Our Commitment to Transparency & Compliance
Important Legal Documents
As part of our dedication to ethical business practices and client protection, we’ve made our key regulatory and legal documents easily accessible. Please review the documents below for full disclosure of our terms, data privacy policies, and consent protocols.
As part of our dedication to ethical business practices and client protection, we’ve made our key regulatory and legal documents easily accessible. Please review the documents below for full disclosure of our terms, data privacy policies, and consent protocols.
Disclosure
Regulatory Disclosures & Accreditation
FSP Name: Altara Financial Services (Pty) Ltd (2023/259686/07)
FSP Licence: 39231
FSP Name: Altara Risk Solutions (Pty) Ltd (2024/667323/07)
FSP Licence: 54932
Physical Address: 3 Ingrid Jonker Street, Langenhovenpark, Bloemfontein, 9301
Authorised Representatives
The provider accepts responsibility for its own actions and for the actions of any of the following representatives that may be performed by them while acting within the course and scope of their employment with Altara.
Section 13 Certificate available on request.
A. Liesl Ebersohn
Authorised Representative for Advice and Intermediary Services and Key Individual
ID: 690927 0001 080
Contact: liesl@altara.co.za | 082 821 9104
Authorised FSB Product Categories: Short-Term Insurance: Category 1.2 – Personal Lines; Short-Term Insurance: Category 1.6 – Commercial Lines
Affiliation: FIA
Highest Qualification: Grade 12, COP, iCiBS, iiSA Programme in Short-Term Insurance (NQF 5)
Experience: Since January 2000 – Short-Term Insurance (Commercial & Personal Lines)
B. Marizaan Cronje
Authorised Representative for Advice and Intermediary Services and Key Individual
ID: 900202 0095 086
Contact: marizaan@altara.co.za | 079 841 0686
Authorised FSB Product Categories: Short-Term Insurance: Category 1.2 – Personal Lines; Short-Term Insurance: Category 1.6 – Commercial Lines
Affiliation: FIA
Highest Qualification: Grade 12, Programme in Short-Term Insurance (NQF 5)
Experience: Since January 2022 – Short-Term Insurance (Commercial & Personal Lines)
Compliance & Claims
Compliance Officer: Compliance Trust – Niel Wessels
Email: niel@compliancetrust.co.za
Address: 1082 Gousblom Street, Weltevredenpark
FSB Compliance Number: 4715
Claims Procedures: Inform Altara directly.
National Financial Ombud Scheme of South Africa (NFOSA)
Physical Address:
110 Oxford Road, Houghton Estate, Johannesburg, 2198
Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, Western Province, 7700
Telephone: 0860 800 900
WhatsApp: 0664 730 157
Email: info@nfosa.co.za
Website: www.nfosa.co.za
Complaint Resolution System and Procedures
We have a written internal complaint resolution system with detailed procedures. Access to the written procedures and a copy of the complaint resolution system is available at this office during office hours. Complaints must be submitted in writing and include all relevant information and supporting documentation.
Conflict of Interest Management
No known actual or potential conflicts of interest. (Any conflicts will be disclosed if applicable.)
Professional Indemnity Insurance: Yes
Shareholding in Product Suppliers: None
Commission and Fees: Fully disclosed to clients.
Product Suppliers
Altara Financial Services (Pty) Ltd FSP 39231 have been duly accredited and have formal agreements to sell FINANCIAL PRODUCTS on behalf of the following insurers:
Santam, Santam Heavy Haulage, Santam Aviation, Santam Real Estate, Santam Marine, Old Mutual Insure, Frontline Underwriting Managers, PPS, CIA, HIC, Merx, Senate, Santam Construction and Engineering, Santam Casualty; Accident and Health; Motor Fleets, Camargue, Natsure Aviation, Natsure HCV, Natsure Commercial and Personal, C&G Underwriters, AC&E, Garagesure, Safire, Auto & General, Bryte (UMA), Santam Travel Insurance, King Price, Leppard, Cross Country
Altara Risk Solutions (Pty) Ltd FSP 54932 have been duly accredited and have formal agreements to sell FINANCIAL PRODUCTS on behalf of the following insurers: Safire, PPS and Frontline Underwriting Managers
Terms of mandate enables Altara to provide clients with financial services in respect of a choice of product suppliers. Altara will exercise judgement objectively in the interest of the client concerned and will not make inaccurate, unfair, or unsubstantiated criticisms of any financial product, product supplier, provider or representative.
Altara do not receive more than 30% of the total commission paid by any Insurer.
Altara provides clients with access to a wide range of product suppliers, exercising objective judgment in clients’ best interests. Altara does not receive more than 30% of total commission from any single insurer.
Advisory Responsibility
Altara accepts full responsibility for all advice provided to clients.
L. Ebersohn and M. Cronje are both registered as Key Individuals and Representatives for FSP 39231 and FSP 54932.
Client Information & Disclosure
Clients are responsible for ensuring that all application, proposal, or contractual information submitted to a product supplier is accurate and complete. Misrepresentation or non-disclosure of material facts may result in cancellation or non-payment of benefits. Representatives may not ask clients to waive rights or sign incomplete forms. Any such waiver is null and void.
Privacy Notice
Altara respects your privacy. Its Privacy Notice outlines why personal information is required, how it is used, and with whom it may be shared. The policy is available on request.
Data Subjects have the right to:
- Access and request personal information held about them
- Request correction, destruction, or deletion of personal information
- Object to the processing of their information on reasonable grounds
- Object at any time to processing for direct marketing purposes
The process to exercise these rights is available from the Information Officer – Liesl Ebersohn.
POPI Consent
Protection of Personal Information (POPI) Consent & Processing
The Protection of Personal Information Act (POPI Act No. 4 of 2013) requires Altara Financial Services to inform you of how your personal information is collected, used, disclosed, and destroyed. We are committed to protecting your privacy and ensuring that your personal data is handled appropriately, transparently, securely, and in accordance with the law.
During our interaction and appointment, we will obtain certain personal information from you. By voluntarily providing this information, you confirm, agree, and consent to the processing of your personal information by Altara Financial Services, its authorised representatives, employees, contracted product suppliers, and/or their authorised administrators.
This information will only be used for its intended purpose: the provision of financial services to you. Once all transactions regarding the purchase of financial products are complete, your information will be securely stored for recordkeeping and product maintenance. As required by law, your information will be retained for a minimum of five years after termination of the relationship.
Your personal data will not be shared with any third party without your consent unless required by law. We confirm that adequate systems and procedures are in place to protect your personal information in compliance with legal standards. This consent will remain in effect unless formally withdrawn in writing.
Client Consent to Personal Information Processing
By signing this consent, you confirm that:
- Your personal information may be collected, processed, recorded, and safeguarded during the provision of financial services by Altara Financial Services (FSP 39231), including cross-border data transfers for security purposes.
- The FSP may supplement your personal information using data received from product providers and third parties to provide a more comprehensive service.
- Your personal information may be verified, shared, and disclosed with product providers and relevant third parties used by the FSP for adequate service delivery.
- Your data may be used by the FSP for internal marketing to ensure services remain relevant and aligned with your needs.
Customer Due Diligence (CDD) Requirements
The FSP is legally required to collect and process specific information for Customer Due Diligence (CDD) purposes to ensure compliance with anti-money laundering and anti-terrorist financing laws. The following information may be collected:
- Your identity and that of anyone you represent, including your status as a “prominent person” as defined by law.
- Your place of residence and/or your business’s registration address.
- Your status according to sections 26A (financial sanctions) and 28A (prohibited persons) of the Act.
- The nature and control structure of your business.
- The nature of products/services used and how they relate to your needs.
The FSP may also consult publicly available sources, including:
- Press, media, and social media references
- Law enforcement databases such as Interpol
- Credit bureaus and similar verification agencies
- Bank account verification systems
Client Rights & Authorisations
By consenting, you acknowledge and authorise the following:
- You have the right to access your personal information held by the FSP.
- You may request the FSP to update, correct, or delete your personal data on reasonable grounds.
- If you object to the processing of your data, the FSP must stop processing it within reasonable limits, unless required to conclude a transaction or provide an ongoing service.
- To withdraw your consent, you must submit your request in writing to the FSP’s Information Officer.
- Even after withdrawal, the FSP is legally obligated to retain your information for five years after the end of the relationship.
- The FSP may disclose your data if legally required or permitted under applicable legislation.
- You authorise the insurer to verify information provided and conduct a credit check if necessary.
By providing your personal information, you acknowledge that you have read and understood this POPI Consent and that you authorise Altara Financial Services to process your data as outlined above.
Email Disclaimer
This message is solely intended for the addressee and may contain information that is confidential or privileged. If you are not the addressee, you may not read, copy, disclose or otherwise use this information. Unauthorised use is strictly prohibited and may be unlawful. Whilst every reasonable effort has been taken in the preparation of the information transmitted electronically, neither the author nor Altara Financial Services (PTY) Ltd and Altara Risk Solutions (PTY) Ltd (“Altara”) accepts any liability for losses or damages arising from the receipt and use of, or reliance placed on the information contained herein. Any views or opinions expressed in this message are those of the author and may not necessarily represent the views or opinions of Altara. If you have received this message in error, please inform Altara and delete this message and all copies from your system.
Regulatory Disclosures & Accreditation
FSP Name: Altara Financial Services (Pty) Ltd (2023/259686/07)
FSP Licence: 39231
FSP Name: Altara Risk Solutions (Pty) Ltd (2024/667323/07)
FSP Licence: 54932
Physical Address: 3 Ingrid Jonker Street, Langenhovenpark, Bloemfontein, 9301
Authorised Representatives
The provider accepts responsibility for its own actions and for the actions of any of the following representatives that may be performed by them while acting within the course and scope of their employment with Altara.
Section 13 Certificate available on request.
A. Liesl Ebersohn
Authorised Representative for Advice and Intermediary Services and Key Individual
ID: 690927 0001 080
Contact: liesl@altara.co.za | 082 821 9104
Authorised FSB Product Categories: Short-Term Insurance: Category 1.2 – Personal Lines; Short-Term Insurance: Category 1.6 – Commercial Lines
Affiliation: FIA
Highest Qualification: Grade 12, COP, iCiBS, iiSA Programme in Short-Term Insurance (NQF 5)
Experience: Since January 2000 – Short-Term Insurance (Commercial & Personal Lines)
B. Marizaan Cronje
Authorised Representative for Advice and Intermediary Services and Key Individual
ID: 900202 0095 086
Contact: marizaan@altara.co.za | 079 841 0686
Authorised FSB Product Categories: Short-Term Insurance: Category 1.2 – Personal Lines; Short-Term Insurance: Category 1.6 – Commercial Lines
Affiliation: FIA
Highest Qualification: Grade 12, Programme in Short-Term Insurance (NQF 5)
Experience: Since January 2022 – Short-Term Insurance (Commercial & Personal Lines)
Compliance & Claims
Compliance Officer: Compliance Trust – Niel Wessels
Email: niel@compliancetrust.co.za
Address: 1082 Gousblom Street, Weltevredenpark
FSB Compliance Number: 4715
Claims Procedures: Inform Altara directly.
National Financial Ombud Scheme of South Africa (NFOSA)
Physical Address:
110 Oxford Road, Houghton Estate, Johannesburg, 2198
Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, Western Province, 7700
Telephone: 0860 800 900
WhatsApp: 0664 730 157
Email: info@nfosa.co.za
Website: www.nfosa.co.za
Complaint Resolution System and Procedures
We have a written internal complaint resolution system with detailed procedures. Access to the written procedures and a copy of the complaint resolution system is available at this office during office hours. Complaints must be submitted in writing and include all relevant information and supporting documentation.
Conflict of Interest Management
No known actual or potential conflicts of interest. (Any conflicts will be disclosed if applicable.)
Professional Indemnity Insurance: Yes
Shareholding in Product Suppliers: None
Commission and Fees: Fully disclosed to clients.
Product Suppliers
Altara Financial Services (Pty) Ltd FSP 39231 have been duly accredited and have formal agreements to sell FINANCIAL PRODUCTS on behalf of the following insurers:
Santam, Santam Heavy Haulage, Santam Aviation, Santam Real Estate, Santam Marine, Old Mutual Insure, Frontline Underwriting Managers, PPS, CIA, HIC, Merx, Senate, Santam Construction and Engineering, Santam Casualty; Accident and Health; Motor Fleets, Camargue, Natsure Aviation, Natsure HCV, Natsure Commercial and Personal, C&G Underwriters, AC&E, Garagesure, Safire, Auto & General, Bryte (UMA), Santam Travel Insurance, King Price, Leppard, Cross Country
Altara Risk Solutions (Pty) Ltd FSP 54932 have been duly accredited and have formal agreements to sell FINANCIAL PRODUCTS on behalf of the following insurers: Safire, PPS and Frontline Underwriting Managers
Terms of mandate enables Altara to provide clients with financial services in respect of a choice of product suppliers. Altara will exercise judgement objectively in the interest of the client concerned and will not make inaccurate, unfair, or unsubstantiated criticisms of any financial product, product supplier, provider or representative.
Altara do not receive more than 30% of the total commission paid by any Insurer.
Altara provides clients with access to a wide range of product suppliers, exercising objective judgment in clients’ best interests. Altara does not receive more than 30% of total commission from any single insurer.
Advisory Responsibility
Altara accepts full responsibility for all advice provided to clients.
L. Ebersohn and M. Cronje are both registered as Key Individuals and Representatives for FSP 39231 and FSP 54932.
Client Information & Disclosure
Clients are responsible for ensuring that all application, proposal, or contractual information submitted to a product supplier is accurate and complete. Misrepresentation or non-disclosure of material facts may result in cancellation or non-payment of benefits. Representatives may not ask clients to waive rights or sign incomplete forms. Any such waiver is null and void.
Privacy Notice
Altara respects your privacy. Its Privacy Notice outlines why personal information is required, how it is used, and with whom it may be shared. The policy is available on request.
Data Subjects have the right to:
- Access and request personal information held about them
- Request correction, destruction, or deletion of personal information
- Object to the processing of their information on reasonable grounds
- Object at any time to processing for direct marketing purposes
The process to exercise these rights is available from the Information Officer – Liesl Ebersohn.
Protection of Personal Information (POPI) Consent & Processing
The Protection of Personal Information Act (POPI Act No. 4 of 2013) requires Altara Financial Services to inform you of how your personal information is collected, used, disclosed, and destroyed. We are committed to protecting your privacy and ensuring that your personal data is handled appropriately, transparently, securely, and in accordance with the law.
During our interaction and appointment, we will obtain certain personal information from you. By voluntarily providing this information, you confirm, agree, and consent to the processing of your personal information by Altara Financial Services, its authorised representatives, employees, contracted product suppliers, and/or their authorised administrators.
This information will only be used for its intended purpose: the provision of financial services to you. Once all transactions regarding the purchase of financial products are complete, your information will be securely stored for recordkeeping and product maintenance. As required by law, your information will be retained for a minimum of five years after termination of the relationship.
Your personal data will not be shared with any third party without your consent unless required by law. We confirm that adequate systems and procedures are in place to protect your personal information in compliance with legal standards. This consent will remain in effect unless formally withdrawn in writing.
Client Consent to Personal Information Processing
By signing this consent, you confirm that:
- Your personal information may be collected, processed, recorded, and safeguarded during the provision of financial services by Altara Financial Services (FSP 39231), including cross-border data transfers for security purposes.
- The FSP may supplement your personal information using data received from product providers and third parties to provide a more comprehensive service.
- Your personal information may be verified, shared, and disclosed with product providers and relevant third parties used by the FSP for adequate service delivery.
- Your data may be used by the FSP for internal marketing to ensure services remain relevant and aligned with your needs.
Customer Due Diligence (CDD) Requirements
The FSP is legally required to collect and process specific information for Customer Due Diligence (CDD) purposes to ensure compliance with anti-money laundering and anti-terrorist financing laws. The following information may be collected:
- Your identity and that of anyone you represent, including your status as a “prominent person” as defined by law.
- Your place of residence and/or your business’s registration address.
- Your status according to sections 26A (financial sanctions) and 28A (prohibited persons) of the Act.
- The nature and control structure of your business.
- The nature of products/services used and how they relate to your needs.
The FSP may also consult publicly available sources, including:
- Press, media, and social media references
- Law enforcement databases such as Interpol
- Credit bureaus and similar verification agencies
- Bank account verification systems
Client Rights & Authorisations
By consenting, you acknowledge and authorise the following:
- You have the right to access your personal information held by the FSP.
- You may request the FSP to update, correct, or delete your personal data on reasonable grounds.
- If you object to the processing of your data, the FSP must stop processing it within reasonable limits, unless required to conclude a transaction or provide an ongoing service.
- To withdraw your consent, you must submit your request in writing to the FSP’s Information Officer.
- Even after withdrawal, the FSP is legally obligated to retain your information for five years after the end of the relationship.
- The FSP may disclose your data if legally required or permitted under applicable legislation.
- You authorise the insurer to verify information provided and conduct a credit check if necessary.
By providing your personal information, you acknowledge that you have read and understood this POPI Consent and that you authorise Altara Financial Services to process your data as outlined above.
This message is solely intended for the addressee and may contain information that is confidential or privileged. If you are not the addressee, you may not read, copy, disclose or otherwise use this information. Unauthorised use is strictly prohibited and may be unlawful. Whilst every reasonable effort has been taken in the preparation of the information transmitted electronically, neither the author nor Altara Financial Services (PTY) Ltd and Altara Risk Solutions (PTY) Ltd (“Altara”) accepts any liability for losses or damages arising from the receipt and use of, or reliance placed on the information contained herein. Any views or opinions expressed in this message are those of the author and may not necessarily represent the views or opinions of Altara. If you have received this message in error, please inform Altara and delete this message and all copies from your system.
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