Privacy Policy
1. Introduction
Janifam Brokers (Pty) Ltd ("Janifam Brokers", "we", "us", or "our") is committed to protecting the personal information of our clients, agents, and all persons who interact with us. This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with the Protection of Personal Information Act 4 of 2013 ("POPIA") and all applicable South African laws.
By using our website, portal, or services, or by signing a policy application, you acknowledge that you have read and understood this Privacy Policy and consent to the processing of your personal information as described herein.
2. Who We Are
| Company | Janifam Brokers (Pty) Ltd |
| Registration | 2021 / 574770 / 07 |
| Address | 93 St Vincent Drive, Belhar, 7493, Cape Town |
| info@janifambrokers.co.za | |
| Website | www.janifambrokers.co.za |
| Information Officer | Martin Jacobs |
| Deputy Information Officers | Elnita Jacobs | Alecia Thompson |
| IO Contact | info@janifambrokers.co.za |
3. Personal Information We Collect
3.1 Client Personal Information
- Full name, surname, and initials
- South African Identity Number or passport number
- Date of birth, gender, and age
- Contact details: phone number, physical address, email address
- Banking details (for premium payments and claim payouts)
- Next of kin and beneficiary information
- Dependent information (names, ages, ID numbers)
3.2 Policy and Financial Information
- Policy number and status
- Premium amounts, payment history, and arrears status
- Cover amounts and package details
- Claims history and claim payout information
3.3 Special Personal Information
We may, in the course of processing claims, collect special personal information including health information, cause of death, and related medical or funeral documentation. This is collected only where strictly necessary and with appropriate consent or legal authorisation.
4. How We Collect Your Information
- Policy application forms (paper or online at www.janifambrokers.co.za/apply)
- Our online client and agent portal at www.janifambrokers.co.za
- Direct communication: telephone calls, emails, WhatsApp, and in-person visits
- Agents acting on our behalf when completing applications or capturing payments
- Underwriters and other insurance service providers
- Automated systems, including our policy management and premium ledger systems
5. Purpose of Processing Your Information
5.1 Primary Purposes
- To assess and underwrite funeral insurance applications
- To issue and administer insurance policies
- To collect premiums and manage payment records
- To process and pay funeral claims
- To calculate and pay agent commissions
- To communicate with you regarding your policy and account
5.2 Compliance Purposes
- To comply with POPIA and all applicable South African laws
- To comply with FAIS obligations
- To comply with anti-money laundering (FICA) requirements
- To prevent, detect, and investigate fraud or misrepresentation
6. Legal Basis for Processing
- Your consent - provided when you sign a policy application or accept this policy on our portal
- Performance of a contract - to fulfil our obligations under your insurance policy
- Legal obligation - to comply with applicable laws and regulatory requirements
- Legitimate interest - to protect our business and prevent fraud
7. Sharing Your Information
We do not sell your personal information. We may share your information with underwriters, contracted agents (limited to their client portfolios), third-party service providers under data processing agreements, and regulatory or legal authorities where required by law.
8. How Long We Keep Your Information
| Information Type | Retention Period | Legal Basis |
|---|---|---|
| Policy records | 5 years after lapse | FAIS / POPIA |
| Claims records | 5 years after closure | Insurance Act |
| Payment and premium records | 5 years | Tax / FICA |
| Client correspondence | 3 years | POPIA |
| POPIA consent records | Duration of relationship + 3 years | POPIA |
9. Your Rights Under POPIA
- Right of access - to request confirmation of whether we hold your personal information
- Right to correction - to request correction of inaccurate or outdated information
- Right to deletion - subject to our legal retention obligations
- Right to object - to object to processing on grounds relating to your situation
- Right to withdraw consent - where processing is based on consent
- Right to lodge a complaint - with the Information Regulator of South Africa
10. How We Protect Your Information
- Secure HTTPS encryption for all portal and website communications
- Role-based access controls - agents can only view their own client portfolios
- Password-protected portal with individual login credentials
- Secure cloud hosting with daily automated backups
- Restricted backend access limited to authorised staff only
11. Cookies and Website Tracking
Our website uses session cookies required for portal login and navigation, functional cookies to remember your session state, and may use anonymised analytics.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and sending a notification to your registered email address where required.
13. Complaints
| Complaints Email | complaints@janifambrokers.co.za |
| Response Time | Within 10 business days |
If you remain dissatisfied, you may contact the Information Regulator of South Africa at inforeg@justice.gov.za or visit www.inforegulator.org.za.
14. Contact Us
| Information Officer | Martin Jacobs |
| martin@janifambrokers.co.za | |
| General | info@janifambrokers.co.za |
| Complaints | complaints@janifambrokers.co.za |
| Website | www.janifambrokers.co.za |
By signing a policy application form or by clicking "I Accept" on our online portal, you confirm that you have read and understood this Privacy Policy and consent to the collection and processing of your personal information as described herein.