Introduction
Khwalo Funeral Services (“we”, “us”, or “our”) is committed to protecting the privacy and personal information of our
clients, website visitors, and members. This Privacy Policy explains how we collect, use, store, and protect your
personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and other
applicable South African legislation.
By using our website, contacting us, or becoming a member of any Khwalo Funeral Services plan, you consent to the
collection and use of your personal information as described in this policy.
Information We Collect
When You Contact Us
- Full name
- Email address
- Phone number
- Message content and subject of enquiry
When You Join a Funeral Plan
- Full name and surname
- South African ID number
- Date of birth
- Physical address
- Contact numbers
- Email address
- Dependant information (names, ID numbers, dates of birth)
- Nominated beneficiary details
- Banking or payment information
When You Visit Our Website
- IP address
- Browser type and version
- Pages visited and time spent
- Referring website
- Device information
How We Use Your Information
- Service delivery: To administer your funeral plan, process claims, and provide funeral services
- Communication: To respond to enquiries and send plan-related notifications
- Legal compliance: To comply with POPIA, FAIS, and other South African laws
- Improvement: To improve our website and services
- Claims processing: To verify identity and process funeral benefit claims
Legal Basis for Processing
Under POPIA, we process your personal information based on:
- Consent: You have given us permission
- Contract: Processing is necessary to fulfil your funeral plan agreement
- Legal obligation: We are required by law to collect and retain certain information
- Legitimate interest: Necessary for our business interests, provided your rights are not
overridden
Information Sharing
We do not sell, rent, or trade your personal information. We may share information with:
- Service providers: Third parties assisting in funeral service delivery (minimum information
necessary) - Legal authorities: When required by law or court order
- Underwriters: If your plan involves underwritten benefits, for claims processing
All third parties are required to protect your information in accordance with POPIA.
Data Security
We take reasonable measures to protect your personal information including:
- Secure storage of physical documents in locked facilities
- Password-protected digital systems
- Limited access on a need-to-know basis
- SSL encryption on our website
- Regular review of security practices
Data Retention
We retain your personal information for as long as your membership is active, as required by law (typically 5 years
after the business relationship ends), or as necessary to resolve disputes. Information no longer needed is securely
destroyed or de-identified.
Your Rights Under POPIA
- Right to access: Request confirmation of what information we hold about you
- Right to correction: Request correction of inaccurate information
- Right to deletion: Request deletion where no longer necessary (subject to legal retention)
- Right to object: Object to processing for direct marketing
- Right to withdraw consent: Withdraw consent at any time
- Right to lodge a complaint: Complain to the Information Regulator
Cookies
Our website may use cookies to improve your browsing experience. You can control cookie settings through your
browser. Disabling cookies may affect some functionality.
Children’s Information
We do not knowingly collect personal information from children under 18 without parental consent. Dependant
information for children covered under family plans is provided by the adult plan holder.
Changes to This Policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. The updated policy will
be posted on this page.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights:
- Email: info@khwalo.co.za
- Phone: 043 726 8134
- Head Office: Jacaranda Street, Aroma Complex, Lusikisiki, Eastern Cape
Information Regulator (South Africa): inforegulator.org.za
Last updated: May 2026