Information Collection and Use

moravianthos collects personal information when you register for our financial accountability services, subscribe to our newsletters, or interact with our platform. We gather data including your name, email address, phone number, and financial goals to provide personalized guidance and support.

Types of Information We Collect:

• Personal identification details (name, surname, identification numbers)
• Contact information (email, phone, postal address)
• Financial accountability preferences and goals
• Usage data and platform interaction patterns
• Communication records with our support team

We collect this information through various means including direct submission through forms, automatic data collection during platform usage, and through communication channels. All data collection follows transparent practices with clear consent mechanisms.

Purpose of Data Processing

Your personal information helps us deliver tailored financial accountability services, send relevant educational content, process service requests, and maintain platform security. We also use aggregated data to improve our services and develop new features that benefit our community.

Data processing occurs within South Africa's borders whenever possible, ensuring compliance with local regulations and providing additional security for your personal information. International transfers, when necessary, follow strict adequacy requirements.

Data Retention Periods

We retain your personal information for as long as your account remains active or as needed to provide services. After account closure, we maintain certain records for seven years as required by South African financial services regulations, then securely delete all personal data.

Marketing communications data is retained until you unsubscribe or request deletion. Technical logs and security data are typically retained for 24 months to ensure platform integrity and investigate potential security incidents.

Your Rights Under POPIA

As a South African resident, you have specific rights regarding your personal information. You can request access to your data, correction of inaccuracies, deletion of unnecessary information, and restriction of processing activities. These rights can be exercised by contacting our privacy team directly.

• Right to access your personal information and processing activities
• Right to correct inaccurate or incomplete data
• Right to delete personal information when no longer necessary
• Right to object to direct marketing communications
• Right to data portability for information you provided
• Right to lodge complaints with the Information Regulator

We respond to rights requests within 30 days and provide clear explanations when requests cannot be fulfilled due to legal obligations or legitimate business interests. Our privacy team works diligently to ensure your rights are respected while maintaining service quality.

Data Sharing and Third Parties

moravianthos does not sell personal information to third parties. We share data only with trusted service providers who assist in delivering our services, such as cloud hosting providers, payment processors, and communication platforms. All third-party arrangements include strict confidentiality agreements and data protection requirements.

When working with international service providers, we ensure appropriate safeguards are in place through standard contractual clauses and adequacy decisions. Regular audits verify that third parties maintain the same high standards of data protection we require internally.

Security Measures

We implement comprehensive security measures including encryption, access controls, regular security assessments, and staff training programs. Our technical infrastructure follows industry best practices for financial services, with particular attention to preventing unauthorized access and data breaches.

Despite our robust security measures, no system is completely secure. We maintain incident response procedures and will notify affected individuals and regulatory authorities promptly if a data breach occurs that poses risks to personal information.

International Data Transfers

While we primarily process data within South Africa, some services require international transfers to countries with adequate data protection standards. We evaluate each transfer carefully and implement additional safeguards when necessary to protect your privacy rights.

All international transfers comply with Chapter 9 of POPIA and include appropriate legal mechanisms such as binding corporate rules or standard contractual clauses approved by data protection authorities.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze platform usage, and provide personalized content. You can control cookie settings through your browser, though some functionality may be limited if essential cookies are disabled.

• Essential cookies for platform functionality and security
• Analytics cookies to understand user behavior and improve services
• Preference cookies to remember your settings and choices
• Marketing cookies for relevant content and communication

Children's Privacy

Our services are designed for adults aged 18 and older. We do not knowingly collect personal information from minors without appropriate parental consent. If we discover that personal information from someone under 18 has been collected, we take immediate steps to delete this information.

Policy Updates

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or industry standards. Significant changes will be communicated through email notifications and prominent website notices, giving you time to review modifications before they take effect.

We encourage you to review this policy periodically to stay informed about how we protect your personal information. The date at the top of this document indicates when the policy was last updated.