Privacy Policy & Terms of Service

Privacy Policy

Ample Insurance Brokers ("we," "our," or "us") is committed to protecting your personal information in accordance with the Protection of Personal Information Act 2013 (POPIA). This Privacy Policy explains how we collect, use, store, and share your information when you visit our website or use our services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request insurance quotes or submit applications through our brokerage services
• Register for an account on our website (if applicable)
• Contact us with inquiries or customer service requests
• Subscribe to our newsletter or marketing communications

This information may include:

• Full name, contact details (address, contact number, email address)
• Date of birth and, where required, South African ID number
• Financial information necessary to provide brokerage services
• Insurance history, risk information, and claims data
• Vehicle information (for motor insurance)
• Property information (for home or commercial insurance)

1.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on our website
• Referring website and search terms used

2. How We Use Your Information

We use your personal information to:

1. Provide and manage brokerage services, including obtaining quotes and assisting with policy placement
2. Support policy administration and claims processes
3. Communicate with you regarding your policies and service requests
4. Comply with legal, regulatory, and contractual obligations (e.g., FSCA, insurers)
5. Improve our website, services, and customer experience
6. To send marketing communications (with your consent)
7. Detect and prevent fraud, security risks, or other unlawful activities

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

3.1 Insurance Companies

We provide necessary information to insurers to obtain quotes, place policies, or manage claims on your behalf.

3.2 Service Providers

We may share information with third-party providers who assist us in running our business, such as:

• Technology and hosting providers
• Payment processors
• Marketing and analytics services

3.3 Legal Requirements

We may disclose your information when required by law, or to protect our rights or the safety of others, including regulatory bodies such as the FSCA.

We do not sell your personal information to third parties.

4. Data Security

We implement appropriate technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, or destruction, including:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and staff training
• Secure data storage and backups

5. Your Rights and Choices

Under POPIA, you have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal or contractual obligations)
• Opt-out: Withdraw consent for marketing communications
• Portability: Request transfer of your data to another service provider

To exercise your rights, contact us using the details below.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website usage. You can manage or disable cookies through your browser settings, but some website features may not function properly if cookies are disabled.

Terms of Service

These Terms of Service ("Terms") govern your use of the Ample Insurance Brokers website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

2. Description of Services

Ample Insurance Brokers is a licensed insurance brokerage that provides intermediary services, including:

• Insurance quote comparison and procurement
• Policy management and administration
• Claims assistance and support
• Risk assessment and consultation
• Customer service and support

We act as an intermediary between clients and registered insurers and do not underwrite or issue insurance policies ourselves.

3. User Responsibilities

You agree to:

• Provide accurate and complete information when requesting quotes or obtaining insurance through us
• Maintain the confidentiality of your account credentials
• Notify us promptly of any changes to your personal or risk information
• Use our services only for lawful purposes and in accordance with all applicable South African laws and regulations
• Comply with all applicable laws and regulations
• Pay all premiums and fees when due to insurers or service providers as required

4. Prohibited Uses

You may not use our services to:

• Provide false, misleading, or incomplete information
• Engage in fraud, misrepresentation, or unlawful activities
• Interfere with or disrupt our website, systems, or networks
• Attempt to gain unauthorised access to our systems or data
• Breach any applicable laws or regulations

5. Our Role as Insurance Broker

As an authorised financial services provider, Ample Insurance Brokers:

1. Acts as an intermediary between clients and licensed insurers
2. Provides guidance and recommendations based on your needs and risk profile
3. Assists with policy placement, renewals, and claims
4. Maintains professional indemnity insurance and complies with the Financial Sector Conduct Authority (FSCA) requirements

We do not:

• Guarantee that any specific insurance coverage will be available or renewed
• Guarantee approval of payment of any claim (these decisions rest solely with the insurer)

6. Limitation of Liability

To the fullest extent permitted by South African law, Ample Insurance Brokers will not be liable for:

• Any indirect, incidental, or consequential loss or damages
• Loss of profits, data, or business opportunities
• Loss or damages arising from insurer actions, claim outcomes, or policy decisions
• Service interruptions, system failures, or delays beyond our reasonable control

Our total liability for any claim shall not exceed the amount of brokerage fees earned by Ample Insurance Brokers in respect of the transaction giving rise to the claim.

7. Indemnification

You agree to indemnify and hold harmless Ample Insurance Brokers, its directors, employees, and affiliates, from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or related to your use of our services or any violation of these Terms.

8. Termination

Either party may terminate the service relationship at any time by providing written notice. Termination will not affect any existing insurance policies, commissions due, or other obligations that remain in effect.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Johannesburg, Gauteng.

10. Changes to Terms

We may update these Terms from time to time. Any material changes will be communicated by posting the updated Terms on our website and, where appropriate, by email notification.

11. Contact Information

For questions about these Terms of Service or our Privacy Policy, please contact us: