Welcome to https://lkrisk.com/, the LK Risk website. Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, and safeguard your data in compliance with the Protection of Personal Information Act (POPIA) of South Africa.

1. Information We Collect
   We may collect the following types of personal information:

• Personal Identifiers: Name, surname, contact details, email address, phone number, and ID number.
• Financial Information: Banking details, insurance history, or any relevant financial data necessary for policy applications.
• Website Usage Data: Cookies, IP addresses, device information, and browsing behavior on our site.
• Communication Data: Any information you provide when contacting us via email, forms, or calls.

2. How We Collect Your Information
   We collect data through:

• Direct interactions (e.g., when you request a quote or fill out a contact form).
• Website tracking technologies (cookies, analytics, and logs).
• Third-party service providers (e.g., insurers we work with).

3. How We Use Your Information
   We use your personal data to:

• Provide you with insurance brokerage services.
• Process policy applications and claims.
• Respond to inquiries and offer customer support.
• Send updates, newsletters, or marketing communications (you can opt out anytime).
• Improve our website and services.
• Comply with legal obligations.

4. Sharing Your Information
   We may share your data with:

• Insurance providers and underwriters (to facilitate policy applications and claims).
• Service providers (for secure data storage, IT services, and analytics).
• Legal or regulatory bodies (if required by law or for fraud prevention).

We do not sell or rent your personal information to third parties.

5. Your Rights Under POPIA
   You have the right to:

• Access your personal information held by us.
• Correct any inaccurate or outdated information.
• Request deletion of your data (unless legally required to retain it).
• Opt out of marketing communications.
• Lodge a complaint with the Information Regulator of South Africa if you believe your rights have been violated.

To exercise your rights, contact us at: hello@lkrisk.com

6. Data Security
   We implement industry-standard security measures to protect your personal data from unauthorised access, loss, or misuse. However, no system is 100% secure, and we encourage users to take precautions when sharing sensitive information online.

7. Cookies and Tracking Technologies
   Our website uses cookies to enhance user experience and track site performance. You can manage or disable cookies via your browser settings.

8. Third-Party Links
   Our site may contain links to third-party websites. We are not responsible for their privacy practices, and we encourage you to read their policies before providing personal data.

9. Updates to This Policy
   We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.

10. Contact Us
    If you have any questions about this Privacy Policy, please contact us at:

Email: hello@lkrisk.com

By using our services, you agree to the terms outlined in this Privacy Policy.