Privacy Policy

Information We Collect

ferlontrahub collects various types of information to provide you with personalized financial education services and improve your learning experience. We're transparent about what we collect and why.

How We Use Your Information

Your information helps us create a better learning experience and provide relevant financial education content. Here's exactly how we use what you share with us:

• Personalize your learning journey with courses and content suited to your financial goals
• Send you educational updates, course recommendations, and platform notifications
• Analyze platform usage to improve our educational offerings and user experience
• Provide customer support and respond to your questions and feedback
• Ensure platform security and prevent unauthorized access to your account
• Comply with legal requirements and protect against fraud or abuse
• Generate anonymized insights about learning patterns to enhance our curriculum

Marketing Communications

We may send you educational content, course announcements, and financial tips based on your interests. You can opt out of marketing emails at any time using the unsubscribe link in our messages or by adjusting your account preferences.

Information Sharing and Disclosure

ferlontrahub values your privacy and maintains strict policies about sharing your personal information. We only share your data in specific circumstances and with your best interests in mind.

When We Share Information

• With trusted service providers who help us operate the platform (hosting, email services, analytics)
• When required by law, court orders, or government regulations
• To protect our rights, property, or safety, or that of our users
• In connection with a business merger, acquisition, or sale of assets (with advance notice)
• With your explicit consent for specific partnerships or services

Your Privacy Rights

You have important rights regarding your personal information. We're committed to helping you exercise these rights and maintaining control over your data.

How to Exercise Your Rights

To exercise any of these rights, contact us at info@ferlontrahub.com or use the privacy controls in your account settings. We'll respond to your request within 30 days and may need to verify your identity to protect your information.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Your data security is fundamental to our operations.

• Encryption

  All data transmitted between your device and our servers is encrypted using industry-standard SSL/TLS protocols

• Access Controls

  Strict employee access controls ensure only authorized personnel can access your information on a need-to-know basis

• Regular Audits

  We conduct regular security audits and vulnerability assessments to identify and address potential risks

• Secure Storage

  Your data is stored in secure, monitored data centers with multiple layers of physical and digital protection

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests.

Retention Periods

• Account information: Retained while your account is active and for 3 years after closure
• Learning progress and course data: Retained for 5 years to support continuity of education
• Communication records: Retained for 2 years for customer service and legal compliance
• Financial transaction records: Retained for 7 years as required by South African law
• Marketing consent records: Retained until you withdraw consent plus 1 year for compliance

Automatic Deletion

We automatically delete personal information when retention periods expire, unless longer retention is required by law or legitimate business needs. You can request earlier deletion by contacting our privacy team.

International Data Transfers

ferlontrahub operates primarily within South Africa, but some of our service providers may be located in other countries. When we transfer your data internationally, we ensure appropriate safeguards are in place.

Transfer Safeguards

• We only transfer data to countries with adequate data protection laws or under approved transfer mechanisms
• All international service providers must sign data processing agreements with strict privacy protections
• We regularly review and audit our international data transfer practices
• You have the right to request information about any international transfers of your data

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns to improve our services.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality and security
• Preference cookies: Remember your settings and customization choices
• Analytics cookies: Help us understand how you use our platform to make improvements
• Marketing cookies: Enable personalized content and relevant educational recommendations

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform features and functionality.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We're committed to keeping you informed about any changes that affect your privacy.

How We Handle Updates

• We'll notify you of significant changes via email or prominent platform notifications
• Minor updates will be posted on this page with an updated "Last Modified" date
• We'll provide 30 days' notice before any changes that significantly affect your rights
• Continued use of our platform after changes indicates acceptance of the updated policy