Last updated: 10 September 2026

Own Your Wealth Solutions (Pty) Ltd (“OYWS”, “we”, “us”, “our”) is committed to protecting your privacy in accordance with the Protection of Personal Information Act 4 of 2013 (“POPIA”), and, as a licensed Authorised Financial Services Provider, in line with applicable Financial Sector Conduct Authority (FSCA) requirements, including the Joint Standard on Cybersecurity and Cyber Resilience Requirements issued jointly by the FSCA and the Prudential Authority. This Policy explains what personal information we collect, why we collect it, how we use, share and protect it, and what rights you have under POPIA.

Own Your Wealth Solutions (Pty) Ltd is a licensed Authorised Financial Services Provider (FSP No. 54342), registered in South Africa on 14 March 2023, providing independent financial planning and advisory services across risk and protection, health and medical, investment and wealth, and retirement planning.

Contact number: 083 275 3205
Email: renney@oyws.co.za

In terms of POPIA, our Information Officer is responsible for ensuring our compliance with this Policy and the Act, and for handling requests and complaints relating to your personal information.

Information Officer: Renney Govender
Email: renney@oyws.co.za
Phone: 083 275 3205

Depending on the services you request from us, we may collect:

• Identifying information: full name, ID number/date of birth, contact details, physical or postal address
• Financial information: income, assets, liabilities, tax reference number, banking details
• Health information (special personal information): medical history and health status, where required for risk, life, disability, or medical aid/gap cover advice
• Employment information: employer, occupation, employment history
• Beneficiary and dependant information, including information about minors, where relevant to a policy or financial plan
• Technical information: IP address, browser type, and website usage data, collected via cookies when you visit our website

We collect personal information:

• Directly from you, for example via our website’s contact and consultation forms, WhatsApp, phone, or in-person meetings
• From product providers and administrators we are contracted with (including Sanlam, PPS, Hollard, Liberty, Discovery, Old Mutual, Momentum, INN8, Quicksure, Profmed, Zestlife and Stratum), where necessary to service an existing policy
• From publicly available sources, where lawfully permitted

We process your personal information to:

• Provide financial advice and intermediary services under our FSP licence
• Assess your financial needs and compile a suitable financial needs analysis
• Submit and administer applications for risk, health, investment or retirement products with our contracted product providers
• Comply with our legal and regulatory obligations, including under the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA), and FSCA requirements
• Communicate with you about your policies, our services, and relevant updates
• Improve our website and services

We only process your personal information on a basis permitted by POPIA, including where you have given your consent, where processing is necessary to perform a contract with you (such as a financial planning engagement or policy application), where it is required to comply with a legal obligation (such as FICA or FAIS record-keeping requirements), or where it is necessary to protect a legitimate interest of yours or ours.

Where our advice requires health, medical or similar special personal information, for example for life, disability, or medical aid and gap cover applications, we only collect and process this with your explicit consent, or on another basis permitted under section 27 of POPIA, and only to the extent necessary for the relevant application.

We share your information only where necessary, including with:

• The product providers and underwriters listed above, to submit and administer your applications and policies
• Compliance officers, auditors, and regulators, including the FSCA, where required by law
• Service providers who support our operations, such as our website host and practice management tools, under confidentiality obligations

We do not sell your personal information.

Where any of our service providers store or process information outside South Africa, for example cloud-based hosting or email services, we take reasonable steps to ensure such transfers comply with section 72 of POPIA, including that the recipient is subject to a similar level of data protection.

We retain your personal information for as long as necessary to fulfil the purposes described in this Policy, and thereafter as required by FAIS, FICA, and other applicable South African record-keeping requirements, generally a minimum of five years after a policy ends or an advice relationship terminates, unless a longer period is legally required.

We implement appropriate technical and organisational measures to protect your personal information against loss, unauthorised access, alteration or disclosure, consistent with Condition 7 of POPIA. In line with the FSCA and Prudential Authority’s Joint Standard on Cybersecurity and Cyber Resilience Requirements, we regularly review our practices, including access controls, secure storage and incident response procedures.

If we become aware of a security compromise that has affected your personal information, we will notify you and the Information Regulator as required under POPIA.

Our website uses cookies to improve functionality and understand how visitors use our site. You can control cookie preferences through the cookie banner on our website or your browser settings. Declining non-essential cookies will not affect your ability to contact us or book a consultation.

Subject to POPIA, you have the right to be informed that we hold your personal information, to access the personal information we hold about you, to request correction or deletion of inaccurate, irrelevant or unlawfully obtained information, to object to the processing of your personal information, to withdraw consent where processing is based on consent, and to lodge a complaint with the Information Regulator. To exercise any of these rights, contact our Information Officer using the details in section 2.

We do not knowingly collect personal information directly from children. Where we process information about a minor, for example as a beneficiary or dependant on a policy, we do so only with the consent of a parent or legal guardian, and only to the extent necessary to provide the relevant service.

We may update this Privacy Policy from time to time to reflect changes in our practices or the law. The updated version will be posted on this page with a revised “last updated” date.

If you have questions about this Policy or how we handle your personal information, contact our Information Officer using the details in section 2.

If you are not satisfied with our response, you may lodge a complaint with the Information Regulator of South Africa:

Address: Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191
Email: POPIAComplaints@inforegulator.org.za
Website: https://inforegulator.org.za