Privacy Policy

Effective date: 7 September 2026

Responsible party: CJFM Wealth Planning, an authorised representative of Liberty Group Ltd (FSP No. 2409), regulated by the Financial Sector Conduct Authority (FSCA).

Address: Block J1, Greenford Office Estate, Punters Way, Kenilworth, Cape Town, Western Cape, South Africa

Contact: christo.muller@liblink.co.za | +27 84 626 4665

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1. Introduction

CJFM Wealth Planning is committed to protecting your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and other applicable South African legislation. This policy explains what personal information we collect, why we collect it, how we use and protect it, and your rights as a data subject.

2. Personal information we collect

We may collect the following personal information when you use our website or engage our services:

• Full name
• Email address
• Phone number
• Physical address
• Financial information relevant to the advisory services you request (income, assets, liabilities, insurance details, investment holdings)
• Identity or passport number (where required for regulatory compliance)
• Employment and tax information

We collect this information directly from you via our contact forms, email correspondence, telephone conversations and in-person consultations.

3. Purpose of processing

We process your personal information for the following purposes:

• To respond to your enquiries and schedule consultations
• To provide financial advisory services tailored to your circumstances
• To comply with the Financial Advisory and Intermediary Services Act (FAIS) and other regulatory obligations
• To communicate updates relevant to your financial plan
• To improve our website and services

We will not use your personal information for any purpose other than those stated above without your prior consent.

4. Legal basis for processing

We process your personal information on one or more of the following grounds:

• Your consent (e.g. when you submit a contact form)
• Performance of a contract or steps taken at your request prior to entering into a contract
• Compliance with a legal obligation (e.g. FAIS, FICA, the Tax Administration Act)
• Our legitimate interest in providing and improving our services

5. Sharing of personal information

We may share your personal information with:

• Liberty Group Ltd and its affiliates, as required in the course of providing financial advisory services
• Regulatory authorities (FSCA, SARS) where required by law
• Professional service providers who assist us (e.g. compliance officers, auditors), subject to confidentiality agreements

We do not sell, rent or trade your personal information to third parties for marketing purposes.

6. Security measures

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, destruction or damage. These measures include secure email communication, restricted access to records and secure data storage.

7. Retention of personal information

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. FAIS regulations require that certain records be retained for a minimum of five years after the termination of a financial product or advisory relationship.

8. Your rights as a data subject

Under POPIA, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information, subject to legal retention requirements
• Object to the processing of your personal information
• Withdraw your consent at any time (where processing is based on consent)
• Lodge a complaint with the Information Regulator if you believe your rights have been infringed

To exercise any of these rights, please contact us at christo.muller@liblink.co.za or +27 84 626 4665.

9. Cookies and website analytics

Our website may use cookies and analytics tools to improve your browsing experience and understand how visitors use the site. You can manage cookie preferences through your browser settings.

10. Changes to this policy

We may update this privacy policy from time to time. The effective date at the top of this page indicates when the policy was last revised.

11. Information Regulator contact details

If you have concerns about how your personal information is handled, you may contact the Information Regulator of South Africa:

• Email: enquiries@inforegulator.org.za
• Website: www.justice.gov.za/inforeg

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CJFM Wealth Planning is an authorised representative of Liberty Group Ltd, an authorised financial services provider (FSP No. 2409), regulated by the FSCA.