Privacy Policy

4AM Wealth (Pty) Ltd is an Authorised Financial Services Provider (FSP 47249), Republic of South Africa. For purposes of POPIA, 4AM Wealth acts as the Responsible Party.

Information Officer: Ryno Taljaard · Ryno@4amwealth.co.za · 012 004 8302

Deputy Information Officer: Shawn Taljaard · Shawn@4amwealth.co.za · 012 004 8302

The Information Officer is responsible for ensuring compliance with POPIA and is registered with the Information Regulator of South Africa.

This Privacy Policy explains what personal information we collect, why we collect it, how we use and protect it, when we share it, and 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)

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, or 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.

4.1 Information You Provide

Identity & Contact: Full name, ID/Passport number, date of birth, address, email, telephone.

Financial: Income details, assets & liabilities, banking details, investment objectives, risk profile data.

FICA/KYC: Certified ID documents, proof of address, bank statements, source of funds documentation, selfie/liveness verification.

4.2 Information Collected Automatically

• IP address
• Device & 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.

4.4 Special Personal Information

In the course of providing financial services, we may process Special Personal Information including biometric information, identity numbers, financial history, risk profiling data, and information required for anti-money laundering compliance. Such processing is conducted strictly in accordance with Sections 26–33 of POPIA.

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, and 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.

5.5 Automated Decision-Making: We may use automated tools to assist with risk profiling, compliance screening, fraud detection, and onboarding assessments. Final decisions remain subject to human oversight.

We use strictly necessary cookies (authentication, session security, platform functionality) and analytics cookies (Google Analytics — aggregate insights only). We do not sell personal data or share personal information for cross-context behavioural advertising. You may manage cookies through your browser settings.

We share personal information only when necessary with product providers, portfolio administrators, compliance consultants, auditors, IT & hosting providers, payment processors, and regulatory authorities (where required by law). All third-party operators are contractually required to implement appropriate security safeguards and comply with POPIA. We do not sell personal information.

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.

We retain personal information for the duration of the client relationship, for at least 5 years after termination (as required under FAIS/FICA), and longer if required by law or regulatory investigation. When no longer required, information is securely destroyed or anonymised.

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), and 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.

We implement appropriate technical and organisational measures including encrypted data transmission (SSL), access controls, password hashing, secure hosting environments, and internal compliance monitoring. In the event of a data breach, affected data subjects and the Information Regulator will be notified as soon as reasonably possible in accordance with Section 22 of POPIA.

Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from minors.

4AM Wealth (Pty) Ltd · FSP 47249 · Email: Ryno@4amwealth.co.za · Tel: 012 004 8302

If dissatisfied with how your information is handled, you may lodge a complaint with:

The Information Regulator (South Africa): www.justice.gov.za/inforeg/

FAIS Ombud (for complaints relating to financial advice): www.faisombud.co.za · info@faisombud.co.za

We may update this Privacy Policy from time to time. Material changes will be communicated via website notice or email notification. Continued use of our services constitutes acceptance of the updated policy.