Privacy Policy

How we collect, use, and protect your personal information

Last Updated: September 07, 2026

1. Introduction

Peaceguard ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, mobile application, and services (collectively, the "Service").

We comply with the Protection of Personal Information Act (POPIA) of South Africa and other applicable data protection laws. By using the Service, you consent to the collection and use of your personal information as described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly to us, including:

  • Account Information: Full name, email address, phone number, and password
  • Profile Information: Profile picture, user preferences, and settings
  • Policy Information: Details about your insurance policies, pension funds, savings, investments, wills, property, and other financial products
  • Next of Kin Information: Names, email addresses, and phone numbers of your nominated family members
  • Communication: Messages sent through the Service, including contact forms and support requests
  • Financial Needs: Information about your financial needs and selected providers

2.2 Information Automatically Collected

When you use the Service, we automatically collect certain information:

  • Usage Data: Pages visited, features used, and actions taken
  • Device Information: IP address, browser type, operating system, and device type
  • Location Data: Approximate location based on IP address
  • Cookies: We use cookies to enhance your experience and remember your preferences

3. How We Use Your Information

We use your personal information for the following purposes:

  • Service Delivery: To create and manage your account, provide the Service, and help your family find your policies when needed
  • Communication: To send you account updates, security alerts, and service-related notifications
  • Customer Support: To respond to your inquiries and provide assistance
  • Service Improvement: To analyze usage patterns and improve the Service
  • Security: To protect against fraud, unauthorized access, and other security risks
  • Legal Compliance: To comply with applicable laws and regulations
  • Partner Connections: To connect you with selected financial providers when you submit an enquiry

4. Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds:

  • Consent: You have given us explicit consent to process your information for specific purposes
  • Contract: Processing is necessary for the performance of a contract with you
  • Legal Obligation: Processing is required to comply with a legal obligation
  • Legitimate Interest: Processing is necessary for our legitimate business interests, provided they do not override your rights

5. Data Sharing and Disclosure

We do not sell, rent, or lease your personal information to third parties. However, we may share your information in the following circumstances:

5.1 With Your Family Members

When you pass away, we will share your policy information with your nominated family members so they can locate your policies and financial products. This is the core purpose of our Service.

5.2 With Financial Providers

When you submit a financial needs enquiry, we share your contact information and selected products with the providers you have chosen to assist you.

5.3 Service Providers

We may share your information with trusted third-party service providers who assist us in operating the Service, such as hosting providers, email service providers, and analytics providers. These providers are bound by confidentiality obligations.

5.4 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect the rights, property, or safety of Peaceguard, our users, or others.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include:

  • Encryption of data in transit and at rest
  • Secure authentication and access controls
  • Regular security audits and vulnerability assessments
  • Employee training on data protection and security
  • Limited access to personal information on a need-to-know basis

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with the Service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

After you close your account or after you pass away, we will retain your information for a reasonable period to ensure your family can access your policies and to comply with legal and regulatory requirements.

8. Your Rights

Under POPIA and applicable data protection laws, you have the following rights:

  • Right to Access: You can request a copy of the personal information we hold about you
  • Right to Rectification: You can request corrections to inaccurate or incomplete information
  • Right to Deletion: You can request the deletion of your personal information (subject to legal obligations)
  • Right to Restriction: You can request restrictions on how we process your information
  • Right to Object: You can object to our processing of your information
  • Right to Data Portability: You can request a copy of your data in a structured format
  • Right to Withdraw Consent: You can withdraw your consent at any time

To exercise any of these rights, please contact us using the details provided in Section 13.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on the Service. Cookies are small data files stored on your device that help us remember your preferences, analyze usage, and improve the Service.

We use the following types of cookies:

  • Essential Cookies: Necessary for the Service to function properly
  • Preference Cookies: Remember your preferences and settings
  • Analytics Cookies: Help us understand how users interact with the Service
  • Session Cookies: Maintain your session while you are logged in

You can control or disable cookies in your browser settings, but this may affect the functionality of the Service.

10. Children's Privacy

The Service is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete it.

11. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Contact Information

If you have any questions, concerns, or comments about this Privacy Policy or our data protection practices, please contact us:

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on the Service and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

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