When you engage with us, you trust us with personal information about yourself, your spouse, your dependants, your beneficiaries and (in some cases) your employees. We are committed to protecting your right to privacy. We will take all reasonable steps to keep Your Personal Information safe and confidential. The purpose of this Privacy Statement is to set out how we collect, use, share and otherwise process your personal information, in line with the Protection of Personal Information Act (POPIA).

You have the right to object to the processing of your personal information. It is voluntary to accept these terms and conditions. However, we need your acceptance to activate and service your investment.

This means that if you do not accept the terms and conditions, we cannot activate and service your investment. The acceptance of these terms and conditions and the permission given to process your personal information will continue after your death.

We will keep your personal information confidential. You may have given us this information yourself or we may have collected it from other sources. If you share your personal information with any third parties, we will not be responsible for any loss you, your dependants, your beneficiaries or your spouse suffers.

You warrant that when you give us personal information about your dependants, beneficiaries or spouse, you have their permission to share their personal information with us. You understand that when you include your spouse, beneficiaries or dependants on your application, we will process their personal information for the activation of the policy or benefit and to pursue their legitimate interest. We will also process their information for the purposes set out in this Privacy Statement and any other related purpose. If you are giving consent for us to Process information of a person under 18 (a minor), you confirm that you are a competent person and that you have authority to give consent on their behalf.

By signing this form, you confirm that you give us consent to: · Share the policy information with the appointed financial adviser, including your personal information. This refers to information that is necessary to ensure the efficient administration of the policy and to make sure that we comply with all relevant legislation. · Share your health information with the financial adviser during any underwriting process. · Process your information using automated means (that is without human intervention in the decision-making process) to make a decision about you or your application for any product or service. You may query the decision made about you.

You agree to indemnify us against any loss or damage, direct or indirect, that you (as an investor) suffer because of the unauthorised use of your personal information. Each party accepts responsibility to the extent that the activities of processing personal information fall under the control of that party. They also agree to indemnify the other parties against any loss or damage, direct or indirect, that an investor may suffer because of any unauthorised use of your personal information or if a breach of the personal information occurs. However, this is only if that party controls the processing of that personal information.

You consent and agree that: · We may process your information and the information of your shareholders and beneficial owners, including personal and special personal information, to do sanction screening against all mandatory and non-mandatory sanctions lists and to monitor transactions. · You also consent to us communicating such personal information to local and international regulatory bodies as well as to other entities in the Discovery Group if you, your shareholders or beneficial owners are matched to one of these sanctions lists. You understand that we may immediately end this agreement or application if you or any shareholders or beneficial owners are found to be on a sanctions list.

You agree that we may process your personal information for the following purposes: · Administering this investment · Assessing any claims under this investment · Allowing any of the following to let you know about or offer to you any improved benefits or new products that you may qualify for: · Any company in the Discovery Group · Any third-party provider · Any financial services provider or its representative approved by Cogence · Giving relevant information, including your personal information, to a contracted third party who needs the information to provide a service to you for this investment. We will make sure that the third party has agreed to keep the information confidential.

If a third party asks us for any of your personal information, we will share it with them only if: · You have already given your consent for the disclosure of this information to that third party. · We have a legal or contractual duty to give the information to that third party. · It is for any of the purposes set out in this privacy statement.

If you are a member of the Vitality programme, you further agree that we may process your personal information for: · Administering the Vitality programme · Rendering any services that you or any dependant on your Vitality policy may need · Rendering services through Vitality · Giving relevant information to a contracted third party who needs such information to render a service to you or any dependant on your Vitality policy. This is only if such contracted third party agrees to keep the information confidential.

You confirm that we may share your personal information within the Discovery Group of companies for all the following: · Administration · Fraud prevention · Providing Group-wide services, benefits and infrastructure (where necessary) to help you in your personal or professional capacity

You also confirm that we may share, both within the Discovery Group and with our service providers, and combine all your personal information, including your unique identifiers. It can be for any one or more of the following purposes, directly or through a third party: · Market, statistical and academic research, including cross-company analytics · The customisation and enhancement of our benefits and services to meet your needs · The conducting of surveys relating to our products and services · The marketing of our services to you. You agree that we may share your personal information with third parties, such as academics and researchers, including those outside South Africa. We make sure that the academics and researchers will keep your personal information confidential and all data will be made anonymous to the extent possible and where appropriate. If we publish the results of this research, we will not identify you by name. No personal information will be made available to a third party unless that third party has agreed to abide by strict confidentiality protocols that we call for. If we want to share your personal information for any other reason, we will do so only with your permission.

By signing this application form, you authorise us to get and share information about your creditworthiness with any credit bureau or credit providers industry association or industry body. This includes information about credit history, financial history, judgments, default history and sharing of information for risk analysis, tracing and any related purposes.

We have the right to communicate with you electronically about any changes on your investment, including your contributions or changes and improvements to the benefits you are entitled to on the investment you have chosen.

We have a duty to take all reasonably practicable steps to make sure your personal information is complete, accurate, not misleading and updated on a regular basis. To do this, we will always try to get personal information from you directly. Where we cannot, we will use verifiable independent third-party data sources.

We have a duty to keep you updated about any offers and new products that we make available from time to time. Any entity within the Discovery Group and contracted third-party service providers may communicate with you about these.

You may opt out of electronic marketing by: · Logging in to your profile on www.discovery.co.za or the Discovery app · Following the unsubscribe prompts on the electronic marketing communication received · By letting your appointed financial adviser know · By calling 0860 67 57 77 We will store your personal information so we can action this request and action it as soon as reasonably possible.

We may keep your personal information until you ask us to delete or destroy it. We will comply with your request unless the law allows us to retain your personal information or where we think it is necessary to retain your personal information for the pursuit of our legitimate business purposes. You have the right to know what personal information we hold about you. We will take all reasonable steps to confirm your identity before giving details of your personal information. We may charge a fee for this service and we will let you know what it is when you ask for your information. You have the right to ask us to update, correct or delete your personal information by completing the Request for Deletion or Correction of Information form that is available on the Discovery website at www.discovery.co.za/corporate/privacy/. Where we cannot delete your personal information, we will take all steps to make it anonymous. The following are examples of laws that call for us to collect and keep personal information: · The Financial Advisory and Intermediary Services Act (FAIS) · The Financial Intelligence Centre Act (FICA) · The Long-term Insurance Act (LTIA) · The Financial Sector Regulation Act (FSRA) · The Consumer Protection Act (CPA) · The Pension Funds Act (PFA) · The Collective Investment Schemes Control Act (CISCA)

You agree that we may transfer your personal information outside South Africa: · If you give us an email address that is hosted outside South Africa · To administer certain services, for example cloud services · Where needed to administer any offshore product, for example your Global Endowment Investment We will make sure that any country, company or person that we pass your personal information to agrees to treat your information with the same level of protection as we must.

If we become involved in a proposed or actual merger, acquisition or any form of sale of any /cogence-landing-ui/assets, we have the right to share your personal information with third parties in connection with the transaction. In the case of a merger, acquisition or sale, the new entity will have access to your personal information. The terms of this Privacy Statement will continue to apply.

We may change this Privacy Statement at any time. The most updated version will be represented on this webpage.

If you believe that we have used your personal information contrary to this Privacy Statement, you have the right to lodge a complaint with the Information Regulator. However, we encourage you to first follow our internal complaints process to resolve the complaint or to contact our information officer at privacy@discovery.co.za. If you have done this and you feel that we have not resolved your complaint adequately, please contact the Information Regulator.

Information Regulator. Contact details: Physical address: JD House, 27 Stiemens Street, Braamfontein, Johannesburg | Postal address: PO Box 31533, Braamfontein, Johannesburg 2001 | POPIAComplaints@inforegulator.org.za or PAIAComplaints@inforegulator.org.za or https://inforegulator.org.za

This cookie notice applies to all websites and mobile applications belonging to Cogence Limited and its subsidiaries ('Cogence websites'). When you access, interact with or visit Cogence websites, cookies are used to improve your online experience. For more information about how Cogence websites collect, store and process personal information, please refer to the Cogence Privacy Statement.

A cookie is a small file with an identifier that is stored on your electronic devices (such as a computer, smart phone or tablet) when you visit or use a website or mobile application. Cookies may not contain any data or information that can be used to personally identify a user. There are various types of cookies, and each has its own distinctive purpose and expiry date. For more information about cookies, please visit https://cookiepedia.co.uk/all-about-cookies

Cogence websites use cookies for the following purposes: · To authenticate users · To provide security aimed at protecting user accounts from fraudulent use of login details and protecting the Cogence websites · To personalise content and to better understand how users use the Cogence websites through user preferences and browsing history · To advertise and display relevant advertisements to users · To carry out analytics to improve user experiences

Cogence uses three types of cookies, namely: 1. Session cookies, which are temporary and will be erased once you have closed your browser. Session cookies help with security while you browse the website and will also assist in navigation from page to page while you browse. These cookies cannot be disabled. 2. Persistent cookies, which are stored on your device to save information, settings, preferences or login details pertaining to a website or mobile application. Your device will use these cookies when you visit that website or mobile application again. These cookies are stored on your device until they expire or until you delete them. 3. Third-party cookies, which are created by third-party domains that are not the website (or domain) that you are visiting. These cookies are generally used for personalised marketing and advertising purposes.

By using the Cogence websites, you agree that we may place cookies on your electronic devices for the purposes set out in this notice. All web browsers, including the Cogence websites, provide the option to disable or delete cookies. You can manage your preference relating to a specific type of cookies at any time on our website by visitingCookies Settings or the mobile application. However, certain cookies, such as session cookies, are necessary for the operation of Cogence websites and cannot be disabled. If you prefer not to have non-essential cookies placed on your electronic device while using the Cogence websites, you can disable them by turning them off in your browser. This may, however, affect the overall experience of access, navigation and usage on the Cogence websites. When you disable cookies, no information is gathered from your device.