Privacy Policy

At SA Passive Income, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our investment advisory services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for our services or create an account
• Subscribe to our newsletters or webinars
• Fill out contact forms or request information
• Participate in surveys or promotional activities
• Communicate with us via email, phone, or other channels

This personal information may include:

• Name and contact information (email address, phone number, mailing address)
• Financial information (investment goals, risk tolerance, income level)
• Identification information (ID number, tax number as required by law)
• Professional information (occupation, employer, investment experience)

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and location data
• Browser type and version
• Operating system
• Pages visited and time spent on our website
• Referring website or source
• Device information and screen resolution

2. How We Use Your Information

We use the collected information for various purposes, including:

• Service Provision: To provide investment advisory services, portfolio management, and financial planning
• Communication: To respond to your inquiries, send newsletters, and provide updates about our services
• Personalization: To customize our services and recommendations based on your investment goals and preferences
• Legal Compliance: To comply with applicable laws, regulations, and industry standards
• Security: To protect against fraud, unauthorized access, and other security threats
• Marketing: To send promotional materials and information about our services (with your consent)
• Analytics: To analyze website usage and improve our services and user experience

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, including:

• Investment platforms and brokerage firms
• Technology service providers and hosting companies
• Payment processors and financial institutions
• Marketing and analytics service providers
• Legal and accounting professionals

Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Requests from regulatory authorities such as FSCA or SARS
• Law enforcement investigations
• Protection of our rights, property, or safety

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data during transmission and storage
• Secure servers and firewalls
• Regular security audits and assessments
• Access controls and authentication procedures
• Employee training on data protection and confidentiality

However, please note that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Your Rights and Choices

Under South African data protection laws, including the Protection of Personal Information Act (POPIA), you have certain rights regarding your personal information:

Access and Correction

• Request access to your personal information we hold
• Request correction of inaccurate or incomplete information
• Update your contact preferences and communication settings

Data Portability and Deletion

• Request a copy of your personal information in a portable format
• Request deletion of your personal information (subject to legal retention requirements)
• Object to certain processing activities

Marketing Communications

• Opt-out of marketing emails by clicking the unsubscribe link
• Adjust your communication preferences in your account settings
• Contact us directly to update your preferences

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect usage analytics. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Provide personalized content and recommendations
• Improve website functionality and performance

You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website.

7. Third-Party Links

Our website may contain links to third-party websites and services. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

9. International Data Transfers

We primarily store and process your personal information within South Africa. However, some of our service providers may be located in other countries. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data.

10. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the type of information and applicable legal requirements.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

12. Compliance with South African Laws

Our privacy practices comply with South African data protection laws, including:

• Protection of Personal Information Act (POPIA)
• Financial Intelligence Centre Act (FICA)
• Financial Advisory and Intermediary Services Act (FAIS)
• Other applicable financial services regulations