Privacy Policy
Your privacy matters to us. This comprehensive policy explains how sandraviaonline collects, uses, and protects your personal information when you use our capital allocation platform.
1. Information We Collect
Personal Information
When you register for sandraviaonline's capital allocation platform, we collect information that identifies you personally. This includes your full name, email address, phone number, and residential address. We also collect professional information such as your employment details, income verification documents, and investment experience level to ensure we provide appropriate financial services.
For South African residents, we collect additional information required by local financial regulations, including your South African ID number, tax reference number, and proof of residence documentation. This information helps us comply with FICA (Financial Intelligence Centre Act) requirements and ensures we meet our regulatory obligations.
Financial Information
To provide effective capital allocation services, we collect comprehensive financial information including bank account details, investment portfolio information, risk tolerance assessments, and transaction history. We also gather information about your financial goals, investment timeline, and preferred asset allocation strategies.
| Data Category | Information Collected | Purpose |
|---|---|---|
| Identity Data | Name, ID number, contact details | Account creation and verification |
| Financial Data | Bank details, investment history, income | Service provision and compliance |
| Technical Data | IP address, device info, usage patterns | Platform security and optimization |
Usage and Technical Data
We automatically collect information about how you interact with our platform. This includes your IP address, browser type, device information, pages visited, time spent on different sections, and click patterns. We use cookies and similar technologies to track your preferences and improve your user experience.
2. How We Use Your Information
sandraviaonline uses your personal information primarily to provide our capital allocation services effectively. We analyze your financial profile to recommend appropriate investment strategies, monitor your portfolio performance, and adjust allocations based on market conditions and your changing needs.
Service Delivery: We use your information to execute investment decisions, process transactions, generate performance reports, and provide personalized financial advice. Our algorithms analyze your data to optimize capital allocation across different asset classes and investment vehicles.
Communication and Marketing
We may use your contact information to send you important updates about your investments, market insights, and educational content about capital allocation strategies. You can opt out of marketing communications at any time, but we'll continue sending essential service-related notifications.
3. Information Sharing and Disclosure
sandraviaonline does not sell your personal information to third parties. However, we may share your information with trusted service providers who help us deliver our capital allocation services. These include custodial banks, investment platforms, payment processors, and regulatory bodies as required by South African financial laws.
Third-Party Service Providers
We work with carefully selected partners to provide comprehensive financial services. These may include fund managers, brokerage firms, tax advisors, and technology providers. All third parties are bound by strict confidentiality agreements and are required to maintain the same level of data protection that we provide.
Regulatory Compliance: We may disclose your information to regulatory authorities including the Financial Sector Conduct Authority (FSCA), South African Revenue Service (SARS), and other government agencies as required by law or to protect our legal rights.
Business Transfers
In the event of a merger, acquisition, or sale of sandraviaonline's assets, your personal information may be transferred to the acquiring entity. We will notify you of any such transfer and ensure that your privacy rights are protected under the new ownership.
4. Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information. Our systems use bank-level encryption, multi-factor authentication, and regular security audits to prevent unauthorized access. All data transmissions are encrypted using TLS 1.3 protocol, and we maintain secure data centers with 24/7 monitoring.
Security Measures
Despite our security measures, no system is completely immune to cyber threats. We continuously monitor for suspicious activities and will promptly notify you if we detect any unauthorized access to your account or personal information.
5. Your Privacy Rights
Under South African privacy laws, including the Protection of Personal Information Act (POPIA), you have several rights regarding your personal information. You can request access to the personal data we hold about you, request corrections to inaccurate information, and in certain circumstances, request deletion of your data.
You have the right to request a copy of all personal information we hold about you. This includes your account details, transaction history, communication records, and any automated decision-making data. We will provide this information within 30 days of your request, subject to identity verification.
If you believe any information we hold about you is inaccurate or incomplete, you can request corrections. This is particularly important for financial information as inaccuracies could affect our investment recommendations and your portfolio performance.
You can request that we transfer your personal data to another service provider in a structured, commonly used format. This right applies to information you've provided to us and that we process based on your consent or for contract performance.
Exercising Your Rights
To exercise any of these rights, contact our Privacy Officer at the details provided below. We may need to verify your identity before processing your request to ensure the security of your personal information. Some requests may be subject to legal or regulatory requirements that prevent us from fully complying.
6. Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial records are typically retained for seven years after account closure, as required by South African tax and financial regulations. Marketing data may be retained for shorter periods unless you've provided ongoing consent.
Retention Periods
7. International Data Transfers
Some of our service providers and technology partners are located outside South Africa. When we transfer your data internationally, we ensure appropriate safeguards are in place to protect your privacy rights. This includes using standard contractual clauses, adequacy decisions, and other legally approved transfer mechanisms.
We may process your data in countries including the United Kingdom, European Union member states, and the United States, all of which have been assessed as providing adequate protection for personal data or where we have implemented additional contractual protections.
8. Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance your user experience, analyze usage patterns, and provide personalized services. Essential cookies are necessary for platform functionality, while analytical and marketing cookies help us improve our services and provide relevant content.
Cookie Management: You can control cookie settings through your browser preferences. However, disabling certain cookies may affect platform functionality and your ability to access some features of our capital allocation services.
9. Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. Material changes will be communicated through email notifications and prominent notices on our platform. The updated policy will include the effective date, and continued use of our services constitutes acceptance of the revised terms.
We encourage you to review this policy regularly to stay informed about how we protect your privacy. If you have concerns about any changes, please contact our Privacy Officer to discuss your options.
10. Children's Privacy
sandraviaonline's capital allocation services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information promptly.
11. Automated Decision Making
Our platform uses automated systems to analyze your financial profile and make investment recommendations. These algorithms consider your risk tolerance, investment goals, market conditions, and historical performance data. You have the right to request human review of any automated decisions that significantly affect your investments.
While our algorithms are designed to optimize your capital allocation, you retain full control over your investment decisions. You can override any automated recommendations and adjust your portfolio allocation according to your preferences.
Privacy Contact Information
Privacy Officer: sandraviaonline Privacy Team
Address: 22 St Davids Rd, Selborne, East London, 5201, South Africa
Email: privacy@sandraviaonline.com
Phone: +27 83 570 7670
General Inquiries: info@sandraviaonline.com
For privacy-related concerns or to exercise your privacy rights, please contact our Privacy Officer. We aim to respond to all privacy inquiries within 30 days and will work with you to resolve any concerns about how we handle your personal information.