Privacy Policy

  1. This privacy policy has been compiled to explain how your "personal information" can be used when you access Where we refer to "us", "we", "our" and "Smart About Money", we mean the Savings and Investment Association - South Africa NPC trading as Association for Savings and Investments SA ("ASISA)" group of companies. Where we refer to "personal information" or "information" in this policy, we mean personal information as defined in the South African Protection of Personal Information Act, No. 4 of 2013 ("POPI"). This privacy policy applies to individuals as well as juristic entities. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your personal information in accordance with our website.
  2. When does this Policy apply? You agree that this policy will apply if you access or use our website at  When visiting, signing up for any communications and making any enquiries on our site, as appropriate, you may be asked to enter your name, email address or other details to help you with your experience.  This policy will apply to you, and will create a legally binding contract between us, whenever you use or access our website.
  3. Our commitment. This policy is important to us. We are committed to taking steps to protect your privacy when you use our website and implementing business practices that comply with all relevant legislation, including POPI, and the South African Electronic Communications and Transactions Act 25 of 2002. In this policy, we explain how we will use and protect your personal information. 
  4. What information is collected. We generally store and use the following information: personal details (such as your name and email address), IP address or cookie information, geo-location information, any other legally required information and information which we reasonably need to perform our obligations when you use our website. 
  5. How we collect your information. We can collect your information directly from you when you subscribe to use our website by completing the online form or if we request it from you. In either case you acknowledge that by doing so you have opted-in to share your information with us.
  6. How we use your information. We use your information to provide our website and services to you and generally for purposes of our relationship. We may process the information we collect from you when you visit, sign up for any communications, make any enquiries on our site, respond to a survey or marketing communication, view the website, or use certain other site features. We may use your information for other purposes but only if the law allows for it, or requires it, or if you consent to it, or if it is in the public interest. 
  7. Purposes for processing information. We will only process adequate and relevant information to:
    1. provide you with our services;
    2. respond to your requests for information;
    3. identify, develop or improve products that may interest you;
    4. carry out market research, business and statistical analysis;
    5. ask for ratings and reviews of services or products, and carry out audits;
    6. follow up with you after correspondence (live chat, email or phone enquiries);
    7. perform other administrative and operational tasks like testing our processes and systems;
    8. sending you information (in the form of our newsletter) and inviting you to events; and
    9. comply with our regulatory or other obligations.
  8. Cross-border flow of information. We may transfer your information to foreign countries mainly for retention purposes or if our service providers are cross border (such as website hosting servers) or use systems cross border. If you continue to use our website, you expressly agree that we may transfer the information cross border for these purposes. We will only share information cross border to recipients who have similar laws like POPI that apply to them, or who entered into an agreement with us to include the relevant POPI principles. To the extent required by applicable law, when we transfer your information to recipients in other countries, we will take all reasonable measures to protect that information.
  9. Children’s information and special personal information. We do not intentionally collect or use information of persons under the age of 18 years unless with consent of a competent person (someone like the parent or legal guardian), or if the law otherwise allows or requires us to process such information.
  10. Sharing of personal information. In general, we may share your information within the ASISA group of companies, with our affiliates, third party service providers, regulatory and governmental authorities or tax authorities (if we are requested by them to do so), and any other third party if the law requires from us to share it. We will keep your personal information confidential and only share it with others in terms of this policy, or if you consent to it, or if the law requires from us to share it. We have trusted relationships with carefully selected third parties who perform services for us. All these service providers have a contract with us in terms of which they have a legal obligation to secure your personal information and to use it only in a way that we permit.
  11. How we protect your information. We maintain administrative, technical and physical safeguards consistent with legal requirements where the personal information was obtained, designed to protect against unauthorized or unlawful destruction, loss, alteration, use or disclosure of, or access to, personal information that you have provided to us. Despite the above safety measures, the transmission of data over the internet cannot be guaranteed to be 100% secure and protected, and as such we cannot warrant or ensure the security of any personal information that you send to us. If you are concerned about sending us your personal information electronically, please contact us to discuss another arrangement.
  12. Right to object. You may on reasonable grounds object to us using your information. If you object, we will stop using your information, except if the law allows its use.
  13. Lodging a complaint. If you believe we are using your information unlawfully, first attempt to resolve any concerns with ASISA, and if you are not satisfied with such process you may lodge a complaint to the South African Information Regulator with the following contact details:
    The Information Regulator (South Africa)
    SALU Building
    316 Thabo Sehume Street
    Tel: +27(0)12 406 4818
  14. Our website is scanned on a regular basis for security holes and known vulnerabilities to make your visit to our site as safe as possible. We are committed to implementing appropriate technical and other security measures to protect the integrity and confidentiality of your information. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive information you supply is encrypted using appropriate security measures.
  15. Security breach. We will report any security breach to the Information Regulator and to the individuals or companies involved. If you want to report any concerns about our privacy practices or if you suspect any breach regarding your information, kindly notify us by sending an email to
  16. Integrity and access to your information. We want to ensure that your information is accurate and up to date. You may ask us to correct or remove any information that you think is inaccurate, by sending us an email to You have the right to request us to provide you with information that we hold about you. You must contact us directly to do so or send an email to
  17. Retention of information. We retain information in accordance with the required retention periods in law or for legitimate business purposes. We will only retain your information for the purposes explicitly set out in this policy. We may keep information indefinitely in a de-identified format for statistical purposes. This policy also applies when we retain your information.
  18. Use of Cookies. When you use our website, small text files called ‘cookies’ may be automatically placed on your device. These cookies do not contain personal information but do contain personal identifiers which may allow us to associate your personal information with a certain device. Through the use of analytical software, cookies enable us to improve our service to you, compile aggregate data regarding our site traffic and interactive and usage patterns, store information about your preferences and recognize when you return to our website.
  19. Disabling cookies. Your internet browser generally accepts cookies automatically, but you can often change this setting to stop accepting them. You can also delete cookies manually. However, no longer accepting cookies or deleting them will prevent you from accessing certain aspects of our website where cookies are necessary. Many websites use cookies and you can find out more about them at Some of our business partners use their own cookies or widgets on our website. We have no access to or control over them. Information collected by any of those cookies or widgets is governed by the privacy policy of the company that created it, and not by us.
  20. Our website may contain electronic image requests (called a single-pixel gif or web beacon request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner) can act as a web beacon. Our web beacons do not collect, gather, monitor or share any of your personal information. We merely use them to compile anonymous information about our website.
  21. Can you opt-out of communications? You can opt-out of receiving communications from us at any time.  Simply click on the "unsubscribe" link at the bottom of any email received from us. 
  22. We do not sell, trade, or otherwise transfer to outside parties your personal information.
  23. Links on our website. Our website may include links to other applications or third party websites which do not fall under our control. We cannot accept any responsibility for your privacy or the content of these applications and do not make any representations or warranties in relation to the privacy practices or content of any third party website or application, but we display these links in order to make it easier for our visitors to find information about specific subjects.
  24. In addition, the presence of any links to other applications or third party websites on our website is not indicative in any way of our endorsement of or affiliation to such applications or websites. Such links are included solely for information purposes.
  25. Social Media. Our website may contain links to various social media sites or applications, including Facebook, Twitter, LinkedIn, Instagram and Google+, but accessing the links will not allow social media integration (such as creating user profiles and login functionality).
  26. How does our site handle Do Not Track signals? We honour Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. 
  27. Are there other applicable terms too? Yes, please visit our website's terms of use. Additional terms may also apply for specific services or subscriptions available through our website – these terms are included in our website terms of use. If there is a conflict between these terms and the specific terms, the specific terms will apply.
  28. Changes to this policy. If you do not agree with any terms of this policy, you must stop using our website. Unless notice is required in terms of the law, we may change the terms of this policy from time to time in line with any changes that the law or our internal business operations require, without prior notice. The current version of this policy that applies at the time you visit and/or use our website will regulate our relationship. It is your responsibility to consider the policy each time you use our website.

Contacting Us.  If there are any questions regarding this privacy policy, you may contact us using the information below.

Physical Address:  Bridge House, Boundary Terraces, 1 Mariendahl Lane, Newlands, 7700
Telephone:          021 673 1620