ABOUT THIS PRIVACY NOTICE
This Privacy Notice (“The Notice”) governs the Offa services (in this Notice we refer to ourselves as ‘we’, ‘us’ or ‘our’) and has been put in place to give you assurance and peace of mind regarding how we go about using and protecting your information. It must be read in conjunction with our Terms and Conditions that you can find on our website.
We will explain how our organization uses the personal and special personal information (“Information”) we collect from you when you make use of the Offa platform and/or the service(s). It also gives you our details in case you want to contact us and query any issues that you may have.
This Notice is effective from 22/01/2026
You should check this Notice from time to time to ensure that you are happy with it, as we may change this Notice by updating it. If you have any questions about this Notice or do not agree with it, please contact us at info@offa.co.zabefore accessing or using our services.
ABOUT OUR SERVICE
“Offa” powered by Technovate Adaptive Concepts (Pty) Ltd (“we, us, our”) is a lead generation marketplace specializing in connecting consumers with insurance and financial service providers. Offa makes it easy and convenient to find and compare the best insurance products, financial services, and related offerings through our platform.
By using Offa, you agree to our Terms and Conditions and this Privacy Notice.
As an Offa user, we may:
- Connect you with our network of licensed service providers
- Send you marketing material about relevant products and services
- Provide you with comparative quotes and information
- Keep you updated about new offerings in insurance, financial services, and related industries
Our services cover:
- Insurance: Motor vehicle, home & contents, life, business, travel, health insurance
- Financial Services: Personal loans, business loans, debt review, credit cards, investment products, banking
- Related Services: Vehicle tracking, warranty protection, legal services, risk management
These offerings constitute our “Services” and will be brought to you via various communication channels such as our website, SMS, automated voice messages, WhatsApp, email, and telephone calls.
‘Service Provider’ means any licensed third-party insurance or financial services provider that we connect you with to offer you products or services that
LEGAL AGE AND CAPACITY
You may not use our service if you:
- Lack the legal capacity to enter into a binding contract with us
- Are not permitted to access or use this service under South African law
- Are under 18 years of age
- Require parental/guardian consent to agree to this Notice and have failed to obtain that consent
By using our service, you represent and warrant that you are of full legal age and capacity to enter into our Terms and Conditions and this Privacy Notice.
PERSONAL INFORMATION WE MAY COLLECT
We may collect the following information from you:
Contact Information:
- Name, surname, and preferred name
- Email address and telephone numbers
- Residential and postal addresses
- Identity number or passport number
Financial Information:
- Monthly income and income sources
- Employment details and employer information
- Banking details (when required for services)
- Credit history and financial obligations
- Insurance history and claims experience
Service-Related Information:
- Products and services you express interest in
- Quote requests and application details
- Communication preferences
- Previous interactions with our platform
- Feedback and service ratings
Technical Information:
- IP address and device information
- Browser type and operating system
- Website usage patterns and preferences
- Cookies and similar tracking technologies
You provide your personal information voluntarily. However, failure to provide required information may prevent you from accessing certain services.
HOW WE USE YOUR INFORMATION
We may collect the following information from you:
Contact Information:
- Name, surname, and preferred name
- Email address and telephone numbers
- Residential and postal addresses
- Identity number or passport number
Financial Information:
- Monthly income and income sources
- Employment details and employer information
- Banking details (when required for services)
- Credit history and financial obligations
- Insurance history and claims experience
Service-Related Information:
- Products and services you express interest in
- Quote requests and application details
- Communication preferences
- Previous interactions with our platform
- Feedback and service ratings
Technical Information:
- IP address and device information
- Browser type and operating system
- Website usage patterns and preferences
- Cookies and similar tracking technologies
DIRECT MARKETING
As an Offa user, our services include keeping you informed about insurance products, financial services, special offers, and promotions that we believe may interest you. This marketing material will include offers from us and our network of service providers.
You agree that we may send you marketing communications via:
- SMS messages
- Email
- WhatsApp
- Automated voice messages (AVM)
- Telephone calls
- Push notifications through our app
- Direct mail
Opt-Out Rights: You may opt out of our direct marketing at any time by:
- Clicking “unsubscribe” in any email
- Replying “STOP” to SMS messages
- Contacting us at info@offa.co.za
- Updating your preferences in your account
- Registering with the Direct Marketing Association at www.dmasa.org
Please note that opting out of marketing does not affect service-related communications necessary for the products or services you’ve requested.
AUTOMATIC INFORMATION COLLECTION
When you use our service, we automatically collect:
- IP addresses and device identifiers
- Browser and operating system information
- Pages visited and time spent on our platform
- Click patterns and user interactions
- Location data (with your permission)
- Referral sources and marketing campaign data
We use this information primarily in aggregate form to understand user behavior, improve our services, and measure the effectiveness of our marketing efforts.
CONSENT FOR EXTERNAL DATA SOURCES
You consent to us collecting additional information about you from:
- Credit bureaus and credit agencies
- Employer verification services
- Government databases and registries
- Insurance industry databases
- Our service provider partners
- Social media platforms (where you’ve connected your account)
This external data helps us:
- Verify the accuracy of information provided
- Assess your eligibility for various products
- Provide more relevant recommendations
- Prevent fraud and identity theft
- Comply with regulatory requirements
INFORMATION SECURITY
We are committed to protecting your personal information through:
Technical Safeguards:
- Encryption of data in transit and at rest
- Secure servers and firewalls
- Regular security audits and updates
- Access controls and authentication systems
- Secure payment processing systems
Organizational Measures:
- Staff training on data protection
- Limited access on a need-to-know basis
- Regular policy reviews and updates
- Incident response procedures
- Vendor security assessments
Physical Security:
- Secure office facilities
- Controlled access to systems and files
- Secure disposal of physical documents
- Backup and disaster recovery procedures
While we implement strong security measures, no system is completely secure. We cannot guarantee absolute security but commit to notifying you of any significant data breaches as required by law.
COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and user behavior
- Provide personalized content and recommendations
- Measure advertising effectiveness
- Ensure website security and functionality
Types of Cookies We Use:
- Essential Cookies: Required for basic website functionality
- Performance Cookies: Help us understand how visitors use our site
- Functional Cookies: Remember your choices and preferences
- Marketing Cookies: Used to display relevant advertisements
You can manage cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality and your user experience.
SHARING YOUR INFORMATION
We may share your personal information with:
Service Providers:
- Licensed insurance companies and financial institutions
- Credit bureaus and assessment agencies
- Payment processors and banking partners
- Technology service providers
- Customer support and call center services
Legal Requirements:
- Regulatory authorities and government agencies
- Law enforcement when required by law
- Courts and legal proceedings
- Fraud prevention agencies
- Industry regulatory bodies
Business Operations:
- Professional advisors (lawyers, auditors, consultants)
- Potential buyers in case of business sale or merger
- Parent companies and subsidiaries
- Joint venture partners
Consent-Based Sharing:
- Third parties where you’ve provided explicit consent
- Social media platforms (when you choose to connect)
- Marketing partners (for specific campaigns you’ve opted into)
We require all third parties to:
- Protect your information according to our standards
- Use information only for specified purposes
- Comply with applicable privacy laws
- Notify us of any security incidents
ACCESSING YOUR PERSONAL INFORMATION
You have the right to:
- Access: Request copies of your personal information we hold
- Correction: Ask us to correct inaccurate or incomplete information
- Deletion: Request deletion of your information (subject to legal requirements)
- Portability: Request your information in a portable format
- Objection: Object to certain processing of your information
- Restriction: Request limitation of processing in certain circumstances
To exercise these rights, contact us at info@offa.co.za with:
- Your full name and contact details
- Specific information you want to access/correct/delete
- Proof of identity
- Clear description of your request
We will respond within 30 days of receiving a valid request.
DATA RETENTION
We retain your personal information for as long as:
- You maintain an active account with us
- Required to provide ongoing services
- Necessary to comply with legal obligations
- Required for legitimate business purposes
- Needed to resolve disputes or enforce agreements
Retention Periods:
- Active account data: Duration of relationship plus 7 years
- Marketing data: Until you opt out plus 2 years
- Application data: 10 years (regulatory requirement)
- Website analytics: 2 years
- Communication records: 5 years
We regularly review and delete information that is no longer needed.
CHILDREN'S PRIVACY
Our services are not intended for children under 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it immediately.
UPDATES TO THIS POLICY
We may update this Privacy Policy to reflect changes in:
- Our business practices
- Legal requirements
- Technology developments
- Industry standards
We will notify you of significant changes by:
- Email notification to registered users
- Website announcements
- Updated policy effective dates
- In-app notifications
REGULATORY COMPLIANCE
This policy complies with:
- Protection of Personal Information Act (POPIA)
- Financial Intelligence Centre Act (FICA)
- Electronic Communications and Transactions Act (ECT)
- Financial Advisory and Intermediary Services Act (FAIS)
- Insurance Act regulations
- Banking Act requirements
CONTACT INFORMATION
