1. Who we are

Insurance Guru SA (referred to as ‘Insurance Guru’, ‘we’, ‘us’, or ‘our’) is a South African lead generation platform that connects businesses with specialist short-term insurance providers. We operate through our website at insurancegurusa.co.za.

We are the responsible party as defined under the Protection of Personal Information Act 4 of 2013 (POPIA) with respect to the personal information we collect through this website.

2. What personal information we collect

When you submit a quote request through our website, we collect the following personal information:

Full name and surname
Email address
Mobile phone number
Business type and industry
Province or location
Description of your insurance requirements

We may also automatically collect the following technical information when you visit our website:

IP address
Browser type and version
Pages visited and time spent on the site
Referring website or source

We do not collect sensitive personal information as defined under POPIA (such as race, health information, biometric data, or financial account details) through our website

3. Why we collect your information

We collect and process your personal information for the following specific, lawful purposes:

To match you with accredited South African short-term insurance providers who offer cover relevant to your business type and requirements
To share your details with those insurers so they can contact you directly with a tailored insurance quote
To communicate with you regarding your quote request if necessary
To improve the functionality and user experience of our website
To comply with our legal obligations under applicable South African law

We do not use your personal information for automated decision-making or profiling beyond the matching described above.

4. Who we share your information with

By submitting your details through our website, you expressly consent to Insurance Guru sharing your personal information with accredited South African short-term insurance providers for the purpose of obtaining an insurance quote.

We only share your information with:

Accredited short-term insurance providers registered with the Financial Sector Conduct Authority (FSCA) in South Africa
Our website hosting and technology service providers, who process data on our behalf and are bound by confidentiality obligations

We do not sell, rent, or trade your personal information to any third party for marketing or any other purpose unrelated to obtaining your insurance quote.

We do not share your information with parties outside of South Africa without your explicit consent, except where required by law.

5. Legal basis for processing your personal information

We process your personal information on the following lawful grounds under POPIA:

Consent: You provide explicit consent by completing and submitting the quote request form and ticking the consent checkbox
Legitimate interest: To connect you with insurance providers in response to your request
Compliance with legal obligations: Where required by South African law

You may withdraw your consent at any time by contacting us using the details in Section 9 below. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal.

6. How we protect your information

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, misuse, alteration, or destruction. These measures include:

Secure HTTPS encryption on our website
Access controls limiting who can view your personal data
Regular review of our data security practices

While we take these precautions, no website or internet transmission is completely secure. We cannot guarantee absolute security of information transmitted to or from our website

7. How long we keep your information

We retain your personal information for as long as is necessary to fulfil the purposes described in this policy, or as required by law. In general:

Lead and quote request data is retained for a maximum of 12 months from the date of submission
After this period, your personal information is securely deleted or anonymised

The insurance providers who receive your details will have their own retention policies, which are governed by their own privacy policies and applicable regulation.

8. Your rights under POPIA

As a data subject under POPIA, you have the following rights with respect to your personal information:

Right of access: You may request a copy of the personal information we hold about you
Right to correction: You may request that we correct inaccurate or incomplete personal information
Right to deletion: You may request that we delete your personal information, subject to legal obligations
Right to object: You may object to the processing of your personal information in certain circumstances
Right to withdraw consent: You may withdraw consent to processing at any time
Right to complain: You have the right to lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, please contact us using the details in Section 9 below. We will respond within 30 days of receipt.

Information Regulator of South Africa: inforeg@justice.gov.za | www.justice.gov.za/inforeg

9. Contact us — Information Officer

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact our Information Officer:

Insurance Guru SA

Email: compliance@insuregurusa.co.za

Website: www.insurancegurusa.co.za

Physical address: Victoria Road, Woodstock 7925, Cape Town, South Africa

10. Cookies and website tracking

Our website uses cookies and similar tracking technologies to improve your experience and analyse traffic. We use:

Essential cookies: Necessary for the website to function correctly
Analytics cookies: Google Analytics to understand how visitors use our site (anonymised data)

You can control cookie settings through your browser. By continuing to use our website, you consent to our use of cookies as described above

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised ‘Last updated’ date. Continued use of our website after changes are posted constitutes acceptance of the updated policy.