Privacy Policy /
CUSTOMER PRIVACY NOTICE
This Notice explains how we obtain, use and disclose your personal information, as is required by the Protection of Personal Information Act (“PPI”).
At RBwealth we are committed to protecting your privacy and to ensure that your personal information is collected and used properly, lawfully and transparently.
This Notice sets out:
Who we are
What information we collect
Our aim to provide ongoing financial services
To whom we disclose your information
How we safeguard your information
Your rights to access and correction of information
Website specific privacy
Changes to this Notice
How to contact us
The Information Regulator’s contact details
WHO WE ARE
In this Notice, “RBwealth” or “we” refers to the company.
THE INFORMATION WE COLLECT
We collect and process your personal information mainly to provide you with access to our services and products, to help us improve our offerings to you and for certain other purposes explained below.
The type of information we collect will depend on the purpose for which it is collected and used. We will only collect information that we need for that purpose.
We collect information directly from you where you provide us with your personal details, for example when you purchase a product through us or services from us or when you submit enquiries to us or contact us. Where possible, we will inform you what information you are required to provide to us and what information is optional.
We also collect information about you from other sources as explained below.
Website usage information is collected using “cookies” which allows us to collect standard internet visitor usage information.
HOW WE USE YOUR INFORMATION
We will use your personal information only for the purposes for which it was collected or agreed with you, for example:
To provide our products or services to you, to carry out the transaction you requested and to maintain our relationship;
For underwriting purposes;
To assess and process claims;
To conduct credit reference searches or verification;
To confirm and verify your identity or to verify that you are an authorised user for security purposes;
For operational purposes, and where applicable, credit scoring and assessment and credit management;
For purposes of claim checks (e.g. the ASISA Life and Claims Register);
For the detection and prevention of fraud, crime, money laundering or other malpractice;
For debt tracing or debt recovery;
To conduct market or customer satisfaction research or for statistical analysis;
For audit and record keeping purposes;
In connection with legal proceedings.
We will also use your personal information to comply with legal and regulatory requirements or industry codes to which we subscribe or which apply to us, or when it is otherwise allowed by law.
ONGOING FINANCIAL SERVICES
Given our aim to provide you with ongoing financial services, we would like to use your information to keep you informed about other financial products and services which may be of particular interest to you.
Our emails will always contain a link to “opt out”. You can also WhatsApp or sms your Name and surname to 082 450 2023 stating you no longer want to receive such financial services information. You may opt out at any time if you don’t want to receive any further communications of this nature.
You may also give and withdraw consent and tell us what your communication preferences are by visiting our website at https://www.rbwealth.co.za by using our live chat facility.
DISCLOSURE OF INFORMATION
We may disclose your personal information to our service providers who are involved in the delivery of products or services to you. We have agreements in place to ensure that they comply with these privacy terms.
We may share your personal information with, and obtain information about you from:
Third parties for the purposes listed above, for example credit reference and fraud prevention agencies, law enforcement agencies;
Other insurers to prevent fraudulent claims;
Other third parties from whom you have chosen to receive marketing information.
We may also disclose your information:
Where we have a duty or a right to disclose in terms of law or industry codes;
Where we believe it is necessary to protect our rights.
INFORMATION SECURITY
We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorised access and use of personal information. We will, on an ongoing basis, continue to review our security controls and related processes to ensure that your personal information is secure.
Our security policies and procedures cover:
Physical security;
Computer and network security;
Access to personal information;
Secure communications;
Security in contracting out activities or functions;
Retention and disposal of information;
Acceptable usage of personal information;
Governance and regulatory issues;
Monitoring access and usage of private information;
Investigating and reacting to security incidents.
When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information that we remain responsible for, is kept secure.
We will ensure that anyone to whom we pass your personal information agrees to treat your information with the same level of protection as we are obliged to.
YOUR RIGHTS: ACCESS TO INFORMATION
You have the right to request a copy of the personal information we hold about you. To do this, simply click visit our website at https://www.rbwealth.co.za and request your personal information or contact us at info@rbwealth.co.za and specify what information you would like. We will take all reasonable steps to confirm your identity before providing details of your personal information.
CORRECTION OF YOUR INFORMATION
In certain cases you have the right to object to the processing of your personal information. You have the right to ask us to update, correct or delete your personal information. You may do this by visiting our website at https://www.rbwealth.co.za.
We will take all reasonable steps to confirm your identity before making changes to personal information we may hold about you.
We would appreciate it if you would keep your personal information accurate. Please update your information by visiting our website at https://www.rbwealth.co.za whenever your details change.
Website specific privacy
Our website address is: https://www.rbwealth.co.za.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
CHANGES TO THIS NOTICE
Please note that we may amend this Notice from time to time. Please check this website periodically to inform yourself of any changes.
HOW TO CONTACT US
If you have questions about this Notice or believe we have not adhered to it, or need further information about our privacy practices or wish to give or withdraw consent, exercise preferences or access or correct your personal information, please contact us at:
info@rbwealth.co.za
using the live chat on https://www.rbwealth.co.za
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You have the right to complain to the Information Regulator, whose contact details are:
Information Regulator
Tel: 012 406 4818
Fax: 086 500 3351
Email: inforeg@justice.gov.za
