Privacy Policy

1. Introduction

PropertyHandle Africa (Pvt) Ltd ("we", "us", "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

We comply with the Zimbabwe Data Protection Act (2021) and adhere to international best practices including GDPR principles where applicable.

2. Data We Collect

2.1 Information You Provide

Identity Data: Full name, date of birth, national ID/passport number
Contact Data: Email address, phone number, physical address
Financial Data: Bank account details, mobile money numbers, transaction history
KYC Documents: ID copies, proof of address, selfie verification
Investment Data: Investment preferences, risk tolerance, portfolio information

2.2 Automatically Collected Data

Device Data: IP address, browser type, operating system
Usage Data: Pages visited, features used, time spent on platform
Location Data: Country and city based on IP address
Cookies: Session and preference data (see our Cookie Policy)

3. How We Use Your Data

We use your personal data to:

Create and manage your account
Process investments and transactions
Comply with KYC/AML regulatory requirements
Send transaction confirmations and statements
Provide customer support
Improve our platform and services
Send marketing communications (with your consent)
Detect and prevent fraud

4. Legal Basis for Processing

We process your personal data on the following legal bases:

Contract: To provide our services as agreed in the Terms of Service
Legal Obligation: To comply with financial regulations and AML laws
Legitimate Interest: To improve our services and prevent fraud
Consent: For marketing communications and cookies

6. Data Retention

We retain your data for:

Active accounts: Duration of account plus 7 years
Transaction records: 10 years (regulatory requirement)
KYC documents: 5 years after account closure
Marketing preferences: Until you withdraw consent

7. Your Rights

Under data protection laws, you have the right to:

Access: Request a copy of your personal data
Rectification: Correct inaccurate or incomplete data
Erasure: Request deletion of your data (subject to legal requirements)
Restriction: Limit how we process your data
Portability: Receive your data in a structured format
Objection: Object to processing based on legitimate interests
Withdraw Consent: Withdraw marketing consent at any time

To exercise your rights, contact us at legal@propertyhandleafrica.com.

8. Security

We implement industry-standard security measures including:

256-bit SSL/TLS encryption for data in transit
AES-256 encryption for data at rest
Two-factor authentication
Regular security audits and penetration testing
Employee access controls and training

9. International Transfers

Your data may be transferred to and processed in countries outside Zimbabwe for cloud hosting and service provision. We ensure adequate protection through:

Standard contractual clauses with service providers
Selecting providers with robust security certifications (SOC 2, ISO 27001)

10. Children's Privacy

Our platform is not intended for individuals under 18 years of age. We do not knowingly collect data from children. If you believe a child has provided us with personal data, please contact us immediately.

11. Policy Changes

We may update this Privacy Policy periodically. We will notify you of material changes via email or platform notification. Your continued use of the platform after changes constitutes acceptance.

12. Contact Us

For privacy-related inquiries:

Data Protection Officer: legal@propertyhandleafrica.com
General Privacy: legal@propertyhandleafrica.com
Address: Eight2Five Innovation Hub, Three Anchor House, 54 Jason Moyo Avenue, Harare, Zimbabwe

You may also lodge a complaint with the Postal and Telecommunications Regulatory Authority of Zimbabwe (POTRAZ) as the data protection supervisory authority.