Legal & Compliance

At Comprehensive Financial Solutions (SA), your privacy is of the utmost importance to us. In line with the Protection of Personal Information Act (POPIA), Act No. 4 of 2013, we are committed to safeguarding the personal information you share with us, and to processing your data lawfully and transparently.

We collect and process your personal information in order to:

• Assess your financial needs and offer tailored financial, risk, and investment solutions. 
• Facilitate services such as insurance, investments, home loans, and business funding through authorised third-party partners (e.g., Liberty Life, Old Mutual, Mortgage Originators). 
• Comply with regulatory and legal obligations under South African financial services legislation. 

Examples of personal information collected:

• Full name, ID number, and contact details 
• Financial details (income, expenses, assets, liabilities) 
• Risk profiles and investment preferences 
• Medical or health-related data (for underwriting where applicable) 
• Any information required for compliance with FICA or FAIS regulations 

We only collect and process your personal information when:

• You have given us explicit consent; or 
• It is necessary for the performance of a contract or service you have requested; or 
• It is required for compliance with legal obligations; or 
• It is in your legitimate interest and aligned with our professional obligations. 

We may share your personal information with:

• Registered and authorised Financial Services Providers (such as Liberty Life and Old Mutual) 
• Real estate and mortgage origination partners (such as Bondzansi and MultiNet Home Loans) 
• Credit bureaus, compliance authorities, and regulatory bodies where required by law
   

All third-party service providers are bound by confidentiality and data protection agreements in accordance with POPIA. 

As a data subject, you have the right to:

• Request access to your personal information 
• Request correction or deletion of your data 
• Object to the processing of your information 
• Withdraw your consent at any time 
• Lodge a complaint with the Information Regulator 

To exercise your rights, please contact us at:
📧 [Insert Email Address]
📞 [Insert Phone Number]

We take all reasonable and appropriate technical and organisational measures to ensure the integrity, confidentiality, and security of your personal information, including:

• Secure communication and storage protocols 
• Restricted access to personal data 
• Ongoing compliance monitoring 

We retain your information for as long as necessary to:

• Provide services and support 
• Comply with legal, regulatory, or contractual obligations 
• Maintain financial and transactional records 

We may update this policy from time to time. All updates will be posted on this website and, where appropriate, communicated to you directly.

For any privacy-related questions or requests, please contact us at: 📞 +27 60 558 7827 📧 admin@comprehensivefinancialsolutions.co.zaBy using our website, you agree to the terms of this Privacy Policy. We may update this policy periodically, so please check back for any changes. 

 Comprehensive Financial Solutions (SA)
Last Updated: April 19 2025  

Welcome to the website of Comprehensive Financial Solutions (SA) (“the Site”), operated by Johan, an independent financial services contractor affiliated with various Financial Services Providers (FSPs), including Liberty Life and Old Mutual. By accessing or using this website, you agree to be bound by the terms and conditions set out below.

If you do not agree to these Terms and Conditions, please refrain from using this website.

• The content of this website is for general information purposes only and may be subject to change without notice. 
• This website is intended for users based in South Africa and complies with relevant South African legislation, including the Financial Advisory and Intermediary Services Act (FAIS) and the Protection of Personal Information Act (POPIA). 
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence. 

Comprehensive Financial Solutions (SA) operates independently and is not a Financial Services Provider (FSP) in its own right. All financial advice and product offerings are provided in association with authorised and registered FSPs such as Liberty Life and Old Mutual. Any recommendations made are subject to the respective terms and compliance requirements of these institutions.

The content provided on this site does not constitute formal financial, investment, tax, legal, or other professional advice. All users are encouraged to consult directly with a licensed financial advisor or FSP before making any financial decisions.

• This website and its contents, including but not limited to text, images, layout, design, and logo, are the property of Comprehensive Financial Solutions (SA) unless otherwise indicated. 
• You may not reproduce, distribute, or transmit any content from this website without prior written permission, except for personal, non-commercial use. 

While every effort is made to ensure the accuracy and timeliness of the information presented, Comprehensive Financial Solutions (SA) shall not be held liable for any loss, damage, or inconvenience caused by reliance on material found on this site.

This website may include links to external websites for additional resources or partner services. These links are provided for convenience and do not signify endorsement. Comprehensive Financial Solutions (SA) is not responsible for the content or privacy practices of any external websites.

Your privacy is important to us. All personal information submitted through this site is handled in accordance with the Protection of Personal Information Act (POPIA). For more details, please refer to our Privacy Policy.

Comprehensive Financial Solutions (SA) reserves the right to revise these Terms and Conditions at any time. Continued use of this site after such changes will constitute your consent to the updated terms.

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of South Africa. Any disputes arising from or related to this website shall fall under the jurisdiction of South African courts.

For any questions, complaints, or clarification regarding these Terms and Conditions, you may contact:

Johan – Comprehensive Financial Solutions (SA)
📧 Email: admin@comprehensivefinacialsolution.co.za
📞 Phone: +27605587827

By using our website, you agree to the terms of this Privacy Policy. We may update this policy periodically, so please check back for any changes.