1. INTRODUCTION

1.1 Welcome to the website of NRB Risk Solutions Proprietary Limited (registration number 2007/023356/07) (“NRB” “we” or “us“) located at www.nrb.co.za (the “Website“).

1.2 We are committed to protecting and preserving the personal information (as defined in clause 4 below) of all visitors to the Website. All references to ”you/your” in this document will be references to visitors of the Website.

1.3 This website privacy policy (“Privacy Policy“) sets out the basis and governs the processing (which includes the collection, use and sharing) of personal information by us, which we may collect from you, or that you may provide to us either through the Website or via email or other correspondence.

2. IMPORTANT NOTICE

2.1 Please read the terms of this Privacy Policy carefully to understand our views and practices regarding your personal information and how we will treat it.

2.2 By visiting our Website and/or submitting personal information to us, whether during a visit to our Website or otherwise, you are expressly accepting and consenting to the practices described in this Privacy Policy and you give your express consent to us, our office bearers, employees, servants, agents and/or contractors and/or other third parties to process (which will include collecting, using and disclosing) your personal information for the purposes stated in this Privacy Policy.

2.3 If you do not agree to this policy, please do not use our Website.

3. DEFINITIONS

3.1 Unless otherwise determined by the context, the words and expressions used in this Privacy Policy shall bear the meaning assigned thereto as follows:

3.2 “consent” means any voluntary, specific and informed expression of will in terms of which permission is given for the processing of personal information; and

3.2.1 “processing / process” means any operation or activity or any set of operations, whether or not by automatic means, concerning personal information, including:

3.2.2the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use;

3.2.3 dissemination by means of transmission, distribution or making available in any other form; or

3.2.4 merging, linking, as well as restriction, degradation, erasure or destruction of information.

4. DATA COLLECTION

4.1 Personal information is information that identifies, or could be reasonably associated with you. The term “personal information” shall bear the same meaning under this Privacy Policy as defined in the Protection of Personal Information Act, 4 of 2013.

4.2 Information we may collect from you

4.2.1 The information that we collect from you may include, but is not limited to, your name, address, telephone number, identification number, email address, physical address, facts about yourself and preferences.

4.2.2 The information mentioned above may be collected from you when you fill in forms on our Website or by corresponding with us by phone, email or otherwise.

4.3 Information we collect about you

4.3.1 With each visit to our Website, we may automatically collect and store certain information about you. This includes, but is not limited to, the following:

4.3.1.1 technical information, including your Internet Protocol (“IP“) address which is used to connect your computer to the internet, any login details, to the extent that it is used, operating system and browser type and platform for system administration; and

4.3.1.2 information about your use of our Website including details of your visits such as pages viewed and the resources that you accessed. Such information includes traffic data, location data and other communication data.

5. USAGE OF DATA COLLECTED

5.1 We will only process your personal information in accordance with this Privacy Policy and for the purpose for which it has been collected.

5.2 The personal information that you provide to us may be used by us for one or more of the following purposes:

5.2.1 to assist us to process and verify for the purposes for which you provided the information or for further services;

5.2.2 to assist in providing you with an improved experience on the Website;

5.2.3 to inform you about changes in the services we offer and/or our Website or about features we think you would find of interest;

5.2.4 to communicate with you and to allow you to participate in interactive features of our Website, when you choose to do so;

5.2.5 to carry out our obligations arising from any contracts that we may have entered into with you;

5.2.6 to provide you with information, products and services that you request from us;

5.2.7 to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;

5.2.8 provided that you have consented thereto, to provide you with information about goods or services we feel may interest you by means of any form of electronic communication, including automated calling machines, facsimile, SMS or email. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, we will contact you once to obtain your consent by electronic means.

5.2.9 to notify you about changes to our service; and

5.2.10 to ensure that content of our Website is presented in the most effective manner for you and for your computer.

5.3 The personal information that we may collect about you may be used by us for one or more of the following purposes:

5.3.1 for administration of our Website and for our own internal business operational purposes, such as data analysis, troubleshooting, research, testing of our systems and statistical and survey purposes;

5.3.2 to improve our Website to provide effective services to you;

5.3.3 to allow you to participate in interactive features of our services, should you choose to do so; and

5.3.4 to deliver advertising services to you.

5.4 Further to the above, we may also use your personal information, or permit selected third party service providers to use your personal information, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by email.We will only do this if you have consented to it. We require such third party service providers to keep your personal information secure. In addition, such third party service providers may not use or disclose personal information for any purpose other than providing the services on our behalf.

5.5 We may disclose your personal information when such disclosure is necessary to protect the legitimate interests (including safety, property, or other rights) of NRB our customers, our associates, or any other person, or where otherwise required or permitted by applicable laws.

6. STORAGE AND TRANSFER OF INFORMATION

6.1 There is a possibility that the personal information that we collect from you may have to be transferred to, and stored at, a destination outside of the Republic of South Africa. It may also be processed by staff operating outside of the Republic of South Africa who work for us or for one of our third party service providers.

6.2 Insofar as your information may be transferred outside of South Africa, we shall take reasonable organisational and/or contractual measures to ensure that your personal information is processed by such third party service providers for the purposes for which it has been provided to us and that the required levels of protection have been implemented by such third party service providers to safeguard your personal information.

6.3 By using the Website and submitting your personal information to us, you consent to your personal information being transferred outside of South Africa.

7. CONTROLLING YOUR PERSONAL INFORMATION

7.1 If you have previously agreed to us using your personal information for direct marketing purposes, you may opt-out of such direct marketing at any time by writing to or emailing us at johannesburg@nrb.co.za.

7.2 You may request us to confirm, free of charge, whether we hold personal information about you, after having provided us with adequate proof of identity. You may also request the details of such personal information we hold about you against a payment of a prescribed fee. If you would like a copy of the personal information pertaining to you which we hold, please address a letter to us requesting same at by sending an email request to johannesburg@nrbrisk.co.za.

7.3 We take reasonable steps to keep your personal information accurate and complete.We suggest that you regularly update your personal information where possible.

7.4 You may request access information we hold about you to correct any inaccuracies by sending an email request to johannesburg@nrbrisk.co.za. We will thereafter delete or correct any personal information found to be incorrect, incomplete or inaccurate.

8. COOKIES

8.1 Our Website may use “cookies” or similar technology through which we may automatically collect certain personal information about you. The following data may be supplied to us by your browser:

8.1.1 your IP address and/or domain name;

8.1.2 your operating system (type of browser and platform);

8.1.3 date, time and length of your visit to the Website; and

8.1.4 the resources you accessed and the documents you downloaded.

8.2 Cookies help us to improve the Website and to deliver a better and more personalised service to you. They enable us:

8.2.1 to estimate our audience size and usage pattern;

8.2.2 to store information about your preferences, and so allow us to customise the Website according to your individual interests; and

8.2.3 to recognise you when you return to the Website.

8.3 You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website. If you accept a “cookie” or fail to deny the use of “cookies”, you consent to our use of your personal information collected using “cookies” (subject to the provisions of this Privacy Policy). Where you either reject or decline cookies, you are informed that you may not be able to fully experience the interactive features of the Website. Should you wish to disable the cookies kindly access the guide via.

9. OUR COMMITMENT

9.1 We will-

9.1.1 treat your personal information as strictly confidential;

9.1.2 take certain technical and organisational measures to protect your personal information;

9.1.3 provide you with reasonable access to your personal information to view and/or update personal details;

9.1.4 as soon as reasonably possible after the discovery of a compromise, and insofar as we can establish your identity, notify you that there are reasonable grounds to believe that your personal information has been accessed or acquired by an unauthorised person; and

9.1.5 upon your reasonable written request, return or destroy any and all of your personal information which may be in our possession or control.

9.2 Whilst we will do all things reasonably necessary to protect your personal information, we cannot guarantee nor do we accept any liability of whatsoever nature for any unauthorised or unlawful disclosure and/or use of your personal information, either by employees and/or made by any third parties (including third party service providers) who are not subject to our control, unless such disclosure and/or use is as a result of our gross negligence.

9.3 If you disclose your personal information to any third party (including an entity which operates a website linked to our website(s)), we shall not be liable for any loss or damage, howsoever arising, suffered by you as a result of the disclosure of your personal information to such third parties. This is because we do not regulate or control how third parties use your personal information. You should always ensure that you read the privacy policy of any third party that you disclose your personal information to.

10. POLICY CHANGES

We may change our Privacy Policy from time to time. Such changes will take effect without notice to you, as and when published on our Website.

11. QUERIES

Should you have any queries relating to this Privacy Policy or the way in which your personal information is used, please direct same to johannesburg@nrbrisk.co.za.