1. Introduction

BIZZER INSURANCE BROKERS ("we", "our", or "us") is committed to protecting your privacy and ensuring that your personal information is processed responsibly, lawfully, and transparently.

This Privacy Policy explains how we collect, use, store, disclose and protect your personal information in accordance with the Protection of Personal Information Act, 2013 (Act No. 4 of 2013) ("POPIA").

By accessing our website or using our services, you consent to the collection and processing of your personal information as described in this Privacy Policy.

2. About Us

BIZZER INSURANCE BROKERS is an insurance brokerage based in Johannesburg, Gauteng, providing insurance products and advisory services to clients throughout South Africa.

3. Information We Collect

Depending on the services you request, we may collect the following information:

Personal Information

• Full Name
• South African ID Number or Passport Number
• Date of Birth
• Gender
• Marital Status
• Nationality

Contact Information

• Mobile Number
• Telephone Number
• Email Address
• Residential Address
• Postal Address

Financial Information

• Banking Details
• Debit Order Information
• Premium Payment Information

Policy Information

• Policy Applications
• Insurance Quotations
• Beneficiary Details
• Spouse Information
• Children's Information
• Claims Information

Technical Information

When visiting our website, we may automatically collect:

• IP Address
• Browser Type
• Device Information
• Operating System
• Website Usage Statistics
• Cookie Information

4. Why We Collect Your Information

We process your personal information for the following purposes:

• Providing insurance quotations
• Processing insurance applications
• Managing insurance policies
• Processing claims
• Verifying your identity
• Providing customer support
• Communicating policy updates
• Processing premium payments
• Detecting fraud
• Meeting legal and regulatory obligations
• Improving our products and services
• Website administration and security

5. Legal Basis for Processing

Your personal information is processed only where:

• You have given consent.
• Processing is necessary to perform a contract.
• Processing is required by law.
• Processing protects your legitimate interests.
• Processing protects your vital interests.

6. Sharing Your Information

We may share your personal information with:

• Insurance Underwriters
• Claims Administrators
• Payment Service Providers
• Financial Institutions
• Regulatory Authorities
• Professional Advisers
• IT Service Providers
• Law Enforcement Agencies where required by law

We never sell your personal information to third parties.

7. Protection of Personal Information

We take appropriate technical and organisational measures to protect your information against:

• Unauthorised access
• Unlawful processing
• Accidental loss
• Destruction
• Alteration
• Disclosure

Our security measures include secure servers, encryption where appropriate, access controls, and regular system monitoring.

8. Cookies

Our website uses cookies to:

• Improve website performance.
• Remember user preferences.
• Analyse website traffic.
• Enhance your browsing experience.

You may disable cookies through your browser settings, although certain website functions may no longer operate correctly.

9. Marketing Communications

With your consent, we may send you:

• Insurance news
• Promotional offers
• Policy reminders
• Newsletters
• Product updates

You may opt out of receiving marketing communications at any time by following the unsubscribe instructions or contacting us directly.

10. Retention of Information

We retain personal information only for as long as necessary to:

• Fulfil the purposes for which it was collected.
• Comply with legal obligations.
• Resolve disputes.
• Enforce agreements.

When information is no longer required, it will be securely destroyed or permanently anonymised.

11. Your Rights Under POPIA

You have the right to:

• Know what personal information we hold about you.
• Request access to your information.
• Request correction of inaccurate information.
• Request deletion of information where permitted by law.
• Object to certain processing activities.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with the Information Regulator.

12. Third-Party Websites

Our website may contain links to external websites.

We are not responsible for the privacy practices or content of third-party websites. Users are encouraged to review the privacy policies of those websites before providing personal information.

13. Children's Privacy

Our website is not intended for children under the age of 18 without the involvement or consent of a parent or legal guardian.

Where children's information is required for policy purposes, it will only be processed in accordance with applicable laws.

14. Cross-Border Transfers

Where necessary, personal information may be transferred outside South Africa only where:

• Adequate data protection measures exist.
• Permitted by POPIA.
• You have provided consent.

15. Data Breaches

Should a data breach occur that may compromise your personal information, BIZZER INSURANCE BROKERS will:

• Investigate the incident promptly.
• Take reasonable steps to contain the breach.
• Notify affected individuals where required by law.
• Notify the Information Regulator where applicable.

16. Changes to this Privacy Policy

We reserve the right to amend this Privacy Policy from time to time.

The latest version will always be published on our website together with the updated effective date.

17. Complaints

If you believe that BIZZER INSURANCE BROKERS has not complied with POPIA, you may first contact us so that we can attempt to resolve your concern.