1. Introduction Clever Cashflows (Pty) Ltd ("we", "us", "our") is committed to protecting your privacy and ensuring your personal information is processed lawfully and transparently in accordance with the Protection of Personal Information Act (POPIA).

2. Information We Collect We collect information that can identify you as an individual or a legal entity. This includes:

• Identifying Information: Name, ID/Passport numbers, and business registration details.

• Contact Details: Email addresses, physical addresses, and telephone numbers.

• Financial Information: Income, expenses, assets, liabilities, and Sage-based financial records required for compliance and advisory services.
  
  

3. Purpose of Processing We process your personal information only for specific, defined, and lawful purposes. These include:

• Responding to your inquiries and providing strategic financial advice.

• Performing Sage-based automation, bookkeeping, and tax compliance (ITR12, Registrations, etc.).

• Complying with professional standards set by the South African Institute of Chartered Accountants (SAICA) and other regulatory bodies.
  
  

4. Security Safeguards We take reasonable technical and organizational measures to protect your information against unauthorized access, loss, or damage. We require the same level of security from our service providers, such as Sage.

5. Data Retention We will not keep your personal information longer than is necessary to achieve the purpose for which it was collected, unless further retention is required by law (e.g., SARS record-keeping requirements).

6. Your Rights Under POPIA, you have the right to:

• Access the personal information we hold about you.

• Request the correction or deletion of inaccurate or outdated information.

• Object to the processing of your information for specific purposes.
  
  

7. Contact Us If you have any questions regarding this policy or wish to exercise your rights, please contact our Information Officer at info@clevercashflows.co.za.