1. Information We Collect

We may collect and process the following categories of personal information:

1.1. Personal Information

• Name, surname, and contact details (email, phone, address)
• Identity number or passport number
• Employment and position details
• Financial information for credit assessment

1.2. Company Information

• Company registration details
• Tax clearance certificates
• Financial statements and banking details
• Project information and contract values

1.3. Technical Information

• IP address and browser information
• Device information and operating system
• Website usage data and cookies

2. How We Collect Information

We collect information through:

• Direct interactions when you complete forms on our website
• Email, telephone, and in-person communications
• Third-party sources such as credit bureaus and public records
• Automated technologies when you browse our website (cookies)

3. Purpose of Processing

We process your personal information for the following purposes:

• Providing insurance quotations and arranging coverage
• Administering insurance policies and processing claims
• Assessing eligibility for guarantees and surety facilities
• Compliance with legal and regulatory obligations
• Fraud prevention and detection
• Marketing communications (with your consent)
• Improving our website and services

4. Legal Basis for Processing

Under POPIA, we process personal information based on:

• Consent: Where you have explicitly agreed to processing
• Contract: Processing necessary to fulfill our contractual obligations
• Legal Obligation: Compliance with FSCA, FAIS Act, and insurance regulations
• Legitimate Interest: For fraud prevention and business improvement

5. Information Sharing

We may share your personal information with:

• Insurance companies and underwriters
• Surety providers and guarantors
• Credit reference agencies
• Regulatory authorities (FSCA, SARS, etc.)
• Professional advisors (auditors, legal counsel)
• Service providers who assist with our operations

We require all third parties to respect the security of your data and to treat it in accordance with the law.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure server infrastructure with access controls
• Regular security assessments and penetration testing
• Staff training on data protection obligations
• Incident response procedures

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• Duration of the insurance policy plus applicable limitation periods
• Periods required by tax and financial regulations
• Periods required by FSCA record-keeping obligations

When no longer required, personal information is securely destroyed or anonymized.

8. Your Rights

Under POPIA, you have the following rights:

• Right to Access: Request copies of your personal information
• Right to Correction: Request correction of inaccurate information
• Right to Deletion: Request deletion of your information (subject to legal obligations)
• Right to Object: Object to processing for direct marketing
• Right to Complain: Lodge complaints with the Information Regulator

9. Cookies

Our website uses cookies to enhance user experience and analyze website traffic. You can control cookies through your browser settings. We use:

• Essential Cookies: Required for website functionality
• Analytical Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact our Information Officer: