Privacy Policy
At tharnelovia, we take your privacy seriously. This document explains how we collect, use, and protect your personal information when you interact with our financial security services.
Last Updated: January 2026Who We Are and How to Reach Us
tharnelovia operates as a financial security education provider based in South Africa. We're registered at Shop 45 O.R. Tambo St, Klerksdorp Central, Klerksdorp, 4066, and we follow the Protection of Personal Information Act (POPIA) guidelines that govern how South African businesses handle personal data.
If you have questions about how we handle your information, you can reach our privacy team at support@tharnelovia.world or call us at +27795495213 during business hours.
Information We Collect From You
We gather different types of information depending on how you interact with our services. Here's what we typically collect:
Direct Information You Provide
- Your name, email address, and phone number when you sign up for our programs
- Billing details and payment information when you enroll in courses
- Educational background and career goals to tailor program recommendations
- Communication preferences for newsletters and course updates
- Feedback and responses when you participate in surveys or contact support
Automatic Information Collection
- Browser type and device information when you visit our website
- IP address and general location data for security purposes
- Pages you visit and how long you spend on different sections
- Course progress and completion rates within our learning platform
Important: We don't collect sensitive financial account details like bank login credentials or credit card CVV numbers. Payment processing happens through secure third-party providers who maintain their own security standards.
How We Use Your Information
Your data helps us run our education platform and provide better service. We use it for several specific purposes:
| Purpose | What This Means |
|---|---|
| Service Delivery | Processing enrollments, granting course access, and tracking your learning progress |
| Communication | Sending course materials, program updates, and responding to your questions |
| Payment Processing | Handling transactions and maintaining billing records for enrolled programs |
| Platform Improvement | Analyzing usage patterns to enhance course content and user experience |
| Security | Protecting against unauthorized access and potential fraudulent activity |
| Legal Compliance | Meeting South African regulatory requirements and tax obligations |
We don't sell your personal information to third parties. Period. We also don't use your data for purposes beyond what's described here without asking for your explicit consent first.
Sharing Your Information
Sometimes we need to share limited information with other organizations to provide our services. Here's when and why that happens:
Service Providers We Work With
- Payment processors who handle transactions securely on our behalf
- Email service providers that help us send course materials and updates
- Cloud hosting companies that store our platform data safely
- Analytics tools that help us understand how people use our website
These partners only get the minimum information needed to do their job, and they're contractually required to protect your data according to South African privacy standards.
Legal Requirements
We might share information if we're legally required to do so by South African authorities, or if we need to protect our rights in legal proceedings. This doesn't happen often, but we're legally obligated to comply with valid court orders and similar requests.
Your Rights Under South African Law
POPIA gives you several rights regarding your personal information. You can exercise these rights by contacting us:
- Access your data and request copies of what we hold about you
- Correct inaccurate or outdated information in your profile
- Delete your account and associated data when you no longer need our services
- Object to certain processing activities if you have legitimate concerns
- Withdraw consent for communications you previously agreed to receive
- Request data portability to move your information to another provider
- Lodge a complaint with the Information Regulator if you're unhappy with how we handle your data
To exercise any of these rights, send an email to support@tharnelovia.world with your request. We'll respond within 30 days and verify your identity before making any changes to protect your security.
How We Protect Your Information
Security isn't just a checkbox for us. We've implemented several layers of protection:
- Encrypted connections (SSL/TLS) for all data transmitted through our website
- Secure servers with regular security patches and updates
- Access controls that limit who on our team can view personal information
- Regular security audits to identify and fix potential vulnerabilities
- Backup systems to prevent data loss from technical failures
That said, no online system is completely bulletproof. We do our best to protect your information, but we can't guarantee absolute security. You should use strong passwords and keep your login credentials private.
How Long We Keep Your Data
We don't keep information longer than necessary. Here's our general retention approach:
| Data Type | Retention Period |
|---|---|
| Active Student Records | Duration of enrollment plus 2 years for educational records |
| Financial Transaction Data | 7 years to comply with South African tax requirements |
| Marketing Communications | Until you unsubscribe or request deletion |
| Website Analytics | 26 months of aggregated, anonymized usage data |
| Support Correspondence | 3 years for quality assurance and dispute resolution |
When we delete data, we make sure it's permanently removed from our active systems. Backup copies might persist for a short period but are also deleted during routine backup cycles.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These are small files that help our site work properly and remember your preferences.
Types of Cookies We Use
- Essential cookies that make the website function (like keeping you logged in)
- Performance cookies that show us which pages are most popular
- Preference cookies that remember your settings between visits
You can control cookies through your browser settings. Most browsers let you block cookies entirely, though this might affect how our site works for you. Check your browser's help section for specific instructions on managing cookies.
Third-Party Links and Services
Our website occasionally links to external resources and tools that might be useful for your financial education. These third-party sites have their own privacy policies that we don't control.
When you click a link that takes you away from tharnelovia.world, you're subject to that other site's privacy practices. We recommend reading their policies before sharing personal information.
Changes to This Privacy Policy
We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active users by email and post a notice on our website.
The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically, especially if you haven't checked in a while.
International Data Considerations
Our primary operations are based in South Africa, and we store most data on servers located here. If you're accessing our services from outside South Africa, your information might be transferred across borders.
We take steps to ensure any international transfers meet appropriate data protection standards, though laws vary between countries. By using our services, you acknowledge this potential for cross-border data movement.
Questions or Concerns?
Privacy can feel complicated, and we get that. If anything in this policy is unclear or you have specific questions about how we handle your information, please reach out.