Privacy Policy

Privacy Policy

This policy explains what types of information Global Credit Rating Co (Pty) Ltd, hereafter referred to as GCR, will collect and how that information is to be utilised. Typically, GCR will collect personal information about clients, customers and users of the website(s) hosted by us. Such information will include both identifiable personal data, as well as non-identifiable personal information. Identifiable personal information will be collected when you sign a contract of service with GCR, use the website for a transaction or subscription service, or contact GCR’s customer service department via the website’s online forms. Non-identifiable information is gathered and stored automatically when you visit the website. GCR will collect this information to ensure that we continue to provide the client, customer and user with the most relevant content and best possible service, to the extent that it is permissible in terms of the Protection of Personal Information Act and relevant provisions of the Consumer Protection Act. Except where the law requires otherwise, we undertake to protect the confidentiality of such data.

Key contacts for complaints, questions, or concerns

Marc Joffe
Chief executive officer

Riana Theorides
Compliance officer


GCR undertakes to protect the confidentiality of our clients, customers and users including all personal information supplied in the course of contracting with us for services. Furthermore, GCR agrees to not to sell any client, customer and user personal information to third parties for commercial or marketing purposes.


GCR collects personal data about our clients, customers and users when the website(s) hosted by us is visited; apply for a service subscription; complete an online enquiry form; and through the use of cookie technology1. GCR may also combine information about our clients, customers and users that is available from our business partners or affiliates.


GCR may on occasion use your personal information to advise you of matters relevant to service provision and in some cases, solicit your feedback. However, GCR will provide you with an option within every communication to opt out of receiving any communications of this nature or you can email our customer services representative to ensure that you do not receive such information. 

GCR may log your selection of the webpage(s) hosted by us; collect IP addresses and the type of browser utilised for the purposes of network/system administration and to audit the use of our site. This data, however, will not be used to identify individual users who will at all times remain anonymous.

Any information GCR collects from you through correspondence with us, whether via e-mail, telephonically or by written letter, will only be used to address the matters within that correspondence. If this requires referring such correspondence within GCR or to a third party to ensure customer service, your personal information will only be disclosed to the point necessary to address your query or concerns, and will otherwise be kept confidential.


GCR’s website may contain links to sites that belong to third parties unrelated to us. GCR cannot be held responsible for any use of your personal information arising from you disclosing such information on third party sites. GCR cannot protect any information you may disclose on these sites and recommends that you review the privacy policy statements of those sites you visit.


GCR will not enter into a voidable subscription contract with a minor and/or persons with limited or no contractual liability unless such persons has explicit written consent from a parent/guardian or curator to do so. GCR undertakes not to contact minors about promotional offers or for marketing purposes without parental consent.


GCR reserves the right to disclose information about customers where required in good faith, to do so by law or to exercise our legal rights or defend ourselves against legal claims.

GCR further reserves the right to share information with law enforcement to investigate or prevent illegal activities being committed over our network.

GCR reserves the right to disclose your personal information where you have given us explicit legal written consent to do so or compelled to do so by a court of law.

GCR reserves the right to monitor user and network traffic for site security purposes and prevent any unauthorised attempts to tamper with our site or cause damage to our property.

GCR reserves the right to make changes to this privacy policy or update it. Where a major change is made, customers will be informed by e-mail notification or through a notice on our website. Customers and site visitors bear the responsibility to ensure that they have read the changes or updates as the case may be.

[1Cookies are pieces of information that are stored on your computer’s hard drive by your web browser. When you return to our website, our computer server will automatically recognise the cookie, giving us information about your last visit. Most browsers accept cookies automatically; it is usually possible to change the settings of your browser to stop automatic acceptance. If you choose not to receive cookies, you may still use most of the features on our website. Nikon may also carry out monitoring to assess the popularity of different parts of the site and to improve navigation of the site, but such information will not be merged with your personal details. For Nikon’s Members’ section, cookies are used to ensure that your browser, and as such you, are recognised and remembered throughout the section, by holding your Membership Number and a session ID within a cookie. The cookie used for this is temporary and will be deleted from the browser when you leave the site. This use of cookies will ensure that you can move from page to page quickly, and that all of the functionality can be used. Please note that if you do not allow cookies on your computer you may be denied access to those parts of the site that depend on the use of cookies.]