Where we refer to “process”, it means how we collect, use, store, make available, destroy, update, disclose, or otherwise deal with your personal information. As a general rule we will only process your personal information if this is required to deliver or offer a service, provide a product or carry out a transaction.

We may combine your personal information and use the combined personal information for any of the purposes stated in this Privacy Policy.

In this document any reference to “we” or “us” or “our” includes Our Company and any of its subsidiaries.

If you use our services, goods, products, and service channels you agree that we may process your personal information as explained under this Privacy Policy. Sometimes you may provide us with consent to process your personal information. Read it carefully because it may limit your rights.

As a national company this Privacy Policy will apply to the processing of personal information by any member of our company. If we process personal information for another party under a contract or a mandate, the other party’s privacy policy will apply to the processing.
We can change this Privacy Policy from time to time if the law or its business practices requires it.

The version of the Privacy Policy displayed on our website will apply to your interactions with us.

Personal information refers to any information that identifies you or specifically relates to you. Personal information includes, but is not limited to, the following information about you:

• your marital status (like married, single, divorced).
• your national origin.
• your age.
• your language; birth; education.
• your financial history (like your income, third party payments made on your behalf and the like)
• your identifying number (like an employee number, identity number or passport number).
• your e-mail address; physical address (like residential address, work address or your physical location); telephone number.
• your biometric information (like fingerprints, your signature).
• your race; gender; sex; ethnic origin; social origin; colour.
• your physical health; mental health; well-being; disability; belief; conscience.
• criminal history; employment history.
• your personal views, preferences, and opinions.
• your confidential correspondence; and / or
• another’s views or opinions about you and your name also constitute your personal information.
• Personal information includes special personal information, as explained below.

We will only process your 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, we have with you.
• if the law requires or permits it.
• if it is required to protect or pursue your, our or a third party’s legitimate interest.

Special personal information is personal information about the following:

• your race (like where a company submits reports to the Department of Labour where the statistical information must be recorded).
• your ethnic origin.
• your trade union membership.
• your biometric information (like to verify your identity); and / or your criminal behaviour and alleged commission of an offence.

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

• if you have consented to the processing.
• if the information is being used for any Human resource or payroll 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.
• if racial information is processed, and the processing is required to identify you; and / or if health information is processed, and the processing is to determine your insurance risk, or to comply with an insurance policy or to enforce an insurance right or obligation.

• We collect personal information from 3rd parties that are directly integrated with our software platform.
• We collect information about you based on your use of our products, services, or service channels.
• We collect information about you based on how you engage or interact with us such as via our support desk, emails, letters, telephone calls and surveys.

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

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

• Partners of our company for any of the purposes identified in this Privacy Policy.
• your spouse, dependents, partners, employer, and other similar sources.
• people you have authorised to share your personal 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 your payment 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.
• our service providers, agents and sub-contractors like couriers and other persons we use to offer and provide products and services to you.
• courts of law or tribunals.
• our joint venture partners; and / or

We will process your personal information for the following reasons:

• to provide you with products, goods, and services
• to market our products, goods, and services to you.
• to respond to your enquiries 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 you qualify for products and services or to determine your credit 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 issues (payment certificate)
• to enable us to deliver goods, documents, or notices to you.
• for security, identity verification and to check the accuracy of your personal information.
• to communicate with you and carry out your instructions and requests.
• for customer satisfaction surveys, promotional offerings.
• insurance and assurance underwriting and administration.
• to process or consider or assess insurance or assurance claims.
• to provide insurance and assurance policies and products and related services.
• 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.

• We may also market non-banking or non-financial products, goods, or services to you.
• We will do this in person, whatsapp, telephone, or electronic channels such as SMS, email, and fax.
• If you are not our customer, or in any other instances where the law requires, we will only market to you by electronic communications with your consent.
• In all cases you can request us to stop sending marketing communications to you at any time.

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

• if you have consented to this.
• if it is necessary to conclude or perform under a contract, we have 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 interest.

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

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 our records securely.
• controlling the access to our buildings, systems and/or records; and
• safely destroying or deleting records.
• Ensure compliance with international ISO security standards.

We will keep your personal information for as long as:

• the law requires us to keep it.
• a contract between you and us requires us to keep it.
• you have consented for us keeping it.
• we are required to keep it to achieve the purposes listed in this Privacy Policy.
• we require it for statistical or research purposes.
• a code of conduct requires us to keep it; and / or
• we require it for our lawful business purposes.

Take 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.

Legal

Website Privacy & Cookies Policy

SACAP Reg no: PAD66332749
WCI Draughting (Pty) Ltd: 2020/890968/07