Privacy Policy

1. Introduction

This Privacy Policy explains how Plentio collects, uses, and protects your personal information in accordance with the Protection of Personal Information Act (POPIA). Your privacy is important to us, and we are committed to transparency and responsible data handling.

2. Information We Collect

• Personal information (e.g. name, email)
• Financial data (e.g. bank account balances, transaction histories, income and expense data - only when you opt in)
• Technical data (e.g. IP address, browser type, device information)
• Usage data (e.g. pages visited, session duration, actions on the platform)

3. How We Use Your Information

• To deliver core platform functionality
• To personalise financial insights
• To improve our product and services
• To comply with regulatory obligations
• To communicate with you about updates, new features, or service issues

4. Lawful Basis for Processing

We only process your personal information where there is a lawful basis, including your consent, compliance with legal obligations, performance of a contract, or legitimate business interests that do not override your rights.

5. Data Sharing and Third Parties

We may share your data with:

• Trusted service providers under strict confidentiality
• Government or regulatory authorities if legally required
• Other third parties only with your explicit consent

6. Data Security

We take appropriate technical and organisational measures to protect your information. While no system is completely secure, we regularly monitor our systems for vulnerabilities and threats.

7. Your Rights Under POPIA

You have the right to:

• Request access to the personal data we hold about you
• Correct inaccurate or outdated information
• Withdraw consent for processing (where applicable)
• Request deletion of your data, unless legally required to retain it
• Lodge a complaint with the Information Regulator of South Africa

8. Cookies and Tracking

We use cookies and similar technologies to enhance your user experience. You can control or disable cookies via your browser settings. However, disabling cookies may affect functionality.

9. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes described in this policy or as required by law.

10. External Links

Our platform may contain links to third-party websites. We are not responsible for their privacy practices. Please review their policies before engaging with those services.

11. Policy Updates

This policy may be updated from time to time. We will notify users of material changes through the platform or email.

12. Contact Us

If you have questions about this Privacy Policy, contact our Information Officer at privacy@plentio.co.za.