Privacy Policy

keltramorisa.com Financial Planning Services is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our financial planning services. Last updated: June 12, 2025.

Last updated: June 6, 2025

Information We Collect

We collect information you provide directly to us, such as when you:

• Request financial planning consultations or investment advice
• Fill out contact forms or subscribe to our newsletter
• Communicate with us via phone, email, or through our website

How We Use Your Information

We use the information we collect to:

• Provide personalized financial planning and investment consultation services
• Communicate with you about your financial plans and market updates
• Improve our services and develop new financial products

Data Protection and Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Your financial data is encrypted and stored securely in compliance with South African data protection regulations.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and provide personalized financial content.

You can control cookie settings through your browser preferences.

Third-Party Services

We may share your information with trusted third-party service providers who assist us in delivering our financial planning services, such as investment platforms and insurance providers. These parties are bound by confidentiality agreements.

Your Privacy Rights

Under South African privacy laws, you have the right to:

• Access, update, or delete your personal information
• Withdraw consent for marketing communications
• Request information about how your data is processed

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial records are typically retained for seven years as required by South African financial regulations.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children without parental consent.

Changes to This Policy

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

Contact Information

For questions regarding this disclaimer or our services, please contact us: