TRANSUNION CREDIT BUREAU TERMS OF USE
1. DEFINITIONS
1.1 “Confidential Information” means personal information which belongs to a person and is not
generally available to or known by others and any and all information or data which by its nature or
content is identifiable as confidential and/or proprietary to TransUnion Credit Bureau and the
Customer as the case may be.
1.2 “Consumer Credit Information” shall bear the meaning set out in Section 70 (1) of the NCA.
1.3 “Customer/You” means the person accepting the terms and requesting a Report.
1.4 “Intellectual Property” means all intellectual property of whatever nature owned and/or controlled
by TransUnion Credit Bureau including without limiting the generality of the aforegoing, all right, title
and interest in and to all trade marks, trade names, trade secrets, technology, software, applications,
web pages, logos, systems, methods, procedures, processes, domain names, styles, insignias,
scoring processes, design, layout, “look and feel” and “get up” of the Reports, compilations, designs,
patents, and copyright whether registered or not.
1.5 “NCA” means the National Credit Act, 34 of 2005 together with the Regulations.
1.6 “Prescribed Information” shall bear the meaning set out in Section 18 (6) of the Regulations
being (a) status and history of outstanding obligations and payments in respect of goods, services or
utilities supplied to consumers; (b) information that is relevant for the purposes of credit fraud
detection and prevention; (c) payments made by a consumer in respect of a debt, where the debt has
been ceded or sold by the credit provider; (d) information that is not related to and not intended for
the purpose of providing consumer credit, provided that the consumer's consent has been obtained to
use the information for such purposes and to submit, compile and report such information.
1.7 “Prescribed Purpose” shall bear the meaning set out in Section 18 (4) and 18(6) of the
Regulations being (a) an investigation int