Introduction and Overview

Welcome to Fjolento Voskardo's Privacy Policy. This document explains how we collect, use, store, and protect your personal information when you visit our website or use our small business financial management services. We're committed to maintaining the highest standards of data protection and transparency in all our operations.

As a South African-based financial services provider, we comply with the Protection of Personal Information Act (POPIA) and other applicable data protection regulations. This policy applies to all personal information we process, whether you're a current client, prospective customer, or website visitor.

Information We Collect

We collect different types of information depending on how you interact with our services. Here's a breakdown of what we gather and why we need it:

Automatic Data Collection

When you visit our website, we automatically collect certain technical information through cookies and similar technologies. This includes your IP address, browser type, operating system, and pages visited. We use this information to analyze website performance, detect security threats, and improve user experience.

How We Use Your Information

Your information helps us provide better services and maintain platform security. Here are the specific ways we use your data:

• Providing and maintaining our financial management platform services
• Processing transactions and managing your business accounts
• Communicating with you about services, updates, and important notices
• Improving our platform functionality based on usage patterns
• Detecting and preventing fraud, security threats, and unauthorized access
• Complying with legal obligations and regulatory requirements
• Providing customer support and resolving technical issues
• Conducting business analytics to enhance our services

Information Sharing and Disclosure

We maintain strict controls over information sharing and only disclose your data in specific, limited circumstances:

Service Providers

We work with trusted third-party service providers who help us operate our platform, including cloud hosting providers, payment processors, and security services. These providers are contractually obligated to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

We may disclose information when required by South African law, court orders, or regulatory authorities. This includes compliance with POPIA requirements, tax regulations, and anti-money laundering laws. We'll notify you of such disclosures when legally permitted to do so.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business. We'll provide notice and ensure any new entity continues to honor this privacy policy.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Any data sharing is done with your explicit consent or as required by law.

Your Privacy Rights

Under South African law and our commitment to privacy, you have several important rights regarding your personal information:

To exercise any of these rights, contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days and verify your identity before processing any changes to your account information.

Data Security and Protection

Protecting your information is our top priority. We employ multiple layers of security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

Our platform uses industry-standard encryption for data transmission and storage. All sensitive information is encrypted both in transit and at rest using AES-256 encryption standards. We maintain secure servers with regular security updates and monitoring.

Access Controls

Access to personal information is strictly limited to authorized personnel who need it to perform their job functions. All staff members undergo security training and sign confidentiality agreements. We use multi-factor authentication and regular access reviews to maintain security.

Incident Response

We maintain a comprehensive incident response plan to address any potential security breaches. In the unlikely event of a data breach affecting your personal information, we'll notify you and relevant authorities within the timeframes required by law.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by South African law.

Retention Periods

• Account information: Retained for the duration of your active account plus 7 years for regulatory compliance
• Financial transaction records: Kept for 5 years as required by tax and financial regulations
• Communication records: Maintained for 3 years for customer service and dispute resolution
• Website usage data: Typically deleted after 2 years unless needed for ongoing security purposes
• Marketing preferences: Retained until you withdraw consent or close your account

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. Some information may be retained in anonymized form for statistical analysis and service improvement purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services.

Types of Cookies We Use

• Essential cookies: Required for basic website functionality and security
• Performance cookies: Help us understand how visitors use our website
• Preference cookies: Remember your settings and customization choices
• Security cookies: Protect against fraud and unauthorized access

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality and your ability to access some features of our platform.

Updates to This Policy

We review and update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through email or a prominent notice on our website.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.

Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with any changes, please contact us to discuss your concerns or close your account if necessary.