BREACH OF PERSONAL INFORMATION// NON DISCLOSURE OF T's&C's//REFUND ALL PREMIUMS WITH INTEREST

<p>Around October/ November 2015 I took a foundational policy with Clientelle and was never supp**** with any policy documents and or ever contacted thereafter concerning the same. Last week I was informed by one of Clientelle consultant who wanted to market to me the same policy I thought I had with them. When I advised him that I had this policy already, she advised that it lapsed and all the premiums I paid had been forfeited as per the terms and conditions I agreed to. I out rightly, disagreed with her and advised that I have never received any T’s & C’s from them since taking the policy nor have I been contacted about my policy being lapsed till today. She informed me that the policy T’s & C’s were sent to my email address. I disputed this, she then asked me my email address which I provided and still the same as that on the application form. She checked this and confirmed I was right and stated that they captured it incorrectly and as a result sent my personal information to a wrong email address. She further stated that they never received any error message from the same and hence never followed up on the T’s & C’s. This made me very upset because Clientelle compromised my information and sent it to a third party and there is a probability that my personal information which includes my ID, physical address, Bank details, my child’s name, next of kin etc are in the hands of an unauthorized third party and all of us could be or have been victims of crime unaware. This is clearly not in line with the POPIA legislations, common law confidentiality they owe to me as a customer and same falls short of the TCF principles.</p> <p> </p> <p>In addition, clientelle wants to hold me liable to T’s & C’s which I never received which I am of the view that it is highly unfair, unreasonable and unjust and fall short of the TCF principles as I would not have known of the same and or ever advised of such term in the policy. Judith Mboweni (Customer agent handling my complaint) advised that her manager Fezeka has advised that the onus was on me as the customer to query as to why I did not receive the terms and conditions and only then they would be sent to me. I fail to see the logic in this argument as the customer I would not have known of any T’s & C’s least its disclosed to me. Further the fact that clientelle conceded on sending the information to an incorrect email address throws Fezeka’s argument out of the window and shows that the onus always lies on them to disclose T’s & C’s of any policy to the customer without any need for the on the customer to query the same.</p> <p> </p> <p>Therefore, I vehemently dispute that I am bound by T’s & C’s which seeks to have my premiums forfeited. In addition, Judith states that an sms was sent to me advising that my policy will lapse for now I cannot deny or confirm this as I am still awaiting confirmation of such message from my network provider. Notwithstanding, an sms advising that a policy will lapse, such sms does not necessary mean that the customer will forfeit his premiums andthat the two words lapse and forfeit mean the same thing. Consequently, I request that you refund me all of my premiums paid immediately . I also seek compensation for future loss of personal information which myself, next of kin and child could suffer or haved suffered unaware as a result of your gross negligent and poor security measures..</p> <p> </p>