Privacy Policy

Information We Collect

When you interact with anqelovintharo's seasonal financial planning platform, we collect several types of information to provide you with personalized financial guidance and educational resources. This includes information you voluntarily provide when creating an account, such as your name, email address, phone number, and basic demographic details.

We also gather financial information relevant to seasonal planning – your income patterns, expense categories, seasonal spending habits, and financial goals. This data helps our platform provide tailored advice for managing finances during different times of the year, whether you're planning for holiday expenses or preparing for seasonal income fluctuations.

• Personal identification information including full name, email address, and contact details
• Financial data such as income ranges, expense categories, and budget preferences
• Usage data showing how you navigate our platform and which features you access
• Device information including IP address, browser type, and operating system
• Location data (with your consent) to provide region-specific financial advice

How We Use Your Information

Your information serves specific purposes related to seasonal financial planning education and platform functionality. We analyze spending patterns to suggest seasonal budgeting strategies, recommend relevant educational content, and customize your learning experience based on your financial goals.

Information Sharing and Disclosure

anqelovintharo does not sell your personal information to third parties. We maintain strict controls over who can access your data and under what circumstances. Any sharing occurs only with your explicit consent or when required by South African law.

Your Privacy Rights

Under South African privacy legislation, you have several rights regarding your personal information. You can request access to all data we hold about you, ask for corrections to inaccurate information, or request deletion of your account and associated data.

You also have the right to data portability – meaning you can request a copy of your information in a commonly used format if you decide to move to another platform. Additionally, you can object to certain types of processing or request that we restrict how we use your information.

• Access your personal data and understand how it's being processed
• Correct inaccurate or outdated information in your profile
• Delete your account and request removal of associated data
• Port your data to another service in a machine-readable format
• Withdraw consent for optional data processing activities
• Object to direct marketing communications (while maintaining educational updates)

Data Security and Protection

We implement multiple layers of security to protect your information. All data transmission occurs over encrypted connections, and we store your information on secure servers with restricted access. Our team receives regular training on privacy practices and data handling procedures.

We conduct regular security audits and maintain incident response procedures. In the unlikely event of a data breach, we'll notify affected users within 72 hours and take immediate steps to secure the affected systems and prevent further unauthorized access.

Cookies and Tracking

Our platform uses cookies to enhance your experience and understand how you interact with our educational content. Essential cookies are necessary for basic platform functionality, while optional cookies help us improve our services and provide personalized recommendations.

You can control cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may limit some platform features, but won't prevent you from accessing core educational content and tools.

Data Retention

We retain your personal information for as long as your account remains active or as needed to provide services. Account information and learning progress are typically retained for three years after account closure to allow for potential reactivation.

Financial planning data and course progress may be retained longer in anonymized form for research and platform improvement purposes. Marketing communications data is deleted within one year of unsubscribing from our newsletters.

International Data Transfers

While anqelovintharo operates primarily within South Africa, some of our service providers may be located internationally. When we transfer data outside South Africa, we ensure appropriate safeguards are in place through standard contractual clauses or adequacy decisions.

We maintain data processing agreements with all international service providers that include privacy protections equivalent to South African standards. You have the right to request information about any international transfers affecting your data.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or prominent platform notices at least 30 days before the changes take effect.

Minor updates, such as clarifications or formatting changes, may be made without advance notice. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

This Privacy Policy is effective as of January 15, 2025