Principles Financial Consultants
Privacy

Privacy & Cookie Policy

Last updated: 11 September 2026

Who we are

Principles Financial Consultants (“Principles”, “we”, “us”) is an authorised financial services provider (FSP 19721) based at 20 St Andrews Estate, Dryf Avenue, Ruimsig, Gauteng, South Africa. We are the responsible party for personal information collected through this website, as defined in the Protection of Personal Information Act 4 of 2013 (POPIA).

This policy covers this website. If you become a client, how we handle your information is also governed by your client agreement and our legal obligations as a financial services provider.

Our Information Officer

Our Information Officer is Herme Slabber. For any question about your personal information, or to exercise your rights below, contact:

What we collect

  • When you contact us through our contact form, by email or by phone: your name, email address, phone number (optional), the service you are interested in, your message, and your agreement to this policy.
  • When you visit the site: our hosting provider automatically processes your IP address and basic browser information to deliver the pages and protect the site against abuse. We don’t use these records to identify or track you.

We do not use analytics, advertising or tracking tools, and we don’t build profiles of visitors. Please don’t send ID numbers, bank details, health information or other sensitive information through the contact form. If you become a client, we will collect what we need through a secure process.

Why we use it

  • To respond to your enquiry and arrange a consultation.
  • To provide services you ask for, under a separate agreement with you.
  • To meet our legal and regulatory obligations, including under the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).

We will not use your details for direct marketing unless you have agreed to it, and you can opt out at any time.

Who we share it with

We never sell or rent personal information. We only share it with:

  • GitHub, Inc., which hosts this website.
  • The providers of our email and IT systems, which store the messages you send us.
  • Google LLC, only if you choose to load the map on our Contact page.
  • Regulators, ombuds, courts or other authorities, where the law requires it.

Information stored outside South Africa

Some of these providers, including GitHub and Google, are based in the United States and may process information there. By using this website and our contact form you consent to this transfer, as allowed by section 72 of POPIA. These providers apply their own contractual and technical safeguards to the information they process.

How long we keep it

We keep enquiry details only for as long as we need them to deal with your enquiry. If you become a client, we keep records for at least five years where the FAIS Act or other laws require it. After that, we delete or de-identify them.

How we protect it

This website is served only over encrypted (HTTPS) connections and uses a strict content security policy. Access to enquiries is limited to our team, and we take reasonable technical and organisational measures to prevent loss, damage or unauthorised access, as section 19 of POPIA requires. If we become aware of a security compromise affecting your information, we will notify you and the Information Regulator as POPIA requires.

Cookies and local storage

We don’t set any cookies. We store one setting in your browser’s local storage (named pfc-cookie-consent) to remember your cookie choice. It never leaves your device.

The map on our Contact page is provided by Google Maps. If you allow it, Google may set cookies and receive your IP address; see Google’s privacy policy. If you choose “Essential only”, the map is not loaded and you can use the “Open in Google Maps” link instead.

Our fonts are hosted on this website, so no other company is contacted when you load a page.

Your rights

Under POPIA you may:

  • ask whether we hold personal information about you, and request a copy of it;
  • ask us to correct, update or delete it;
  • object to us processing it, including for direct marketing;
  • withdraw your consent at any time (this does not affect processing that has already happened).

To make a request, contact our Information Officer. We may need to confirm your identity before we act on it.

If you are unhappy with how we have handled your information, you may complain to the Information Regulator (South Africa): inforegulator.org.za.

Children

This website is not directed at children under 18, and we do not knowingly collect their personal information through it.

Changes to this policy

We may update this policy from time to time. The date at the top of the page shows when it was last changed.