PRIVACY POLICY
BY ACCESSING AND USING THIS WEBSITE, THE USER CONSENTS TO THE PROCESSING OF THEIR PERSONAL INFORMATION BY OLD MUTUAL WARRANTY ON THE BASIS SET OUT IN THIS PRIVACY POLICY. IF THE USER DOES NOT CONSENT, THE USER MUST IMMEDIATELY STOP ACCESSING AND/OR USING THIS WEBSITE.
Introduction
Old Mutual Warranty collects, uses and, in some circumstances, shares the personal information of Users in and through this website.
Old Mutual Warranty expects the rights of Users whose personal information is collected and used by it, including their right to protection against the unlawful collection, retention, sharing and use of such personal information.
The purpose of this Privacy Policy is to provide Users with information about the information processing activities of Old Mutual Warranty and the manner in which their rights are protected.
This Privacy Policy shall serve as a blanket notification to Users about Old Mutual Warranty ’s processing activities which will remain valid for as long as one has an active account with Old Mutual Warranty. Users will not be notified separately on each occasion that Old Mutual Warranty processes the same personal information in the same way over the period.
Old Mutual Warranty may amend the provisions of this Privacy Policy to comply with any changes in the law, and/or pursuant to any changes to its information processing activities or privacy practices. Such amendments will be published on the website and will become operable from the date of such publication.
This Privacy Policy, and the interpretation and enforcement thereof, will be governed by the laws of the Republic of South Africa.
The provisions of this Privacy Policy must, as far as possible, be incorporated into the agreement between Old Mutual Warranty and Users.
Definitions and interpretation
In this Privacy Policy, the following words bear the following meanings:
“website” means the Old Mutual Warranty application software or any part thereof;
‘’consent’’ means any voluntary, specific and informed expression of will in terms of which permission is given by or on behalf of a User for the processing of their personal information;
‘‘direct marketing’’ means to approach a data subject, either in person or by mail or electronic communication, for the direct or indirect purpose of promoting or offering to supply any goods or services to the data subject;
‘’information officer’’ means the person registered as such by Old Mutual Warranty with the Regulator from time to time;
‘‘operator’’ means an outside third party who processes personal information for or on behalf of Old Mutual Warranty in terms of a contract or mandate;
‘’personal information’’ means any information linked to a User or information that can identify a User, including but not limited to:
information relating to a User’s gender, nationality, ethnic or social origin age, language, financial status and creditworthiness;
a User’s identity number, e-mail address, physical address, telephone number, location information or online identifier;
a User’s personal opinions, views or preferences;
correspondence sent by a User which is of a private or confidential nature; and
the User’s name if it appears with other personal information relating to that User, or if the disclosure of their name on its own would reveal further personal information about that User;
‘’POPI’’ means the Protection of Personal Information Act 4 of 2013, including any regulations or codes of conduct promulgated under it;
‘’PROATIA’’ means the Promotion of Access to Information Act 2 of 2000;
‘’process or processing’’ means, in relation to personal information, any operation or activity or any set of operations, whether or not by automatic means, including:
the collection, receipt, recording, organization, collation, storage, updating or modification, retrieval, alteration, consultation or use of that information;
dissemination by means of transmission, distribution or making available in any other form; or
merging, linking, as well as restriction, degradation, erasure or destruction of that information;
“Regulator” means the Information Regulator established in terms of POPI;
‘’User’’ means a visitor or user of this website, or any of the content or services associated with this website or the application; and
Any reference in this Privacy Policy to:
the singular includes the plural and vice versa;
any one gender includes the other genders, as the case may be;
an Act, Regulation or other law is to a South African Act, Regulation or other law, unless the context indicates otherwise, and to the version of that law in force in South Africa at the effective date of this Policy and includes any amendment or re-enactment made to that law after the effective date of this Policy.
When calculating any number 1of days for the purposes of this Policy, the first day must be excluded and the last day of the relevant interval included, unless the last day is not a business day, then the last day will be the next succeeding business day.
The word “include” means “include without limitation”. Use of the word ‘’include’’ or ‘’in particular’’ is for illustration or emphasis only and where followed by specific examples must not be interpreted as limiting the meaning of the general wording preceding it.
A requirement that any notice, request, demand or other communication made in terms of this Privacy Policy must be in writing will be met if it is in the form of a data message as defined in the Electronic Communications and Transactions Act, No. 25 of 2002, and is accessible in a manner usable for subsequent reference.
Responsible party
Old Mutual Warranty will be the party who will be collecting and processing a User’s personal information and as such is designated as the ‘’responsible party’’ for the purposes of this Policy.
Old Mutual Warranty ‘s contact details are as follows:
Email address: info@staysure.co.za
Old Mutual Warranty may instruct third party operators from time to time to undertake certain processing activities relating to the User’s personal information.
WHAT PERSONAL INFORMATION IS COLLECTED?
Old Mutual Warranty may collect the following personal information from the User:
- Name, surname;
- Phone number;
- ID number;
- Email address;
- Address;
Personal information specifically requested and required to perform Old Mutual Warranty ’s contractual obligations to the User or to comply with one or more of its obligations in law.
The supply of personal information by the User to Old Mutual Warranty is voluntary and not mandatory. However, if the User refuses to supply any personal information, certain consequences may naturally flow from such a refusal, such as preventing Old Mutual Warranty from concluding or performing any contract with the User, or preventing Old Mutual Warranty from complying with one or more of its obligations in law.
purpose/s for collection and processing of personal information
Old Mutual Warranty shall only collect a User’s personal information for a specific, explicitly defined and lawful purpose relating to a function or activity of Old Mutual Warranty ‘s business.
Such purposes may include the following:
to enter into a contract with a User;
to perform any obligations under a contract with a User;
to comply with a legal obligation;
to protect a legitimate interest of a User (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds);
to pursue its own legitimate interests or the legitimate interests of a third party who it is sharing the information with (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds);
to process personal information for direct marketing purposes (unless the User has opted out of receiving any direct marketing material);
to present content to the User in the most effective way for them and their viewing device and browser;
to customize and display content including, but not limited to products, services, articles, listings and advertisement to the User in a way that Old Mutual Warranty feels may interest the User or be most beneficial to them;
to send content including, but not limited to products, services, articles, listings and advertisement content to the User via email or other electronic media, where the User has consented to be contacted by Old Mutual Warranty with such content;
to enable the User to voluntarily participate in interactive features on the website;
to notify the User about changes to the website or Old Mutual Warranty ’s products, services or offerings.
If Old Mutual Warranty intends to process a User’s personal information for any other purpose not listed in clause 5.2 or which is otherwise not automatically permitted by law, it shall ensure that it obtains the User’s written consent to do so.
Old Mutual Warranty will not sell a User’s personal information to any third party without the prior written consent of the User.
Collection directly from user
Old Mutual Warranty shall, as far as possible, always collect personal information about a User directly from the User, except in the following circumstances:
Where personal information is collected from a public record, or from another source if the information has already been made public by the User;
where the User has given their written consent to Old Mutual Warranty to collect their information from another source;
where the collection of a User’s personal information from another source will not prejudice any of the User’s legitimate interests;
where the collection of personal information from another source is necessary to maintain Old Mutual Warranty’ legitimate interests or those of any third party it intends sharing the information with;
where the collection of personal information directly from the User would prejudice the purpose for the collection;
where the collection of personal information directly from the User is not reasonably practicable in the circumstances.
If Old Mutual Warranty collects personal information from a source other than the User, it shall record in writing the details of that source, including the full names and contact details of that source where applicable.
The User hereby consents to Old Mutual Warranty requesting and obtaining credit information pertaining to the User from any reputable credit reporting agency or institution for the purpose of concluding any transaction for the sale of goods or services to the User on this website.
Personal information may be collected from or supplied by the User in any of the following ways:
during the process of registering/signing up as a member/user on this website;
provided by the User as part of their profile pages on the website;
provided by the User when applying for or buying insurance cover on the website;
when subscribing to a service, entering into a competition or promotion, or participating in a survey offered on this website;
when submitting a claim on the website;
when posting a comment, review, reply or recommendation on this website;
when requesting further services or information from Old Mutual Warranty;
when contacting Old Mutual Warranty to report a problem with the website or for any other reason;
when completing any forms on the website.
The User may visit the website without providing any personal information. However, the website’s servers may still collect technical information regarding the use of the website, which is aggregated for analytical purposes, technical maintenance and for improving the content offered on the website. Such information may include details of the User’s visit, information about the User’s computer or viewing device, including IP (Internet Protocol) address, operating system and browser type, the User’s location, and usage information. An individual User will not be identified from or by this information and Old Mutual Warranty is entitled to copy, distribute or otherwise use such information without limitation.
Cookies
“Cookies” are small text files transferred by a webserver to a User’s hard drive and thereafter stored on their computer or viewing device. The types of information a Cookie collects includes a User’s username, the date and time of their visits to the website, their browsing history and preferences.
Old Mutual Warranty may use Cookies on this website to:
distinguish one User from another on the website;
remember the User’s last session when they return to the website;
estimate the website’s audience size and usage patterns;
store information about the User’s preferences, which allows Old Mutual Warranty to customize the website and content according to the Users individual preferences; and
speed up searches on the website.
The provisions of this clause are only applicable to Cookies used by Old Mutual Warranty. In some instances, third-party service providers may use Cookies on the website. Old Mutual Warranty cannot and does not control or access Cookies used by third party service providers and takes no responsibility therefor.
The User has the right and ability to either accept or decline the use of Cookies when accessing the website on their viewing device, whether they are logged in as a member/user, or simply casually visiting the website. However, declining the use of Cookies may limit a User’s access to certain features on the website.
GENERAL CONDITIONS FOR PROCESSING PERSONAL INFORMATION
Old Mutual Warranty shall comply with all laws, contracts or regulations when it processes a User’s personal information.
Old Mutual Warranty shall not act unreasonably when processing a User’s personal information. This means that it will collect and process a User’s personal information in a way that the User can reasonably expect and in a way that is fair.
Old Mutual Warranty shall respect the User’s right to privacy at all times. If there is another way in which it can achieve the same goal without posing any risk of harm to the privacy rights of the User, then it will choose that option.
Similarly, if Old Mutual Warranty needs to process personal information but there are less privacy-invasive methods of collecting, using and sharing that information, then it will use those methods.
Old Mutual Warranty shall ensure that the personal information that is collected and processed is and remains relevant to the identified purpose/s for such processing, and that such information is and remains adequate, but not excessive, for achieving the identified purpose/s.
If there are any alternative ways to achieve the identified purpose/s without processing personal information, Old Mutual Warranty shall not process that personal information.
Old Mutual Warranty shall ensure that the processing activities it chooses to apply are proportionate to achieving the identified purpose/s and that no less privacy invasive measures are available to achieve the same purpose/s.
Old Mutual Warranty shall ensure that, regardless of the stated purpose/s for processing personal information, the rights and interests of Users will not be unnecessarily prejudiced or infringed, unless it cannot be avoided, and then in such cases, it shall ensure that its own rights and/or interests justify such prejudice or infringement taking place.
Once Old Mutual Warranty has achieved the purpose for the collection of the User’s personal information, it will destroy or delete such information, unless the User has directed otherwise in writing, or Old Mutual Warranty is required by law to retain the information for a longer period of time.
If Old Mutual Warranty no longer needs to process personal information to achieve the purpose originally specified, it will stop using that information.
DISCLOSURE AND SHARING OF PERSONAL INFORMATION
Old Mutual Warranty may, in the course of providing any content or services on this website, or for the purposes of concluding or performing any sale or other transaction with a User, share certain personal information with third party operators who perform certain processing activities on behalf of Old Mutual Warranty.
The information shared and the categories of third-party operators, such as, without limitation, brokers, insurers and reinsurers with whom it is shared will always be notified on the website.
Old Mutual Warranty may also share aggregated information about Users of this website and their usage patterns. Old Mutual Warranty may also use such aggregated information to help advertisers target specific audiences. Such aggregated information will be de-identified, and the User’s personal information will not be disclosed.
Other than as stated in clause 9.1 and 9.3, Old Mutual Warranty shall not share a User’s personal information with any third parties unless it has the User’s express consent to do so.
USER’S RIGHTS IN RELATION TO THE PROCESSING OF THEIR PERSONAL INFORMATION
Users shall have the following rights in relation to the processing of their personal information:
to access and correct any personal information held by Old Mutual Warranty about them;
to object to the processing of their information; and
to lodge a complaint with the Regulator.
Users may make a request in terms of clause 10.1.1 by following the process for making such a request as set out in Old Mutual Warranty ’s PROATIA manual.
Further processing
Old Mutual Warranty shall not process a User’s personal information for any purpose not previously specified except in the following circumstances:
where the User has consented to such further processing;
where the further processing is necessary for the exercise of any contractual rights or the fulfillment of any obligations between Old Mutual Warranty and the User;
where the further processing activities are linked to or compatible with the original purpose;
where the further processing is necessary for the prevention, detection, investigation, prosecution and punishment of an offence;
where the further processing is necessary to enforce any law;
where the further processing is necessary for the conduct of legal proceedings in any court or tribunal that have commenced or are reasonably contemplated;
where the further processing is necessary to prevent or mitigate a serious and imminent threat to the life or health of the User or another individual;
where the further processing is necessary for historical, statistical or research purposes.
Old Mutual Warranty shall ensure that if it intends processing personal information for other purposes not previously specified, it shall notify the User of such further purposes and the possible consequences of the intended further processing for the User.
Accuracy, correctness and completeness of personal information
Old Mutual Warranty shall take reasonably practicable steps to ensure that the personal information kept by it about Users is complete, accurate, not misleading and is updated when necessary.
However, if a User is aware of any personal information in Old Mutual Warranty ’s custody that is incorrect, inaccurate or which needs to be updated, the User must make a written request to Old Mutual Warranty ’s information officer at info@oldmutualwarranty.co.za to update or correct the relevant information.
If a User has contested the accuracy of any personal information being used by Old Mutual Warranty, it shall immediately stop using that information until its accuracy has been verified.
Old Mutual Warranty reserves its right to only adhere to a request from a User in terms of clause 12.2 if the correction or updating of that information will result in the personal information being correct and accurate.
Where personal information that has been shared by Old Mutual Warranty with a third party is subsequently updated or corrected, Old Mutual Warranty shall ensure that all third parties, with whom that information was shared, receives the updated and/or corrected version of the information as soon as it has been updated and/or corrected.
SECURITY SAFEGUARDS
Old Mutual Warranty is committed to protecting the personal information in its custody against any loss of, damage to or unauthorized destruction of that information, and to prevent any unauthorized parties from accessing that information.
Old Mutual Warranty takes steps to continually identify and document any risks to the personal information it has in its possession or under its control and that appropriate security safeguards are in place against those risks.
Old Mutual Warranty shall ensure that in any contracts entered into with third party operators who process personal information on Old Mutual Warranty’ behalf, include the following obligations:
the operator shall not process any personal information without Old Mutual Warranty’ knowledge and authority;
the operator shall treat all personal information given to it as confidential and shall not disclose it to any unauthorized third parties;
the operator shall establish and maintain adequate security measures which are the same or offer similar protection over the personal information as that employed by Old Mutual Warranty;
the operator shall notify Old Mutual Warranty immediately where there are reasonable grounds to believe that any personal information has been leaked to or accessed by any unauthorized person;
if the operator is situated in another country, it must comply with the data protection laws in that country and be able to provide verification that it is so compliant;
if an operator is legally obliged to disclose any personal information processed by them on Old Mutual Warranty’ behalf to other parties, it must notify Old Mutual Warranty beforehand to enable Old Mutual Warranty and/or individual Users to protect their rights if necessary.
Users must maintain the secrecy of any passwords used to gain access to this website and should change such passwords regularly.
Old Mutual Warranty shall ensure that all personal information on its systems is properly backed-up and that back-up copies are stored separately from the live files.
NOTIFICATION OF BREACH OF SECURITY
If personal information about a User is inadvertently leaked or Old Mutual Warranty ’s security has been unlawfully breached by any unauthorized party, Old Mutual Warranty shall immediately identify the relevant Users who may be affected by the security breach, and shall contact them at their last known email address or contact details or by the quickest means possible.
Old Mutual Warranty shall provide sufficient information to the User to allow him or her to take the necessary protective measures against the potential consequences of the compromise or shall advise Users of the steps to be taken by them and the possible consequences that may ensue from the breach for them.
Decisions based on personal information processed
If Old Mutual Warranty is required to make a decision about a User using any personal information that has been obtained, it shall ensure that a record of such information and the decision made is kept for a reasonable period of time to give the User an opportunity to request access to that record.
Old Mutual Warranty shall allow a User a reasonable opportunity to make representations before any decision is made solely on the basis of the personal information processed, if that decision will affect the legal position of the User or will otherwise adversely affect them in some manner or form.
Old Mutual Warranty shall always ensure that the underlying logic behind any decision made pursuant to the automated processing of personal information is sound and that this underlying logic can be communicated to the User to enable them to make representations.
If Old Mutual Warranty has made a decision based on incorrect personal information, it shall immediately revisit that decision as soon as it receives notice or becomes aware of the error or inaccuracy of that information.
Linked third party websites
This website may contain links or references to other websites, including those of advertisers (“third party websites “) which are not under Old Mutual Warranty ’s control.
The provisions of this Privacy Policy are not applicable to third party websites or websites and Old Mutual Warranty shall not responsible for the information processing practices and/or privacy policies of those third-party websites, websites or the cookies that those websites or websites may use.
DIRECT MARKETING
The User hereby consents to the processing of their personal information for the purpose of direct marketing by means of electronic communications including automatic calling machines, facsimile machines, SMS’s or electronic mail.
Where a User is a pre-existing customer of Old Mutual Warranty, Old Mutual Warranty shall be entitled, without the User’s consent, to sending electronic communications to the User for the purpose of marketing similar products or services offered by Old Mutual Warranty.
The User may object, free of charge, and without unnecessary formality, to the use of their details either when the information was first collected from them or when each subsequent electronic communication is sent to them by Old Mutual Warranty.
The User can opt out of receiving further marketing communications by un-checking certain boxes on the forms used on the website to collect their personal information, or by contacting Old Mutual Warranty at info@staysure.co.za.
Children’s personal information
Old Mutual Warranty shall not process any personal information relating to a person under the age of 18 years unless it has obtained consent from that person’s parent or legal guardian. If this website is being accessed by the parent or guardian of a child under the age of 18 years, and personal information pertaining to that child is being provided by the parent or guardian, then they hereby expressly consent to Old Mutual Warranty processing such information according to the further provisions of this Privacy Policy.
Cross border Transfers of personal information
Old Mutual Warranty may transfer personal information to another country in the following circumstances:
the transfer is necessary for the performance of a contract that Old Mutual Warranty has with the User;
the transfer is necessary for the conclusion or performance of a contract with a third party which is for the benefit of or in the interest of the User;
the transfer is otherwise for the benefit of the User; or
the User has consented to the transfer of their information.
If Old Mutual Warranty is required to transfer personal information from South Africa to a third party in a foreign country, it shall ensure that the third party is subject to a law, binding code of conduct or contract which effectively upholds principles for the reasonable processing of personal information which are substantially similar to the data protection offered in the Republic of South Africa.
Retention of information
Old Mutual Warranty will keep a record of any personal information collected for no longer than is necessary to achieve the specific purpose for which it collected such information in the first place unless:
It is required by law to keep a record of such information for a longer period of time; or
It needs to keep a record of such information for another lawful purpose; or
It has a contractual obligation to keep a record of such information; or
The User has consented to their information being kept for a longer period.
Old Mutual Warranty may, if it has de-identified personal information, kept such information for historical, statistical or research purposes. Old Mutual Warranty shall ensure that appropriate safeguards are in place to prevent those records from being used for any other purposes, or against the information being re-identified.
Returning, destroying or deleting personal information
Where Old Mutual Warranty is no longer authorized to retain a record of any personal information, it shall either:
ensure that the information is permanently destroyed or deleted as soon as reasonably practicable; or
return the information to the User or transfer it to a third party, if requested by the User in writing to do so.
Consent
The User hereby consents to the processing of their personal information in terms of the provisions of this Privacy Policy.
The User acknowledges and agrees that such consent has been given voluntarily after the User has read and understood the provisions of this Privacy Policy, in particular, regarding the following:
the types of personal information to be processed;
the specific processing activities to be undertaken;
the specific purpose/s for such processing; and
the possible consequences for the User that may arise from such processing.
Should a User wish to withdraw any consent previously given by the User, they must notify Old Mutual Warranty ’s information officer in writing.
LODGING AN OBJECTION
A User may, on reasonable grounds, object to the processing of their personal information at any time after that processing has started.
If a User wishes to object to the processing of their personal information, they must send written notice of their objection to Old Mutual Warranty ’s information officer, together with their reasons for doing so.
Choice of Law
This Privacy Policy shall be governed and interpreted in accordance with the laws of the Republic of South Africa and the User agrees to submit to the exclusive jurisdiction of the courts of the Republic South Africa.
AMENDMENT OF THIS PRIVACY POLICY
Old Mutual Warranty reserves the right to change, update, add, remove and/or amend any of the provisions of this Privacy Policy from time to time. Such changes, updates, additions, removals or amendments will become effective from the date of their publication on this website.
It is the User’s obligation to periodically check the provisions of this Privacy Policy for any such changes, updates, additions, removals or amendments.
The User’s continued use of this website following any changes, updates, additions, removals or amendments to this Privacy Policy will be considered notice of the User’s acceptance to abide by and be bound by this Privacy Policy, as amended.
Contact
For more information on your rights to privacy over your information, or the information processing activities of Old Mutual Warranty, please do not hesitate to contact us directly on info@oldmutualwarranty.co.za
Date of last update: 01.09.2020
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Old Mutual Warranty Policy
