Introduction

forynvelaqith ("we," "our," or "us") operates forynvelaqith.org and provides budget essentials education and financial literacy services. We respect your privacy and are committed to protecting your personal data in accordance with South African privacy laws, including the Protection of Personal Information Act (POPIA).

This privacy policy will inform you about how we look after your personal data and tell you about your privacy rights and how the law protects you. Please read this privacy policy carefully before using our services.

Information We Collect

We collect and process various types of personal information to provide you with our financial education services:

• Contact Information: Name, email address, phone number, and postal address when you register for our programs or contact us
• Account Data: Username, password, and account preferences for accessing our learning platform
• Educational Progress: Course completion status, quiz results, and learning milestones
• Payment Information: Billing details and transaction history (credit card details are processed securely through third-party providers)
• Technical Data: IP address, browser type, device information, and website usage analytics
• Communication Records: Messages sent through our contact forms, support tickets, and email correspondence

How We Use Your Information

We process your personal data for legitimate business purposes and with your consent where required by law:

Service Delivery: To provide access to our educational content, track your learning progress, and deliver personalized budget management guidance tailored to South African financial practices.

Communication: To send you important updates about your account, course announcements, and respond to your inquiries. We may also send promotional materials about new programs, but only with your explicit consent.

Payment Processing: To handle subscription payments, refunds, and maintain accurate billing records in compliance with South African financial regulations.

Platform Improvement: To analyze usage patterns, improve our educational content, and enhance the overall user experience based on aggregated, anonymized data.

Data Sharing and Third Parties

We do not sell your personal information to third parties. However, we may share your data in the following circumstances:

Service Providers: We work with trusted third-party companies that help us operate our platform, including payment processors, email service providers, and analytics tools. These partners are bound by strict confidentiality agreements.

Legal Requirements: We may disclose your information when required by South African law, court orders, or government regulations, or to protect our rights and the safety of our users.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.

Your Rights Under POPIA

As a South African resident, you have specific rights regarding your personal information:

Data Security Measures

We implement comprehensive security measures to protect your personal information:

Our technical safeguards include encrypted data transmission, secure password requirements, regular software updates, and monitoring systems to detect unauthorized access attempts. We also maintain strict internal policies governing employee access to personal data.

While we strive to protect your personal information, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and keep your account credentials confidential.

Data Retention Periods

We retain your personal information only as long as necessary for the purposes outlined in this policy:

After the retention period expires, we securely delete or anonymize your personal data. You may request earlier deletion in certain circumstances, subject to our legal obligations.

Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience and analyze website usage. Our cookies fall into these categories:

Essential Cookies: These are necessary for the website to function properly and cannot be disabled. They include session cookies and security tokens.

Analytics Cookies: These help us understand how visitors interact with our website by collecting and reporting information anonymously.

Preference Cookies: These remember your choices and settings to provide a more personalized experience during future visits.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit website functionality.

International Data Transfers

While we primarily process data within South Africa, some of our service providers may be located in other countries. When we transfer your personal data internationally, we ensure appropriate safeguards are in place:

We only work with providers in countries with adequate data protection laws or under specific legal frameworks that ensure your data remains protected to South African standards. All international transfers comply with POPIA requirements and include contractual protections.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes through:

Email notifications to registered users, prominent notices on our website, and updates to the "Last Updated" date at the top of this policy. Continued use of our services after policy updates constitutes acceptance of the revised terms.

We encourage you to review this policy regularly to stay informed about how we protect your personal information.