Privacy Policy

1. Introduction

YachtInsurance.co.za ("we", "us", or "our") is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, share, and protect the personal information you provide when using our website at yachtinsurance.co.za.

We comply with the Protection of Personal Information Act (POPIA), No. 4 of 2013, and related regulations applicable in South Africa.

2. Who We Are

YachtInsurance.co.za is a marine insurance referral service operated by Cover4You. We are not a licensed Financial Services Provider (FSP). We connect visitors seeking yacht and marine insurance with licensed insurance brokers and advisers who are registered with the Financial Sector Conduct Authority (FSCA).

For privacy queries, contact us at: hello@cover4you.co.nz

3. Information We Collect

We collect the following categories of personal information:

Information you provide directly:

• Full name
• Email address
• Phone number
• Vessel type, make, model, and estimated value
• Mooring or storage location
• Any additional details you include in your enquiry

Information collected automatically:

• IP address and browser type
• Pages visited on our website and time spent
• Referring website
• Device type and operating system

We use cookies and similar technologies to collect some of this information. You can manage your cookie preferences through your browser settings.

4. How We Use Your Information

We use your personal information for the following purposes:

• To connect you with licensed marine insurance brokers who can provide you with a quote
• To communicate with you about your enquiry
• To improve our website and services
• To comply with legal and regulatory obligations
• To prevent fraud and ensure the security of our services

We process your personal information on the basis of your consent (provided when you submit the quote form) and our legitimate interests in operating our referral service.

5. Sharing Your Information

When you submit a quote request, your personal information will be shared with licensed marine insurance brokers who can provide the services you have requested. These brokers are bound by their own privacy obligations under POPIA and their FSCA registration conditions.

We may also share your information with:

• Service providers who assist us in operating our website (subject to data processing agreements)
• Regulatory authorities where required by law
• Law enforcement where required by valid legal process

We do not sell your personal information to third parties for marketing purposes.

6. Data Retention

We retain your personal information for as long as is necessary to fulfil the purposes set out in this policy, or as required by applicable law. Quote enquiry data is typically retained for a period of 24 months from the date of submission, unless you request earlier deletion.

7. Your Rights Under POPIA

Under POPIA, you have the following rights regarding your personal information:

• Right of access: You may request a copy of the personal information we hold about you.
• Right to correction: You may request that we correct inaccurate personal information.
• Right to deletion: You may request that we delete your personal information, subject to our legal obligations to retain certain records.
• Right to object: You may object to the processing of your personal information in certain circumstances.
• Right to complain: You may lodge a complaint with the Information Regulator of South Africa.

To exercise any of these rights, contact us at hello@cover4you.co.nz. We will respond within 30 days.

8. Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction. Our website uses SSL/TLS encryption for data transmission. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before submitting any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post any changes on this page with an updated effective date. Your continued use of our website following any changes constitutes your acceptance of the revised policy.

11. Contact Us

For any privacy-related questions, requests, or complaints, please contact us at:

Email: hello@cover4you.co.nz

Information Regulator (South Africa)
Website: www.justice.gov.za/inforeg