Intersure Group want to help you maintain your privacy on the Interne as such Intersure Group has  adopted a Privacy Policy as part of the business and operations of the company. Intersure Group is committed to protecting the personal information of any individual or juristic person and will always ensure that personal information is processed fairly, lawfully and correctly, and within the scope of applicable regulations. Intersure Group has formulated this Privacy Policy to explain how Intersure Group collects Data and for what purposes.

The objective of Intersure Group’s privacy policy is to affiliate and to comply with the regulatory and legislative requirements of Protecting Personal Information Act (POPIA) or (POPI Act). This policy applies to all Individuals and registered entities who had/has interactions or shared any Personal Information with Intersure Group at any time. In this agreement unless it appears to the contrary, the singular shall include the plural and visa versa, any reference to any gender shall also includes the opposite gender and any reference to a natural person, shall include legal person and visa versa.

Collecting Storing & Processing of Personal Information

Intersure Group will obtain your consent to collect and process Personal Information when using our services on the website or verbally when speaking to one of our consultants as set out below:

• - in accordance with applicable laws;
• - when you request a product or service from us.

Information collected by Intersure Group is stored in a secure operating environment that is not available to the public.

If a User does not wish to submit any personal identifying information, the User should not submit any information within submission form fields on Intersure Group’s website.

Intersure Group does not have any motive or intention to gather contact Data of visitors who are under the age of 13 and would prefer that parental Data be supplied instead on behalf of a child under the age of 13.

Intersure Group uses cookie technology. Cookie technology consists of trace elements of data that is stored on the User’s computer’s hard drive and which contains information about the User, so that next time the User visits Intersure Group’s website the Cookie recognises the User’s prior visit.

The information obtained will have relevance to your risk and insurance portfolio and will be processed for the following reasons:

• - To analyse your risk portfolio to enable Intersure Group to provide you with a more efficient insurance experience
• - To provide you with quotations on financial products and service
• - To verify your identity
• - To manage your insurance portfolio
• - To process insurance claims on your behalf
• - To market new products that may ensure better risk coverage
• - To ensure your details are always up to date
• - To comply with all legal and regulatory obligations

How does Intersure Group Process Personal Information

It is necessitated that Personal Information is processed by Intersure Group in order to fulfil our obligations. Intersure Group personnel, with the required security levels, will be accountable to securely process your Personal Information in the following manners, including but not limited to collecting, recording, storing, updating and sharing with third parties. All precautionary measures have been implemented to ensure that Personal Information is kept save throughout this process.

How is your Personal Information Recorded & Stored by Intersure Group

Personal Information captured by Intersure Group is stored in a secure operating environment that is not available to the public in any form. Intersure Group stores personal information on devices owned by Intersure Group, insurers systems, voice recording systems, financial systems, secure on site and cloud based servers as well as hard copy storage facilities that comply with POPI security requirements.

Sharing personal information

In order for Intersure Group to fulfil our commitment, due diligence and responsibilities to you, fromtime to time it will be required to share your personal information with a third party which will only be done upon receiving your consent to do so with a representative of Intersure Group of via our terms and conditions on the Intersure Group’s website. Intersure Group will also request your consent to share your Personal Information with our affiliates to ensure that you have access to the newest products on the market as well as additional risk coverage options that may suite your specific needs.

Third parties include but are not limited to:

• - Industry bodies
• - Regulatory bodies
• - Loss adjusters and 3rd party service providers
• - Premium collection agencies
• - Insurance Administrators
• - Intersure Group Affiliates
• - Insurance Companies
• - Reinsurance companies
• - Insurance Assessors
• - Intersure Group suppliers

Personal Information updating

Intersure Group will endeavour to keep our database with your personal information as up to date as possible, we may, in future, request to update your information through our secure portal or through our personnel. You are able to review or update any Personal Information that we hold at any time by emailing us at enquiries@Intersure.co.za or phoning us. Please note that in order to better protect you and safeguard your Personal Information, we take steps to verify your identity before granting you access to your account or making any corrections to your Personal Information.

No Selling

Intersure Group will never sell Personal Information to other organizations or entities. Personal Information will not be disclosed in any other way except as detailed in this Privacy Policy.

Marketing Consent

You will have the option to “Opt Out” from receiving any marketing material from Intersure Group and/or its affiliates. If you choose to “Opt-Out” you will, however, still receive important communication and other information from us regarding any administration requirements on your insurance portfolio as well as improvements on products and services. Updates on new products or services we offer will therefore not be communicated to you anymore, which could have a harmful  effect on your risk portfolio.

Limitations

Intersure Group has no control over information or privacy policies of 3rd party websites hyperlinked to from Intersure Group. These 3rd party links are being provided for the convenience of the Users of Intersure Group and Intersure Group does not endorse and is not responsible or liable for the content, nature or reliability of any linked website or any link contained in a linked website.

Intersure Group takes no responsibility for monitoring, updating, supplementing or correcting any information on any linked website and makes no representation or warranties regarding such information. Please be aware that in linking to these outside websites, Users are leaving Intersure Group and that Intersure Group is not responsible for the content of any other site.

What Personal Information Will Intersure Group collect

Personal Information Intersure Group collects and stores, including but not limited to:

• - certain information that we collect automatically when you visit our website;
• - certain information we request relating to your policy in order to provide you with insurance services;
• - certain information for the purpose of premium collection;
• - certain information regarding a loss or claim; But excludes;
• - information that has been made anonymous so that it does not identify a specific person;
• - permanently de-identified information that does not relate or cannot be traced back to you specifically;
• - non-personal statistical information collected and compiled by us; and
• - information that you have provided voluntarily in an open, public environment or forum including any blog, chat room, community, classifieds, or discussion board (because the information has been disclosed in a public forum, it is no longer confidential and does not constitute personal information subject to protection under this policy).

Typical examples of personal information

The following are typical examples of what personal information we collect and process:

• - If a User registers with Intersure Group by completing a submission form, including but not limited to a newsletter registration form, a claim form, a request for quotation form, an information enquiry form or a registration to gain access to a password protected zone, a User is not anonymous to Intersure Group.
• - identifying information – such as your name, date of birth, and identification number of any kind;
• - contact information – such as your phone numbers and email address;
• - address information – such as your physical and postal address; and
• - demographic information – such as your gender or marital status. Sensitive personal information

Depending on the services required, we may also collect sensitive personal information including your:

• - financial information – such as your bank account details and financial history;
• - sensitive demographic information – such as your race or ethnicity;

Cookie Policy

A cookie is a small data file made up of letters and numbers which is placed by a website on the device you use to access the Internet. Cookies serve different purposes, and may be tied to personal information. We use cookies to help deliver and improve our websites such as information about website usage and settings, as described below. How we use cookies is governed by this Privacy Policy.

Most web browsers allow some control over the placing of cookies on your device through your browser settings. We supports the “Do Not Track” setting provided by most web browsers, which allows you to opt-out of your online behavior being tracked while visiting our websites. Our system will place cookies on your device when you visit any page on our websites unless you have adjusted your browser settings to not accept cookies.

To find out more about cookies, including how to see what cookies have been set and how to block, manage, and delete them, please visit www.allaboutcookies.org/manage-cookies/.

Types of Cookies Used

Session Cookies

“User input cookies”, or session cookies, are used to keep track of a user’s input when submitting online data and allow users to be recognized from one page or selection to another. We also use session cookies to provide information you’ve requested through an action, such as clicking a button or filling out a web form. Session cookies always expire after the browsing session is over.

Persistent Cookies

Persistent cookies help websites remember your information, browsing history, and settings when you visit them in the future. This results in faster and more convenient access. Persistent cookies also help us personalize and improve your experience, which you can decide to opt-in to at anytime.

Persistent cookies stay in a folder on your device unless you delete them manually, or until they are automatically deleted based on the retention period of the cookie’s folder.

Acceptance of the Privacy Policy, Terms and Conditions

Acceptance of the Privacy Policy

By requesting Intersure Group to provide a service, albeit to provide a quotation, you have been deemed to have read this privacy policy in its entirety, understood it, accepted it and agreed to be bound by all the terms and conditions listed in the policy.

Changes

Intersure Group may ament or change the terms of this policy at any given time. Any changes or amendments to the privacy policy will be displayed in a prominent place on the website or by sending out official communication via email indicating the changes that was made. The updated terms will apply to you as you will have been to have read the amended changed in privacy policy, understood them, accepted them and agreed to be bound by all the terms and conditions listed in the policy as well as all the changes and amendments.

Obligations toward a third parties Personal Information

You may only send us your own Personal Information or the information of another data subject where you have their explicit and specific permission to do so.

Legal capacity

No person under the age of 18 years old may request any services or access our website to provide any details to Intersure Group

Changes to the holding Company

If in the unlikely event Intersure Group goes through a change in ownership, merger with another party, Intersure Group may transfer our rights to the Personal Information we possess to a replacement, purchaser, or separate entity. Intersure Group will disclose fully to all parties affected by such a transaction and you reserve the right to request that your information be deleted of all records until such a time as a new agreement is set in place.

Data security and protection

All necessary preventative procedures and processes have been set in place, by Intersure Group to make sure that any Personal Data collected and stored is done in line with all data protection laws. Onsite  servers as well as cloud hosted servers by 3rd party suppliers are in an secure environment with security measure, appropriate firewalls and other advanced data protection measures in place to prevent interference from outside intruders.

Data Storage outside South Africa

Intersure Group will not share any personal information across a country border without your prior written consent. Personal information may be stored on cloud based servers located outside the country in which it was collected. You consent to us processing your personal information in a foreign country whose laws regarding processing of personal information may be less stringent. In the event your information is shared with 3rd party providers outside of South Africa, Intersure Group will ensure the integrity of your data and ensure it is not disclosed to anyone else e3xcept for who it is intended.  

Incidents of Security Breach and Data Integrity Loss.
In the unlikely event that your information was obtained unlawfully, Intersure Group endeavours to notify you immediately of such an event and steps will be put in place to ensure the damage in the event is handled with urgency to minimize the loss. 

POPI enquiries

If you have any questions or concerns arising from this Privacy Policy or the way in which we handle personal information, please contact us on enquiries@Intersure.co.za

Disclaimer

Information on this website may contain technical errors or typographical errors. Information may be changed or updated without notice to any users of Intersure Groups services.

Information that Intersure Group  publishes on this website may contain references or cross-references to other products, programmes and services that are not announced or available in your country. Such references do not imply that Intersure Group intends to announce such products, programmes or services in your country. Consult an Intersure Group representative for information regarding the products, programmes and services which may be available to you.

When you access a non-Intersure Group website, please note that it is independent from Intersure Group, and that Intersure Group cannot control the content on such websites. In addition, a link to a non-Intersure Group  website does not mean that Intersure Group endorses or accepts any responsibility for the content, or the use, of such websites.

It is up to the individual visiting this website to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan Horses and other items of a destructive nature. In no event will Intersure Group be liable to any party or for any direct, indirect, special or other consequential damages due to the use of this website, or on any other hyperlinked website, including without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

Intersure Group provides the www.Intersure.co.za website as a service to the public. The information and content in this website are curated and published by Intersure Group, and are intended for general purposes only. While Intersure Group endeavours to keep the information up to date and correct, it makes no representations or warranties of any kind about the completeness, accuracy, reliability, suitability or availability, with respect to the website, content, views and opinions by authors, products, services, or related graphics contained on the website, for any purpose. Any reliance placed on such information is therefore strictly at the viewer’s own risk. Should you be aware of any unsuitable information or content, kindly inform us in writing at 120 Kayburn Avenue, Randpark Ridge, 2169.

In no event will Intersure Group be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Although the Intersure Group website may include links providing direct access to other Internet resources, including websites, social media accounts, applications, and documents, Intersure Group is not responsible for the accuracy of information or content contained on these websites and platforms. Intersure Group has no control over the nature, content and availability of the information and content on those sites, and the inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website fully functional, however, Intersure Group takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Prices quoted include VAT and are in South African Rand unless otherwise stated. Intersure Group and/or any of their employees, servants, agents or representatives do not accept any responsibility and/or any liability of any nature pursuant to any information contained here or the use of such information. This includes the provision of any products and/or services that may be provided by Intersure Group or by any third party, including but not limited to suppliers, companies, or any person or entity referred to in this document or on any website. Information given does not necessarily represent the views of Intersure Group and nothing contained herein shall in any way create any responsibility or liability by Intersure Group. Use of any referred third-party products and/or services shall be between the user and such third party and Intersure Group  make no representation and/or warranty of any nature as to the performance and/or compliance and/or whether such services or products or suppliers are fit for purpose.

Social Media Disclaimer

We are thrilled to have you as part of the Intersure Group Risk Facebook community. While we encourage and appreciate your opinions, input and feedback, we would like to make you aware of our community guidelines, to ensure that you can join the conversation without being insulted or unjustly offended. Content shared or published by users does not reflect the opinions of and is not necessarily endorsed by Intersure Group, its employees, representatives or its affiliates. Should you be aware of any unsuitable content, kindly inform us in writing at 120 Kayburn Avenue, Randpark Ridge, 2169.

Community guidelines

Intersure Group reserves the right to remove content or comments that:

• - Are likely to provoke, attack or offend people
• - Are racist, sexist, homophobic, sexually explicit, abusive or otherwise objectionable in Intersure Group ’ view
• - Contain swear words, or offensive and derogatory language
• - Break the law, condone or encourage unlawful activity, including breach of copyright, defamation and contempt of court
• - Advertise competitors’ products or services for profit
• - Are seen to impersonate someone else
• - Repeatedly post identical or unsolicited messages, i.e. spam
• - Are not related to the topic
• - Include contact details such as contact numbers, postal or email addresses
• - Contain links which are irrelevant, advertising, spam, offensive, inappropriate or link to or are associated with Intersure Group ’ competitors
• - Describe or encourage activities which could endanger the safety or well-being of others

Furthermore, Intersure Group  reserves the right to restrict, limit or ban access to the Intersure Group  Facebook page, if in the opinion of the Intersure Group  moderators, such persons are disrupting the page and have failed to abide by Intersure Group  Facebook community guidelines.

Intersure Group  will only respond in the universal business language, English, wherever possible.

We look forward to creating a community of Intersure Group  fans that we can engage with and learn from.