1. Who we are
This website, The Wealthest, is the financial advisory practice of Stephan Maritz, operating under 1.618 Advisory Services (Pty) Ltd (Registration No. 2012/115015/07), a juristic representative of Discovery Life Limited, an authorised financial services provider, FSP No. 18147.
We are the "responsible party" for your personal information under the Protection of Personal Information Act, 2013 (POPIA). Our Information Officer can be reached at capetown.broker@gmail.com.
2. What information we collect
- Identity and contact details: your name, email address, and phone number.
- Enquiry details: the product or cover you're interested in, and your answers to the questions on our enquiry forms (e.g. current cover, budget, circumstances) that help us understand your needs.
- Communication preferences: whether you have opted in to receive updates by email and/or WhatsApp.
- Technical and usage data: basic analytics (pages visited, referral/UTM source) collected via cookies to understand how the site is used.
We collect this information directly from you when you complete a form (on this website or in a form inside Facebook or Instagram), book a call, or contact us. The calculators and the "Find the right cover" tool on this website run in your browser; what you type into them is not saved or sent to us.
3. How and why we use your information
| Purpose | Lawful basis under POPIA |
|---|---|
| To respond to your enquiry and provide financial advice after a needs analysis | Necessary to take steps at your request before entering into a possible arrangement, and to perform our function as your adviser |
| To send you marketing updates by email and/or WhatsApp | Your consent, only where you have actively opted in (you can withdraw at any time) |
| To operate, secure, and improve this website | Our legitimate interest in running our business responsibly |
| To comply with legal and regulatory obligations (including FAIS record-keeping) | Compliance with a legal obligation |
4. Direct marketing and your choices
We will only send you marketing communications (newsletters, tips, offers) on the channels you have specifically opted in to: email, WhatsApp, or both. Responding to an enquiry you submitted is not marketing and does not require opt-in.
5. Who we share it with
We do not sell your personal information. We share it only with trusted service providers ("operators") who process it on our behalf, under contract, to deliver our service:
- Tally: hosts our enquiry forms.
- Meta Platforms (Facebook/Instagram): hosts our in-app enquiry forms, when you submit an enquiry through a Facebook or Instagram ad.
- Make.com: moves your enquiry securely between our systems.
- Google (Workspace / Sheets): stores enquiry records.
- HubSpot: our customer relationship management (CRM) system.
- Calendly: lets you book a call with us.
- WhatsApp (Meta Platforms): delivers messages where you've opted in to WhatsApp, or where you contact us on WhatsApp.
- Google Analytics: provides anonymised website usage statistics.
Where you decide to take up a financial product, your information will also be shared with the relevant product supplier (for example, Discovery) to arrange that product.
6. Cross-border processing
Some of the service providers above store data on servers outside South Africa. Where this happens, we take reasonable steps to ensure your information continues to receive an adequate level of protection, as required by POPIA.
7. How long we keep it
We keep your information for as long as needed to respond to your enquiry, provide advice, and meet our legal and regulatory record-keeping obligations (FAIS generally requires records to be kept for at least five years). Where you have opted in to marketing, we keep your details until you opt out.
8. How we protect it
We apply reasonable technical and organisational measures to protect your information against loss, unauthorised access, and misuse. No system is completely secure, but we work only with reputable providers that maintain recognised security standards.
9. Your rights under POPIA
You have the right to:
- Ask what personal information we hold about you, and request a copy.
- Ask us to correct or delete information that is inaccurate or no longer needed.
- Object to processing, or withdraw your consent to marketing, at any time.
- Lodge a complaint with the Information Regulator.
To exercise any of these rights, contact our Information Officer at capetown.broker@gmail.com.
10. Complaints to the Regulator
If you believe we have not handled your information properly, you may complain to the Information Regulator (South Africa): inforegulator.org.za. We'd appreciate the chance to resolve it with you first, so please reach out to us before you do.
11. Cookies and analytics
This site uses essential cookies and Google Analytics to understand traffic and improve the experience. You can control or delete cookies through your browser settings; blocking them may affect how parts of the site work.
12. Changes to this policy
We may update this policy from time to time. The "effective date" at the top shows when it was last changed. Material changes will be reflected on this page.
13. Contact us
For any privacy question or request, contact our Information Officer, Stephan Maritz, at capetown.broker@gmail.com.