Privacy Policy
Last updated: [Date]
This Privacy Policy explains how Albert Schuurman / AS Brokers (“we”, “us”, “our”) collects, uses, stores and protects your personal information when you visit our website, interact with our content, or use our services.
We are committed to complying with the Protection of Personal Information Act, 4 of 2013 (POPIA) and all other applicable South African privacy laws.
This policy applies to:
• Visitors to our websites (including asbrokers.online and any related landing pages)
• People who engage with us on platforms like YouTube, Facebook and LinkedIn
• Prospective, current and former clients
By using our website or providing us with your personal information, you agree to the practices described in this Privacy Policy.
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1. Who We Are
Responsible Party:
Albert Schuurman / AS Brokers
Authorised Financial Services Provider (FSP 17273)
Based in Krugersdorp, Gauteng, South Africa
For any privacy-related questions, you can contact us at:
Email: [[email protected]]
Phone: [011-9546641]
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2. What Personal Information We Collect
We collect and process different types of personal information, depending on how you interact with us. This may include:
2.1 Information you provide directly
• Full name
• Contact details (email address, phone number, physical address)
• Age or date of birth (where relevant to financial planning)
• Financial information you choose to share for retirement planning or product advice
• Information submitted via online forms (e.g. “Get Your Prompt”, “Download the 80+ Benefits List”, “Request a Call Back”)
• Communication preferences and consents
2.2 Information collected automatically
When you visit our website, certain information may be collected automatically, such as:
• IP address
• Browser type and version
• Device type
• Pages you visit and actions you take on the website
• Date and time of visits
This may be collected using cookies and similar tracking technologies (see section 7).
2.3 Information from third parties
We may receive information from:
• Social media platforms (e.g. if you send us a direct message or comment on our posts)
• Advertising platforms and analytics tools (e.g. aggregated performance statistics of our ads)
• Service providers that support our business systems (e.g. CRM or marketing platforms)
We only use this information in accordance with this Privacy Policy and POPIA.
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3. Why We Collect and Use Your Information
We process your personal information for the following purposes:
1. To provide advice and services
• Assess your financial needs, retirement goals and risk profile
• Prepare proposals, reports and recommendations
• Administer and manage policies, investments or other financial products
2. To respond to your enquiries
• Answer questions submitted via forms, email, or social media
• Schedule meetings or calls
3. To send educational content and marketing communications
• Provide retirement planning resources, prompts, calculators and guides
• Inform you about services, updates, events or offers you may find valuable
You can unsubscribe from marketing communications at any time.
4. To improve our website and content
• Understand how visitors use our website
• Improve user experience, design and messaging
• Measure the effectiveness of our marketing campaigns
5. To comply with legal and regulatory obligations
• Requirements under FAIS, FICA, POPIA and other applicable legislation
• Record-keeping, reporting and compliance audits
6. To protect our rights and manage risk
• Detect and prevent fraud, abuse or unauthorised access
• Exercise or defend legal claims if necessary
We aim to process only the minimum information necessary for the purpose for which it is collected.
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4. Legal Grounds for Processing (POPIA)
Under POPIA, we process your personal information on one or more of the following grounds:
• Your consent (e.g. when you opt in to receive emails or complete a form)
• Contractual necessity (e.g. when providing advice or implementing a product)
• Legal obligation (e.g. record-keeping, FICA, regulatory requirements)
• Legitimate interests, where our processing is necessary for running and improving our business and does not unfairly infringe your privacy rights.
You may withdraw your consent at any time for non-essential processing (such as marketing emails).
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5. How We Store and Protect Your Information
We take reasonable and appropriate technical and organisational measures to protect your personal information against:
• Loss
• Unauthorised access
• Unlawful processing
• Destruction or damage
These measures may include:
• Password protection and access controls
• Secure storage in reputable cloud-based systems
• Regular backups
• Limited access for staff and service providers on a “need-to-know” basis
While we take security seriously, no system is completely risk-free. If we become aware of any data breach that may significantly affect your rights, we will notify you and the Information Regulator where required by law.
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6. Sharing Your Information
We do not sell your personal information.
We may share your information with trusted third parties only where necessary and appropriate, including:
• Product providers (e.g. insurers, investment platforms) when you request or accept a financial product
• Administrative and technology service providers (e.g. CRM systems, email and marketing platforms, website hosting, automation tools)
• Professional advisers (e.g. compliance officers, auditors, legal advisers)
• Regulatory bodies and authorities where required by law
All such parties are required to handle your information in accordance with POPIA or equivalent data protection standards.
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7. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
• Remember your preferences
• Analyse website traffic and usage patterns
• Improve content and user experience
• Measure the performance of our marketing campaigns
You can control cookies through your browser settings. If you choose to disable cookies, some parts of our website may not function optimally.
We may also use analytics and advertising tools (such as Meta/Facebook Pixel or Google Analytics) to understand visitor behaviour and optimise our marketing. These tools generally collect data in aggregated form and do not identify you directly, but may be combined with other information where legally permitted.
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8. International Transfers
Some of our service providers or systems may be located outside South Africa. Where personal information is transferred across borders, we will ensure that appropriate safeguards are in place and that the recipient is subject to data protection laws or contractual obligations comparable to POPIA.
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9. How Long We Keep Your Information
We retain your personal information only for as long as necessary to fulfil the purposes described in this policy or as required by law, including:
• Regulatory and contractual record-keeping periods
• Time limits for potential legal claims or audits
When information is no longer required, we will securely delete, anonymise, or destroy it.
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10. Your Rights Under POPIA
You have the following rights regarding your personal information:
1. Right of access – to request confirmation of whether we hold personal information about you and to receive a copy.
2. Right to correct or update – to request that we correct any inaccurate or incomplete information.
3. Right to delete or restrict processing – in certain circumstances, to ask us to delete or limit how we use your information (subject to legal and regulatory requirements).
4. Right to object to direct marketing – you may object at any time to receiving marketing communications.
5. Right to withdraw consent – where processing is based on your consent.
To exercise any of these rights, please contact us using the details in section 1. We may require proof of identity before responding to a request.
If you are not satisfied with how we handle your personal information, you may lodge a complaint with the Information Regulator of South Africa. We encourage you to contact us first so we can try to resolve the issue directly.
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11. Third-Party Websites and Social Media
Our website, YouTube channel, Facebook page and LinkedIn profile may contain links to other websites or services that are not controlled by us. This Privacy Policy does not apply to those third-party sites.
We are not responsible for the privacy practices of third-party websites or platforms. We recommend that you read their privacy policies before providing any personal information to them.
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12. Children’s Information
Our services and content are intended for adults, particularly individuals approaching or in retirement, and business owners. We do not knowingly collect personal information from children under the age of 18 without appropriate consent from a parent or guardian. If you believe we have collected information from a minor without consent, please contact us so that we can take appropriate steps.
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13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, technology, or legal requirements. The “Last updated” date at the top of this page will indicate when the latest changes were made.
We encourage you to review this policy periodically. Your continued use of our website or services after changes are published will be regarded as acceptance of the updated policy.
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14. Contact Us
If you have any questions, concerns or requests relating to this Privacy Policy or our handling of your personal information, please contact:
Albert Schuurman / AS Brokers
Email: [[email protected]]
Phone: [0119546641]
Postal/Physical Address: [Kenmare Krugersdorp Gauteng South Africa]