Privacy Policy | Excessible (Pty) Ltd

Excessible (Pty) Ltd respects your privacy and is committed to protecting your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and the Financial Advisory and Intermediary Services Act (FAIS). This policy explains how we collect, use, store, and protect your personal information.

1. Who We Are

Excessible (Pty) Ltd ("Excessible", "we", "us", "our") is a registered short-term insurance broker and authorised Financial Services Provider (FSP No. 55248), regulated by the Financial Sector Conduct Authority (FSCA).

Physical address: 61A George St, Glen Austin AH, Midrand, Gauteng, 1685
Email: info@excessible.co.za
Phone: 010 534 7537

2. Information We Collect

We may collect and process the following categories of personal information:

2.1 Information you provide directly

Full name and surname
South African ID number or passport number
Contact details (email address, mobile number, physical address)
Risk address and property/asset details
Existing insurance policy schedules and claims history
Financial information relevant to underwriting your risk

2.2 Information collected automatically

Website usage data via cookies and analytics tools
IP address and browser/device type
Pages visited and time spent on the site

3. How We Use Your Information

We process your personal information for the following lawful purposes:

To provide insurance quotations and intermediary services
To manage your insurance policy and handle claims on your behalf
To comply with our legal and regulatory obligations under FAIS, POPIA, and FSCA directives
To communicate with you about your cover, renewals, and policy changes
To assess and manage risk on behalf of our insurer partners
To improve our services and website experience
To send you relevant product and service information (you may opt out at any time)

4. Sharing Your Information

We do not sell your personal information. We may share it with:

Insurer partners — for underwriting and claims purposes (e.g. Hollard, Santam, Old Mutual Insure, MiWay)
Reinsurers and underwriting managers — where required by the terms of your cover
Regulatory authorities — including the FSCA, where legally required
Service providers — including IT, cloud storage, and communications providers who process data on our behalf under binding confidentiality agreements

All third parties with whom we share your data are required to handle it in accordance with POPIA.

5. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, and in compliance with applicable legal requirements. Insurance records are generally retained for a minimum of five (5) years after the termination of a policy.

6. Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, or destruction. These include secure data storage, access controls, and staff training on data protection.

7. Your Rights Under POPIA

You have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Object to the processing of your personal information
Request deletion of your personal information (subject to legal retention obligations)
Lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, contact us at info@excessible.co.za.

8. Cookies

Our website uses cookies to enhance your browsing experience and collect anonymous usage data. By using our website, you consent to our use of cookies in accordance with this policy. You may disable cookies in your browser settings, though this may affect certain functionality.

9. Information Regulator

If you believe we have not handled your personal information appropriately, you may contact the Information Regulator of South Africa:

Website: inforegulator.org.za
Email: inforeg@justice.gov.za
Phone: 010 023 5207

10. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available at www.excessible.co.za/privacy/. We encourage you to review it periodically.

11. Contact Us

For any privacy-related queries or requests, please contact:

Excessible (Pty) Ltd — Information Officer
61A George St, Glen Austin AH, Midrand, 1685
info@excessible.co.za
010 534 7537