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Privacy Policy

The source of collection of your personal information:

We collect personal information directly 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 from you through the completion of application forms and regulatory compliance forms. 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.

Law authorising or requiring collecting of the 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;
Long-Term Insurance Act 52 of 1998;
Medical Schemes Act

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:

Complying with the obligations contained in the contract concluded between yourself and the FSP
Providing you with advice, products and services that suit your needs as requested
To verify your identity and to conduct credit reference searches
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
To comply with any legal and regulatory requirements

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, qualifications, past employment, residency status, your investments, assets, liabilities, insurance, income, expenditure, family history, medical information 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 provide advice, 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:
Your employer (where applicable);
The Compliance Officer of the organisation (where applicable);
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;
If you have entered into a Short-Term Insurance: Commercial Lines Policy, Short-Term Insurance: Personal Lines Policy, Long-Term Insurance Policy, Pension Fund, Short-Term and Long-Term Deposits Products, Investments and Health Services Benefits. the Organisation may share your information as part of its statutory and reporting obligations with:
- Liberty and Stanlib
- Discovery
- Momentum
- Allan Gray
- Sanlam
- Old Mutual
- Investec/Ninety-One Asset Management
- Astute Health Squared
- Ambledown
- Unity Health
- KeyHealth
- Agility

The Transfer of your personal information outside of the Republic of South Africa

Your information may be hosted on servers managed by a third-party service provider, which may be located outside of South Africa. The third-party service providers are located in:

Hong Kong
We confirm that the level of protection afforded to your personal information by that third country or international organisation is equal to the protection afforded by the POPI Act.

Complaints and objectionsAs 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 (please complete Annexure A);
Request that we consider your objections to the processing of your personal information (please complete Annexure B);
Lodge a complaint with the Information Regulator (please complete Annexure B).

The Information Regulator
If your personal information has not been processed in accordance with the POPI Act and the principles set out above, you have the right to lodge a complaint with 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: Adv Pansy Tlakula
Physical Address: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001
Email: complaints.IR@justice.gov.za
Website: https://www.justice.gov.za/inforeg/index.html

Changes to the privacy statement and your duty to inform us of changes

We may modify or amend this policy statement from time to time. We will notify you appropriately when we make changes to this privacy statement. We do however encourage you to review this statement periodically to be always informed about how we are processing and protecting your personal information.
This version was last updated on 25th April 2023 and historic versions can be obtained by contacting us.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Marketing

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

Promotional Offers from Us

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You may receive marketing communications from us if you have requested information from us or purchased services or products from us or if you provided us with your details when you entered a competition or registered for a promotion and, in each case, you have not opted out of receiving that marketing.

Opting Out

You can ask us to stop sending you marketing messages at any time by Contacting us at any time.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase, warranty registration, product/service experience or other transactions.

Cookies

Privacy Statement: How we use Cookies: Cookies are very small text files that are stored on your computer when you visit some websites. We use cookies to help identify your computer so we can tailor your user experience, track shopping basket contents and remember where you are in the order process. You can disable any cookies already stored on your computer, but these may stop our website from functioning properly.

For more information about the cookies we use, please see our Cookie Policy.

Please confirm that you agree to our privacy policy

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Terms and Conditions

By accessing any of Austen Morris Associates’ websites and mobile application, you agree to be bound by the following terms and conditions (“Terms”).

Revisions

We may modify or amend the Terms of Use from time to time. Any modifications to this Terms of Use Policy will be effective upon our posting the modified version. In all cases, your use of our services after the effective date of any modified Terms of Use Policy indicates your acknowledging that the modified Terms of Use Policy applies to your interactions with the services and our business. We do however encourage you to review our Terms of Use Policy periodically.
This version was last updated on 25th May 2024 and historic versions can be obtained by contacting us.

Other Agreements

If you are a client of Austen Morris Associates, your customer relationship with Austen Morris Associates is also governed by other agreements, including, without limitation, your individual account agreements. Austen Morris Associates may also offer other services from time-to-time that are governed by different or additional terms and conditions. Austen Morris Associates’ services are also subject to any disclosures, disclaimers, and consents associated with the services.

No Investment Advice or Recommendations

The Austen Morris Associates websites and mobile application and its content are provided for information and education purposes only. None of the information provided through the Austen Morris Associates websites and mobile applications constitutes investment advice, and the views expressed should not be taken as advice to buy or sell any security. Decisions based on information provided through the Austen Morris Associates websites and mobile application are your sole responsibility and at your own risk. Austen Morris Associates is not responsible for losses incurred on any investment and does not guarantee the suitability or potential value of any particular investment. Nothing on the Austen Morris Associates websites or mobile application shall be considered a solicitation or offer to buy or sell any security, future, option or other financial instruments, or to offer or provide any investment, tax, financial or legal advice or service to any person in any jurisdiction. Any overviews provided through the Austen Morris Associates websites and mobile application are intended to be general in nature. While intended to be helpful, these overviews are no substitute for professional tax, financial or legal advice. Investors should seek professional advice for their particular situation. In exchange for using the Austen Morris Associates websites and mobile application, you agree not to hold Austen Morris Associates or any third-party provider liable for any possible claim for damages arising from any decision you make based on information made available to you through the Austen Morris Associates websites or mobile application.

Information and Requirements

When you become a client of Austen Morris Associates, you agree to provide true, accurate, current and complete information. You also agree not to impersonate any person or entity, misrepresent any affiliation with another person, entity or association, use false e-mail or other headers, or otherwise conceal your identity from Austen Morris Associates for any purpose.

Copyrights, Restrictions on Use of Materials

The contents of the Austen Morris Associates websites and mobile application are protected by copyright, trademark, and other proprietary rights laws. Austen Morris Associates owns or otherwise has the right to use all content on the Austen Morris Associates websites and mobile application. All trademarks, service marks, and trade names displayed on the Austen Morris Associates websites and mobile applications are proprietary to Austen Morris Associates, except those clearly identified with other persons, which are the property of their respective owners.
You may not:

use the Austen Morris Associates websites or mobile application to transmit, copy, reproduce, republish, upload, post, transmit, e-mail, or distribute in any way material or content that infringes any copyright or other right of any party or that violates these Terms and Conditions;
without Austen Morris Associates’ express written permission, copy, modify, distribute, or display Austen Morris Associates’ name or logo, or any text, graphic images, or other content from the Austen Morris Associates web site or redeliver such content using framing or similar technology;
use any device designed to provide repeated automated access to any Austen Morris Associates websites or mobile application other than those made generally available by Austen Morris Associates;
include Austen Morris Associates, the name of any Austen Morris Associates personnel, or any variation thereof as a metatag, hidden textual element, or any other indicator that may create a false or misleading impression of affiliation, sponsorship, or endorsement between any user or website and Austen Morris Associates;
collect or store personal data about other users of the Austen Morris Associates websites or mobile application;
upload, e-mail or otherwise transmit to Austen Morris Associates or through the Austen Morris Associates websites, mobile application or any Austen Morris Associates computer network
1. any advertising, promotional, or other unauthorised communication, including without limitation, “junk mail,” surveys,” unsolicited e-mail, “spam, “chain letters,” or “pyramid schemes,” or
2. any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software or hardware of file communications equipment that is owned, leased or used by Austen Morris Associates or any third party;
create a link to any Austen Morris Associates websites or mobile application without Austen Morris Associates’ express written permission.

You agree that Austen Morris Associates may, in its sole discretion and for any reason, terminate, modify, or suspend part or all of your access to, and any service provided through, the Austen Morris Associates websites or mobile application and delete any content transmitted to or through the Austen Morris Associates websites or mobile application at any time with or without prior notice and without liability to you or any third party.

Interactive Tools

The calculators and asset allocation planners on this site or mobile application are provided and maintained by Austen Morris Associates. These tools are designed to give you a point of reference when considering your own unique situation based on the information you provided to us and one of the many combinations of investments that may be appropriate for your situation. These tools may also provide limited financial forecasts, fund suggestions, and asset allocation suggestions, based on personal information you enter or selections that you make. These suggestions should not be considered investment advice or serve as the sole or primary basis for making investment decisions. Rather, they should be considered together with all other information you deem important in making your investment decisions. As time passes, or your financial situation changes, you must enter new information into the applicable financial tool to see how its suggestions change. Austen Morris Associates assumes no responsibility for reviewing your financial situation or for updating the suggestions made via these interactive calculators. The tax and legal information offered here is a summary of our understanding and interpretation of the current income tax regulations and is not exhaustive. Investors should consult their tax Adviser for advice and information concerning their particular situation.

Third-Party Content

Austen Morris Associates is in no way responsible for the content of any website or mobile application owned by a third party that may be linked to any Austen Morris Associates website or mobile application via hyperlink, whether such hyperlink is provided by Austen Morris Associates or by a third party. No judgement or warranty is made related to, and Austen Morris Associates takes no responsibility for, the accuracy, timeliness, or suitability of the content of any web site to which Austen Morris Associates may link, including information on the web site regarding Austen Morris Associates. By providing access to other websites, Austen Morris Associates is not recommending the purchase or sale of the stock issued by any company, nor is it endorsing services provided by any website’s sponsoring organisation. Austen Morris Associates also is not responsible for any content, including, without limitation, market data and information, appearing on any Austen Morris Associates web site where such content is provided by a third party. Third-party content is provided for information and education purposes only. Austen Morris Associates does not guarantee, and will not be liable for, the accuracy, results, completeness, correct sequencing, timeliness, delays, interruptions, or results of third-party content and is not obligated to update such content.

Monitoring of Websites and Mobile Application

Austen Morris Associates reserves the right but is not obligated, to monitor your use of the Austen Morris Associates websites and mobile application and any communications made by you related to such use. Austen Morris Associates assumes no liability related to its monitoring activities.

Indemnification

You hereby agree to indemnify and hold harmless Austen Morris Associates and its directors, officers, employees, vendors, contractors, licensors and agents, and any third party information or service provider, from and against any and all claims, losses, liabilities, damages, costs and expenses, including, without limitation, reasonable attorneys’ fees and costs, arising out of or related to your

breach of these Terms,
violation of any person’s or entity’s rights, including, without limitation, copyright, patent, trade secret, trademark, or other proprietary rights, or publicity, contract, moral, or privacy rights,
violation of any applicable law, rule or regulation, or
negligence, recklessness, or wilful act or omission.

Term and Termination

Either party may terminate these Terms at any time. Termination of these Terms shall not affect your legal obligations under any other agreement you have entered into with Austen Morris Associates. Without limiting any other provision in these Terms, Austen Morris Associates may also terminate these Terms and your right to use the Austen Morris Associates websites, Mobile Application and Austen Morris Associates services immediately without notice if, in Austen Morris Associates’ sole discretion, you fail to comply with any term or provision of these Terms. Upon termination, you must destroy all materials obtained from this or any Austen Morris Associates websites, Mobile Application and all copies of those materials (except for any customer-account-related materials), whether or not they were made under these Terms.

Integration and Severability

If any provision of these Terms is deemed unlawful, void, or for any reason is unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

Disclaimers

TO THE EXTENT PERMITTED BY APPLICABLE LAW, ALL INFORMATION AND CONTENT OF THE AUSTEN MORRIS ASSOCIATES WEBSITES AND MOBILE APPLICATION IS FURNISHED “AS IS” AND “AS AVAILABLE” WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. AUSTEN MORRIS ASSOCIATES ALSO WILL NOT BE RESPONSIBLE FOR ANY AUSTEN MORRIS ASSOCIATES WEBSITES OR MOBILE APPLICATION RESPONSE TIME (THIS MAY BE DELAYED BY MARKET VOLATILITY, VOLUME, SYSTEM CAPACITY, OR OTHERWISE DELAYED) OR THE PERFORMANCE OF THE INTERNET).

Limitation of Liability

IN NO EVENT WILL AUSTEN MORRIS ASSOCIATES BE LIABLE FOR ANY DAMAGES THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS, CONTENT, OR SERVICES CONTAINED ON THE AUSTEN MORRIS ASSOCIATES WEBSITES OR MOBILE APPLICATION, EVEN IF AUSTEN MORRIS ASSOCIATES OR AN AUSTEN MORRIS ASSOCIATES-AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY PERFORMANCE, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATIONS LINE FAILURE, THEFT, OR DESTRUCTION OR UNAUTHORISED ACCESS TO, ALTERATION OF, OR USE OF INFORMATION, RELATED TO YOUR USE OF, OR THE INABILITY TO USE, THE MATERIALS, CONTENT, OR SERVICES CONTAINED ON THE AUSTEN MORRIS ASSOCIATES WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOUR, NEGLIGENCE, OR OTHERWISE. IN NO EVENT SHALL AUSTEN MORRIS ASSOCIATES’ TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, RELATED TO THESE TERMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE APPLICABLE AUSTEN MORRIS ASSOCIATES WEBSITES OR MOBILE APPLICATION.

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Terms and Conditions

Revisions

Other Agreements

No Investment Advice or Recommendations

Information and Requirements

Copyrights, Restrictions on Use of Materials

Interactive Tools

Third-Party Content

Monitoring of Websites and Mobile Application

Indemnification

Term and Termination

Integration and Severability

Disclaimers

Limitation of Liability

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Terms of Use

Privacy Policy

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