Privacy Policy

This Privacy Policy describes how POLICYVAULT.AFRICA (referred to in this Privacy Policy as “POLICYVAULT,” ‘‘PV’’, “we,” “us,” or “our”), as the operator of the website www.policyvault.africa (the “Site”), and the services provided through the Site (the Site and these services constituting the “Service”), collects information when you visit or use the Service.  It also explains how we use and disclose the information we collect from you, and your rights in relation to that information. By accessing, visiting, or using the Service, you expressly consent to our collection, storage, use, and disclosure of your information as described in this Privacy Policy.  Please note that if you disagree with anything in this Privacy Policy, you must not use the Service. This Privacy Policy is part of, and is governed by, the terms and conditions set forth in our Terms of Use located at http://www.policyvault.africa/terms-of-use.

Information Collected through the Service

A. Information You Directly and Voluntarily Provide to Us. If you are a visitor to the Service, we may collect information that you provide to us when you communicate with any of our departments such as customer service or technical services. You may also choose to provide your name and email address to us if you would like to receive additional information about the Service and the products and services that PolicyVault offers. If you sign up to become a registered user of the Service, you will be required to provide certain information as part of the registration process. This information will include but not limited to your first and last name, email address, organization, and position.

Visitors: For visitors of our website and registered users, we log certain information, such as your IP address, browser type and usage data, for example, how much time you spent reading, which documents you access, and which pages you accessed.

Registration: If you choose to register with us, PV may ask you to provide your name, email address and physical address. PV also asks each user to create an account ID and password. PV may ask you to provide demographic information, such as age, gender, interests or occupation to enhance our ability to provide a more personalized experience for users. We may also, via a third-party service, collect credit card information for any paid services or purchases.

Feedback and Chat: We may collect other information when you provide feedback or comments or communicate with others through our systems.

B. Information Automatically Collected Through the Service. We may automatically collect information about you when you use the Service. For example, if you access the Service through a computer, we will automatically collect information such as your browser type and version, computer and connection information, IP address and standard web log information. If you access the Service through a mobile device, we may also be able to identify the location of your mobile device. You may choose not to share your location details with us by adjusting your mobile device’s location services settings. For instructions on changing the relevant settings, please contact your service provider or device manufacturer.

We may automatically collect information from you when you use the Service using “cookies” and other similar technologies, such as web beacons. Cookies are tiny amounts of data that are stored within your computer’s Internet browser and that are accessed and recorded by the websites that you visit so that they can recognize the same browser navigating online later.

Information that may be collected by cookies when you use the Service may include, without limitation:

• the pages you visit within the Service.
• the date and time of your visit to the Service.
• the amount of time you spend using the Service.
• the Internet Protocol (IP) address used to connect your computer to the Internet; and/or
• your computer and connection information such as your browser type and version, operating system, and platform.

You can set your browser to reject cookies or to notify you when you are sent a cookie. However, if you disable cookies, you may not be able to log in to the Service or to use certain features of the Service. To find out more about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.

C. Information Collected by Third Parties through Third Party Links and Content. The Service may include links to other websites and other content from third party businesses. These third-party businesses may use cookies, web beacons or other similar technology to collect information about you. PolicyVault does not have access to or control over these third parties or the cookies, web beacons or other technology that these third parties may use. We are not responsible for the privacy practices of these third parties or the content on any third-party website. You are encouraged to review the privacy policies of the different websites you visit and of the advertisers whose ads you may choose to click on while using the Service (see Section 3 below for additional information about Online Advertising).

D. Information Collected by Third Party Analytics Services. We may work with third party analytics services to help us understand how the Service is being used, such as tracking the frequency and duration of use of the Service. We may use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect information about your use of the Service. Google and these analytics services may use cookies to collect information about the content you view, what websites you visit immediately prior to and after visiting the Service, and your system information and geographic information. The information generated by these cookies about your use of the Service will be transmitted to and stored by the applicable analytics services. The information collected by these analytics services allows us to analyze your use of the Service.

E. Information You Share on Third Party Websites or through Social Media Services. The Service may include links to third party websites and social media services where you will be able to post comments, stories, reviews or other information. Your use of these third-party websites and social media services may result in the collection or sharing of information about you by these third-party websites and social media services. We encourage you to review the privacy policies and settings on the third-party websites and social media services with which you interact to make sure you understand the information that may be collected, used, and shared by those third-party websites and social media services.

How We Use the Information We Collect

We may use the information we collect about you as follows:

1. To understand how the service and our products and services are being used.
2. To customize our Service and provide advertisements, content or features that match your interests.
3. To permit our users to set up an account.
4. To respond to your comments, questions and requests and provide customer service.
5. To send you notices, updates, security alerts and other administrative messages.
6. To communicate with you about products, services, offers and events offered by PolicyVault and others.
7. To process transactions and send you related information.
8. To link or combine with information we get from others to help provide you with better service.
9. To detect, investigate and/or prevent fraudulent, unauthorized or illegal activity.
10. To diagnose problems with our Service.
11. To analyze and monitor how users utilize our Service.
12. To carry out other purposes for which the information was collected.

If you wish to opt-out of receiving these emails from us, please follow the instructions contained in each email you receive from us which will allow you to opt-out of receiving further email marketing communications from us.

Payment Card Information

To use certain aspects of the PolicyVault Service, we may require credit or debit card account information. By submitting your credit or debit card account information through our Service, you expressly consent to the sharing of your information with third party merchants, subscription and billing processors, and payment processors. These third parties may store your credit or debit card account information so you can use our Service in the future. We transmit your credit or debit card account information to these third parties, but do not store such information. We cannot guarantee that transmissions of your credit or debit card account information will always be secure or that unauthorized third parties will never be able to defeat the security measures taken by us or our third-party service providers. We assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control.

Online Advertising; Tracking

PolicyVault and third-party businesses may use the information collected through the Service using cookies, web beacons, and other similar technologies to help manage online advertising programs. This information may enable us, as well as third-party advertising services and other third-party businesses to track the actions of users online over time and across different web sites or platforms to measure statistics relating to marketing efforts, and to deliver electronic advertisements that may be more relevant to individual consumers and that will improve the consumer experience. For information about how tracking works for online advertising purposes, and what happens when you elect a do-not-track option, visit http://www.aboutads.info/choices. In addition, some third-party businesses may provide a mechanism to opt-out of their technology. For more information about the opt-out process, you may visit the Network Advertising Initiative website, available at: https://optout.networkadvertising.org/.

Do Not Track: Your browser may allow you to adjust your browser settings so that “do not track” requests are sent to the websites that you visit. However, Create & Cultivate will not disable tracking technology that may be active on the Service in response to any “do not track” requests that we receive from your browser.

How We Share Your Information with Third Parties

We do not sell or rent user information we collect through the Service to any third parties for their own marketing purposes. In the event PolicyVault wants to sell or rent your information to third parties for their own marketing purposes in the future, we will notify you and you will have an opportunity to affirmatively opt-in to receiving these third-party marketing communications. PolicyVault does share your information with third parties in some circumstances as follows:

A. Employees, Third-Party Processors and Third-Party Service Providers. We will disclose your information to our employees, contractors, affiliates, distributors, dealers, vendors and suppliers (“Service Providers”) who provide certain services to us or on our behalf, such as operating and supporting the Service, analyzing data, or performing marketing or consulting services. These Service Providers will only have access to the information needed to perform these limited functions on our behalf.

B. Response to Subpoenas or Court Orders or to Protect Rights and to Comply with Our Policies. To the extent permitted by law, we will disclose your information to government authorities or third parties if: (i) required to do so by law, or in response to a subpoena or court order; (ii) we believe in our sole discretion that disclosure is reasonably necessary to protect against fraud, to protect the property or other rights of us or other users, third parties or the public at large; or (iii) we believe that you have abused the Service by using it to attack other systems or to gain unauthorized access to any other system, to engage in spamming or otherwise to violate applicable laws. You should be aware that, following disclosure to any third party, your information may be accessible by others to the extent permitted or required by applicable law.

C. Business Transfers; Bankruptcy. In the event of a merger, acquisition, bankruptcy or other sale of all or a portion of our assets, any user information owned or controlled by us may be one of the assets transferred to third parties. We reserve the right, as part of this type of transaction, to transfer or assign your information and other information we have collected from users of the Service to third parties. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred user information will be subject to this Privacy Policy. However, any information you submit or that is collected after this type of transfer may be subject to a new privacy policy adopted by the successor entity.

D. Aggregate Information. We may share information relating to users of the Service with affiliated or unaffiliated third parties on an anonymous, aggregate basis. While this information will not identify you personally, in some instances these third parties may be able to combine this aggregate information with other data they have about you, or that they receive from third parties, in a manner that allows them to identify you personally.

E. Our Affiliates. We may share some or all of your information with our parent company, subsidiaries and corporate affiliates, joint venturers, or other companies under common control with us. If you opt-in to receive marketing communications from third parties, we may permit these entities to use your information for their own marketing purposes. If you would like us to stop providing your information to our affiliates for their own marketing purposes, you may opt-out by emailing us at team@policyvault.africa.

People Under Age 18

The Service is not intended for people under age 18, or for anyone under age 18 or the applicable age of majority without involvement of a parent or guardian. We do not knowingly collect or distribute personal information from or about children under the age of 18.

Security

We implement industry standard security measures intended to protect against the loss, misuse and alteration of the information under our control. Please be aware that no data transmission over the Internet can be guaranteed to be 100% secure. As a result, PolicyVault cannot guarantee or warrant the security of any information you transmit on or through the Service and you do so at your own risk.

Amendments to this Privacy Policy

We will notify you of material changes to this Privacy Policy by posting the amended terms on the Service at least thirty (30) days before the effective date of the changes. If you do not agree to the changes, you should discontinue your use of the Service prior to the time the modified privacy policy takes effect. If you continue using the Service after the modified privacy policy takes effect, you will be bound by the modified privacy policy.

Use of Information Outside Your Country of Residence

If you choose to use the Service or provide your information to us, your information may be transferred to, processed and maintained on servers or databases located outside of the country or jurisdiction where you are located. Your agreement to this Privacy Policy followed by your submission of information through the Service represents your consent and agreement to these practices. If you do not want your information transferred to or processed or maintained outside of the country or jurisdiction where you are located, you should not use the Service.

Accessing, Changing and Managing Your Information

You have the ability to modify your account-specific information, through the edit function on your profile. If you wish to deactivate your PolicyVault Service account, you may do so. Removed information such as your account ID, geolocation information connected to your user ID. In addition, we may retain certain information as required by law, for legitimate business purposes, or as part of our regular retention practices. We may also retain cached or archived copies of information about you. You may also request changes to the user information you have provided to us by contacting us at team@policyvault.africa. Following receipt of a request from you, we will take reasonable steps to update, correct or delete your information as requested.

Special Information for California Residents

Under California Civil Code sections 1798.83-1798.84, also known as the “Shine the Light Law,” any users of the Service who are California residents are entitled to request and receive once a year, free of charge, a notice from us describing what categories of personal customer information (if any) we shared with third parties, including our corporate affiliates, for their direct marketing purposes during the preceding calendar year. If applicable, the notice will identify the categories of information that we shared, and the names and addresses of the third parties and affiliates with which we shared your information. If you are a California resident and would like to request a copy of this notice, please submit a written request to the following address: 20002 or by email at team@policyvault.africa. In your request, please specify that you want a “California Privacy Rights Notice.” Please allow at least thirty (30) days for a response.

How to Contact Us

Please also feel free to contact us at team@policyvault.africa if you have any questions about this Privacy Policy.