Privacy Policy
4AM Wealth (Pty) Ltd
Authorised Financial Services Provider (FSP 47249)
Effective Date: 1 September 2025
Applies to: 4AM Wealth public website, client portal, digital onboarding systems, and advisory services.
1. COMPANY INFORMATION (RESPONSIBLE PARTY)
4AM Wealth (Pty) Ltd
Authorised Financial Services Provider (FSP 47249)
Republic of South Africa
For purposes of the Protection of Personal Information Act, 2013 (POPIA), 4AM Wealth acts as the Responsible Party.
INFORMATION OFFICER (POPIA)
In terms of POPIA, 4AM Wealth has appointed:
Information Officer:
Ryno Taljaard
Email: Ryno@4amwealth.co.za
Telephone: 012 004 8302
Deputy Information Officer:
Shawn Taljaard
Email: Shawn@4amwealth.co.za
Telephone: 012 004 8302
The Information Officer is responsible for ensuring compliance with POPIA and is registered with the Information Regulator of South Africa.
2. WHAT THIS POLICY COVERS
This Privacy Policy explains:
• What personal information we collect
• Why we collect it
• How we use and protect it
• When we share it
• Your rights under applicable privacy laws
This policy is primarily governed by:
• Protection of Personal Information Act (POPIA) – South Africa
• Financial Intelligence Centre Act (FICA)
• Financial Advisory and Intermediary Services Act (FAIS)
• Promotion of Access to Information Act (PAIA)
Where we provide services to individuals located in jurisdictions with additional data protection requirements, we will comply with those applicable laws.
3. POPIA & PAIA COMPLIANCE
Processing of personal information is conducted in accordance with Section 11 of POPIA and is based on one or more of the following lawful grounds:
• Consent of the data subject
• Performance of a contract
• Compliance with legal obligations
• Protection of legitimate interests of the data subject
• Legitimate interests of 4AM Wealth
In accordance with Section 51 of PAIA, 4AM Wealth maintains a PAIA Manual outlining procedures for requesting access to information.
The PAIA Manual is available on request or via our website.
4. INFORMATION WE COLLECT
4.1 Information You Provide
Identity & Contact Information
• Full name
• ID number / Passport number
• Date of birth
• Physical & postal address
• Email address
• Telephone number
Financial Information
• Income details
• Asset & liability information
• Banking details (limited to what is necessary)
• Investment objectives
• Risk profile data
FICA / KYC Information
• Certified ID documents
• Proof of address
• Bank statements (where required)
• Source of funds documentation
• Selfie/liveness verification (where applicable)
Account Credentials
• Username
• Encrypted / hashed passwords
Communication Preferences
• Marketing opt-ins
• Advisory communication preferences
4.2 Information Collected Automatically
• IP address
• Device type
• Browser type
• Operating system
• Login timestamps
• Website interaction data
• Cookies and session data
• Google Analytics usage statistics (aggregate only)
4.3 Payment Information
Payments may be processed via secure third-party payment processors.
4AM Wealth does not store full card numbers.
We receive:
• Payment confirmation
• Payment status
• Limited transaction metadata
4.4 Special Personal Information
In the course of providing financial services, we may process Special Personal Information as defined under POPIA, including but not limited to:
• Biometric information (e.g., liveness/selfie verification)
• Identity numbers
• Financial history
• Risk profiling data
• Information required for anti-money laundering compliance
Such processing is conducted strictly in accordance with Sections 26–33 of POPIA and only where permitted by law or required for regulatory compliance.
5. PURPOSES OF PROCESSING
5.1 Provision of Financial Services
• Rendering financial advice
• Performing intermediary services
• Portfolio structuring
• Account administration
• Risk profiling
5.2 Regulatory & Compliance Obligations
We are legally required to:
• Conduct FICA verification
• Maintain client records
• Report suspicious transactions
• Comply with FSCA requirements
5.3 Fraud Prevention & Security
• Identity verification
• System security
• Risk monitoring
• Cybersecurity protection
5.4 Marketing Communications
Marketing communications are sent only with your consent.
You may opt out at any time.
Transactional or regulatory communications (e.g., account updates, compliance notices) may be sent where legally required or necessary for service delivery.
5.5 Automated Decision-Making
We may use automated tools or systems to assist with:
• Risk profiling
• Compliance screening
• Fraud detection
• Onboarding assessments
These tools support internal processes; however, final decisions relating to financial advice or client onboarding remain subject to human oversight and review.
6. COOKIES & TRACKING TECHNOLOGIES
We use:
Strictly Necessary Cookies
• Authentication
• Session security
• Platform functionality
Analytics Cookies
• Google Analytics (aggregate insights only)
We do not sell personal data.
We do not share personal information for cross-context behavioural advertising.
You may manage cookies through your browser settings.
7. SHARING OF INFORMATION
We share personal information only when necessary with:
• Product providers
• Portfolio administrators
• Compliance consultants
• Auditors
• IT & hosting providers
• Payment processors
• Regulatory authorities (where required by law)
All third-party operators or service providers who process personal information on our behalf are contractually required to implement appropriate security safeguards and comply with POPIA and applicable data protection legislation.
We do not sell personal information.
8. INTERNATIONAL TRANSFERS
Some service providers may process data outside South Africa.
Where this occurs, we ensure appropriate safeguards are in place in accordance with POPIA and applicable data protection laws.
9. DATA RETENTION
We retain personal information:
• For the duration of the client relationship
• For at least 5 years after termination (as required under FAIS/FICA)
• Longer if required by law or regulatory investigation
When no longer required, information is securely destroyed or anonymised.
10. YOUR RIGHTS
Under POPIA, you have the right to:
• Access your personal information
• Correct inaccurate information
• Request deletion (subject to legal retention requirements)
• Object to processing
• Withdraw consent (where applicable)
• Lodge a complaint with the Information Regulator
To exercise your rights, contact:
Ryno@4amwealth.co.za
012 004 8302
We may verify your identity before processing requests.
11. SECURITY SAFEGUARDS
We implement appropriate technical and organisational measures, including:
• Encrypted data transmission (SSL)
• Access controls
• Password hashing
• Secure hosting environments
• Internal compliance monitoring
In the event of a security compromise or data breach involving personal information, affected data subjects and the Information Regulator will be notified as soon as reasonably possible in accordance with Section 22 of POPIA.
12. CHILDREN’S PRIVACY
Our services are not directed at individuals under 18 years of age.
We do not knowingly collect personal information from minors.
13. COMPLAINTS & CONTACT DETAILS
4AM Wealth (Pty) Ltd
Authorised Financial Services Provider (FSP 47249)
Email: Ryno@4amwealth.co.za
Telephone: 012 004 8302
Registered Address: [Insert Registered Address]
If you are dissatisfied with how your information is handled, you may lodge a complaint with:
The Information Regulator (South Africa)
Website: https://www.justice.gov.za/inforeg/
If your complaint relates specifically to financial advice or intermediary services rendered by 4AM Wealth, you may contact:
FAIS Ombud
Website: https://www.faisombud.co.za
Email: info@faisombud.co.za
14. CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time.
Material changes will be communicated via:
• Website notice
• Email notification (where appropriate)
Continued use of our services constitutes acceptance of the updated policy.
