Privacy Policy

Information We Collect

We collect various types of information to provide you with effective financial planning services. This includes information you provide directly to us and information we gather automatically through your use of our website and services. All data collection is done in accordance with South African privacy regulations and industry standards.

• Personal identification details including name, contact information, and government identification numbers
• Financial information such as income, assets, liabilities, and investment history
• Professional details including employment status, occupation, and business information
• Website usage data, IP addresses, and device information for service improvement

How We Use Your Information

Your personal information is used exclusively for providing financial planning services and improving our offerings. We do not sell your personal data to third parties. All usage complies with professional standards and regulatory requirements for financial service providers in South Africa.

• Providing personalized financial planning consultations and investment advice
• Communicating with you about your financial plan and our services
• Complying with legal and regulatory requirements in the financial services industry
• Improving our services and website functionality based on user feedback and analytics

Data Protection and Security

We implement robust security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our systems use encryption, secure servers, and regular security updates. Access to your information is restricted to authorized personnel who require it for service delivery. We regularly review and update our security practices to maintain the highest standards of data protection.

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and provide personalized content. Cookies help us understand how you use our site and improve our services. You can control cookie settings through your browser preferences.

You have the right to accept or decline cookies and can modify your browser settings accordingly.

Third-Party Services

We may share your information with trusted third-party service providers who assist in delivering our financial planning services. This includes payment processors, professional advisors, and technology service providers. All third parties are bound by confidentiality agreements and must comply with applicable privacy laws. We do not authorize these parties to use your personal information for purposes other than providing services to us.

Your Privacy Rights

Under South African privacy law, you have several rights regarding your personal information. We are committed to honoring these rights and will respond to requests within the timeframes required by law.

• Access your personal information and request copies of data we hold about you
• Correct inaccurate or incomplete personal information in our records
• Request deletion of your personal information, subject to legal and regulatory requirements
• Object to certain types of data processing or withdraw consent where applicable

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial records are typically retained for seven years as required by South African financial services regulations. When information is no longer needed, it is securely deleted or anonymized. We regularly review our retention practices to ensure compliance with current regulations.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have inadvertently collected information from a child, we will delete it immediately. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. When we make significant changes, we will notify you through email or a prominent notice on our website. The updated policy will include a new effective date. We encourage you to review this policy regularly to stay informed about how we protect your information.

Contact Information

If you have questions about this privacy policy or wish to exercise your privacy rights, please contact us at privacy@norvalistora.com or call +27 11 269 1715. You can also write to us at 142 Commissioner Street, Johannesburg, Gauteng 2001, South Africa. We will respond to your inquiries within 30 days as required by law.