Persons accessing the IGrow website subject themselves to and agree to the terms, conditions and privacy
policy, as set out below for the protection of your personal information. It describes how we collect, use,
disclose, and store your personal information.
This policy applies to you when you visit our website or apply for services as a customer.
Scope. Your personal information includes information we collect:
• automatically when you visit our website or use our application;
• accept on registration or submission;
• get through an application; or
• you provide voluntarily.
It excludes anonymous, statistical, and public information.
Your obligations. You may only send us your personal information, or someone else’s personal information if
you have their permission to do so.
Acceptance. You may not use our services if you do not accept this policy or any changes to it.
Changes. We may change this policy at any time and will notify you of the changes on our website,
or by email. The changed policy applies to you if you continue using our website, or our services following the
Collection. Automatically through the website. When you visit our website, we automatically collect your
Internet usage information (including your IP address, browser details, and usage information) through your
browser, which we may use to display our website correctly, track your activities on it, or for other necessary
On registration or submission. We may ask you to provide us with certain identifying information (including
your first name, surname, and email address) when you register on or otherwise submit information through
our website or application for the first time.
Through an application. We ask you to provide us certain information when you apply for services.
Voluntarily. We may ask you to provide us certain optional information voluntarily.
Consent to collection. We will get your consent to collect your personal information under applicable law
when you provide us with it.
Purpose for collection. We may process the information that you provide to us for the purposes that you
indicated when you agreed to provide it to us. Processing includes gathering your personal information,
disclosing it, and combining it with other personal information.
USE. Processing. We may process your personal information to meet our obligations to you.
Cookies. We may place text files on your device when you visit the website that allows us to provide you with a
personalised experience by associating your personal information with your device, to remember your
preferences, allow third parties to provide services to you, and otherwise serve useful purposes for you. You
can change these settings or delete them manually. However, we will not be able to provide you with access to
certain aspects of our website where cookies are necessary if you do so.
Messages. We may use your identifying information to send you administrative and update messages
about our website.
Promotional messages. We will not send you promotional messages if you have chosen to opt-out.

Targeted content. We may use your personal information to provide you with targeted content through our
website or e-mailers in a completely automated process.
Recording calls. We may monitor and record any telephone calls that you make to us unless you
specifically request us not to.
Sharing. We may share your personal information with third parties to fulfil our obligations to you, including
• other companies or divisions within our group;
• our service suppliers or contractors who help us meet our obligations to you, including those that help us
understand your personal information; or
• third parties as required by applicable law.
Honour this policy. We will require anyone that we share your personal information with to honour this
policy whenever possible in terms of applicable law.
Mandatory disclosure. We may disclose personal information to third parties if required for legal reasons, such
as if required by the relevant authorities or court orders.
Marketing purposes. We may disclose aggregate statistical information that we derive from your and
other people’s personal information to our business partners.
Personnel. We may need to disclose personal information to our staff to do their jobs but will not do so
We will implement measures to secure information and comply with applicable data protection laws, and
advanced security measures to prevent interference or access from outside intruders. We implement disaster
recovery procedures where appropriate.
Access. You may ask us to provide you with a description of the personal information that we hold about you,
correct or update it or delete it (if we do not need it to fulfil our obligations to you or applicable law does not
require us to keep it). We will take all reasonable steps to verify your identity before doing so. We may charge
a fee to recoup our costs associated with this request if there is a cost to us associated with it and provided
that applicable law allows us to do so. Please contact us with your name and any other information needed to
identify you correctly if you want access to information or want us to correct, update or delete it.
Accuracy. We will do our best to keep your personal information that we collect accurate, complete, and up to
Participation. We may ask you to update your personal information from time to time but will take steps to
verify your identity to prevent unauthorised access when doing so.
Retention. We will only keep your personal information for as long as is necessary to fulfil our obligations to
you unless you have permitted us to keep it longer or we are otherwise legally allowed to do so.
Updating or removing. You may update or remove your personal information:
• through our website or application; or
• by contacting us.
Limitation. We are not responsible for anyone else’s privacy policies or practices.
Enquiries. Please contact us by email if you have any questions about this privacy policy or how we
handle your personal information.