1. Introduction

LifeSense Financial Services (Pty) Ltd ("LifeSense", "we", "us") is committed to protecting your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and other applicable South African legislation. This policy explains how we collect, use, store, and share your personal information.

2. Information We Collect

We may collect the following personal information:

• Full name, identity number, and date of birth
• Contact details (phone number, email address, physical address)
• Financial information (income, assets, liabilities, tax details)
• Employment details and beneficiary information
• Medical information (where relevant to insurance applications)
• Banking details for transactions and payments
• Website usage data through cookies and analytics

3. How We Use Your Information

Your personal information is used to:

• Provide financial planning, advisory, and investment services
• Process insurance and retirement fund applications
• Comply with the Financial Advisory and Intermediary Services Act (FAIS)
• Meet our obligations under the Financial Intelligence Centre Act (FICA)
• Communicate about your accounts, products, and services
• Improve our services and website experience

4. Sharing of Information

We may share your information with:

• Product providers (insurers, fund managers, medical schemes) to process applications
• Regulatory bodies (FSCA, SARS, FIC) as required by law
• Professional service providers (auditors, attorneys) where necessary
• Third-party administrators for fund administration services

We will never sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. This includes encrypted communications, secure storage systems, and access controls limited to authorised personnel.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, and to comply with legal and regulatory requirements. Financial records are retained for a minimum of five years after the end of the client relationship, in accordance with FAIS requirements.

7. Your Rights

Under POPIA, you have the right to:

• Request access to your personal information held by us
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal obligations)
• Object to the processing of your personal information
• Lodge a complaint with the Information Regulator

8. Cookies

Our website uses cookies to improve your browsing experience and analyse site traffic. You can manage cookie preferences through your browser settings. Essential cookies required for site functionality cannot be disabled.

9. Contact Us

For privacy-related queries or to exercise your rights under POPIA, contact our Information Officer:

Email: info@lifesensefs.co.za
Phone: +27 (0) 86 100 0079
Address: 65 Homestead Road, Bryanston, Sandton 2191