Privacy Policy

1. Information We Collect

Personal Information You Provide

When you create an account with krelmozaoffice or use our budgeting services, we collect information that you voluntarily provide to us. This includes your name, email address, phone number, and postal address when you register for our learning programs or webinars.

We also collect financial information that you choose to share with us for budgeting purposes, such as income ranges, expense categories, and financial goals. However, we never require you to share specific bank account numbers or sensitive financial credentials.

Information We Collect Automatically

Like most websites, we automatically collect certain information when you visit our site. This includes your IP address, browser type, operating system, referring URLs, and information about your usage patterns on our website.

• Device information (type, operating system, browser)
• Log data (access times, pages viewed, IP address)
• Usage analytics (time spent on pages, click patterns)
• Cookie data (preferences, session information)

2. How We Use Your Information

We use your personal information to provide and improve our budgeting education services. Your email address helps us send you course updates, webinar invitations, and important account information. We never sell your personal information to third parties.

Purpose	Data Used	Legal Basis
Account Management	Name, email, contact details	Contract performance
Service Delivery	Usage data, preferences	Legitimate interest
Communications	Email, phone (if provided)	Consent
Analytics	Anonymized usage data	Legitimate interest

3. Data Sharing and Disclosure

We don't sell, rent, or trade your personal information. However, we may share your information in specific circumstances outlined below. We always aim to minimize the data shared and ensure appropriate safeguards are in place.

Service Providers

We work with trusted third-party service providers to help us deliver our services. These might include email service providers, web hosting companies, and analytics platforms. These providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, such as in response to a valid court order, government request, or to protect the rights and safety of krelmozaoffice, our users, or others. We'll always review such requests carefully and limit disclosure to what's legally required.

4. Your Privacy Rights

You have several rights regarding your personal information. We've designed our systems to make it easy for you to exercise these rights. Here's what you can do:

5. Data Security

6. Data Retention

We keep your personal information only as long as necessary to provide our services and fulfill the purposes described in this policy. Account information is typically retained for the duration of your relationship with us, plus a reasonable period afterward for business purposes.

After you close your account, we may retain certain information for legitimate business purposes, such as fraud prevention, regulatory compliance, or to resolve disputes. Marketing information is deleted within 30 days of unsubscribing from our communications.

7. International Data Transfers

While krelmozaoffice operates primarily within South Africa, some of our service providers may be located in other countries. When we transfer your data internationally, we ensure appropriate safeguards are in place to protect your information according to this privacy policy.

We use standard contractual clauses approved by relevant data protection authorities and ensure that all international transfers comply with applicable data protection laws.

8. Cookies and Tracking

We use cookies and similar technologies to enhance your experience on our website. Cookies help us remember your preferences, understand how you use our site, and provide personalized content.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain until deleted or expired).

9. Children's Privacy

krelmozaoffice's services are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 18. If we discover that we've collected information from a child under 18, we'll delete that information promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

10. 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'll notify you by email or through a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we protect your information. The "Last updated" date at the top of this policy indicates when it was most recently revised.