Introduction

SA Financial Planners (Pty) Ltd ("SAFP", "we", "us", or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

We comply with the Protection of Personal Information Act (POPIA) of South Africa and other applicable data protection laws. By using our services, you consent to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

We may collect the following types of personal information:

Name, contact details (email, phone, address)
Identity number or passport number
Financial information (income, expenses, assets, liabilities)
Employment and demographic information
Health information (for insurance products)
Banking and payment information

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

IP address and location data
Browser type and version
Pages visited and time spent on pages
Referring website addresses
Device information

How We Use Your Information

We use your personal information for the following purposes:

To provide financial planning services and advice
To process insurance applications and claims
To communicate with you about our services
To comply with legal and regulatory requirements (FAIS, FICA, POPIA)
To improve our website and services
To send you marketing communications (with your consent)
To prevent fraud and ensure security

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of sensitive data in transit and at rest
Secure servers and databases
Regular security audits and assessments
Access controls and authentication
Staff training on data protection

Your Rights Under POPIA

You have the following rights regarding your personal information:

Right to access: Request a copy of your personal information
Right to correction: Request correction of inaccurate information
Right to deletion: Request deletion of your information (subject to legal requirements)
Right to object: Object to processing of your information
Right to restrict processing: Request restriction of processing
Right to data portability: Request transfer of your data
Right to withdraw consent: Withdraw consent at any time

Cookies

We use strictly necessary cookies and local storage to keep MySmartPlan secure and to remember your cookie choices. Optional functional, analytics and marketing technologies are off by default and load only after you choose to allow them in the cookie banner or Cookie preferences centre. Declining optional technologies does not block sign-in, onboarding or other necessary services. Current optional providers include browser error monitoring (Sentry) under analytics and address autocomplete (Google Places) under functional when enabled. Marketing tools are reserved and not currently active. You can change or withdraw those choices at any time using the Cookie preferences link in the website footer. Preferences are stored in your browser for up to 365 days and are renewed when our consent or policy version changes.

This summary describes current platform behaviour and is prepared for legal review. Formal Cookie Policy wording, cross-border processing details and retention schedules remain subject to qualified legal review.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

Email: privacy@safp.co.za

Phone: +27 010 596 0400

Address: SA Financial Planners (Pty) Ltd, South Africa

Last Updated: January 2025