Privacy Policy

Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information that you voluntarily provide to us. This includes your name, email address, phone number, and postal address. We also collect financial information necessary for debt management, including income details, expense records, and debt obligations.

Information We Collect Automatically

Our platform automatically collects certain information about your device and how you interact with our services. This includes your IP address, browser type, operating system, pages visited, time spent on pages, and referring websites. We use cookies and similar technologies to enhance your experience and analyze usage patterns.

How We Use Your Information

We use your information to provide and improve our debt management services, communicate with you about your account, and ensure the security of our platform. Your financial information helps us create personalized debt management strategies and track your progress toward financial goals.

• Providing personalized debt management advice and strategies
• Processing payments and managing your account
• Communicating important updates about your services
• Improving our platform based on user behavior and feedback
• Ensuring compliance with financial regulations and legal requirements
• Preventing fraud and maintaining platform security

Information Sharing and Disclosure

Service Providers

We work with trusted third-party service providers who help us operate our platform and provide services to you. These partners include payment processors, data analytics providers, and customer support platforms. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, legal process, or government request. This includes compliance with court orders, subpoenas, or regulatory investigations. We will notify you of such disclosures unless prohibited by law.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We will provide notice before your information becomes subject to a different privacy policy.

Data Security and Protection

We implement robust security measures to protect your personal and financial information. Our systems use industry-standard encryption, secure socket layer (SSL) technology, and multi-factor authentication to safeguard your data.

• End-to-end encryption for all sensitive financial data
• Regular security audits and vulnerability assessments
• Secure data centers with 24/7 monitoring
• Employee training on data protection and privacy practices
• Incident response procedures for potential security breaches

While we implement comprehensive security measures, no system is completely secure. We encourage you to use strong passwords, enable two-factor authentication, and regularly monitor your account for unusual activity.

Your Rights and Choices

Access and Correction

You have the right to access, review, and correct your personal information. You can update most information directly through your account dashboard. For assistance with data corrections or access requests, contact our privacy team.

Data Portability

You can request a copy of your personal data in a structured, machine-readable format. This allows you to transfer your information to another service if desired. Data export requests are typically processed within 30 days.

Account Deletion

You may request deletion of your account and associated personal information. Note that we may retain certain information as required by law or for legitimate business purposes, such as fraud prevention and regulatory compliance.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. Cookies help us remember your preferences, analyze site usage, and provide personalized content. You can control cookie settings through your browser preferences.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality
• Performance cookies: Help us understand how users interact with our site
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Provide insights into site usage and performance

International Data Transfers

Our primary servers are located in South Africa, but we may transfer your information to other countries for processing and storage. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information according to applicable privacy laws.

For transfers outside of South Africa, we use standard contractual clauses, adequacy decisions, or other approved transfer mechanisms to ensure your data receives adequate protection.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without proper consent, we will take steps to remove that information from our systems.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you through your registered email address or by posting a notice on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after policy changes indicates your acceptance of the updated terms.