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Legal Notices

Legal Notices

Plandirect's Commitment to protecting your personal information

Terms and Conditions

Legal Disclaimer Promotion of Access to Information Act no.2 of 2000 Internal Policy on Conflict of Interest and Register of non-cash incentives

Plandirect's Commitment to protecting your personal information

WP Brokers ("Plandirect") is committed to respecting and maintaining the privacy and security of its client's personal and confidential information (collectively "Personal Information"/ "Information") submitted to WP Brokers via the website located at www.plandirect.co.za (the "Website"). This privacy and security statement (the "Statement") outlines WP Brokers practices and commitment to its clients in this regard. WP Brokers takes all reasonable steps to ensure that it aligns its business practices with the terms of this statement. WP Brokers values you as a client. We will therefore treat all your Personal Information as private and confidential and undertake to deal with your Information in a responsible and lawful manner. WP Brokers will take all reasonable steps to prevent unauthorised access to your Personal Information. Please note that WP Brokers will only request Personal Information required for the purposes of assessing and providing you with an retirement annuity. This information is essential to conclude your agreement and a legal requirement. WP Brokers will only process your Personal Information for purposes consistent with the normal course of our business to uphold our legitimate interests. WP Brokers is required by law, to process and maintain your Personal Information in accordance with prescribed standards or generally accepted information management practices (including prescribed retention periods) to ensure that your information is complete, accurate, up to date and secure. WP Brokers will not disclose your Personal Information to any third party except in the normal course of our business or where required by law. You may request access to records of your Personal Information that we maintain. WP Brokers will make the Information available to you following receipt of your request. You may notify us in writing of any inaccuracies reflected in the Information that we maintain and verify, so we will correct your Information. How WP Brokers Processes your Personal Information You will be able to explore the majority of services offered on the Website without our collecting any Personal Information from you. We do however, gather and analyse information on our visitors' routine use of the Website. We use this information to monitor which are the most frequently visited areas of the Website, to assist us to continue developing a value-added service. This information is aggregated (so individual personal information, behaviour or patterns cannot be identified). WP Brokers assumes no obligation to protect this information, and may copy, distribute or otherwise use such information without limitation. For the purpose of business communications, administration and transacting, we may collect and subsequently process certain Personal Information. This will enable WP Brokers to:  Respond to queries or requests submitted by you Process applications Resolve problems with services previously rendered Create products and services that may meet your future requirements To compile non-personal statistical information about browsing habits, click-patterns and access to the Plandirect Website. WP Brokers may periodically conduct online customer care surveys to facilitate the enhancing of service standards. When it conducts a survey, WP Brokers will inform the customer how the information gathered will be used, and will provide the customer with the opportunity to opt-out from such surveys. WP Brokers may enter into business arrangements whereby its customer base is one of the more valued assets. In such an event, Personal Information will be one of the transferable assets. WP Brokers will collect, process and maintain disclose or otherwise deal with your Personal Information only with your consent, in respect of marketing services or products, consent to collect or use information shall be express ( e.g. signing an agreement or clicking on the I agree icon). WP Brokers may collect, process, maintain, disclose or otherwise deal with your Personal Information, without your knowledge and consent, in the following circumstances: Required by law This most often relates to government tax reporting requirements or in terms of a court order or if required in terms of legislation or in accordance with the common law. When WP Brokers is served with due legal process requiring the delivery of Personal Information, it has the legal duty to abide by that demand, and will do so. WP Brokers will, however, in all instances required by law, only disclose the Personal Information specifically requested Necessary to protect WP Brokers interest This will not be used as a reason for disclosing Personal Information about a customer or a customer's accounts (including name and address) to anyone else, including other companies within Plandirect Network for marketing purposes. However, basic procedures that protect WP Brokers’s interests sometimes lead to the disclosure of specific customer information. These instances are limited and the disclosure of information, restricted to what is reasonably required in the circumstances In the public interest WP Brokers may be required to disclose Personal Information for matters of public interest (e.g. to assist in the prevention of crimes). Before complying with these requests, WP Brokers will take every precaution to ensure the authorities involved have legitimate grounds to make such a request; and For statistical purposes WP Brokers may process and disclose Personal Information, for statistical purposes, that does not relate to you or any person  specifically (i.e. de-identified information) as it deems appropriate. Anti-Spam WP Brokers will never sell your email address to third parties for purposes of email spamming. If you have agreed to this, WP Brokers may use your Personal Information to send you information on new services or products that may be of interest to you and from time to time will mail, email or SMS information to you about us, our products and services, or our partners and their products or services. If you do not wish to continue receiving this information, you may contact us and we will remove you from our mailing list. Unsubscribing WP Brokers offers the User the opportunity to opt-out of receiving marketing or promotional communications from WP Brokers. This can be done by way of unsubscribing from all email communications facility. Technology and Security on the Website To prevent unauthorized access, maintain data integrity and ensure the appropriate use of information, WP Brokers have established appropriate physical and technological protocols to safeguard the Personal Information you provide to us. WP Brokers will update and enhance these measures on an ongoing basis, to ensure they remain appropriate and relevant. Interception of Communications Subject to the provisions of the Regulation of Interception of Communications (RIC) Act 70 of 2002, you hereby agree to WP Brokers right to intercept, block, filter, read, delete, disclose and use all communications sent or posted by the User to the Website, its staff and employees. You agree and acknowledge that the consent provided by you, herein, satisfies the "writing" requirement as detailed in the ECT Act and the RIC Act. Third Party Sites The WP Brokers Privacy and Security Statement applies only to Personal Information collected at WP Brokers Website. The WP Brokers Website may contain links to other websites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the security or privacy practices employed by other sites. We encourage you to read the privacy policy for any site that requests Personal Information from you. Updating of the Statement: WP Brokers reserves the right to amend or modify its Privacy and Security Statement at its sole discretion, at any time, without any prior notice to the User, in response to meeting legislative requirements and dynamic business needs. All amendments to the Statement will be posted on the Website. Unless otherwise stated, the current version shall supersede and replace all previous versions of this Statement. General This Privacy and Security Statement is incorporated into the Website Terms and Conditions. The consumer is afforded the ability to review any electronic transaction to correct mistakes.

Terms and Conditions

Online Application Process To subscribe for the service(s), you must complete the online application. By using the services, you agree to be bound to WP Brokers's (‘Plandirect') Policy Terms and Conditions. On receipt of your Application Form, WP Brokers will take such steps, as in its sole discretion it deems necessary, to evaluate your application and to verify whether, in completing the Application Form, you have provided WP Brokers with complete and accurate information about yourself and your banking details for processing debit order deductions for payment, also insofar as you are requesting WP Brokers to provide you with retirement annuity, the information contained in the Application Form pertains to you personally. The application process is incomplete until you have the opportunity to review the entire transaction and correct any mistakes, or to withdraw from the transaction completely. By clicking on the "submit" button, you are deemed to have submitted an offer to subscribe for the Online Service selected ("order") and you will not thereafter be able to cancel the Order unless WP Brokers expressly agrees thereto. You understand that once WP Brokers has received the Application Form and processed the Order, you will have no right to cancel the Order, subject to your right to terminate the retirement annuity within the cooling-off period. Payment You agree that WP Brokers will be paid a fee from the chosen insurer ("insurer") where your product is underwritten, as stipulated on the policy schedule. You hereby authorise WP Brokers to instruct the insurer to debit your bank account, on a monthly basis, as payment for your policy, using the bank account information provided in your Application Form, effective from the date of inception of your policy, for so long as your policy remains in force and effect. You hereby agree that the insurer is not obliged to refund any payment made by you in this manner, nor shall you be entitled to reverse such payment, for any reason whatsoever. Verification You hereby agree that all orders and any other communications which purport to originate from you, or a person who had authority to act on your behalf in respect of such order or communication, or an information system programmed by or on your behalf to operate automatically (unless it is proved that such information system did not properly execute such programming) (collectively "the originator"). This would also apply to those which are sent to WP Brokers electronically and which may (as a result of interception, equipment malfunction, the distortion of communication links or any other reason whatsoever) be different from the instructions actually sent or given, or may not have been given by you at all, shall be deemed to have been given by the Originator in the form actually received by WP Brokers. You will further be bound by such communication with no liability of whatever nature, attaching to WP Brokers, in regard thereto. You waive any rights you may have or may obtain against WP Brokers arising directly or indirectly from any loss or damage of whatsoever nature which you may suffer as a result of the fact that WP Brokers acts on your orders or communications, or orders or communications that purport to emanate from you and you indemnify WP Brokers against all and any claims, liabilities, losses, costs, fines, damages and expenses, arising as a result of the fact that WP Brokers acted on your instructions/ orders or instructions/ orders which purport to emanate from you. Confirmation of Orders and Conclusion of the Transaction The advertising of the Online Service(s) via the Website merely constitutes an invitation by WP Brokers for you to make an offer to apply for the Online Service(s). WP Brokers reserves the right not to accept and/ or comply with the order for any reason whatsoever, on notice to you. Should WP Brokers accept your order, it will, as soon as is reasonably possible thereafter, consider your application and notify you of its decision to grant you a retirement annuity and the terms thereof. You hereby confirm and agree that the transaction between yourself and WP Brokers will be deemed to have been concluded at the place where and the time when the insurer confirms its decision and communicates same to you. Communications from WP Brokers to the User By placing an order for the Online Service(s), you agree that WP Brokers may transmit any related information, in respect of the Online Service(s) and your policy to you telephonically, by e-mail, facsimile or SMS, using the contact information you provided in the Application Form. You hereby agree that WP Brokers may send you electronic communications relating to your order and/ or the Online Service(s) offered via the Website from time to time before and after delivery, provided you will be given the opportunity to cancel your subscription to WP Brokers mailing list at any time upon providing WP Brokers with written notification to that effect or by using the unsubscribe link provided. Disclosures in terms of Section 43 of the Electronic Communications and Transactions Act 25 of 2002 ("ECT Act") In compliance with section 43(1) of the Electronic Communications and Transactions Act your attention is drawn to the following information: About your financial services provider (FSP) Product Supplier: DIY Bond CC t/a WP Brokers & Plandirect FSP Number: 34059 Registration Number: 2007/237262/23 Physical Address: 25 High Street, Hermanus, 7200 Postal Address: P.O. Box 824, Hermanus, 7200 Website: www.wpbrokers.co.za www.plandirect.co.za www,wpmakelaars.co.za www.plandirek.co.za www.uadirek.co.za www.radirect.co.za Tel: (028) 316 1566 The Compliance Officer: High Street, Hermanus, 7200 Tel: (028) 3161566 Fax: (086) 6482772 Email: compliance@plandirect.co.za The compliance officer deals with issues relating to WP Brokers's compliance with the FAIS Act. If you have policy-related issues, please call your local insurance hotline at the number that appears on your schedule. Should you have a complaint regarding a contravention of, or failure to comply with the FAIS Act, and/ or the willful or negligent rendering of a financial service that has or may cause prejudice or damage or if you feel you have been treated unfairly, please fax the details of your complaint to the Compliance Officer at the fax number at (h) above. WP Brokers CC is an authorised financial services provider, licensed by the FSB (Financial Services Board) to supply Long Term Insurance Category B and C, Short-term Insurance, Category Personal Lines, Commercial Lines, Pension Fund Benefits, Securities and Investments, Money-market instruments, Derivative instruments, Participatory interest in one or more collective investment scheme. Our consultants who do not meet the minimum experience requirement of one year render services under management supervision. WP Brokers has professional indemnity insurance. WP Brokers is a Close Corporation and an authorized financial services provider bearing FSP number 34059. WP Brokers has and maintains an Anti Money Laundering Policy in accordance with the Financial Intelligence Centre Act, Act38 of 2001.

Legal Disclaimer

The information contained in this website is intended but not guaranteed to be complete, correct and up to date. This information is made available, without any representation or warranty, either express or implied. WP Brokers accepts no responsibility for the suitability or accuracy of the information and any errors or omissions that may occur. The policy terms and conditions on this website are for information purposes only as they may change from time to time and may not be the most recent version. We therefore caution against relying on these terms and conditions when taking out a retirement annuity with WP Brokers. The information and content on this website are subject to change without notice. WP Brokers may, in its sole discretion, at any time, suspend or terminate the operation of this website or any products or services provided on this website, without prior notice. Retirement annuity afforded in terms of information contained in this website is subject to the terms and conditions found in the policy contract of retirement annuity. Copyright in respect of all works found on the website and which have been created and developed by WP Brokers or on instruction for WP Brokers, shall vest in WP Brokers. Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation to the product, service or process by WP Brokers. WP Brokers accepts no liability whatsoever for any loss, whether direct, indirect or consequential arising from information made available on these pages and for any actions or transactions resulting there from use of the website and any actions arising there from shall be governed in all respects by the law of the Republic of South Africa. By using this website, the user consents to the jurisdiction of the courts of South Africa in respect of all disputes. If you would like any more information about our website and the contents of this policy please contact info@plandirect.co.za

Promotion of Access to Information Act no.2 of 2000

1. Introduction The Promotion of Access to Information Act gives effect to the constitutional right of access to any information held by the state and any information that is held by another person and that is required for the exercise or protection of any rights. Specifically, section 51(1) of the Act provides that within six months after the commencement of this section (now the 31st December 2011) or within six months after coming into existence of the private body concerned, the head of a private body must compile a manual that must contain information regarding the subjects and categories of records held by such private bodies. In this context, a "private body" is defined as any natural person who carries or has carried on any trade, business or profession, but only in such capacity or any partnership which carries or has carried on any trade, business or profession or any former or existing juristic person (e.g. any company, close corporation or business trust). DIY Bond CC trading as WP Brokers falls within the definition of a "private body" and this Manual has been compiled in accordance with the said provisions and to fulfil the requirements of the Act. In terms of the Act, where a request for information is made to a body, there is an obligation to provide the information, except where the Act expressly provides that the information may not be released. In this context, Section 9 of the Act recognises that access to information can be limited. The limitation relates to circumstances where such release would pose a threat to the protection of privacy, commercial confidentiality, and the exercising of efficient governance. Accordingly, this manual provides a reference to the records held by DIY Bond CC trading as WP Brokers and the process that needs to be adopted to access such records. All requests for access to information (other than information that is available to the public) must be addressed to the Head of the Business named in section 2 of this Manual. 2. Business and Contact Details Name of Business: DIY Bond CC trading as WP Brokers Head of Business: Mr WJ Pretorius Position: Key Individual Postal Address: PO Box 824, Hermanus, Western Cape, South Africa, 7200 Physical Address: 25 High Street, Hermanus, Western Cape, South Africa, 7200 Phone Number: 0824172303 Fax Number: 0866482772 Email Address: wikus@wpbrokers.co.za Website: www.plandirek.co.za, www.wpmakelaars.co.za, www.plandirect.co.za, www.wpbrokers.co.za 3. Manual and Guidelines Any enquires relating to this guide should be directed to the Chief Executive Officer of the South African Human Rights Commission, 2nd Floor, Braampark Forum 3, 33 Hoofd Street, Braamfontein. Telephone 011 877 3750 or Fax 011 403 0668. Copies of the Guide are also available at the following places: The office of the Government Communications and Information Services; Library of Parliament, Cape Town; The South African Library, Cape Town; Natal Society Library, Pietermaritzburg; The State Library in Pretoria; City Library Services, Bloemfontein; The National Film, Video and Sound Archives, Pretoria; Copies of the Guide are also available in all official languages at the following offices: All offices of public bodies; All Magistrates’ Offices; All offices of the Department of Justice and Constitutional Development; All Post Offices; The Guide is also available at all offices and on the website of the South African Human Rights Commission,www.sahrc.org.za. 4. Records that are held at the offices of the business The following is a list of records that are held at the business’s office: Administration Correspondence Founding Documents Licences (categories) Statutory Returns Human Resources Statutory Records Training Records Operations Contracts General Correspondence Finances Annual Financial Statements Banking Records Contracts Financial Transactions General Correspondence Insurance Information Tax Records (company and employee) Statutory Records Financial Advisory and Intermediary Services Act 37 of 2002 Financial Intelligence Centre Act 38 of 2001 5. Information Request Procedure The requester must use the prescribed form to make the request for access to a record. A request form is available from our offices or at     www.wpbrokers.co.za The request must be made to the Head of Business named in Section 2 above. This request must be made to the address, fax number or     electronic mail address of the business. The requester must provide sufficient detail on the request form to enable the Head of Business to identify the record and the requester. The requester should also indicate which form of access is required. The requester should also indicate if any other manner should be used to inform the requester. If this is the case, please furnish the necessary particulars to be so informed. The requester must identify the right that is sought to be exercised or to be protected and must provide an explanation of why the requested record is required for the exercise or protection of that right. If a request is made on behalf of a another person, the requester must submit proof of the capacity in which the requester is making the  request to the satisfaction of Head of Business aforesaid. The prescribed request fee must be attached. We will respond to your request within 30 days of receiving the request by indicating whether your request for access has been granted or denied. Please note that the successful completion and submission of a request for access form does not automatically allow the requestor access to the requested record. Access will be granted to a record only if the following criteria are fulfilled: The record is required for the exercise or protection of any right; and The requestor complies with the procedural requirements set out in the Act relating to a request; and Access to the record is not refused in terms of any ground for refusal as contemplated in Chapter 4 of Part 3 of the Act. 6. Denial of access Access to any record may be refused under certain limited circumstances. These include: The protection of personal information from unreasonable disclosure concerning any natural person; The protection of commercial information held concerning any third party (for example trade secrets); The protection of financial, commercial, scientific or technical information that may harm the commercial or financial interests of any third party; Disclosures that would result in a breach of a duty of confidence owed to a third party; Disclosures that would jeopardize the safety or life of an individual; Disclosures that would prejudice or impair the security of property or means of transport; Disclosures that would prejudice or impair the protection of a person in accordance with a witness protection scheme; Disclosures that would prejudice or impair the protection of the safety of the public; Disclosures that are privileged from production in legal proceedings unless the privilege has been waived; Disclosures of details of any computer programme; Disclosures that will put DIY Bond CC trading as WP Brokers at a disadvantage in contractual or other negotiations or prejudice it in commercial competition; Disclosures of any record containing any trade secrets, financial, commercial, scientific, or technical information that would harm the  commercial or financial interests of DIY Bond CC trading as WP Brokers Disclosures of any record containing information about research and development being carried out or about to be carried out by DIY Bond CC trading as WP Brokers If access to a record or any other relevant information is denied, our response will include: Adequate reasons for the refusal; and Notice that you may lodge an application with the court against the refusal and the procedure including details of the period for lodging the application. 7. Fees The applicable fees are prescribed in terms of the Regulations promulgated under the Act. There are two basic types of fees payable in terms of the Act. Request Fee The non-refundable request fee of R 50 (excluding VAT) is payable on submission of any request for access to any record. This does not apply if the request is for personal records of the requestor. No fee is payable in such circumstances. Access Fee The access fee is payable prior to being permitted access to the records in the required form. The applicable fees are prescribed in terms of Part III of Annexure A as identified in Government Notice Number 187, Regulation 11. 7. Manual Availability This Manual is available at the offices of the South African Human Rights Commission. The Manual is also available at www.wpbrokers.co.za Copies may also be obtained from the Head of Business of DIY Bond CC trading as WP Brokers In respect of hard copies, any transmission costs or postage will be for the account of the requester.

Internal Policy on Conflict of Interest and Register of non-cash incentives

Objective In accordance with a financial services provider’s obligation to act in the best interest of his or her client, it is not permissible for a financial services provider to engage in conduct, whether by acting or failing to act, which would amount to a conflict of interest with that of the client. The primary objectives of this policy are: To provide guidance on the behaviors expected in accordance with the Code of Conduct. To promote transparency and avoid conflicts of interest. To ensure fairness in the interests of clients. To document the process for the disclosure, which may amount to actual, potential or perceived conflicts of interest. Process and Requirements Whenever WP Brokers renders a financial service, it must disclose to clients the existence of any personal interest in the relevant service, or of any circumstance which gives rise to an actual or potential conflict of interest in relation to such service, and take all reasonable steps to ensure fair treatment of the client. Non-cash incentives offered and/or other indirect consideration payable by another provider, a product supplier or any other person to WP Brokers, could be viewed as a potential conflict of interest. Disclosure will take the form of a specific disclosure of any personal interest in a specific service, as well as a general disclosure regarding non- cash incentives in WP Brokers Contact Stage Disclosure letter, as well as the maintenance of a Register of Non-Cash Incentives. The details of any non-cash incentives offered and/or other indirect consideration paid to WP Brokers by any other FSP, a product supplier or any other person will be recorded in the non-cash incentives register. The register will be available on the premises should a client wish to obtain further details. Personal Interest includes: Insurance where WP Brokers sells the product of a smaller product provider company in which WP Brokers has a financial interest for example, is a shareholder in the company. Instances where the interest is other than a reasonable amount of commission. Instances where the WP Brokers partakes in some sort of profit share with the product provider company. Non-cash incentives include: Offshore trips, seminars, holidays or other substantial gifts offered where there is an expectation to do, give or provide something in return for the product provider; Prizes or incentives offered to WP Brokers to reach a certain sales target for a specific product; Special commission rate given to the WP Brokers if WP Brokers sell’s a certain product; Small gifts such as lunches, golf days, rugby tickets, promotional will also be recorded in the register of non-cash incentives. Fair Treatment of the Client: At all times WP Brokers must be able to show that where there were similar products that may have been suitable with similar benefits, that the product recommended would have been recommended regardless of the incentive offered to WP Brokers.
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