Privacy Policy version 2.6, effective 1 March 2024

Privacy Policy version 2.6, effective 1 March 2024.

Summary of changes: 22seven will share personal information with companies in the Old Mutual Group for market research and analysis purposes. We will not share personal information with any other third parties without your consent.

You may opt out of these changes without closing your 22seven profile in the 22seven web app at any time. Please email if you need any help.


Privacy FAQ’s
Personal Information
Can 22seven staff see your Personal Information?
Is your Personal Information deleted when you close your profile?
Collection and Use of Personal Information and data
Do we ever share or sell your personal information?
Do we share or sell anonymised, aggregated data?
Can anyone see your personal data in anonymised, aggregated data?
Do we share your Personal Information/data with third-party partners?
Do we encrypt and protect your Personal Information?
Is your Personal Information deleted if you delete the app from your device?
Do we retain your Personal Information for as long as we need it unless you ask us to delete it?
Do we use Cookies?
Privacy Policy Updates
Can we change our Privacy Policy?
Will we give you advanced notice if we make changes to our Privacy Policy?
Do we send you communication about 22seven with an option to opt out?
Do we send you push notifications with an option to opt out?
Can you have your name removed from our public forum/message board?
Will we contact you to voluntarily participate in research to improve the service?


  1. Privacy Policy

    22seven is committed to the privacy of your Personal Information. Your information is yours – always. We will always collect the minimum amount of Personal Information necessary to provide the Service to you. Our staff and Authorised Service Providers are bound by confidentiality and privacy obligations that align directly with this Privacy Policy. They are given access only to the information they require to fulfil their responsibilities.

    This Privacy Policy describes and explains what Personal Information we collect, how we use it and how we protect it. “Personal Information” means any information that is recognised as such under South African Law and includes any information which identifies you (our customer) or which, when linked to other information, can personally identify you

    Personal Information
    What Personal Information does 22seven collect and how is it used?

    You understand and accept that we may monitor and log user activity, and any material contributed by users, for security purposes in order to identify any actual or potential misuse of our Service Channels.

    We collect Personal Information that is reasonably necessary for us to provide the Service to you.

    1. Registration Information

      Name, email address and password you provide when you register to use the Service so that we know who you are, can authenticate your use of the Service and are able to contact you about Service related matters.

    2. Security Credentials

      Your User ID, PIN, Password and any other required authentication information to automatically collect your Account Information from the secure websites and systems of your nominated Product/Service Providers on your behalf. From the time you submit this information to us it is always transferred and stored in encrypted form. It is stored only by Yodlee (our Authorised Aggregation Service Provider) and is only ever used to collect your account information from your nominated Product/Service Providers on your behalf to be used in the Service. Your Security Credentials are never disclosed to any other third party and at no time can employees of 22seven or Yodlee access them

    3. Account Information

      Balances, transactions, debit orders, credit score, tax calculations, cover values, beneficiary details, trading margin, trading positions, asset & fund allocations and other account-specific details that Yodlee’s automated aggregation service collects from your Product/Service Providers on your behalf or that you provide directly to the 22seven Service via the Website or Mobile Applications. You will have full access to this information via the Service. You will also have access to the information and insights our automated algorithms derive from your Account Information. We only store the last four-digits of account and credit card numbers when received as Account Information.

    4. Billing Information

      Bank account, credit card or other payment details you provide or may have provided. This information is handled separately from your Account Information and is disclosed to our authorised billing service providers during the collection process and is only used for this purpose.

    5. Correspondence Information

      Information we collect when we receive correspondence from you via email, social media, mobile text messages and phone calls. This includes your sender information, the content of the message and the metadata pertaining to the message. We use this information to communicate with you and to improve the Service.

    6. Public Forum/Message Board Information

      Your name (as provided at registration) as well as the messages you post on our public forum/message board. This information is visible to all users and will remain as such even if you terminate your use of the Service.

    7. Website and Mobile Application connection information

      Your IP address, type, version and language of Internet browser, operating system and version, type of device, screen resolution, referring and exit web pages. We use your IP address to understand the geographic makeup of our customer base and to assist with the identification of potential unauthorised access. We use the rest of this information to optimise the usability of the Service on your access device. We may also compile aggregate information to analyse usage patterns and make improvements to our Service.

    8. Additional Verification Information

      Copies of your identity documents or utility bills in order for us to verify your identity should you be unable to unlock your account through our standard online verification process.

    9. Transaction and Financial Position Reporting

      Upon your request, we may generate standardised financial reports or transaction reports for you to use and share as you choose. You may also change or revoke access to these reports at your sole discretion.

    10. Financial Product Uptake and Pricing

      We may require you to provide your cell phone number, date of birth, gender, smoker status, income level, level of education, occupation, occupation activities, residential address, housing details, vehicle details, driver’s license details and other similar details to enable you to take up and/or obtain personalised pricing of financial products.

    11. Optional Personal Information

      You may also opt to provide us with information such as your age, employment status, marital status, number of children, residential province & city, geolocation, credit score, financial objectives, savings goals, personal interests and other similar details that we may use to customise the Service for you and provide you with more accurate, personal and contextually relevant insights.

    12. Research and statistical analysis

      22seven is part of the Old Mutual Group. We or Old Mutual may use your Personal Information to conduct market or customer research or for analysis purposes.

  3. Is your Personal Information deleted when you close your profile?

    Yes. When you close your profile we delete your Personal Information (including your Security Credentials for your Product/Service Provider websites and your profile information). There may be some information that we are required by South African law to retain.

  4. Do we retain your Personal Information for as long as we need it unless you ask us to delete it?

    Yes. We will keep your information for as long as you are an active customer of the Service. We delete your information when you terminate your use of the Service but will retain some Personal Information for so long as we are obliged to do so under South African law. Such information will always be maintained under the same security and privacy controls that are in place for other customers of the Service.

  5. Can 22seven staff see your Personal Information?

    No. 22seven staff are bound by comprehensive confidentiality obligations. Our staff are given access only to information they are required to see in order for them to fulfil their responsibilities. In all cases we provide access to the minimum amount of information. Given their role, our customer support team has access to the most amount of Personal Information – to enable them to answer your support questions. In addition to Service usage information, our internal systems provide them with secure access to:

    • Your name and email address

    • The names of your Product/Service Providers and account types

    • Your account names as well as the last four digits of your account and card numbers

    • Transaction dates and descriptions - no transaction or balance amounts

  6. Can I correct my Personal Information?

    Yes. You are able to correct inaccurate Personal Information via the Service once you have successfully logged in. Alternatively, you may request us to correct inaccurate information via email at We will require that you verify you are in fact the owner of such Personal Information. Once the changes are made we will notify you by email at your nominated email address. If there is any Personal Information not accessible via the Service that you wish to have access to for purposes of correcting. Contact

  7. Collection and Use of Data and Personal Information
    Does 22seven ever disclose my Personal Information to third parties?

    We disclose your Personal Information only to:

    • our Authorised Service Providers with whom we contract to assist us in providing the Service to you. We make use of Authorised Service Providers to automatically aggregate your Account Information, host and run our servers, send emails, manage support requests and enrich information. They process your Personal Information strictly in accordance with our instructions and for the purpose for which such Personal Information has been disclosed to them. They will always be under obligation to protect your Personal Information on terms that provide the same or equivalent protection as set out in this Privacy Policy

    • other companies in the Old Mutual Group who will use it for market research and analysis purposes. You are able to opt out of this by logging into the 22seven web app and clicking the Third-party access tab in the Settings menu.

    In addition, we may disclose your Personal Information to law enforcement, other government officials, or other third parties as may be necessary in connection with an investigation of fraud, intellectual property infringements, cyber crime, or other activity that is illegal or may expose us or our Authorised Service Providers to legal liability.

  8. Does 22seven use my information for any purpose other than providing the Service to me?

    We may aggregate and analyse your ‘de-identified’ information (i.e. stripped of all uniquely identifiable attributes and that cannot subsequently be re-identified) with that of other customers and information received from other sources. We will do this to develop market insights, troubleshoot problems, detect and protect against error, fraud and other criminal activity, identify behaviour/usage patterns and improve our Service generally. We may publish or share the insights we develop through this process.

  9. Will 22seven ever share or sell my Personal Information?

    Yes, within the Old Mutual Group. We collect and use your Personal Information only to provide the Service to you and as set out in this Policy. Your Personal Information remains exactly that – yours.

  10. Does 22seven encrypt and protect my information?

    Yes. We use a combination of technical, procedural and operational measures to keep your information safe and secure.

  11. Do we use Cookies?

    Yes, unless you have disabled Cookies in your Internet browser, we will store Cookies on your computer/device when you visit our website. These Cookies (small text files containing a string of characters) enable us to recognise you as a returning visitor, track your usage behaviour, as well as store your user preferences and other information. We do this to remember information so that you will not have to re-enter it during your visit or the next time you visit the Website. Cookies also allow us to provide custom, personalised content and information, monitor the effectiveness of our marketing campaigns and monitor aggregated metrics such as the total number of visitors and pages viewed.

  12. What does aggregated data look like?

    During Black Friday, 22seven customers changed their spending behaviour:

  13. Privacy Policy Updates
    Can we change our Privacy Policy and what happens if it does?

    Yes. We may change our Privacy Policy at any time. We will notify you of any lessening of your rights or our obligations regarding your Personal Information before such changes are made. We will post the new policy on the Website or Mobile Applications and if you are not happy with the new Privacy Policy you may terminate your use of the Service. The most current version of the policy will govern our use of your information and will always be available at By continuing to use the Service after changes to the Privacy Policy become effective, you agree to be bound by the revised Privacy Policy.

  14. What happens if the ownership of 22seven changes hands?

    If we become involved in any merger, consolidation, or sale of our assets and this involves the sharing in any way of your Personal Information, we will ensure the confidentiality of such information and let you know before your Personal Information is transferred and becomes subject to a different Privacy Policy. Should you not wish for your Personal Information to be so transferred, you may terminate your use of the Service by closing your account, which will result in the deletion of your Personal Information.

  15. Communication
    Do we send you communication about 22seven with an option to opt out?

    Yes. You may opt out of disclosure of your Personal Information. Should you choose to do this and should the opt out be in respect of Personal Information necessary to provide the Service, we may not be able to extend certain features to you and in such circumstances, we will notify you of this. Should you still wish to opt out after such notification you will be entitled to do so or terminate your use of the Service, which will result in the deletion of your Personal Information. We also send you push notifications and alerts which can be switched on off inside the app.

    Can you have your name removed from our public forum/message board?

    Yes. If you wish to have your name removed from the messages you post to our public forum/message boards please contact us.


    Who should I contact if I have any comments, questions, concerns or complaints?

    If you have any questions, comments or concerns about our Privacy Policy, please contact us.


    Can I contact the Information Regulator if I have complaints or concerns

    Yes, you have the right to contact the Information Regulator for further complaints or enquireies.

  16. Their contact details are:

    General enquiries:

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