Privacy Policy

At xorneliaapp, 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 visit our website, use our services, or interact with our business growth solutions.

We're committed to being transparent about our data practices and ensuring you have complete control over your personal information. This policy covers all aspects of our data handling, from initial collection to secure deletion, and outlines your rights as a user of our platform.

By using xorneliaapp's services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this document carefully and contact us if you have any questions about our privacy practices.

We collect several types of information to provide and improve our financial services platform. Understanding what we collect helps you make informed decisions about sharing your information with us.

Personal Information You Provide

• Account Information: Name, email address, phone number, and business details when you create an account
• Financial Information: Business revenue details, financial goals, and investment preferences for our advisory services
• Communication Data: Messages you send us through contact forms, emails, or phone calls
• Profile Information: Business type, industry, location, and other details you choose to share
• Learning Program Data: Course progress, quiz results, and participation in our educational content

Information We Collect Automatically

• Website Usage: Pages visited, time spent on pages, and navigation patterns
• Device Information: IP address, browser type, operating system, and device identifiers
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Preferences, login status, and website functionality data

We use your information to provide excellent financial services and continuously improve our platform. Every use of your data serves a specific purpose that benefits your experience with xorneliaapp.

Primary Uses

• Service Delivery: Providing personalized financial advice and business growth solutions
• Account Management: Creating and maintaining your account, processing requests, and managing subscriptions
• Communication: Sending important updates, responding to inquiries, and providing customer support
• Educational Content: Delivering relevant learning materials and tracking your progress
• Platform Improvement: Analyzing usage patterns to enhance our services and user experience

Legal and Compliance Uses

We may use your information to comply with legal obligations, including financial regulations in South Africa, tax requirements, and industry standards. This includes maintaining records for audit purposes and reporting to regulatory authorities when required.

We take a restrictive approach to sharing your information. We never sell your personal data and only share it in specific circumstances that benefit your service experience or meet legal requirements.

Service Providers

We work with trusted third-party service providers who help us deliver our services. These include payment processors, email service providers, and analytics tools. All service providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, regulation, or legal process. This includes responding to court orders, government investigations, or requests from regulatory authorities. We will notify you of such requests unless legally prohibited from doing so.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring company. We will notify you before your information is transferred and becomes subject to a different privacy policy.

• Payment processing partners for secure financial transactions
• Email service providers for communication delivery
• Analytics providers for website performance insights
• Customer support tools for efficient service delivery
• Legal and compliance advisors when required

You have significant control over your personal information. We've designed our systems to make it easy for you to exercise these rights and maintain control over your data.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may ask you to verify your identity to protect your information.

There's no charge for most requests, but we may charge a reasonable fee for excessive or repetitive requests. We'll let you know if any fees apply before processing your request.

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

Technical Safeguards

• Encryption: All data transmission is encrypted using industry-standard SSL/TLS protocols
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Employee access to personal information is limited to those who need it for their job functions
• Regular Audits: We conduct regular security audits and vulnerability assessments
• Backup Systems: Secure backup procedures ensure data recovery in case of system failures

Organizational Measures

Our team receives regular training on data protection and privacy practices. We maintain strict internal policies governing how personal information is handled, and all employees sign confidentiality agreements.

We use cookies and similar technologies to enhance your experience on our website, analyze usage patterns, and provide personalized content. You have control over how these technologies are used.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including login and navigation
• Performance Cookies: Help us understand how visitors interact with our website
• Functionality Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies, but this may affect website functionality. You can also opt out of marketing cookies while keeping essential cookies for basic site operation.

We respect "Do Not Track" signals from browsers and will honor these preferences where technically feasible.

While xorneliaapp operates primarily in South Africa, some of our service providers may be located in other countries. When we transfer your information internationally, we ensure appropriate safeguards are in place.

Transfer Safeguards

• Standard contractual clauses approved by data protection authorities
• Adequacy decisions for countries with equivalent data protection laws
• Binding corporate rules for multinational service providers
• Specific consent for transfers where required

We regularly review our international transfer practices to ensure they meet current legal requirements and best practices for data protection.

We retain your personal information only for as long as necessary to provide our services and meet legal obligations. Our retention periods are based on the type of information and the purpose for which it was collected.

Retention Periods

• Account Information: Retained for the duration of your account plus 3 years
• Financial Records: Retained for 7 years to comply with financial regulations
• Communication Records: Retained for 5 years for customer service purposes
• Website Analytics: Retained for 24 months for performance analysis
• Marketing Data: Retained until you opt out or for 3 years of inactivity

Secure Deletion

When information is no longer needed, we securely delete it using industry-standard methods. This includes overwriting data on storage devices and ensuring backups are also properly cleaned.

xorneliaapp's services are designed for adults and businesses. We do not knowingly collect personal information from children under 18 years of age. If you believe we have inadvertently collected information from a child, please contact us immediately.

If we discover that we have collected personal information from a child under 18, we will take immediate steps to delete that information from our systems and terminate any associated account.

Parents and guardians who believe their child has provided personal information to us can contact us using the information provided below to request deletion of that information.

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We're committed to keeping you informed about any changes that affect your privacy.

Notification of Changes

• Material changes will be communicated via email to registered users
• We'll post updates on our website with the effective date
• Significant changes may require your explicit consent
• We'll maintain previous versions of our privacy policy for reference

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.