These policies apply to the use of the OnTime platform operated by OnTime (Pty) Ltd (“OnTime”, “we”, “us”).

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1. Privacy Policy

 

 

 

1.1 Purpose

 

 

OnTime is committed to protecting personal information in accordance with the Protection of Personal Information Act (POPIA).

 

 

1.2 Information We Collect

 

 

We may process:

 

• Personal identification details

• Contact information

• Property, levy, and arrears-related information

• Supporting documents uploaded by Clients

 

 

Information is collected only when lawfully provided by an authorised Client.

 

 

1.3 How Information Is Used

 

 

Personal information is used solely to:

 

• Deliver platform services

• Store and manage documentation

• Submit authorised data to third parties (e.g. credit bureaus)

• Meet legal and regulatory requirements

 

 

We do not sell or trade personal information.

 

 

1.4 Data Security

 

 

We implement reasonable technical and organisational safeguards.

However, no system can guarantee absolute security.

 

 

1.5 Data Retention

 

 

Information is retained only as long as:

 

• Required by law

• Necessary to provide the service

• Instructed by the Client

 

 

 

 

2. Data Processing & Client Responsibility Policy

 

 

 

2.1 Client Accountability

 

 

OnTime acts as a data processor, not the data owner.

 

Clients confirm that:

 

• They have lawful authority to submit information

• Proper notices and resolutions have been issued

• All data submitted is accurate and complete

 

 

 

2.2 No Independent Verification

 

 

OnTime does not verify:

 

• Legal compliance

• Accuracy of arrears

• Validity of resolutions or mandates

 

 

Responsibility remains entirely with the Client.

 

 

 

3. Credit Bureau Submission Policy

 

 

 

3.1 Role of OnTime

 

 

OnTime acts as a technical intermediary only.

 

 

3.2 Submission Requirements

 

 

Credit-related submissions are processed only when:

 

• Authorised by the Client

• Required documentation is uploaded

• The Client confirms legal compliance

 

 

 

3.3 Liability

 

 

OnTime is not responsible for:

 

• Listing outcomes

• Credit scoring effects

• Disputes raised by debtors

 

 

All listings remain the Client’s responsibility.

 

 

 

4. Dispute & Correction Policy

 

 

 

4.1 Disputes by Debtors

 

 

Any dispute raised by a debtor must be handled by the Client.

 

 

4.2 Corrections & Removals

 

 

OnTime will:

 

• Process corrections

• Amend or remove data

 

 

Only on written instruction from the Client.

 

OnTime does not independently assess disputes.

 

 

 

5. Acceptable Use Policy

 

 

Users may not:

 

• Upload false or misleading information

• Submit data without authority

• Use the platform for harassment, coercion, or unlawful pressure

• Attempt to bypass platform safeguards

 

 

Misuse may result in immediate suspension.

 

 

 

6. Suspension & Termination Policy

 

 

 

6.1 Suspension

 

 

OnTime may suspend access if:

 

• Legal or regulatory risk arises

• Misuse is detected

• Fees remain unpaid

 

 

 

6.2 Termination

 

 

Either party may terminate services with 30 days’ written notice.

 

Termination does not remove liability for prior submissions.

 

 

 

7. Limitation of Liability Policy

 

 

OnTime is not liable for:

 

• Indirect or consequential losses

• Legal costs or penalties incurred by Clients

• Business or reputational loss

 

 

Liability is limited to fees paid in the preceding 3 months.

 

 

 

8. Indemnity Policy

 

 

Clients indemnify OnTime against:

 

• Claims

• Fines

• Legal actions

• Regulatory penalties

 

 

arising from:

 

• Incorrect or unlawful submissions

• Lack of authority

• Non-compliance with applicable law

 

 

 

 

9. Policy Updates

 

 

These policies may be updated periodically.

Continued use of the platform constitutes acceptance of the latest version.