Privacy Policy

Introduction

Dire Wolf, a company incorporated in South Africa under registration number 2021/398161/07 and an authorised financial services provider under FSP license number, FSP 51573) (“Dire Wolf”, “we” or “us”) is strongly committed to protecting the privacy, security and online safety of its clients, employees, and service providers.

This commitment extends to personal information about you that we might possess or acquire. We strive to protect the personal information under our control and take certain precautions to help maintain the security and accuracy of that data.

This Privacy Policy describes how we collect, use and disclose information from and about you when you visit and use this website, and/or submit an application form for a quote or book a consultation with us.

By accessing or otherwise using the Website, you agree to the terms and conditions of this Privacy Policy, which is incorporated into the Website Terms of Use. We regularly review our compliance with this Privacy Policy. If you have any questions about the use of your information, or the contents of this Privacy Policy, please contact us at [email protected].

Collection of Information

Dire Wolf collects information from you when you choose to provide it to us. For example, we collect your information when you submit a webform requesting information about one of our Product offerings or otherwise contact us or provide information to us through the Website or over the Phone.

The information we collect may include personal information – such as your name, address, e-mail address, telephone number, identity number, medical information and the content of any communications that we exchange – as well as non-personal information when you:

sign up for a newsletter (you may unsubscribe from promotional emails by clicking “unsubscribe” on the emails you receive from us);
attend a webinar;
participate in our surveys;
communicate with us, for example by submitting queries regarding the Website or a Product and
use the Website.

In some cases, we require your personal information to prepare an insurance quote, manage your insurance portfolio or to comply with legal requirements as stipulated by the Financial Services Conduct Authority (FSCA).

Information Automatically Collected:

When using our website, we may also collect Information about how you use our website using cookies, pixel tags, and other similar technologies (collectively, “Cookies”).

What is a cookie:
- A cookie is a small file and holds a certain amount of data, which our website can send to your browser. It may then be stored on your computer’s hard drive and can be accessed by our web server. This cookie data can then be retrieved and can allow us to customise our web pages and services accordingly. It is important to clarify that cookies do not collect any personal data stored on your hard drive or computer. To find out more about cookies, visit www.allaboutcookies.org.

- Required Cookies
  - Required cookies enable your use of the Website, such as allowing you to log in to secure areas of the site. Required cookies are essential to operating the Website and, therefore, cannot be disabled.

- Analytics and Functionality Cookies
  - Analytics cookies help us monitor how visitors use our Website so we can, for example, understand which pages individuals visit, how often they visit them, and what improvements we can make to make the Website more useful. Functionality cookies remember information you’ve entered or preferences you’ve chosen. This allows us to optimise the Website for you. In particular, we use Google Analytics to understand usage and improve the functionality of the Website.

- Disabling or Deleting Cookies
  - You have the option to disable or delete non-required cookies using cookie control settings within your web browser. Please consult the user guide or other documentation for your web browser to learn how to manage cookies. You may refer to http://www.allaboutcookies.org/manage-cookies/index.html for more information about cookie management on commonly used browsers. To opt-out of Google Analytics tracking, you can visit the following link https://tools.google.com/dlpage/gaoptout. Disabling or deleting cookies may result in changes to the appearance or functionality of the Websites.

Dire Wolf uses cookies to help it compile aggregate statistics about usage of its websites. This information is used to improve content and personalise your user experience.

However, by modifying your Internet browser preferences, you can accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to reject all cookies you will be unable to use those services or engage in activities that require the placement of cookies.

Information Collected from Other Sources

In addition to the information you provide, Dire Wolf collects information from commercially available sources that it deems credible. Such information may include your name, address, email address and demographic data. This information may be stored in internal systems, all of which are protected by encryption and cyber security controls. These systems permit Dire Wolf employees to access and process such data solely for the purposes of customer fulfilment, customer administration, customer reporting, statistical analysis and marketing of Dire Wolf products and services. Individuals may have certain rights of access to personal information held by Dire Wolf and to have such data corrected where incorrect. Please contact either your personal financial advisor or our Compliance Department: [email protected] if you have any questions about this.

Failure to Provide Personal Information

Failure to provide certain information may make it difficult or impossible for you to access some services through the Website. You should ensure that personal information submitted to us is accurate and up to date. For example, we need a current email address to communicate with you about a Product in which you choose to get a quote on.

How we use your information

Purposes for Collecting and Processing Personal Information. We process personal information for the following purposes:

To fulfil a policy requirement or take steps linked to a policy or contract, including:
1. providing our services;
2. verifying your identity;
3. communicating with you.
To conduct Dire Wolf’s business and pursue our legitimate interests in marketing our business, ensuring that we conduct our business in line with our objectives, improving and developing our products and services, and keeping our records accurate and up to date. This includes:
1. using your information to provide products and services you have requested and responding to any comments or complaints you may send us;
2. personalising your experience with the Website and helping us to better respond to your individual needs;
3. targeting advertising to individuals with similar interests or characteristics through services offered by third parties;
4. developing new products or services or conducting analyses to enhance current products and services;
5. reviewing the usage and operations of the Website and analysing and improving the Website (we continually strive to improve the Website based on the information and feedback we receive from you);
6. contacting you for legitimate business purposes.
7. You may also have the right to object to our use of your personal data based on our legitimate interests as described at the outset of this Privacy Policy.
Where you give us consent. This includes:
1. where consent is required by applicable law, sending you direct marketing in relation to our relevant products and services, or other products and services provided by Dire Wolf;
2. on other occasions where we ask you for consent, using the data for the purpose which we explain at that time.
For purposes which are required by law. This includes:
1. in response to requests by government or law enforcement authorities conducting an investigation;
2. using personal information in connection with legal claims, compliance, regulatory and investigative purposes as necessary, including disclosure of such information in connection with legal process or litigation.

Your Control Over Your Information; Accessing and managing your personal information

If, at any time, after providing personal Information to Dire Wolf and, you wish to update, change, or request the deletion of such Information, please contact us at [email protected] with a detailed request.

If you believe your rights regarding your personal information have been infringed upon, please contact us at [email protected].

If you want to unsubscribe from communications, please follow the instructions shown in each email communication or contact us at [email protected].

How we Disclose your information

Dire Wolf shares your information with other entities or individuals in the following limited circumstances:

Service Providers: We will share your personal information with other insurers, industry bodies, credit agencies and Third Party Service Providers. This includes information about your insurance, claims and premium payments. We do this to assess claims, prevent fraud and to conduct surveys. We may utilise Third Party Service Providers to provide business, professional, or technical support functions or in providing the Service. These Service Providers are only given access to your information to the extent necessary to process your information and/or provide services to Dire Wolf and they are prohibited from using or sharing your information for any other purposes.

Legal Matters; Compliance: We access or share your information to satisfy any applicable law, regulation, legal process, or governmental request; in connection with an investigation on matters related to public safety; as permitted by law; or otherwise as required by law.

Fraud; Security: We access and disclose your information to detect, prevent, or otherwise address fraud, security, or other technical issues.

Consent; Other: We share information with third parties when we have your consent or otherwise as described to you at the point of collection.

International Transfers: We may transfer personal information from your location to other countries, including the European Economic Area, South Africa, the United Kingdom, where our employees and/or servers are located. Where your personal information is transferred outside of the country where you are located, such information is adequately protected by an adequacy decision by EU authorities, Standard Contractual Clauses, or a Service Provider’s Binding Corporate Rules.

Information Security and Data Retention

We are committed to protecting the security of your information. We maintain what we believe to be appropriate physical, electronic, and managerial procedures to safeguard and secure your information and to prevent unauthorized access, maintain accuracy, and ensure appropriate use of your information. The accuracy, safety, and security of your information also depend on you. Where we have given you – or where you have chosen – a password for access to any parts of the Website, you are responsible for keeping this password confidential. We ask that you not share your password with anyone. Even though we do our best to protect your information, the transmission of information via the internet is not completely secure, and we cannot guarantee our security measures. We are not responsible for any unauthorized access to or acquisition of your information.

We retain your personal information for as long as we have a relationship with you. We also may retain your personal information for a longer period which enables us to:

Maintain business records for analysis and/or audit purposes;
Comply with record retention requirements under the law;
Defend or bring any existing or potential legal claims;
Address any complaints regarding the services;
Enforce our commercial agreements; and
Support our legitimate interests, as described in this Privacy Policy.

Date of last update: 5 October 2023