Customer Privacy Notice & Consent
We respect the privacy of everyone who visits this website. As a result we would like to inform you regarding the way we would use your Personal Information. We recommend you to read this Customer Privacy Notice & Consent so that you understand our approach towards the use of your Personal Information. By submitting your Personal Information to us, you will be treated as having given your permission – where necessary and appropriate – for disclosures referred to in this policy. By using this web site, you acknowledge that you have reviewed the terms of this Customer Privacy Notice & Consent to Use of Personal Information (the “Customer Privacy Notice & Consent”) and agree that we may collect, use and transfer your Personal Information in accordance therewith.
If you do not agree with these terms, you may choose not to use our site, and please do not provide any Personal Information through this site. This forms part of our Site Terms and Conditions of Use and such shall be governed by and construed in accordance with the laws of South Africa. This Notice explains how we obtain, use and disclose your personal information, as is required by the Protection of Personal Information Act, 2013 (POPI Act). At Multilink Finansiële Dienste we are committed to protecting your privacy and to ensure that your Personal Information is collected and used properly, lawfully and openly.
Multilink Finansiële Dienste [Pty] Ltd
Client Privacy Notice & Consent
Contents
1. Introduction
2. Who we are
3. The information we collect
4. How we use your information
5. Disclosure of information
6. Information security
7. Access to your personal information
8. Correction of your personal information
9. Definition of personal information
10. Changes to this notice
11. How to contact us
Introduction
We respect the privacy of everyone who visits this website. As a result we would like to inform you regarding the way we would use your personal information. We recommend you to read this Client Privacy Notice & Consent so that you understand our approach towards the use of your personal information. By submitting your personal information to us, you will be treated as having given your permission- where necessary and appropriate- for disclosures referred to in this policy. By using this website you acknowledge that you have reviewed the terms of this Client Privacy Notice & Consent to use personal information and agree that we may collect, use and transfer your personal information in accordance therewith.
If you do not agree with these terms, you may choose not to use our site, and please do not provide any personal information through this site. This Client Privacy Notice and consent forms part of our Site Terms and Conditions of use and such shall be governed by and construed in accordance with the laws of South Africa. This notice explains how we obtain, use and disclose your personal information, as is required by the Protection of Personal Information Act, 2013 [POPI Act]. At Multilink Finansiële Dienste [Pty] Ltd we are committed to protecting your privacy and ensure that your personal information is collected and used properly, lawfully and openly.
Who we are
Multilink Finansiële Dienste is a brokerage specializing in medical aid, investments, short term insurance and life insurance.
The information we collect
We collect and process your personal information mainly to provide you with access to our services, to help us improve our offerings to you and for certain other purposes explained below. The type of information we collect will depend on the purpose for which it is collected and used. We will only collect information that we need for that purpose.
We collect information directly from you where you provide us with our personal details. Where possible, we will inform you what information you are required to provide to us and what information is optional.
Examples of information we collect from you are:
Ø Name
Ø Address
Ø Email address
Ø ID Number
Ø Contact details
We also collect information about you from other sources as explained below.
With your consent we may also supplement the information that you provide to us with information we receive form other service providers [for example Astute]
How we use your information
We will use your personal information only for the purposes for which it was collected or agreed with you, for example:
· To carry out our obligations arising from any contracts entered into between you and us
· To notify you about changes to your service products.
· To respond to your queries and comments.
· Suggest services and products we think you might be interested in.
Disclosure of personal information
We may disclose your personal information to our service providers who are involved in the delivery of products and services to you. We have agreements in place to ensure that they comply with these privacy terms.
Personal Information Security
We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorized access and use of personal information. We will, on an on- going basis, continue to review our security controls and related processes to ensure that your personal information is secure.
Our security policies and procedures cover:
Ø Physical security
Ø Computer and network security
Ø Access to personal information
Ø Secure communications
Ø Retention and disposal of information
Ø Acceptable usage of personal information
Ø Governance and regulatory issues
Ø Monitoring access and usage of private information
Ø Investigating and reacting to security incidents.
We will ensure that anyone to whom we pass your personal information agrees to treat your information with the same level of protection as we are obliged to.
Access to your personal information
You have the right to request a copy of the personal information we hold about you. To do this you can contact us and specify what information you would like. We will take all reasonable steps to confirm your identity before providing details of your personal information.
Please note that any such access request may be subject to a payment of a legally allowable fee, as laid down in the POPI Act.
Correction of your personal information
You have the right to ask to update, correct or delete your personal information. We will take all reasonable steps to confirm your identity before making changes to personal information we may hold about you. We would appreciate it if you would take the necessary steps to keep your personal information accurate and up to date by notifying us of any changes we need to be aware of.
Definition of personal information
According to the POPI Act “personal information” means information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person. The purpose of Act to is protect personal information, to strike a balance between the right to privacy and the need for the free flow of, and access to information, and to regulate how personal information is processed.The complete POPI Act can be found at the following link: www.gov.za/documents/dowload.php?f=204368
Summary of the PAIA Act
The Promotion of Access to Information Act 2 of 2000 (commonly known as PAIA) is South Africa’s access to information law and it enables people to gain access to information held by both public and private bodies. All organisations in South Africa must comply with it. In terms of the Promotion of Access to Information Act, all private bodies (entities mentioned above as defined in PAIA) and public bodies (mainly state departments and state administrations as defined in PAIA) must give access to their records, if someone requests a record in terms of PAIA. Please follow the link below for the complete PAIA Act
Summary of the FAIS Act
The Financial Advisory and Intermediary Services Act (37 of 2002) affects the way in which a Financial services provider (FSP) conducts business and interacts with Consumers, and guides Consumers in their daily dealings with their chosen product provider. The Financial Advisory and Intermediary Services Act (37 of 2002) regulates the activities of all financial services providers (FSP) who give advice or provide intermediary services to Consumers of certain financial products. The Financial Advisory and Intermediary Services (FAIS) Act requires that FSPs be licensed and crates a professional code of conduct with specific enforcement measures. All FSP’s must ensure that they comply with the legislation, and with certain specific fit and proper requirements as stipulated in the act.
For the complete version of the act, please follow the link: https://www.banking.org.za/consumer-information/legislation/financial-advisory-and-intermediary-services-act
Changes to this notice
Please note that we may amend this notice from time to time. Please check the website periodically to inform yourself of any changes.
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