Privacy Policy

Introduction

pronaviltoqe operates as a comprehensive finance platform providing educational tools and resources to help individuals better understand financial concepts and develop their financial literacy skills. We recognize that your privacy is important to you, and we're committed to being transparent about how we collect, use, and protect your personal information.

This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of information that applies to our services, including our website at pronaviltoqe.com and any related mobile applications or services we may offer. By using our platform, you agree to the collection and use of information in accordance with this policy.

We operate under South African privacy laws, including the Protection of Personal Information Act (POPIA), and we ensure our practices comply with applicable international privacy standards where we serve users from other jurisdictions.

Information We Collect

We collect several types of information from and about users of our platform. The information we collect helps us provide better educational experiences and personalized content that matches your learning goals.

We also automatically collect certain information when you visit our website, including cookies and similar tracking technologies that help us understand user behavior and improve our services. You can control many of these technologies through your browser settings.

How We Use Your Information

The information we collect serves several important purposes in delivering and improving our financial education services. We process your personal information based on various legal grounds, including your consent, our legitimate business interests, and legal obligations.

We use your information to create and maintain your user account, provide access to educational content, track your learning progress, and customize your experience based on your interests and skill level. This includes sending you relevant course recommendations and updates about new educational materials that align with your learning goals.

Your information also helps us improve our platform by analyzing usage patterns, identifying popular content, and understanding where users need additional support. We may use aggregated, non-personally identifiable information for research purposes and to enhance our educational offerings.

We'll communicate with you about your account, important service updates, educational content that might interest you, and promotional materials – but only if you've opted in to receive marketing communications. You can update your communication preferences at any time through your account settings.

Information Sharing and Disclosure

We take your privacy seriously and do not sell, trade, or rent your personal information to third parties for their marketing purposes. However, there are specific circumstances where we may share certain information to provide our services effectively or meet legal requirements.

We work with trusted service providers who help us operate our platform, process payments, send emails, analyze data, and provide customer support. These partners are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.

If pronaviltoqe becomes involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you via email or prominent notice on our website before your information becomes subject to a different privacy policy.

We may disclose your information when required by law, court order, or government request, or when we believe in good faith that disclosure is necessary to protect our rights, ensure user safety, investigate fraud, or respond to legal processes.

Data Security and Protection

Protecting your personal information is a top priority for us. We've implemented comprehensive security measures designed to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Our technical security measures include encrypted data transmission, secure database storage, regular software updates, and restricted access controls. Only authorized personnel who need access to perform their job functions can view your personal information, and they're bound by strict confidentiality requirements.

We also maintain physical security measures at our facilities and require our service providers to implement appropriate security standards. However, please remember that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

If we become aware of a data security incident that affects your personal information, we'll notify you promptly and take immediate steps to address the situation, including working with relevant authorities as required by law.

Your Privacy Rights

You have several important rights regarding your personal information, and we're committed to helping you exercise these rights easily and effectively.

To exercise any of these rights, please contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may ask you to verify your identity to protect your personal information.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period varies depending on the type of information and the purpose for which we collected it.

Account information and learning progress data are typically retained while your account remains active and for up to two years after account closure, unless you request earlier deletion. Financial transaction records may be kept longer to comply with tax and accounting requirements.

Marketing communication preferences are maintained until you unsubscribe, and technical logs are usually deleted after 12 months unless required for security or legal purposes. We regularly review our data retention practices and delete information that's no longer needed.

International Data Transfers

While pronaviltoqe is based in South Africa, we may transfer your personal information to other countries where our service providers operate. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information.

We use various legal mechanisms for international transfers, including adequacy decisions, standard contractual clauses, and certification schemes. We only work with service providers who can demonstrate adequate data protection standards.

If you're located outside South Africa and use our services, your information may be processed in South Africa or other jurisdictions. By using our platform, you consent to such transfers subject to the protections described in this policy.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We'll post any changes on this page and update the "last modified" date at the top of the policy.

For significant changes that materially affect how we handle your personal information, we'll provide additional notice through email or prominent website notifications. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Your continued use of our services after any changes to this policy constitutes acceptance of those changes. If you disagree with any modifications, please discontinue using our platform and contact us about closing your account.