Privacy Policy

Personal Information

We collect various types of personal information when you interact with our services. This includes information you provide directly and information we gather automatically through your use of our platform.

• Name, email address, phone number, and physical address
• Financial information including income, employment details, and banking information
• Government-issued identification numbers for verification purposes
• Business information for commercial accounts
• Communication preferences and marketing consent

Technical Information

Our systems automatically collect technical data to improve your experience and maintain security. This data helps us understand how our services are used and identify potential issues.

• Device information including IP address, browser type, and operating system
• Usage patterns, page views, and time spent on our platform
• Location data when permitted by your device settings
• Cookies and similar tracking technologies
• Security logs and authentication data

Marketing and Communications

We may use your contact information to send you relevant updates about our services, educational content, and promotional materials. You can opt out of marketing communications at any time through your account settings or by contacting us directly.

Service Providers

We work with trusted third-party service providers who help us deliver our services. These partners are carefully selected and bound by strict confidentiality agreements.

• Payment processors for transaction handling
• Identity verification services for account security
• Cloud storage providers for data management
• Customer support platforms for service delivery
• Analytics providers for service improvement

Legal Requirements

We may disclose your information when required by law, regulation, or legal process. This includes cooperation with law enforcement agencies and regulatory bodies in South Africa and internationally.

How to Exercise Your Rights

To exercise any of these rights, simply contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days and may require identity verification for security purposes.

Technical Safeguards

• End-to-end encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Secure data centers with physical access controls
• Regular software updates and security patches

Organizational Measures

• Employee training on data protection and privacy
• Access controls limiting data access to authorized personnel
• Regular privacy impact assessments
• Incident response procedures for data breaches
• Data retention policies and secure disposal procedures

Retention Periods

• Account information: Retained while your account is active and for 7 years after closure
• Transaction records: Retained for 7 years as required by financial regulations
• Communication records: Retained for 3 years for quality assurance
• Marketing data: Retained until you withdraw consent or for 2 years of inactivity
• Technical logs: Retained for 12 months for security purposes

Secure Deletion

When retention periods expire, we securely delete your personal information using industry-standard deletion methods that make recovery impossible. This includes both digital and physical records.

Transfer Safeguards

• Standard contractual clauses approved by data protection authorities
• Adequacy decisions for transfers to countries with equivalent protection
• Binding corporate rules for transfers within our corporate group
• Your explicit consent for specific transfers when required

Data Localization

We maintain primary data storage within South Africa where possible and ensure all international transfers comply with local data protection laws and regulations.

Types of Cookies

• Essential cookies for website functionality and security
• Performance cookies for analytics and service improvement
• Functional cookies for personalization and preferences
• Marketing cookies for targeted advertising (with your consent)

Managing Cookies

You can control cookie settings through your browser preferences or our cookie management tool. Please note that disabling certain cookies may limit website functionality.

Parental Rights

If you believe we have collected information from your child, please contact us immediately. We will verify your identity and take appropriate action to protect your child's privacy.

Change Notification

For material changes that affect your rights or how we use your information, we'll provide at least 30 days' notice before the changes take effect. Your continued use of our services constitutes acceptance of the updated policy.