Privacy Policy

At zoviralonline, we collect various types of information to provide you with our budget forecasting services effectively. Understanding what information we collect and why helps you make informed decisions about your privacy.

Personal Information You Provide:

• Account registration details including name, email address, and phone number
• Financial information such as income, expenses, and budget categories you choose to input
• Payment information for subscription services (processed securely through third-party processors)
• Communication preferences and support requests
• Profile information including preferences for budget categories and financial goals

Information Automatically Collected:

• Device information including IP address, browser type, and operating system
• Usage patterns within our platform, including features accessed and time spent
• Log data including timestamps of actions and error reports
• Location data (general region only) for service optimization

Your information serves specific purposes that directly enhance your experience with our budget forecasting platform. We believe in transparency about how your data works for you.

Service Delivery:

• Creating personalized budget forecasts based on your spending patterns and financial goals
• Providing recommendations for budget optimization and expense tracking
• Generating reports and analytics about your financial trends
• Sending notifications about budget limits, unusual spending, or goal achievements
• Maintaining your account security and preventing unauthorized access

Platform Improvement:

• Analyzing usage patterns to enhance platform features and user experience
• Developing new forecasting algorithms and budgeting tools
• Identifying and fixing technical issues or bugs
• Conducting research to improve financial planning methodologies

Communication:

• Sending important updates about your account or service changes
• Providing customer support and responding to your inquiries
• Sharing educational content about budgeting and financial planning (with your consent)
• Notifying you about new features that might benefit your financial planning

We maintain strict controls over your personal information and only share it in specific, limited circumstances. Your financial data is particularly sensitive, and we treat it with the highest level of protection.

Service Providers:

We work with trusted third-party service providers who assist in delivering our platform services. These partners include:

• Cloud hosting providers for secure data storage and platform infrastructure
• Payment processors for handling subscription payments (they never receive your forecasting data)
• Email service providers for account communications and notifications
• Analytics providers for understanding platform usage and improving services

Legal Requirements:

We may disclose your information when required by law, such as:

• Responding to valid legal requests from South African authorities
• Complying with court orders or regulatory investigations
• Protecting the rights and safety of our users or the public
• Investigating suspected fraudulent or illegal activities

Protecting your financial information is our top priority. We employ multiple layers of security measures to safeguard your data against unauthorized access, alteration, or disclosure.

Technical Safeguards:

• 256-bit SSL encryption for all data transmission between your device and our servers
• Advanced encryption at rest for all stored data using AES-256 standards
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication options for account access
• Secure database architecture with restricted access controls

Operational Security:

• Limited employee access to personal data on a need-to-know basis
• Comprehensive background checks for all staff handling user data
• Regular security training and awareness programs for our team
• Incident response procedures for any potential security breaches
• Continuous monitoring of our systems for suspicious activities

Infrastructure Security:

• Secure cloud infrastructure with enterprise-grade security certifications
• Regular backups with encrypted storage in geographically distributed locations
• Network security measures including firewalls and intrusion detection systems
• Physical security controls at data center facilities

You have significant control over your personal information and how it's used within our platform. We provide various tools and options to help you manage your privacy preferences effectively.

Access and Control:

• View and download all personal data we have about you through your account dashboard
• Update or correct any inaccurate information in your profile settings
• Export your financial data and budget information in standard formats
• Control communication preferences and notification settings
• Manage third-party integrations and data sharing preferences

Data Deletion Rights:

• Request complete deletion of your account and all associated data
• Delete specific types of information while maintaining your account
• Remove historical data beyond certain time periods
• Disconnect and delete data from third-party integrations

How to Exercise Your Rights:

You can exercise most of these rights directly through your account settings. For more complex requests or if you need assistance:

• Contact our privacy team at privacy@zoviralonline.com
• Use the data management tools in your account dashboard
• Submit a formal request through our support system
• We respond to all privacy requests within 30 days

We retain your information only as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. Our retention practices balance your privacy rights with practical service needs.

Retention Periods:

• Active account data: Retained while your account remains active
• Financial forecasting data: Kept for up to 7 years for analysis and service improvement
• Communication records: Stored for 3 years for customer service purposes
• Technical logs: Automatically deleted after 12 months
• Marketing preferences: Retained until you opt out or delete your account

Deletion Process:

When you delete your account or request data deletion:

• Personal identifying information is removed within 30 days
• Financial data is anonymized and may be retained for statistical analysis
• Backup systems are purged during regular maintenance cycles
• Some data may be retained longer if required by law or for legitimate business purposes

Inactive Accounts:

If your account remains inactive for more than 24 months, we will:

• Send notice to your registered email address
• Provide 90 days to reactivate your account
• Delete your account and data if no response is received
• Allow you to recover your data during the notice period

While zoviralonline is based in South Africa, some of our service providers and infrastructure may be located in other countries. We ensure appropriate safeguards are in place for any international data transfers.

Transfer Safeguards:

• All international transfers comply with South African privacy laws
• We use service providers in countries with adequate data protection laws
• Contractual protections ensure your data receives equivalent protection abroad
• Regular audits verify compliance with international privacy standards

Data Localization:

• Primary data storage remains within South Africa when possible
• Backup systems may be distributed globally for security and reliability
• Processing activities are primarily conducted within South Africa
• Cross-border transfers are limited to essential service operations

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used.

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
• Performance cookies: Monitor platform performance and identify issues

Managing Cookie Preferences:

• Adjust cookie settings through your account preferences
• Use your browser settings to block or delete cookies
• Opt out of analytics tracking while maintaining essential functionality
• Contact us for assistance with cookie management

Note that disabling certain cookies may affect platform functionality and your user experience.

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. We're committed to keeping you informed about how we protect your information.

Notification Process:

• Material changes will be communicated via email to all active users
• Policy updates will be posted on our website with clear change notifications
• We provide at least 30 days' notice before significant changes take effect
• Continued use of our services after changes indicates acceptance

Version Control:

• Each policy version includes an effective date and change summary
• Previous versions are archived and available upon request
• We maintain detailed records of all policy modifications