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Privacy Policy

Privacy Policy (Updated July 2021)

This Privacy Notice describes how the Meerkat Group collects, uses, discloses, retains and protects your personal information, in accordance with the Protection of Personal Information Act (POPIA) and other relevant laws. 

The Privacy Notice applies to any website, application, form, document, product or service which references this Privacy Notice.   


1.1 In this Privacy Policy, and reference to ‘Meerkat’, or ‘we’ refers to MyMeerkat (Pty) Ltd, MyMeerkat FSP (Pty) Ltd and Zalpen (Pty) Ltd. 

1.2 Meerkat collects, uses and, in some circumstances, shares the personal information of Users in and through this website. 

1.3 Meerkat respects the rights of Users whose personal information is collected and used by it, including their right to protection against the unlawful collection, retention, sharing and use of such personal information. 

1.34 The purpose of this Privacy Policy is to provide Users with information about the information processing activities of Meerkat and the manner in which their rights are protected. 

1.5 This Privacy Policy shall serve as a blanket notification to Users about Meerkat processing activities which will remain valid for as long as one has an active account with Meerkat. Users will not be notified separately on each occasion that Meerkat processes the same personal information in the same way over the period. 

1.6 Meerkat may amend the provisions of this Privacy Policy to comply with any changes in the law, and/or pursuant to any changes to its information processing activities or privacy practices. Such amendments will be published on the website and will become operable from the date of such publication. 

1.7 This privacy policy, and the interpretation and enforcement thereof, will be governed by the laws of the Republic of South Africa. 

1.8 The provisions of this Privacy Policy must, as far as possible, be incorporated into the agreement between Meerkat and Users. 


2.1 In this Privacy Policy, the following words bear the following meanings: 

2.1.1 “application” means any Meerkat web-based application; 

2.1.2 ‘’consent’’ means any voluntary, specific and informed expression of will in terms of which permission is given by or on behalf of a User for the processing of their personal information; 

2.1.3 ‘‘direct marketing’’ means to approach a data subject, either in person or by mail or electronic communication, for the direct or indirect purpose of promoting or offering to supply any goods or services to the data subject; 

2.1.4 ‘’information officer’’ means the Chief Financial Officer of Meerkat. 

2.1.5 ‘‘operator’’ means an outside third party who processes personal information for or on behalf of Meerkat in terms of a contract or mandate; 

2.1.6 ‘’personal information’’ means any information linked to a User or information that can identify a User, including but not limited to: information relating to a User’s gender, nationality, ethnic or social origin age, language, financial status and creditworthiness; a User’s identity number, e-mail address, physical address, cellphone number, location information or online identifier; a User’s personal opinions, views or preferences; correspondence sent by a User which is of a private or confidential nature; and the User’s name if it appears with other personal information relating to that User, or if the disclosure of their name on its own would reveal further personal information about that User; 

2.1.7 ‘’POPIA’’ means the Protection of Personal Information Act, including any regulations or codes of conduct promulgated under it; 

2.1.8 ‘’PROATIA’’ means the Promotion of Access to Information Act 2 of 2000; 

2.1.9 ‘’process or processing’’ means, in relation to personal information, any operation or activity or any set of operations, whether or not by automatic means, including: the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use of that information; dissemination by means of transmission, distribution or making available in any other form; or merging, linking, as well as restriction, degradation, erasure or destruction of that information; 

2.1.10 ‘’User’’ means a visitor or user of this website, or any of the content or services associated with this website or the application; and 

2.1.11 ‘’the website’’ means the website or any part thereof which is accessible from www.Meerkat.co.za; www.MyMeerkat.com; www.MyMeerkat.co.za; my.meerkat.co.za www.MyMeerkat.co.uk; and www.mkat.co; 

2.2 Any reference in this Privacy Policy to: 

2.2.1 the singular includes the plural and vice versa; 

2.2.2 any one gender includes the other genders, as the case may be; 

2.2.3 an act, regulation or other law is to the version of that law in force at the effective date of this Policy and includes any amendment or re-enactment made to that law after the effective date of this Policy. 

2.3 When calculating any number of days for the purposes of this Policy, the first day must be excluded and the last day of the relevant interval included, unless the last day is not a business day, then the last day will be the next succeeding business day. 

2.4 The word “include” means “include without limitation”. Use of the word ‘’include’’ or ‘’in particular’’ is for illustration or emphasis only and where followed by specific examples must not be interpreted as limiting the meaning of the general wording preceding it. 

2.5 A requirement that any Policy, request, demand or other communication made in terms of this Privacy Policy must be in writing will be met if it is in the form of a data message as defined in the Electronic Communications and Transactions Act, No. 25 of 2002, and is accessible in a manner usable for subsequent reference. 


3.1 Meerkat will be the party who will be collecting and processing a User’s personal information and as such is designated as the ‘’responsible party’’ for the purposes of this Policy. 

3.2 Meerkat‘s contact details are as follows: 

3.2.1 Email address: info@meerkat.co.za, and 

3.2.2 Website address: www.meerkat.co.za and my.meerkat.co.za 

3.3 Meerkat may instruct third party operators from time to time to undertake certain processing activities relating to the User’s personal information. 


4.1 Meerkat may collect the following personal information from the User/or on behalf of: 

4.1.1 Initials, first name, surname; 

4.1.2 Date of birth; 

4.1.3 Email address; 

4.1.4 Age; 

4.1.5 Language preference; 

4.1.6 Gender; 

4.1.7 Spouse and children’s details; 

4.1.8 Creditworthiness; 

4.1.9 Location; 

4.1.10 State of health and medical records; 

4.1.11 Home Affairs information; and 

4.1.12 Cellphone number. 

4.1.13 Bank Account 

4.1.14 Employer 

4.1.15 Financial information 

4.1.16 Online information 

4.1.17 Contractual information 

4.2 The supply of personal information by the User to Meerkat is voluntary and not mandatory. However, if the User refuses to supply any personal information, certain consequences may naturally flow from such a refusal, such as preventing Meerkat from concluding or performing any contract with the User, or preventing Meerkat from complying with one or more of its obligations in law or we may not be able to provide you with a relevant service or would have to terminate our business relationship.  

4.3 Should the User provide details of their spouse and or children, they warrant that they will have obtained such permission from their spouse and if necessary the children’s legal guardians. 

4.4 Meerkat is required in terms of laws regulating the provision of financial advice to collect certain personal information about a User, 

4.4.1 including for the purposes of assessing the appropriateness of any financial product for such User. In this regard you specifically consent to the following disclosure and collection of relevant personal and private information about the the User. Such information is furthermore required to – determine my financial situation, financial product experience and financial needs and objectives; acquire, maintain and service any financial product or to render related intermediary services. 

4.4.2 Such information may include any information relating to, or interest in – long-term insurance; collective investment schemes; pension funds; any other financial product or service. 

4.4.3 The User agrees that the best manner to satisfy this requirement is by the User’s consent to such information being provided by – The Financial Services Exchange (Pty) Ltd, trading as Astute, or any other institution providing a mechanism for the transmission of such information, or any other authorised financial services provider. 


We have regulatory obligations, including compliance with anti-money laundering legislation, to process your personal information. This includes verifying your identity or the identity of your beneficial owner and/or controlling persons. We are also required by various laws to maintain a record of our dealings with clients. 

In order for us to provide clients with the financial products and services they have requested and to notify them of important changes to such products and services, we need to collect, use and disclose the personal information of clients, their representatives, controlling persons of entities, business contacts, staff of clients and service providers. 

5.1 Meerkat shall only collect a User’s personal information for a specific, explicitly defined and lawful purpose relating to a function or activity of Meerkat business which is the offering of lifetime financial advice. 

5.2 Such purposes may include the following: 

5.2.1 to enter into a contract with a User; 

5.2.2 to perform any obligations under a contract with a User; 

5.2.3 to comply with a legal obligation; 

5.2.4 to protect a legitimate interest of a User (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds); 

5.2.5 to pursue its own legitimate interests or the legitimate interests of a third party who it is sharing the information with (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds); 

5.2.6 to process personal information for direct marketing purposes (unless the User has opted out of receiving any direct marketing material in which event details will be retained to maintain this list); 

5.2.7 to present content to the User in the most effective way for them and their viewing device and browser; 

5.2.8 to customise and display content including, but not limited to products, articles, listings and advertisement to the User in a way that Meerkat feels may interest the User or be most beneficial to them; 

5.2.9 to send content including, but not limited to products, articles, listings and advertisement content to the User via email or other electronic media, where the User has consented to be contacted by Meerkat with such content; 

5.2.10 to enable the User to voluntarily participate in interactive features on the website or application; 

5.2.11 to notify the User about changes to the website or application. 

5.3 If Meerkat intends to process a User’s personal information for any other purpose not listed in clause 5.2 or which is otherwise not automatically permitted by law, it shall ensure that it obtains the User’s written consent to do so. 

5.4 Meerkat will not sell a User’s personal information to any third party without the prior written consent of the User. 


6.1 Meerkat shall, as far as possible, always collect personal information about a User directly from the User, except in the following circumstances: 

6.1.1 Where personal information is collected from a public record, or from another source if the information has already been made public by the User; 

6.1.2 where the User has given their consent to Meerkat to collect their information from another source; 

6.1.3 where the collection of a User’s personal information from another source will not prejudice any of the User’s legitimate interests; 

6.1.4 where the collection of personal information from another source is necessary to maintain Meerkat’s legitimate interests or those of any third party it intends sharing the information with; 

6.1.5 where the collection of personal information directly from the User would prejudice the purpose for the collection; 

6.1.6 where the collection of personal information directly from the User is not reasonably practicable in the circumstances. 

6.2 If Meerkat collects personal information from a source other than the User, it shall record in writing the details of that source, including the full names and contact details of that source where applicable. 

6.3 The User hereby consents to Meerkat requesting and obtaining credit information pertaining to the User from any reputable credit reporting agency or institution for the purpose of concluding any transaction for the sale of goods or services to the User on this website. 

6.4 Personal information may be collected from or supplied by the User in any of the following ways: 

6.4.1 during the process of registering as a member on this website or the application; 

6.4.2 provided by the User as part of their profile pages on the website or the application, or through other social media platforms like LinkedIn, Facebook, Instagram and WhatsApp; 

6.4.3 when subscribing to a service, entering into a competition or promotion, or participating in a survey offered on this website or the application; 

6.4.4 when posting a comment, review, reply or recommendation on this website or the application; 

6.4.5 when requesting further services or information from Meerkat; 

6.4.6 when contacting Meerkat to report a problem with the website or the application or for any other reason; 

6.4.7 when completing any forms on the website or the application. 

6.5 The User may visit the website without providing any personal information. However, the website’s servers may still collect technical information regarding the use of the website, which is aggregated for analytical purposes, technical maintenance and for improving the content offered on the website. Such information may include details of the User’s visit, information about the User’s computer, including IP (Internet Protocol) address, operating system and browser type, the User’s location, and usage information. An individual User will not be identified from or by this information and Meerkat is entitled to copy, distribute or otherwise use such information without limitation 


7.1 “Cookies” are small text files transferred by a webserver to a User’s hard drive and thereafter stored on their computer. The types of information a Cookie collects includes a User’s username, the date and time of their visits to the website, their browsing history and preferences. 

7.2 Meerkat may use Cookies on this website to: 

7.2.1 distinguish one User from another on the website; 

7.2.2 remember the User’s last session when they return to the website; 

7.2.3 estimate the website’s audience size and usage patterns; 

7.2.4 store information about the User’s preferences, which allows Meerkat to customize the website and content according to the Users individual preferences; and 

7.2.5 speed up searches on the website. 

7.3 The provisions of this clause are only applicable to Cookies used by Meerkat. In some instances, third-party service providers may use Cookies on the website. Meerkat cannot and does not control or access Cookies used by third party service providers and takes no responsibility therefor. 

7.4 The User has the right and ability to either accept or decline the use of Cookies on their computer’s web browser, whether they are logged in as a member, or simply casually visiting the website. However, declining the use of Cookies may limit a User’s access to certain features on the website. 


8.1 Meerkat shall comply with all laws, contracts or regulations when it processes a User’s personal information. 

8.2 Meerkat shall not act unreasonably when processing a User’s personal information. This means that it will collect and process a User’s personal information in a way that the User can reasonably expect and in a way that is fair. 

8.3 Meerkat shall respect the User’s right to privacy at all times. If there is another way in which it can achieve the same goal without posing any risk of harm to the privacy rights of the User, then it will choose that option. 

8.4 Similarly, if Meerkat needs to process personal information but there are less privacy-invasive methods of collecting, using and sharing that information, then it will use those methods. 

8.5 Meerkat shall ensure that the personal information that is collected and processed is and remains relevant to the identified purpose/s for such processing, and that such information is and remains adequate, but not excessive, for achieving the identified purpose/s. 

8.6 Meerkat shall ensure that, regardless of the stated purpose/s for processing personal information, the rights and interests of Users will not be unnecessarily prejudiced or infringed, unless it cannot be avoided, and then in such cases, it shall ensure that its own rights and/or interests justify such prejudice or infringement taking place. 

8.7 Once Meerkat has achieved the purpose for the collection of the User’s personal information, it will destroy or delete such information, unless the User has directed otherwise in writing, or Meerkat is required by law to retain the information for a longer period of time. Should a User require the deletion of their data they are requested to contact Meerkat at info@meerkat.co.za

8.8 If Meerkat no longer needs to process personal information to achieve the purpose originally specified, it will stop using that information. 


9.1 Meerkat may, in the course of providing any content or services on this website, or for the purposes of concluding or performing any sale or other transaction with a User, share certain personal information with third party operators who perform certain processing activities on behalf of Meerkat. 

9.2 The information shared and the categories of third party operators with whom it is shared will always be notified to you prior to being shared. In particular, it is essential for insurance companies to share claims and underwriting information (as well as credit information) in order to enable the fair assessment and underwriting of risks and to reduce the number of fraudulent claims.  

By accepting this Privacy Policy you consent to the disclosure of any insurance information and personal information relating to you or your partner or children and which is provided by you or your behalf for any insurance policy or claim made or lodged by you or on your and further agree to such information being disclosed to any other insurance company, whether on their behalf or on behalf of any person represented herein, and that such information may be verified against other databases. You warrant that you have obtained the consent of your partner to share and cause to be shared the information and/or personal details relating to your partner and children, as provided for above, and hold Meerkat harmless with regard hereto. You hereby indemnify, and keep indemnified, Meerkat and/or its agents and/or its assigns against any loss, liability and cost which the Insured and/or its agents and/or its assigns may or does incur as a result of or arising out of the use and/or sharing of personal information relating to your partner and children, including, without limitation, each loss, liability and cost incurred as a result of defending or settling a claim alleging such a liability. 

9.3 Meerkat may also share aggregated information about Users of this website and their usage patterns. Meerkat may also use such aggregated information to help advertisers target specific audiences. Such aggregated information will be de-identified and the User’s personal information will not be disclosed. 

9.4 Other than as stated in clause 9.1 and 9.3, Meerkat shall not share a User’s personal information with any third parties unless it has the User’s express consent to do so. 


10.1 Users shall have the following rights in relation to the processing of their personal information: 

10.1.1 to access and correct any personal information held by Meerkat about them; 

10.1.2 to object to the processing of their information; and 

10.1.3 to lodge a complaint with the Information Regulator. 

10.2 Users may make a request in terms of clause 10.1.1 by following the process for making such a request as set out in Meerkat's PAIA manual. 


11.1 Meerkat shall not process a User’s personal information for any purpose not previously specified except in the following circumstances: 

11.1.1 where the User has consented to such further processing; 

11.1.2 where the further processing is necessary for the exercise of any contractual rights or the fulfillment of any obligations between Meerkat and the User; 

11.1.3 where the further processing activities are linked to or compatible with the original purpose; 

11.1.4 where the further processing is necessary for the prevention, detection, investigation, prosecution and punishment of an offence; 

11.1.5 where the further processing is necessary to enforce any law; 

11.1.6 where the further processing is necessary for the conduct of legal proceedings in any court or tribunal that have commenced or are reasonably contemplated; 

11.1.7 where the further processing is necessary to prevent or mitigate a serious and imminent threat to the life or health of the User or another individual; 

11.1.8 where the further processing is necessary for historical, statistical or research purposes. 

11.2 Meerkat shall ensure that if it intends processing personal information for other purposes not previously specified, it shall notify the User of such further purposes and the possible consequences of the intended further processing for the User. 


12.1 Meerkat shall take reasonably practicable steps to ensure that the personal information kept by it about Users is complete, accurate, not misleading and is updated when necessary, including without limitation any change in your employment be it a change in position, company, remuneration or retirement. In order to do this, you agree to update any amended details on our website. 

12.2 However, if a User is aware of any personal information in Meerkat’s custody that is incorrect, inaccurate or which needs to be updated, the User must make a written request to Meerkat's information officer at info@Meerkat.co.za to update or correct the relevant information. 

12.3 If a User has contested the accuracy of any personal information being used by Meerkat, it shall immediately stop using that information until its accuracy has been verified. 

12.4 Meerkat reserves its right to only adhere to a request from a User in terms of clause 12.2 if the correction or updating of that information will result in the personal information being correct and accurate. 

12.5 Where personal information that has been shared by Meerkat with a third party is subsequently updated or corrected, Meerkat shall ensure that all third parties, with whom that information was shared, receives the updated and/or corrected version of the information as soon as it has been updated and/or corrected. 


13.1 Meerkat is committed to protecting the personal information in its custody against any loss of, damage to or unauthorised destruction of that information, and to prevent any unauthorised parties from accessing that information. 

13.2 Meerkat takes steps to continually identify and document any risks to the personal information it has in its possession or under its control and that appropriate security safeguards are in place against those risks. 

13.3 Meerkat shall ensure that in any contracts entered into with third party operators who process personal information on Meerkat's behalf, include the following obligations: 

13.3.1 the operator shall not process any personal information without Meerkat’s  knowledge and authority; 

13.3.2 the operator shall treat all personal information given to it as confidential and shall not disclose it to any unauthorised third parties; 

13.3.3 the operator shall establish and maintain adequate security measures which are the same or offer similar protection over the personal information as that employed by Meerkat; 

13.3.4 the operator shall notify Meerkat immediately where there are reasonable grounds to believe that any personal information has been leaked to or accessed by any unauthorised person; 

13.3.5 if the operator is situated in another country, it must comply with the data protection laws in that country and be able to provide verification that it is so compliant; 

13.3.6 if an operator is legally obliged to disclose any personal information processed by them on Meerkat's behalf to other parties, it must notify Meerkat beforehand to enable Meerkat and/or individual Users to protect their rights if necessary. 

13.4 Users must maintain the secrecy of any passwords used to gain access to this website and should change such passwords regularly. 

13.5 Meerkat shall ensure that all personal information on its systems is properly backed-up and that back-up copies are stored separately from the live files. 


14.1 If personal information about a User is inadvertently leaked or Meerkat's security has been unlawfully breached by any unauthorised party, Meerkat shall immediately identify the relevant Users who may be affected by the security breach, and shall contact them at their last known email address or contact details or by the quickest means possible. 

14.2 Meerkat shall provide sufficient information to the User to allow him or her to take the necessary protective measures against the potential consequences of the compromise, or shall advise Users of the steps to be taken by them and the possible consequences that may ensue from the breach for them. 


15.1 If Meerkat is required to make a decision about a User using any personal information that has been obtained, it shall ensure that a record of such information and the decision made is kept for a reasonable period of time to give the User an opportunity to request access to that record. 

15.2 Meerkat shall allow a User a reasonable opportunity to make representations before any decision is made solely on the basis of the personal information processed, if that decision will affect the legal position of the User, or will otherwise adversely affect them in some manner or form. 

15.3 Meerkat shall always ensure that the underlying logic behind any decision made pursuant to the automated processing of personal information is sound and that this underlying logic can be communicated to the User to enable them to make representations. 

15.4 If Meerkat has made a decisions based on incorrect personal information, it shall immediately revisit that decision as soon as it receive Policy or becomes aware of the error or inaccuracy of that information. 


16.1 This website may contain links or references to other websites, including those of advertisers (“third party websites“) which are not under Meerkat’s control. 

16.2 The provisions of this Privacy Policy are not applicable to third party websites and Meerkat shall not responsible for the information processing practices and/or privacy policies of those third party websites, or the cookies that those websites may use. 


17.1 The User hereby consents to the processing of their personal information for the purpose of direct marketing by means of electronic communications including automatic calling machines, facsimile machines, SMS’s or electronic mail. 

17.2 Where a User is a pre-existing customer of Meerkat, Meerkat shall be entitled, without the User’s consent, to sending electronic communications to the User for the purpose of marketing similar products or services offered by Meerkat. 

17.3 The User may object, free of charge, and without unnecessary formality, to the use of their details either when the information was first collected from them or when each subsequent electronic communication is sent to them by Meerkat. 

17.4 The User can opt out of receiving further marketing communications by un-checking certain boxes on the forms used on the website to collect their personal information, or by contacting Meerkat at info@meerkat.co.za 


Meerkat shall not process any personal information relating to a person under the age of 18 years unless it has obtained consent from that person’s parent or legal guardian. If this website is being accessed by the parent or guardian of a child under the age of 18 years, and personal information pertaining to that child is being provided by the parent or guardian, then they hereby expressly consent to Meerkat processing such information according to the further provisions of this Privacy Policy. 


19.1 Meerkat may transfer personal information to another country in the following circumstances: 

19.1.1 the transfer is necessary for the performance of a contract that Meerkat has with the User; 

19.1.2 the transfer is necessary for the conclusion or performance of a contract with a third party which is for the benefit of or in the interest of the User; 

19.1.3 the transfer is otherwise for the benefit of the User; or 

19.1.4 the User has consented to the transfer of their information. 

19.2 If Meerkat is required to transfer personal information from South Africa to a third party in a foreign country, it shall ensure that the third party is subject to a law, binding code of conduct or contract which effectively upholds principles for the reasonable processing of personal information which are substantially similar to the data protection offered in the Republic of South Africa. 


20.1 Meerkat will keep a record of any personal information collected for no longer than is necessary to achieve the specific purpose for which it collected such information in the first place unless: 

20.1.1 It is required by law to keep a record of such information for a longer period of time; or 

20.1.2 It needs to keep a record of such information for another lawful purpose; or 

20.1.3 It has a contractual obligation to keep a record of such information; or 

20.1.4 The User has consented to their information being kept for a longer period. 

20.2 Meerkat may, if it has de-identified personal information, kept such information for historical, statistical or research purposes. Meerkat shall ensure that appropriate safeguards are in place to prevent those records from being used for any other purposes, or against the information being re-identified. 


21.1 Where Meerkat is no longer authorised to retain a record of any personal information, it shall ensure that the information is permanently destroyed or deleted as soon as reasonably practicable. 


22.1 The User hereby consents to the processing of their personal information in terms of the provisions of this Privacy Policy. 

22.2 The User acknowledges and agrees that such consent has been given voluntarily after the User has read and understood the provisions of this Privacy Policy, in particular, regarding the following: 

22.2.1 the types of personal information to be processed; 

22.2.2 the specific processing activities to be undertaken; 

22.2.3 the specific purpose/s for such processing; and 

22.2.4 the possible consequences for the User that may arise from such processing. 

22.3 Should a User wish to withdraw any consent previously given by the User, they must notify Meerkat’s information officer in writing by email to info@meerkat.co.za 


23.1 A User may, on reasonable grounds, object to the processing of their personal information at any time after that processing has started. 

23.2 If a User wishes to object to the processing of their personal information, they must send written notification of their objection to Meerkat’s information officer, together with their reasons for doing so. 


This Privacy Policy shall be governed and interpreted in accordance with the laws of the Republic of South Africa. 


25.1 Meerkat reserves the right to change, update, add, remove and/or amend any of the provisions of this Privacy Policy from time to time. Such changes, updates, additions, removals or amendments will become effective from the date of their publication on this website. 

25.2 It is the User’s obligation to periodically check the provisions of this Privacy Policy for any such changes, updates, additions, removals or amendments. 

25.3 The User’s continued use of this website following any changes, updates, additions, removals or amendments to this Privacy Policy will be considered Policy of the User’s acceptance to abide by and be bound by this Privacy Policy, as amended. 


For more information on your rights to privacy over your information, or the information processing activities of Meerkat, please do not hesitate to contact us directly on info@meerkat.co.za 



Date of last update:15 July 2021

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