PRIVACY POLICY

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MONO.insure Brokers (Pty) Ltd (“Mono,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website (https://mono.insure) or services. By using our website, you agree to the terms outlined in this Privacy Policy and our compliance with the Protection of Personal Information Act 4 of 2013 (POPIA).

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1. Information We Collect
   We may collect and process the following types of information, which may include both personal information that identifies you as an individual and non-personal information:
   - Personal Identification Information: such as your name, ID number, email address, postal address, phone number, and date of birth.
   - Financial Information: such as account numbers, income details, and financial history relevant to the services you seek.
   - Usage Data: such as IP address, browser type, device information, and website activity (collected through cookies and similar technologies).
   - Communication Information: such as customer service requests, emails, and other forms of communication with us.
   - Form Submission Information: such as information you provide by filling in forms on our website, such as during registration, subscription to our services, posting materials, or requesting additional services.
   - Competition and Problem-Reporting Information: such as information collected when you enter competitions or promotions featured on our website, or when you report problems with our website, services, or products.
   - Survey Information: such as information from surveys you choose to complete for us, which we may use for research purposes.
    

2. How We Collect Your Information
   We may collect your information through:
   Direct Interactions: when you provide information via forms, applications, or through customer service inquiries.
   Automated Technologies: such as cookies, server logs, and analytics tools that collect Usage Data as you navigate the website.
   Third Parties: from partners, agents, or financial institutions that you have authorized to share your information with us.
    

3. Purpose of Processing Your Information
   We use your information for the following purposes:
   - Service Provisioning: to provide, manage, and enhance our financial services, including processing applications and claims.
   - Customer Support: to respond to your inquiries and requests.
   - Legal Compliance: to comply with applicable laws, regulations, and regulatory authorities (such as the Financial Sector Conduct Authority).
   - Marketing and Communication: to send promotional content, newsletters, or information about new services (where consented to).
   - Competitions and Promotions: to administer competitions, promotions, and surveys you choose to participate in and to process related entries.
   - Improvement of Services: to analyse website usage, improve functionality, and enhance your user experience.
    

4. Legal Basis for Processing
   We process your information based on the following legal grounds, as applicable under South African law:
   - Consent: where you have given your consent for us to process your personal information.
   - Performance of Contract: where processing is necessary to fulfil our contractual obligations to you.
   - Legal Obligations: where processing is required for compliance with legal and regulatory obligations.
   - Legitimate Interests: where processing is necessary for our legitimate interests, provided this does not infringe on your rights.
    

5. Sharing Your Information
   We may share your information with:
   - Service Providers: third-party vendors who provide services on our behalf, such as IT support, payment processors, or marketing agencies.
   - Regulatory Bodies: where required for compliance with South African laws and regulations.
   - Business Partners: trusted partners with whom we collaborate to deliver financial services, where relevant.
   - Legal and Compliance Purposes: in cases of legal investigations, fraud prevention, or in response to legal processes.
   We require all third parties with whom we share personal information to respect the confidentiality and security thereof and comply with applicable data protection laws.
    

6. Data Security
   We implement reasonable technical and organisational measures to protect your information against unauthorised access, loss, destruction, or alteration. Although we strive to protect your data, no online platform can guarantee absolute security. You are responsible for maintaining the security of your own login credentials.
    

7. Data Retention
   We will retain your information for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, or reporting requirements. Where we process your data based on consent, we will retain your personal information until you withdraw your consent, subject to any mandatory retention periods under South African law.
    

8. Your Rights
   Under POPIA, you have certain rights regarding your personal information, including:
   - Access: to request access to the personal information we hold about you.
   - Correction: to request correction of inaccurate or incomplete information.
   - Deletion: to request deletion of your information under certain conditions.
   - Objection: to object to the processing of your data for certain purposes, such as direct marketing.
   - Withdrawal of Consent: where we rely on your consent, you have the right to withdraw it at any time.
   To exercise these rights, please contact us using the information provided in Section 11.
    

9. Cookies and Tracking Technologies
   We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us remember your preferences and analyze website performance. By using our website, you consent to our use of cookies as described in our [Cookie Policy]. You may disable cookies through your browser settings; however, doing so may limit your access to certain features of the website.
    

10. Changes to This Privacy Policy
    We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Updates will be posted on this page, and the “Effective Date” will be updated accordingly. We recommend reviewing this Privacy Policy regularly.
     

11. Contact Us
    If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us at:
    Mono Acceptances (Pty) Ltd (2022/692928/070)
    Shere Grace 7
    Shere AH
    Pretoria 0084
    https://mono.insure
    contact@mono.insure
    010 595 3899
     

12. Complaints
    If you believe we have infringed on your privacy rights, you have the right to lodge a complaint with the Information Regulator of South Africa:
    Information Regulator
    33 Hoofd Street, Forum III, 3rd Floor
    Braampark, Braamfontein
    Johannesburg, South Africa
    Email: complaints.IR@justice.gov.za

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Updated: 13 March 2025, © MONO.insure Brokers (Pty) Ltd