Privacy Policy

1. Introduction

Calibre Capital Partners (Pty) Ltd ("we", "us", "our") respects your right to privacy and is committed to protecting the personal information of our clients, potential clients, and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA).

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

2. Information Officer

In terms of POPIA, we have appointed an Information Officer who is responsible for ensuring our compliance with data protection laws.

3. What Personal Information We Collect

We may collect the following types of personal information:

• Identity Information: Name, surname, identity number, date of birth, nationality
• Contact Information: Physical address, postal address, email address, phone numbers
• Business Information: Company name, registration number, VAT number, business address
• Financial Information: Bank account details, credit history, payment records
• Project Information: Contract values, project details, construction site locations
• Insurance History: Previous claims, policy details, risk assessments
• Technical Information: IP address, browser type, device information when using our website

4. How We Collect Information

We collect personal information through:

• Directly from you when you complete forms on our website or provide information via email, phone, or in person
• From your appointed insurance broker or intermediary
• From publicly available sources and regulatory databases
• From credit bureaus and fraud prevention agencies
• Through cookies and similar technologies when you use our website
• From third parties with your consent or where legally permitted

5. Purpose of Processing

We process your personal information for the following purposes:

• To provide insurance quotes and assess your insurance needs
• To underwrite and issue insurance policies
• To process and settle insurance claims
• To manage your policy and handle renewals
• To comply with legal and regulatory requirements
• To prevent fraud and money laundering
• To conduct credit reference searches
• To communicate with you about our products and services
• To improve our services and customer experience
• For audit and record-keeping purposes

6. Legal Basis for Processing

We process personal information based on:

• Consent: Where you have given us explicit permission
• Contract: Processing necessary to fulfill our insurance contract with you
• Legal Obligation: Compliance with laws and regulations (FSCA, POPIA, etc.)
• Legitimate Interest: For fraud prevention, risk assessment, and business operations
• Public Interest: Where required by law or to protect public safety

7. Sharing of Personal Information

We may share your personal information with:

• Insurers and Reinsurers: To underwrite and administer your insurance policies
• Brokers and Intermediaries: If you were introduced to us through a broker
• Service Providers: IT service providers, claims assessors, legal advisors
• Regulatory Bodies: Financial Sector Conduct Authority (FSCA), Information Regulator
• Credit Bureaus: For credit checking and fraud prevention
• Law Enforcement: When required by law or to prevent crime
• Professional Advisors: Auditors, accountants, legal counsel

We ensure that all third parties who process your personal information on our behalf are bound by appropriate confidentiality and data protection agreements.

8. Cross-Border Transfers

In some cases, we may transfer personal information to reinsurers or service providers located outside South Africa. We will only do so where:

• The recipient country has adequate data protection laws
• We have obtained your consent
• The transfer is necessary for the performance of a contract
• We have implemented appropriate safeguards (standard contractual clauses)

9. Data Security

We take the security of your personal information seriously and have implemented appropriate technical and organizational measures to protect it from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data
• Secure server infrastructure with firewalls
• Access controls and authentication procedures
• Regular security assessments and penetration testing
• Staff training on data protection
• Physical security measures at our offices
• Regular backup and disaster recovery procedures

10. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, and reporting requirements. Typically, we retain insurance records for:

• Active policies: Duration of the policy plus applicable limitation periods
• Claims records: Minimum of 5 years after claim settlement
• Financial records: Minimum of 5 years as required by tax laws
• Marketing records: Until you withdraw consent or object

11. Your Rights Under POPIA

As a data subject, you have the following rights:

12. Exercising Your Rights

To exercise any of your rights, please contact our Information Officer using the contact details provided above. We will respond to your request within a reasonable time and in accordance with POPIA requirements.

We may require proof of identity before processing your request to ensure the security of your personal information.

13. Cookies and Website Tracking

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie settings through your browser preferences.

We use:

• Essential Cookies: Required for website functionality
• Analytical Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and settings

14. Data Breaches

In the event of a personal information breach, we will notify the Information Regulator and affected data subjects as required by POPIA. We have implemented procedures to detect, report, and investigate data breaches.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the effective date. We encourage you to review this policy periodically.

16. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data protection practices, please contact us:

17. Information Regulator

If you are not satisfied with our response to a privacy-related complaint, you have the right to lodge a complaint with the Information Regulator: