Privacy Policy

Information We Collect

At zoryvithrive, we collect information that helps us provide better credit education services to our South African users. We're transparent about what we collect and why we need it.

• Personal Information: Name, email address, phone number, and South African ID number for identity verification and account creation.
• Financial Information: Credit score data, banking details, and income information to provide personalized credit education recommendations.
• Usage Data: How you interact with our platform, courses completed, time spent on lessons, and progress tracking information.
• Device Information: IP address, browser type, operating system, and device identifiers for security and optimization purposes.
• Communication Data: Records of your interactions with our support team, feedback, and survey responses.

How We Use Your Information

We use your information to provide, improve, and protect our credit education services. Here's exactly what we do with your data:

• Service Delivery: Providing personalized credit education content, tracking your learning progress, and sending course completion certificates.
• Communication: Sending important updates about your account, new educational content, and responding to your questions and support requests.
• Platform Improvement: Analyzing usage patterns to improve our educational content and platform functionality for better user experience.
• Security: Protecting your account from unauthorized access, preventing fraud, and maintaining the integrity of our platform.
• Legal Compliance: Meeting South African financial services regulations and complying with lawful requests from authorities.

Data Sharing and Third Parties

We work with trusted partners to deliver our services, but we maintain strict controls over how your information is shared and used.

• Credit Bureaus: We may share information with South African credit bureaus like TransUnion, Experian, and Compuscan to provide accurate credit reports and scores.
• Service Providers: Cloud hosting providers, payment processors, and analytics services that help us operate our platform securely and efficiently.
• Educational Partners: Accredited financial institutions and educational organizations that help us provide comprehensive credit education content.
• Legal Requirements: Government agencies, courts, or law enforcement when required by South African law or to protect our users' safety.

Your Rights and Control

You have significant control over your personal information. Here are your rights and how to exercise them:

• Access Your Data: Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
• Update Information: Correct or update your personal details through your account settings or by contacting our support team.
• Delete Your Account: Request complete deletion of your account and associated data. Note that some information may be retained for legal compliance.
• Control Communications: Opt out of marketing emails while still receiving important account and security notifications.
• Data Portability: Request your data in a machine-readable format to transfer to another service provider.

Data Security and Protection

We implement multiple layers of security to protect your information from unauthorized access, disclosure, or misuse.

• Encryption: All data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.
• Access Controls: Strict employee access controls with multi-factor authentication and regular security training for all team members.
• Regular Audits: Quarterly security assessments, penetration testing, and compliance audits to identify and address potential vulnerabilities.
• Secure Infrastructure: Enterprise-grade hosting with 24/7 monitoring, automated backups, and disaster recovery procedures.
• Incident Response: Established procedures for detecting, responding to, and notifying users of any security incidents within 72 hours.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements.

• Active Accounts: Personal and usage data is retained while your account remains active and for 12 months after your last login.
• Financial Records: Credit-related information is retained for 7 years to comply with South African financial services regulations.
• Communication Records: Support conversations and email communications are kept for 3 years for quality assurance and dispute resolution.
• Marketing Data: Marketing preferences and communication history are deleted within 2 years of account closure or opt-out.
• Legal Holds: Information may be retained longer if required by ongoing legal proceedings or regulatory investigations.

Cookies and Tracking

We use cookies and similar technologies to improve your experience and understand how you use our platform.

• Essential Cookies: Required for basic platform functionality, security, and maintaining your login session.
• Analytics Cookies: Help us understand user behavior, popular content, and platform performance to improve our services.
• Preference Cookies: Remember your settings, language preferences, and personalization choices.
• Cookie Management: You can control cookie settings through your browser, though this may affect some platform functionality.

Children's Privacy

Our services are designed for adults and we do not knowingly collect information from individuals under 18 years of age. If you're under 18, please do not use our platform or provide any personal information.

If we discover that we have collected information from someone under 18, we will delete that information immediately. Parents or guardians who believe their child has provided information to us should contact us at the information provided below.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we will notify you through email or a prominent notice on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.