Privacy Policy

1. Introduction

Legacy Vault SA ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our estate planning and tax advisory services.

As a financial services provider operating in South Africa, we comply with the Protection of Personal Information Act (POPIA), the Financial Intelligence Centre Act (FICA), and other applicable South African laws.

2. Information We Collect

2.1 Personal Information

• Full name, ID number, and contact details
• Financial information including assets, liabilities, and income
• Tax information and SARS registration details
• Estate planning documents and beneficiary information
• Employment and business details
• Bank account and investment information

2.2 Technical Information

• IP address, browser type, and device information
• Usage data and platform interactions
• Cookies and similar tracking technologies

3. How We Use Your Information

• Provide estate planning and tax advisory services
• Calculate taxes, duties, and compliance obligations
• Prepare legal documents and submissions
• Comply with FICA, POPIA, and SARS requirements
• Communicate about your services and account
• Improve our platform and services
• Detect and prevent fraud

4. Information Sharing and Disclosure

We may share your information with:

• Regulatory authorities: SARS, Financial Intelligence Centre (FIC), and other government bodies as required by law
• Professional service providers: Attorneys, accountants, and tax practitioners working on your matter
• Financial institutions: Banks and investment platforms for estate administration
• Service providers: Third-party vendors who assist in providing our services
• Legal compliance: When required by court order, subpoena, or legal process

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Staff training on data protection
• Secure physical and digital storage facilities

6. Your Rights Under POPIA

You have the right to:

• Access your personal information
• Correct or update inaccurate information
• Delete personal information (subject to legal obligations)
• Object to processing in certain circumstances
• Lodge a complaint with the Information Regulator
• Withdraw consent where processing is based on consent

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Estate planning documents and tax records are typically retained for a minimum of 5 years after the completion of services, or longer as required by law.

8. Contact Information

For questions about this Privacy Policy or to exercise your rights, contact:

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our platform and updating the "Last Updated" date.