ZENITH’S PRIVACY POLICY
This notice was last updated on 2 June 2025.
This notice explains how we collect and use your personal information. We may need to update it periodically, but we will let you know when we do.
We are committed to protecting your privacy and ensuring that your personal information is collected and used ethically, lawfully and transparently.
If you have any questions, please contact us at [email protected]
1. WHO WE ARE
Zenith for the Accomplished (Pty) Ltd in an underwriting manager doing business in the non-life insurance industry. We have a binder agreement with Western National Insurance Company Limited. In this policy, “Zenith” or “we” refers to Zenith for the Accomplished and Western National Insurance Company Limited. We only operate in South Africa. In terms of our binder agreement, we are obliged to integrate our insurance data with their system in accordance with the financial sector regulations.
2. PROTECTION OF PERSONAL INFORMATION
This policy explains how we obtain, use and disseminate the personal information of policyholders and the financial service providers who serve them. We enforce company policies to ensure that your personal information is collected and used properly, lawfully and transparently within the limitations and subject to the requirements set by law. We are committed to protecting the privacy of personal
information.
3.KEY PRINCIPLES
These are the key principles that we follow when collecting and using your personal information: :
We value your trust. We will always use your personal information in a way that is fair, ethical and worthy of your trust.
We will always be transparent with you about what information we collect, what we do with it, with whom we share it and whom you should contact if you wish to know more or have any concerns.
We will take all reasonable steps to protect your information from misuse and keep it secure.
We will comply with all applicable data protection laws and regulations, and we will co-operate with data protection authorities.
4. DATA COLLECTION
We collect and process personal information to administer insurance policies and to deliver on the benefits provided. The type of information we collect will depend on the purpose for which it is collected and used. We will only collect information that we need to provide you with the product which you have selected and services flowing therefrom at the standard which you are entitled to expect. We collect personal information in accordance with our FSP Licence requirements and as required by the laws of South Africa. Therefore, we collect information directly from you or an intermediary duly appointed by you where you provide us with your personal details. We also process personal information voluntarily provided to our policyholders or mandated service providers. Policyholders understand that they must disclose and declare all such information as a reasonable person would deem to influence the decision of an insurer to accept the risk as well as provide appropriate underwriting terms and premium rating for insuring the risk.
We also collect information about you from other sources as explained below:
Our website: usage information is collected using “cookies” which allows us to collect standard internet visitor usage information.
Training portal: user information is collected for product accreditation and allocation of continuous professional development hours.
Verification services: to independently verify personal information collect from data subjects and reduce instances of fraud.
5. USE OF DATA
We will use your personal information only for the purposes for which it was collected or agreed with you, for example:
To provide our products or services to you, to carry out the transaction you requested and to maintain our relationship with you.
For underwriting purposes.
To assess and process claims.
To conduct, premium collection, credit reference searches or verification.
To confirm and verify your identity or to verify that you are an authorised user for security purposes.
For operational purposes, and where applicable, credit scoring and assessment and credit management.
For purposes of claim checks.
For the detection and prevention of fraud, crime, money laundering or other malpractice.
For debt tracing or debt recovery.
To conduct market or customer satisfaction research or for statistical analysis.
For audit and record keeping purposes.
For liaising with third-party-service-providers to offer those services to you which may be necessary in terms of the policy we have with you.
In connection with legal proceedings.
6. WE SHARE YOUR INFORMATION WITH OUR TRUSTED SERVICE PROVIDERS
We may share your personal information with our service providers who help us deliver our products and services to you. We have agreements in place with them to ensure that they keep your information safe and only use your information with our permission. For instance, we may share your personal information with assessors, surveyors, towing operators, panel beaters, glass fitment centers, salvage management operators, car rental companies, plumbers and electricians to provide you with the required services. We may transfer your personal information to another country for processing or storage. We will ensure that anyone we share your personal information with agrees to treat your information with the same level of protection as we do.
Sometimes we need to disclose your information to a third party:
if we believe that disclosure is reasonably necessary to comply with the law, legal process, or a government request;
to enforce our contracts and policies;
to protect the security and integrity of our service;
to protect ourselves, clients, and the public from illegal activity; or
to respond to an emergency which we believe in good faith requires that we disclose information.
If there is a change in our company structure or ownership, we may share your information as part of the assets transferred or the due diligence for that transaction.
7. INFORMATION SECURITY
We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorised access and use of personal information. We will, on an ongoing basis, continue to review our security controls and related processes to ensure that your personal information is secure.
Management of security and procedures include:
Physical security
Computer and network security
Access to personal information
Secure communications
Security in contracting out activities or functions
Retention and disposal of information
Acceptable usage of personal information
Governance and regulatory issues
Monitoring access and usage of private information
Investigating and reacting to security incidents
If you would like to amend how we handle your personal information.
Please submit one of the following forms:
Request for correction or deletion of PI
Objection to processing of PI
8.YOUR RIGHTS AND PREFERENCES
You have the right to
ask what personal information we have about you;
ask what personal information we sent to our suppliers, service providers, or anyone else;
ask us to update, correct, or delete any out-of-date or incorrect personal information we have about you;
unsubscribe from any direct marketing communications we may send you,
object to the processing of your personal information in certain circumstances; and
complain about our practices with the Information Regulator.
9. CONTACT US
If you have questions about this policy or believe we have not adhered to it or need further information about our privacy practices or wish to give or withdraw consent, exercise preferences or
access or correct your personal information, please contact your intermediary or contact our compliance department directly at 021 872 7065 or [email protected].
10. CHANGES TO THIS POLICY
This document might change as required from time to time. Please check this website periodically to inform yourself of any changes.
