The Protection of Personal Information Act
FSP Name: B-Sure Africa Insurance Brokers (Pty) Ltd.
FSP Number: 45870
The purpose of The Protection of Personal Information Act 4 of 2013 (hereafter ‘the Act’) is to give effect to the constitutional right to privacy. This is achieved by safeguarding personal information (PI) when processed by a responsible party, B-Sure Africa Insurance Brokers (Pty) Ltd. (hereafter ‘the FSP’), subject to justifiable limitations that are aimed at balancing the right to privacy against other rights, particularly the right of access to information; and protecting important interests, including the free flow of information within the Republic of South Africa and across international borders.
The Act regulates the manner in which PI may be processed, by establishing conditions, in harmony with international standards, that prescribe the minimum threshold requirements for the lawful processing of PI. Furthermore, it provides persons with rights and remedies to protect their PI from processing that is not in accordance with the Act.
The FSP is committed to protecting existing and prospective client’s privacy and will ensure that their PI is used appropriately, transparently, and according to applicable law.
The FSP operates as an authorised financial services provider licensed to provide advice and intermediary services throughout the Republic of South Africa. The FSP is registered as a direct marketer within the short term insurance industry offering various Insurer solutions to the general public and businesses.
The FSP holds various agreements with numerous Insurers to act on their behalf through policy quotation, policy conclusion, amendments/changes up to and including cancellation processing.
What Information Do We Collect?
PI is information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person, including but not limited to: (i) information relating to race, gender, marital status, ethnicity or social origin, age, disability; (ii) an identifiable number, email address, physical address, telephone number, identification number, location information, online identifier; (iii) biometric information; (iv) personal preferences, views or opinions; (v) correspondence of a private or confidential nature; (vi) and a name if it appears with other PI relating to you or if disclosing your name itself will reveal information about you. Therefore, any information about human beings or companies will be deemed to be PI and must be protected by the FSP. Processing the PI of a child is strictly prohibited, unless such child is legally competent or is assisted by a competent person.
The FSP is responsible for the lawful processing of PI in accordance with the conditions described under chapter 3 of the Act, these principles include:
- Processing limitation;
- Purpose specification;
- Further processing limitation (information should only be processed for the reason it was originally collected);
- Information quality;
- Security safeguards; and
- Data subject participation.
The FSP is only able to collect as much information as is necessary to fulfil the intended purpose for which the information is collected. However, they can collect more information, for a further intended purpose, if they obtain the necessary consent from the individual. The FSP will collect and process PI to provide individuals with access to products and services of providers, with whom they have contractual agreements in place, and to help them improve their services to their clients.
The type of information collected will depend on the need(s) and will be processed for that specific purpose. Where possible, the FSP will inform the individual as to the information they are required to provide and what information is optional. The FSP may, with explicit consent, supplement the information that is provided with information they receive from other providers to offer a personalized and streamlined experience.
When an individual elects to engage with the financial proposal(s) being offered from the said service providers, these providers may require additional information as they will be subject to the same privacy regulations as this FSP.
The FSP may monitor and record any telephone call that occurs between themselves and an existing or prospective client made to or from their call centre. These calls are recorded to improve service delivery, record the individuals details to update them and or to meet any regulatory requirement
The FSP will not sell your PI and no PI will be disclosed to anyone except as provided for in this Policy.
How we use your information?
The FSP will only use PI for the purposes which it was collected and agreed to. This may include:
- Marketing products or services limited to other businesses owned and managed by the B-Sure group of companies and, to carrying out requested transactions;
- For underwriting purposes;
- Assessing and processing claims;
- Conducting credit reference searches or verification;
- Confirming and verifying an individual’s identity;
- For credit assessment and credit management;
- For purposes of claims history;
- For the detection and prevention of fraud, crime, money laundering or other malpractice;
- Conducting market or customer satisfaction research;
- For audit and record keeping purposes;
- In connection with legal proceedings;
- Maintaining and constantly striving to improve customer relationships;
- Providing individuals with communications regarding the FSP and regulatory matters that may affect you as a client or prospective client;
- Complying with legal and regulatory requirements or when it is otherwise allowed by law.
The FSP will try its utmost to keep the PI collected as accurate, complete, and up to date as necessary for the purposes defined in this Policy, however, it may request you to update your PI.
Disclosure of your information
The FSP may disclose PI to the providers whose services or products clients elect to utilise, and there are agreements in place to ensure that the said providers comply with the FSP’s privacy terms and conditions.
Under certain circumstances the FSP may be required to disclose your PI if required to do so by law or in response to valid requests by public authorities, for example, a court or a government agency. Furthermore, the FSP may disclose PI if it believes in good faith that such an action is necessary to:
- To protect and defend the rights and property of the FSP;
- To prevent or investigate possible wrongdoing in connection with a service provided;
- To protect the personal safety of users of the services provided or the general public at large;
- To protect against legal liability.
Safeguarding your information
The Act requires the FSP to adequately protect the PI held and avoid unauthorised access and use of PI. The FSP will continuously review their security controls and processes to ensure that PI is secure. However, because no method of internet transmission or electronic storage is completely secure the FSP cannot guarantee its absolute security.
If the FSP needs to transfer PI to another country for processing or storage they will ensure that any party to whom the PI is passed onto will treat this information with the same level of protection as required from this FSP.
Your rights to access and correction of your personal information
You have the right to enquire from the FSP (at no cost) whether they hold your PI (this information will only be provided once adequate proof of identity has been furnished); where necessary, request the correction or deletion of your PI; object to, restrict or limit the processing of your PI; object to using your PI for purposes of direct marketing.
The FSP can be contacted and relevant information can be obtained on the numbers or addresses listed below:
Information officer Telephone Number 0861 266 773 Postal address Physical address B-Sure Corner, Eastwood Office park, 11b Riley Road, Bedfordview, Gauteng, 2007 Email address email@example.com Website bsure.co.za
Changes to this Notice
Please note that the FSP may amend this Policy from time to time. Please check our website periodically to inform yourself of any changes.
Policy is under review.