Privacy Policy

Information we collect

The information depends on how you use Money-Wise.

• Account and profile information: Your name, email address, password hash, email-verification status, profile details, sign-in activity and account preferences.
• Assessments and interactive tools: Answers, scores, result bands, saved plans, calculator inputs and outputs, values exercises, report requests and progress through a tool.
• Academy activity: Course enrolments, lesson progress, completed lessons, learning materials accessed and reminder or learning-nudge status.
• Payments and checkout: Contact details, currency, amount, product, payment method, transaction reference and payment status. Card or mobile-money credentials are handled by the selected payment provider and are not stored by Money-Wise.
• Inquiries, coaching and events: Contact details, organisation, audience profile, requested topics, event information, coaching intake answers, preferred delivery format and any message you submit.
• Feedback and communications: Training feedback, survey responses, newsletter choices, support requests and records of communications with the Money-Wise team.
• Technical and security information: IP address, browser or device information, timestamps, session data, essential cookies and security logs generated when you use the platform.

How we use information

We use personal information for the purpose it was collected and for closely related platform operations.

• Deliver services: Create and secure accounts, display results, save plans, provide course access, track progress, generate reports and respond to inquiries.
• Personalise your journey: Recommend relevant tools, courses or next steps from your assessments, saved plans, enrolments and activity.
• Process and verify payments: Start checkout, confirm transactions, prevent duplicate fulfilment, provide receipts or status updates and grant paid access only after verification.
• Communicate: Send service messages, learning reminders, event information, requested follow-up and, where you have chosen it, practical tips or promotional communication.
• Improve and measure: Understand use of the platform, course engagement and service quality through aggregated reporting, feedback and operational analytics.
• Protect the platform: Authenticate users, detect misuse, investigate errors, maintain audit records and protect users, RH Group and the public.
• Meet obligations: Maintain records and respond to lawful requests, disputes, tax, accounting or regulatory requirements where applicable.

When information is shared

We share only what is reasonably necessary for a service, instruction or legal requirement.

• Service providers: Hosting, email delivery, video hosting, file storage, booking, support and other technology providers that process information for Money-Wise.
• Payment providers: Depending on the method you choose, payment information may be sent to Safaricom M-Pesa, Paystack or Flutterwave to initiate and verify a transaction.
• Learning and media providers: Course video playback may use Wistia or YouTube. Their services can receive technical information needed to deliver embedded media.
• Professional and specialist support: Information may be shared with an authorised coach, trainer or specialist where this is needed to deliver the service you requested.
• Legal and safety reasons: Information may be disclosed where required by law or reasonably necessary to protect rights, safety, security or prevent fraud.
• Business changes: Information may be transferred as part of a merger, reorganisation or transfer of the relevant business, subject to appropriate confidentiality and privacy safeguards.

Cookies and sessions

Money-Wise uses essential cookies and session storage to keep the site secure, remember sign-in state, protect forms and maintain a working checkout or learning session. Blocking essential cookies can prevent account, tool, form or payment features from working. If non-essential tracking is introduced, this notice and any required consent controls will be updated.

Security

We use safeguards appropriate to the platform, including encrypted web connections, hashed account passwords, access-controlled administration, payment-provider verification and restricted configuration secrets. No online system is risk-free, so please use a strong, unique password and contact us promptly if you suspect unauthorised access.

Retention

We retain information for as long as it is needed to provide your account or requested service, maintain legitimate operational and financial records, resolve disputes, enforce agreements and meet applicable requirements. Retention periods vary by record type. Information may be deleted, anonymised or securely archived when it is no longer required.

International processing

Some service providers may process or store information outside Kenya. Where that happens, we take reasonable steps to use providers and arrangements that protect the information consistently with this policy and applicable requirements.

Your choices and rights

• Access or ask for a copy of personal information we hold about you.
• Correct information that is inaccurate or incomplete.
• Request deletion or restriction where the request can lawfully be honoured.
• Object to or withdraw consent for optional promotional communications.
• Ask questions about how a result, recommendation or decision was produced.
• Raise a concern about the way your information has been handled.

You can update core profile information from your account. For other requests, contact us using the details below. We may need to verify your identity before acting on a request.

Children

Money-Wise is not designed for children to create accounts or make purchases without appropriate parent or guardian involvement. If you believe a child has submitted personal information inappropriately, please contact us.

Changes to this policy

We may update this policy when the platform, service providers or requirements change. The effective date at the top of this page will show the latest published version. Material changes may also be communicated through the website, account or email where appropriate.