Privacy Policy

At Wisdomzilvorythune, we understand that building your investment strategy requires trust. This privacy policy explains how we collect, use, protect, and share your personal information when you use our platform at wisdomzilvorythune.com. We're committed to being transparent about our data practices and giving you control over your information.

This policy applies to all users of our investment strategy platform, whether you're browsing our website, creating an account, or using our financial planning tools. By using Wisdomzilvorythune, you agree to the collection and use of information in accordance with this policy.

We collect information that helps us provide you with tailored investment strategies and improve your experience on our platform. Here's what we gather and why:

We collect this information through various means: directly from you when you fill out forms, automatically through cookies and tracking technologies, and from third-party sources like market data providers when you connect external accounts.

Your financial information is particularly sensitive, and we only collect what's necessary to provide personalized investment recommendations. This includes your investment timeline, financial goals, current assets, and risk preferences.

Your information helps us deliver personalized investment strategies and maintain a secure platform. Here's specifically how we use different types of data:

• Investment Strategy Development: We analyze your financial goals, risk tolerance, and investment timeline to create customized portfolio recommendations
• Account Management: We use your contact information to send important updates about your account, market changes, and platform improvements
• Security and Fraud Prevention: We monitor usage patterns to detect unusual activity and protect your account from unauthorized access
• Platform Improvement: We analyze how users interact with our tools to identify areas for enhancement and develop new features
• Communication: We send educational content, market insights, and service updates that align with your investment interests
• Compliance: We maintain records as required by South African financial regulations and tax reporting requirements

We never use your information for purposes beyond what's described here without your explicit consent. Your data isn't used for advertising to third parties or sold to marketing companies.

We share your information only when necessary to provide our services or when required by law. Here's who we might share data with and why:

• Financial Institutions: When you choose to connect bank accounts or investment platforms, we share necessary information to facilitate these connections
• Regulatory Bodies: We may share information with South African financial authorities when required by law or regulation
• Legal Requirements: We disclose information when required by court orders, legal processes, or to protect our rights and users' safety
• Business Transfers: In the event of a merger or acquisition, your information may be transferred to the new entity under the same privacy protections

We never sell your personal information to third parties. Any data sharing is governed by strict contracts that require the same level of privacy protection we provide.

You have significant control over your personal information. Under South African privacy laws and our commitment to transparency, you can exercise these rights:

To exercise any of these rights, contact us using the information below. We'll respond within 30 days and verify your identity before processing requests. Some requests may take longer if they're complex or numerous.

Protecting your financial information is our top priority. We implement multiple layers of security to keep your data safe:

• Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption standards
• Access Controls: Employee access to your data is limited to those who need it for their job functions and is regularly audited
• Secure Infrastructure: Our systems are hosted on secure, regularly updated servers with 24/7 monitoring
• Regular Security Audits: We conduct quarterly security assessments and penetration testing
• Multi-Factor Authentication: We require additional verification steps for sensitive account changes
• Data Backup: Regular backups ensure your information is protected against data loss

In the unlikely event of a security breach affecting your personal information, we'll notify you within 72 hours and provide clear information about what happened and what steps we're taking.

We keep your information only as long as necessary to provide our services and comply with legal requirements. Here's our approach to data retention:

• Active Accounts: We retain your data while your account is active and you're using our services
• Inactive Accounts: After 2 years of inactivity, we'll contact you about account closure and data deletion
• Closed Accounts: Most personal data is deleted within 90 days of account closure
• Legal Requirements: Some financial records must be kept for 7 years as required by South African law
• Marketing Data: Communication preferences and marketing data are deleted immediately upon unsubscription
• Technical Logs: Server logs and technical data are automatically deleted after 12 months

You can request immediate deletion of your account and associated data at any time. We'll honor these requests within 30 days, except for information we're legally required to retain.

When we delete your data, it's removed from our active systems and backups within 90 days. Some residual data may remain in our backup systems for up to one year for disaster recovery purposes only.

While Wisdomzilvorythune is based in South Africa, some of our service providers operate internationally. When we transfer your data outside South Africa, we ensure it receives the same level of protection:

• Adequacy Decisions: We prioritize transfers to countries with privacy laws equivalent to South Africa's
• Contractual Safeguards: International partners must sign agreements ensuring your data protection rights
• Data Processing Agreements: All third-party processors commit to the same privacy standards we maintain
• Regular Audits: We monitor international partners to ensure ongoing compliance with privacy requirements

Most of your data remains within South Africa's borders. International transfers are limited to essential services like cloud backup and fraud prevention, always with appropriate safeguards in place.

We use cookies and similar technologies to improve your experience and understand how our platform is used. Here's what we use and why:

• Essential Cookies: Required for basic platform functionality, including login sessions and security features
• Performance Cookies: Help us understand which features are most valuable and identify areas for improvement
• Preference Cookies: Remember your settings and personalization choices
• Analytics Cookies: Provide insights into user behavior to help us enhance our services

You can control cookie settings through your browser, though disabling certain cookies may limit platform functionality. We don't use cookies for advertising or sharing data with marketing companies.

Our cookie policy is available separately and provides detailed information about each type of cookie we use and how to manage your preferences.

Wisdomzilvorythune's investment platform is designed for adults and we don't knowingly collect information from children under 18. Our services require users to be of legal age to enter into financial agreements.

If we discover that we've collected information from a child under 18, we'll delete it immediately. Parents who believe their child has provided information to us should contact us using the details below.

We encourage parents to monitor their children's internet usage and to help enforce our policy by instructing their children never to provide information on our platform without permission.

We may update this privacy policy to reflect changes in our practices, technology, legal requirements, or other factors. Here's how we handle policy changes:

• Notification: We'll email you about significant changes at least 30 days before they take effect
• Website Updates: The current policy is always available on our website with the last updated date
• Continued Use: Using our platform after policy changes indicates acceptance of the updated terms
• Objection Rights: If you disagree with changes, you can close your account before they take effect

We recommend reviewing this policy periodically to stay informed about how we protect your information. Major changes will be prominently displayed when you log into your account.