Email Disclaimer

Recipients of E-mail from FedGroup

E-mails and their attachments (collectively referred to as “e-mail”) from FedGroup are intended for the named recipient/s ONLY. If you are not the named recipient (or their authorised representative) or a recipient of a copy of the e-mail, or have otherwise received the e-mail in error:

Kindly notify the sender (as specified in the e-mail) using the contact details contained in such e-mail. You must delete this message once you have notified the sender

You may not forward, copy or otherwise transmit or disseminate the e-mail or any of the contents thereof to any person other than the named sender or an employee of FedGroup

You may not print, save or otherwise store the e-mail or any of the contents thereof in electronic or physical form.

The board of directors regularly reviews the mix of skills and experience of the administrators, to assess their effectiveness. FedGroup has an internal audit, risk and compliance committee, which independently report to the board of directors.

Confidentiality of E-mail from FedGroup

The e-mail and its contents are confidential, unless specifically stated or if this is manifestly clear from the context (including, by way of example, press releases and other official statements, issued by way of e-mail). If you are not certain of the confidentiality status of an e-mail please contact the sender to confirm this.

Monitoring of E-mail at FedGroup

We reserve the right to intercept and read emails sent or received by our employees. If you do not wish for your communications to be subjected to such scrutiny, you should not communicate via this email system. You agree that your communications may be intercepted, as defined in the Regulation of Interception of Communications Act 70 of 2002 (as amended), by the Owner or any other competent authority.

Damages arising from any E-mail from FedGroup

FedGroup accepts no responsibility for any loss or damage of whatsoever nature that maybe caused or brought about, directly or indirectly, by the use of email, internet website or reliance on any information contained therein. Calculators available on the site are intended only to provide an indication of the amounts calculated. While we use our best endeavors to prevent loss or damage to third party systems, we will not be held liable for any loss or damage due to viruses or other malicious code in an e-mail, corruption of data or any “denial of service” or similar exploit caused by a virus or malicious code.

Transmission and Receipt of E-mail from FedGroup

In accordance with the Electronic Communications and Transactions Act of 2002 e-mail is only deemed to be received by us once this is confirmed to you orally or in writing and e-mail is deemed to have been sent by us as soon as this is reflected in our service provider’s mail server logs.

Privacy Statement

At FedGroup your privacy is as important to us as it is to you, and we are committed to protecting your privacy. FedGroup will safeguard the security and confidentiality of all information the User shares with us. All User information will be treated as confidential and will not be disclosed to third parties, except in situations where:

We are legally compelled to do so.

Disclosure is made at your request or upon your written consent.

Protection of Personal Information Act, 2013 (POPI)

You acknowledge that by using the website, email, telephonic and fax services with FedGroup you will be providing FedGroup with personal data, which may be protected by data protection legislation, including inter alia, the Protection of Personal Information Act, 2013 (POPI). You authorise us to process all such personal data and to transmit any such personal data to any Affiliate (which Affiliate may also process such personal data) for the purposes of performing the Contract and in furtherance of FedGroup’s legitimate interests including statistical analysis, marketing of our services and credit control. You also authorise us to process and transmit your personal data in the manner contemplated in this Privacy Statement.

For purposes of this Privacy Statement, “Affiliate” means any member of the FedGroup group of companies, including without limitation, any subsidiary, sub-subsidiary, holding company, fellow subsidiary of any holding company of FedGroup Holdings (Pty) LTD. “Website” means any FedGroup internet website service, including, but not limited to social networks.

You authorise FedGroup to furnish information, which may be protected by data protection legislation, including inter alia, POPI, regarding your Account and its history to any person we reasonably determine to be seeking a credit reference) in good faith for any lawful purpose.

Collection of your Personal Information

AFedGroup collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number, employment, beneficiary and bank details. FedGroup also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by FedGroup. This information can include: your IP address, browser type, domain names, access times and referring Website addresses. This information is used by FedGroup for the operation of our services, to maintain quality of the services, for marketing purposes, to provide general statistics regarding use of the FedGroup Website, for credit control and in the furtherance of FedGroup’s other legitimate interests (including transmission of this information to our Affiliates).

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through public message boards, this information may be collected and used by others.

Use of your Personal Information

FedGroup collects and uses your personal information to operate the FedGroup Website and deliver the services you, your Broker and/or Employer have requested. FedGroup also uses your personally identifiable information to inform you of other products or services available from FedGroup and its affiliates. FedGroup may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

FedGroup does not sell, rent or lease its customer lists to third parties.

FedGroup does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

FedGroup may keep track of the Websites and pages our customers visit within FedGroup, in order to determine what FedGroup services are the most popular. This data is used to deliver customized content and advertising within FedGroup to customers whose behaviour indicates that they are interested in a particular subject area.

FedGroup Websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to:

(a) conform to the provisions of any law in force from time to time or comply with legal process served on FedGroup or the Website;

(b) protect and defend the rights or property of FedGroup; and,

(c) to protect the personal safety of users of FedGroup, or the public.

Use of Cookies

The FedGroup Website use “cookies” to help you personalise your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

Security of your Personal Information

FedGroup endeavours to secures your personal information from unauthorised access, use or disclosure. FedGroup secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorised access, use or disclosure. When personal information is transmitted to other websites, it is protected through the use of encryption.

Changes to this Statement of Privacy

FedGroup will occasionally update this Privacy Statement to reflect company and customer feedback. FedGroup encourages you to periodically review this Statement to be informed of how FedGroup is protecting your information.

Contact Information

FedGroup welcomes your comments regarding this Statement of Privacy. If you believe that FedGroup has not adhered to this Statement, please contact FedGroup at compliance@fedgroup.co.za. We will use commercially reasonable efforts to promptly determine and remedy the problem.

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