Privacy Policy
Welcome to our Privacy Policy
Updated in January 2024.
Your privacy is of critical importance to us. It is Zanoluntu Capital’s policy to respect your privacy regarding any information we may collect while operating our website.
This Privacy Policy applies to https://zanoluntucapital.africa/ (hereinafter, “us”, “we”, or “ https://zanoluntucapital.africa/”). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the website. We have adopted this privacy policy (“Privacy Policy”) to explain what information may be collected on our website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the website and does not apply to our collection of information from other sources. This Privacy Policy, together with the Terms and Conditions posted on our website, set forth the general rules and policies governing your use of our website. Depending on your activities when visiting our website, you may be required to agree to additional terms and conditions.
- Introduction
We want you to understand how we collect, use, and share information about you.
The Consumer Protection Act 68 of 2008 (“CPA”) and the Protection of Personal Information Act 4 of 2013 (“POPIA”) regulate the processing of your personal information. This Privacy Policy applies when you sign up for our promotions and when you purchase a new product or service with Zanoluntu Capital and when you use our website, or other digital service platforms. By using these products and services or by providing personal information to us, you agree to the terms outlined in this Privacy Policy.
- What is personal information?
Personal information means information relating to an identifiable, living, natural person and (where applicable) an identifiable, existing juristic person, including the name, race, gender, marital status, address and identity number of a person, symbol, email address, physical address, telephone number, location information, online identifier, or other particular assignment to the person.
- What is direct marketing?
Direct marketing as defined in the CPA and POPIA, means to approach a person, either in person or by mail or electronic communication, for the direct or indirect purpose of:
- promoting or offering to supply, in the ordinary course of business, any goods or services to that person; or
- requesting the person to make a donation of any kind, for any reason.
- How we use your personal information
We collect, use, and store your personal information so that we can:
- Confirm your identity.
- Assess your application for a product or service.
- Design, manage, price, and provide our products and services.
- Make sure that our business meets your needs and provide you with customised offers, experience, and service communication to help you manage your finances.
- Minimise risk and identify or investigate fraud or other related activities.
- Contact you when we need to tell you something important.
- Improve our service to you and your experience with us.
- Manage our businesses and identify potential trends and markets to ensure that our products are future fit.
We may also collect and store your personal information for reasons where the law allows us or requires us to do so. We may process your personal information to enhance your personal experience of our digital service channels, to ensure that you can easily navigate relevant pages and offers. You accept that using these channels and services means that you give us permission to process your information to customise your experience.
- Retaining and deleting personal information
Personal information that we process for any purpose or purposes will not be kept for longer than is necessary for that purpose or those purposes. We will retain your personal information for as long as it is legally required and when we are no longer legally required or have a legitimate purpose to retain it, we will either destroy it, desensitise it or anonymise it. Notwithstanding the other provisions of this section (5), we may retain your personal information where such retention is necessary for compliance with a legal obligation to which we are subject or in order to protect your vital interests or the vital interests of another natural person.
- Security of personal information
The security of your personal information is important to us. We will take appropriate technical and organisational precautions to secure your personal information and to prevent the loss, misuse, unauthorised access, disclosure, or alteration of your personal information. We will store all your personal information on secure servers, personal computers, and mobile devices and in secure manual record-keeping systems. We use a range of physical, electronic, and other security measures to protect the security, confidentiality, and integrity of the personal information that we hold. For example:
- Access to our information systems is controlled through identity and access management controls.
- Employees and our contracted service providers are bound by internal information security policies and are required to keep information secure.
- All employees are required to complete training about privacy and information security.
- We regularly monitor and review our compliance with internal policies and industry best practice.
You should ensure that your password is not susceptible to being guessed, whether by a person or a computer programme. You are responsible for keeping the password that you use for accessing our website, confidential. We will not sell your personal information to other companies or organisations. The security of your personal information is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
- Access to your personal information
As a client, you may: a) ask us to give you a description of your personal information that we hold; and b) ask us to correct or update your personal information.
- Right to change this Privacy Policy
We may change or update this Privacy Policy. The latest version of this notice will be published on our website for you to view. Please review it regularly to make sure that you are comfortable with the content. The latest version will replace all earlier versions, unless otherwise specified.
- Complaints or queries
If you have any questions about this Privacy Policy or a complaint regarding the treatment of your privacy, please use the contact form on our website.
We will treat your requests confidentially. Our representative will contact you within a reasonable time after receiving your query or complaint to discuss your concerns and outline options regarding a resolution. We aim to ensure that your queries and complaints are resolved in a timely manner.
- Website visitors
Like most website operators, Zanoluntu Capital collects non-personally identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Zanoluntu Capital’s purpose in collecting non-personally identifying information is to better understand how Zanoluntu Capital’s visitors use its website. From time to time, Zanoluntu Capital may release non-personally identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website. Zanoluntu Capital also collects potentially personally identifying information like Internet Protocol (IP) addresses for logged in users. Zanoluntu Capital only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally identifying information as described below.
- Cookies
To enrich and perfect your online experience, Zanoluntu Capital uses “Cookies”, similar technologies and services provided by others to display personalized content, appropriate advertising, and store your preferences on your computer. A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Zanoluntu Capital uses cookies to help Zanoluntu Capital to identify and track visitors, their usage of https://zanoluntucapital.africa/, and their website access preferences. Zanoluntu Capital’s visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Zanoluntu Capital’s websites, with the drawback that certain features of Zanoluntu Capital’s website may not function properly without the aid of cookies. By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Zanoluntu Capital’s use of cookies.
- E-commerce
Those who engage in transactions with Zanoluntu Capital – by purchasing Zanoluntu Capital’s services or products are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Zanoluntu Capital collects such information only insofar as is necessary or appropriate to fulfil the purpose of the visitor’s interaction with Zanoluntu Capital. Zanoluntu Capital does not disclose personally identifying information other than as described below. And visitors can always refuse to supply personally identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Terms and Conditions
Welcome to our Terms & Conditions
Updated in January 2024.
These terms and conditions outline the rules and regulations for the use of Zanoluntu Capital’s website. By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Zanoluntu Capital’s website if you do not accept all the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions and Privacy Policy and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our company. “Party”, “Parties”, or “Us”, refers to both the client and ourselves, or either the client or ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the client’s needs in respect of provision of the company’s stated services/products, in accordance with and subject to, prevailing law of South Africa. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.
- License
Unless otherwise stated, Zanoluntu Capital and/or its licensors own the intellectual property rights for all material on Zanoluntu Capital’s website. All intellectual property rights are reserved. You may view and/or print pages from https://zanoluntucapital.africa/ for your own personal use subject to restrictions set in these terms and conditions.
You must not:
- Republish material from https://zanoluntucapital.africa/
- Sell, rent or sub-license material from https://zanoluntucapital.africa/
- Reproduce, duplicate, or copy material from https://zanoluntucapital.africa/
- Redistribute content from Zanoluntu Capital (unless content is specifically made for redistribution).
- Hyperlinking to our content
The following organizations may link to our website without prior written approval:
- Government agencies;
- Search engines;
- News organizations;
- Online directory distributors when they list us in the directory may link to our website in the same manner as they hyperlink to the websites of other listed businesses; and
- Systemwide accredited businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our website.
These organizations may link to our home page, to publications or to other web site information so long as the link:
- is not in any way misleading;
- does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and
- fits within the context of the linking party’s site.
We may consider and approve in our sole discretion other link requests from the following types of organizations:
- commonly known consumer and/or business information sources such as Chambers of Commerce, etc.
- community sites;
- associations or other groups representing charities, including charity giving sites,
- online directory distributors;
- internet portals;
- firms whose primary clients are businesses; and
- educational institutions and trade associations.
We will approve link requests from these organizations if we determine that:
- the link would not reflect unfavourably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us;
- the benefit to us from the visibility associated with the hyperlink outweighs the absence of; and
- where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.
These organizations may link to our home page, to publications or to other website information so long as the link:
- is not in any way misleading;
- does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and
- fits within the context of the linking party’s site.
If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by completing the contact form on our website. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response. Approved organizations may hyperlink to our website as follows:
- By use of our corporate name; or
- By use of the uniform resource locator (web address) being linked to; or
- By use of any other description of our website approved by us or material being linked to that makes sense within the context and format of content on the linking party’s site.
No use of Zanoluntu Capital’s logo or other artwork will be allowed for linking absent a trademark license agreement.
- Frames
Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our website.
- Reservation of rights
We reserve the right at any time and in its sole discretion to request that you remove all links or any link to our website. You agree to immediately remove all links to our website upon such request. We also reserve the right to amend these Terms and Conditions and its linking policy at any time. By continuing to link to our website, you agree to be bound to and abide by these linking terms and conditions.
- Removal of links from our website
If you find any link on our website or any linked website objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you. Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its
completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.
- Content Liability
We shall have no responsibility or liability for any content appearing on your website. You agree to indemnify and defend us against all claims arising out of or based upon your website. No link(s) may appear on any page on your website or within any context containing content or materials that may be interpreted as libellous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third-party rights.
- Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:
- limit or exclude our or your liability for death or personal injury resulting from negligence;
- limit or exclude our or your liability for fraud or fraudulent misrepresentation;
- limit any of our or your liabilities in any way that is not permitted under applicable law; or
- exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this section and elsewhere in this disclaimer:
- are subject to the preceding paragraph; and
- govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
Zanoluntu Capital encourages visitors to frequently check this page for any changes to its Privacy Policy or Terms and Conditions. Your continued use of this site after any change in this Privacy Policy or Terms and Conditions will constitute your acceptance of such change.