This Privacy Policy governs the manner in which NBCRFI treats your personal information collected electronically when you use our website, contact us electronically or register for one of the services offered on the website.

We respect your privacy and your personal information and for this reason, we take all reasonable measures, in accordance with this Policy, to protect your personal information and to keep it confidential. We also voluntarily subscribe to the principles, outlined in Section 51 of the Electronic Communications and Transactions Act 2002 ("ECT Act"), which govern your right to having your personal information kept private. We briefly outline these principles below:

We will only disclose, collate and process ("use") your personal information with your express written permission unless legally required to do so, and will only electronically use such information for the lawful purpose for which it is required.

We will disclose in writing, the specific purpose for which we use, request and store your personal information. We will also keep a record of that personal information and the specific purpose for which we collect it.

We will not use your personal information for any other purpose, other than that which we disclosed to you, unless you give us your express written permission to do so, or unless we are permitted to do so by law.

By using our website, applying online for certain products and services or registering for one of the services offered on the website you hereby provide us with your express written permission to share certain of your personal information with our shareholders and other business partners) in the ordinary course of our business of providing you with the services.

What is Personal Information?

Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, and your payment records. In short, any information that we know about you will be regarded as your personal information. Personal information is further defined in the Electronic Communications and Transactions Act 25 of 2002.

How we collect your Personal Information

Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us we will collect your personal information.

Why and How we collect and use Personal Information

In order to make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us. The following are reasons (i.e. disclosed reasons) why we would collect your personal information:

in order for us to process your instructions or requests;

in order for us to ensure that we meet your needs, we may collect and analyse your personal information and, with your express consent.

Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.

If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party, you may at any stage withdraw your consent.

Because we are not responsible for any representations or information or warranties or content on any website of an affiliate party (including websites linked to this website or websites facilitated by us), we do not exercise control over affiliate parties' privacy policies and you should refer to the privacy policy of any such affiliate party to see how such party protects your privacy.

We use cookies. In case you were wondering, we use the word "cookie" to refer to information that is sent from this website to your hard drive, where it is saved. In this way, the next time you use this website we will know who you are and that you have visited this website before.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time and you agree to view the current version of this Privacy Policy whenever you visit this website. The current version of this Privacy Policy will become binding on you whenever you visit this website.

Which laws apply

This Privacy Policy will be governed by the laws of South Africa. You consent to the jurisdiction of the South African courts for any dispute which may arise out of this privacy policy.