Zovexithivon ("we," "us," or "our") is committed to protecting
your privacy. This Privacy Policy explains how we collect, use,
store, disclose, and protect your personal information when you
visit our website at
https://zovexithivon.com, use our financial planning services, or interact with us. We
comply with the South Africans Privacy Principles (APPs) under the
Privacy Act 1988 (Cth) and other applicable privacy laws. Last
updated: June 19, 2025.
1. Information We Collect
We collect personal information to provide and improve our
financial planning services. The types of information we may
collect include:
-
Personal Details: Name, email address, phone
number, postal address, and date of birth when you register for
our services, contact us, or subscribe to our $50/month plan.
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Financial Information: Income, expenses,
assets, liabilities, investment preferences, and financial goals
to create personalized financial plans.
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Technical Data: IP address, browser type,
device information, operating system, and browsing behavior
(e.g., pages visited, time spent) collected via cookies and
analytics tools.
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Communication Data: Information you provide in
emails, forms, surveys, or consultations, including feedback and
inquiries.
-
Payment Information: Billing details (e.g.,
credit card or bank account information) processed securely
through third-party payment providers for subscription payments.
We only collect information that is necessary for providing our
services or as required by law. You may choose not to provide
certain information, but this may limit your ability to use some
features of our website or services.
2. How We Collect Information
We collect personal information through various methods,
including:
-
Direct Interactions: When you fill out forms,
subscribe to our services, request a consultation, or contact us
via email or phone.
-
Automated Technologies: Through cookies, web
beacons, and analytics tools (e.g., Google Analytics) that track
your interactions with our website. See our
Cookie Policy
for details.
-
Third Parties: From service providers (e.g.,
payment processors) or partners who assist us in delivering our
services, subject to strict confidentiality agreements.
3. How We Use Your Information
We use your personal information to provide, improve, and
personalize our services. Specific purposes include:
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Delivering financial planning services, including budget
management, investment guidance, and personalized strategies.
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Processing subscription payments and managing your account.
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Communicating with you about your account, service updates, or
promotional offers (with your consent where required).
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Analyzing website usage and user behavior to enhance our
services and user experience.
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Complying with legal obligations, such as tax reporting or
responding to regulatory requests.
-
Protecting against fraud, unauthorized access, or other security
threats.
We will only use your personal information for the purposes for
which it was collected, unless we obtain your consent for a new
purpose or as permitted by law.
4. Sharing Your Information
We may share your personal information with third parties in the
following circumstances:
-
Service Providers: With trusted third parties
who assist us in operating our website and services, such as
payment processors, cloud storage providers, or analytics
platforms. These providers are bound by confidentiality and data
protection agreements.
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Business Partners: With partners who offer
complementary financial services, but only with your explicit
consent.
-
Legal Obligations: When required by law, such
as to comply with a court order, regulatory request, or tax
reporting requirements.
-
Business Transfers: In the event of a merger,
acquisition, or sale of assets, your information may be
transferred to the new entity, subject to equivalent privacy
protections.
We do not sell or rent your personal information to third parties
for marketing purposes without your explicit consent.
5. Data Storage and Security
We store your personal information on secure servers located in
South Africa or with trusted cloud providers that comply with
South Africans privacy laws. We implement industry-standard security
measures, including:
-
Encryption of sensitive data (e.g., payment details) during
transmission and storage.
-
Access controls to limit who can view or process your
information.
-
Regular security audits and updates to protect against
unauthorized access, loss, or misuse.
While we take reasonable steps to protect your information, no
system is completely secure. In the unlikely event of a data
breach, we will notify you and relevant authorities as required by
law.
6. International Data Transfers
Some of our service providers may be located outside South Africa
(e.g., cloud storage or analytics providers). When we transfer
your personal information overseas, we ensure that:
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The recipient is located in a jurisdiction with equivalent
privacy protections, or
-
Appropriate safeguards, such as standard contractual clauses,
are in place to protect your information.
We comply with APP 8 (Cross-border disclosure of personal
information) to ensure your data is handled securely.
7. Your Rights and Choices
Under the Privacy Act 1988 (Cth), you have the following rights
regarding your personal information:
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Access: Request access to the personal
information we hold about you.
-
Correction: Request correction of inaccurate or
incomplete information.
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Deletion: Request deletion of your information,
subject to legal or contractual obligations (e.g., tax records).
-
Opt-Out: Opt out of marketing communications at
any time by clicking the "unsubscribe" link in emails or
contacting us.
-
Complaints: Lodge a complaint if you believe we
have mishandled your information (see "Contact Us" below).
To exercise these rights, please contact us using the details
below. We will respond to your request within a reasonable
timeframe, typically within 30 days, as required by law.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience
on our website, analyze usage, and deliver personalized content.
For detailed information on how we use cookies and how you can
manage your preferences, please see our
Cookie Policy.
9. Data Retention
We retain your personal information only for as long as necessary
to fulfill the purposes for which it was collected, comply with
legal obligations, or resolve disputes. For example:
-
Account information is retained for the duration of your
subscription and up to 7 years thereafter for tax and regulatory
purposes.
-
Analytics data is retained in anonymized form for up to 26
months.
When your information is no longer needed, we securely delete or
anonymize it in accordance with our data retention policies.
10. Children’s Privacy
Our website and services are not intended for individuals under
the age of 18. We do not knowingly collect personal information
from children. If we become aware that we have collected
information from a child under 18, we will take steps to delete it
promptly.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect
changes in our practices, legal requirements, or services. Any
updates will be posted on this page with a revised "Last updated"
date. We encourage you to review this policy periodically to stay
informed about how we protect your information.
12. Contact Us
If you have any questions, concerns, or requests regarding this
Privacy Policy or our handling of your personal information,
please contact us at:
If you are not satisfied with our response, you may lodge a
complaint with the Office of the South Africans Information
Commissioner (OAIC) at
www.oaic.gov.au.
For more information about our use of cookies, please see our
Cookie Policy. For details about the limitations of our services, see our
Disclaimer.