Privacy Policy

How we protect your personal information

Introduction

This Privacy Policy explains how FinWiseConsulting ("we," "us," or "our") collects, uses, and protects your personal information when you use our website or services. We are committed to protecting your privacy and ensuring that your personal information is handled in accordance with the Protection of Personal Information Act (POPIA) of South Africa and other applicable data protection laws.

By using our website or services, you consent to the practices described in this Privacy Policy. Please read this policy carefully to understand our practices regarding your personal information.

Information We Collect

We may collect the following types of personal information:

  • Contact Information: Name, email address, phone number, and postal address.
  • Identification Information: ID number, passport number, or other identification details required for financial services compliance.
  • Financial Information: Information about your financial situation, goals, and needs that you provide to us for consultation purposes.
  • Technical Information: IP address, browser type, device information, pages visited, and other usage data when you browse our website.
  • Communication Records: Records of our communications with you, including emails, phone calls, and in-person meetings.

How We Collect Information

We collect personal information through various channels, including:

  • Forms on our website
  • Email or telephone communications
  • In-person consultations
  • Cookies and similar technologies on our website
  • Third-party service providers (with your consent)

How We Use Your Information

We use your personal information for the following purposes:

  • To provide financial literacy consulting services
  • To respond to your inquiries and requests
  • To communicate with you about our services
  • To improve our website and services
  • To comply with legal and regulatory requirements
  • To prevent fraud and protect our legitimate business interests
  • For other purposes with your consent

Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds:

  • Consent: Where you have given clear consent for us to process your personal information for a specific purpose.
  • Contract: Where processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
  • Legal Obligation: Where processing is necessary for compliance with a legal or regulatory obligation that applies to us.
  • Legitimate Interests: Where processing is necessary for our legitimate interests or the legitimate interests of a third party, except where such interests are overridden by your interests or fundamental rights and freedoms.

Data Sharing and Disclosure

We may share your personal information with:

  • Service Providers: Third-party service providers who perform services on our behalf, such as IT service providers, email service providers, and professional advisors.
  • Regulatory Authorities: Government and regulatory authorities, such as the Financial Sector Conduct Authority (FSCA), when required by law.
  • Business Partners: With your consent, we may share your information with trusted business partners to offer you relevant products and services.
  • Legal Requirements: When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

We do not sell your personal information to third parties.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, accidental loss, alteration, disclosure, or destruction. While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure, and applicable legal requirements.

Your Rights

Under South African data protection law, you have the following rights regarding your personal information:

  • Access: You have the right to request access to your personal information that we hold.
  • Correction: You have the right to request correction of your personal information if it is inaccurate or incomplete.
  • Erasure: In certain circumstances, you have the right to request the deletion of your personal information.
  • Restriction: You have the right to request that we restrict the processing of your personal information in certain circumstances.
  • Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format.
  • Objection: You have the right to object to the processing of your personal information in certain circumstances.
  • Withdraw Consent: Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided at the end of this policy.

Cookies and Similar Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. For more information about how we use cookies, please see our Cookie Policy.

Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to delete such information.

International Data Transfers

We primarily store and process your personal information in South Africa. However, some of our service providers may be located in other countries. When we transfer your personal information outside of South Africa, we ensure that appropriate safeguards are in place to protect your information in accordance with POPIA and other applicable data protection laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

FinWiseConsulting
1 Cwangco Cres, Philippi
Cape Town, 7785
South Africa

Email: [email protected]
Phone: +27 10 634 2415

Information Regulator (South Africa)

You have the right to lodge a complaint with the Information Regulator if you believe that we have not complied with the requirements of POPIA regarding the protection of your personal information. The Information Regulator's contact details are:

The Information Regulator (South Africa)
JD House, 27 Stiemens Street
Braamfontein, Johannesburg, 2001
Email: [email protected]

Last Updated: March 23, 2025