WealthCrest

Effective Date: 14 October 2026
Website: https://wealthcrest.co.za/

1. Introduction

WealthCrest (“WealthCrest”, “we”, “us” or “our”) is committed to protecting the privacy and personal information of our clients, prospective clients, business partners and website visitors.

We respect your right to privacy and are committed to processing personal information responsibly and in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA), the Promotion of Access to Information Act 2 of 2000 (PAIA), where applicable, and other relevant South African legislation.

This Privacy Policy explains how we collect, use, store, protect and disclose personal information when you visit our website, contact us, request information or advice, or engage with our wealth, life and risk advisory services.

By interacting with our website or providing personal information to us, you acknowledge that you have been informed of the practices described in this Privacy Policy.

2. Company Information

Business Name: WealthCrest
Business Description: Wealth, Life & Risk Advisory
Physical Address: 233 Louis Trichardt Boulevard, Vanderbiljpark
Telephone: 083 324 7957
Email: info@wealthcrest.co.za
Website: https://wealthcrest.co.za/

For privacy-related enquiries, please contact us using the details above and request assistance from our Information Officer.

3. Personal Information We Collect

Depending on the nature of your interaction with WealthCrest, we may collect the following categories of personal information:

• Personal identification information: Your name, surname, identity number, date of birth and other identification details where required.
• Contact information: Your email address, telephone number, residential address and business contact details.
• Financial information: Information relating to your income, expenditure, assets, liabilities, investments, financial goals and other financial circumstances, where relevant to the services requested.
• Employment and business information: Your occupation, employer, business interests and related information necessary for financial assessments or advisory services.
• Insurance and risk information: Details relevant to life insurance, risk cover or other insurance-related services. Where required, this may include health or medical information, subject to applicable legal requirements and appropriate safeguards.
• Enquiry information: Information submitted through website forms, email, telephone calls, WhatsApp or other communication channels.
• Client and transaction information: Records relating to consultations, financial assessments, recommendations, applications, policies, agreements and ongoing client relationships.
• Technical information: IP addresses, browser types, device information, website usage data and cookies, where applicable.
• Correspondence: Communications exchanged between you and WealthCrest.

We aim to collect only the personal information that is reasonably necessary for the purposes for which it is processed.

4. How We Collect Personal Information

We may collect personal information when you:

• Visit or interact with our website.
• Complete an online contact or enquiry form.
• Telephone, email or WhatsApp us.
• Request information about our wealth, life or risk advisory services.
• Arrange a consultation or request financial advice.
• Provide information during a financial assessment or application process.
• Enter into an agreement or establish a client relationship with us.
• Provide information required for insurance, investment or other financial services.
• Authorise us to obtain relevant information from third parties.
• Interact with our marketing communications or digital platforms.

Where legally permitted and appropriate, we may also obtain relevant information from authorised representatives, financial institutions, insurers, product providers, service providers or other third parties involved in providing the services you have requested.

5. How We Use Your Personal Information

We may process personal information for legitimate and lawful business purposes, including:

• Responding to enquiries and requests for information.
• Providing wealth, life and risk advisory services.
• Understanding your financial circumstances, objectives and needs.
• Conducting financial assessments and preparing recommendations.
• Facilitating applications for relevant financial products and services.
• Liaising with insurers, investment providers and other authorised third parties where necessary.
• Managing client relationships and providing ongoing support.
• Communicating about consultations, applications, policies and services.
• Maintaining accurate client, administrative and financial records.
• Improving our website, services and client experience.
• Conducting business administration and reporting.
• Meeting applicable legal, regulatory and contractual obligations.
• Preventing fraud, misuse, unauthorised access and other unlawful activities.
• Sending relevant marketing communications where permitted by law.

We will not process personal information for purposes incompatible with the original purpose of collection unless permitted or required by applicable law.

6. Lawful Processing of Personal Information

We process personal information in accordance with POPIA and other applicable legislation.

Depending on the circumstances, lawful grounds for processing may include:

• Your consent.
• The necessity of processing to take steps at your request before entering into a contract or to perform a contract.
• Compliance with a legal obligation.
• Protection of a legitimate interest of the data subject, where applicable.
• Our legitimate interests or those of a third party, provided that the relevant legal requirements are satisfied.

Providing personal information is generally voluntary. However, certain information may be necessary to assess your needs, provide advice, facilitate applications, establish a client relationship or meet legal and regulatory requirements.

If you choose not to provide information that is necessary for a particular service, we may be unable to provide that service or complete the relevant process.

7. Sharing of Personal Information

We do not sell personal information to third parties.

Where reasonably necessary and legally permitted, we may share relevant personal information with:

• Authorised WealthCrest employees and representatives.
• Insurers, investment providers and financial product providers.
• Financial institutions and other service providers involved in fulfilling your request.
• Professional advisers, including legal, accounting and compliance professionals.
• IT support providers, website hosting providers and technology service providers.
• Regulatory authorities, government institutions or law enforcement agencies where required by law.
• Other authorised third parties where you have provided the necessary consent or another lawful basis applies.

We take reasonable steps to ensure that third parties processing personal information on our behalf maintain appropriate confidentiality and security safeguards.

Where applicable, we will ensure that appropriate agreements, authorisations and safeguards are in place before sharing personal information.

8. Confidentiality of Financial and Personal Information

We recognise that financial and advisory services may involve confidential personal and financial information.

We take reasonable steps to restrict access to such information to authorised individuals who require it for legitimate business, service delivery or legal purposes.

Where health or medical information is required for an insurance or risk-related application, we will handle that information in accordance with applicable legal requirements and appropriate confidentiality safeguards.

Clients should take care when sending confidential information through email, WhatsApp or other electronic communication channels.

9. Website Cookies and Analytics

Our website may use cookies and similar technologies to support website functionality, improve user experience and understand website performance.

Cookies are small files stored on your device when you visit a website.

Depending on the technologies enabled on our website, cookies may include:

• Essential cookies: Required for basic website functionality and security.
• Analytics cookies: Used to understand visitor activity and improve website performance.
• Functional cookies: Used to remember preferences and improve usability.
• Marketing cookies: Used, where applicable and lawfully permitted, to measure advertising effectiveness or provide relevant content.

You can manage or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

Where required by applicable law, we will obtain consent before using non-essential tracking technologies.

10. Direct Marketing Communications

We may communicate with existing clients and prospective clients about our services, relevant financial information and business updates, subject to applicable legislation.

Where consent is required for electronic direct marketing, we will obtain the necessary consent before sending marketing communications.

You may opt out of marketing communications at any time by following the unsubscribe instructions provided or contacting us at info@wealthcrest.co.za.

Opting out of marketing communications will not prevent us from sending necessary service-related, contractual or legally required communications.

11. Data Security

WealthCrest is committed to taking reasonable technical and organisational measures to protect personal information against:

• Unauthorised access or disclosure.
• Accidental loss or destruction.
• Unlawful processing.
• Misuse or alteration.
• Security breaches and other reasonably foreseeable risks.

Security measures may include access restrictions, appropriate system protections, confidentiality obligations and secure handling of client records.

Although we take reasonable precautions, no electronic transmission or storage system can be guaranteed to be completely secure.

If a security compromise occurs, we will take appropriate action, including notifying affected individuals and the Information Regulator where required by POPIA.

12. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected, or as required or permitted by applicable law.

Retention periods may depend on:

• The nature and sensitivity of the information.
• The purpose for which it was collected.
• The duration of the client relationship.
• Applicable financial services, insurance, accounting and tax recordkeeping requirements.
• Contractual and regulatory obligations.
• The need to resolve disputes or enforce legal rights.

When personal information is no longer required and no lawful reason for retention exists, we will take reasonable steps to securely delete, destroy or de-identify it.

13. Your Rights Under POPIA

Subject to applicable legal requirements and limitations, you have the right to:

1. Be informed about the collection and processing of your personal information.
2. Request access to personal information we hold about you.
3. Request correction of inaccurate, incomplete or outdated personal information.
4. Request deletion or destruction of personal information where legally appropriate.
5. Object to the processing of personal information on grounds permitted by law.
6. Withdraw consent where processing is based on consent, without affecting prior lawful processing.
7. Object to direct marketing and request removal from marketing communications.
8. Lodge a complaint with the Information Regulator if you believe your personal information has been processed unlawfully.

To exercise these rights, please contact info@wealthcrest.co.za.

We may request reasonable verification of your identity before processing a request to protect against unauthorised disclosure.

Certain information may need to be retained where required by law or where another lawful basis for retention applies.

14. International Transfers of Personal Information

Certain website hosting, email, cloud storage or technology service providers may process or store information outside South Africa.

Where personal information is transferred internationally, we will take reasonable steps to ensure that the transfer complies with section 72 of POPIA, including applicable requirements relating to adequate protection, binding agreements, consent or other lawful grounds.

15. Third-Party Websites and Services

Our website may contain links to external websites or services operated by third parties.

WealthCrest is not responsible for the privacy practices, security or content of websites that we do not control.

Where you follow an external link or provide information directly to a third-party provider, that provider’s privacy policy and terms may apply.

We encourage visitors to review the privacy policies of external websites before submitting personal information.

16. Children’s Personal Information

Our website and advisory services are intended primarily for adults seeking wealth, life and risk advisory services.

We do not knowingly collect children’s personal information through our website except where permitted by applicable law and where an appropriate lawful basis exists.

If we become aware that children’s personal information has been collected without an appropriate lawful basis, we will take reasonable steps to address the matter.

17. Information Regulator – South Africa

If you believe your personal information has been processed in violation of POPIA, you may lodge a complaint with the Information Regulator of South Africa.

Information Regulator (South Africa)
Website: https://inforegulator.org.za/
General enquiries: enquiries@inforegulator.org.za
POPIA complaints: POPIAComplaints@inforegulator.org.za
Telephone: 010 023 5200

We encourage you to contact WealthCrest first so that we have an opportunity to investigate and resolve your concerns.

18. Changes to This Privacy Policy

WealthCrest reserves the right to update this Privacy Policy from time to time to reflect changes in legislation, business operations, website functionality or information processing practices.

Any updates will be published on this page together with a revised effective date.

We encourage visitors to review this Privacy Policy periodically.

19. Contact Us

If you have any questions about this Privacy Policy or how we process your personal information, please contact:

WealthCrest
Wealth, Life & Risk Advisory
Physical Office Address: 233 Louis Trichardt Boulevard, Vanderbiljpark
Telephone: 083 324 7957
Email: info@wealthcrest.co.za
Website: https://wealthcrest.co.za/

For privacy-related enquiries, please request assistance from our Information Officer.

Last Updated: 14 October 2026</