This Privacy Notice describes how MiWayLife, a division of Sanlam Life Insurance Limited and part of the Sanlam Group collects, uses, discloses, retains and protects your personal information, in accordance with the Protection of Personal Information Act (POPIA) and other relevant laws. The Privacy Notice applies to any website, application, form, document, product or service which references this Privacy Notice. It also supplements any other privacy notices which may apply in respect of a Sanlam Group entities’ processing of personal information.
POPIA defines personal information as “information which relates to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person”. This includes, but is not limited to, your name, sex, gender, address, contact details, identity number and medical or health information.
This comprehensive Privacy Notice is not at all times directly related to the activities of the MiWayLife Division and is generically applicable across the Sanlam Group.
Who we are
In this Privacy Notice, any reference to “Sanlam”, “the Sanlam Group” or “we” refers to one or more of the entities, affiliates or subsidiaries of the Sanlam Limited Insurance Group operating in South Africa.
How we collect information
We collect personal information about you and any other person whose details you provide to us in accordance with the relevant laws, either:
We will also collect your information where you have only partially completed and/or abandoned any information which you began to insert on to our website and/or other online forms. Given that we already consider you a customer at this stage, we may use this information to contact you in order to remind you to complete outstanding information.
Where we require personal information in order to provide you with our products and services, your inability to provide us with the necessary information, will result in the Sanlam Group being unable to provide you with our products and services. Where such services include financial advice, the appropriateness of the advice may be compromised if you do not provide complete and accurate information. You are responsible for informing the Sanlam Group if your information changes.
Collection of information by third parties
Owners or information system administrators of third-party websites that have links to the Sanlam or MiWayLife website, may collect personal information about you when you use these links. Sanlam does not control the collection or use of personal information by third parties and this privacy statement does not apply to third parties. Sanlam does not accept any responsibility or liability for third-party policies or your use of a third-party app, platform or service.
Sanlam also uses certain social networking services such as Facebook, WhatsApp, Instagram and Twitter to communicate with the public and Sanlam clients. When you communicate with Sanlam through these services, that social networking service may collect your personal information for its own purposes. These services may track your use of our digital channels on those pages where the links are displayed. If you are logged into those services (including any Google service) while using our digital channels, their tracking will be associated with your profile with those service providers. These services have their own privacy policies which are independent of Sanlam’s privacy policies and practices. Please ensure that you fully acquaint yourself with the terms of any such third-party privacy policies and practices.
Sanlam will only provide data to third-party information exchange services, for example, The Financial Services Exchange (Pty) Ltd, trading as Astute, with your consent and under circumstances where it is required to do so in fulfilling a legal requirement; e.g. anti-money laundering or fraud risk management.
What information we collect
Your relationship with Sanlam determines the exact nature of the personal information Sanlam processes, and the purpose for which such personal information is collected and used. However, in many cases, if we are handling your personal information as part of our role as an insurer, the personal information we may process includes the following:
In certain instances, we may need consent to process your personal information. If you give us your consent for a specific context, you are free to withdraw this consent at any time. Please note that where you have withdrawn your consent, this will not affect the processing that took place prior to such withdrawal and it will not affect the processing of your personal information where consent is not required.
You may refuse to provide us with your personal information in which case we may not be able to provide you with a relevant service or would have to terminate our business relationship. The supply of certain items of personal information, especially those collected to comply with regulation, is legally mandatory.
How we use your information
We have regulatory obligations, including compliance with anti-money laundering legislation, to process your personal information. This includes verifying your identity or the identity of your beneficial owner and/or controlling persons. We are also required by various laws to maintain a record of our dealings with clients.
In order for us to provide clients with the financial products and services they have requested and to notify them of important changes to such products and services, we need to collect, use and disclose the personal information of clients, their representatives, controlling persons of entities, business contacts, staff of clients and service providers.
To the extent permissible under applicable laws, Sanlam may use your information:
Sharing your information
Entities within the Sanlam Group will only share your personal information with third parties if there is a legitimate reason to do so. We may disclose the personal information you provide to us to the following entities:
Sanlam will process and share your personal information with other companies within the Sanlam Group for the purpose of facilitating your membership to a loyalty or rewards programme. Your personal information may also be shared with third-party suppliers from time to time for the purpose of facilitating and providing benefits to you by way of a loyalty or rewards programme or when needed to fulfil our contractual obligations to you.
Sanlam will not sell, rent, or trade your personal information to any third party. Sanlam will share information about you with financial advisers that are Sanlam representatives or have intermediary agreements with Sanlam. Sanlam may also share information within the Sanlam Group where it is in Sanlam’s legitimate interest to do so.
Sanlam will disclose information when lawfully required to do so:
On occasion, Sanlam may – for legitimate purposes - share aggregated information with its stakeholders and business partners (for example, demographic data) in a manner that does not identify the persons to whom the information applies. However, Sanlam will not disclose your personal information to third parties unless there is valid processing ground as set out in section 11 of POPIA.
Transfer across borders
Some of the persons to whom we disclose your personal information may be situated outside of the Republic of South Africa (RSA) in jurisdictions that may not have similar data protection laws to the RSA. In this regard, we may send your personal information to service providers outside of the RSA for storage or processing on Sanlam’s behalf. However, we will not send your information to a country that does not have information protection legislation similar to that of the RSA, unless we have ensured that the recipient agrees to effectively adhere to the principles for processing of information in accordance with POPIA.
Security and storage of information
Sanlam intends to protect the integrity and confidentiality of your personal information. Sanlam has implemented appropriate technical and organisational information security measures (including, but not limited to, using encryption for transmission of credit card numbers) to keep your information secure, accurate, current, and complete. However, we cannot guarantee the security of any information you transmit to us online and you do so at your own risk.
Where third parties are required to process your personal information in relation to the purposes set out in this notice and for other lawful requirements, we ensure that they are contractually bound to apply the appropriate security practices.
Your personal information will be held and used for as long as permitted for legal, regulatory, fraud prevention and legitimate business purposes.
Right of access to information
The Promotion of Access to Information Act (PAIA) coupled with POPIA offer an individual the right to access information held by a public or private body in certain instances. This right can be exercised in accordance with the Sanlam PAIA manual (found at www.sanlam.co.za).
Correction of your information
In accordance with POPIA, you have a right to correct any of your personal information held by Sanlam. This right should be exercised in accordance with the procedure outlined in the PAIA manual.
Objection to processing of your information
In accordance with POPIA, you may object to our processing of your personal information on reasonable grounds relating to your particular situation, unless legislation provides for such processing.
Where you provide your personal information to a Sanlam Group entity in the context of a sale of one of our products or services, you agree to such Sanlam Group entity sending you information on news, trends, services, events and promotions for our own similar products and or services, always subject to your right to opt-out of receiving such marketing at the time your information is collected and on each subsequent marketing communication thereafter.
Where you choose to exercise your right to opt-out of direct marketing, please allow up to 21 days for Sanlam to effect that change.
In the interests of better customer service, Sanlam may collect anonymous information from visitors to its websites. For example, Sanlam keeps track of the domains from which people visit its website and also measures visitor activity on its website. In the process, Sanlam ensures the information cannot be used to identify you. This information is sometimes known as "clickstream data". Sanlam or its analytics vendors (including Google Analytics) may use this data to analyse trends and statistics and to provide better customer service.
The information, referred to as traffic data, which may be collected includes:
As mentioned, the traffic data is aggregated and not personally identifiable and our website analysis will also respect any ‘do not track’ setting you might have on your web browser.
A cookie is a small text file that is downloaded onto ‘terminal equipment’ (e.g. a computer or smartphone) when you access a website. It allows the website to recognize your device and store some information about your preferences or past actions.
What cookies do we use?
How do I disable cookies?
If you do not want to receive a cookie from the website, you have the option of setting your browser to notify you when you receive a cookie, so that you may determine whether to accept it or not. However, please be aware that if you do turn off 'cookies' in your browser, you will not be able to fully experience some of the features of the website. For example, you will not be able to benefit from automatic log-on and other personalisation features.
While few, if any, of Sanlam's websites are directed towards children, Sanlam is committed to complying with all applicable laws aimed at the protection of children and in particular the protection of their personal information.
This privacy statement was last updated on 12 May 2021. A notice will be posted on the Sanlam website home page whenever the privacy statement is materially changed.
Please check the website regularly to ensure that you are aware of the latest version of this privacy statement.
Questions regarding this statement
Questions, comments and requests regarding this statement may be directed to firstname.lastname@example.org for clarification.
Particulars of Sanlam
Should you have a complaint or concern regarding the processing of your personal information, your complaint may be submitted to email@example.com or call 0860 64 54 33.
Sanlam Limited is the controlling company of the Sanlam Limited Insurance Group.
Sanlam Life Insurance Limited is a licensed insurer and financial services provider.
Our head office’s registered address is 2 Strand Road, Bellville, Western Cape, South Africa, 7530.
For more information on the Sanlam Group, please visit our website.
The Information Regulator
Whereas we would appreciate the opportunity to first address any complaints regarding our processing of your personal information, you have the right to complain to the Information Regulator, whose contact details are:
The Information Regulator (South Africa)
JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001
P.O Box 31533, Braamfontein, Johannesburg, 2017
Complaints email: complaints.IR@justice.gov.za
General enquiries email: firstname.lastname@example.org.