Privacy Policy

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Zamzi SA Privacy Policy
Effective Date: 18 March 2026

1. Who We Are

Zamzi Money Manager ("we", "us", "our") provides financial tools at https://money.zamzi.co.za. We are committed to lawful, transparent, and secure processing of personal information in line with the Protection of Personal Information Act, 4 of 2013 (POPIA).

For privacy requests, contact admin@zamzi.co.za.

2. POPIA Responsible Party

Zamzi is the Responsible Party for personal information processed through this platform. We use third-party operators (service providers) only under contractual confidentiality and security obligations.

3. Information We Process

Depending on your use of the platform, we may process:

  • Account Data: Name, email address, user ID, profile information.
  • Subscription and Credit Data: Payment events, purchase status, available AI prompts/playbook credits, billing timestamps.
  • Support Data: Messages you send to us via forms or email.
  • Usage and Device Data: Basic technical logs used for security, debugging, and service reliability.
  • Financial Entries You Capture: Transaction, budgeting, and planning records you enter in the app.

Important: Many finance tool inputs are stored locally in your browser storage on your device. Some account, payment, entitlement, and service operation data is processed in cloud infrastructure to provide login, payment verification, and premium feature access.

4. Why We Process Personal Information

We process personal information to:

  • Create and secure user accounts.
  • Process purchases and allocate paid credits/features.
  • Provide financial tools and AI features you request.
  • Respond to support queries and improve platform quality.
  • Detect abuse, fraud, or unauthorized use.
  • Comply with legal and regulatory obligations.

5. Lawful Grounds for Processing

Under POPIA, we rely on one or more lawful grounds:

  • Performance of a contract with you (account, payments, service delivery).
  • Compliance with legal obligations.
  • Legitimate interests (service security, abuse prevention, reliability).
  • Consent where required for optional processing.

6. Sharing and Disclosure

We do not sell your personal information. We may share information with:

  • Cloud hosting and infrastructure providers.
  • Authentication, analytics, and security operators.
  • Payment providers (for example, PayFast) to complete transactions.
  • Professional advisers or authorities when required by law.

7. Cross-Border Transfers

Some operators may process information outside South Africa. Where this occurs, we apply appropriate contractual and legal safeguards consistent with POPIA requirements.

8. Retention

We keep personal information only for as long as necessary for service delivery, support, legal compliance, dispute handling, and fraud prevention. We may de-identify data for analytics where appropriate.

9. Security Measures

We apply reasonable technical and organizational safeguards to protect personal information against unauthorized access, loss, alteration, and unlawful processing. This includes access controls, transport security, and operational monitoring.

10. Security Compromise Notification

If a security compromise occurs that creates a real risk to your rights, we will notify affected users and the Information Regulator as required by POPIA and applicable law.

11. Your POPIA Rights

Subject to applicable law, you may request:

  • Access to personal information we hold about you.
  • Correction or update of inaccurate information.
  • Deletion of information where retention is no longer required.
  • Objection to or restriction of specific processing.
  • Withdrawal of consent where processing is consent-based.

To exercise rights, contact admin@zamzi.co.za.

12. Children

This service is not intended for children under 18, and we do not knowingly process children’s personal information for ordinary account use.

13. Policy Updates

We may update this Privacy Policy from time to time. Material updates will be posted on this page with a revised effective date.

14. Complaints

If you are not satisfied with our handling of your information, you may lodge a complaint with the Information Regulator (South Africa): https://inforegulator.org.za.

15. Contact

Privacy and POPIA queries: admin@zamzi.co.za.