Introduction

celorivasta operates as a comprehensive financial education platform, helping individuals understand investment terminology and financial concepts. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our services through celorivasta.com.

We're committed to transparency about our data practices and ensuring you understand your rights regarding your personal information. This policy complies with South African data protection laws, including the Protection of Personal Information Act (POPIA).

Information We Collect

How We Use Your Information

• Provide personalized financial education content and track your learning progress
• Send you course updates, educational newsletters, and important platform announcements
• Respond to your inquiries and provide customer support
• Improve our platform functionality and develop new educational features
• Comply with legal obligations and protect against fraudulent activities
• Generate anonymous analytics to understand user engagement patterns

Your Privacy Rights

Under South African law, you have specific rights regarding your personal information:

To exercise these rights, contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days.

Data Security Measures

We implement comprehensive security measures to protect your personal information:

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments of our systems
• Access controls ensuring only authorized personnel can view personal data
• Secure data centers with physical security measures and environmental controls
• Regular backup procedures with encrypted storage of backup data
• Staff training on data protection principles and security best practices

While we take every reasonable precaution, no internet transmission is completely secure. We encourage you to use strong passwords and log out of your account when using shared computers.

Data Sharing and Third Parties

Service Providers

We work with trusted third-party service providers who help us operate our platform, including email delivery services, cloud hosting providers, and analytics tools. These providers are contractually bound to protect your data and can only use it for specified purposes.

Legal Requirements

We may disclose your information when required by South African law, court order, or legal process. We'll notify you of such requests unless legally prohibited from doing so.

Business Transfers

If celorivasta undergoes a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction. You'll be notified of any such change in ownership or control.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations:

• Account information: Retained while your account is active, plus 3 years after closure
• Learning progress data: Kept for 5 years to support continued education and skill development
• Communication records: Stored for 2 years for customer service purposes
• Technical logs: Automatically deleted after 12 months unless needed for security purposes

You can request earlier deletion of your data by contacting us directly. Some information may need to be retained longer due to legal requirements or legitimate business interests.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and gather usage analytics. We use:

• Essential cookies that enable basic website functionality
• Analytics cookies to understand how visitors use our platform
• Preference cookies to remember your settings and personalization choices

You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality.

Children's Privacy

Our services are designed for adults seeking financial education. We don't knowingly collect personal information from individuals under 18 years of age. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete such information.

International Data Transfers

Your personal information may be processed in countries other than South Africa, including countries that may have different data protection laws. When we transfer data internationally, we ensure appropriate safeguards are in place, including standard contractual clauses approved by relevant authorities.

Policy Updates

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The effective date at the top of this page indicates when the policy was last updated.