Privacy Policy
Effective Date: 30 August 2026
Last Updated: 30 August 2026
Welcome to Finovara (“Finovara”, “we”, “us”, or “our”).
This Privacy Policy explains how we collect, use, protect, and disclose information when you visit or use https://finovara.co.za/ (the “Website”).
Finovara is a South African financial information website providing educational and informational content relating to areas such as investments, insurance, loans, credit cards, savings, fixed deposits, and cryptocurrencies.
We respect your privacy and are committed to handling personal information responsibly and transparently. This Privacy Policy is intended to explain our privacy practices and our approach to protecting personal information in accordance with applicable South African data protection requirements, including the Protection of Personal Information Act 4 of 2013 (POPIA).
Important: Finovara provides general financial information and educational content. Our Website does not constitute personalised financial, investment, tax, legal, or other professional advice.
1. Information We May Collect
Depending on how you interact with our Website, we may collect certain information.
1.1 Information You Provide Directly
You may voluntarily provide personal information when you:
- Contact us through a contact form;
- Send us an email;
- Subscribe to a newsletter or mailing list;
- Leave a comment;
- Submit an enquiry;
- Participate in a survey, promotion, or other Website feature; or
- Otherwise communicate with us.
This information may include:
- Name;
- Email address;
- Contact details;
- Information contained in your message or enquiry; and
- Any other information you voluntarily choose to provide.
Please do not submit confidential financial information, banking passwords, account numbers, identity documents, card numbers, PINs, or other highly sensitive information through our Website unless specifically requested through an appropriate secure channel.
2. Information Collected Automatically
When you visit Finovara, certain technical information may be collected automatically by our hosting provider, analytics tools, security systems, or other Website technologies.
This information may include:
- IP address;
- Browser type and version;
- Device type;
- Operating system;
- Referring website;
- Pages visited;
- Date and time of visits;
- Approximate geographic information;
- Time spent on pages;
- Website interaction information; and
- Other technical or diagnostic information.
This information is generally used for security, analytics, troubleshooting, performance monitoring, and improving the Website.
Where technically possible, we seek to minimise the collection of information that is not necessary for the relevant purpose.
3. Cookies and Similar Technologies
Finovara may use cookies and similar technologies to improve Website functionality, understand how visitors use the Website, remember preferences, maintain security, and support advertising or analytics where applicable.
Cookies are small text files stored on your device by a website.
Cookies may be used for purposes such as:
- Website functionality;
- Security;
- Performance monitoring;
- Analytics;
- Remembering preferences;
- Understanding Website traffic; and
- Supporting relevant advertising.
Some cookies may be placed by third-party service providers that operate on our behalf or provide services used by the Website.
You can generally control or disable cookies through your browser settings. However, disabling certain cookies may affect Website functionality.
4. Analytics
We may use analytics technologies to understand how visitors interact with Finovara.
Analytics information may help us understand:
- Which pages receive traffic;
- How visitors navigate the Website;
- General traffic patterns;
- Website performance;
- Technical problems; and
- How we can improve our content and user experience.
Where third-party analytics services are used, those providers may process information according to their own privacy policies and terms.
5. Advertising
Finovara may display advertisements provided by third-party advertising networks.
Advertising providers may use cookies, web beacons, or similar technologies to:
- Display advertisements;
- Measure advertising performance;
- Limit repetitive advertisements;
- Understand general audience interests; and
- Provide more relevant advertising.
Third-party advertising companies may process information according to their own privacy policies.
If advertising services are introduced, changed, or removed from Finovara, this Privacy Policy may be updated accordingly.
Users may also be able to control certain advertising preferences through their browser, device, or the relevant advertising provider.
6. How We Use Personal Information
We may use information collected through the Website for legitimate and appropriate purposes, including:
- Providing and maintaining the Website;
- Responding to enquiries;
- Communicating with users;
- Sending newsletters where users have subscribed;
- Improving our content and services;
- Understanding Website usage;
- Monitoring Website performance;
- Detecting and preventing fraud, abuse, spam, or security incidents;
- Maintaining Website security;
- Complying with legal and regulatory obligations;
- Protecting our rights and property; and
- Other purposes disclosed at the time information is collected.
We aim to collect only information that is reasonably necessary for the relevant purpose.
The Information Regulator of South Africa similarly identifies collecting only necessary information, maintaining accuracy, and using appropriate security measures as important privacy principles.
7. Legal Basis for Processing
Where POPIA applies, Finovara will process personal information only where there is an appropriate lawful basis for doing so.
Depending on the circumstances, this may include:
- Your consent;
- Performing a service or responding to your request;
- Compliance with a legal obligation;
- Protecting legitimate interests;
- Protecting the rights or safety of individuals; or
- Another lawful basis permitted by applicable law.
Where consent is required, you may generally withdraw your consent, subject to applicable legal requirements and legitimate reasons for continued processing.
8. Sharing Personal Information
We do not sell your personal information as a general business practice.
We may share information with appropriate third parties where reasonably necessary to operate and secure the Website or comply with legal obligations.
These parties may include:
- Website hosting providers;
- Website security providers;
- Analytics providers;
- Email or newsletter service providers;
- Advertising providers;
- Website maintenance or technology providers;
- Professional advisers;
- Government authorities or regulators where legally required; and
- Other service providers acting on our behalf.
Where third parties process personal information on our behalf, we seek to take reasonable steps to ensure that the information is handled appropriately and securely.
9. International Transfers
Some technology, hosting, analytics, advertising, email, or other service providers may process information outside South Africa.
Where personal information is transferred to another country, Finovara will take reasonable steps to ensure that such processing is carried out in accordance with applicable legal requirements.
POPIA contains specific requirements concerning certain transfers of personal information to third parties outside South Africa.
10. Data Security
We take reasonable technical and organisational measures to protect personal information against:
- Unauthorised access;
- Accidental loss;
- Misuse;
- Unauthorised disclosure;
- Alteration; and
- Destruction.
However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure.
You should therefore avoid sending confidential financial information through ordinary website forms or unsecured communications.
11. Data Retention
We retain personal information only for as long as reasonably necessary for the purpose for which it was collected, unless a longer retention period is required or permitted by law.
The retention period may depend on:
- The nature of the information;
- The purpose for which it was collected;
- Legal and regulatory requirements;
- Security requirements; and
- Whether the information is required to resolve a dispute or enforce our rights.
When personal information is no longer reasonably required, we may securely delete, destroy, anonymise, or otherwise dispose of it.
12. Your Privacy Rights
Subject to applicable law, you may have rights relating to your personal information, including the right to:
- Ask whether we hold personal information about you;
- Request access to certain personal information;
- Request correction or updating of inaccurate information;
- Request deletion where legally applicable;
- Object to certain processing;
- Withdraw consent where processing is based on consent;
- Ask questions about how your information is processed; and
- Lodge a complaint concerning the handling of your personal information.
Certain rights may be subject to legal limitations or exceptions.
The South African Information Regulator is responsible for monitoring and enforcing compliance with POPIA and PAIA.
13. Direct Marketing
Where Finovara sends marketing communications, we will seek to comply with applicable requirements governing direct marketing.
If you receive promotional emails from us, you may unsubscribe where an unsubscribe mechanism is provided.
Unsubscribing from marketing communications does not necessarily prevent us from sending important non-marketing communications relating to your interaction with Finovara.
14. Comments and Public Information
If you post a comment or other information publicly on Finovara, the information you submit may become visible to other Website visitors.
You should therefore avoid publishing:
- Bank account information;
- Credit card information;
- Passwords;
- Identity numbers;
- Personal financial information;
- Private contact information; or
- Other confidential information.
We cannot guarantee the privacy of information that you voluntarily publish in publicly accessible areas of the Website.
15. Children’s Privacy
Finovara is intended for a general audience and is not specifically directed toward children.
We do not knowingly seek to collect personal information from children where such collection is not permitted by applicable law.
If you believe that a child has provided personal information to us improperly, please contact us so that we can investigate and take appropriate steps.
POPIA provides specific protections concerning children’s personal information, including circumstances in which processing may require additional safeguards or consent.
16. Third-Party Websites
Finovara may contain links to third-party websites, financial institutions, service providers, advertisers, or other external resources.
These websites operate independently from Finovara and may have their own privacy policies.
We are not responsible for the privacy practices, security, content, or policies of third-party websites.
We recommend reviewing the privacy policy of any external website before providing personal information.
17. Financial Information Disclaimer
Finovara publishes general financial and educational information.
Our content may discuss:
- Investments;
- Insurance;
- Loans;
- Credit cards;
- Savings;
- Fixed deposits;
- Cryptocurrencies;
- Personal finance; and
- Other financial topics.
The information provided on Finovara should not be interpreted as personalised financial, investment, legal, accounting, tax, or professional advice.
Financial products, interest rates, fees, eligibility requirements, returns, risks, and other terms can change.
You should independently verify important information with the relevant financial institution or a qualified professional before making financial decisions.
Finovara is not responsible for financial decisions made solely on the basis of information published on the Website.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- Changes to our Website;
- New technologies;
- Changes to our services;
- Changes to third-party providers;
- Changes to applicable laws or regulations; or
- Changes to our privacy practices.
When we make changes, we will update the “Last Updated” date at the top of this page.
We encourage visitors to periodically review this Privacy Policy.
19. Contact Us
If you have questions about this Privacy Policy, wish to exercise a privacy right, or have concerns about how your personal information is handled, please contact Finovara.
Website: https://finovara.co.za/
Email: info@finovara.co.za
Website Owner: Innocent mdluli
For privacy-related requests, please include enough information for us to understand and respond to your request. We may need to verify your identity before providing access to or changing personal information.
20. South African Information Regulator
If you are dissatisfied with how your personal information has been handled, you may have the right to contact the Information Regulator of South Africa, subject to applicable procedures.
The Information Regulator is the independent authority responsible for monitoring and enforcing compliance with POPIA and PAIA.
Official Information Regulator resources are available through its website and eServices platform.
21. Acceptance
By using Finovara, you acknowledge that you have read and understood this Privacy Policy.
This Privacy Policy should be read together with any other legal notices, terms and conditions, disclaimers, cookie notices, or other policies published on the Website.
Last Updated: 30 August 2026