or website contact pages.
- The processing is necessary to take introductory steps to enter into a contract or execute a statutory mandate (placing you under the formal Debt Review process).
- To comply with statutory consumer protection obligations mandated by the National Credit Act.
Legal & Regulatory Disclaimer: Empire Debt Management is a registered Debt Counselling practice regulated by the National Credit Regulator (NCR Reg No: NCRDC4137). Debt restructuring processes, lower monthly payment negotiations, and formal court or tribunal orders are subject to statutory timelines and the individual consumer's specific financial profile. Placing your accounts under formal debt review updates your credit bureau status as required by the National Credit Act; it does not erase contractual obligations, and past restructuring outcomes do not guarantee future credit approval, which remains at the sole discretion of third-party credit providers.