Privacy policy

We know that you value your privacy, and therefore we will do our best to respect that. We will exercise care in dealing with your personal and confidential information submitted to Different Life via the website www.differentlife.co.za (Website), and undertake to deal with it in a lawful manner. The personal information requested from you will be used for the purpose of assessing and providing you with an insurance policy, and is essential in order for Different Life to conduct its business. Your personal information will be processed and maintained in accordance with accepted information management norms to ensure the privacy and confidentiality thereof, and that it is accurate and up to date. Different Life will not disclose your personal information to any third party except if it is required to do so in the ordinary course of business, or where required by law. Should you wish to have access to your personal information records maintained by us, Different Life will make this information available following receipt of such request.

Information used for monitoring purposes

You will be able to browse the Website without Different Life collecting any personal information from you. However, the Website servers will collect the IP address of your computer for analytical purposes (including to determine which areas of the website are most popular etc.) but will not collect your e-mail address or any other distinguishing information. The information that is collected, will be aggregated which means that identification is possible.

Processing and collection of certain personal information

Different Life may collect and process certain personal information for communication and administrative purposes. Collection and processing of this information will help us render better service to you, and create products tailored to meet your needs. Subject to the exceptions stated below, Different Life will obtain your express consent before collecting, processing, maintaining or disclosing your personal information for marketing purposes. Information that we collect may be stored and processed in, and transferred to, countries outside South Africa, but such countries shall have the same level of data protection as is applicable in South Africa. In the following circumstances, Different Life may collect, process or deal with your personal information without your consent:

• If Different Life is specifically requested, and required by law, to deliver certain personal information

• If the disclosure of personal information is necessary to protect Different Life’s interest

• If the disclosure of personal information is in the public interest (e.g. for the prevention of crimes) and there are legitimate grounds for such disclosure

• If de-identified personal information is required for statistical purposes

Online customer care surveys

To enhance service standards, Different Life may occasionally request that you participate in an online customer care survey. In such cases, Different Life will tell you how information obtained during the survey will be used, and will give you the option to opt-out of the survey. We don’t like spam either. We will not sell your e-mail address or other contact details to third parties for their marketing purposes. Only if you agree to it, will we use your personal information to let you know about new products that may interest you, via e-mail or SMS. You may unsubscribe for such communications at any time, by simply selecting the unsubscribe option on any communication sent to you.

Security

Different Life is committed to providing secure online services to visitors to the Website. To ensure that this happens, Different Life employs appropriate physical and technological protocols to safeguard personal information provided to us. All personal information including banking details, name and addresses are encrypted as it is transmitted over the internet. Different Life’s internet servers are also protected by firewalls and access to personal information is limited to minimal authorised personnel of Different Life. The security of the Different Life website and systems is also tested on a regular basis by an expert, and every effort is made to ensure that security is at an optimum level at all times. Despite these measures, Different Life cannot warrant that your information will be 100% secure, but will do its best to do so.

Password protection

When accessing the services offered on our Website, part of the security measures taken include the issuing of a password. It is your sole responsibility to keep the password secure, and to not allow any other person to use your password. You agree that you will not hold Different Life liable for loss or damages of any nature that may be suffered as a consequence of the unauthorised use of your password. Cookies. Cookies are used in the process of user recognition, and allow the Different Life web server to recognize you when you visit the Website. The type of information gathered to enable recognition is non-personal. Your username and e-mail address will be saved using cookies so that you need not re-enter these details every time you visit the Website. No personal information is ever stored in a cookie. You may choose to prevent your browser from accepting any cookies, which will prevent your username and e-mail address from being saved.

Interception of Communications

You agree that Different Life shall have the right to intercept, block, filter, delete, disclose and use all communications sent or posted by you to the Website, subject to the provisions of the Regulation of Interception of Communications Act, 2002 (RICA). Furthermore, you agree that the consent provided by you can be deemed to satisfy the requirement for written consent, as detailed in the Electronic Communications and Transactions Act, 2002, and RICA.

Websites belonging to third parties

This privacy policy only applies in respect of personal information collected via the Website. Any other websites linked to this Website requesting personal information from you are not subject to this privacy policy and therefore Different Life cannot take responsibility for the security or privacy practices of such third party sites.

Updating of the privacy policy

Different Life may, from time to time, in its sole discretion, amend this privacy policy to meet legislative and other requirements. All amendments thereto will be posted on the Website. In the event of conflict, the most recent version of the privacy policy shall supersede and replace all previous versions of the privacy policy.

You have not lived today until you have done something for someone who can never repay you

John Bunyan