Privacy Policy

Tri-Marine Acceptances (Pty) Ltd (“TMA”, “we”, “our”, or “us”) is committed to protecting the personal information and  privacy of all individuals who interact with us, including visitors to our website, policyholders, clients, employees, service  providers, and partners. 

This Privacy Policy is aligned with the requirements of the Protection of Personal Information Act (POPIA) and other  applicable South African privacy laws. It explains how we collect, use, store, share, and protect your personal information. 

Application of This Policy 

This policy applies to: 

  • All users of our website and online platforms; 
  • All personal information collected through forms, applications, quotes, claims, or correspondence; • All individuals whose data we may process in the course of providing our insurance services. 

What Is Personal Information? 

“Personal Information” means any information relating to an identifiable, living natural person or existing juristic person,  including but not limited to names, identity numbers, contact details, financial information, health information, and  employment history, as defined under POPIA. 

Collection of Personal Information 

We collect personal information: 

  • Directly from you when you complete an application, request a quote, submit a claim, or engage with our  services; 
  • Automatically via our website using cookies and analytics tools; 
  • From third parties where lawful and necessary (e.g. insurance brokers or service providers). We only collect information that is relevant, necessary, and lawful for the intended purpose. 

Use of Personal Information 

We use personal information to: 

  • Provide and administer insurance products and services; 
  • Process applications and claims; 
  • Communicate with you and respond to enquiries; 
  • Comply with legal, regulatory, and contractual obligations; 
  • Improve our services, website functionality, and customer experience; 
  • Send newsletters, promotions, or surveys (only with your consent). 

Sharing and Disclosure of Personal Information 

We do not sell or rent your personal information. 

We may share your information with: 

  • Our employees, authorised representatives, and contractors; 
  • Affiliated insurers, underwriting managers, or claims processors; 
  • Service providers involved in hosting, marketing, analytics, or communication (subject to agreements that ensure  POPIA compliance); 
  • Regulatory or legal authorities when required by law or court order. 

Third parties are required to treat your personal information as confidential and only process it for the agreed purposes. 

Your Rights Under POPIA 

As a data subject, you have the right to: 

  • Access your personal information; 
  • Request correction, deletion, or update of your personal data; 
  • Object to processing or withdraw your consent at any time; 
  • Lodge a complaint with the Information Regulator. 

To exercise any of these rights, please contact our Information Officer using the details below.

Website Privacy and Cookies 

We use cookies to enhance your browsing experience and gather anonymised website usage data. Cookies are small files  placed on your device to remember preferences and improve website performance. 

You may disable cookies in your browser settings, though this may affect website functionality. 

Third-Party Tracking: 

We may use third-party platforms (e.g. Google Analytics, DoubleClick) for website analytics and advertising purposes.  These providers may use cookies to serve ads based on previous visits to our site. Users can opt out of these cookies via  the Google Ads Settings or Network Advertising Initiative opt-out page. 

Data Retention 

We retain personal information only for as long as necessary to fulfil the purpose for which it was collected or as required  by law. Thereafter, it is securely destroyed or anonymised. 

Security of Information 

We implement reasonable technical and organisational measures to protect personal information, including: • Firewalls and antivirus software; 

  • Role-based access control; 
  • Data encryption and secure servers; 
  • Employee privacy training and access protocols. 

In the event of a security breach, we will notify the affected parties and the Information Regulator as required by law. 

Email Disclaimer 

Emails sent by Tri-Marine Acceptances may contain privileged or confidential information. If you receive an email in error,  please notify us immediately and delete the message. Any unauthorised use, disclosure, or distribution is prohibited. 

Copyright and Trademarks 

All content, materials, and intellectual property available on the Tri-Marine Acceptances (Pty) Ltd website—including but  not limited to text, graphics, logos, images, designs, layout, databases, software, and documentation—are the property of  Tri-Marine Acceptances or its licensors and are protected under South African and international copyright, trademark, and  intellectual property laws. 

Ownership and Restrictions 

The Tri-Marine Acceptances name, logo, and other proprietary marks are registered trademarks and may not be used  without our prior written consent. 

No part of this website or any of its content may be reproduced, copied, distributed, republished, downloaded, displayed,  posted, transmitted, or otherwise used for commercial purposes without the express written permission of Tri-Marine  Acceptances. 

Users may download and view website content for personal, non-commercial use only, provided all copyright and  proprietary notices remain intact. 

Misuse and Legal Action 

Any unauthorised use of our intellectual property may result in civil or criminal liability. Tri-Marine Acceptances reserves  the right to take legal action to protect its rights and enforce compliance with applicable intellectual property laws. 

Disclaimer 

Tri-Marine Acceptances (Pty) Ltd makes every reasonable effort to ensure the accuracy and reliability of the information  provided on its website and digital platforms. However, the content is provided for general information purposes only and  does not constitute professional advice, an offer, or a binding contract unless explicitly stated. 

No Warranties or Guarantees 

We make no warranties, representations, statements, or guarantees (express or implied) regarding the accuracy,  completeness, timeliness, suitability, or availability of any information, content, products, services, or related graphics  contained on the website for any purpose.

Use of the website is at the user’s own risk. All content is provided “as is” and “as available” without any warranties of any  kind. 

Professional Advice Disclaimer 

The information on this site should not be interpreted as legal, financial, insurance, or investment advice. Users are advised  to contact a licensed insurance representative or financial advisor for specific guidance related to their circumstances. 

Limitation of Liability 

Tri-Marine Acceptances, its directors, employees, consultants, agents, or affiliated service providers shall not be held liable  for any loss or damage (including direct, indirect, special, incidental, punitive, or consequential damages), whether in  contract or in delict (tort), arising from: 

  • The use of, or reliance on, the website and its content; 
  • Inability to use the website due to interruptions, downtime, or technical faults; 
  • Errors or omissions on the site or outdated information; 
  • Virus infections, hacking, data breaches, or unauthorised access; 
  • The submission or reliance on inaccurate or incomplete personal or policy information. 

External Links and Third-Party Content 

Our website may contain links to third-party websites. These links are provided solely for convenience and do not imply  endorsement by Tri-Marine Acceptances. We are not responsible for the content, privacy policies, or practices of such  third-party websites and accept no liability for any loss or damage arising from their use. 

User Responsibilities 

Users must ensure the accuracy of information provided to us. Failure to do so may affect policy issuance, claims  processing, or other services. Users are also responsible for keeping their login credentials (e.g., usernames and passwords) secure and confidential. 

Contacting Us 

For any questions, access requests, or complaints regarding your personal information, please contact: Information Officer: Sandra Smith 

Email: popia@trimarine.co.za 

Postal Address: 

P.O. Box 347 

Plumstead, Cape Town 

7801 

Physical Address: 

Unit UFO2, Lionshead House 

Greenford Office Estate 

Punters Way, Kenilworth 

7700 

Policy Changes 

We may amend this Privacy Policy from time to time. The updated version will be posted on our website, and any material  changes will be communicated directly to data subjects where appropriate.