Privacy Notice &
Terms of Use
Calculator Consent, Privacy Notice and Terms of Use for Aregre calculators and tools, operated by Kevlar Wealth.
Who we are and what this notice covers
This notice explains how KEVLAR WEALTH t/a Aregre (Kevlar Wealth, we, us) collects and uses your personal information when you use the calculators and tools on this website, and sets out the terms on which we provide those tools.
By submitting the form and confirming your agreement, you confirm that you have read and understood this notice and that you give the consents described below.
We are the responsible party for your personal information under the Protection of Personal Information Act, 2013 (POPIA).
Information we collect through the calculator form
When you use a calculator, we ask you to provide:
- Full name and surname
- South African ID number
- Email address
- Mobile or contact number
- Physical address (province, city or suburb)
- The figures and answers you enter into the calculator itself
Your SA ID number and any financial information are treated as sensitive. Where applicable, medical aid information obtained through third-party data services is special personal information under POPIA, which we only process with your explicit consent.
Why we collect it and what we do with it
We use your information to:
- Run the calculation you requested and show you the result.
- Create and manage your Aregre account and provide the Aregre Financial Hub services.
- Contact you about Aregre products and services you have asked about, and respond to your enquiries.
- Where you specifically request a service that needs it (for example a consolidated portfolio view, an advisor referral, a debt-relief enquiry or a credit or ITC check), request, receive and process data about you from third-party data providers as described in section 4.
- Comply with our legal and regulatory obligations and keep proper records.
We rely on your consent and, for the calculation and account services, on the performance of our agreement with you as the lawful basis for this processing.
Sharing your information with Astute and other data providers
To provide a consolidated and verified view of your financial position, Aregre uses The Financial Services Exchange (Pty) Ltd t/a Astute and its Astute Data Exchange (ADEX) service. Where you request a service that relies on this, and subject to your consent, we may submit your identifying details to Astute so that Astute can request and return data about you from its content providers.
| Data type | Source / Description |
|---|---|
| VoPD — Verification of Personal Details | Department of Home Affairs — identity, marital status, lineage and deceased status. |
| CCP — Consolidated Client Portfolio | Life, investment and policy information held by participating insurers and providers. |
| EB — Employee Benefits | Employer, salary, retirement and membership details. |
| AMAS — Medical AidSensitive | Current medical scheme, plan and membership details. Only processed with explicit consent. |
| RMS — Risk Indicators | Flags relating to potential fraud or risk associated with your ID number. |
Astute and its content providers will process your information for these purposes. The information returned is supplied by third parties — Aregre and Astute do not warrant its accuracy and are not liable for decisions you make based on it. We will only request the data sets relevant to the service you have asked for, in line with the consent you give.
We may also share information with our service providers (such as hosting, database and analytics providers) who process it on our behalf under appropriate safeguards. We do not sell your personal information.
Your explicit consent
By ticking the box and submitting the form, you give your explicit and voluntary consent for Aregre to:
- Collect and process the personal information you provide.
- Process your SA ID number and financial information for the purposes above.
- Where you request a service that requires it, obtain and process information about you from Astute or ADEX and its content providers, including your medical aid (AMAS) information where relevant.
- Contact you in connection with the services you have requested.
You confirm that the information you provide is your own (or that you are authorised to provide it) and that it is accurate.
Authentication of consent
Where required for data requests, we may verify that the consent and request genuinely come from you by means such as a one-time PIN (OTP) sent to your mobile number or email, and we record your consent for audit purposes.
How long we keep your information
We keep your information for as long as needed for the purposes above and to meet our legal obligations. Data obtained through Astute or ADEX for a specific request is retained only as long as permitted under our agreement with Astute and applicable law, after which it is deleted, with audit records retained as required.
Security
We take reasonable technical and organisational measures to protect your information, including encryption in transit and at rest, access controls and secure hosting. No system is completely secure, but we work to keep your information safe and will notify you and the Information Regulator of a breach where the law requires.
Your rights under POPIA
Under the Protection of Personal Information Act, 2013, you have the following rights:
Ask what information we hold about you and request a copy.
Ask us to correct or delete information that is inaccurate, irrelevant or no longer needed.
Withdraw your consent at any time (this will not affect processing done before withdrawal).
Object to processing and lodge a complaint with the Information Regulator.
To exercise any of these rights, contact us at greghallpersonal@gmail.com. To lodge a complaint with the Information Regulator (South Africa), email inforeg@inforegulator.org.za.
Terms of use for the calculators
- The calculators and tools are provided for general information and illustration only. They do not constitute financial, tax, legal or investment advice and should not be relied on as a substitute for advice from a licensed professional.
- Results are estimates based on the information you enter and on assumptions that may not reflect your circumstances.
- Aregre is not a registered financial services provider or financial advisor and does not provide regulated financial advice through these tools.
- We may change, suspend or withdraw the tools at any time, and we do not warrant that they will be error-free or uninterrupted.
- To the extent permitted by law, Aregre is not liable for any loss arising from your use of the tools or reliance on their results, or from data supplied by third parties such as Astute.
Changes to this notice
We may update this notice from time to time. The current version will always be available on this website, with the effective date shown above.
Acceptance
By ticking the checkbox and submitting the form, you confirm your agreement and consent to this notice. Specifically, you confirm:
"I have read and agree to the Privacy Notice and Terms of Use, and I consent to the processing of my personal information (including my SA ID number, financial and, where applicable, medical aid information) as described above."