Last updated: 15 August 2026
1. Introduction
SNG ARGEN Actuarial Solutions (“SNG ARGEN”, “we”, “us” or “our”) respects your privacy and is committed to protecting personal information collected through the SNG ARGEN Umbrella Fund Survey website.
This Privacy Policy explains how personal information may be collected, used, stored and protected when you visit or interact with the Umbrella Fund Survey website.
We process personal information in accordance with applicable South African data protection legislation, including the Protection of Personal Information Act, 4 of 2013 (“POPIA”).
By using this website, you acknowledge the practices described in this Privacy Policy.
2. About the Umbrella Fund Survey Website
The SNG ARGEN Umbrella Fund Survey provides independent information and comparisons relating to commercial umbrella fund offerings available in South Africa.
The website provides information and insights relating to areas including:
- demographics;
- governance;
- administration;
- investments;
- costs; and
- other matters relevant to the evaluation and comparison of umbrella funds.
The information provided on this website is primarily intended for informational and educational purposes.
3. Personal Information We May Collect
Depending on how you interact with the website, we may collect limited personal information.
This may include:
- your name;
- email address;
- telephone number;
- organisation or company name;
- information contained in an enquiry or communication you send to us;
- technical information relating to your use of the website;
- IP address;
- browser and device information;
- pages visited and website usage information; and
- information collected through cookies or similar technologies.
We endeavour to collect only the personal information reasonably necessary for the purpose for which it is required.
4. How We Collect Personal Information
Personal information may be collected when you:
- contact SNG ARGEN through the contact details provided on the website;
- submit an enquiry or request information;
- communicate with us by email;
- interact with features available on the website;
- download documents or resources where tracking functionality is used; or
- browse the website where cookies, analytics or server logs collect technical information.
We may also receive information from service providers that assist us in operating, securing or analysing the website.
5. How We Use Personal Information
Personal information may be processed for purposes including:
- responding to enquiries;
- communicating with website users;
- providing requested information;
- administering and maintaining the website;
- understanding how visitors use the website;
- improving website functionality and content;
- maintaining website security;
- preventing misuse, fraud or unauthorised activity;
- maintaining appropriate records;
- complying with applicable legal and regulatory requirements; and
- protecting our legitimate rights and interests.
We will not use personal information for purposes that are incompatible with the purpose for which it was collected unless permitted or required by law.
6. Umbrella Fund Survey Information
The Umbrella Fund Survey contains information relating to umbrella funds, retirement funds and other industry participants.
Information presented as part of the survey should not automatically be regarded as personal information relating to an individual.
Where personal information is processed in connection with research, survey responses, enquiries or other activities associated with the Umbrella Fund Survey, such information will be handled in accordance with applicable legal requirements and appropriate confidentiality obligations.
7. Cookies and Website Analytics
The website may use cookies and similar technologies to enable functionality and understand how visitors interact with the website.
Cookies are small files stored on your device when you visit certain websites.
Cookies may be used for purposes such as:
- ensuring that the website functions correctly;
- remembering website preferences;
- improving website performance;
- understanding visitor behaviour;
- measuring website traffic; and
- maintaining website security.
Where analytics services such as Google Analytics are used, information about website usage may be processed by the relevant service provider.
You can generally control or delete cookies through your browser settings. Disabling certain cookies may affect some website functionality.
8. Sharing of Personal Information
We do not sell personal information.
Personal information may be shared with trusted service providers where reasonably necessary for the operation of the website or our services.
These may include providers of:
- website hosting;
- website maintenance;
- information technology services;
- website security;
- email services;
- analytics services;
- professional services; and
- other technology or administrative services.
Where appropriate, service providers processing personal information on our behalf are required to handle that information securely and only for authorised purposes.
Personal information may also be disclosed where required by law, regulation, court order or a lawful request from a competent authority.
9. Cross-Border Processing
Some technology, hosting, cloud, analytics or other service providers may process or store information outside South Africa.
Where personal information is transferred outside South Africa, we will take reasonable steps to ensure that such processing complies with the requirements of POPIA and other applicable legislation.
10. Security of Personal Information
We take reasonable technical and organisational measures to protect personal information against:
- loss;
- misuse;
- unauthorised access;
- unlawful processing;
- alteration;
- destruction; and
- unauthorised disclosure.
Although reasonable security measures are implemented, no website, internet transmission or electronic storage system can be guaranteed to be completely secure.
Users should therefore exercise appropriate care when transmitting personal information electronically.
11. Retention of Personal Information
Personal information will not be retained for longer than reasonably necessary for the purpose for which it was collected, unless a longer retention period is required or permitted by law.
When personal information is no longer required, it may be securely deleted, destroyed or de-identified where appropriate.
12. Your Rights Under POPIA
Subject to applicable law, you may have the right to:
- request confirmation of whether we hold personal information about you;
- request access to your personal information;
- request correction or updating of inaccurate personal information;
- request deletion or destruction of personal information where legally permissible;
- object to certain processing of your personal information;
- withdraw consent where processing is based on consent; and
- lodge a complaint with the Information Regulator of South Africa.
Certain rights may be subject to limitations or exceptions provided for by law.
13. Third-Party Websites
The Umbrella Fund Survey website may contain links to external websites or resources operated by third parties.
We are not responsible for the privacy practices, security or content of third-party websites.
We recommend reviewing the privacy policy of any external website before providing personal information to that website.
14. Children’s Personal Information
This website is not specifically intended for children and we do not knowingly seek to collect personal information from children through the website.
Where children’s personal information is processed, it will be handled in accordance with POPIA and other applicable legal requirements.
15. Accuracy of Information
Where you provide personal information to us, you are encouraged to ensure that the information is accurate, complete and up to date.
You may contact us if information you have provided needs to be corrected or updated.
16. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes to:
- the website;
- our information-processing practices;
- technology;
- service providers; or
- applicable legal or regulatory requirements.
The latest version will be published on this website together with the date on which it was last updated.
17. Contact Us
For questions regarding this Privacy Policy, the processing of personal information or the exercise of your rights under POPIA, please contact:
SNG ARGEN Actuarial Solutions
Website: Umbrella Fund Survey
Email: [email protected]
18. Information Regulator
If you believe that your personal information has been processed in contravention of POPIA, you may have the right to lodge a complaint with the Information Regulator of South Africa.
Before lodging a complaint, you are welcome to contact SNG ARGEN so that we have an opportunity to investigate and address your concern.