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Privacy Policy

Privacy and Data Protection Policy

As FBK online services, we respect your privacy and are committed to safeguarding your personal information as you engage with our websites, products, and services. This Privacy and Data Protection Policy outlines how we collect, use, and protect your data.

We collect personal information through various sources, such as website forms, physical forms, telephone, or email, and more. The data collected is used for multiple purposes, including fulfilling contractual obligations, identity verification, responding to queries and requests, managing relationships, sending marketing information, complying with laws, and other legitimate business purposes.
In addition, we may process your data to comply with legal obligations, protect vital interests, or for other lawful reasons.

We employ robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We retain your personal data as long as necessary for the purposes mentioned in this policy or as required by law. You have the right to request deletion of your data. We may share your data with trusted third parties for specific purposes outlined in this policy, ensuring that they adhere to our privacy standards. You have rights regarding your data, including access, correction, and opting out of promotional communications. We may update this Privacy and Data Protection Policy to reflect changes in our practices or legal requirements.

• Personal Data: Personal data refers to any information related to an identified or identifiable natural person (referred to as the 'data subject'). An identifiable natural person is someone who can be directly or indirectly identified, often by reference to an identifier like a name, identification number, location data, online identifier, or factors specific to their physical, physiological, genetic, mental, economic, cultural, or social identity.

• Processing: Processing encompasses any operation or set of operations performed on personal data, whether automated or not. These operations include collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, consultation, use, disclosure by transmission, dissemination, or other forms of making the data available. It also covers actions such as alignment, combination, restriction, erasure, or destruction.

• Restriction of Processing: This term refers to the practice of marking stored personal data with the intention of limiting their processing in the future.

• Controller: The controller is the natural or legal person, public authority, agency, or other body responsible for determining the purposes and means of processing personal data. In cases where Union or Member State law determines these purposes and means, the controller may be specified by that law.

• Processor: A processor is a natural or legal person, public authority, agency, or other entity that processes personal data on behalf of the controller.

• Consent of the Data Subject: Consent of the data subject signifies any freely given, specific, informed, and unambiguous indication of the data subject's wishes. It can be expressed through a statement or clear affirmative action, indicating agreement to the processing of their personal data.

Policies and Disclaimers

1. Authorization and Financial Services: FBK Online Services and its representatives are not authorized financial services providers, representatives, or intermediaries, as defined by the Financial Advisory and Intermediary Services Act, 2002 (FAIS Act). They are also not authorized users or stockbrokers under the Securities Services Act, 2004 (SS Act). They are not associated with the JSE (Johannesburg Stock Exchange) in any way.
2. No Guarantees: FBK Online Services and its employees do not guarantee any specific outcomes, profits, or returns from the use of their products or services. Their offerings serve as general guidance and provide data and information that users may choose to use for investment decisions.
   
3. Collection and Use of Information: FBK Online Services collects information through various means, including website forms, physical forms, telephone, or email, and more. They may collect personal data for purposes such as performing contractual obligations, identity verification, handling queries, managing relationships, sending marketing information, complying with laws, and more.
   
4. Data Security: The company employs security measures to protect personal information from unauthorized access, disclosure, alteration, or destruction.
5. Data Retention: Personal data is retained as long as necessary for the purposes outlined in the policy or as required by law. Users have the right to request the deletion of their data.
6. Third Parties: FBK Online Services may share data with trusted third parties for specific purposes while ensuring their compliance with privacy standards.
   
7. User Choices: Users have rights concerning their data, including access, correction, and the ability to opt out of promotional communications.
8. Updates to Policy: The Privacy and Data Protection Policy may be updated to reflect changes in practices or legal requirements.
9. Minors: FBK Online Services does not knowingly collect personal information from minors under the age of eighteen (18). The company encourages parents and legal guardians to take measures to prevent underage access to their services.
10. Collection of Other Information: The company may collect non-personal information about the use of their software applications, website visits, and additional services. This information is used for various purposes, including improving product features and functionality and collecting anonymous statistics.