Clear information, without the legal fog.
This notice applies to personal information processed in connection with the Ohmni Power Financial Solutions business and website activities, where applicable. It should be read together with the Legal & Compliance page, Terms of Use, and any service-specific disclosures or consents used during regulated financial-services processes.
Who we are
For purposes of this notice, the responsible party is the entity that determines the purpose and means of processing personal information in relation to the relevant OPFS business or website activity, where applicable.
The Legal & Compliance page is the authoritative source for OPFS regulatory, PAIA and complaints information. Privacy enquiries and requests, including matters that fall within Information Officer responsibilities under applicable law, may be directed to OPFS through the published contact channels on this page.
What personal information we may collect
The categories of information processed will depend on the nature of your enquiry, relationship with OPFS, and the financial service or product involved. Where applicable, information may include:
- Name, surname and identity-related information.
- Telephone numbers, email addresses, postal or physical addresses and other contact details.
- Information submitted through website enquiry, contact or quotation forms.
- Financial-services requirements, needs and objectives.
- Insurance-related, policy, product, employment or business information.
- Financial information where reasonably necessary for the relevant service or regulated process.
- Communications, correspondence and records of interactions.
- Website, device, browser, IP-address, cookie and analytics information where applicable.
- Marketing preferences and opt-in or opt-out records.
- Records required for legal, regulatory, compliance or record-keeping purposes.
Certain insurance, medical-scheme or financial-services processes may require special personal information, including health-related information. OPFS does not state that detailed health information is collected through this public website. Where special personal information is required for a legitimate service or regulated process, it will be processed only where permitted by applicable law and with appropriate safeguards.
How information is collected
Personal information may be collected directly from you or, where lawfully permitted and relevant, from other authorised sources. Collection channels may include:
- Website enquiry or contact forms.
- Telephone calls and email correspondence.
- WhatsApp or other business communication channels where enabled and used.
- Meetings, consultations, applications and other financial-services processes.
- Insurers, medical schemes, administrators, product providers or other relevant parties where lawfully permitted.
- Website cookies, analytics and similar technologies where enabled.
- Publicly available or authorised sources where collection is legally permitted.
Why personal information is processed
OPFS may process personal information for legitimate and relevant purposes connected with its business, legal duties and services. These purposes may include:
- Responding to enquiries and providing requested financial-services information.
- Arranging meetings, consultations or follow-up discussions.
- Assessing client needs and providing advice or intermediary services where authorised.
- Facilitating quotations, applications, servicing requests or communications with relevant providers.
- Communicating with insurers, medical schemes, administrators, product providers or other parties where required for the relevant service.
- Servicing existing clients and maintaining appropriate records.
- Meeting regulatory, legal, compliance and record-keeping obligations.
- Preventing fraud, misuse or unlawful activity and maintaining website security.
- Administering and improving website functionality and performance.
- Sending direct marketing only where lawfully permitted.
- Responding to complaints, disputes, legal requests or regulatory enquiries.
Lawful processing
Personal information is processed where there is an appropriate legal basis under applicable South African law. Depending on the circumstances, this may include consent where required, performance of a contract or steps requested before entering into a contract, compliance with legal or regulatory obligations, protection of legitimate interests, or the legitimate interests of OPFS or a third party where permitted.
Consent is therefore not treated as the only basis for processing. For example, a person who submits an enquiry may reasonably expect OPFS to use the contact details supplied to respond to that enquiry.
Financial, insurance and medical information
Because OPFS operates in regulated financial services, certain information may need to be processed in connection with insurance quotations or applications, underwriting-related processes, financial planning, investments, risk planning, medical scheme or medical aid brokerage, and claims or policy servicing where applicable.
Some of this information, particularly health-related information, may constitute special personal information. Such information will be processed only where permitted by applicable law and where reasonably necessary for a legitimate financial-services, insurance or medical-scheme purpose.
This Privacy & Cookie Notice is not an underwriting consent, medical consent or product-specific authorisation. Any additional disclosures or consents required for a particular regulated process should be dealt with separately at the appropriate stage.
Sharing of personal information
Where lawful, necessary and relevant to the purpose for which information is processed, personal information may be shared with categories of recipients such as:
- Insurers, product providers, medical schemes, underwriting managers and administrators.
- Other authorised financial-service providers or professional advisers where relevant.
- Compliance service providers, regulators and statutory bodies.
- Technology, hosting, communications, IT or support providers.
- Authorities or other parties where disclosure is required or permitted by law.
Service providers should receive only information reasonably necessary for the relevant purpose and should be subject to appropriate confidentiality and data-protection obligations where applicable.
Cross-border processing
Some technology, hosting, communications or service providers may operate or process information outside South Africa. Where personal information is transferred outside South Africa, OPFS must consider the applicable POPIA requirements and appropriate safeguards relevant to that transfer.
Information security and retention
Information security
Reasonable technical and organisational safeguards should be maintained to protect personal information against loss, damage, unauthorised destruction, unlawful access, misuse or unauthorised processing. No website, system or transmission method can reasonably be described as absolutely secure, and this notice does not make such a promise.
Retention of personal information
Personal information is retained only for as long as reasonably necessary for the purpose for which it was collected, subject to applicable legal, regulatory, contractual and financial-services record-keeping requirements. Where information must lawfully be retained, a deletion request may not always be capable of immediate fulfilment.
Direct marketing
Electronic direct marketing is handled in accordance with applicable South African requirements, including POPIA where relevant.
If you contact OPFS and ask for information or assistance, your contact details may be used to respond to that enquiry. This is not automatically the same as consent to receive future promotional marketing.
Where consent is required for electronic direct marketing, it should be obtained appropriately and separately. Marketing consent should not be pre-ticked or bundled into an ordinary enquiry acknowledgement.
Recipients of marketing communications should be given a reasonable way to opt out or unsubscribe. An objection to direct marketing should be respected in accordance with applicable law.
Cookies and similar technologies
What are cookies?
Cookies are small data files that a website may store on or read from your device. Depending on the website features and third-party services that are actually enabled, cookies or similar technologies may support technical operation, remember preferences, measure website use or support other online functionality.
How cookies may be used
The website may use cookies or similar technologies where required for core website functionality and security, to remember user preferences, or in connection with optional technologies that may be enabled. The exact technologies present can vary according to the website functionality and third-party services in use.
Optional analytics and advertising technologies
This notice does not state that any specific analytics, advertising, remarketing or profiling platform is currently active. If optional measurement or advertising technology is enabled, the related privacy disclosures and any applicable consent requirements should be addressed in accordance with applicable law.
Browser controls
You can manage, block or delete cookies using your browser settings. Disabling some cookies may affect website functionality or prevent certain features from operating as intended.
Your privacy rights
Subject to applicable law and lawful limitations, individuals may have rights in relation to their personal information, including:
Request confirmation of whether personal information is held and, where applicable, request access to that information.
Request correction or updating of inaccurate, incomplete, outdated or misleading personal information where appropriate.
Request deletion or destruction where legally appropriate, subject to lawful retention and regulatory record-keeping obligations.
Object to certain processing, object to direct marketing, or withdraw consent where the processing in question is based on consent.
How to exercise your rights
To ask a privacy question or exercise an applicable privacy right, email [email protected] or contact OPFS on WhatsApp at 077 462 6610.
PAIA information and the current status of the PAIA Manual are set out on the Legal & Compliance page.
Information Regulator
If you believe your privacy rights have been infringed, you may have the right to lodge a complaint with the Information Regulator (South Africa). Current contact details and complaint channels are available from the regulator's official website.
Visit the official Information Regulator website ↗Other privacy provisions
Children's information
This website and the OPFS financial-services offering are generally intended for adults. Personal information relating to children will be processed only where lawful, appropriate and necessary for the relevant service or purpose.
Third-party websites
The website may contain links to insurers, financial institutions, medical schemes or other third-party websites. Those organisations control their own websites and privacy practices. Visitors should review the privacy information supplied by the relevant third party when leaving the OPFS website.
Changes to this notice
This Privacy & Cookie Notice may be updated periodically to reflect legal, regulatory, operational or technological changes. Visitors are encouraged to review this page from time to time.