Tervexa Loop - Strategic Budget Management & Financial Planning Solutions

Introduction and Overview

At Tervexa Loop, we understand that your privacy is fundamental to building trust in our financial services platform. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you interact with our budget strategy services and educational programs.

We're committed to transparency about our data practices. This policy applies to all interactions you have with Tervexa Loop, whether through our website at tervexaloop.com, our educational programs, or direct communications with our team.

Important: By using our services, you acknowledge that you have read and understood this privacy policy and consent to the collection and use of your information as described herein.

Information We Collect

Personal Information You Provide

When you engage with our financial education services, we collect various types of information that you voluntarily provide:

Contact details including your full name, email address, phone number, and mailing address

Financial information relevant to budget planning, including income ranges, spending categories, and financial goals

Educational background and experience level with financial planning concepts

Program enrollment information and learning preferences

Payment information for services, though we use secure third-party processors

Communication preferences and feedback about our services

Automatically Collected Information

Our systems automatically collect certain technical information to improve your experience and ensure security:

Device information including browser type, operating system, and device identifiers

Usage patterns on our website, including pages visited and time spent

IP address and general location information for security purposes

Cookies and similar tracking technologies for functionality and preferences

How We Use Your Information

We use your personal information exclusively for legitimate business purposes related to providing financial education and budget strategy services. Here's how we put your information to work:

Purpose	Information Used	Legal Basis
Service Delivery	Contact info, financial data, preferences	Contract fulfillment
Educational Content	Learning history, goals, progress	Legitimate interest
Customer Support	All relevant account information	Contract fulfillment
Security Monitoring	Usage patterns, IP addresses	Legitimate interest

We personalize your learning experience based on your stated goals and progress. This helps us recommend relevant educational content and adjust our program delivery to better serve your financial education needs.

Data Sharing and Third Parties

We maintain strict control over your personal information and limit sharing to essential business functions. We never sell your data to third parties for marketing purposes.

Authorized Third-Party Partners

Payment processors for secure transaction handling (they receive only necessary payment information)

Educational platform providers who help deliver our online learning programs

Customer service tools that help us respond to your inquiries more effectively

Security services that help protect against fraud and unauthorized access

Analytics providers who help us understand how to improve our services (data is anonymized)

Legal Disclosure Requirements

We may disclose your information when required by law, including responses to valid legal requests from government authorities, court orders, or regulatory compliance requirements in South Africa's financial services sector.

Your Privacy Rights

You have significant control over your personal information. We respect your privacy rights and provide multiple ways to manage your data:

Access Your Data

Request a complete copy of all personal information we hold about you, including how it's being used and with whom it's shared.

Correct Information

Update or correct any inaccurate personal information in your account at any time through your dashboard or by contacting support.

Delete Your Data

Request deletion of your personal information, subject to legal retention requirements for financial records.

Limit Processing

Restrict how we use your information while maintaining your account access and essential service functionality.

Data Portability

Export your data in a commonly used format to transfer to another service provider if desired.

Opt-Out Options

Unsubscribe from marketing communications while continuing to receive important account and service updates.

To exercise any of these rights, contact our privacy team at support@tervexaloop.com with your request. We'll respond within 30 days and verify your identity to protect your information.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes:

Technical Safeguards

End-to-end encryption for all data transmission using industry-standard protocols

Secure data storage with multiple layers of access controls and monitoring

Regular security audits and penetration testing by independent third parties

Automated backup systems with secure, geographically distributed storage

Multi-factor authentication requirements for all administrative access

Operational Security

Strict employee access controls based on job responsibilities and need-to-know basis

Regular security training for all staff members handling personal information

Incident response procedures for rapid identification and containment of security issues

Continuous monitoring of our systems for suspicious activity or potential breaches

While we implement robust security measures, no system is completely immune to risks. We encourage you to use strong, unique passwords for your account and notify us immediately if you suspect any unauthorized access.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and meet legal obligations. Our retention practices are designed to balance your privacy rights with practical business needs:

Retention Periods

Active account information: Retained while your account remains active plus 3 years after closure

Financial transaction records: 7 years as required by South African financial regulations

Educational progress data: 5 years to support continued learning and certification verification

Marketing communications data: Until you unsubscribe or request deletion

Technical logs and security data: 2 years for security monitoring and system improvement

Secure Deletion Process

When data reaches the end of its retention period, we securely delete it using industry-standard methods that make recovery impossible. This includes overwriting storage media and destroying physical backups according to certified destruction procedures.

International Data Transfers

While Tervexa Loop operates primarily within South Africa, some of our service providers and technology partners may be located in other countries. When we transfer your data internationally, we ensure appropriate safeguards are in place:

We only work with providers who demonstrate adequate data protection standards

All international transfers are governed by strict contractual agreements

We regularly audit our international partners' compliance with privacy requirements

Data minimization principles ensure only necessary information is transferred

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and improve our services. You have control over these technologies:

Essential cookies for basic website functionality and security

Preference cookies to remember your settings and customizations

Analytics cookies to understand how you use our services (anonymized data)

You can disable non-essential cookies through your browser settings

Updates to This Policy

We regularly review and update this privacy policy to reflect changes in our services, legal requirements, or industry best practices. When we make significant changes, we'll notify you through:

Email notifications to your registered address

Prominent notices on our website

Updates to the "Last Updated" date at the top of this policy

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the changes.

Privacy Policy