8. Multispray will only collect and process your personal information for the reason you provided, or to enable us to comply with the requirements of specific local or foreign laws that we are governed by; or to comply with any regulations, directives, judgments or court orders, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands of any supervising authority, regulator, tribunal, enforcement agency or exchange body.
9. Clause 9: Multispray may process your personal information to protect you or our legitimate interest. Your personal information includes, but is not limited to information from the credit bureaus, to determine which credit lending products/services and or solutions to promote or to offer to you. Multispray will not collect and process personal information about you that we do not need. The general purposes for which Multispray collects and processes your personal information include:
9.1. Creating a record of you on our system to verify your identity, assess your application for products and/or services, provide you with the products and/or services you have applied for or enquired about (where you do not currently hold, or have not applied for, such products and services), and then communicate with and keep you informed about these products and/or services.
9.2. Any purpose related to the prevention of financial crime, including fraud detection and prevention, sanctions screening, adverse media screening, monitoring of anti-money laundering and any financing of terrorist activities.
9.3. Managing our business and identifying potential trends within the market, to ensure our products are future-fit.
9.4. Enforcing our obligations, including without limitation the collection of amounts outstanding from you and your provision of security for banking facilities.
9.5. Further processing for historical, statistical or research purposes where the outcomes will not be published in an identifiable format.
9.6. Conducting analytics operations to better understand you as our customer so that we can tailor our product and/or service offerings to you, where relevant and applicable.
9.7. Conducting surveys to gauge customer or employee sentiment or to improve our product and service offering.
9.8. Where you have applied for employment at Multispray, we perform applicant screening and background checks, and such screening may include social media screening and screening relating to any information about you obtained from publicly available sources such as search engine results.
10. Furthermore, Multispray will not process your special personal information unless:
10.1. You have consented to Multispray processing it (in circumstances where we are legally obliged to obtain your consent); or
10.2. It is necessary to exercise or defend a right or obligation in law; or
10.3. It is necessary to comply with an international legal obligation of public interest; or
10.4. It is for certain historical, research or statistical purposes that would not adversely affect your privacy; or
10.5. You have deliberately made your personal information public.
11. There are some personal information fields that you have to fill in or provide if you want Multispray to provide you with your chosen product and/or service or onboard you as an employee, supplier, director or job applicant. This information can be provided in writing, electronically or telephonically, but it must be accurate and complete. These fields are indicated by an asterisk (or as otherwise indicated) on the respective forms/websites. If Multispray does not receive the necessary personal information, we will not be able to continue with your application. If you are already a(n) customer/employee/supplier/director and Multispray asks you for this information and you do not provide it, Multispray will have to suspend the provision of the product and/or services for a period of time, or as the case may be, even terminate our relationship with you.
12. In most cases, personal information will be collected directly from you, but there may be other instances when Multispray will collect personal information from other sources. These may include public records, places where you may already have made your personal information public (for example, on social media where your settings on such social media are set to ‘public’), credit bureaus, or individuals/directors whom you have appointed as your representative, where you are a corporate entity. Multispray will only collect your personal information from other sources where we are legally entitled or obliged to do so, and you are entitled to ask Multispray which sources Multispray used to collect your personal information.
14. Multispray will not share your personal information with third parties who do not need your personal information, or where Multispray is not legally permitted to do so. When Multispray decides to transfer your personal information to third parties, we will only provide it to organisations that have data privacy policies equivalent to Multispray’s, or subject to appropriate contractual obligations, or to those who are subject to laws relating to the processing of personal information that are similar to those that apply to Multispray.
15. There may be instances where Multispray will process your personal information through a secure automated tool, or perform profiling and make decisions, based on such profiling, that may affect you significantly (for example, the automatic non-approval of a personal loan that you may have applied for through any of our online channels, or the automatic non-approval of an application for employment, or engagement as a supplier). If you are unhappy about the outcome of such a decision or would like further information on how such outcome was reached, please contact us at 016 981 1054