BHCA Privacy Policy

Effective Date: [Insert Date]

Bryan Hirsch Colley & Associates (Pty) Ltd (“BHCA”, “we”, “us”) is a juristic representative of Anchor Capital (Pty) Ltd (FSP 39834). We are committed to safeguarding the privacy of our clients and website visitors. This Privacy Policy outlines how we collect, process, store, and protect your personal information in compliance with South Africa’s Protection of Personal Information Act (POPIA).

1. Who We Are

BHCA offers financial advisory services including estate planning, retirement planning, wills, unit trusts, share portfolios, and more bhca.co.za.

2. Personal Data We Collect & Why

We collect personal data only when necessary to fulfill our services:

  • Identification & Contact Information: Name, email, phone number, address—collected via forms, emails, phone, or meetings.
  • Financial and Employment Info: As relevant to financial services.
  • Sensitive Personal Info: Only where essential— e.g., medical or health details for retirement or estate planning.
  • Usage and Device Data: Browser type, IP address, usage logs—automatically collected for website functionality and analytics.

Principles:

  • We collect only what is necessary for agreed purposes.
  • We obtain your consent before collecting personal data, including via forms, direct communications, or cookies anchorcapital.co.za.

3. Legal Basis & Consent

  • Consent: Entrusted voluntarily (e.g., forms, meetings, email).
  • Contractual Necessity: Information needed to fulfill financial service contracts.
  • Legal Compliance: To meet regulatory or legal obligations.

You may withdraw consent anytime; BHCA will promptly stop processing your personal data in line with POPIA regulations anchorcapital.co.za.

4. How We Use Your Data

Your personal data is used to:

  • Deliver services—estate, retirement planning, insurance, investment advice
  • Communicate with you and send updates
  • Maintain operations and ensure service quality
  • Ensure security and detect fraud
  • Comply with legal and regulatory requirements

We do not sell or trade your personal data.

5. Data Sharing & Third‑Party Disclosures

BHCA may share personal information with:

  • Anchor Capital and its subsidiaries
  • Authorized service providers (e.g., financial platforms, IT services)
  • Regulatory bodies (e.g., FSB) or legal authorities when required
  • Prospective buyers in case of mergers, subject to safeguards

All third-party recipients are contractually bound to protect your data to the same or higher standards as BHCA anchorcapital.co.za.

6. Data Security & Retention

  • We employ industry-standard security: access controls, encryption, and regular updates.
  • Data is retained only as long as necessary (generally 1 year post-purpose fulfillment, or as required by law) anchorcapital.co.za.
  • Obsolete or unnecessary personal data is securely destroyed or deleted.

7. Your Rights Under POPIA

You have the right to:

  1. Access your personal information
  2. Correct inaccurate or incomplete data
  3. Request deletion or restriction of processing
  4. Withdraw consent
  5. Lodge a complaint with the Information Regulator
  6. Receive copies of your data in a structured format

To exercise these rights, please contact us at info@bhca.co.za or via postal address below.

8. Handling Data Breaches

In case of a breach:

  • BHCA will notify affected individuals and the Information Regulator as soon as reasonably possible
  • Communications will describe potential consequences, steps taken, and advice on mitigation anchorcapital.co.za

9. Use of Cookies

We use cookies and similar tracking tools to:

  • Enhance website performance and functionality
  • Gather anonymous analytics to understand and improve user experience

You can manage cookie preferences via your browser settings.

10. Children’s Privacy

Our services and website are intended for individuals over 18. We do not knowingly collect data from children under the age of 13.

11. Updates to this Policy

We may update this Policy to reflect changes in regulations or our practices. Significant changes will be communicated via our website and the updated effective date.

12. Contact Information

Bryan Hirsch Colley & Associates (Pty) Ltd
First Floor, The Oval West
Wanderers Office Park, Corlett Drive, Illovo
Johannesburg, South Africa
Tel: +27 11 268 6908
Email: info@bhca.co.za

Cape Town Office: Office 201, Cape Quarter,
27 Somerset Road, Green Point
Tel: +27 21 401 8989

Anchor Capital POPIA Policy Reference

This Privacy Policy is based on and aligned with Anchor Capital Group’s Protection of Personal Information framework anchorcapital.co.za.

Note: This is a template for general guidance. Please consult with a legal professional to ensure full compliance with POPIA and other applicable laws tailored to your operations.