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Data Protection Policy

    1. Introduction 
    2. Overview
    • Wherewerefer to “process”, it means how we collect, use, store, make available, destroy, update, disclose, or otherwise deal with personal information. As a general rule we will only process this personal information if it is required to deliver or offer a service, provide a product, carry out a transaction or obligation in a contract.  
    • Wemay combine thispersonal information and use the combined personal information for any of the purposes stated in this Privacy Policy.  
    • If you use ourother services, goods, products, and service channels youagree that we may process this personal information as explained under this Privacy Policy. Sometimes you may provide us with consent to process this personal information.  
    • The Companyis a global organisation and as such this Privacy Policy will apply to the processing of personal information by any member of The Company If The Company processes personal information for another party under a contract or a mandate, the other party’s privacy policy will apply to the processing of such information.  
    • The Company can change this Privacy Policy from time to time if the law or ourbusiness practices requires such change.  
    • This policy establishes a general standard for the appropriate protection of personal information (POPI) within the The Companyenvironment furthermore, it provides principles regarding the rights of individuals to privacy and to reasonable safeguards of their personal information. 
    1. Scope

    All employees, contractors, consultants, temporary and other workers at The Company, including all personnel affiliated with third parties must adhere to this policy. This policy applies to information assets owned or leased by The Company, or to devices that connect to a Company network or reside at a Company site. 

    1. Policy Statement 
    2. What is personal information? 

    Personal information refers to any information that identifies you or specifically relates to you, or your employees stored or processed on The Product/s. Personal information includes, but is not limited to, the following information about you and / or your employees:  

    • Marital status 
    • National origin 
    • Age 
    • Language 
    • Birthplace 
    • Education 
    • Relevant financial history 
    • Identifying number (like an employee number, identity number or passport number) 
    • E-mail address; physical address (like residential address, work address or your physical location); telephone number 
    • Biometric information (like fingerprints, signature, or voice) 
    • Race; gender; sex; pregnancy status; ethnic origin; social origin; colour; sexual orientation 
    • Physical health; mental health; well-being; disability; religion; belief; conscience; culture 
    • Medical history; criminal history; employment history 
    • Personal views, preferences, and opinions 
    • Another’s views or opinions about you. 
    • Full names and initials 

    Personal information includes special personal information, as explained below.  

    1. When will we process your personal information? 

    We will only process this personal information for lawful purposes relating to our business if the following applies: 

    • If you have consented thereto 
    • If a person legally authorised by you, the law, or a court, has consented thereto. 
    • If it is necessary to conclude or perform under a contract, wehave with you
    • If the law requires or permits it 
    • If it is required to protect or pursue yourouror a third party’s legitimate interest. 
    1. What is special personal information? 

    Special personal information is personal information about the following:  

    • Race (like where a company submits reports to the Department of Labour where the statistical information must be recorded) 
    • Ethnic origin 
    • Trade union membership 
    • Health (like where you apply for an insurance policy) 
    • Biometric information (like to verify your identity); and / or your criminal behaviour and alleged commission of an offense.  
    1. When will we process your special personal information? 

    We may process your special personal information in the following circumstances:  

    • If youhave consented to the processing 
    • If the information is being used for any Human Resource or payroll related requirement 
    • If the processing is needed to create, use or protect a right or obligation in law.  
    • If the processing is for statistical or research purposes and all legal conditions are met 
    • If the special personal information was made public by you
    • If the processing is required by law 
    1. When and from where we obtain personal information about you 
    • Wecollect personal information from you directly.  
    • We may collect personal information from a public record or if you have deliberately made the information public. 
    • Wecollect personal information from 3rdparties that are directly integrated with our software platform.  
    • Wecollect information about youbased on your use of our products, services, or service channels. 
    • Wecollect information about youbased on how you engage or interact with us such as via emails, letters, telephone calls and surveys. 
    • We collect personal information from completed forms i.e., contact and billing information. 

    If the law requires us to do so, we will ask for your consent before collecting personal information.  

    The third parties from whom we may collect your personal information include, but are not limited to, the following:  

    • Ourpartners, youremployer, employees directly, any of our other Bureau or channel partners and any connected companies, subsidiary companies, its associates, cessionaries, delegates, assigns, affiliates or successors in title and / or appointed third parties (like its authorised agents, partners, contractors, and suppliers) for any of the purposes identified in this Privacy Policy.  
    • yourspouse, dependents, partners, employer, and other similar sources.  
    • people youhave authorised to share yourpersonal information, like a person that makes a travel booking on your behalf or a medical practitioner for insurance purposes.  
    • attorneys, tracing agents, debt collectors and other persons that assist with the enforcement of agreements.  
    • payment processing services providers, merchants, banks, and other persons that assist with the processing of yourpayment instructions, like EFT transaction partners. 
    • insurers, brokers, other financial institutions, or other organisations that assist with insurance and assurance underwriting, the providing of insurance and assurance policies and products, the assessment of insurance and assurance claims and other related purposes.  
    • law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime.  
    • regulatory authorities, industry ombudsman, governmental departments, local and international tax authorities.  
    • trustees, Executors or Curators appointed by a court of law.  
    • ourservice providers, agents and sub-contractors like couriers and other persons weuse to offer and provide products and services to you.  
    • courts of law or tribunals.  
    1. Reasons we need to process your personal information. 

    We will process your personal information for the following reasons:  

    • to provide youwith products, goods and services;  
    • to market ourproducts, goods, and services to you.  
    • to respond to yourenquiries and complaints.  
    • to comply with legislative, regulatory, risk and compliance requirements (including directives, sanctions, and rules), voluntary and involuntary codes of conduct and industry agreements or to fulfil reporting requirements and information requests. 
    • to conduct market and behavioural research, including scoring and analysis to determine if youqualify for products and services or to determine yourcredit or insurance risk;  
    • to develop, test and improve products and services for you;  
    • for historical, statistical and research purposes, like market segmentation.  
    • to process payment instruments. 
    • to create, manufacture and print payment advice; 
    • to enable usto deliver goods, documents or notices to you;  
    • for security, identity verification and to check the accuracy of yourpersonal information;  
    • to communicate with youand carry out yourinstructions and requests.  
    • for customer satisfaction surveys, promotional offerings. 
    • to enable you to take part in and make use of value-added products and services.  
    • to assess our lending and insurance risks; and / or  
    • for any other related purposes.  
    1. How we use your personal information for marketing purposes  
    • We will use your personal information to market our services, related products, and services to 
    • We may also market non-banking or non-financial products, goods, or services to you. 
    • Wewill do this in person, by post, telephone, or electronic channels such as SMS, email, and fax.  
    • If youare not our customer, or in any other instances where the law requires, wewill only market to you by electronic communications with your 
    • In all cases youcan request usto stop sending marketing communications to you at any time 
    1. When how and with whom we share your personal information 

    In general, we will only share your personal information if any one or more of the following apply:  

    • If youhave consented to this  
    • If it is necessary to conclude or perform under a contract, wehave with you
    • If the law requires it; and / or  
    • If it’s necessary to protect or pursue your, our or a third party’s legitimate interests.  

    Where required, each member of the company may share your personal information with the following persons. These persons have an obligation to keep your personal information secure and confidential. 

    • Other members of The Company, its associates, cessionary, delegates, assigns, affiliates or successors in title and / or appointed third parties (like its authorised agents, partners, contractors, and suppliers) for any of the purposes identified in this Privacy Policy.  
    • Ouremployees as required by their employment conditions. 
    • Attorneys, tracing agents, debt collectors and other persons that assist with the enforcement of agreements.  
    • Payment processing services providers, merchants, banks, and other persons that assist with the processing of your payment instructions, like 3rdparty EFT service providers. 
    • Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime.  
    • Regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities, and other persons the law requires usto share yourpersonal information with 
    • Ourservice providers, agents and sub-contractors like couriers and other persons weuse to offer and provide products and services to you 
    • Persons to whom wehave ceded our rights or delegated our obligations to under agreements, like where a business is sold 
    • Courts of law or tribunals that require the personal information to adjudicate referrals, actions or applications.  
    • Trustees, Executors or Curators appointed by a court of law 
    • Participating partners in our customer loyalty reward programmes, where youpurchase goods, products and service or spend loyalty rewards; and / or our joint venture and other partners with whom wehave concluded business agreements, for your  
    1. Under what circumstances will we transfer your information to other countries? 

    We will only transfer your personal information to third parties in another country in any one or more of the following circumstances:  

    • Where yourpersonal information will be adequately protected under the other country’s laws or an agreement with the third-party recipient 
    • Where the transfer is necessary to enter into or perform under a contract with you, or a contract with a third party that is in your
    • Where youhave consented to the transfer; and / or  
    • Where it is not reasonably practical to obtain yourconsent, the transfer is in your

    This transfer will happen within the requirements and safeguards of the law. Where possible, the party processing your personal information in the other country will agree to apply the same level of protection as available by law in your country or if the other country’s laws provide better protection the other country’s laws would be agreed to and applied.  

    An example of us transferring your personal information to another country is where foreign payments take place if you purchase goods or services in a foreign country, or request that we facilitate salary payments to your employees in the countries.  

    1. Your duties and rights about the personal information we have about you 

    You must provide proof of identity when enforcing the rights below.  

    You must inform us when your personal information changes.  

    Please refer to our Promotion of Access to Information Act 2 of 2000 Manual (PAIA Manual) for further information on how you can give effect to the rights listed below.  

    You have the right to request access to the personal information we have about you by contacting us. This includes requesting:  

    • Confirmation that we hold yourpersonal information. 
    • A copy or description of the record containing yourpersonal information; and 
    • The identity or categories of third parties who have had access to yourpersonal information. 

    We will attend to requests for access to personal information within a reasonable time. You may be required to pay a reasonable fee to receive copies or descriptions of records, or information about third parties. We will inform you of the fee before attending to your request.  

    Please note that the law may limit your right to access information.  

    You have the right to request us to correct or delete the personal information we have about you if it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, obtained unlawfully or we are no longer authorised to keep it. You must inform us of your request in writing. Please refer to our PAIA Manual for further information in this regard, like the process you should follow to give effect to this right. It may take up to 15 business days for the change to reflect on our systems. We may request documents from you to verify the change in personal information.  

    A specific agreement that you have entered with us may determine how you must change your personal information provided at the time when you entered into the specific agreement. Please adhere to these requirements. If the law requires us to keep the personal information, it will not be deleted upon your request. The deletion of certain personal information may lead to the termination of yourrelationship with us.  

    You may object on reasonable grounds to the processing of your personal information.  

    We will not be able to give effect to your objection if the processing of your personal information was and is permitted by law; you have provided consent to the processing and our processing done according to your consent or the processing is necessary to conclude or perform under a contract with you.  

    You must inform us of any objection in writing. Please refer to our PAIA Manual for further information in this regard, like the process you should follow to give effect to this right. 

    Where you have provided your consent for the processing of your personal information, you may withdraw your consent. If you withdraw your consent, we will explain the consequences to youWe may proceed to process your personal information even if you have withdrawn your consent if the law permits or requires it. It may take up to 15 business days for the change to reflect on our systems, during this time we may still process your personal information.  

    You have a right to file a complaint with us or any Regulator with jurisdiction about an alleged contravention of the protection of your personal information by us. We will address your complaint as far as possible.  

    1. How we secure your personal information 

    We will take appropriate and reasonable technical and organisational steps to protect your personal information according to industry best practices. Our security measures (including physical, technological, and procedural safeguards) will be appropriate and reasonable. This includes the following:  

    • Keeping our systems secure (like monitoring access and usage) 
    • Storing ourrecords securely 
    • Controlling the access to ourbuildings, systems and/or records; and  
    • Safely destroying or deleting records 
    • Ensure compliance with international security standards. 
    1. How long do we keep your personal information? 

    We will keep your personal information for as long as:  

    • The law requires usto keep it 
    • A contract between youand usrequires us to keep it 
    • Youhave consented to uskeeping it 
    • We are required to keep it to achieve the purposes listed in this Privacy Policy. 
    • Werequire it for statistical or research purposes. 
    • A code of conduct requires us to keep it; and / or  
    • Werequire it for our lawful business purposes. 

    Note: We may keep your personal information even if you no longer have a relationship with us, for the historical data that may be required by your employer or employee.  

    1. Children’s Privacy

    Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided The Company with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from Our servers. 

    If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, we may require Your parent’s consent before We collect and use that information. 

    1. Our cookie policy 

    A cookie is a small piece of data sent from our websites or applications to your computer or device hard drive or Internet browser where it is saved. The cookie contains information to personalise your experience on our websites or applications and may improve your experience on the websites or applications. The cookie will also identify your device, like the computer or smart phone.  

    By using our websites or applications you agree that cookies may be forwarded from the relevant website or application to your computer or device. The cookie will enable us to know that you have visited the website or application before and will identify youWe may also use the cookie to prevent fraud and for analytics.

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