Last Updated: February 2022

BOWER INSURANCE GROUP (PTY) LTD PRIVACY POLICY

Read this Policy carefully before browsing the Website or making use of any of our services. Your continued use of the Website indicates that you have both read and agree to the Terms of this Privacy Policy. You should not use the Website if you do not accept these Terms.

The Website is owned and managed by Bower Insurance Group (Pty) Ltd and will be referred to as “we”, “our” and “us” in this Privacy Policy.

In terms of s18 of the Protection of Personal Information Act “POPIA” we are required to bring to your attention certain matters relating to your personal information, which we set out in this Privacy Policy. This Privacy Policy governs the manner in which the Personal Information made available to us on this Website is collected, used and disclosed, as is required by POPIA.

“Personal Information” is defined by the Protection of Personal Information Act (the Act) as: “information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person”. The POPI Act, which has more specific examples should you require them, can be found here: https://www.gov.za/sites/default/files/gcis_document/201409/3706726- 11act4of2013protectionofpersonalinforcorrect.pdf

We may collect, process or use your personal details as provided by you when using the Website, purchasing our products or services, submitting enquiries, contacting us or completing the online forms on the Website or anywhere else will not be used for anything other than that which is stated in these Terms. The Personal Information collected by us or provided by you, includes, without limitation, the following:

• First Name & Surname

• Identity Numbers

• Vehicle Details

• Banking Details

• Contact Numbers

• Email Address

By agreeing to the Terms contained in this Privacy Policy, you agree that we may collate, process, use and store your Personal Information referred to above, in relation to:

• Greeting you when you log onto the Website

• The provision and performance of our products and services

• Carrying out and completing any transactions as requested by you or other related servicesAssessing and processing claims, as well as for the purposes of claim checks

• Developing a user profileCommunicating with you as well as responding to any queries or requests you may have

• Conducting credit reference searches or verifications

• Developing and maintaining our relationship

• Informing you of any of our marketing initiatives including, advertising, competitions, special offers personal messages and welcome emails

• Providing you with periodic information regarding products, services, annual renewals, newsletters, and general Bower Insurance Group related content

• Informing you of facts relating to your access and use of the Website or any changes thereto

• Conducting market or customer satisfaction research or for statistical analysis, and to compile non-personal statistical information about browsing habits, click patterns and access to the Website

• For security, administrative and legal purposes

By registering on the Website, you provide your voluntary and informed consent to allow us to communicate various messages relating to customer services, offerings and services, promotions, special offers, discounts and the like associated with Bower Insurance Group (Pty) Ltd. The form of communication may include, but is not limited to, electronic mail; mobile communications (SMS or MMS); and telephone calls. Your agreement to this Privacy Policy constitutes your consent as contemplated in Section 69 of the Act.

You acknowledge and agree that by creating a customer profile and uploading or sharing it, for example on discussion forums, such information is not confidential.

Other than your Personal Information, should you provide any additional information to us, you agree that such information is not confidential information and that we have unlimited rights to such information which information may be used for any purpose within our sole and absolute discretion.

We may also share your personal information with, and obtain information about you from:

• Third parties for the purposes listed above

• Other insurers to prevent fraudulent claims

• Other third parties from whom you have chosen to receive marketing information

• Where we have a duty or a right to disclose your information in terms of our laws or industry codes

• Where we believe it is necessary to protect our rights

Any personal information voluntarily provided will not be shared with any third-party organization other than in accordance with these Terms or with your express consent. Where disclosure has been made to any third party, we undertake to keep records of such third-party disclosure and will ensure that all such third parties sign written agreements protecting the confidentiality of such personal information as provided for in the Protection of Personal Information Act 4 of 2013 (“POPI”).

Should we sell our business or any part of it, the information collected from your use of the Website or by any other means shall be shared with the purchaser, who may then provide you with information about their products, services and marketing initiatives.

By interacting with us and providing your personal information to us, you acknowledge that you have read and understood this Privacy Policy and have agreed to the contents hereof. You furthermore authorise us to take any of the actions described herein insofar as your personal information is concerned.

We are committed to, and recognize the importance of protecting your privacy and ensuring that your Personal Information provided by our users is collected and used properly, lawfully and transparently.

Should you not agree to this Privacy Policy, please do not continue the use of the Website. We reserve our rights, at our discretion, to change or remove portions of this Privacy Policy at any time. With the continued use of the Website it shall be deemed that you agree and accept the Terms herein, including but not limited to changes to this Privacy Policy and any other Terms and Conditions applicable to the Website. This Privacy Policy should be reviewed periodically to ensure that you are updated on any changes we may make.

WHAT ARE YOUR RIGHTS AND HOW CAN YOU EXERCISE THEM

Whenever we process Personal Information, we take reasonable steps to keep your personal data accurate and up-to-date for the purposes for which they were collected. You have the right to exercise the following under the conditions and within the limits set forth in the law.

You may contact us regarding the use of protecting your Personal Information or if you want to object or in part to the processing of your Personal Information. If you have provided consent you may withdraw your consent. You may also, subject to confidentiality obligations :

• Request to access to the information we hold about you

• Request a correction and updates of the personal information we hold about you

• Object to the way in which we use personal information about you

• Request the deletion of your personal information that is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or obtained unlawfully or where we are no longer authorized to keep such information

• Complain to us about the way we use your personal information. If you are not satisfied with how we handle your complaint, you can lodge a complaint with the Information Regulator

It is important to note that the rights are not absolute and must be balanced against other competing rights. We may also rely on certain exceptions that may impact on your rights, for example, your right to object or the right of access to information. We will only do this where the interest we are mandated to protect outweighs to a substantial degree interference with your privacy. Where possible in terms of law, we will explain the exception we are relying on and its impact on your rights.

LOG FILE

The Website may also collect certain information about your visit, including but not limited your Internet Protocol (IP) address, the name of your Internet Service Provider, your browser; the date and length of your visit; the pages that accessed while on the Website and in what sequence, the Website from which you were directed to the Website and any other information concerning your computer's operating system, language settings, and broad demographic information. This information is aggregated and anonymous data and does not identify you specifically. However, you acknowledge that this data may be used to identify you if combined with other Personal Information provided by you. This information is not shared with third parties and is only used internally on a need-to-know basis. Any identifiable information related to this date will never be used in any way other than what is stated in these Terms, without your explicit consent.

HOW WE SECURE YOUR PERSONAL INFORMATION

We endeavor to ensure that all the personal data collected on the Website is protected against unauthorized access and use of personal information. We have taken reasonable steps to safeguard the integrity and privacy of the information you submit to us and prevent unauthorized access to, or disclosure of your Personal Information, however we do not make any representations or warranties that the information voluntarily provided by you, whether Personal Information, or otherwise, is safe and secure. Regrettably, no data transmission over the internet can be guaranteed to be totally secure. The Personal Information collected from our users shall only be accessed by Bower Insurance Group (Pty) Ltd employees, representatives and consultants on a need-to-know basis, and subject to reasonable confidentiality obligations binding such persons.

CONTACT INFORMATIONShould you have any questions or concerns about our Privacy Policy, please feel free to send us an Email to info@bowerinsurancegroup.co.za