Privacy Policy

1. Introduction

LeadPortal ("we", "us", "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, including our website (leadportal.co.za) and our WhatsApp-based insurance quote comparison service.

This policy is drafted in compliance with the Protection of Personal Information Act 4 of 2013 (POPIA) and its regulations. We encourage you to read this policy carefully. If you do not agree with the terms of this privacy policy, please discontinue use of our services and submit an opt-out request.

2. Who We Are

LeadPortal is a South African brand that operates an insurance quote comparison service. We connect consumers with licensed insurance providers to help them find competitive insurance quotes. LeadPortal is not an insurer or a Financial Services Provider (FSP). We act as a lead generation and comparison platform.

3. What Information We Collect

We may collect the following categories of personal information:

3.1 Information You Provide

• Contact details: Phone number (WhatsApp), name, email address
• Insurance-related information: Vehicle details, property information, coverage preferences, current insurer, and premium amounts
• Opt-out requests: Phone number, name, email, and reason for opting out

3.2 Information Collected Automatically

• Device information: IP address, browser type, operating system
• Usage data: Pages visited, time spent on site, referring URL
• WhatsApp interaction data: Message delivery and read status

3.3 Information We Do NOT Collect

• ID numbers or passport numbers
• Banking or payment card details
• Biometric data
• Health information (unless specifically required for life insurance quotes and with your explicit consent)

4. How We Collect Your Information

We collect personal information through the following channels:

• WhatsApp conversations: When you interact with our WhatsApp service
• Our website: When you submit forms (e.g., opt-out requests)
• Third-party data sources: We may obtain contact information from publicly available sources or licensed data providers for the purpose of direct marketing, in compliance with POPIA Section 69

5. Why We Process Your Information (Lawful Basis)

Under POPIA, we process your personal information based on one or more of the following lawful grounds:

• Legitimate interest (Section 11(1)(f)): To provide you with relevant insurance comparison offers that may benefit you financially
• Consent (Section 11(1)(a)): When you actively engage with our service by replying to our messages or submitting information on our website
• Legal obligation (Section 11(1)(c)): To comply with applicable laws and regulations
• Direct marketing (Section 69): We may contact you for direct marketing purposes. You have the right to opt out at any time, and we will honour your request immediately

6. How We Use Your Information

We use your personal information for the following purposes:

• To provide insurance quote comparisons from our partner insurers
• To communicate with you about insurance products that may interest you
• To process your opt-out / do-not-contact requests
• To improve our services and user experience
• To comply with legal and regulatory obligations
• To prevent fraud and ensure the security of our services

7. Who We Share Your Information With

We may share your personal information with the following categories of recipients:

• Licensed insurance providers: To obtain quotes on your behalf (only when you actively request a quote)
• Service providers: Companies that help us operate our services (e.g., hosting, messaging platforms) under strict data processing agreements
• Legal authorities: When required by law, court order, or regulatory request

We do NOT sell your personal information to third parties. We do not share your data with any party for purposes unrelated to providing our insurance comparison service.

8. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy:

• Active leads: Up to 12 months from last interaction
• Opt-out records: Retained indefinitely to ensure we do not contact you again
• Website usage data: Up to 24 months

After the retention period, your data is securely deleted or anonymised.

9. Your Rights Under POPIA

As a data subject under POPIA, you have the following rights:

• Right to access: Request a copy of the personal information we hold about you
• Right to correction: Request that we correct or update inaccurate information
• Right to deletion: Request that we delete your personal information (subject to legal retention requirements)
• Right to object: Object to the processing of your personal information for direct marketing
• Right to withdraw consent: Withdraw any previously given consent at any time
• Right to lodge a complaint: Lodge a complaint with the Information Regulator if you believe your rights have been violated

To exercise any of these rights, please contact us at privacy@leadportal.co.za or use our online opt-out form.

10. How to Opt Out / Do Not Contact

You can opt out of all communications from LeadPortal at any time through any of the following methods:

• Online form: Visit leadportal.co.za/#opt-out and submit the Do Not Contact form
• WhatsApp reply: Reply "STOP" to any WhatsApp message from LeadPortal
• Email: Send an email to privacy@leadportal.co.za with your phone number and the subject line "Opt Out"

We will process your opt-out request within 24 hours and you will receive a confirmation reference number. Your number will be permanently added to our Do Not Contact list.

11. Security Measures

We implement appropriate technical and organisational measures to protect your personal information, including:

• Secure, encrypted connections (HTTPS/SSL) for all website traffic
• Access controls limiting who can view personal data within our organisation
• Regular security reviews and updates
• Secure storage of opt-out records with restricted access

While we take reasonable steps to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

12. Cookies and Tracking

Our website may use minimal cookies for essential functionality (e.g., session management). We do not use tracking cookies for advertising purposes. No third-party advertising trackers are present on our website.

13. Children's Privacy

Our services are not directed at children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

15. Complaints

If you are not satisfied with how we have handled your personal information or a request you have made, you have the right to lodge a complaint with the Information Regulator (South Africa):

16. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: