Privacy policy

PRIVACY POLICY

Last updated: 25 July 2026

Finance with Zanele is operated by Finance with Zanele (Pty) Ltd (“Finance with Zanele”, “we”, “us” or “our”).

This Privacy Policy explains how we collect, use, store, share and protect personal information when you visit www.financewithzanele.co.za, purchase an online course or downloadable resource, create an account, subscribe to our newsletter, book a consultation or otherwise interact with us.

We process personal information in accordance with applicable South African law, including the Protection of Personal Information Act 4 of 2013 (“POPIA”).

  1. RESPONSIBLE PARTY

The responsible party for personal information processed through this website is:

Business and trading name: Finance with Zanele
Legal entity: Finance with Zanele (Pty) Ltd
Email: zanele@financewithzanele.co.za
Telephone: 021 201 6443
Business address: Unit 1C, Menlyn Woods Office Park, 291 Sprite Avenue, Faerie Glen, Pretoria, 0081
Website: www.financewithzanele.co.za

  1. PERSONAL INFORMATION WE COLLECT

The personal information we collect depends on how you interact with our website and services. It may include:

  • Your name, surname, email address and telephone number.

  • Your billing address and other information required to process an order.

  • Account details, login information and course-access information.

  • Courses, downloads or services you view, purchase or access.

  • Order details, transaction records, payment status and refund requests.

  • Course enrolment, progress, quiz results and completion information.

  • Information you provide when contacting us, submitting a form or booking a consultation.

  • Your newsletter subscription status and communication preferences.

  • Reviews, feedback, enquiries and support requests.

  • Device information, browser type, IP address and general website-usage information.

  • Cookie identifiers and analytics information.

  • Information required to prevent fraud, protect accounts and maintain website security.

Payments are processed by the payment provider displayed during checkout, which may include Paystack. We do not ordinarily receive or store your complete payment-card number, card security code, PIN or online-banking credentials.

Please do not submit identity numbers, passwords, bank-account details, complete policy numbers, detailed medical information or other unnecessary sensitive information through our general contact forms or email.

  1. HOW WE COLLECT PERSONAL INFORMATION

We may collect personal information:

  • Directly from you when you place an order, create an account, join our newsletter, complete a form, contact us or book a consultation.

  • Automatically through cookies and similar technologies when you use our website.

  • Through Shopify and applications used to operate our online store.

  • From our payment provider when it confirms or reports a transaction.

  • Through our course-delivery, newsletter, analytics and customer-support platforms.

  • From another person where you have authorised that person to provide information on your behalf.

  • From public or lawful sources where permitted by law.

  • Where collection is authorised or required by law.

Providing personal information is generally voluntary. However, certain information is required to process an order, provide course access, respond to a request or perform our contractual obligations. If you do not provide the required information, we may be unable to provide the relevant product or service.

  1. HOW AND WHY WE USE PERSONAL INFORMATION

We may process personal information to:

  • Operate, maintain and secure our website and online store.

  • Process orders, payments, refunds and customer accounts.

  • Provide access to purchased courses and downloadable resources.

  • Record course enrolment, progress and completion.

  • Send order confirmations, receipts and service-related communications.

  • Respond to enquiries and provide customer support.

  • Manage consultation requests and appointments.

  • Send newsletters and promotional communications where permitted.

  • Record and manage marketing preferences and unsubscribe requests.

  • Prevent fraud, account misuse, unauthorised access and unlawful activity.

  • Monitor and improve our website, courses, resources and customer experience.

  • Perform analytics and understand how visitors use our website.

  • Maintain accounting, tax, transaction and business records.

  • Establish, exercise or defend legal rights.

  • Meet legal, regulatory and contractual obligations.

We process personal information where:

  • You have given consent.

  • Processing is necessary to enter into or perform a contract with you.

  • Processing is required by law.

  • Processing protects a legitimate interest of yours.

  • Processing is necessary for our legitimate interests or those of a third party, subject to your rights and applicable law.

  • Another lawful justification under POPIA applies.

We will not use personal information for a purpose that is materially incompatible with the purpose for which it was collected unless permitted by law or you provide further consent.

  1. NEWSLETTER AND DIRECT MARKETING

You may voluntarily subscribe to the Finance with Zanele newsletter to receive financial education, practical money guidance, course information, resources and related updates.

We send electronic direct marketing only where you have consented or where applicable law otherwise permits it.

You may unsubscribe at any time by:

We will process unsubscribe requests without unnecessary delay. Unsubscribing from marketing will not prevent us from sending essential communications concerning an order, payment, account, course or service you requested.

We do not sell newsletter lists or email addresses.

  1. PAYMENTS

Payments are processed through the payment provider displayed during checkout, which may include Paystack.

The payment provider processes payment information in accordance with its own privacy policy, terms and security requirements.

We may receive transaction information such as your name, email address, amount paid, payment status, payment method, transaction date and transaction reference. We do not ordinarily receive or store your complete card or online-banking credentials.

You should review the payment provider’s privacy policy before completing a transaction.

  1. ONLINE COURSES AND DIGITAL RESOURCES

When you purchase or access a course, we may provide the information reasonably necessary to our course-delivery platform. This may include:

  • Your name and email address.

  • Order and enrolment information.

  • The course purchased.

  • Course access and progress information.

  • Quiz results and completion status.

  • Information required to provide technical support.

This information may be used to:

  • Create and manage your course account.

  • Give you access to purchased content.

  • Record progress and completion.

  • Provide technical assistance.

  • Protect course content from unauthorised access or sharing.

  • Issue a certificate of completion where applicable.

A certificate of completion confirms completion of the relevant Finance with Zanele course. It does not constitute a registered qualification, professional designation, academic credit or CPD accreditation unless this is expressly stated.

  1. SHOPIFY

Our online store is hosted by Shopify. Shopify processes personal information required to operate the store, provide checkout functionality, maintain security, protect transactions and provide its services.

Information submitted through the website may be processed by Shopify and its authorised service providers in South Africa or other countries.

You can read the Shopify Consumer Privacy Policy at:

https://www.shopify.com/za/legal/privacy/consumers

  1. SERVICE PROVIDERS AND DISCLOSURE

We may provide personal information to service providers that assist us with:

  • Ecommerce and website operation.

  • Payment processing.

  • Online-course delivery.

  • Email and newsletter distribution.

  • Website hosting, cloud storage and security.

  • Analytics and website-performance monitoring.

  • Customer service and communications.

  • Accounting, legal, compliance and professional services.

  • Fraud prevention and transaction security.

These providers should receive only the information reasonably necessary to perform their services and must process it subject to appropriate confidentiality, security and data-protection obligations.

We may also disclose personal information:

  • When you request or consent to the disclosure.

  • When required by law, regulation, court order or lawful legal process.

  • To investigate or prevent fraud, security threats, misuse or unlawful activity.

  • To protect our rights, customers, systems or property.

  • To enforce our terms and agreements.

  • In connection with a lawful business sale, merger, restructuring or transfer.

We do not sell personal information.

  1. COOKIES AND ANALYTICS

We and our service providers may use cookies and similar technologies to:

  • Operate essential website, store and checkout functions.

  • Remember your preferences, login or shopping cart.

  • Maintain website and account security.

  • Understand website traffic and performance.

  • Improve our content, services and user experience.

  • Measure the effectiveness of marketing where permitted.

  • Display relevant content or advertising where applicable and lawfully authorised.

Where required, non-essential cookies will be used according to your consent choices.

You may manage cookies through your browser settings or any cookie-consent tool available on the website. Disabling essential cookies may prevent parts of the store, checkout or course platform from functioning correctly.

  1. CROSS-BORDER PROCESSING

Shopify and some of our other service providers may process or store personal information outside South Africa.

Where personal information is transferred outside South Africa, we take reasonable steps to ensure that the recipient is subject to appropriate privacy protections, contractual safeguards, binding rules or another lawful transfer mechanism recognised under POPIA.

By using internationally operated platforms, your information may be processed in countries whose privacy laws differ from those of South Africa.

  1. INFORMATION SECURITY

We use reasonable technical and organisational safeguards designed to protect personal information against:

  • Loss or damage.

  • Unauthorised access or disclosure.

  • Misuse or unlawful processing.

  • Alteration or destruction.

Our safeguards may include access controls, secure technology, service-provider assessments, password protection, data minimisation and appropriate internal procedures.

No online service, database or transmission method can be guaranteed to be completely secure. You are responsible for protecting your account credentials and should notify us promptly if you believe that your account or information has been compromised.

Where required by POPIA, we will notify the Information Regulator and affected individuals of a qualifying security compromise as soon as reasonably possible, subject to applicable legal requirements.

  1. RETENTION OF INFORMATION

We retain personal information only for as long as reasonably necessary to:

  • Provide purchased products, services and course access.

  • Maintain customer, transaction and completion records.

  • Meet tax, accounting, regulatory and legal requirements.

  • Respond to disputes, complaints or legal claims.

  • Enforce our agreements.

  • Maintain unsubscribe, objection and consent records.

  • Protect our legitimate business interests.

Different categories of information may be retained for different periods.

When information is no longer required or authorised to be retained, we will delete, destroy or de-identify it in a manner that prevents its reconstruction, subject to legal requirements and reasonable technical limitations.

  1. CHILDREN’S PERSONAL INFORMATION

Some Finance with Zanele educational content may be relevant to teenagers. However, a child may not independently purchase products or create an account where South African law requires the assistance or consent of a competent person, such as a parent or legal guardian.

Where we knowingly process a child’s personal information, we will do so only with the consent of a competent person or where another lawful basis permits the processing.

Parents and guardians should supervise children’s use of the website and should not allow children to submit unnecessary personal or financial information.

A parent or guardian who believes that a child provided personal information without appropriate authorisation may contact us to request that the information be reviewed or deleted.

  1. YOUR RIGHTS UNDER POPIA

Subject to applicable law, you may have the right to:

  • Ask whether we hold personal information about you.

  • Request access to the personal information we hold about you.

  • Request correction or updating of inaccurate or incomplete information.

  • Request deletion or destruction of information where legally permitted.

  • Object to certain processing.

  • Withdraw consent where processing depends on consent.

  • Object to direct marketing.

  • Unsubscribe from marketing communications.

  • Request information about the identity of third parties that have had access to your information, where applicable.

  • Submit a complaint about the way we process personal information.

Certain rights may be limited where we are required to retain information by law, complete a transaction, maintain course-access records, resolve a dispute or protect legal rights.

We may need to verify your identity before responding to a request. We will use information supplied for identity verification only for that purpose and related security requirements.

  1. PRIVACY REQUESTS AND COMPLAINTS

For access, correction, deletion, objection, consent withdrawal or other privacy requests, contact:

Email: zanele@financewithzanele.co.za
Telephone: 021 201 6443

Please describe your request clearly and provide enough information for us to identify the relevant record. Do not send passwords, PINs or complete banking credentials.

We will consider and respond to requests in accordance with POPIA and other applicable law.

  1. INFORMATION REGULATOR

If you are not satisfied with our response, you may submit a complaint to the Information Regulator of South Africa.

Website: https://inforegulator.org.za/complaints/
Email: POPIAComplaints@inforegulator.org.za
General enquiries: enquiries@inforegulator.org.za
Telephone: 010 023 5200
Toll-free: 0800 017 160

The Information Regulator may update its contact details or complaint procedures. Please consult its official website for the latest information.

  1. THIRD-PARTY WEBSITES

Our website may contain links to social-media platforms, payment providers or other third-party websites that we do not control.

These parties process personal information according to their own privacy policies and terms. We are not responsible for their privacy practices, security or content. You should review the relevant third-party policies before providing personal information.

  1. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy to reflect changes to our services, technology, service providers or legal obligations.

The updated policy will be published on this website with a revised “Last updated” date. Where required by law, we will provide additional notice or request further consent.

  1. CONTACT US

For questions, complaints or requests relating to this Privacy Policy or your personal information, contact:

Finance with Zanele
Operated by Finance with Zanele (Pty) Ltd
Email: zanele@financewithzanele.co.za
Telephone: 021 201 6443
Business address: Unit 1C, Menlyn Woods Office Park, 291 Sprite Avenue, Faerie Glen, Pretoria, 0081
Website: www.financewithzanele.co.za