Privacy Policy

Information We Collect

At kretavionagency, we collect information that helps us provide you with effective debt management strategies and personalized financial guidance. The information we gather falls into several categories, each serving specific purposes in delivering our services.

Personal Information

When you register for our services or contact us, we collect personal details including your full name, email address, phone number, and postal address. This information allows us to communicate with you about your account, send important updates, and provide customer support when needed.

Financial Information

To create effective debt management strategies, we collect information about your financial situation including income details, existing debts, credit obligations, and spending patterns. This sensitive information is handled with the highest level of security and is only used to develop personalized financial solutions.

Technical Information

Our systems automatically collect technical information when you visit our website or use our services. This includes your IP address, browser type, device information, and usage patterns. We use this data to improve our platform's performance and security.

How We Use Your Information

Your information enables us to deliver comprehensive debt management services tailored to your unique financial situation. We use your data responsibly and only for legitimate business purposes that directly benefit your financial well-being.

• Creating personalized debt management strategies based on your financial profile
• Providing ongoing financial guidance and support throughout your debt management journey
• Communicating important updates about your account and available services
• Improving our services through analysis of usage patterns and customer feedback
• Ensuring compliance with South African financial regulations and industry standards
• Detecting and preventing fraudulent activities to protect your financial information

Information Sharing and Disclosure

kretavionagency maintains strict controls over how your information is shared. We only disclose your personal data in specific circumstances that are necessary for providing our services or as required by law.

Service Providers

We work with carefully selected third-party service providers who assist us in delivering our debt management services. These partners include credit bureaus, financial institutions, and technology providers. All service providers are bound by strict confidentiality agreements and are only permitted to use your information for specified purposes.

Legal Requirements

In certain situations, we may be required to disclose your information to comply with legal obligations, respond to lawful requests from government authorities, or protect our rights and the rights of our clients. Any such disclosure will be limited to the minimum information necessary and will be conducted in accordance with applicable privacy laws.

Your Privacy Rights

As a client of kretavionagency, you have comprehensive rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

How to Exercise Your Rights

To exercise any of your privacy rights, please contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

Protecting your personal and financial information is our top priority. We implement comprehensive security measures to safeguard your data against unauthorized access, disclosure, or misuse.

Technical Safeguards

Our technical security measures include advanced encryption for data transmission and storage, secure servers with regular security updates, multi-factor authentication for system access, and continuous monitoring for suspicious activities. We use industry-standard SSL encryption to protect data during transmission and AES-256 encryption for stored data.

Organizational Safeguards

We maintain strict internal policies governing access to personal information. Only authorized personnel who need access to perform their job duties can view your data. All employees receive regular privacy and security training, and we conduct regular audits to ensure compliance with our privacy policies.

Data Retention

We retain your personal information only for as long as necessary to provide our services and comply with legal obligations. Our retention periods vary depending on the type of information and the purposes for which it was collected.

• Account information is retained for the duration of your service relationship plus three years
• Financial records are maintained for seven years to comply with regulatory requirements
• Communication records are kept for five years for quality assurance purposes
• Website usage data is retained for two years for analytical purposes

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods.

International Data Transfers

While kretavionagency operates primarily within South Africa, some of our service providers may process your information in other countries. When we transfer your data internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

All international transfers are conducted in compliance with South African data protection laws and include contractual protections to ensure your data receives the same level of protection as it would in South Africa.

Changes to This Policy

We periodically 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 or by posting a notice on our website.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The date of the last update is displayed at the top of this document.

Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website usage. These technologies help us understand how visitors interact with our site and improve our services.

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website. We use both session cookies that expire when you close your browser and persistent cookies that remain on your device for a specified period.

Children's Privacy

kretavionagency's services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately using the contact information provided below.