POPI

PRIVACY NOTICE – PROTECTION OF PERSONAL INFORMATION ACT (“POPIA”)

We understand that your personal information is important to you and that you may be apprehensive about disclosing it. Your privacy is just as important to us and we are committed to safeguarding and processing your information in a lawful manner.

We also want to make sure that you understand how and for what purpose we process your information. If for any reason you think that your information is not processed in a correct manner, or that your information is being used for a purpose other than that for wat it was originally intended, you can contact our Information Officer.

You can request access to the information we hold about you at any time and if you think that we have outdated information, please request us to update or correct it.

Our Information Officer’s Contact Details
Name	James Bonner
Contact Number	+27 (041) 373 0445
Email Address	customercare@frontlineum.co.za
Address	Frontline Underwriting Managers (Pty) Ltd Postnet Suite #30 Private Bag X40106, Walmer 6065

THE SOURCE OF COLLECTION OF YOUR PERSONAL INFORMATION:

We collect personal information directly / indirectly from the following data subjects:

Prospective clients who enquire about our financial services
Clients who have appointed the representative as their broker
Policyholders who enter into a policy with an insurer via the Organisation

Personal information is collected directly/ indirectly from you through the completion of an application form, online forms, during consultation via your representative as your appointed broker.

These forms are completed either electronically or in hard copy. You may also be requested to provide your personal information during your consultation with a representative. We may also collect information about you from other sources such as external third parties and from cookies on our website. Legislation that authorizes us to collect your personal information: As an authorised financial services provider, we are obligated in terms of the following legislation to collect your personal information insofar as it relates to the rendering of the relevant financial services to you:

Financial Advisory and Intermediaries Services Act 37 of 2002;
Financial Intelligence Centre Act 38 of 2001;
Insurance Act 18 of 2017;
Short-Term Insurance Act 53 of 1998;

PURPOSE FOR PROCESSING YOUR INFORMATION:

We collect, hold, use and disclose your personal information mainly to provide you with access to the services and products that we provide. We will only process your information for a purpose you would reasonably expect, including:

Underwriting
Assessment and processing of claims
Credit searches and/or verification of personal information
Claims checks & Claims History
Tracing beneficiaries
Fraud prevention and detection
Market research and statistical analysis
Audit & record keeping purposes
Compliance with legal & regulatory requirements
Verifying your identity
Complying with the obligations contained in the contract concluded between yourself and the FSP
Providing you with products and services that suit your needs as requested
To issue, administer and manage your insurance policies
To process insurance claims and to take recovery action
To notify you of new products or developments that may be of interest to you
To confirm, verify and update your details
Sharing information with service providers whom we appoint to process such information on our behalf or who render services to us. These service providers may be abroad, but we will not share your information with them unless we are satisfied that they have adequate security measures in place to protect your personal information.

You may access your personal information that we hold and may also request us to correct any errors or to delete this information. In certain cases you have the right to object to the processing of your personal information.

Some of your information that we hold may include, your first and last name, email address, a home, postal or other physical address, other contact information, your title, birth date, gender, occupation, residency status, assets, liabilities, insurance, income, expenditure and your banking details.

Some of the aforementioned personal information may be mandatory to provide within the context of product providers’ underwriting requirements and disclosures.

Failing to provide compulsory information may lead to our organisation’s inability to carry out the functions necessary to perform as an authorised financial services provider.

THIRD PARTIES AND YOUR PERSONAL INFORMATION:

We may need to share your information to third parties to provide reports, analyses, products or services that you have requested. Where we share your information, we will take all precautions to ensure that the third party will treat your information with the same level of protection as required by us.

These third parties may include:

Service providers rendering services to our Underwriting Department such as Surveyors, Risk Managers, Valuators and Reinsurers;
Service Providers rendering services to our Claims Departments such as Assessors, Loss Adjusters & Investigators;
Service Providers rendering services to our Finance Department such as Collection Agencies;
Analytics and search engine providers assisting in the enhancement of our websites;
Information Technology specialists assisting us with data storage, security, processing, analytics, etc;
Auditors of the Organisation;
Regulatory or governmental authorities such as the Financial Sector Conduct Authority and the Prudential Authority;

WE UNDERTAKE TO:

Keep all information you tell us about yourself confidential;
Not to alter any documents you provide us with when submitting it to any Insurer. Where we feel an error has been made we will advise you prior to submission thereof;
Never ask you to sign blank documents – wherever possible all documents, be they proposals or claim forms should be completed by you to ensure full details are provided;
Never to take away any rights you have in terms of any legislation that governs the way we transact business;
Supply a copy of any documents used in the preparation of your insurances, when required, free of charge.

AS A DATA SUBJECT, YOU HAVE THE RIGHT TO:

Request that we confirm, free of charge, whether or not we hold personal information about you;
Request that we provide you with a description of the personal information we hold about you, and to explain why and how it is being processed
Request that we consider your objections to the processing of your personal information
Lodge a complaint with the Information Regulator

To submit a request regarding personal information, please complete Annexure A
To submit a complaint regarding your personal information, please complete Annexure B

Once completed, please send your request or complaint to customercare@frontlineum.co.za for assistance.

THE INFORMATION REGULATOR:

For further information regarding the complaints process, please visit the website of the Information Regulator, as indicated below:

Alternatively, you may contact the Information Regulator for further assistance:

The Information Regulator
Name	Adv Pansy Tlakula
Physical Address	JD House 27 Stiemens Street Braamfontein Johannesburg, 2001
Email Address	complaints.IR@justice.gov.za
Website	https://www.justice.gov.za/inforeg/index.html

To view Frontline’s Protection of Personal Information Policy, please select the following link.

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