Privacy Policy

Last Updated: October 2025

1. Scope and Purpose

This Privacy Policy explains how Virtusell (Pty) Ltd t/a SwitchSaver (“SwitchSaver”, “we”, “us”, “our”) collects, uses, discloses, and safeguards personal information when you use our website, forms, and services (collectively, the “Services”). It applies to information processed in the Republic of South Africa and elsewhere, in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and applicable laws.

2. Information We Collect

We collect information you provide directly and information collected automatically when you use the Services, including:

• Identification and contact details (name, surname, title, date of birth, email address, phone numbers, address).

• Demographic and preference information (country of residence, nearest city, product interests).

• Website and device data (IP address, device identifiers, browser type, operating system, pages viewed, referring URLs, date/time of visits, clickstream data).

• Marketing interaction data (consents, unsubscribe preferences, campaign engagement, communications).

• Any information you voluntarily submit in forms, requests, or support interactions.

3. Cookies, Pixels, and Personalized Advertising

We use cookies, pixels, tags, SDKs and similar tracking technologies to operate the Website, remember your settings, measure performance, and personalise content and advertisements. This includes the use of Microsoft Advertising technologies to deliver interest-based ads and measure campaign effectiveness.

Consent: By using the Website, you consent to our use of cookies and tracking technologies as described in this Policy and our Terms.

Managing Choices: You can manage cookies in your browser settings. You can also opt out of personalised advertising via:

• Microsoft Advertising Opt-Out: https://about.ads.microsoft.com/en-us/resources/policies/personalized-ads

• Network Advertising Initiative: https://optout.networkadvertising.org/

• Digital Advertising Alliance: https://youradchoices.com/control

Note: You will still see ads if you opt out, but they may be less relevant.

4. How We Use Information

We process personal information to:

• Provide, maintain, and improve the Services and user experience.

• Match you with relevant offers and comparative quotes across our partner network.

• Personalise content and advertising, including via Microsoft Ads and similar platforms.

• Communicate with you (SMS, WhatsApp, email, AVM, phone) about products, services, promotions and updates.

• Conduct analytics, reporting, fraud prevention, and security monitoring.

• Maintain records of consent, preferences, and opt-outs.

We do not sell personal information.

5. Lawful Processing under POPIA

We process personal information on the following grounds permitted by POPIA:

• Your consent (e.g., receiving direct marketing via electronic channels; cookies and personalised advertising).

• Contractual necessity (to provide requested comparisons/quotes).

• Legitimate interests (e.g., service improvement, security, fraud prevention), balanced against your rights.

• Legal obligations (e.g., record-keeping and regulatory compliance).

6. Direct Marketing and Your Choices

We may send you marketing communications through SMS, WhatsApp, email, AVM, telephone and online ads. You can opt out at any time by:

• Clicking “Unsubscribe” in emails;

• Replying “STOP” to SMS;

• Emailing info@switchsaver.co.za;

• Registering on the National Do Not Contact List: https://dmasa.org/page/register-opt-out-service

We will honour your choices promptly and maintain records of opt-outs.

7. Sharing and Disclosure

We share information with trusted third parties who assist us in operating the Services and delivering campaigns (e.g., marketing platforms such as Microsoft Ads, analytics providers, and call centres). These parties are bound by contractual obligations to protect the information and process it only on our instructions and in compliance with POPIA.

We may also share information:

• With affiliated companies for internal administration and support;

• With prospective or actual buyers in the event of a merger, acquisition, or sale (subject to confidentiality safeguards);

• Where required by law, regulation, or legal process; or to protect our rights, users, or the public.

We do not sell personal information.

8. Cross-Border Transfers

We may transfer and store personal information in countries outside South Africa (including the United Kingdom, the European Union, and the United States). Where we do so, we rely on POPIA-compliant mechanisms such as data transfer agreements incorporating appropriate safeguards to ensure a level of protection that is substantially similar to that afforded under POPIA.

9. Data Retention

We retain personal information only for as long as necessary for the purposes described in this Policy or as required by law. Typical periods include:

• Marketing and consent records: up to 24 months from last interaction or until you withdraw consent (whichever is earlier).

• Web logs and analytics data: up to 12–24 months, aggregated or anonymised thereafter where feasible.

• Contract/transaction records: for the duration of your relationship with us and for as long as required by applicable law.

After these periods, we securely delete or irreversibly anonymise the data.

10. Your Rights

Under POPIA, you have the right to:

• Access, correct, update, or delete your personal information;

• Object to processing (including direct marketing) and withdraw consent;

• Request restriction of processing or data portability (where applicable);

• Lodge a complaint with the Information Regulator (https://www.justice.gov.za/inforeg) if you believe your privacy rights have been infringed.

To exercise your rights, contact: info@switchsaver.co.za. We may require verification of your identity before actioning requests.

11. Security Measures

We implement reasonable, appropriate technical and organisational measures to protect personal information against loss, unauthorised access, disclosure, alteration, or destruction. These include encryption in transit (SSL/TLS), access controls, logging, and staff confidentiality.

While we strive to protect your information, no system is completely secure. You acknowledge that transmission over the internet carries inherent risks.

12. Servers and Storage Location

We utilise secure servers hosted in jurisdictions that provide robust infrastructure and security standards (currently including the United Kingdom). By using the Services, you consent to the storage and processing of your information in such jurisdictions, subject to the safeguards described above.

13. Children

Our Services are intended for individuals 18 years and older. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us so we can take appropriate steps.

14. Changes to this Policy

We may update this Privacy Policy from time to time. The “Last Updated” date indicates the latest revision. Your continued use of the Services after changes become effective signifies acceptance of the updated Policy.

15. Contact Us

Virtusell (Pty) Ltd t/a SwitchSaver

The Colosseum, Century Way, Century City, Cape Town, 7441

Email: info@switchsaver.co.za

Website: https://switchsaver.co.za

16. Information Regulator (South Africa)

You may lodge complaints or queries with the Information Regulator:

Website: https://www.justice.gov.za/inforeg

Address: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001

Email: complaints.IR@justice.gov.za / inforeg@justice.gov.za