Privacy Policy

Cover Now is a lead generation platform operated by Pipeline IQ (Pty) Ltd ("we", "us", "our"). We connect South African consumers with authorised Financial Services Providers (FSPs) and registered credit providers.

This Privacy Policy explains how we collect, use, store, and share your personal information when you use our website at cover-now.co.za or submit a quote request. Please read it carefully. By using our platform you acknowledge that you have read and understood this policy.

The responsible party for your personal information under the Protection of Personal Information Act 4 of 2013 (POPIA) is:

Pipeline IQ (Pty) Ltd Trading as: Cover Now Address: 3 Fountain Lane, Canal Edge 4, Tyger Waterfront, Cape Town Website: cover-now.co.za Email: [email protected]

We are committed to processing your personal information responsibly, lawfully, and in accordance with POPIA.

We collect the following categories of personal information:

Information you provide directly: • Full name and surname • South African ID number or date of birth • Contact details (email address, mobile number) • Physical address and province • Cover-specific details (vehicle make/model, cover type, sum insured, etc.) • Marketing preferences and consent

Information collected automatically: • IP address and approximate location • Browser type and device information • Pages visited and time spent on site • Referral source (how you found us)

We do not collect sensitive personal information (such as race, health data, or biometric data) unless you voluntarily provide it in a free-text field.

We process your personal information for the following purposes:

• Lead generation: To match your profile with a suitable authorised FSP or credit provider and share your details with them (with your explicit consent) so they can provide you with a quote. • Communication: To contact you regarding your quote request, confirm receipt, and provide status updates. • Marketing (with consent): To send you relevant insurance and financial services information if you have opted in. You may withdraw consent at any time. • Legal compliance: To comply with POPIA, the Financial Advisory and Intermediary Services Act (FAIS), the National Credit Act (NCA), and other applicable South African legislation. • Platform improvement: To analyse usage patterns and improve our website and services.

We will not process your personal information for any purpose incompatible with those listed above without your prior consent.

We share your personal information only in the following circumstances:

With FSPs and credit providers (with your consent): When you submit a quote request and provide explicit consent, we share your details with the matched authorised FSP or registered credit provider so they can contact you with a quote. You control which providers receive your information.

With service providers: We use third-party service providers (such as hosting, analytics, and email delivery providers) who process data on our behalf under strict data processing agreements.

With Pipeline IQ (Pty) Ltd: As the operating company behind Cover Now, Pipeline IQ may access data for operational, compliance, and reporting purposes.

Legal requirements: We may disclose your information if required by law, court order, or regulatory authority.

We do not sell your personal information to third parties.

Under POPIA, you have the following rights regarding your personal information:

• Right to access: Request a copy of the personal information we hold about you. • Right to correction: Request that we correct inaccurate or incomplete information. • Right to deletion: Request that we delete your personal information, subject to legal retention requirements. • Right to object: Object to the processing of your personal information for direct marketing purposes. • Right to withdraw consent: Withdraw any consent you have given at any time. Withdrawal does not affect the lawfulness of processing prior to withdrawal. • Right to complain: Lodge a complaint with the Information Regulator of South Africa if you believe your rights have been violated.

To exercise any of these rights, contact us at [email protected].

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law.

• Quote request data is retained for a maximum of 36 months from the date of submission, after which it is securely deleted or anonymised. • Marketing consent records are retained for the duration of the consent and for a reasonable period thereafter for compliance purposes. • Server logs and analytics data are retained for up to 12 months.

Where we are required by law to retain information for longer periods (e.g. for tax or regulatory purposes), we will do so.

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, destruction, or alteration. These measures include:

• SSL/TLS encryption for all data transmitted via our website • Access controls limiting who within our organisation can access personal data • Regular security assessments of our systems and third-party providers

While we take reasonable precautions, no internet transmission is completely secure. You submit information at your own risk.

Our website uses cookies and similar tracking technologies to improve your experience and analyse site usage. For full details on the cookies we use and how to manage them, please refer to our Cookie Policy at cover-now.co.za/cookies.

By continuing to use our website you consent to our use of cookies as described in our Cookie Policy.

Our website may contain links to third-party websites, including FSP partner websites and our partner Fair Score (fairscore.co.za). We are not responsible for the privacy practices of those websites. We encourage you to read their privacy policies before providing any personal information.

Our platform is not directed at persons under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] and we will delete it promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised effective date. We encourage you to review this policy periodically. Continued use of our platform after changes are posted constitutes your acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal information, please contact our Information Officer:

Email: [email protected] Address: 3 Fountain Lane, Canal Edge 4, Tyger Waterfront, Cape Town Website: cover-now.co.za

You may also contact the Information Regulator of South Africa: Website: www.inforegulator.org.za Email: [email protected]