Who we are

KENNIE SEKER, a juristic representative of SDC Wealth Management (FSP 49659), offers trusted short-term insurance solutions to individuals and operates as a private company.

Personal Information

Personal Information according to the Protection of Personal Information Act, means information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person, including, but not limited to –

Information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, colour, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the person;

Information relating to the education or the medical, financial, criminal or employment history of the person;

Any identifying number, symbol, e-mail address, telephone number, location information, online identifier or other particular assignment to the person;

The biometric information of the person;

The personal opinions, views or preferences of the person;

Correspondence sent by the person that would reveal the contents of the original correspondence;

The views or opinions of another individual about the person; and

The name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person.

Information We Collect

Personal information includes any information that lets KENNIE SEKER identify you, such as your name/s and surname combined with your physical address, contact details and/or passport/identity number.

In terms of South African legislation, personal information also refers to the personal information that identifies legal entities, such as the trading name of a company combined with the company registration number.

In terms of South African legislation, special personal information refers to information regarding race or ethnic origin, religious and philosophical beliefs, political persuasion, trade union membership, health or sex life, biometric information or any criminal behavior which relates to alleged criminal offences or proceedings.

SDC Wealth Management collects personal information about its clients, what information is collected depends on how you elect to interact with SDC Wealth Management. These interactions include but are not limited to filling in contracts, email correspondence, telephone correspondence, online software communication or making use of any affiliated group apps and software. Information includes what clients tell SDC Wealth Management about themselves, what SDC Wealth Management learns by having a client or when a client makes use of a specific product or service.

Where and when do we collect personal information:

Information you provide to us:

• Directly from you;
• Based on your use of our products, services;
• Based on how you engage or interact with us, such as on social media, and through e-mails, letters, telephone calls, and surveys;
• Use of our website;
• From third parties affiliated with our services;
• From entities within our group.

Information we collect from others:

• Service Use:

We log your visits and use of our services, including mobile applications. We use logins, cookies, device information and internet protocol (IP) addresses to identify you and log your use.

• Cookies, Web Beacons and Other Similar Technologies:

We collect data through cookies and similar technologies. We use cookies and similar technologies to recognise you and / or your device(s) on, off and across different Services and devices. You can control cookies through your browser settings and other tools. You can also opt-out from our use of cookies and similar technologies that track your behaviour on the sites of others for third party advertising.

• Cookies:

Cookies are small files that are saved onto your computer which track, save and store information about how you use our website and Services. In some instances, these cookies are needed for the website to function – you can disable them in your browser, but this may interfere with the proper functioning of our website.

• We use the following cookies:

Session / Period cookies: They allow website owners to collect analytics data, remember language settings, and perform other useful functions that help provide a good user experience. These cookies expire when the browser is closed.

Permanent / Persistent cookies: Same as above, however, these remain in operation, even when you have closed the browser. They remember your login details and password, so you don’t have to type them in every time you use the site. These cookies have a pre-determined expiry date and will appear until the expiry date is reached.

Third-party cookies: are created by domains other than the one you are visiting directly, hence the name third-party. These are installed by third parties with the aim of collecting certain information to carry out various research into behaviour, demographics etc, such as advertisers.

Google analytics: This is tracking software from Google which we use to monitor how users interact with the website in order for us to improve its functionality and content.

Web-server software: Web-Server software delivers webpages to your browser. The web-server software will automatically collect your IP address whenever you connect to the website.

• Your Device and Location:

We receive data from your devices and networks, including location data. When you visit or leave our Services (including our plugins or cookies or similar technology on the sites of others), we receive the URL of both the site you came from and the one you go to next. We also get information about your IP address, proxy server, operating system, web browser and add-ons, device identifier and features, and / or ISP or your mobile carrier. If you use our Services from a mobile device, that device will send us data about your location based on your phone settings. We will ask you to opt-in before we use GPS or other tools to identify your precise location.

• Other:

We are improving our service, which means we get new data and create new ways to use data. Our services are dynamic, and we often introduce new features, which may require the collection or sharing of new or existing information. If we collect materially different personal data or materially change how we use your data, we will notify you and may also modify this privacy notice.

• Important:

It is in our legitimate interests to service our clients to the best of our abilities.

If you fail to provide personal data when requested, which is necessary for us to consider your request, we may not be able to process your request in order for a KENNIE SEKER representative to get back to you or for KENNIE SEKER to render the requested service.

Some of the personal information that is collected automatically is collected by third parties whose technology we use to provide website functionality and acquire website analytics information. Some of these third parties will be outside of the borders of South-Africa and your information will be stored outside the borders of South Africa. This will be discussed in our Section, Transborder Information.

When will we process your personal information:

We will only process your personal information for lawful purposes relating to our business if the following circumstances apply:

• You have consented thereto;
• a Person legally authorised by you, or a court, has consented thereto;
• It is necessary to conclude or perform under a contract we have with you;
• The law requires or permits it;
• It is required to protect or pursue your, our, or a third party’s legitimate interest; and/or
• You are a child, and a competent person (such as a parent or guardian) has consented thereto on your behalf.

Kindly note: If you make use of any of our group services, you agree that in order to perform/conclude or fulfil our contractual relationship, comply with obligations imposed by law or to protect or pursue your, SDC Wealth Management’s, or a third party’s legitimate interests, your personal information may be processed.

When will we process your special personal information:

Special personal information refers to the following categories of information:

Criminal behaviour where it relates to the alleged commission of any offence or the proceedings relating to that offence.

Religious and philosophical beliefs;

Race;

Ethnic origin;

Trade union membership;

Political beliefs;

Health including physical or mental health, disability and medical history;

Biometric information;

KENNIE SEKER will process special personal information in the following instances:

You have consented to processing it (in circumstances where we are legally obliged to obtain your consent); or

It is necessary to exercise or defend a right or obligation in law; or

It is necessary to comply with an international legal obligation of public interest; or

It is for certain historical, research or statistical purposes that would not adversely affect your privacy; or

You have deliberately made your personal information public.

How we use your information:

Services:

We use the data we have about you (e.g. the data you provide, data we collect from your engagement with our services and inferences we make from the data we have about you), to recommend relevant content and conversations on our services or suggest products you could add to your portfolio. We furthermore use your data to render the requested services to you.

• Communications:

We will contact you, as well enable communications between yourself and our service department. We will contact you through e-mail, mobile phone, notices posted on our websites or applications and any other ways through our services to you, including text messages and push notification based on your phone settings. We also send messages about how to use the services, network updates and reminders.

• Sensitive and Special Personal Information:

We will only use your sensitive and special personal information in so far as we are permitted by Law to do so.

• Marketing:

SDC Wealth Management will promote our services to you. We use data and content about our members for invitations and communications promoting membership and network growth, engagement and our services. SDC Wealth Management may also market other business solutions services offered by SDC Wealth Management. Communication in this regard will mainly be via telephone but could include, SMS email and fax.

Should you not be a member of KENNIE SEKER, we will obtain your consent for any unsolicited electronic marketing communication.

• Developing Services and Research:

We develop our Services and conduct research. Services development: We will retain and evaluate information on your recent visits to our website and how you move around different sections of our website so that we can make it more intuitive.

• Client Support:

We use your data to help you and respond to queries. We use the data (which can include your communications) to investigate, respond to and resolve complaints and service issues (e.g. bugs).

• Aggregate Insights:

We use data to generate aggregate insights. We use your data to produce and share aggregated insights that do not identify you. For example, we may use your data to generate statistics about our members, their profession or industry, to calculate ad impressions served or clicked on, or to publish visitor demographics for a Service or demographic workforce insights.

• Security and Investigation:

We use data for security, fraud prevention and investigations. We use your data (including communications) if we think it is necessary for security purposes or to investigate possible fraud or other violations our user agreement or this privacy notice and / or attempts to harm our members or visitors.

• Collection:

Enforcing our obligations, including without limitation to the collection of amounts outstanding from you for services rendered by us.

Your rights and obligations:

Data Retention:

We keep most of your personal information while you still have a profile with us and we need to provide you with services or where we are legally obligated to do so.

We will process your information while your profile is still active with us and you keep on making use of our services. This includes any information you have provided to us or we have collected from third parties as set out in this privacy notice.

Even if you are not constantly making use of our services, platforms, software and apps, we will retain your information and keep your profile open until you decide to stop making use of our services.

We will also keep your information where you have agreed for us to do so, or have given your consent that we are allowed to do so.

In some instances, we choose to retain certain information about you after you have closed your profile, but we will do that in a depersonalised form for statistical, historical or research purposes.

We keep some of your information even after you have closed your profile or stopped making use of our services, if it is reasonably necessary to comply with our legal obligations, meet regulatory requirements, resolve disputes, maintain security, prevent fraud and abuse, enforce our other user agreements, or fulfil your request to object to our processing of your information.