Terms & Conditions and Privacy Policy

Introduction
Welcome to Quotes Unlimited. At Quotes Unlimited, we understand that your privacy is critical. The Protection of Personal Information Act (POPIA) in South Africa establishes guidelines to ensure that personal information is processed lawfully, transparently, and in a manner that respects your privacy rights. This Privacy Policy details how we collect, use, share, and protect your personal information, in alignment with the POPIA and other relevant data protection laws.

By accessing our website ("the Site") and/or using our services, you consent to the practices described in this Privacy Policy. If you do not agree with these practices, please do not use our Site.

Definitions:
Personal Information: Any information that identifies or relates to an identifiable individual, including your name, identification number, contact details, demographic information, and any other data that can be linked to you.
Processing: Any operation or activity that involves personal information, including collection, storage, alteration, retrieval, use, dissemination, and destruction.
Data Subject: An individual whose personal information is processed.
Responsible Party: Quotes Unlimited, as the entity that processes personal information on behalf of the Data Subject.

Information We Collect
1. Personal Information
We may collect personal information when you engage with our services, including but not limited to:
Registration: Creating an account on our Site.
Forms Submission: Filling out quotation requests, contact forms, or feedback surveys.
Communications: Engaging with us via email, phone, or customer service interactions.
Subscriptions: Signing up for newsletters, promotional materials, and marketing communications.

Types of Personal Information Collected
Identity Information: Full name, date of birth, gender, and South African ID number.
Contact Information: Email address, phone number, postal address, and social media handles.
Account Information: Username, password, and other credentials associated with your account.
Financial Information: Bank account details, credit card information, and transaction history (only collected as necessary for payment processing).
Demographic Information: Age, gender, location, and preferences based on your engagement with our services.
Usage Information: Information related to your interactions with our Site, including IP address, browsing history, and device information.

2. Non-Personal Information
We also collect non-personal data that does not directly identify you, which may include:

Technical Data: Information about the device and software you use.
Usage Data: Details about how you use our Site, including length of visit, pages visited, and referral URLs.
Cookies and Tracking Technologies: We utilize these technologies to enhance your experience.

3. Data from Third Parties
We may receive information about you from external sources, which may include:

Social Media Platforms: Information from your interactions with us on sites like Facebook, Twitter, and Instagram.
Analytics Services: Data collected by third-party analytics providers, such as Google Analytics, to evaluate Site usage.

Cookies and Tracking Technologies
Cookies are small text files placed on your device to enhance your experience. Our Site employs session cookies and persistent cookies for functionality, analytics, and advertising purposes. You can manage cookies through your browser settings.
Types of Cookies We Use

Essential Cookies: Necessary for the functioning of our Site and to provide our services.
Performance Cookies: Used to analyze Site performance and understand user behavior.
Functionality Cookies: Remember user preferences and settings.
Advertising Cookies: Used to deliver relevant ads and track the effectiveness of our marketing campaigns.

Managing Cookies
You can control the acceptance or rejection of cookies through your web browser settings. Typically, browsers allow you to refuse cookies or alert you when a cookie is being sent. However, if you choose to refuse cookies, some features of our Site may not work correctly or as intended.
How We Use Your Information

To Provide Our Services: Facilitate your requests, provide quotes, and manage your user account.
To Communicate with You: Send confirmations, notifications, and support communications, and respond to inquiries.
To Market Our Services: Inform you about our products, services, promotions, and news, with your consent where required by POPIA.
To Improve Our Services: Analyze user data to enhance user experience, functionality, and service offerings.
Legal Compliance: Adhere to obligations set out in POPIA and other applicable laws, which may include maintaining records and handling inquiries from legal authorities.
Research and Analytics: Conduct surveys, analyze trends in user behavior, and evaluate our services to better serve our customers.

Compliance with the POPIA
As a responsible party, Quotes Unlimited is committed to complying with the POPIA, which includes adopting practices such as:

Accountability: We take responsibility for the personal information we collect and process.
Processing Limitation: We ensure that personal information is collected only for specified, lawful purposes and not processed further in a manner incompatible with those purposes.
Purpose Specification: We clearly define the purposes for which personal information is collected and used.
Further Processing Limitation: We adhere to applicable laws and ensure your information is processed in accordance with your consent.
Information Quality: We take reasonable steps to ensure that your personal information is accurate, complete, and up-to-date.
Openness: We maintain transparency about our information practices and provide you with access to this Privacy Policy.
Security Safeguards: We implement measures to protect personal information against loss, damage, and unauthorized access.
Data Subject Participation: We encourage you to exercise your rights under POPIA and provide feedback regarding your personal information.

Sharing Your Information
We do not sell, trade, or otherwise transfer your personal information to outside parties, except in the following circumstances:

Service Providers: We may share your personal information with trusted third-party vendors that assist us in operating our Site, conducting our business, or servicing you (e.g., payment processors, email service providers), as long as those parties agree to keep this information confidential.
Business Transfers: If Quotes Unlimited is involved in a merger, acquisition, or asset sale, your personal information may be transferred as part of that transaction. We will provide notice if this occurs.
Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities, including law enforcement agencies.
Protection of Rights: We may disclose your information as necessary to enforce our terms, protect our rights, privacy, safety, or property, or that of our users or others.

Data Security
Values of integrity and trust guide us in protecting the personal information entrusted to us. To ensure your data’s security, we implement a variety of technical and organizational measures, including:

Encryption: Sensitive information is transmitted securely using Secure Socket Layer (SSL) technology.
Access Controls: Access to your personal information is restricted to authorized personnel and third parties that require that information to perform their functions.
Regular Security Assessments: We conduct regular audits and assessments of our security protocols, practices, and systems to safeguard against potential vulnerabilities.
Incident Response Plan: We have a plan to respond to data breaches that includes notifying affected individuals and relevant authorities when required under POPIA.

While we strive to protect your personal information, please understand that no data transmission method over the Internet or electronic storage method is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices
You have certain rights under POPIA regarding your personal information, which include:
Right to Access: You can request details of the personal information we hold about you, subject to certain exceptions.
Right to Correction: You have the right to request correction of any inaccurate or incomplete personal information in our possession.
Right to Deletion: You may request the deletion of your personal information under certain circumstances, including when the information is no longer necessary for the original purpose of processing.
Right to Object: You may have the right to object to the processing of your data for direct marketing purposes.
Right to Data Portability: Under certain conditions, you have the right to request that we transfer your personal information to another party.
Right to Withdraw Consent: If we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below.

Data Retention
We will retain your personal information only for as long as necessary to fulfill the purposes set out in this Privacy Policy, abide by legal obligations, resolve disputes, and enforce our agreements. When your information is no longer necessary, we will securely delete or anonymize it.

Third-Party Links
Our Site may contain links to third-party websites that are not operated by us. This Privacy Policy does not apply to those websites, and we recommend reviewing the privacy policies of such third-party sites before providing any personal information. We do not take responsibility for the content, privacy practices, or policies of any third-party sites.

Children's Privacy
Quotes Unlimited does not knowingly collect personal information from children under the age of 16. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we learn that we have collected personal information from a child without parental consent, we will take reasonable steps to delete that information.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time to comply with changing laws, regulations, and internal policies. Any changes will be posted on this page. You are encouraged to review this Privacy Policy periodically for any updates. Your continued use of our Site following the posting of changes constitutes your acceptance of those changes.

Contact Us
If you have any questions, comments, or concerns about this Privacy Policy or our privacy practices, please contact us at:
Email: terms@quotesunlimited.co.za
Phone: 074 022 2900

Thank you for choosing Quotes Unlimited. We are dedicated to ensuring the protection of your personal information and upholding your privacy rights as required by the POPIA and applicable South African laws. Your trust in us matters deeply, and we strive to provide a transparent, secure, and respectful user experience.