Data Protection Declaration

The Business of Money (“we”, “our”, “us”) takes the protection of your personal information very seriously. We design our data processing systems to collect, process, and use only the personal data necessary to enable the rational and economically efficient use of our products and services.

When you visit or use our website www.thebusinessofmoney.co.za, you trust us with your personal information. We understand the importance of this responsibility and work hard to protect your information and put you in control.

This policy explains what information we collect, why we collect it, and how you can update, manage, access, or delete your information.

Our Commitment to Your Privacy

• We recognise your need for appropriate protection and management of personally identifiable information.
• You can browse our website without revealing personal information. We may collect anonymous statistical data.
• We use cookies to provide a better and more personalised experience.
• We store supplied information securely.
• Aggregate statistical data may be shared with advertisers but will never identify you personally.
• We are not responsible for third-party websites linking to or from our site.

Who Does This Policy Apply To?

This policy applies when you:

• Visit our website
• Subscribe to our newsletter
• Submit forms
• Order goods or services
• Engage with our digital platforms

Acceptance and Changes

Acceptance Required

By using our website or requesting our services, you agree to this policy. If you do not agree, please do not use our website.

Legal Capacity

You may use our services if you are 18 years or older or legally capable of entering binding contracts.

Changes to This Policy

We may update this policy from time to time. Changes will be posted on our website. Continued use of the website constitutes acceptance of updates.

What is Personal Information?

Scope

Personal information includes information collected:

• Automatically when you visit our website
• When you register or submit information
• When you subscribe or place an order
• When provided voluntarily

Examples of Personal Information

• Identifying information (name, date of birth, ID number)
• Contact information (email, phone number)
• Address information (physical or postal address)
• Demographic information
• Company name and business address

Sensitive Personal Information

Depending on the services used, we may collect financial information or sensitive demographic information where legally permitted.

Information We Collect

Automatically Through Our Website

• IP address
• Browser type
• Operating system
• Pages visited
• Time spent on pages
• Device information
• Referring websites

On Registration or Submission

We may request your name, email address, and phone number.

Through Subscriptions or Orders

We collect relevant information required to provide requested services.

Cookies

We may place small text files (“cookies”) on your device to:

• Ensure website functionality
• Remember preferences
• Improve performance
• Enable analytics
• Deliver relevant content and advertising

You may disable cookies in your browser settings.

How We Use Your Information

• Provide our services
• Send administrative updates
• Respond to inquiries
• Send newsletters or promotional messages (you may opt out anytime)
• Improve website functionality
• Provide relevant content

Disclosure of Information

• We may share information with service providers assisting us.
• We may disclose information where required by law.
• We will not sell your personal information.
• Aggregate statistical data may be shared with partners.

How We Store and Protect Your Information

Retention

We retain personal information only as long as necessary to fulfil our obligations or comply with legal requirements.

Security

We implement appropriate technical and organisational security measures including secure hosting, firewalls, and access control procedures.

Data Breach Notification

If required by law, we will notify affected individuals and regulators of any data breach.

International Transfers

Your information may be processed outside South Africa where permitted by law.

Your Rights Under POPIA

• Access your personal information
• Request correction or deletion
• Object to processing
• Lodge a complaint with the Information Regulator

Contact Us

The Business of Money
Email: info@thebusinessofmoney.co.za
Website: www.thebusinessofmoney.co.za

Cookie Policy

What Are Cookies?

Cookies are small text files placed on your device when you visit our website.

Why We Use Cookies

• Ensure website functionality
• Improve performance
• Understand audience behaviour
• Enable social sharing
• Deliver relevant advertising

Types of Cookies We Use

• Essential cookies
• Analytics cookies
• Functional cookies
• Advertising cookies
• Social media cookies
• Third-party cookies

Information Collected via Cookies

• IP address
• Operating system
• Device type
• Browser type
• Language
• Date and time of visit
• Referring website
• Browsing behaviour