Privacy Policy

This Privacy Policy is issued by Ferreira & Voss Financial Consulting (Pty) Ltd (Proprietary Limited (Pty) Ltd), trading as Ferreira & Voss Financial Consulting, with its registered address at 48 Beaufort Road, Quigney, 5201 East London, South Africa, registration number 2852029389. Ferreira & Voss Financial Consulting is the party responsible for determining the purposes and means of processing personal information collected through cirelta.site and is accordingly the "responsible party" as defined in the Protection of Personal Information Act 4 of 2013 ("POPIA"). Enquiries concerning this policy, or the processing of your personal information generally, may be directed to [email protected] or +27 43 496 7627.

A. Terms Used in This Policy

Personal information: Information relating to an identifiable, living natural person, or an identifiable existing juristic person, including a name, contact details, and financial information, as defined in section 1 of POPIA.
Processing: Any operation performed on personal information, including collection, storage, use, dissemination, and deletion.
Data subject: The person to whom personal information relates — typically a visitor to cirelta.site, a contact-form enquirer, or an email subscriber.
Responsible party: Ferreira & Voss Financial Consulting (Pty) Ltd, which determines the purpose and means of processing personal information described in this policy.
Operator: A third party that processes personal information on behalf of Ferreira & Voss Financial Consulting (Pty) Ltd, such as a hosting provider or email delivery service, under our instruction and pursuant to a written agreement.
Consent: Any voluntary, specific, and informed expression of will by which a data subject agrees to the processing of their personal information.

B. Who We Are and What We Do

Ferreira & Voss Financial Consulting provides financial consulting services, including advisory engagements, financial planning consultations, and related professional services offered through our website at cirelta.site.
This policy explains how we collect, use, store, and protect personal information gathered through the two principal channels on our site: the contact form and the email subscription facility, and how we process any personal information you provide to us in the course of engaging our consulting services.

C. Personal Information We Collect

Contact form. When you submit an enquiry through our contact form, we collect the information you provide, typically your full name, email address, telephone number, and the content of your message, which may include details about your financial circumstances or the nature of the advisory service you are seeking.
Email subscription. When you subscribe to receive updates, market commentary, or newsletters from Ferreira & Voss Financial Consulting, we collect your email address and, where you provide it, your name. Subscription is confirmed by opt-in, and your consent is recorded together with the date and method of subscription.
Automatically collected information. As set out in our separate Cookie Policy, our website may collect technical information such as IP address, browser type, device information, and browsing behaviour through cookies and similar technologies, subject to the consent categories described there.
We do not collect special personal information (as defined in section 26 of POPIA), such as health or religious beliefs, through the contact form or subscription flows, and we ask that you do not include such information in messages submitted to us.

D. Purpose and Legal Basis for Processing

Responding to enquiries. We process contact-form data to respond to your enquiry, provide requested information about our consulting services, and, where you proceed, to prepare and conclude a service engagement. This processing is necessary for taking steps at your request prior to entering into an agreement, and thereafter for the performance of that agreement, in terms of section 11(1)(b) of POPIA.
Sending newsletters and updates. We process your email address to send subscribed content on the basis of your consent, freely given at the point of subscription, in terms of section 11(1)(a) of POPIA. You may withdraw this consent at any time as described in Section G below.
Legal and regulatory compliance. Where we are required to retain records of client engagements or financial advice for regulatory purposes (including under the Financial Advisory and Intermediary Services Act, 2002), we process personal information on the basis of compliance with a legal obligation, in terms of section 11(1)(c) of POPIA.
Legitimate interests. We may process limited technical and correspondence data to protect against fraud, maintain the security of our systems, and improve our services, on the basis of our legitimate interests in terms of section 11(1)(f) of POPIA, balanced against your rights and interests.

E. Hosting and Third-Party Operators

Our website and the data submitted through it are hosted by third-party service providers who act as operators on our behalf. These providers process personal information solely to the extent necessary to host, store, and transmit the data collected through the contact form and email subscription, and are bound by written agreements requiring them to maintain confidentiality and appropriate security safeguards, as required by section 21 of POPIA.
We may use a third-party email delivery platform to manage and send subscription content. That provider processes subscriber email addresses strictly for the purpose of delivering the communications you have consented to receive.
We do not sell, rent, or otherwise trade personal information to third parties for their own marketing purposes.
Where any operator is located outside South Africa, we take reasonable steps to ensure that such transfers are subject to safeguards consistent with section 72 of POPIA, including contractual protections requiring a comparable standard of data protection.

F. Retention

Contact-form enquiries that do not proceed to a client engagement are retained for a period of 12 months from the date of last correspondence, after which they are securely deleted, unless a longer retention period is required to resolve an outstanding matter.
Records relating to concluded client engagements are retained for the period required by applicable financial services and tax legislation, typically five years from the conclusion of the engagement, after which they are securely destroyed.
Email subscriber information is retained for as long as you remain subscribed. Upon unsubscribing, your email address is removed from our active mailing list within 30 days, save for a suppression record retained to ensure we do not contact you again without your consent.

G. Your Rights as a Data Subject

Subject to the provisions of POPIA, you have the right to:
- be notified that personal information about you is being collected and for what purpose;
- establish whether we hold personal information about you and to request access to it;
- request the correction, destruction, or deletion of personal information that is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, or unlawfully obtained;
- object, on reasonable grounds, to the processing of your personal information;
- object to processing for purposes of direct marketing, including the sending of newsletters, at any time and free of charge;
- withdraw consent to processing that is based on consent, without affecting the lawfulness of processing carried out before such withdrawal; and
- submit a complaint to the Information Regulator if you believe your personal information has been processed in contravention of POPIA.
To exercise any of these rights, please contact us at [email protected] or +27 43 496 7627. To unsubscribe from our email list, you may also use the unsubscribe link included in every newsletter we send.
We will respond to any request within a reasonable period, and in any event within the timeframes prescribed by POPIA, having verified your identity to protect against unauthorised disclosure.
Should you remain dissatisfied following our response, you are entitled to lodge a complaint with the Information Regulator of South Africa, contactable at [email protected] or via its offices at JD House, 27 Stiemens Street, Braamfontein, Johannesburg.

H. Security Safeguards

We implement appropriate technical and organisational measures to protect personal information against loss, unauthorised access, interference, and disclosure, as required by section 19 of POPIA, including access controls, encrypted transmission where applicable, and restricted staff access to submitted data.
Should a security compromise occur that gives rise to a reasonable belief that personal information has been accessed or acquired by an unauthorised person, we will notify the Information Regulator and affected data subjects as soon as reasonably possible, in accordance with section 22 of POPIA.

I. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The current version will always be available at cirelta.site/privacy, and material changes will be indicated by an updated effective date.

Effective as of 2026. For any questions regarding this policy, please contact Ferreira & Voss Financial Consulting (Pty) Ltd at [email protected] or +27 43 496 7627, 48 Beaufort Road, Quigney, 5201 East London, South Africa.