Privacy Policy

Effective Date: 1 April 2026 | Version: 1.0 | Last Updated: 26 March 2026

Investosure Financial Consultants (Pty) Ltd 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 legislation. This Privacy Policy explains how we collect, use, store, share and protect your personal information.

1. Who We Are

Investosure Financial Consultants (Pty) Ltd (Registration No. 2015/356145/07) is an authorised Financial Services Provider (FSP Licence No. 46606), regulated by the Financial Sector Conduct Authority (FSCA). We are referred to in this policy as "Investosure", "we", "us" or "our".

Physical Address: 71 Mark Street, 1st Floor, Multiprof Centre, Upington, 8801
Postal Address: PO Box 2322, Upington, 8800
Telephone: 054 331 0318
Email: admin@investosure.co.za

2. Information We Collect

We collect personal information that you voluntarily provide when using our online quote engine or engaging with our services. This includes:

Identity information: Full name, previous surname, title, date of birth, gender, marital status, SA ID number
Contact information: Mobile number, email address, residential address
Financial information: Highest education, occupation, employer, source of income, banking details (bank, account type, account number, branch code, debit order date)
Insurance-related information: Cover type, cover amount, details of existing or lapsed policies, intended beneficiary details
Dependant information: Names, dates of birth, ages and relationships of insured lives (spouse, children, parents, extended family)
Usage data: The stage at which you used our quote engine, which insurers were compared, and which plan was selected

3. Why We Collect Your Information (Purpose)

We collect and process your personal information for the following lawful purposes:

To provide you with a funeral cover insurance quote tailored to your needs
To compare insurance products from our accredited insurer partners on your behalf
To process and submit your insurance application to the selected insurer
To generate and deliver your Disclosure Letter, Record of Advice and formal Quote as required under the FAIS Act (No. 37 of 2002)
To communicate with you regarding your application, policy status, and related matters
To comply with our legal and regulatory obligations as a licensed FSP
To maintain records as required by the FAIS Act and POPIA
To improve our services and platform

4. Legal Basis for Processing

We process your personal information on the following legal grounds:

Your consent: You have given explicit consent by ticking the consent checkbox on our quote engine
Contractual necessity: Processing is necessary to prepare and submit your insurance application
Legal obligation: We are required to collect and retain certain information under the FAIS Act, POPIA, FICA, and other applicable legislation
Legitimate interest: To operate and improve our financial advice and application services

5. How We Share Your Information

We may share your personal information with the following parties, only to the extent necessary:

Accredited insurer partners (Old Mutual, AVBOB, Assupol Life) — to process your insurance application and issue your policy
Our compliance officer (Moonstone Compliance) — for regulatory oversight and compliance monitoring
Technology service providers — who host and operate our platform under confidentiality agreements
Regulators and authorities — where we are legally required to do so (FSCA, SARS, Information Regulator)

We do not sell, rent or trade your personal information to any third party for marketing purposes.

6. Sharing with Alternative FSP Partners

If your application cannot be processed by any of our accredited insurer partners, we may contact you to request your separate consent before referring your details to vetted partner FSPs who may offer alternative cover options. This referral will only occur with your explicit, separate consent and will never happen automatically or without your knowledge.

7. How Long We Keep Your Information

We retain your personal information for the following minimum periods, as required by law:

Quotes and applications: 5 years from the date of the quote or application, as required under the FAIS Act
Policy records: For the duration of the policy plus 5 years after termination
Lead records (abandoned quotes): 12 months, after which they are anonymised or deleted

8. Security of Your Information

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, loss, destruction, or alteration. These measures include:

Encrypted data transmission (HTTPS/TLS) on all our platforms
Secure database storage at Teraco data centre, Johannesburg (POPIA-compliant infrastructure)
Access controls limiting who can view personal information within our organisation
Regular security reviews of our systems and processes

9. Your Rights Under POPIA

You have the following rights regarding your personal information:

Right to access: You may request a copy of the personal information we hold about you
Right to correction: You may request that we correct inaccurate or incomplete information
Right to deletion: You may request deletion of your personal information, subject to our legal retention obligations
Right to object: You may object to the processing of your personal information in certain circumstances
Right to withdraw consent: You may withdraw your consent at any time, without affecting the lawfulness of processing before withdrawal
Right to lodge a complaint: You have the right to lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, please contact our Information Officer at admin@investosure.co.za or call 054 331 0318.

10. Cookies and Usage Data

Our online quote engine may use session data and analytics tools to understand how users interact with our platform. This helps us improve the user experience. No personally identifiable information is shared with third-party analytics providers beyond what is necessary for this purpose.

11. Children's Information

Our quote engine collects date of birth and name information for children who are nominated as insured lives on a funeral policy. This information is collected solely for the purpose of calculating and processing the insurance application, with the consent of the policyholder (parent or legal guardian). We do not collect this information from children directly.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable legislation. The effective date at the top of this page will be updated accordingly. We encourage you to review this policy periodically.

13. Information Regulator Contact Details

If you believe your personal information has been processed in violation of POPIA, you may lodge a complaint with the Information Regulator of South Africa:

Website: www.inforegulator.org.za
Email: complaints.IR@justice.gov.za
Physical: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001

14. Contact Our Information Officer

For all privacy-related enquiries, access requests, or complaints, please contact:

Information Officer: Mr Clinton Bock
Company: Investosure Financial Consultants (Pty) Ltd
Address: 71 Mark Street, 1st Floor, Multiprof Centre, Upington, 8801
Email: admin@investosure.co.za
Tel: 054 331 0318