Privacy Policy

At pentrivoxgroup, we collect various types of information to provide you with personalized financial planning services and improve your experience on our platform. Understanding what information we collect and why helps you make informed decisions about your privacy.

Personal Information You Provide

When you create an account or use our services, you may provide us with personal information including:

• Name, email address, and phone number
• Financial information such as income, expenses, and investment goals
• Banking details for account linking and transaction processing
• Government-issued identification numbers for verification purposes
• Employment information and professional details

Automatically Collected Information

We automatically collect certain information about your device and usage patterns:

• IP address, browser type, and operating system
• Pages visited, time spent on our platform, and interaction patterns
• Device information including screen size, installed fonts, and plugins
• Location data when you enable location services
• Cookies and similar tracking technologies data

Your information helps us deliver personalized financial planning services and continuously improve our platform. We use collected data for several specific purposes, each designed to enhance your experience while maintaining your privacy.

Service Delivery

We use your information to provide core financial planning services including:

• Creating personalized financial plans based on your goals and circumstances
• Processing transactions and managing your account
• Providing customer support and responding to your inquiries
• Sending important account notifications and service updates
• Conducting financial analysis and generating reports

Platform Improvement

We analyze usage patterns to enhance our services:

• Identifying areas for platform improvement and new feature development
• Conducting research to better understand user needs and preferences
• Testing new features and measuring their effectiveness
• Optimizing our website performance and user experience

We believe in transparency about how your information is shared. pentrivoxgroup does not sell your personal information to third parties. However, we may share your information in specific circumstances to provide our services effectively.

Service Providers

We work with trusted third-party service providers who help us deliver our services:

• Cloud hosting providers for secure data storage and processing
• Payment processors for handling financial transactions
• Analytics providers for understanding platform usage
• Customer support tools for providing assistance
• Marketing platforms for sending communications with your consent

Legal Requirements

We may disclose your information when required by law or to protect our rights:

• Compliance with legal processes, court orders, or government requests
• Protection against fraud, security threats, or illegal activities
• Enforcement of our terms of service and other agreements
• Protection of the rights, property, or safety of pentrivoxgroup, our users, or others

Protecting your personal and financial information is our top priority. We implement comprehensive security measures using industry-standard practices and cutting-edge technology to safeguard your data.

Technical Safeguards

Our security infrastructure includes multiple layers of protection:

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure data centers with physical access controls
• Automated threat detection and response systems

Operational Security

We maintain strict operational procedures to protect your information:

• Employee background checks and security training
• Limited access to personal information on a need-to-know basis
• Regular security awareness training for all staff members
• Incident response procedures for potential security breaches
• Continuous monitoring of our systems for suspicious activity

Your Role in Security

You play an important role in keeping your information secure:

• Use strong, unique passwords for your pentrivoxgroup account
• Enable two-factor authentication when available
• Keep your contact information up to date
• Report any suspicious activity immediately
• Log out of your account when using shared devices

You have significant control over your personal information. We respect your privacy rights and provide easy ways to exercise them. Understanding these rights helps you make informed decisions about your data.

Access and Portability

You have the right to access and obtain copies of your personal information:

• Request a copy of all personal information we hold about you
• Receive your data in a structured, commonly used format
• Transfer your information to another service provider
• Access your account dashboard to view and download your data

Correction and Updates

You can correct or update your personal information at any time:

• Update your profile information through your account settings
• Request corrections to inaccurate or incomplete information
• Add or remove information from your account
• Contact our support team for assistance with updates

Deletion and Restriction

You have rights regarding the deletion and processing of your information:

• Request deletion of your personal information
• Restrict processing of your information in certain circumstances
• Object to processing based on legitimate interests
• Withdraw consent for specific processing activities

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

Retention Periods

Different types of information are retained for different periods:

• Account Information: Retained while your account is active, plus 7 years after closure for legal compliance
• Financial Data: Retained for 10 years after account closure as required by South African financial regulations
• Communications: Retained for 3 years for customer service and legal purposes
• Usage Analytics: Anonymized and retained for 2 years for platform improvement
• Marketing Data: Retained until you withdraw consent or 5 years of inactivity

Secure Deletion

When retention periods expire, we securely delete your information:

• Secure deletion from all systems and backups
• Destruction of physical documents containing personal information
• Anonymization of data used for statistical purposes
• Certification of deletion when required by law

We use cookies and similar technologies to enhance your experience on our platform. Cookies help us remember your preferences, analyze usage patterns, and provide personalized content.

Types of Cookies

We use several types of cookies for different purposes:

• Essential Cookies: Required for basic platform functionality and security
• Performance Cookies: Help us understand how visitors interact with our platform
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements with your consent

Cookie Management

You have control over cookie settings:

• Adjust your browser settings to block or delete cookies
• Use our cookie preference center to manage specific types
• Opt out of non-essential cookies while maintaining functionality
• Clear existing cookies from your browser at any time