Legal

Privacy Policy

Xenturion is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience.

This Privacy Policy applies to the Xenturion website and governs data collection and usage. By using the Xenturion website, you consent to the data practices described in this statement.

Collection of your Personal Information

Xenturion collects personally identifiable information, such as your email address, name, home or work address or telephone number. Xenturion also collects anonymous demographic information, which is not unique to you, such as your postal code, age, gender, preferences, interests and favourites.

There is also information about your computer hardware and software that is automatically collected by Xenturion. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Xenturion for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Xenturion website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Xenturion public message boards, this information may be collected and used by others. Note: Xenturion does not read any of your private online communications.

Xenturion encourages you to review the privacy statements of websites you choose to link to from Xenturion so that you can understand how those websites collect, use and share your information. Xenturion is not responsible for the privacy statements or other content on websites outside of the Xenturion and Xenturion family of websites.

Use of your Personal Information

Xenturion collects and uses your personal information to operate the Xenturion website and deliver the services you have requested. Xenturion also uses your personally identifiable information to inform you of other products or services available from Xenturion and its affiliates. Xenturion may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Xenturion does not sell, rent or lease its customer lists to third parties. Xenturion may, from time to time, contact you on behalf of external business partners about an offering that may be of interest to you. In those cases, your unique personally identifiable information (email, name, address, telephone number) is not transferred to the third party. In addition, Xenturion may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Xenturion, and they are required to maintain the confidentiality of your information.

Xenturion does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Xenturion keeps track of the websites and pages our customers visit within Xenturion, in order to determine what Xenturion services are the most popular. This data is used to deliver customised content and advertising within Xenturion to customers whose behaviour indicates that they are interested in a particular subject area.

Xenturion websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Xenturion or the site; (b) protect and defend the rights or property of Xenturion; and, (c) act under exigent circumstances to protect the personal safety of users of Xenturion, or the public.

Use of Cookies

The Xenturion website use “cookies” to help you personalise your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalise Xenturion pages, or register with Xenturion site or services, a cookie helps Xenturion to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Xenturion website, the information you previously provided can be retrieved, so you can easily use the Xenturion features that you customised.

You can accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Xenturion services or websites you visit.

Security of your Personal Information

Xenturion secures your personal information from unauthorised access, use or disclosure. Xenturion secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorised access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected using encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Xenturion will occasionally update this Statement of Privacy to reflect company and customer feedback. Xenturion encourages you to periodically review this Statement to be informed of how Xenturion is protecting your information.

Contact Information

Xenturion welcomes your comments regarding this Statement of Privacy. If you believe that Xenturion has not adhered to this Statement, please contact Xenturion at info@xenturion.co.za . This email address is being protected from spambots. You need JavaScript enabled to view it. We will use commercially reasonable efforts to promptly determine and remedy the problem.

Protection of Personal Information Bill

To promote the protection of personal information processed by public and private bodies; to introduce information protection principles so as to establish minimum requirements for the processing of personal information; to provide for the establishment of an Information Protection Regulator; to provide for the issuing of codes of conduct; to provide for the rights of persons regarding unsolicited electronic communications and automated decision making; to regulate the flow of personal information across the borders of the Republic; and to provide for matters connected therewith.

Consumer Protection Act

To promote a fair, accessible and sustainable marketplace for consumer products and services and for that purpose to establish national norms and standards relating to consumer protection, to provide for improved standards of consumer information, to prohibit certain unfair marketing and business practices, to promote responsible consumer behaviour, to promote a consistent legislative and enforcement framework relating to consumer transactions and agreements, to establish the National Consumer Commission, to repeal sections 2 to 13 and sections 16 to 17 of the Merchandise Marks Act, 1941 (Act No. 17 of 1941), the Business Names Act, 1960 (Act No. 27 of 1960), the Price Control Act, 1964 (Act No. 25 of 1964), the Sales and Service Matters Act, 1964 (Act No. 25 of 1964), the Trade Practices Act, 1976 (Act No. 76 of 1976), the Consumer Affairs (Unfair Business Practices) Act, 1988 (Act No. 71 of 1988), and to make consequential amendments to various other Acts; and to provide for related incidental matters

Companies Act

To provide for the incorporation, registration, organization and management of companies, the capitalization of profit companies, and the registration of offices of foreign companies carrying on business within the Republic; to define the relationships between companies and their respective shareholders or members and directors; to provide for equitable and efficient amalgamations, mergers and takeovers of companies; to provide for efficient rescue of financially distressed companies; to provide appropriate legal redress for investors and third parties with respect to companies; to establish a Companies and Intellectual Property Commission and a Takeover Regulation Panel to administer the requirements of the Act with respect to companies, to establish a Companies Tribunal to facilitate alternative dispute resolution and to review decisions of the Commission; to establish a Financial Reporting Standards Council to advise on requirements for financial record-keeping and reporting by companies; to repeal the Companies Act, 1973 (Act No. 61 of 1973) and make amendments to the Close Corporations Act, 1984 (Act No. 69 of 1984), as necessary to provide for a consistent and harmonious regime of business incorporation and regulation; and to provide for matters connected therewith.

Introduction to the Financial Advisory and Intermediary Services Act

The Financial Advisory and Intermediary Services Act (37 of 2002) affects the way in which a Financial Services Provider (FSP) conducts business and interacts with Consumers, and guides Consumers in their daily dealings with their chosen product provider.

The Financial Advisory and Intermediary Services Act (37 of 2002) regulates the activities of all fiancail services providers (FSP) who give advice or provide intermediary services to Consumers of certain financial products. The Financial Advisory and Intermediary Services (FAIS) Act requires that FSPs be licensed and crates a professional code of conduct with specific enforcement measures. All FSP’s must ensure that they comply with the legislation, and with certain specific fit and proper requirements as stipulated in the act.

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