Privacy notice
Who is responsible
The responsible party is Harika van der Merwe, trading as FinCheck, of 16 Pieter Street, Highveld, Centurion, 0157.
The Information Officer is Harika van der Merwe, reachable at harikavandermerwe@gmail.com.
What is collected, and what is not
The financial health check collects nothing. It asks no figures, no identity number and nothing about your accounts. Your answers stay in your browser and are never sent to us. The same is true of every calculator here: the numbers you type are never transmitted.
If you choose to submit the contact form, we receive your name, your email address, and — only if you fill them in — your mobile number, your preferred method of contact, and any message you write. If you completed the check first, the overall band is included. Your individual answers are not.
Why it is collected
To reply to your enquiry, and nothing else. Your information is not sold, rented or shared for anyone else’s marketing.
Whether you have to provide it
Providing it is entirely voluntary. Every tool on this site works without giving us anything at all. The only consequence of not providing your details is that we cannot reply, because we would have no way to reach you.
Consent, and why it is split in two
Asking us to contact you about your enquiry is separate from agreeing to receive marketing. They are different permissions and we never bundle them.
Required: I would like Harika van der Merwe to contact me about this enquiry, using the details I have provided.
Optional, never pre-ticked: Separately, I agree to receive occasional financial education and updates by email or WhatsApp. I can withdraw this at any time, and every message will say how.
Under POPIA an untouched box is not consent. Leave the second one alone and you will not be added to any marketing list. The Information Regulator treats a telephone call as electronic communication, so a later call offering something would need that same permission first.
We record the exact wording you agreed to and when, so what you consented to is never a matter of anyone’s memory.
How long it is kept
Enquiries are kept for 24 months. An enquiry is kept for two years so a conversation begun now can be picked up later, and then deleted.
Consent records are kept for 5 years. Consent records outlive the enquiry itself, because the record of what someone agreed to is the evidence that contacting them was lawful.
Where it goes
The site is hosted on Vercel, whose servers are outside South Africa, so anything you submit is processed abroad. Section 72 permits this where the recipient is subject to comparable protection or where you consent to it.
It is not shared with any other recipient, beyond the hosting provider that necessarily processes it in order to deliver the site.
How it is protected
- The site is served over HTTPS and sends no personal information in a URL.
- Submissions are validated and rate-limited on the server, never in the browser alone.
- The financial health check runs entirely in your browser. Your answers are never transmitted.
- Only the overall band from the check is included in a submission, never the individual answers.
- Access to submitted enquiries requires authentication.
Your rights
- Access
- Correction
- Deletion
- Objection
- Withdraw consent
- Complain
Complaining to the Regulator
You can complain directly to the Information Regulator (South Africa) at complaints.IR@justice.gov.za or through inforegulator.org.za. You do not have to raise it with us first.
Access to information
Our PAIA manual, describing what records are held and how to request them, is at /paia.
Changes
If this notice changes materially the change appears here, and where it affects what you consented to we will ask again rather than assume.
Questions about this notice go to harika.vandermerwe@conceptwealth.co.za.