PRIVACY & SECURITY

Finbond Group Limited and all of its associated companies (“we”, “our”) respect your privacy and your personal information and take all reasonable measures, in accordance with this Policy, to protect your personal information and to keep it confidential, even when you are no longer our customer. We also know that you expect a high level of privacy and security for the personal information that you have shared or intend sharing with us.


This Privacy Policy governs the manner in which we treat your personal information collected electronically when you use our website, apply online for certain products and services, contact us electronically or register for one of the services offered on the website and the circumstances under which we will share it with third parties.

Collecting and Using Information

1. Personal information we collect online

 

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers. We ask individuals and organisations with whom we may share your information, to agree to our privacy principles, policies and practices. We store your personal information as we are required to by law. 


2. How we collect your personal information


Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us or any affiliate party, we will collect your personal information. We may also collect information about you from third parties and public resources, such as credit bureaux.


3. How we use personal information 


We may use Personal Information to:


to meet our responsibilities to you and follow your instructions;
to respond to your inquiries and fulfil your requests;
to process your personal information for ordinary business purposes, such as opening and maintaining your account, give effect to transactions, manage our risk and manage our relationship with you;
to inform you about important information regarding the website, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative and regulatory information;

to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;


to personalise your experience on the website; 

to allow you to apply for products or and evaluate your eligibility for such products or services;
to verify your identity and/or location in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
to allow you to participate in surveys and other forms of market research, promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
for business purposes, including data analysis, audits, developing and improving products and services, enhancing the website, identifying usage trends and determining the effectiveness of promotional campaigns;
for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;

4. Why and how we collect and use personal information


In order to make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us. We amongst others collect your personal information to identify you, in order for us to process your instructions or requests and/or to ensure that we meet your needs.


If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party; you may at any stage withdraw your consent.


5. When we share your personal information


The only instances in which we are permitted to disclose personal information is when:


you consent to this disclosure;
it is required by law;
it is necessary to reasonably protect our or your interests;
it is in the public interest; or
we need to provide it to credit agencies or other third parties such as suppliers or service providers.  

6. Security


To protect Personal Information from unauthorised access and use, we use security measures that comply with applicable local and even international laws and best practice. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure information remains confidential and secure.


7. Making sure information is accurate


Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our Website, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials.


8. Protecting children’s privacy online


The website is not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the Website. Children under the age of 18 years should obtain their guardian's consent before providing / submitting any personal information about themselves on the website.

 

9. Cookies


You agree that we will be entitled to send "cookies" from this website to your computer. We use the word "cookie" to refer to information that is sent from this website to your hard drive, where it is saved and contains information to personalise your experience on this website. In this way, the next time you use this website we will know who you are and that you have visited this website before. You can stop your browser from accepting cookies by changing the settings on your web browser. This may impact the functioning of our website.


10. Links to other websites


Our website may have links to other websites. Although we try and link only to websites that have high privacy standards, we are not responsible for their security, privacy, practices and content. We recommend that you read any privacy statements on these websites.


11. Updates to this Privacy Policy


This Privacy Policy is subject to change without notice to you. Please review it periodically. If we make changes to the Privacy Policy, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Website. Your use of the Website following these changes means that you accept the revised Notice.


12. Governing Law


This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of South Africa. You irrevocably and unconditionally consent to the jurisdiction of the courts of the Republic of South Africa in regard to all matters arising from this Privacy Policy, in particular you consent to the jurisdiction of the High Court, irrespective of the value of or jurisdiction in which the cause of action or a portion thereof may have occurred.

Use of the Website where this Privacy Policy is hosted will at all times be deemed to have occurred in Pretoria, South Africa, unless the contrary can be proven and you accept the onus of proving or disproving this assumption, as the case may be.


13 Complaints


If you have any complaints about privacy, please contact our privacy officer on 012 – 460 7288 or odette@finbond.co.za.