WHY AND HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

We collect your personal information to enable us to provide you with access to the products and services you have requested. The type of information we collect will depend on the purpose for which it is collected and used. Therefore, we either enter into an agreement with you or accept a mandate from you authorising us to provide these services to you and on your behalf.

We collect your personal information by:

• Processing your online application form
• Processing any subsequent instructions submitted to us
• Communicating with you on matters pertaining to your products
• Providing you with further information, which may include but not be limited to product statements (where applicable), annual tax certificates (where applicable), transaction confirmations etc.
  
  

We process your personal information when:

• It is in your legitimate interest to do so, or when you give us permission
• When you contact us by e-mail or telephone with a query, complaint or request, we
  collect the information included in your message. We use the information we collect to
  reply to, investigate and resolve your query, complaint or request.
• When you visit our website, we use cookies to optimise the website experiences when
  you login into our website portal. We collect standard information about your internet
  connection and website use. We use this information to help us improve our website and
    online services. The type of information we collect includes the URL you came from, IP
    address, domain type, browser type, the country and telephone code where your device
    is located, the web pages viewed during your visit, the links on which you clicked, and
    any search terms you entered on our website (user information).
  
  
  

WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?

We do not sell, rent or trade your personal information with anyone. We only use it for the purposes for which it was collected and agreed (appropriate in the normal course of business to provide the products and services you have requested).

We have to share it with our trusted service providers and third parties who are involved in the delivery of products or services, giving effect to the terms of our agreement. We have agreements in place with the recipients to ensure that they also comply with applicable privacy and confidentiality laws.

And lastly, we may disclose your personal information where we have a duty or a right to disclose in terms of law or other industry codes, or where we believe it is necessary for pursuing our legitimate interests or that of a third party to whom your personal information is supplied.

PERSONAL INFORMATION OF CHILDREN

We do not knowingly collect personal information of children without the consent of a parent or guardian.

If you are younger than 18 years old, we will always ask for consent to process your personal information from your parent or guardian.

WE SEND YOUR INFORMATION TO OTHER COUNTRIES

Some of the service providers that we use are located in other countries. Our website is hosted with Bluehost which is located in the United States of America. All data storage is also hosted with Bluehost.  If we send information to anyone who is located in a country that does not have the same level of protection of personal information as South Africa or the USA, we require that they undertake to protect the personal information of our customers to the same level that we do.

WE DON’T KEEP YOUR INFORMATION FOR LONGER THAN WE NEED

We will not retain your personal information for longer than is necessary for the purpose for which it was collected or processed. The period for which we retain your personal information is influenced by:

• any compliance requirement in terms of legislation
• the retention of personal information for scientific, historical or statistical purposes
• for the establishment, exercise or defence of legal claims

You can request to have your information deleted. However, we may not be able to comply with your request if we are under a legal obligation to retain the information.

WE HAVE TAKEN REASONABLE STEPS TO MINIMISE THE IMPACT OF A BREACH

We have implemented reasonable security measures based on the sensitivity of the information we hold. These measures are in place to protect the information from being disclosed, from loss, misuse and unauthorised access, and from being altered or destroyed.

We regularly monitor our systems for possible vulnerabilities and attacks, but no system is perfect and we cannot guarantee that we will never experience a breach of any of our physical, technical or managerial safeguards. If something should happen, we have taken steps to minimise the threat to your privacy. We will let you know of any breaches which affect your personal information and inform you how you can help minimise the impact.

Basically, we take every reasonable step to protect your personal information, but we cannot guarantee the security of any information you transmit to us electronically and you do so at your own risk.

YOUR RIGHTS

You have the right to be informed about the personal information we have, and what we do with it and to request a copy of the personal information which we have on record of you.

You have the right to:

• ask us what we know about you
• ask what information was sent to our suppliers, service providers or any other third party
• ask us to update, correct or delete any out-of-date or incorrect personal information we

  hold about you

• receive all of the information we have about you and to transfer it to another service

  provider

• unsubscribe from any direct marketing communications we may send you
• object to the processing of your personal information.

You can request access to the information we hold about you or correct your personal

 information by contacting our Client Service team.

CONTACT US

If you have any questions or do not understand anything in this Policy, please send us an email and we will respond to you as soon as possible.

To contact the Compliance Officer or Market Conduct officer of any of our insurers, please refer to the applicable product document or refer to the insurers websites themselves.