Introduction

This application, SAVVY moola, as been developed, operated, and maintained by People Applications Service. People Applications Service is committed to protecting the privacy of your personal information whilst striving to provide the best user experience. Under the Protection of Personal Information Act, Number 4 of 2013 and related laws, People Applications Service has a legal duty to protect the personal information we collect from you.

Data We Collect

When you use our mobile app, we will collect the following types of personal information:

1. Personal Data

   We collect personal information that you provide directly, such as your name, email address, physical address, phone number, employment, income, banking institution, and about the tertiary institution attended. This data is collected during the onboarding process and/or user profile maintenance, and may be collected again when you reach out to SAVVY moola for support or assistance including content of communication or feedback.

2. Account Details

   This includes the username, password, preferences, and other information necessary for creating and maintaining your account. We store your username and encrypted password to allow you to securely log in and access your personal settings, history, and your account.

3. Payment information

   Subscriptions and in-app purchases are processed by third-parties such as Apple App Store and Google Play Store, which collect and store your payment information. We do not store your credit card details on our servers

4. Banking Information

   We collect banking details that you provide us with such as name of banking institution and type of account. We do not store or keep you bank account number. We collect this detail during the onboarding process to enable SAVVY moola to establish what is the best bank account for someone with a profile like yours.

5. Income And Expenses

   We collect and store your income and expenses that you directly provide to SAVVY moola. This data is used to provide you with:

   • A comprehensive report of your financial performance
   • Recommendations on where your spending needs to be directed in order to realise savings, and
   • Motivation to save more and make better financial decisions

6. Device Information

   We gather technical data about your mobile device, such as device type, hardware model, operating system, app and OS versions, mobile network information, device identifiers like the advertising ID, and IP address.
This detail is collected to ensure that the app is compatible and runs smoothly on your device.

7. Location Data

   With your permission, we may collect your device's location data to provide location-based features where applicable.

8. Usage Data

   We collect information about how you use SAVVY, including the features you access, the duration of usage, and any interactions with the app. For example, we track how often you use certain features of the app to improve your experience and optimise app functionality.

How We Use Your Information

We use the data we collect for various purposes, including:

1. To Provide and Improve Our Services

   We use the information you provide to us to deliver the services you request, improve app functionality, and ensure a personalised experience. The more accurate and complete the information is, the better the overall experience and insights become

2. For Customer Support and Communication

   Your contact information is used to respond to support requests, send updates, and resolve any issues related to your account or app usage

3. For Marketing and Promotions

   We may use your profile to notify you in a very discreet manner about promotional offers that may be beneficial to you. We do not share your contact details with third parties for them to send you marketing and promotions content without your consent

4. To Comply with Legal Obligations

   We may use your data to comply with legal obligations, such as responding to a subpoena or protecting the rights and safety of our users. In other words, if required by law, we may disclose certain information to law enforcement or regulatory bodies

Legal Basis for Processing

We process your data based on the following legal grounds:

1. Consent

   We process and store personal information that you provide to us. We do not receive data about you from other sources.

2. Performance of a Contract

   We process your data to fulfil the terms of any agreements you have with us

3. Legitimate Interests

   We may process your data for purposes aligned with our legitimate business interests, such as improving our app or conducting user analytics where data is anonymised

4. Compliance with Legal Obligations

   We may process your data to comply with legal requirements, such as tax reporting or responding to legal requests

Data Transfer Outside Country of Residence

We may need to transfer your personal data to countries outside your country of residence for processing. In such events, we will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

The applicable consumer data privacy or protection laws in other countries will take effect due to the ISO 27001 standard that SAVVY conforms to. For example, POPIA in South Africa and GDPR in the United Kingdom.

Use of Trackers

We may use tracking technologies to enhance your experience, understand how you interact with the app, and show personalised content or ads. You can manage your preferences in your device settings.

Data Subject Rights

Under applicable data protection laws, you have the following rights:

1. Access

   You can access and update your personal information through My Profile that’s available on the app. You can also access and view your financial data at any time

2. Rectification

   You have the right to correct any inaccurate or incomplete data we hold about you

3. Erasure

   You can request the deletion of your data under certain circumstances. We will retain only that which is required for legal compliance

Data Security

We implement a range of technical and organisational measures to protect your personal data from unauthorised access, disclosure, or misuse.

1. Encryption

   We use encryption to protect sensitive data, such as your full name, address, contact detail, date of birth, and employer. Our staff members cannot see this detail while it resides on our database

2. Access Controls

   SAVVY moola end users can only see their own personal data on the app and cannot see other user’s personal data

3. Data Storage

   Our database is operated and managed by a leading database provider, and they’re considered one of the world leaders in this area

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required to comply with our legal obligations.

Data Archiving

Should you decided to cancel your account, your data will remain on SAVVY moola as described in Data Retention section. The data may also be archived securely where access will be restricted and limited only to authorised personnel and systems that have permission to access the data. The archived data will not be given to third parties without consent.

Changes To This Policy

We may update this privacy policy from time to time. Any significant changes will be posted within the app or on our website, and we will update the "Effective Date" at the top of the policy.

Contact Us

If you have any questions or concerns about this privacy policy or how we handle your data, please contact us at:

• Email: savvy.info@pas-ict.co.za
• Phone: +2711 326 6479
• Address: First Floor, 155 West street, Sandton, 2031