Privacy Policy
How Monverat collects, uses, stores and protects personal information, in accordance with the Protection of Personal Information Act, 2013 (POPIA).
Last updated: 1 February 2026
Who we are
This policy is issued by Monverat Financial Consulting (Pty) Ltd, a private company duly registered in South Africa, in respect of the personal information we process through our website, consultations and client relationships.
| Registered company name | Monverat Financial Consulting (Pty) Ltd |
| Company type | Private company (Pty) Ltd |
| Registration number | 2018/347629/07 (CIPC Cape Town) |
| VAT number | 4310285697 |
| Registered address | 12 Long Street, Gardens, Cape Town, 8001, South Africa |
| Contact | +27 21 456 7890 · info@monverat.pro |
Our appointed Information Officer, responsible for POPIA compliance, may be reached at the contact details above using the subject line "Attention: Information Officer".
Information we collect
We collect only what is necessary to deliver our advisory services and to operate this website responsibly.
Identity & contact data
Full name, email address, phone number and company details submitted through our contact form or during consultations.
Financial & advisory data
Information you share with us in the course of engaging our wealth advisory services, limited strictly to what is relevant to the mandate.
Technical data
IP address, browser type, device information and pages visited, collected automatically via cookies and similar technologies.
How we use your information
Responding to enquiries
To respond to messages submitted via our contact form and to schedule consultations.
Delivering advisory services
To provide, administer and improve the wealth advisory services set out in a client mandate or engagement letter.
Legal and regulatory compliance
To meet obligations under South African tax, financial services and anti-money-laundering legislation, including record-keeping requirements.
Website analytics and improvement
To understand how visitors use our site (where analytics cookies are accepted) so we can improve content and performance.
Legal basis for processing
Under POPIA, we process personal information only where at least one of the following applies:
We process where
- You have given consent (e.g. submitting the contact form or accepting cookies).
- Processing is necessary to perform a contract or mandate with you.
- Processing is required to comply with a legal obligation.
- Processing is necessary for our legitimate interests, provided these do not override your rights.
We do not
- Sell or rent your personal information to third parties.
- Use your data for purposes incompatible with those disclosed here.
- Process special personal information without a valid legal basis.
Cookies
Our website uses cookies in the following categories, consistent with the choices offered in our cookie banner. See our Cookie Policy for full details.
Essential cookies
Required for the site to function properly and cannot be switched off.
Analytics cookies
Help us understand how visitors interact with our site so we can improve it.
Marketing cookies
Used to deliver relevant offers and measure the effectiveness of our communications.
Sharing and hosting of information
We share personal information only where necessary, and always under appropriate safeguards.
- Website hosting and infrastructure providers who process data on our behalf under written agreements.
- Professional advisors (auditors, legal counsel) bound by confidentiality obligations, where necessary to deliver our services.
- Regulatory or governmental authorities where required by law, including the South African Revenue Service and CIPC.
- We do not transfer personal information outside South Africa unless the recipient is subject to laws or contractual terms providing an adequate level of protection, as required by POPIA.
Data retention
We retain personal information only for as long as necessary to fulfil the purposes described in this policy, including any legal, accounting or reporting requirements. Client advisory records are typically retained for five years after the end of a mandate, in line with financial services record-keeping obligations, after which they are securely deleted or anonymised.
Your rights under POPIA
As a data subject, you have the right to:
Access
Request confirmation of, and access to, the personal information we hold about you.
Correction
Request correction or updating of inaccurate, outdated or incomplete personal information.
Objection
Object to the processing of your personal information, or withdraw consent previously given, at any time.
Deletion
Request deletion or destruction of personal information no longer needed for the purposes it was collected for.
Complaint
Lodge a complaint with the Information Regulator of South Africa if you believe your rights have been infringed.
Requests
Submit any of the above requests to our Information Officer at info@monverat.pro.
Security measures
We implement appropriate technical and organisational measures — including access controls, encryption in transit and restricted staff access — to protect personal information against loss, unauthorised access, alteration or disclosure, in accordance with POPIA's security safeguard requirements.
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The "last updated" date at the top of this page indicates the most recent revision. We encourage you to review this policy periodically.
Contact our Information Officer
For any question regarding this Privacy Policy or the processing of your personal information, please reach out directly.
Contact us