Purpose

To provide a plain-language external notice explaining how JB processes personal information and how data subjects may exercise their rights.

Scope

This document applies to the FSP, its directors, key individuals, representatives, persons rendering clerical or administrative services, employees, contractors, introducers, outsourced service providers and any other person acting for or on behalf of the FSP, to the extent relevant to their role.

Regulatory basis

• Protection of Personal Information Act 4 of 2013 (POPIA)
• Promotion of Access to Information Act 2 of 2000 (PAIA)
• Electronic Communications and Transactions Act 25 of 2002
• Cybercrimes Act 19 of 2020

The legal register must be reviewed at least annually and whenever a relevant law, conduct standard, directive, exemption, guidance note or licence condition changes.

Who we are

JB Risk Management Consultants (Pty) Ltd is a South African private company and authorised financial services provider. Our verified company registration number, FSP number, business address and contact information will appear in the published version of this policy.

Information we process

• Identity, contact and relationship information.
• Financial, employment, risk-profile, product and transaction information.
• Health or other special personal information where required for a product or lawful service.
• Records of advice, quotations, applications, instructions, calls, emails and complaints.
• Website, device, security and communication information where used.
• Employee, representative, introducer, supplier and beneficial-ownership information.

Why we process information

• Respond to enquiries and provide quotations, advice and intermediary services.
• Assess suitability, complete applications and service client relationships.
• Meet FAIS, FICA, tax, accounting, complaints, recordkeeping and regulatory obligations.
• Prevent fraud, protect systems and investigate incidents.
• Manage contracts, employment, suppliers, referrals and business operations.
• Send lawful marketing and manage preferences.
• Establish, exercise or defend legal rights.

Sources and sharing

Information may come from the data subject, authorised representatives, introducers, product suppliers, public or regulatory sources, identity/verification providers and service providers. We share only what is reasonably necessary with product suppliers, insurers, investment platforms, administrators, compliance providers, accountants including K Manson, Microsoft 365/FSP Solutions and other approved operators, regulators, ombud schemes, courts or law-enforcement bodies where lawful.

Security, retention and cross-border processing

We use reasonable technical and organisational safeguards, including access control, MFA, secure systems, confidentiality, monitoring and incident response. We retain records for legal, contractual and legitimate business periods and securely destroy or de-identify them thereafter. Where information is processed outside South Africa, we apply the safeguards required by POPIA.

Your rights

• Ask whether we hold personal information and request access through the applicable process.
• Request correction or deletion where the legal requirements are met.
• Object to certain processing and withdraw consent where consent is used.
• Opt out of direct marketing.
• Complain to our Information Officer or the Information Regulator.

Contact and complaints

• Information Officer: [Insert registered name]
• Email: [Insert dedicated privacy email]
• Telephone: +27 83 521 8317
• Physical address: 10 Jim Fouche Avenue, Plattekloof 1, 7500
• Information Regulator: Verify and insert current official complaint channel before publication

Cookies and online services

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