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Regulatory & Legal Information

Negociate Credit Solutions understands the role of regulation and remaining compliant is key to our company.

We encourage and ensure compliance in the organisation with the conditions for the lawful processing of personal information. This page looks at our interactions with regulators and compliance. It also summarises our security measures.

The Promotion of Access to Information Act, 2 of 2000 (PAIA)

The Promotion of Access to Information Act, 2 of 2000 (PAIA) was passed into law to give effect to the constitutional right of access to information that is held by a private or public body and that is required for the exercise or protection of any rights.

Any person who wishes to be given access to information that belongs to Negociate Credit Solutions (Pty) Ltd or another customer/supplier of Negociate Credit Solutions (Pty) Ltd must follow the procedure set out herein.

The National Credit Act (NCA)

and Debt Review

The National Credit Act is a consumer credit legislation that promotes a fair and non-discriminatory marketplace for customers to access credit and that balances the rights of consumers and credit providers.

Debt Review is a process that was implemented through the National Credit Act 34 of 2005 (“NCA”). It allows over-indebted consumers to approach their credit providers with the assistance of a Debt Counsellor and reach an agreement on restructuring their debt obligations.

Protecting your emails with S/MIME and other security updates

With S/MIME, the content of your email is encrypted using keys and then transported to the recipient. By encrypting your emails in transit, not only can you keep confidential data out of the wrong hands, but you can also rest assured that your emails cannot be tampered with.

S/MIME’s digital signature signs each email with your unique key, eliminating the risk of anyone impersonating you. Since the digital signature works both ways, it also helps ascertain the identity of the sender in the S/MIME protected emails that land in our inbox.

Email Disclaimer and additional information with regards sending emails

An email disclaimer is a disclaimer, notice or warning which is added to an outgoing email and forms a distinct section which is separate from the main message. The reasons for adding such a disclaimer include confidentiality, copyright, contract formation, defamation, discrimination, harassment, privilege and viruses.


"The information contained in this email is confidential and may contain proprietary and/or personal information. It is meant solely for the intended recipient. Access to this email by anyone else is unauthorised."

Using this Website

By using this website (, you agree to be bound by our terms of use. These terms of use become effective when you access our website for the first time and constitute a binding agreement between Negociate Credit Solutions and yourself, which will always prevail.


The services offered by this website are provided to you free of charge, except where another agreement between us stipulates the contrary, on an "as is" and "as available" basis. Negociate Credit Solutions uses its best efforts to maintain the quality of its services, but you should not assume that the site is error-free or that it will be suitable for the particular purpose which you have in mind when using it.

Security Protocols and Certifications

Our security protocols are essentially communication protocols which are an agreed sequence of actions performed by two or more communicating entities in order to accomplish some mutually desirable goals.  We make use of cryptographic techniques, allowing the communicating entities to achieve a security goal. Some of our particular protocols, however, may enable the communicating parties to establish one or more common security goals which include data and entity authentication, confidentiality and integrity.

Herewith a brief summary of our security protocols and certifications which will put your mind at ease when using our company to securely store your personal information.