We are committed to safeguarding your Personal Information. Welcome to the privacy page of our Website.
EduX is dedicated to upholding the privacy, security, and online well-being of our clients' Personal Information. We take our responsibility to safeguard your Personal Information seriously, implementing every reasonable precaution to shield it from theft, unauthorized access, and service disruption.
EduX utilizes your information for various purposes, including providing our services to you and others, and fulfilling our legal and regulatory obligations.
For detailed insights on how we gather, utilize, share, and safeguard your Personal Information in compliance with the Protection of Personal Information Act (POPIA), please refer to our Privacy Notices and Policies below.
Privacy Notice This notice aims to enlighten you, referred to as the 'data subject', on how we gather, utilize, share, and safeguard your Personal Information as mandated by the Protection of Personal Information Act (POPIA).
Privacy Notice
Introduction
EduX Financial Services, situated at 276 Voortrekker Road, Krugersdorp, 1739 ("Surex"), acknowledges the critical importance of safeguarding your Personal Information. This Privacy Notice delineates Surex's procedures for processing your Personal Information in the regular course of conducting its business and extends to Surex's website.
What Personal Information We Collect
User Information
Surex gathers information that you voluntarily provide, including:
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Personal Information such as full names, sex, gender, address, smoking status, highest education, identity number or passport number, employment number, monthly income, banking details, email address, telephone number, cellular number, language preference, and medical or health information (where applicable).
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Distribution of your Estate - special bequests and residue.
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Last wishes (optional).
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Organ donor registration (optional).
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Nominations for Executors, Trustees, and Guardians.
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Testamentary drafting notes (optional).
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Nomination of Beneficiaries, including Children’s details (if applicable).
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Intermediary and fulfilment preferences.
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Asset and liability values that make up the total value of your Estate.
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Online information, such as cookies and IP address (your computer’s internet address), if you use our websites, apps, and/or social media channels.
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Any other information required by Surex, suppliers, insurers, or third parties to provide an accurate analysis for Estate planning and issue a policy or process a claim.
We may collect information that you submit when you contact customer support or provide feedback.
Information from Other Sources
This may include:
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Users providing your information in connection with referral programmes.
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Users requesting services for you or on your behalf.
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Publicly available sources.
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Data aggregators.
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Credit bureaus.
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Fraud prevention agencies.
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Marketing service providers.
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How Surex Uses Your Personal Information
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Providing Services and Features
Your information will solely be used for the purposes for which it was intended. These may include:
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Drafting a Last Will and Testament, Codicil, or any amendments thereto.
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Financial needs analysis.
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Issuing or providing a product or service and generally carrying out the transaction requested.
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Managing and servicing your policy.
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Processing your requests or instructions.
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Underwriting.
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Undertaking credit reference searches and/or verification.
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Assessing and processing claims.
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Claims history and reporting.
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Detection of fraud, crime, money laundering, or other malpractice.
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Conducting market or policyholder research and ensuring that the product and services remain relevant.
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Providing you with information about our products and services from time to time via email, telephone, or other means.
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Auditing and record-keeping.
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Legal proceedings.
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Complying with legal and regulatory requirements.
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Safety and Security
We may use your data to help maintain the security of our services.
Customer Support
Surex utilizes the information collected to assist you when you contact customer support, including investigating and addressing your concerns, managing and servicing your policy, and monitoring and improving our response.
Communications from Surex
Subject to applicable laws, Surex may use information to communicate with you regarding marketing materials and to promote and provide you with relevant adverts and content about our services.
How We Collect Personal Information
We may collect your Personal Information in a variety of ways when you interact with us, including through completed Application Forms, engagement for products or services, response to your inquiries and requests, communications between you and financial advisors or representatives, feedback from you about our services, and when you access and use our websites. We may also collect your Personal Information from third-party sources and third parties, including public databases, business partners with whom we offer co-branded services or engage in joint marketing activities, and third parties that provide list enhancement or similar services.
Legal Grounds for Processing
By virtue of your engagement with Surex, you acknowledge Surex's right to process Personal Information provided to Surex by you or some other party to enable Surex to fulfill its legal and contractual obligations. Personal Information may also be used based on the legitimate interests pursued by Surex or its affiliates, except where such interests are overridden by your interests or fundamental rights and freedoms, which require the protection of your Personal Information. In the event that you refuse to permit Surex to utilize your Personal Information in the manner described in this Privacy Notice, Surex will not be in a position to offer you use of its services. Surex may share your information other than as described in this notice if we notify you, and you consent to the sharing. In circumstances where you give us your consent for a specific purpose, you are entitled to withdraw that consent at any time. Be aware that in the event that you withdraw your consent, this will not affect any processing of your Personal Information that took place prior to such withdrawal, and it will not affect the processing of your Personal Information where there are other lawful grounds for processing your Personal Information. You are responsible for informing Surex if your information changes.
Transfers to Third Parties
Surex may share the information we collect with Surex subsidiaries and affiliates, service providers, and business partners, and other entities for legal reasons or in the event of a dispute.
Cross-Border Data Transfers
Your data may be subject to cross-border data transfers. When making cross-border transfers of Personal Information, Surex will ensure that the third-party processor (operator) is subject to a law, binding corporate rules, or binding agreement that provides an adequate level of protection for the lawful processing of your Personal Information and includes provisions relating to the further transfer of Personal Information from the recipient to third parties who are in a foreign country. Where applicable, Surex will contractually commit to employ suitable technical and organizational measures to protect your Personal Information as required by applicable law (hereinafter referred to as “Supplier Data Processing Agreements”), as well as other suitable safeguards recognized by Data Protection Laws.
Retention
Surex retains Plan Holders’ information for as long as necessary to provide our products and services and takes steps to prevent access to or use of such information for any purpose other than compliance with these requirements or for purposes of safety, security, and fraud prevention and detection. Surex may also retain certain information, if necessary, for its legitimate business interests, such as fraud prevention and enhancing Plan Holders’ safety and security.
Security of Your Personal Information
Surex is committed to protecting your Personal Information from misuse, loss, unauthorized access, modification, or disclosure by using a combination of physical, administrative, and technical safeguards and contractually requiring that third parties to whom we disclose your Personal Information do the same. While Surex makes every effort to secure its websites, you should note that the internet is not completely secure; thus, when you submit or post Personal Information online, you should be aware that Surex cannot guarantee the security of any Personal Information that you submit or post online.
Website
By using the Surex website, you accept that your Personal Information may be disclosed to Surex employees, suppliers, and marketing agents where this information is necessary for them to offer, evaluate, and enhance products and services offered on the Surex website. Surex uses cookies on its website which are required for certain features
Terms and Conditions
SureX User Agreement
Definitions
"SureX" refers to all members of the SureX group and its subsidiaries.
"Personal Information" pertains to personal information as defined in the Protection of Personal Information Act, 2013.
"Processing" denotes the automated or manual activity of collecting, recording, organizing, storing, updating, distributing, and removing or deleting Personal Information.
"Terms of Use" signifies these terms of use, as may be amended by SureX periodically through publication on this Website.
“We", "us", "our" refers to the owner of the Site, namely SureX, with head offices at 276 Voortrekker Road, Krugersdorp, 1739
"Website" denotes this website at www.surex.insure
"You" and "your" signifies the user of the Site.
Conditions of Access
Your access to, and utilization of, this Website is contingent upon these Terms of Use.
By utilizing this Website, you consent that these Terms of Use govern your use of the Website. It is advised that you routinely check this Website for any alterations to these Terms of Use, as the Terms of Use displayed at the time of your Website usage will be applicable.
You may not:
Employ the Website in a manner that could damage, disable, overburden, or impair any SureX server (computer) or network connected to any SureX server, or interfere with any other party's Website usage;
Interfere with any content displayed on this Website or attempt or gain unauthorized access to the information displayed on this Website or to any secure area on the Website, a SureX server, or any other part of SureX's information system. Any such attempt, whether successful or unsuccessful, is unlawful and constitutes an offense under the provisions of section 86 of the Electronic Communications and Transactions Act No. 25 of 2002, for which prosecution may ensue, and, if found guilty, punishment may be imposed.
Create a link from another website to this Website without SureX's prior written consent;
Frame this Website or any of its pages without SureX's prior written consent.
Copyright And Trademarks
Your access to this Website and the information contained therein does not grant or convey to you any rights in or to any material displayed or accessible from the Website, including all text, layout, graphics, artworks, animation material, and general representation of the Website, or in any of the trademarks, copyright, designs, patents, domain names, know-how, or any other intellectual property rights vested in SureX or in the author, compiler, creator, or licensor of such information.
All SureX trademarks, logos, brands, domain names, and other marks and intellectual property relating to this Website or any information contained or accessible from this Website remain the sole and exclusive property of SureX and the relevant authors or licensors. You undertake not to use, duplicate, distribute, disseminate, adapt, display, alter, or otherwise deal with such intellectual property without SureX's prior written approval.
Information retrieved, viewed, downloaded, or otherwise obtained from this Website may only be used for your personal and non-commercial purposes. Such information and/or data may not be sold, resold, transmitted, or otherwise made available or disseminated to any third parties without SureX's prior written consent.
You agree not to change or delete any proprietary notices contained in any material, data, or information downloaded or otherwise retrieved from this Website.
Under no circumstances may you use, duplicate, distribute, reverse, engineer, disassemble, decompile, reproduce, transcribe, store in a retrieval system, translate into any language or computer language, retransmit in any form or by any means (electrical, mechanical, photo reproduction, recording, or otherwise) any material, information, or content viewed, downloaded, or otherwise retrieved from this Website without SureX's prior written consent.
Links to Third Party Sites
Linked Sites are not subject to the control of SureX, and SureX is not responsible for the contents of any Linked Site or any further link contained in a Linked Site. SureX provides links solely as a convenience, and the inclusion of any link does not imply SureX's endorsement, authorization, or sponsorship of that Linked Site or affiliation with its owners or sponsors.
Electronic Transactions, Communications, and Records
By communicating with SureX via forms and chatbots on this Website, you consent to receiving responses to your communications by electronic communication addressed to you by SureX. You agree that all electronic agreements, notices, disclosures, and other communications sent by SureX satisfy any legal requirement that such communications should be in writing.
You accept the risks inherent in electronic communication in whatever form.
You consent to SureX acting on the information communicated to SureX electronically. You are responsible for ensuring that SureX has received the information communicated electronically.
Disclaimer
This Website and the information contained therein are provided "as is," and SureX makes no express or implied representations or warranties regarding them. Without limiting the generality
SureX does not warrant that the Website or information provided will be error-free or will meet any particular criteria of performance or quality. SureX expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security, and/or accuracy.
The content or information displayed on this Website or any Linked Site is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the Website or any Linked Site that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.
While SureX has taken reasonable measures to ensure the integrity of this Website and its contents, no warranty, whether express or implied, is given that any files, downloads, or applications available via this Website are free of viruses, trojans, bombs, time-locks, or any other data or code that has the ability to corrupt or affect the operation of your computer devices.
Limitation of Liability
SureX will not be responsible to you or any third party for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) arising, directly or indirectly, from the use of, or reliance upon, any content displayed on this Website.
SureX will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from any cause.
You hereby indemnify and hold SureX harmless against all and any loss, liability, action, lawsuits, proceedings, costs, demands, and damages of all and every kind (including but not limited to direct, indirect, special, or consequential damages), and whether in an action based on contract, negligence, or any other action arising out of or in connection with the failure or delay in the performance of the services offered on this Website or due to your use of this Website.
Online users must keep their personal usernames and passwords confidential at all times. SureX shall be entitled to presume the authenticity and validity of any online communication or transaction where the username and password of that online user are used to gain access to, view, and/or engage in any activity or transaction or service offered on this website.
The online users hereby indemnify SureX, its employees, representatives, and service providers and hold them harmless against any and all claims, losses, and damages that SureX or any third party may incur as a result of reliance placed on any information, data, and material furnished by a prospective policyholder or policyholder to SureX.
Personal Information
SureX will be Processing your Personal Information according to the Protection of Personal Information Act, No. 13 of 2013, and additional data protection laws. To find out more about how we use your Personal Information, you can access our Privacy Notice here.
Termination and Variation
SureX reserves the right to alter, restrict, and/or terminate the services on its Website, without notice or reason, or to revise these Terms of Use at any time. Such changes will be published on this Website and be deemed accepted by you if you continue to use the Website. The obligation is, therefore, on you to appraise yourself of the Terms of Use of this Website each time you use it.
General
These Terms of Use will be governed by and construed in accordance with the laws of South Africa, and you agree to submit to the exclusive jurisdiction of the South African courts. SureX’s failure to exercise any particular right or provision of these Terms of Use shall not constitute a waiver of such right or provision.
By using the Website, you expressly agree to these Terms of Use. If you do not agree to the Terms of Use, you should immediately cease use of the Website.
If any of the above Terms of Use is not fully enforceable in law for any reason, the remainder of the terms shall nonetheless continue to apply
Contact Form Disclosure
SureX, a product of EduX is an Authorised Financial Services Provider and is committed to complying with the Protection of Personal Information Act, 2013 (‘‘the Act”) . The Act requires us to conduct ourselves in a responsible and lawful manner when collecting, processing, and storing (“processing”) your personal information, imposing obligations on us, as the responsible party, to protect your personal information.
1. We will only process personal information in a lawful and in a reasonable manner, that does not infringe on your rights. We will at all times abide by your constitutional right to privacy and the protection of your personal information and take steps to ensure that your personal information collected is accurate.
2. We will only process personal information, given the purpose for which it is processed, that is adequate, relevant, and not excessive. We process your personal information pertaining to your needs for Estate planning purposes. Full details of the manner in which we process personal information is more fully outlined in our Privacy Notice on our website .
3. SureX may disclose your personal information to subsidiaries, joint venture companies and/or an approved product or third party product supplier whose services are utilised for the provision of certain products and/or services. SureX may also disclose information where it has a duty or right in terms of legislation, or deemed necessary to protect the rights of SureX.
By completing our contact form, you confirm that you are aware and agree that we will be communicating with you by phone, email, WhatsApp, or electronically to offer and provide our products and services in respect of Wills and Estate Planning needs.
For more information on how we protect, process or store your personal information, you can view our privacy notices on www.surex.insure