Privacy Policy
carnoviahub Financial Services
Last updated: January 15, 2025
Information We Collect
At carnoviahub, we collect information that helps us provide better financial services and educational resources. This includes information you provide directly to us, as well as information we gather automatically through your use of our platform.
Personal Information
- Name, email address, and phone number when you create an account
- Financial information necessary for educational assessments and personalized recommendations
- Payment information when you purchase our learning programs or services
- Identity verification documents as required by South African financial regulations
- Communications you send to us, including support requests and feedback
Usage Information
- Pages visited, time spent on our platform, and interaction patterns
- Device information including IP address, browser type, and operating system
- Learning progress and completion rates for educational programs
- Search queries and preferences within our platform
How We Use Your Information
We use the information we collect to provide, maintain, and improve our financial education services. Your data helps us create personalized learning experiences and ensure compliance with financial regulations.
| Purpose | Type of Data | Legal Basis |
|---|---|---|
| Account management and service delivery | Personal and contact information | Contract performance |
| Educational content personalization | Learning progress and preferences | Legitimate business interest |
| Regulatory compliance | Identity and financial information | Legal obligation |
| Communication and support | Contact information and communications | Contract performance |
Data Sharing and Disclosure
We limit data sharing to essential business operations and legal requirements. Your personal information is never sold to third parties for marketing purposes.
We may share your information with trusted service providers who assist us in operating our platform, conducting business, or serving our users, provided they agree to keep this information confidential.
Third-Party Service Providers
- Payment processors for secure transaction handling
- Cloud storage providers for data backup and security
- Analytics services to understand platform usage and improve user experience
- Email service providers for communications and notifications
- Customer support platforms for efficient service delivery
Legal Disclosures
We may disclose your information when required by law, in response to legal processes, or to protect the rights, property, or safety of carnoviahub, our users, or others. This includes compliance with South African financial regulations and reporting requirements.
Your Rights and Choices
You have significant control over your personal information. We respect your privacy rights and provide multiple ways to manage your data and preferences.
Access and Portability
You can request a copy of all personal information we hold about you. We'll provide this information in a commonly used, machine-readable format within 30 days of your request.
Correction and Updates
You can update your personal information at any time through your account settings. If you notice any inaccuracies in your data, please contact us immediately so we can correct them.
Deletion Rights
- Request deletion of your personal information, subject to legal and regulatory requirements
- Close your account and remove associated data
- Withdraw consent for specific data processing activities
- Object to processing based on legitimate interests
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated.
Technical Safeguards
- End-to-end encryption for all data transmission
- Secure server infrastructure with regular security updates
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Automated backup systems with encrypted storage
Organizational Measures
- Limited access to personal data based on job requirements
- Regular staff training on data protection and privacy
- Confidentiality agreements with all employees and contractors
- Incident response procedures for potential data breaches
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account information | Duration of account + 2 years | Service delivery and support |
| Financial transaction records | 7 years | Legal and regulatory compliance |
| Learning progress data | Duration of account + 1 year | Educational continuity |
| Communication records | 3 years | Support and service improvement |
International Data Transfers
While our primary operations are based in South Africa, we may transfer your personal information to other countries for processing by our trusted service providers. We ensure appropriate safeguards are in place for such transfers.
All international data transfers are protected by appropriate safeguards, including standard contractual clauses approved by relevant data protection authorities and adequacy decisions where applicable.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform. These technologies help us understand how you use our services and allow us to improve functionality.
Types of Cookies We Use
- Essential cookies for basic platform functionality
- Analytics cookies to understand usage patterns
- Preference cookies to remember your settings
- Security cookies to protect your account
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our platform.
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We'll notify you of any material changes through email or prominent notices on our platform.
The most current version of this policy will always be available on our website. We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Us About Privacy
Privacy Questions: privacy@carnoviahub.com
General Contact: info@carnoviahub.com
Phone: +27 73 272 4968
Address: Office No 1 Collett Square, 32 York Street
George South, George, 6530, South Africa