Last updated: 16 April 2026

This Privacy Policy explains how Digital Strategy SA (Registration Number: 2020/489336/07), trading as Sound Money Coaching (“we”, “us”, “our”), collects, uses, stores, and protects your personal information when you use our website www.soundmoneycoach.online (the “Website”) and our services. This Policy is issued in compliance with the Protection of Personal Information Act, 2013 (Act No. 4 of 2013) (“POPIA”) of the Republic of South Africa.

1. Information We Collect

We may collect the following categories of personal information:

• Identifying information: name, surname, email address, phone number, country of residence

• Payment information: billing name, transaction history, payment method (card and banking details are processed directly by our payment providers and are not stored on our systems)

• Account information: login credentials, profile details, course progress, coaching notes

• Technical information: IP address, browser type, device type, operating system, pages visited, and time spent on the Website

• Marketing preferences: subscription status, communication preferences, and engagement with our emails

• Content you provide: messages, comments, feedback, and uploads you submit through our platform

2. How We Collect Your Information

We collect personal information when you:

• Register for an account, course, workshop, or coaching programme

• Subscribe to our newsletter or download a free resource

• Make a payment through our Website

• Contact us by email, phone, or through a contact form

• Browse the Website (through cookies and similar technologies)

• Participate in surveys, webinars, or community forums we operate

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide and deliver the services you have purchased

• To process payments and maintain transaction records

• To communicate with you about your account, purchases, and support queries

• To send marketing communications, where you have opted in

• To improve our Website, products, and services

• To comply with legal, regulatory, tax, and accounting obligations

• To detect, prevent, and address fraud, abuse, and security issues

4. Legal Basis for Processing

We process your personal information on the following lawful grounds under POPIA: (a) your consent; (b) the performance of a contract with you; (c) compliance with a legal obligation; (d) the protection of your legitimate interests; or (e) the pursuit of our legitimate interests, provided these do not override your rights.

5. Sharing Your Information

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

• Payment processors (including Paystack) to process transactions

• Email, hosting, and analytics service providers who help us operate the Website

• Professional advisers (accountants, legal counsel, auditors) where required

• Regulatory, law enforcement, or tax authorities where legally required

• A successor entity in the event of a merger, acquisition, or business transfer

All third parties with whom we share data are required to protect your information in accordance with POPIA and applicable laws.

6. International Transfers

Some of our service providers may be located outside South Africa. Where your information is transferred internationally, we take reasonable steps to ensure it receives an adequate level of protection, either through contractual safeguards, the recipient country’s data protection laws, or your explicit consent.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer required, we will securely delete or anonymise it.

8. Your Rights Under POPIA

You have the following rights in respect of your personal information:

• The right to access the personal information we hold about you

• The right to request correction of inaccurate or incomplete information

• The right to request deletion of your information, subject to legal retention obligations

• The right to object to processing for direct marketing purposes

• The right to withdraw consent at any time, where processing is based on consent

• The right to lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, contact us using the details at the end of this Policy.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to operate the Website, remember your preferences, analyse traffic, and improve your experience. You can control cookies through your browser settings. Disabling cookies may affect the functionality of the Website.

10. Security

We implement reasonable technical and organisational measures to protect your personal information against loss, misuse, unauthorised access, disclosure, alteration, and destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

11. Children

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor without verified parental consent, we will delete it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last updated” date. Material changes will be communicated to you by email or through a prominent notice on the Website.

13. Information Officer and Contact

For any questions, requests, or complaints regarding this Privacy Policy or your personal information, please contact our Information Officer:

Mawande Oscar Makalima

Information Officer, Digital Strategy SA

Email: mawande@mawandemakalima.live

Postal Address: 4 Western Lane, 1 Kingston Close, Selborne, East London, 5201

You also have the right to lodge a complaint with:

The Information Regulator (South Africa)

Website: https://inforegulator.org.za

Email: complaints.IR@justice.gov.za