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PRIVACY POLICY

This Privacy Policy applies to all users of the Wealth@Work Website. Wealth@Work is an initiative of Mokorosi Financial Consulting (Pty) Ltd. 

The purpose of this Privacy Policy is to set out how, why and when Mokorosi Financial Consulting (Pty) Ltd (“MFC”) uses your Personal Information so as to comply with the  Protection of Personal Information Act 4 of 2013 (“POPI”).

It is important that you read this Privacy Policy together with our other terms and conditions, privacy notices or policies we may provide from time to time when we collect or use your Personal Information.

We respect your privacy and take the protection of Personal Information very seriously. We strive to deliver excellent service every time you visit our website, and to do this, we need to use some of your Personal Information. This Privacy Policy describes how we handle the Personal Information we collect about you and/or receive from you. By using this website, you agree to the processing of your Personal Information as set out in this Privacy Policy. 

In this Privacy Policy, the terms  –

  • “Personal Information”, and “process/processing” bear the same meanings as set out in POPI.
  •  “we”, “us” or “our” refers to MFC.
  • “you” and “your” refers to every person that accesses or uses the Wealth@Work website also referred to as a user.
  • “registered user(s)” refers to anyone registered on our website and has provided us with a unique email address and password as well as other Personal Information in order to  subscribe to the website or order goods and services on the website.

WHAT PERSONAL INFORMATION WE COLLECT AND PROCESS

MFC processes Personal Information in a manner that is reasonable, adequate, relevant, non-excessive and purpose-specific. In order for users to access and use our Website we collect and process some Personal Information. When you become a registered user, we have to collect and process your Personal Information to render our services to you.

When you register to use our website, we may collect the following Personal Information:

  • name and surname
  • email address
  • physical and postal address
  • gender
  • mobile phone number
  • online identifiers
  • date of birth

Should your Personal Information change or you wish to amend and/or correct this Personal Information you can do this by updating your registered user information in your account profile.

You warrant that the information you have provided is accurate, current, true and correct and that does not impersonate or misrepresent any person or entity or falsely state or otherwise misrepresent your affiliation with anyone or anything.

Information from using our Website

When you access our Website, whether or not you are a registered user, MFC processes some of your Personal Information. Depending on how you access and use our Website, we may receive:

  • log information, through online identifiers, including information on how, when and for how long you use our Website and other services, the content you view and search queries you submit.
  • information about the equipment you use to access or use our Website, including the type of device you are using, how you access our Website, your browser or operating system and your Internet Protocol address.
  • the geographic location from which you accessed our Website, including your device’s global positioning system signal and information about nearby wifi
  • networks and cell towers. We get this information when you use location-enabled services.
  • other information about you from third parties, such as social media.

WHY DO WE PROCESS YOUR PERSONAL INFORMATION?

We process the Personal Information we collect and receive to:

  • identify you;
  • verify your identity;
  • create a user account for you; and/or
  • enter into a contract with you.

As a registered user, we also process your Personal Information in order to:

  • fulfill our contractual obligations to you when you have ordered goods in order for us to deliver those goods and process returns.
  • provide you with information, products or services you request from us.
  • communicate with you regarding our Website and provide you with information, products or services, including billing, customer support, resolving complaints and quality control.
  • notify you about changes to our Website, services and products, terms and conditions, privacy policy or notices, and any other changes that impact our Website, services and products.
  • send you information about initiatives, conferences, products or services that may interest you (unless you have opted out of receiving such information).
  • get feedback from you which we need to develop our products and services.
  • comply with any legal or regulatory obligations such as tax or financial laws.
  • undertake research for statistical purposes. The research and statistics we get from this process do not include your Personal Information and cannot be linked to you, nor can you be identified from these statistics.

RETENTION AND RESTRICTION OF RECORDS

We keep your Personal Information for as long as:

  • we need it to provide our Website, products or services to you.
  • it is required or allowed by law and is in line with our internal retention policies.
  • it is necessary to uphold the contract between you and us.
  • you have agreed to us keeping your Personal Information subject to your request for us to stop processing your Personal Information.

We will retain your Personal Information for as long as is necessary to achieve the purpose for which this information was collected or subsequently processed. If your Personal Information is used for more than one purpose, we will retain it until the purpose with the latest period expires but we will stop using it for the purpose with a shorter period once that period expires.

By accessing and using the Website, you consent to us retaining records of your Personal Information for no longer than may be necessary to achieve the purpose for which the information was initially collected or subsequently processed.

USER TRACKING AND COOKIES

When you access and use our Website we may use various technological tools to improve your experience on our websites through the use of cookies and/or user tracking.

Cookies are small text files placed on the device that you use to access our Website. These files do not contain your Personal Information but allow us to associate you with a particular device. Many websites use cookies and we use cookies to:

  • make our Website more user friendly.
  • personalise your interactions with our Website, tailor our services and Website to your interests and needs, and ensure they work on your device.
  • provide advertising that is relevant to you, limit the number of times you see the same advertisement and measure the effectiveness of the advertisements on our Website  and other websites, based on your online activities such as the websites and apps you use or content you view, and information we have about you.
  • send Opt-In marketing communication if you are not a registered user.

We will not use your Personal Information for any other purpose without your permission.

By accessing and using the Website, you consent to our use of cookies.

OPT OUT FROM DIRECT MARKETING

You have the right to request us not to contact you for purposes of direct marketing by any form of electronic communication such as email notifications by “opting-out” of any direct marketing communications we may send to you.

WHO ELSE GETS TO PROCESS YOUR PERSONAL INFORMATION

We do not sell your Personal Information to third parties for their marketing or any other purposes.

We may provide or make your Personal Information available to:

  • our employees and/or third party service providers in order to enable them to assist us to interact with you via our Website.
  • law enforcement, government officials, fraud detection agencies or other third parties when the disclosure of Personal Information is necessary or appropriate in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability or financial loss, to report or support the investigation into suspected illegal activity.
  • third parties (such as a potential purchaser and its professional advisors) in the event of any reorganisation, merger, consolation, sale, joint venture, or other disposition of any or all of our assets.
  • our service providers (under contract with us) who help with parts of our business operations (fraud prevention, marketing, public relations, technology services etc). 

 SECURING YOUR PERSONAL INFORMATION

MFC employs up to date technology to ensure the confidentiality, integrity and availability of the Personal Information under its care. Measures include:

  • Firewalls;
  • Virus protection software and update protocols;
  • Logical and physical access control;
  • Secure setup of hardware and software making up the IT infrastructure.

Should you disclose your Personal Information to any third party other than MFC, MFC shall not be liable for any loss or damage arising or suffered by you

as a result of the disclosure of such Personal Information to any third party. This is because we do not regulate or control how that third party uses your Personal Information. You should always ensure that you read the privacy policy of any third party.

KNOW YOUR RIGHTS

Having provided adequate proof of your identity, you have the right to:

  • view, correct and/or amend your Personal Information we process. Please note that as a registered user, you can do this through your user account for the Personal Information reflected therein.
  • request a record or description of your Personal Information.  MFC may charge a fee in order to provide you with this record of your Personal Information. Where requests to access and amend your Personal Information are manifestly unfounded, excessive or repetitive MFC may charge an additional administrative fee or refuse the request.
  • request to have your Personal Information corrected, destroyed or deleted. Please note that you can stop being a registered user by cancelling your account. In this instance MFC will only retain your Personal Information subject to any legislative requirement and/or our internal retention policy.
  • us complying with your requests upon receipt unless we have credible reason why we cannot comply.
  • us indicating where, if we cannot agree whether to correct or delete your Personal Information as requested, that a correction or deletion was requested but was not made.
  • inform you if reasonably practicable,  should we change your Personal Information and this has an impact on decisions about you.
  • notify you of the action taken by us because of your request.
  • notify you of unauthorised access to your Personal Information.
  • provide you with reasonable evidence of our compliance with our obligations under this Privacy Policy on reasonable notice and request.
  • Submit a complaint to the Information Regulator.

As a user, you can exercise all your rights as set out above by referring to our process set out in our PAIA Manual. 

HOW TO LODGE A COMPLAINT WITH THE INFORMATION REGULATOR

If you have any complaints about this Privacy Policy or our compliance with this Privacy Policy you can lodge a complaint with the Information Regulator.

The contact details of the Information Regulator are available on its website at: https://justice.gov.za/inforeg/

This version of the Privacy Policy replaces any preceding privacy policy provisions on our website. We may occasionally update this Privacy Policy. When you use our Website the version of the Privacy Policy posted on this page applies to you.