Privacy Policy

Introduction

MoneyIdeas.co.za ("we", "our", "us") is committed to protecting your privacy and personal information. This policy explains how we collect, use, store, and protect your data when you visit our website or use our services.

This policy is drafted in accordance with the Protection of Personal Information Act, 2013 (POPIA) and the Electronic Communications and Transactions Act, 2002 (ECTA) of South Africa.

POPIA compliance

As a responsible party under POPIA, we process personal information lawfully, in a reasonable manner, and only for the purposes for which it was collected. We adhere to the following conditions for lawful processing:

• Accountability: We take responsibility for personal information in our possession.
• Processing limitation: We collect only what is necessary and with your consent.
• Purpose specification: We collect information for specific, defined purposes.
• Further processing limitation: We do not use your data for unrelated purposes.
• Information quality: We take steps to ensure personal data is accurate and complete.
• Openness: We are transparent about what data we collect and why.
• Security safeguards: We protect data against loss, damage, or unauthorized access.
• Data subject participation: You have the right to access and correct your data.

Information we collect

We may collect the following types of information:

Information you provide

• Name and email address when you subscribe to our newsletter or submit a contact form
• Message content and subject when you use our contact form
• Any other information you voluntarily provide to us

Information collected automatically

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see our Cookie section below)

How we use your information

We use collected information for the following purposes:

• To deliver and improve our website, tools, and content
• To send newsletter emails you have subscribed to
• To respond to your enquiries via our contact form
• To analyse website traffic and usage patterns
• To detect and prevent security threats or fraud
• To comply with legal obligations

Cookies and tracking

We use cookies and similar technologies to improve your browsing experience, analyse site traffic, and understand how visitors interact with our content. Types of cookies we use:

• Essential cookies: Required for the website to function properly
• Analytics cookies: Help us understand how visitors use the site (e.g., Google Analytics)
• Advertising cookies: Used by advertising partners to serve relevant ads

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

Third-party sharing

We do not sell your personal information to third parties. We may share limited data with:

• Analytics providers (e.g., Google Analytics) for website performance analysis
• Email service providers for newsletter delivery
• Advertising partners for relevant ad delivery
• Law enforcement or regulatory bodies when required by law

All third-party service providers are required to protect your information and use it only for the purposes we specify.

Data retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Newsletter subscriber data is retained until you unsubscribe. Contact form submissions are retained for 12 months unless a longer period is required for legal purposes.

Your rights

Under POPIA, you have the right to:

• Request access to the personal information we hold about you
• Request correction or deletion of your personal information
• Object to the processing of your personal information
• Withdraw consent for processing where consent was the basis for processing
• Lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, contact us at privacy@moneyideas.co.za.

Security measures

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These include encrypted connections (HTTPS), secure hosting infrastructure, and restricted access to personal data.

Children's privacy

Our website is not directed at children under the age of 18. We do not knowingly collect personal information from minors. If you believe a child has provided us with personal information, please contact us so we can remove it.

Changes to this policy

We may update this privacy policy from time to time. Changes will be posted on this page with a revised "last updated" date. We encourage you to review this policy periodically.

Contact us

For any privacy-related enquiries or to exercise your data rights, contact us:

• Email: privacy@moneyideas.co.za
• Contact form: moneyideas.co.za/contact

You may also contact the Information Regulator (South Africa) if you believe your privacy rights have been infringed: inforegulator.org.za