Privacy Policy

Information We Collect

At xerlimahub, we're committed to being transparent about the information we collect and how we use it. When you use our budget analysis platform, we collect various types of information to provide you with the best possible service. This includes information you provide directly to us, information we collect automatically, and information we receive from third parties.

Personal Information You Provide

Automatically Collected Information

We automatically collect certain information when you visit our website or use our services. This includes technical information about your device, browser, and how you interact with our platform. We use this information to improve our services, ensure security, and provide you with a better user experience.

How We Use Your Information

We use the information we collect for several important purposes. Our primary goal is to provide you with excellent budget analysis services while maintaining the highest standards of data protection. We never sell your personal information to third parties, and we only share it in specific circumstances outlined in this policy.

Data Sharing and Disclosure

We understand that your financial information is sensitive, and we take great care in how we handle it. We don't sell, rent, or trade your personal information. However, there are specific situations where we may need to share your information with trusted partners or as required by law.

Service Providers

We work with carefully selected third-party service providers who help us deliver our services. These providers have access to your information only to perform specific tasks on our behalf and are obligated to protect your information in accordance with this privacy policy.

Legal Requirements

We may disclose your information when required by law, such as to comply with a subpoena, court order, or other legal process. We may also share information when we believe it's necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, or situations involving potential threats to safety.

Your Rights and Choices

You have important rights regarding your personal information. We respect these rights and have implemented procedures to help you exercise them. If you have any questions about your rights or how to exercise them, please contact us using the information provided at the end of this policy.

Access and Correction

You have the right to access the personal information we hold about you and to request corrections if it's inaccurate or incomplete. We'll respond to your request within 30 days and provide you with a copy of your information in a commonly used format.

Data Portability

You can request a copy of your personal information in a structured, machine-readable format. This allows you to transfer your data to another service provider if you choose to do so.

Deletion Rights

You can request that we delete your personal information, subject to certain exceptions. We'll honor your request unless we have a legitimate reason to retain the information, such as legal compliance or ongoing service provision.

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include both technical and organizational measures designed to ensure the confidentiality, integrity, and availability of your data.

Technical Safeguards

We use industry-standard encryption to protect your data both in transit and at rest. Our systems are regularly updated with the latest security patches, and we conduct regular security assessments to identify and address potential vulnerabilities.

Organizational Measures

Access to your personal information is restricted to authorized personnel who need it to perform their job functions. All employees receive regular training on data protection and privacy requirements, and we maintain strict confidentiality obligations.

International Data Transfers

While xerlimahub operates primarily in South Africa, we may transfer your personal information to other countries for processing or storage purposes. When we do this, we ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy.

Any international transfers are conducted in compliance with applicable data protection laws and include appropriate safeguards such as standard contractual clauses or adequacy decisions by relevant authorities.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we securely delete or anonymize it.

Retention Periods

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information as soon as possible.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. We'll notify you of any material changes by posting the updated policy on our website and updating the effective date.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.