Privacy Policy

Primary Uses

• Provide personalized investment education and guidance based on your financial goals and risk tolerance
• Create and maintain your user account, including authentication and security features
• Send educational content, market updates, and relevant financial information
• Respond to your inquiries, support requests, and provide customer service
• Analyze usage patterns to improve our website functionality and user experience
• Conduct research and analytics to enhance our educational content and services

Legal and Security Uses

We may also use your information to:

• Comply with legal obligations and regulatory requirements in South Africa
• Protect against fraud, unauthorized access, and other security threats
• Enforce our terms of service and other agreements
• Resolve disputes and investigate potential violations of our policies

Service Providers

We work with trusted third-party service providers who assist us in operating our business. These providers are contractually obligated to protect your information and use it only for specified purposes:

• Cloud hosting and data storage services
• Email marketing and communication platforms
• Analytics and website optimization tools
• Payment processing and financial services
• Customer support and help desk systems

Legal Requirements

We may disclose your information when required by law or when we believe in good faith that such disclosure is necessary to:

• Comply with legal processes, court orders, or government requests
• Protect the rights, property, or safety of vionkyonline, our users, or others
• Investigate or prevent fraud, security breaches, or illegal activities
• Enforce our terms of service or other agreements

Technical Safeguards

• SSL/TLS encryption for all data transmission
• Secure server infrastructure with regular updates and monitoring
• Multi-factor authentication for account access
• Regular security assessments and penetration testing
• Encrypted data storage with access controls

Administrative Safeguards

• Limited access to personal information on a need-to-know basis
• Employee training on data protection and privacy practices
• Regular review and update of security policies
• Incident response procedures for potential data breaches

Access and Correction

• Access: You can request a copy of the personal information we hold about you
• Correction: You can update or correct inaccurate information in your account
• Deletion: You can request deletion of your personal information, subject to legal requirements
• Portability: You can request your data in a portable format

Communication Preferences

You can control how we communicate with you:

• Opt out of marketing emails by clicking the unsubscribe link
• Adjust notification preferences in your account settings
• Contact us directly to modify your communication preferences

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may need to verify your identity before processing certain requests.

Retention Periods

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy:

• Account Information: Retained while your account is active and for 7 years after closure
• Financial Data: Retained for 7 years to comply with financial regulations
• Communications: Retained for 3 years for support and quality purposes
• Marketing Data: Retained until you opt out or for 2 years of inactivity

International Data Transfers

As we operate in South Africa, your information is primarily processed within the country. However, some of our service providers may be located outside South Africa. When we transfer your information internationally, we ensure appropriate safeguards are in place, including:

• Contractual data protection clauses with service providers
• Ensuring adequate levels of data protection in destination countries
• Implementing additional security measures for cross-border transfers

Types of Cookies We Use

Managing Cookies

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. Most browsers allow you to:

• View and delete cookies
• Block cookies from specific websites
• Block third-party cookies
• Clear all cookies when closing the browser

Parental Rights

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will work with you to:

• Verify the child's age and parental relationship
• Delete any collected information about the child
• Prevent further collection of information