Cookie Policy
This Cookie Policy is intended to inform users about how and why cookies and similar tracking technologies are used on this website (https://credanta.co.za). This policy is structured in strict compliance with South African data protection laws, specifically the Protection of Personal Information Act No. 4 of 2013 (POPIA) and the Electronic Communications and Transactions Act No. 25 of 2002 (ECTA), alongside international best practices for data privacy.
1. What are Cookies?
Cookies are small text files that are downloaded and stored on your computer, smartphone, tablet, or other internet-enabled device when you visit certain webpages. They allow a website to recognize your device, store and retrieve information about your browsing habits, and dynamically improve your online experience.
Cookies play a vital role in modern web service delivery. Their core benefits include:
Facilitating smooth, efficient navigation across the website.
Enabling secure access to interactive features and online application forms.
Remembering your general preferences (such as language or display settings) to avoid reconfiguring them on each visit.
Providing analytical insights into website performance, allowing us to continuously improve our services and user interface.
2. What Types of Cookies Does This Website Use?
Cookies are classified based on who manages them, their underlying purpose, and how long they remain on your device. Below is a structured breakdown of the cookies utilized on credanta.co.za:
A. Classification by Managing Entity
First-Party Cookies: These are cookies sent to your device from a computer or domain managed directly by Credanta and from which the requested service is provided.
Third-Party Cookies: These are cookies sent to your device from a computer or domain that is not managed by Credanta, but by an independent third-party entity (e.g., analytics or advertising providers) that processes the data obtained through the cookies.
B. Classification by Purpose & Consent Requirements
Cookies are classified according to different criteria:
According to the entity managing them:
First-party cookies
Cookies managed directly by Credanta and sent to the user’s device from a server or domain controlled by Credanta.
Third-party cookies
Cookies managed by third parties and sent from servers or domains not controlled by Credanta.
According to their purpose:
Essential / Technical cookies
These cookies are necessary for the website to function properly. They enable basic features such as page navigation, access to secure areas, form submission, and session management.
Preference or personalisation cookies
These allow the website to remember information so that users access the service with customised settings, such as language or display preferences.
Analytics or measurement cookies
These cookies allow Credanta to analyse user behaviour in order to measure and improve website performance and effectiveness.
Advertising or targeting cookies
These cookies collect information about users’ browsing habits in order to display advertising that is relevant to their interests. They may be set through the website by advertising partners.
According to their duration:
Session cookies
These cookies are temporary and are deleted when the user closes their browser.
Persistent cookies
These cookies remain stored on the user’s device for a defined period, which may range from minutes to several years, depending on the purpose of the cookie.
C. Classification by Duration
Session Cookies: Temporary cookies designed to collect and store data only while the user is actively browsing the website. They are automatically deleted the moment you close your web browser.
Persistent Cookies: Cookies that remain stored on your device's hard drive for a pre-defined period (ranging from a few minutes to several years, depending on the cookie's purpose), allowing the site to recognize your device during future visits.
3. Third-Party Analytics & Cross-Border Data Transfers (POPIA Section 72)
With your explicit consent, this website utilizes Google Analytics 4 (GA4), an analytical service provided by Google LLC, to gather statistical data and understand user behavior without directly identifying individual users.
Privacy Protections: GA4 operates on an event-based measurement model and does not log or store individual IP addresses.
Cross-Border Transfer Disclosure: In accordance with Section 72 of POPIA, please be aware that data generated by Google Analytics cookies may be transmitted to, processed, and stored on servers located outside the Republic of South Africa (including in the European Union and the United States). By consenting to analytics cookies, you consent to this cross-border transfer. We ensure that such transfers occur to jurisdictions offering a level of data protection legally equivalent to or exceeding POPIA (such as the EU GDPR), or under binding standard contractual clauses.
For comprehensive details on Google’s data practices, please consult the Google Privacy Policy.
4. Third-Party Websites & External Links
This website may contain links to external, third-party websites (such as financial partner institutions, accreditation bodies, or social media platforms). These websites operate entirely independently of Credanta and maintain their own distinct privacy and cookie policies.
When you navigate away from credanta.co.za to a third-party site, you are no longer governed by this Cookie Policy. Credanta accepts no responsibility or liability for the content, accuracy, technical safety, or legal compliance of any third-party privacy or cookie practices.
5. How to Block, Manage, or Delete Cookies
Most web browsers are configured to accept cookies by default. However, you retain full control over your device and can allow, block, or delete cookies at any time by modifying your browser settings.
Important Notice: Please be aware that if you disable or block Essential/Technical cookies, certain features, online forms, or secure sections of this website may cease to function correctly, resulting in a suboptimal browsing experience.
Detailed instructions on how to manage cookie preferences for the most popular web browsers can be found via the following official links:
6. Personal Data and Your Rights Under POPIA
When cookies collect information that identifies you as an individual (either directly or indirectly), that data is managed in strict adherence to our statutory data protection obligations.
A. Data Controller Statutory Details
Responsible Party / Operator: FINANSI GROUP, S.L.
Registration / VAT Number: ESB66240672
Registered Office: Calle Felip María Garín 4, 1st floor, B2, 46021 – Valencia, Spain
Official Contact Email: info@digitaldatacontrol.com
B. Lawful Basis for Processing
In terms of Section 11 of POPIA, we process non-essential cookies (Analytics, Preference, Advertising) exclusively on the lawful basis of your voluntary, specific, and informed consent, granted via our website cookie banner. You may withdraw or modify this consent at any time.
C. Data Retention
Information collected via cookies is retained only for as long as strictly necessary to fulfill the specific operational or analytical purpose for which it was gathered, in accordance with Section 14 of POPIA, after which it is securely deleted or anonymized.
D. Your Statutory Rights in South Africa
Under South African data protection legislation, you possess the following rights regarding your Personal Information:
Right of Access: To request confirmation of whether we hold personal data about you and obtain a copy.
Right to Correction/Deletion: To request the correction, updating, or destruction of inaccurate, irrelevant, or outdated personal data.
Right to Object: To object, on reasonable grounds, to the processing of your personal information.
Right to Lodge a Complaint: If you believe your data protection rights have been infringed, you have the right to lodge a formal complaint with the Information Regulator of South Africa:
7. Updates to this Cookie Policy
Credanta reserves the right to modify or update this Cookie Policy at any time to reflect changes in South African regulatory frameworks, regulatory guidance from the Information Regulator, or technical modifications to our website functionality.
Whenever significant changes are made, we will notify users by placing a prominent notice on our website or refreshing the cookie consent banner. We encourage you to review this policy periodically.
8. Contact & Further Information
If you have any questions, concerns, or requests regarding this Cookie Policy or how we handle your online tracking preferences, please contact our data control team at:
Email: info@digitaldatacontrol.com
For broader information on how we collect, use, store, and protect your general personal data, please refer to our comprehensive Privacy Policy.
2026 © Credanta.
Credanta operates as an aggregator of products and services offered by third-party providers, enabling users to access general information and compare available options. Results may be displayed based on automated pre-scoring criteria, which does not imply the provision of a direct service nor constitute advice, brokerage, intermediation, or the establishment of any contractual relationship by this platform. Credanta’s role is strictly limited to presenting information supplied by partner institutions through preliminary profile analysis tools. Suitability criteria are applied based on the data provided by the user; these are indicative only and do not, under any circumstances, represent the direct provision of a final service or the platform acting as an offeror, provider, authorised intermediary, or advisor with the capacity to enter into contracts on behalf of those institutions.
Credanta is not a party to any contract in any potential legal relationship that may be established between the user and external providers. The platform does not carry out representation, personalised advice, or mediation services. Any decision to enter into an agreement for a product or service rests solely with the user, who should carefully review the terms, conditions, and any other binding elements set out by the relevant provider before formalising any contractual relationship. The availability, accuracy, timeliness, suitability, or completeness of the information presented may change at any time. The inclusion of products or services on the platform does not imply any affiliation, control, endorsement, or verification by its owner regarding the terms offered by third parties. The platform accepts no direct or indirect liability for the outcomes, terms, or consequences arising from entering into an agreement or using products or services accessed through this technology. For full details on how the service operates, as well as the rights and obligations applicable to all parties, please refer to our legal pages.
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