Privacy Policy

Who We Are and What This Covers

liravixoro operates from Century Blvd Upper Level, Opposite Entrance 8, Century City, Cape Town, 7441, South Africa. We provide financial goal setting and achievement planning services to clients throughout South Africa.

This policy applies to information we collect when you visit our website, use our services, or communicate with us through any channel. It also covers how we handle information if you attend our workshops or participate in our planning programs.

Information We Collect

The information we gather depends on how you interact with us. Here's what we typically collect and why we need it:

Contact and Identity Information

• Your name, email address, phone number, and postal address
• We collect this when you fill out contact forms, sign up for consultations, or request information about our services
• This helps us respond to your enquiries and provide the services you've requested

Financial Planning Information

• Details about your financial goals, current situation, and planning preferences
• Information about your income range, savings objectives, and timeline preferences
• This information is essential for creating meaningful financial plans that actually work for your circumstances
• We only collect what's necessary to provide effective planning support

Technical and Usage Information

• Your IP address, browser type, and device information when you visit our website
• Pages you visit, how long you stay, and which features you use
• This helps us understand how people use our site so we can make it more helpful
• We use this data to improve our services and fix technical issues

Communication Records

• Copies of correspondence when you email us or communicate through our contact forms
• Notes from phone conversations where you've provided information relevant to your enquiry
• These records help us provide consistent service and remember your preferences

How We Use Your Information

We're pretty selective about what we do with your information. Here's a breakdown of our actual practices:

How We Protect Your Information

Security matters a lot when you're sharing financial details. Here's what we do to keep your information safe:

Technical Security Measures

• All data transmitted between your browser and our servers uses encryption
• Our servers are hosted in secure facilities with restricted physical access
• We use firewalls and intrusion detection systems to monitor for unauthorized access attempts
• Regular security audits help us identify and address potential vulnerabilities

Administrative Safeguards

• Only team members who need access to provide services can view your information
• All staff sign confidentiality agreements and receive training on data protection
• We maintain detailed access logs to track who views what information
• Regular reviews ensure people only retain access they actually need

Data Storage Practices

• Your information is stored on secure servers located in South Africa
• We maintain encrypted backups in case of system failures
• Database access requires multi-factor authentication
• We delete information securely when it's no longer needed

Despite our precautions, no system is completely impenetrable. If we ever experience a data breach affecting your information, we'll notify you promptly and explain what happened and what we're doing about it.

Sharing Your Information

We keep your information within our organization except in these specific situations:

Service Providers

We work with a small number of trusted companies that help us operate our business. This might include:

• Cloud hosting providers who maintain our servers and infrastructure
• Email service providers who help us communicate with clients
• Payment processors who handle secure transaction processing
• IT support companies who help maintain our systems

These providers can only use your information to perform services for us. They're contractually obligated to protect your data and can't use it for their own purposes.

Legal Requirements

We may disclose information when required by South African law, such as:

• Responding to valid court orders or legal processes
• Complying with regulatory requirements from financial authorities
• Cooperating with law enforcement investigations where legally obligated
• Protecting our legal rights in disputes or litigation

Business Transfers

If liravixoro is acquired or merged with another company, your information would be transferred to the new owners. We'd notify you before this happens and explain any changes to how your information will be handled.

Your Rights and Choices

South African law, particularly the Protection of Personal Information Act (POPIA), gives you substantial control over your personal information. Here's what you can do:

Access Your Information

You can request a copy of all personal information we hold about you. We'll provide this within 30 days of receiving your request. There's no charge for your first request in a 12-month period.

Correct Inaccurate Information

If we have incorrect information about you, let us know and we'll fix it promptly. This is particularly important for contact details and financial planning information.

Delete Your Information

You can request that we delete your personal information. We'll comply unless we have a legitimate reason to retain it, such as:

• Completing services you've paid for
• Meeting legal record-keeping requirements
• Resolving disputes or enforcing agreements
• Defending legal claims

Object to Processing

You can object to how we use your information in certain circumstances. We'll stop unless we have compelling legitimate grounds to continue.

Restrict Processing

You can ask us to temporarily stop using your information while we verify its accuracy or assess whether we have legitimate grounds for processing it.

Data Portability

You can request your information in a structured, commonly used format that you can transfer to another service provider.

Withdraw Consent

Where we're processing your information based on consent, you can withdraw that consent whenever you want. This won't affect the lawfulness of processing that occurred before you withdrew consent.

To exercise any of these rights, contact us using the details at the bottom of this policy. We'll respond within 30 days and won't charge fees unless your request is clearly unfounded or excessive.

How Long We Keep Your Information

We don't keep information longer than necessary. Here's our general approach:

Active Client Information

While you're actively using our services, we retain all information needed to provide those services effectively. This includes your financial plans, correspondence, and consultation notes.

After Service Completion

Once our engagement ends, we retain your information for seven years. This timeframe aligns with South African financial services record-keeping requirements and allows us to:

• Respond to questions about services we provided
• Comply with tax and financial reporting obligations
• Defend against potential legal claims
• Maintain continuity if you return for additional services

Marketing Information

If you've signed up for newsletters or updates but haven't used our services, we'll keep your contact information until you unsubscribe or for three years if we haven't heard from you.

Website Usage Data

Technical information like IP addresses and browsing data is typically retained for 24 months for security and service improvement purposes.

When we delete information, we do so securely. Digital records are permanently erased using methods that prevent recovery. Physical documents are shredded or destroyed securely.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to make the site work properly and improve your experience.

Essential Cookies

These are necessary for the website to function. They enable basic features like page navigation and access to secure areas. The website won't work properly without these cookies.

Analytics Cookies

We use analytics tools to understand how visitors use our site. This helps us identify which content is helpful and which features need improvement. These cookies collect anonymous information about page visits, time spent, and navigation patterns.

Managing Cookies

You can control cookies through your browser settings. Most browsers let you:

• See what cookies are stored and delete them individually
• Block third-party cookies
• Block all cookies from specific sites
• Block all cookies entirely
• Delete all cookies when you close your browser

Keep in mind that disabling cookies may affect your ability to use certain features of our website.

Children's Privacy

Our services are designed for adults managing their financial planning. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent and believe your child has provided us with personal information, please contact us. We'll delete that information promptly.

Changes to This Policy

We review this privacy policy regularly and update it when our practices change or when legal requirements evolve.

When we make significant changes, we'll notify you by email if you're an active client or by posting a prominent notice on our website. The "last updated" date at the top of this policy shows when we most recently made changes.

We encourage you to review this policy periodically, particularly if you're concerned about how your information is used.

International Data Transfers

We primarily store and process your information within South Africa. If we need to transfer data internationally—such as when using cloud services with overseas infrastructure—we ensure adequate protections are in place.

Any international transfers comply with POPIA requirements and involve appropriate safeguards such as:

• Using service providers who participate in recognized data protection frameworks
• Implementing standard contractual clauses approved by regulators
• Ensuring the receiving country has adequate data protection laws
• Obtaining your explicit consent when required

Automated Decision-Making

We don't use fully automated systems to make significant decisions about you. Any financial planning recommendations or assessments involve human review and judgment.

While we may use software tools to analyze financial information or generate draft plans, our advisors always review the output and apply their expertise before sharing recommendations with you.