Privacy Policy
Privacy Policy
Last Updated: October 2026
1. Introduction
Consult Centa (“Consult Centa”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, protect and disclose personal information when you:
Visit our website
Contact us
Request a consultation
Enquire about our services
Participate in a financial wellness assessment
Subscribe to communications from us
Interact with our website, content or online forms
Engage with us as an individual or on behalf of an organisation
Consult Centa processes personal information in accordance with applicable South African data protection laws, including the Protection of Personal Information Act 4 of 2013 (POPIA). POPIA applies to the processing of personal information by public and private bodies and establishes minimum requirements for lawful processing.
This Privacy Policy should also be read together with our Cookie Policy.
2. Who We Are
Consult Centa is a financial wellness services provider offering employee and personal financial wellness services.
Our services are designed to help organisations support employee financial wellness and help individuals better understand their financial circumstances, financial behaviour, financial products and goals.
For purposes of POPIA, Consult Centa acts as the responsible party in relation to personal information that we process for our own purposes.
Company: Consult Centa
Email: [email protected]
Telephone: +27 81 483 2133
Address: 114 Panorama Avenue, Edleen, Kempton Park 1619
Website: www.consultcenta.co.za
Information Officer: Mr Manna Vika
Information Officer Email: [email protected]
3. What Personal Information Do We Collect?
The information we collect depends on how you interact with Consult Centa.
This may include:
Contact Information
Name and surname
Email address
Telephone or mobile number
Organisation or company name
Job title or position
Business contact details
Enquiry Information
When you contact us or request information about our services, we may collect information contained in your enquiry, including:
Your questions
Information about your organisation
The nature of the service you are interested in
Preferred consultation details
Other information you voluntarily provide
Financial Wellness Information
Where you participate in a financial wellness service or assessment, we may collect information that is relevant to the service being provided.
Depending on the engagement, this may include information relating to:
Income and cash flow
Spending
Savings
Debt exposure
Financial products
Financial behaviour
Financial circumstances
Financial objectives and goals
We will only request information that is reasonably necessary for the specific service or purpose for which it is collected. POPIA requires personal information to be adequate, relevant and not excessive in relation to the purpose for which it is processed.
Website and Technical Information
When you visit our website, certain technical information may be collected automatically, including:
IP address
Browser type
Device type
Operating system
Pages visited
Referring website
General website usage information
Date and time of visits
Some of this information may be collected through cookies and similar technologies. Please see our Cookie Policy for more information.
4. How We Collect Personal Information
We generally collect personal information directly from you when you:
Complete a contact form
Request a consultation
Contact us by email or telephone
Request information about our services
Participate in a financial wellness assessment
Communicate with us
Subscribe to communications
Use our website
POPIA generally requires personal information to be collected directly from the data subject, subject to certain exceptions provided by the Act.
Where we receive personal information from an organisation on behalf of its employees, we may process that information in accordance with the relevant agreement, instructions and applicable legal requirements.
5. Why We Collect and Use Personal Information
We may process personal information for purposes including:
Providing Our Services
To:
Deliver employee financial wellness services
Deliver personal financial wellness services
Conduct financial wellness assessments
Arrange consultations
Respond to enquiries
Provide information requested by you
Communicate with clients and service users
Managing Our Relationship With You
We may use your information to:
Respond to questions
Schedule appointments
Follow up on enquiries
Maintain client records
Manage service-related communications
Provide ongoing support where requested
Improving Our Services
We may use information to understand how our services and website are being used and identify opportunities to improve our content, website and services.
Website Administration
We may process technical information to:
Operate our website
Maintain security
Identify technical issues
Prevent misuse
Improve website performance
Marketing
Where permitted by applicable law, we may use your contact information to communicate with you about Consult Centa’s services, insights, events or other relevant information.
You may opt out of direct marketing communications at any time.
POPIA provides data subjects with rights relating to direct marketing and allows objections to certain processing.
6. Lawful Basis for Processing
We will process personal information only where there is a lawful basis for doing so.
Depending on the circumstances, this may include:
Your consent
Taking steps at your request before entering into a contract
Performing a contract with you
Complying with a legal obligation
Protecting your legitimate interests
Pursuing our legitimate interests where permitted by law
Other lawful grounds recognised under POPIA
Where we rely on consent, you may withdraw your consent at any time. Withdrawal of consent does not affect the lawfulness of processing that took place before withdrawal where that processing was based on consent.
7. Financial Wellness Information
Consult Centa provides financial wellness services, which may involve information about an individual’s financial circumstances.
We understand that financial information can be particularly sensitive from a personal perspective.
Where financial information is collected as part of a financial wellness engagement, we will:
Collect information relevant to the service being provided
Limit access to authorised persons
Use the information for the purposes for which it was collected
Take reasonable security measures to protect it
Avoid collecting information that is unnecessary for the relevant service
Retain information only for as long as reasonably necessary or legally required
Employees participating in an employer-sponsored financial wellness programme should be informed about what personal information is collected, how it is used and what information, if any, may be shared with their employer.
8. Employee Financial Wellness Programmes
Where Consult Centa provides an employee financial wellness programme to an organisation, there may be two distinct relationships:
The organisation may engage Consult Centa to provide the programme.
The employee may participate in the programme and provide personal information for purposes of receiving financial wellness support.
Consult Centa will process employee information according to the applicable service arrangement, privacy requirements and instructions.
Individual financial information should not be shared with an employer unless there is a lawful basis to do so and, where required, appropriate consent or authorisation.
Where programme reporting is provided to an organisation, we may use aggregated or anonymised information where appropriate so that the organisation can understand programme engagement without unnecessarily exposing individual financial information.
9. Sharing Personal Information
We do not sell your personal information.
We may share personal information where reasonably necessary for the purposes described in this Privacy Policy, including with:
Employees and authorised representatives of Consult Centa
Professional advisers
Technology and hosting providers
Website service providers
Email and communication service providers
Scheduling or consultation platforms
Analytics providers
Other service providers supporting our business
An organisation where you are participating in an employer-sponsored programme, subject to the applicable arrangement and lawful basis
Third-party service providers may process information on our behalf and may be subject to their own privacy policies and contractual obligations.
We will take reasonable steps to ensure that third parties who process personal information on our behalf provide appropriate safeguards and process information consistently with applicable requirements.
10. International Transfers
Some of our technology or service providers may store or process information outside South Africa.
Where personal information is transferred outside South Africa, we will take appropriate steps to ensure that the transfer is permitted under applicable law and that appropriate protections are in place.
POPIA contains requirements relating to the transfer of personal information across borders, including circumstances in which information may be transferred to recipients in other countries.
11. Information Security
Consult Centa takes reasonable technical and organisational measures to protect personal information against:
Loss
Damage
Unauthorised access
Unauthorised disclosure
Unauthorised modification
Unlawful processing
Unauthorised destruction
However, no method of transmitting or storing information online can be guaranteed to be completely secure.
POPIA requires responsible parties to take appropriate measures to secure the integrity and confidentiality of personal information and to prevent loss, damage, unauthorised access and other forms of unlawful processing.
12. Data Retention
We retain personal information only for as long as reasonably necessary for the purpose for which it was collected, to provide our services, maintain appropriate business records, comply with legal obligations, resolve disputes or protect our legitimate interests.
The specific retention period will depend on:
The nature of the information
The purpose for which it was collected
The nature of our relationship with you
Applicable contractual requirements
Applicable legal and regulatory requirements
When personal information is no longer required, we will take reasonable steps to securely delete, destroy or de-identify it where appropriate.
13. Cookies and Similar Technologies
Our website may use cookies and similar technologies to support website functionality, analyse website usage and improve your experience.
These technologies may collect information such as your browser type, device information, pages visited and general website usage.
For more information about the cookies we use and how you can manage them, please read our Cookie Policy.
14. Your Rights
Subject to applicable law, you may have the right to:
Ask whether we hold personal information about you
Request access to your personal information
Request correction of inaccurate or incomplete information
Request deletion of personal information in appropriate circumstances
Withdraw consent where processing is based on consent
Object to certain processing
Object to direct marketing
Request information about how your personal information is being processed
Lodge a complaint regarding the processing of your personal information
POPIA provides data subjects with rights relating to access, correction, deletion and objection to certain processing activities.
15. How to Exercise Your Rights
If you want to exercise any of your privacy rights or ask a question about how Consult Centa processes your personal information, please contact our Information Officer.
Information Officer: Mr Manna Vika
Email: [email protected]
Telephone: +27 81 483 2133
Physical Address: 114 Panorama Avenue, Edleen, Kempton Park 1619
We may need to verify your identity before processing certain requests to help protect your personal information.
16. Complaints
If you believe that Consult Centa has not handled your personal information appropriately, we encourage you to contact us first so that we can investigate and address your concern.
You also have the right to lodge a complaint with the Information Regulator of South Africa.
The Information Regulator is responsible for monitoring and enforcing compliance with POPIA and PAIA.
Information Regulator
Website: Information Regulator of South Africa
Email: [email protected]
Telephone: 010 023 5200
17. Children’s Personal Information
Our website and services are not primarily directed at children.
We do not knowingly collect personal information from children except where permitted by applicable law and where the appropriate consent or lawful basis exists.
If you believe that a child has provided personal information to us without the appropriate authorisation, please contact us so that we can investigate and take appropriate action.
18. Third-Party Websites
Our website may contain links to websites or services operated by third parties.
This Privacy Policy does not apply to those third-party websites.
We encourage you to review the privacy policies of any third-party websites you visit.
Consult Centa is not responsible for the privacy practices, content or security of third-party websites.
19. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
Changes to our services
Changes to our website
Changes to how we process personal information
Changes to third-party service providers
Changes in applicable legislation or regulatory requirements
The updated version will be published on this page with a revised “Last Updated” date.
We encourage you to review this Privacy Policy periodically.
20. Contact Us
If you have questions about this Privacy Policy or how Consult Centa handles personal information, please contact us.
Consult Centa
Information Officer: Mr Manna Vika
Email: [email protected]
Telephone: +27 81 483 2133
Physical Address: 114 Panorama Avenue, Edleen, Kempton Park 1619
Website: www.consultcenta.co.za
Last Updated: October 2026