Legal & Compliance

My Fresh Start
Renew Your Credit. Rebuild Your Future.

My Fresh Start is committed to ethical, lawful, and transparent credit rehabilitation services in South Africa. This page sets out our legal disclosures, consumer rights, data protection practices, and service limitations in accordance with applicable South African legislation.

1. About Our Services

My Fresh Start provides credit report access, credit profile analysis, prescribed debt disputes, and related administrative assistance to help clients understand and improve their credit records.

We:

Obtain credit reports from major bureaus (including TransUnion, XDS, and others where applicable)
Identify inaccurate, outdated, or prescribed listings
Assist clients in preparing and submitting lawful disputes
Provide guidance on credit rebuilding strategies

We are not a credit provider, lender, debt counsellor, or legal firm.
We do not guarantee the outcome of any dispute or the removal of any listing.

All outcomes depend on the accuracy of bureau data, creditor responses, and individual credit profiles.

2. No Guarantee of Results

While we act in good faith and in accordance with legal procedures:

Credit bureaus and credit providers make final determinations.
Disputes may be upheld, partially corrected, or rejected.
Credit score improvements are not guaranteed.

Any examples, testimonials, or “success stories” on our website reflect individual outcomes and should not be interpreted as typical or assured results.

3. Compliance with the National Credit Act (NCA)

My Fresh Start operates in alignment with the National Credit Act 34 of 2005, including:

Respect for consumers’ rights to access and challenge credit information
Lawful dispute procedures with registered credit bureaus
No unlawful removal, manipulation, or suppression of legitimate credit data
No misrepresentation of client credit records

We do not offer debt counselling, negotiate credit agreements, or provide credit. Where necessary, clients are referred to appropriately registered professionals.

4. Consumer Protection Act (CPA)

In accordance with the Consumer Protection Act 68 of 2008:

All services are described transparently prior to engagement
Pricing is disclosed before payment
Clients may request clarification on services at any time
No misleading claims are made regarding outcomes

By purchasing our services, clients acknowledge that:

They have read and understood the nature and scope of the service
They understand that My Fresh Start provides administrative and advisory assistance, not legal or financial guarantees

5. POPIA – Protection of Personal Information

My Fresh Start is committed to safeguarding personal information in compliance with the Protection of Personal Information Act (POPIA).

5.1 Information We Collect

We may collect:

Full name, ID number, contact details
Credit bureau reports and related financial data
Supporting documentation provided by the client

5.2 Purpose of Collection

Personal information is used solely to:

Access and analyse credit reports
Prepare and submit disputes
Communicate progress and updates
Comply with legal and regulatory obligations

5.3 Data Security

We implement reasonable technical and organisational safeguards to:

Prevent unauthorised access
Protect against loss, misuse, or unlawful disclosure

5.4 Data Sharing

Information is shared only when necessary with:

Credit bureaus
Credit providers involved in a dispute
Regulatory or legal authorities where required by law

We do not sell, rent, or trade personal information.

5.5 Client Rights

Clients have the right to:

Access their personal information
Request corrections
Request deletion (subject to legal retention requirements)
Lodge complaints regarding data handling

All POPIA-related requests and complaints must be sent to:
📧 complaints@myfreshstart.co.za

6. Fees, Refunds & Service Delivery

All fees are disclosed before payment.
Fees relate to professional time, administration, reporting, and dispute preparation, not guaranteed outcomes.
Due to the nature of the service, refunds are not provided once work has commenced, unless required by law.
Clients will receive confirmation of services purchased and the scope of work.

7. Limitation of Liability

To the fullest extent permitted by law:

My Fresh Start is not liable for any indirect, incidental, or consequential loss arising from the use of our services.
We are not responsible for decisions made by credit bureaus, creditors, or third parties.
We do not accept liability for financial decisions made based on information provided.

Nothing in this section limits rights that cannot legally be excluded under South African law.

8. Intellectual Property

All website content, branding, logos, and materials are the property of My Fresh Start unless otherwise stated.
No content may be copied, reproduced, or distributed without written permission.

9. Jurisdiction

This website and our services are governed by the laws of the Republic of South Africa.
Any disputes shall be subject to South African courts.

10. Contact & Complaints

For legal, compliance, POPIA, or service-related matters:

📧 complaints@myfreshstart.co.za
📞 012 884 5128

We aim to resolve all concerns professionally, transparently, and in good faith.

11. Updates to This Page

My Fresh Start reserves the right to update this Legal & Compliance page as required by law or operational changes.
Continued use of our services constitutes acceptance of the most current version.

Closing

My Fresh Start operates with integrity, legality, and respect for every client’s financial journey.

Renew Your Credit. Rebuild Your Future.