AUTHORISED FINANCIAL SERVICES PROVIDER

LBK INSURANCE BROKERS is an authorized financial services provider with FSP number 13474 in terms of Section 8 of the FAIS Act. A copy of our license certificate is available on request.

PRIVACY POLICY

LBK recognizes the integral importance of the right to privacy and is committed to protecting the personal data of our clients. The Protection of Personal Information Act 4 of 2013 (“POPIA”) requires us to inform you how we use and disclose personal information we obtain from you. We are committed to protecting your privacy and will ensure that your personal information is used appropriately, transparently, and according to applicable law.   

This privacy policy sets out how LBK uses and protects any personal information that you provide to us when you make use of our website and or services. In certain cases, we may ask you to provide certain information to validate your identity. When you use our website, you can be assured that any personal information which we have collected will only be used in accordance with this privacy statement. 

POPIA protects your right to know what information is being collected and for what purpose it is being used.  

The Information we collect and what we do with it:

The personal information collected and processed by LBK is primarily used to process your service level agreement and intended to provide you with access to our services. The type of information we collect will depend on the need for which it is collected and will be processed for that specific purpose. The type of information collected includes but are not limited to; your name and surname, contact information including an email address and demographic information. We require this information to understand your needs and provide you with personalized services that would fit your unique needs, and in particular for the following reasons: 

  • To maintain internal record keeping and to improve our products and services. 
  • We may also periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
  • We may contact you by email, telephone or e-mail. This is primarily to ensure that we customize the website to suit your interests and needs.

Controlling & Disclosure of your Information:

We will not sell, distribute or lease your personal information to third parties unless we have your permission to do so. We may disclose your information where we have a duty or a right to disclose in terms of applicable legislation or where it may be necessary to protect our rights. We may use your personal information to send you promotional information about third parties which we think you may find interesting, if you consent to this. If you are aware that any information we are holding are incorrect or incomplete, please email us at lbk@ccdweb.co.za as soon as possible and we will correct any information found to be incorrect.  

How we use your Information:

We will use your personal information only for the purposes for which it was collected and agreed to with you. This may include but are not limited to the processing of your service level agreement with LBK, processing of fee payments, confirming and verifying your identity or for security purposes; detection and prevention of fraud, crime, money laundering or other malpractices; debt tracing or debt recovery; auditing and record keeping requirements; to carry out the services you requested; to provide you with relevant communications as well as regulatory matters which may affect you.  

Safeguarding your Information:

The POPIA requires us to adequately protect the personal information we hold and to avoid unauthorized access and usage of your personal information. We will continuously review our security controls and processes to ensure that your personal information is kept secure. If we need to transfer your personal information to another country for processing or storage purposes, we will ensure that any party to whom we pass on your personal information will treat your information with the same level of protection as required from us.

Your Rights: 

You have the right to ask us to update, make any corrections or delete your personal information from our database. We will, however, take all reasonable steps to confirm your identity before providing details of your personal information or making any amendments to your personal information.  

You may contact us and request the information you would like at:

Information Officer:          Frederick Coenraad Nel

Email address:                    frik@ccdweb.co.za

Website address:              https://investment-advice.co.za/#contact

Changes to this Notice:

Kindly take note that we may amend this Notice from time to time. Please check our website periodically to inform yourself of any changes. 

Thank you for taking the time to read our privacy policy!

WEBSITE DISCLAIMER

Whilst every care is taken to ensure that the information on LBK INSURANCE BROKERS website is current and accurate, read our full disclaimer notice on our website.

CONFLICT OF INTEREST MANAGEMENT POLICY

LBK INSURANCE BROKERS has adopted and implemented a Conflict-of-Interest Management policy that complies with the provisions of the FAIS Act. The Conflict-of-Interest Management policy is available upon request. You can email us at lbk@ccdweb.co.za to obtain a copy of it.

COMPLAINTS PROCEDURE

Should you wish to pursue a complaint against a key individual or representative of LBK INSURANCE BROKERS CC, please address your complaint in writing to us at lbk@ccdweb.co.za. If you cannot settle your complaint with us, you are entitled to refer it to the Office of the FAIS Ombud, at info@faisombud.co.za or telephone number 0860 324 766. The Ombud has been created to provide you with a redress mechanism for any inappropriate financial advice that you feel may have been given to you by a financial advisor.

TCF POLICY

Our Treating Customers Fairly policy is centered around the guidelines provided by the Financial Sector Conduct Authority (FSCA) to ensure we consistently deliver fair outcomes to our clients and take responsibility for the business and staff providing an enhanced service quality to clients, based on a culture of openness and transparency. As a business, we take the requirements of the FSCA seriously, in particular, the requirement to treat customers fairly.

PRIVACY POLICY

LBK INSURANCE BROKERS, is committed to maintaining the privacy and security of its customers’ personal and private information. Our privacy policy outlines our best practices and commitment to the customer and can be read on our website at https://investment-advice.co.za/