Information We Collect and How We Use It

At calystranovae, we understand that managing budget surplus effectively requires trust between you and your financial platform. When you create an account with us, we collect essential information to provide personalized surplus management services.

Personal Information

We collect your name, email address, phone number, and financial institution details when you register. This information helps us verify your identity and connect securely with your existing accounts. We also gather data about your spending patterns and surplus amounts to create tailored recommendations.

Financial Data Protection

Your banking information receives our highest level of protection. We use bank-level encryption and never store your actual login credentials. Instead, we work through secure API connections that allow us to view your surplus funds without accessing sensitive account details.

• Account balance information for surplus calculation
• Transaction patterns to identify spending trends
• Income frequency data for budget planning
• Investment preferences and risk tolerance
• Communication preferences for updates and alerts

Data Sharing and Third Parties

We work with carefully vetted financial partners to provide you with surplus management options. These partnerships allow us to offer investment opportunities, high-yield savings accounts, and other surplus growth strategies.

Your information is shared only when necessary to complete services you've requested. For example, if you choose to invest surplus funds through one of our partner platforms, we'll share relevant financial data to facilitate that investment. We never sell your personal information to marketing companies or unrelated third parties.

Service Providers

We use trusted service providers for customer support, data analysis, and technical infrastructure. These companies sign strict confidentiality agreements and can only access your information for specific business purposes.

Your Rights and Data Control

You maintain complete control over your personal information. At any time, you can request to see exactly what data we've collected, ask for corrections to inaccurate information, or request complete deletion of your account and associated data.

Our platform includes privacy settings that let you control how your information is used. You can opt out of personalized recommendations, limit data sharing with partners, or adjust communication preferences directly from your dashboard.

• Access your complete data file within 48 hours of request
• Correct any inaccurate personal or financial information
• Delete your account and all associated data permanently
• Export your financial insights and reports
• Limit automated decision-making based on your data

Security Measures and Data Protection

We employ multiple layers of security to protect your information. Our systems undergo regular security audits by independent firms, and we maintain compliance with South African financial data protection regulations.

All data transmission occurs through encrypted channels, and our servers are housed in secure facilities with restricted access. We also monitor for unusual account activity and will alert you immediately if we detect any suspicious behavior.

Incident Response

In the unlikely event of a data breach, we commit to notifying affected users within 72 hours. Our incident response team works around the clock to address any security concerns and implement additional protective measures as needed.

Cookies and Tracking

We use essential cookies to maintain your login session and remember your preferences. Analytics cookies help us understand how users interact with our platform so we can improve the surplus management experience.

You can control cookie settings through your browser, though disabling essential cookies may limit platform functionality. We don't use tracking cookies for advertising purposes since our focus remains on providing financial services rather than marketing to you.

Policy Updates and Changes

We review this privacy policy annually and update it when we add new features or change data practices. Significant changes will be communicated through email and prominent notices on our platform.

Minor clarifications or updates may be posted without additional notification, but we'll always maintain the effective date at the top of this document so you can track when changes occurred.