1. Introduction and Scope
Cross Border Life Cover ("we", "us", "our") is dedicated to protecting your privacy and personal data. As a specialized financial services provider helping foreign nationals living and working in South Africa, we process unique and sensitive documentation. This policy describes how we collect, use, store, and transfer your personal information, specifically aligned with the Protection of Personal Information Act (POPIA), Act No. 4 of 2013, of South Africa.
2. Information We Collect
To register your underwritten policy, clear claims, or coordinate international repatriation services, we collect several categories of personal information. This includes:
- Identity Information: Full names, dates of birth, valid passports, permit details, and foreign identification numbers .
- Contact Information: Phone numbers, residential addresses in South Africa, email addresses, and designated family contact details in your home country .
- Financial Information: Bank account numbers and debit order authorizations for premium collections.
- Claim and Beneficiary Data: Medical notices of death, family relationship details, and beneficiaries' contact information .
3. How We Use Your Personal Information
We process your data strictly to fulfill our administrative, legal, and cover-related obligations, including:
- Processing and underwriting your chosen funeral cover plan.
- Verifying and managing monthly premium debit order collections.
- Arranging road and air funeral transportation, securing cross-border permits, and coordinating with consulates or embassies .
- Assisting with memorial masonry and stone arrangements according to your instructions.
- Fulfilling claims payouts to designated international beneficiaries within our standard timeline.
4. Cross-Border Data Transfers
As a provider specializing in cross-border insurance and repatriation, your personal information may be shared across South African borders. This occurs solely when coordinating transport permits, customs clearances, or arranging local family receipts in neighboring Southern African countries . We ensure that any regional partners, consulates, or logistics operators maintain equal or equivalent data security frameworks .
5. POPIA Compliance and Data Security
Under South Africa's POPIA regulation, we maintain strict technical and physical safeguards to prevent unauthorized access, loss, or damage to your data [2, 3]. Access to delicate document scans (such as foreign passports) is restricted only to authorized administrative personnel managing active claims or registrations [1, 2].
6. Your Rights
You have the right to request access to the personal information we hold, request corrections or updates to outdated records, or object to the processing of your data under specific conditions [4]. If you have any inquiries regarding your information, please contact our Data Protection Officer at our main office in Midrand, South Africa.