This Cookie Policy explains how First Africa Life (Pty) Ltd (“we”, “us”, or “our”) uses cookies and similar technologies on the website www.firstafricalife.co.za. This Policy should be read together with our Privacy Notice and applies to all visitors and users of the Website.
First Africa Life (Pty) Ltd uses cookies and similar technologies on firstafricalife.co.za to enhance user experience, ensure site functionality, and comply with South African data protection laws like POPIA.
This policy explains what cookies are, how we use them, your choices, and management options for our term life insurance website.
What Are Cookies?
Cookies are small text files stored on your device by websites you visit.
They help recognize your browser, track preferences, and analyze usage without identifying individuals. Similar technologies include web beacons, pixels, and local storage; all fall under this policy.
How We Use Cookies
We process cookies in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”).We categorize cookies by purpose and lifespan, using only essential ones without prior consent per POPIA exemptions for legitimate interests.
- Essential/Strictly Necessary: Enable core functions like navigation, quote forms, and security (e.g., session ID). Cannot be disabled; duration: session or 1 year.
- Performance/Analytics: Measure site traffic, page views, bounce rates (e.g., Google Analytics). Anonymized data; opt-out available. Duration: 2 years max.
- Functionality: Remember preferences (e.g., language, quote inputs). Duration: 1 year.
- Targeting/Advertising: Limit ad frequency, personalize based on interests (e.g., Google Ads, Facebook Pixel). Requires consent; duration: 13 months.
Third-party cookies from providers like Google are used under data processing agreements compliant with POPIA Section 21.
Cookie Details Table
| Category | Examples | Providers | Purpose | Duration | Consent Required? |
| Essential | PHPSESSID, csrf_token | firstafricalife.co.za | Session management, security | Session | No |
| Performance | _ga, _gid | Google Analytics | Usage analytics (anonymized) | 2 years | No (opt-out yes) |
| Functionality | preferences_lang | firstafricalife.co.za | User preferences | 1 year | No |
| Targeting | _gcl_au, fr | Google, Facebook | Ad personalization | 13 months | Yes |
Consent Management
A cookie banner prompts first-time visitors for consent to non-essential cookies.
- Accept All: Enables all categories.
- Reject All: Uses only essential cookies.
- Customize: Granular choices by category.
Consent is stored as a cookie; revisit via “Cookie Settings” footer link. Withdraw anytime without affecting page functionality. Records kept for audits per POPIA accountability.
Third-Party Cookies
We integrate trusted partners:
- Google Analytics/Tag Manager: Anonymized stats (IP masked); see google.com/analytics/terms.
- Payment gateways (PayFast): Transaction security.
- Social media (Facebook): Share buttons, ads.
Third parties control their cookies; review their policies for opt-outs.
Your Choices and Controls
Manage cookies via:
- Our Cookie Settings tool (updates consent instantly).
- Browser settings: Block/refuse (may break site features); clear data in Chrome/Firefox/Safari/Edge.
- Global tools: YourAdChoices (ads), Google Analytics Opt-out (tools.google.com).
Private/Incognito mode limits persistent cookies. Do Not Track (DNT) signals respected where possible.
POPIA Compliance
Cookie processing follows POPIA Conditions: lawful (consent/legitimate interests), purpose-bound, minimal, secure. Personal data from cookies (e.g., linked to profiles) treated per our Privacy Notice.
No sensitive data stored in cookies.
Data Sharing and International Transfers
Aggregate analytics shared with service providers.
International transfers (e.g., Google US servers) justified by EU-US Data Privacy Framework or Standard Contractual Clauses, ensuring POPIA-equivalent protection (Section 72).
Retention and Deletion
Cookies deleted on expiry or manual clear. Consent records retained 12 months post-withdrawal for compliance.
Children’s Privacy
No targeted cookies for users under 18; parental controls advised.
Updates to Policy
Changes posted here with date; material updates notified via banner/email. Review regularly.
Last Updated: February 10, 2026.
Contact Us
Questions? Email cookies@firstafricalife.co.za or privacy@firstafricalife.co.za.
Information Officer: Akua Ofori, First Africa Life (Pty) Ltd, PO Box 1234, Johannesburg, 2000, South Africa.
Regulator: Information Regulator, complaints.IR@justice.gov.za, +27 75 942 0417