INSURELOANSA
Legal

Privacy Policy

Last updated: 2025

This Privacy Policy is a template and must be reviewed and approved by a qualified legal or compliance professional before publication. Replace all [PLACEHOLDER] items with your actual information.

1. Introduction

INSURELOANSA (FSP Number: [FSP NUMBER]) ("we", "us", "our") is committed to protecting your personal information in accordance with the Protection of Personal Information Act, 4 of 2013 ("POPIA") and all applicable South African privacy legislation.

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, obtain a quote, or submit an insurance claim through our platform.

2. Information we collect

We may collect the following categories of personal information:

  • Identity information: full name, ID number, date of birth
  • Contact information: phone number, email address, physical address
  • Financial information: income, bank account details (for claims beneficiary payment)
  • Insurance information: policy details, claim information, insurer details
  • Device and usage information: IP address, browser type, pages visited
  • Communication records: records of calls, WhatsApp messages, and emails

3. Purpose of processing

We process your personal information for the following purposes:

  • To process your quote request and conduct a FAIS-compliant needs analysis
  • To submit and process your insurance claim
  • To communicate with you regarding your quote or claim
  • To comply with our legal and regulatory obligations under the FAIS Act and FSCA requirements
  • To improve our services and platform
  • To respond to complaints or queries

4. Legal basis for processing

We process your personal information on the following grounds under POPIA:

  • Contract: Processing is necessary to fulfil our service obligations to you (quote or claim processing)
  • Legal obligation: Processing is required to comply with the FAIS Act and FSCA requirements
  • Consent: Where you have given explicit consent for specific processing activities
  • Legitimate interest: For purposes such as fraud prevention and platform security

5. Sharing of personal information

We may share your personal information with the following third parties, strictly for the purposes stated in this policy:

  • Licensed insurers — to obtain quotes or process claims on your behalf
  • FAIS-registered intermediaries — where required for advice or intermediary services
  • Technology service providers — for platform hosting and communications infrastructure (subject to appropriate data processing agreements)
  • Regulatory authorities — where required by law (FSCA, SARS, etc.)

We will not sell your personal information to any third party.

6. Retention of personal information

We retain your personal information for as long as is necessary to fulfil the purposes for which it was collected, or as required by applicable legislation. Under the FAIS Act, records of advice and financial services provided must be retained for a minimum of five years.

7. Your rights under POPIA

You have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate personal information
  • Request deletion of your personal information (subject to legal retention requirements)
  • Object to the processing of your personal information
  • Lodge a complaint with the Information Regulator

To exercise any of these rights, contact us at: [PRIVACY EMAIL ADDRESS]

8. Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, or destruction. These measures include encryption of data in transit, access controls, and regular security reviews.

9. Cookies and tracking

Our website may use cookies and similar tracking technologies for purposes such as analytics, session management, and attribution tracking. You may manage cookie preferences through your browser settings. We use Google Analytics to understand website usage — Google Analytics data is anonymised and aggregated.

10. Contact — Information Officer

For privacy-related queries, to exercise your rights, or to lodge a complaint, contact our Information Officer:

  • Email: [INFORMATION OFFICER EMAIL — replace before launch]
  • Phone: +27 60 014 5992

You also have the right to lodge a complaint with the Information Regulator of South Africa at: justice.gov.za/inforeg

11. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be communicated to you via email or a prominent notice on our website. The date of the most recent update is shown at the top of this page.

Related documents:

Terms of Service →Compliance & Regulatory Information →