Our Commitment to Privacy

Credico Financial Services (Pty) Ltd, the company which owns Moneyexpert, is committed to keeping the data that we collect private, within a secure environment, through the use of our software. We therefore aim to provide an environment in which you know that we respect your right to privacy and will do whatever we can to ensure that any information you provide to us remains private. Any such information will only be used for the purposes described below.

We have implemented policies, rules and technical measures to protect the Personal Data that we have under our control from unauthorised access, improper use or disclosure, unauthorised modification, unlawful destruction or accidental loss. All our employees, who have access to and are associated with the processing of Personal Data, are obliged to respect the confidentiality of our visitors’ Personal Data.

This Privacy Policy explains the steps we take to ensure information about you is kept secure and confidential. This Privacy Policy also explains what happens to the information that you supply to us. We will not use your Personal Data in any other way without first informing you.

Please take time to read this Privacy Policy carefully, as once you use our website, you will be regarded as having read and accepted this Privacy Policy. You should not use our website if you do not accept this policy.

Personal Data we collect

Credico Financial Services (Pty) Ltd collects data to operate effectively and provide you with the best experience with our services. Depending on our services, the data we collect will include the following:

  • Name and contact data: first and last name, email address, postal address, phone number, and other similar contact data.

  • Demographic data: your age, gender, and country.

The Personal Data we collect to provide our services and enhance your experience (your “Personal Data”) is used in accordance with the terms of this privacy policy and related policies and data protection regulations.

For the use of our price comparison service, we might ask you for Sensitive Personal Data when it is needed to provide you with the most accurate quotes from our partners. For this purpose, your explicit consent will be required each time such data is collected and processed in accordance with this policy.

Why we collect and use your Personal Data

Credico Financial Services (Pty) Ltd collects and uses your personal details to allow us to provide the service which you are seeking, and to enable us to ensure that our services are as personalised and accurate as possible.

How we collect your Personal Data

We collect your information purely through your input. By this we mean that we do not gather Personal Data through the use of cookies, although they are employed for other reasons beyond Personal Data analytics, and instead rely on individual input, be it by filling out a form for an insurance quote, or having one of our agents do so for you.

We obtain your information from you through our websites, or through channels or applications operated by us, or on our behalf, or on behalf of our trading name Moneyexpert.

Who we share your Personal Data with

By using our website, and completing an enquiry form, you will be requested to give your consent to Credico Financial Services (Pty) Ltd contacting you by phone, e-mail or otherwise to inform you about products and services that may be of interest to you. This consent is to be formed through an explicit means on the quote submitted to Credico Financial Services (Pty) Ltd, or its partners. 

If you provide your consent for this purpose, Credico Financial Services (Pty) Ltd will share your Personal Data with third party email service suppliers to send our customers emails.

If you do not wish to be contacted by us via email in future, please click the unsubscribe link in the email and follow the instructions. We will then cease to contact you via email to offer products and services.

How do I unsubscribe?

You may unsubscribe at any time by emailing us at unsubscribe@moneyexpert.co.za, requesting that your email address is removed.

Credico Financial Services (Pty) Ltd’s price comparison service involves us passing the details you input on our website to our partners, or in other cases your information being input directly into their system. Please be aware that at any point where you have been forwarded to a third party website it is your responsibility to review their applicable terms of service and privacy policy. This enables our partners to provide us with quotations on the products and services that you have requested. If you do decide to enter into a contract with one of our partners, then the information which we have supplied to them (as well as any further information requested by them to enable to them to complete the contract) will be held by the partner. You are therefore advised to read the partners privacy policy before entering into any contract with them.

Credico Financial Services (Pty) Ltd may also disclose your Personal Data to government bodies and regulators where required to do so by law, or where necessary for Credico Financial Services (Pty) Ltd to fulfil our regulatory obligations.

How we protect your Personal Data

Protecting your information is one of our top priorities, so we use a world leading hosting service who hold all of your data. Any individual with access to your data goes through a rigorous reference and disbarring services check, and no hard copies of Personal Data are created at any point. All data transfer is secured using modern encryption technologies.

Tracking Data Policy

We obtain non-personal data by using cookies and other similar technologies. These technologies help us analyse web traffic and lets us know when you visit a particular web page.

We only use cookies and similar technologies for:

  • Remembering your preferences and storing your settings

  • Performing statistical analysis

  • Analysing our website performance

Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. We know that people have concerns about cookies, but we believe that the benefit we both gain from their proper use is worthwhile. You may change your web browser settings to notify you of cookie placement requests or decline cookies by default.

Changes to the Policy

We may need to amend this Privacy Policy from time to time. Any such amendment will take effect as soon as it is posted on the website. You are therefore encouraged to familiarise yourself with the Privacy Policy on a regular basis.

Indemnity

Each Visitor agrees to indemnify, defend, and hold harmless Moneyexpert (and those related to it and its officers, agents, co-branders or other partners, and employees) from and against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys’ fees) arising out of or relating to its use of this web site. If you have any questions or concerns do not hesitate to contact us at info@moneyexpert.co.za.