Privacy Policy

1.1. In this document, references to “Realm” is to Realm Capital Solutions (Pty) Ltd.

2.1. This document explains how Realm will obtain, use and disclose your personal information, in accordance with the requirements of the Protection of Personal Information Act (“POPIA”).

2.2. Realm is committed to and recognizes the importance of respecting and maintaining the privacy and security of personal and confidential information (collectively “Personal Information”/ “Information”) submitted to Realm via its various channels for the rendering of any services and for the provision of any products.

2.3. Realm values you as a customer. We will treat all your Personal Information as private and confidential and undertake to deal with your Information in a responsible and lawful manner only. Realm will take all reasonable steps to prevent unauthorized access to your Personal Information. Please note that Realm will only request Personal Information required for the purposes of assessing and providing you with financial service options. This information is essential to conclude your agreement and a legal requirement. Realm will only process your Personal Information for purposes consistent with the normal course of our business to uphold our legitimate interests.

2.4. Realm is required by law to process and maintain your Personal Information in accordance with prescribed standards or generally accepted information management practices to ensure that your information is complete, accurate, up to date and secure.

2.5. Realm will not disclose your Personal Information to any third party except in the normal course of our business where the third party is contractually bound to perform a service or provide products in accordance with your agreement with Realm or where required by law.

2.6. You may request access to records of your Personal Information that we maintain. Realm will make the Information available to you following receipt of your request in accordance with our Access to Information Manual. You may notify us in writing of any inaccuracies reflected in the Information that we maintain and verify, in order to correct your Information.

By making use of our services, products and service channels, you explicitly agree that we may process your personal information. You acknowledge that the personal information may be verified and / or processed for insurance, financial services and risk management purposes by Realm against any other reasonable and legitimate sources or databases to ensure the accuracy and completeness of any personal information provided on an ongoing basis.

4.1. For the purpose of our business functions and activities we will process your personal information for the following non exhaustive list of purposes:

1. Retrieving quotes for financial services from our contractually bound third party credit provider partners
2. Assessment of financial risks;
3. Development and improvement of products and services;
4. Credit references and/or verification of personal information;
5. Fraud prevention and detection;
6. Market research and statistical analysis;
7. Audit & record keeping;
8. Compliance with legal & regulatory requirements; and
9. Sharing of information with service providers and other third parties we engage to process such information on our behalf or who render services to us.

4.2. Realm may collect, process, maintain, disclose or otherwise deal with your Personal Information, without your knowledge and consent, in the following circumstances:

4.2.1. Required by law. This most often relates to government tax reporting requirements or in terms of a court order or if required in terms of legislation or in accordance with the common law. When Realm is served with due legal process requiring the delivery of Personal Information, it has the legal duty to abide by that demand and will do so. Realm will, however, in all instances required by law, only disclose the Personal Information specifically requested.

4.2.2. Necessary to protect Realm's interest. This will not be used as a reason for disclosing Personal Information about a customer or a customer's accounts (including name and address) to anyone else for marketing purposes. However, basic procedures that protect Realm's interests sometimes lead to the disclosure of specific customer information. These instances are limited and the disclosure of information, restricted to what is reasonably required in the circumstances.

4.2.3. In the public interest. Realm may be required to disclose Personal Information for matters of public interest (e.g. to assist in the prevention of crimes). Before complying with these requests, Realm will take every precaution to ensure the authorities involved have legitimate grounds to make such a request.

4.2.4. For statistical purposes. Realm may process and disclose Personal Information, for statistical purposes, that does not relate to you or any person specifically (i.e. de-identified information) as it deems appropriate.

4.3. Special personal information may be processed by Realm in the following circumstances:

• if you have consented to the processing or if the special personal information was made public by you;
• if the processing is required by law and if the processing is needed to create, use or protect a right or obligation in law;
• if the processing is for statistical or research purposes, subject to all legal conditions being met;

5.1. Realm may use your Personal Information to provide you with information on new services or products that may be of interest to you and from time to time will call, mail, email or SMS information to you about Realm, our products and services, or our partners and their products or services.

5.2. If you are not a Realm customer, or in any other instances where the law requires, Realm will only market to you by electronic communications with your consent.

5.3. If you do not wish to continue receiving this information, you may contact Realm and we will remove you from our mailing list.

7.1. Realm will only share your personal information if any one or more of the following apply:

• if you have provided Realm with consent to share your personal information;
• if it is necessary to conclude or perform under a contract, we have with you;
• if it is required by law to do so; and/or
• if it is necessary to protect or pursue a legitimate interest (yours, Realm's or a third party's)

7.2. Realm may, where required, share your personal information with the following third parties. These third parties are obliged to keep your personal information secure and confidential:

• Realm employees, as required by their employment conditions;
• insurers, brokers, other financial institutions or other organisations that assist with insurance and assurance underwriting, the providing of insurance and assurance policies and products, the assessment of insurance and assurance claims, the providing of financial credit products, and other related purposes;
• our service providers, agents and sub-contractors we use to offer and provide services to you;
• payment processing services providers, merchants, banks and other persons that assist with the processing of your payment instructions;
• credit bureaus;
• attorneys and other persons that assist with the enforcement of agreements;
• regulatory authorities, industry ombudsmen and other persons the law requires us to share your personal information with;
• law enforcement and fraud prevention agencies, and other persons tasked with the prevention and prosecution of crime;
• courts of law or tribunals that require the personal information to adjudicate referrals, actions or applications;
• persons to whom we have ceded our rights or delegated its obligations to under agreements, such as where a business is sold;
• our partners with whom we have concluded business agreements.

8.1. Access to Information

8.1.1. You have the right to request a copy of the personal information Realm holds about you. This includes requests pertaining to:

• Confirmation that Realm holds your personal information;
• A copy of the record containing your personal information; and
• The identity of third parties who have and had access to your information.

8.1.2. We will need a copy of your ID document to confirm your identity before providing details of your personal information.

8.1.3. Please note that any such access request may be subject to a payment of a legally allowable fee.

9.2.1. You have the right to ask us to update, correct or delete your personal information if it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, obtained unlawfully, or if we are no longer authorised to keep it.

9.2.2. You must inform us of your request in writing.

10.1. Cookies are small pieces of data that allow the Realm web server to recognise you. Cookies are issued by a specific web server, stored in your web browser and can only be read by the issuing server. The type of information gathered is non-personal (such as the IP address of your computer, the date and time of your visit, the pages you browsed etc.).

10.2. Apart from merely establishing basic connectivity and communications, Realm may use this data to develop customized services that may be tailored to your individual interests and needs. We use cookies to save your email and username, so you don't have to re-enter it each time you visit our site. We may also use cookies to customise your preference settings for future return visits. This is also to facilitate speedy service to you and enhance your experience on the LC websites. At no point in time will any of your Personal Information be stored in a cookie.

10.3. Should you choose to do so, it is possible (depending on the browser you are using), to be prompted before accepting any cookies, or to prevent your browser from accepting any cookies at all. This may however cause certain features of the Website not to be accessible.

Realm will retain your personal data for as long as it is needed to fulfil the purposes for which it is collected, and this information is required for lawful purposes related to our functions and activities.

12.1. Realm reserves the right to amend or modify its Privacy Policy at its sole discretion, at any time, without any prior notice to the User, in response to meeting legislative requirements and dynamic business needs.

12.2. All amendments to the Privacy Policy will be posted on the Realm websites.

12.3. Unless otherwise stated, the current version shall supersede and replace all previous versions of this Policy.

13.1. If you have any queries about this Policy; you need further information about our privacy practices; wish to withdraw consent or correct your personal information, please contact the Realm Information Officer.

13.2. The Realm Information Officer can be contacted on: Email: info@realmgroup.co.za