Privacy Policy

Information We Collect

We collect information to provide better services to our users and improve our financial education platform. The types of information we gather include:

• Personal identification information such as name, email address, phone number, and mailing address when you register for our services
• Financial education preferences and learning progress to customize your experience
• Technical information including IP address, browser type, operating system, and device information
• Usage data about how you interact with our platform, including pages visited and time spent on different sections
• Communication records when you contact our support team or participate in surveys
• Payment information when you purchase courses or services, though we use secure third-party processors

We collect this information through various methods including direct input from users, automated technologies like cookies, and legitimate third-party sources that help us verify and enhance our services.

How We Use Your Information

Your information helps us deliver personalized financial education experiences and maintain high service standards. Here's how we use the data we collect:

• Providing access to our financial education programs and learning materials
• Personalizing course recommendations based on your learning goals and progress
• Processing payments and managing your account securely
• Sending important updates about your courses, account changes, and platform improvements
• Responding to your inquiries and providing customer support
• Analyzing platform usage to improve our educational content and user experience
• Ensuring platform security and preventing fraudulent activities
• Complying with legal obligations and regulatory requirements in South Africa

We never sell your personal information to third parties. Any data sharing occurs only with trusted partners who help us deliver our services, and always under strict confidentiality agreements.

Data Protection and Security

Protecting your personal information is a top priority. We implement comprehensive security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

• Industry-standard SSL encryption for all data transmission between your device and our servers
• Secure data storage with regular backups and disaster recovery procedures
• Regular security audits and vulnerability assessments by independent third parties
• Strict access controls ensuring only authorized personnel can access your information
• Employee training on data protection principles and privacy best practices
• Compliance with South African Protection of Personal Information Act (POPIA) requirements

While we take every reasonable precaution to protect your data, no internet transmission is completely secure. We encourage you to use strong passwords and log out of your account when using shared devices.

Your Privacy Rights

You have significant control over your personal information. Understanding these rights empowers you to make informed decisions about your data:

• Access: Request a copy of all personal information we hold about you
• Correction: Update or correct any inaccurate or incomplete information
• Deletion: Request deletion of your personal data, subject to legal retention requirements
• Portability: Receive your data in a structured, commonly used format
• Objection: Object to certain types of data processing, particularly for marketing purposes
• Restriction: Request limitation of how we process your information in specific circumstances

To exercise any of these rights, contact our privacy team using the information provided below. We will respond to your request within 30 days and may require identity verification for security purposes.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your learning experience and analyze platform performance. These small data files help us remember your preferences and provide personalized content.

• Essential cookies that enable core platform functionality and security features
• Performance cookies that help us understand how users interact with our educational content
• Functional cookies that remember your preferences and customization settings
• Analytics cookies that provide insights into learning patterns and platform usage

You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality. Our cookie notice provides detailed information about each type we use.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes.

• Active account data is retained while your account remains active and for two years after account closure
• Learning progress and course completion records are kept for five years to support certification verification
• Payment and transaction records are retained for seven years as required by South African tax law
• Marketing communications data is deleted immediately upon unsubscribe request
• Technical logs and analytics data are automatically deleted after 18 months

When deletion occurs, we ensure secure destruction of data across all systems and backups, except where longer retention is required by law or legitimate business interests.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through email or prominent platform notifications.

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our platform after policy updates constitutes acceptance of the revised terms.