Privacy Policy

Privacy Policy
1. This Privacy Policy relates to your use of the website located at https://financestudio.co.za (“Website”). You will be required to accept any changes to this Privacy Policy before accessing the Website, and any updates or changes to this Privacy Policy will be noted on the Privacy Policy itself.
2. You will not be required to register or create a profile to access the Website.
3. This Privacy Policy shall operate in addition to the Privacy Statement located here. As such, by virtue of your consenting to this Privacy Policy, it shall be regarded as your consent to the Privacy Statement.To the extent that a conflict exists between the two, the Privacy Statement shall override this Privacy Policy to the extent of any inconsistency.
4. For the purposes of this section, Personal Information will be understood in accordance with the definition provided in the Protection of Personal Information Act 4 of 2013 (“the Act”). Finance Studio also subscribes to the principles for electronically collecting personal information outlined in the Act, and the further legislation referred to the rein. We endeavour to ensure the quality, accuracy and confidentiality of Personal Information in our possession.
5. In adopting this Privacy Policy, we wish to balance our legitimate business interests and your reasonable expectation of privacy. Accordingly, we will take all reasonable steps to prevent unauthorised access to, or disclosure of your Personal Information.
6. When making use of the Website, users maybe asked to provide the following information (Personal Information):
  1. First name;
  2. Surname;
  3. Email address;
  4. Phone number; and/or
  5. Company information.
7. Failure to provide the Personal Information may mean that we will beunable to provide our services to you, and as such, is mandatory to the extent that you would like to contact us through the Website or haveus contact you.
8. We will attempt to limit the types of Personal Information we process to only that to which you consent to (for example, in the context of online registration, newsletters, message boards, surveys, polls,professional announcements, SMS, MMS and other mobile services),but, to the extent necessary, your agreement to these this Privacy Policy constitutes your consent as contemplated in section 69 of the Act.
9. We will not collect, use or disclose sensitive information (such as information about racial or ethnic origins or political or religious beliefs, where relevant) except with your specific consent or in the circumstances permitted by law.
10. By agreeing to the terms contained in this Privacy Policy, you consent to the use of your Personal Information in relation to the following purposes:
  1. Contacting you and providing you with information relating to the services of Finance Studio;
  2. The provision and performance of the services;
  3. Marketing and email campaigns;
  4. Informing you of changes made to the Website;
  5. Responding to any queries or requests you may have;
  6. Developing a more direct and substantial relationship withusers for the purposes described in this clause;
  7. Understanding general user trends and patterns so that we candevelop and support existing and ongoing marketing strategies;
  8. For security, administrative and legal purposes; and
  9. The creation and development of market data profiles which may provide insight into market norms, practices and trends to help us improve our offering to you. Such information will be compiled and retained in aggregated form, but shall not beused in any way which may comprise the identity of a user.
11. You hereby consent to the sharing of your Personal Information with the following categories of third parties:
  1. Media, marketing and bulk communications service providers;
  2. Website analytics services providers;
  3. Tax regulatory authorities (South Africa and United Kingdom)
  4. Companies’ regulatory bodies and commissions (South Africa and United Kingdom); and/or
  5. Government departments, including the Department of Employment and Labour (Government of South Africa and United Kingdom).
12. The Personal Information may also be transferred or stored outside of South Africa, in the United Kingdom or United Arab Emirates.
13. Although absolute security cannot be guaranteed on the internet, Finance Studio has in place up-to-date, reasonable technical and organisational security measures to protect your Personal Information against accidental or intentional manipulation, loss, misuse, destruction or against unauthorised disclosure or access to the information we process online.
14. While we cannot ensure or warrant the security of any Personal Information you provide us, we will continue to maintain and improve these security measures over time in line with legal and technological developments.
15. We store your Personal Information directly, or alternatively, store your Personal Information on, and transfer your Personal Information to, a central database. If the location of the central database is locatedin a country that does not have substantially similar laws which provide for the protection of Personal Information, we will take the necessary steps to ensure that your Personal Information is adequately protected in that jurisdiction.
16. Your information will not be stored for longer than is necessary for the purposes described in this Privacy Policy or as required by applicable legislation.
17. The Personal Information Finance Studio collects from users shall only be accessed by Finance Studio employees, representatives and consultants on a need-to-know basis, and subject to reasonable confidentiality obligations binding such persons.
18. Finance Studio shall have the right, but shall not be obliged, to monitor or examine any information and materials including any website link that you publish or submit to Finance Studio for publishing on the Site.You shall be solely responsible for the contents of all material published by yourself.
19. We constantly review our systems and data to ensure the best possible service to our users. We do not accept any users, or representatives of users, under 18 years of age or who otherwise does not have the relevant capacity to be bound by this Privacy Policy.
20. We will not sell or rent your Personal Information to any third party or use your e-mail address for unsolicited mail.
21. You shall have the right to access and rectify your Personal Information, object to the processing of their Personal Information if it is being processed unlawfully, and to lodge a complaint with the relevant regulatory authority at complaints.IR@justice.gov.za.
Log Files
1. When you visit the Website, even if you do not create an account, we may collect information, such as your IP address, the name of your ISP(Internet Service Provider), your browser, the website from which you visit us, the pages on our website that you visit and in what sequence,the date and length of your visit, and other information concerning your computer’s operating system, language settings, and broad demographic information. This information is aggregated and anonymous data and does not identify you specifically. However, you acknowledge that this data may be able to be used to identify you if it is aggregated with other Personal Information that you supply to us.This information is not shared with third parties and is used only within Finance Studio on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above, without your explicit permission.
Cookies
1. Finance Studio uses cookies on the Website. A cookie is a small piece of information stored on your computer or smart phone by the web browser. The two types of cookies used on the Website are described below:
  1. “Session cookies”:These are used to maintain a so-called’session state’and only lasts for the duration of your use of the Website. A session cookie expires when you close your browser, or if you have not visited the server for a certain period of time. Session cookies are required for the Platform to function optimally, but are not used in any way to identify you personally.
  2. “Permanent cookies”:These cookies permanently store aunique code on your computer or smart device hard drive in order to identify you as an individual user. No Personal Information is stored in permanent cookies. You can view permanent cookies by looking in the cookies directory of your browser installation. These permanent cookies are not required for the Website to work, but may enhance your browsing experience.
Links from Finance Studio
1. Finance Studio, and the services available through the Website, may contain links to other third party websites, including (without limitation) social media platforms, payment gateways, appointment scheduling and/or live chat platforms (“Third Party Websites”). If you select a link to any Third Party Website, you may be subject to such Third Party Website’s terms and conditions and/or other policies, which are not under the control, nor responsibility, of Finance Studio.
2. Hyperlinks to Third Party Websites are provided “as is”, and FinanceStudio does not necessarily agree with, edit or sponsor the content on Third Party Websites.
3. Finance Studio does not monitor or review the content of any Third Party Website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and we should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of other websites, either.
4. Users should evaluate the security and trust worthiness of any Third Party Website before disclosing any personal information to them. Finance Studio does not accept any responsibility for any loss or damage in whatever manner, how soever caused, resulting from your disclosure to third parties of personal information.
Application Of The Electronic Communications And Transactions Act 25 Of 2002 (“ECT Act”)
1. Data Messages (as defined in the ECT Act) will be deemed to have been received by Finance Studio if and when Finance Studio responds to the Data Messages.
2. Data Messages sent by Finance Studio to a user will be deemed to have been received by such user in terms of the provisions specified insection 23(b) of the ECT Act.
3. Users acknowledge that electronic signatures, encryption and/orauthentication are not required for valid electronic communications between users and Finance Studio.
4. Information to be provided in terms of section 43(1) of the ECT Act:
  1. Users warrant that Data Messages sent to Finance Studio from any electronic device, used by such user, from time to time or owned by such user, were sent and or authorised by such user,personally.
  2. This Website is owned and operated by Finance Studio SA (Pty) Ltd,registration number 2016/454470/07.
5. Responsible party: by Finance Studio SA (Pty) Ltd, registration number 2016/454470/07.
6. Address for service of legal documents: Great Westerford House, 240Main Road, Rondebosch, Cape Town, Western Cape, 7700, SouthAfrica.
7. Contact Number: 083409 8757.
8. Finance Studio – located at https://financestudio.co.za.
9. Email address: chloe@financestudio.co.za and carmen@financestudio.co.za.