Privacy Policy

Overview

This Privacy Policy describes how Life Vault (Pty) Ltd ("Life Vault", "we", "us", or "our") collects, uses, stores, discloses, and protects your personal information when you access or use our platform, mobile application, website, or services (collectively, the "Services"). We are committed to safeguarding your privacy in accordance with the Protection of Personal Information Act, 4 of 2013 (POPIA), and other applicable South African data protection laws.

Scope and Consent

By using Life Vault's Services, you acknowledge and agree to the collection and processing of your personal data as set out in this Privacy Policy. This policy applies to all users, whether registered or visiting, and covers information collected directly, automatically, or from third parties.

Types of Personal Information Collected

We may collect and process the following categories of personal information:

• Identification Data: Full name, ID/passport number, date of birth.
• Contact Details: Mobile number, email address, physical and postal address.
• Account and Login Information: Username, password (encrypted), security preferences.
• Document and Content Information: Files and records you upload to the Vault including Wills, insurance documents, digital credentials, and personal notes.
• Usage Data: Interactions with the platform, page views, access logs, time spent, and preferences.
• Location Data: Approximate location based on IP or more specific location via GPS where permitted.
• Communication Data: Records of support requests, inquiries, and service-related communication.
• Technical Data: Browser type, device identifiers, crash reports, and cookies.

How We Use Your Information

Your personal data is processed to serve the following purposes:

• To provide and maintain our Services securely and reliably.
• To verify your identity and authenticate your access to the platform.
• To allow you to manage your digital estate and assign approved persons to access documents.
• To communicate with you regarding system alerts, account changes, and service updates.
• To comply with legal obligations and assist in law enforcement when necessary.
• To improve platform performance, develop new features, and conduct analytics.
• To protect Life Vault and its users from fraud, abuse, or unauthorised access.
• To carry out audits, troubleshooting, data analysis, and statistical research.

Cookies and Tracking Technologies

We use cookies, pixel tags, and other tracking technologies to collect information about your interactions with our platform. This helps us enhance your experience, analyse usage patterns, and improve security. You may manage cookie preferences in your browser settings. Please note, certain features may not function optimally without cookies enabled.

Disclosure of Personal Information

We may share your information in the following circumstances:

• With our trusted service providers for purposes such as hosting, security, payments, and communication tools.
• With legal authorities where disclosure is required under law, court order, or enforcement request.
• In response to claims or to protect Life Vault's rights, safety, or property.
• As part of a business transaction such as merger, acquisition, restructuring, or asset transfer, subject to confidentiality safeguards.
• With your explicit consent.

International Data Transfers

Although our data centres are located in South Africa, some third-party providers may operate in other jurisdictions. Where applicable, we will ensure that appropriate safeguards (such as contractual clauses) are in place to protect your personal data in accordance with POPIA.

Data Security Measures

We implement industry-standard security protocols including encryption, access controls, and routine monitoring to protect your data. While we strive to protect your personal information, no method of transmission over the internet is completely secure. Use of the platform is at your own risk.

Data Retention Policy

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy or to comply with legal obligations. Inactive or deactivated accounts may be archived, with essential data retained for audit, legal, or operational reasons.

Your Rights Under POPIA

You have the following rights with respect to your personal data:

• Right to Access – to request a copy of the information we hold about you.
• Right to Rectification – to request correction of inaccurate or incomplete data.
• Right to Deletion – to request deletion of your data where lawful and feasible.
• Right to Object – to object to processing under certain conditions.
• Right to Withdraw Consent – to withdraw previously given consent at any time.
• Right to Lodge a Complaint – to the Information Regulator of South Africa.

How to Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy, you may contact our team at:

Email: info@lifevault.co.za

Policy Amendments

Life Vault reserves the right to revise this Privacy Policy at any time. Changes will be communicated via our platform and will take effect once posted. We encourage users to periodically review this policy to stay informed of updates.