Privacy Policy

Effective date: 10 June 2026

This Privacy Policy explains how we collect, use, share and protect personal information through the website at kovuna.com (the “Website”), in line with the Protection of Personal Information Act 4 of 2013 (“POPIA”).

1.Who we are

The operator of this Website is the responsible party for personal information collected through it. You can reach us, or our Information Officer, at hello@kovuna.com.

2.What information we collect

• Information you give us: when you join the waitlist or contact us, your email address and the role you select (for example, parent or gift-giver), and anything you choose to include in a message.
• Technical information: basic information sent automatically by your browser, such as a timestamp and limited request data needed to operate and secure the Website.

We ask for as little as possible. We do not ask for, and you should not send us, identity numbers, banking details, or other sensitive information through this Website.

3.How we use your information

• To add you to the waitlist and to contact you about the launch and availability of Kovuna;
• To respond to your enquiries;
• To operate, secure, maintain and improve the Website; and
• To comply with our legal obligations.

We do not sell your personal information, and we do not use it for unrelated marketing without your consent.

4.Our lawful basis

We process your information on the basis of your consent (which you give by submitting it), to take steps at your request before any product is offered, for our legitimate interests in operating and securing the Website, and to meet legal obligations. You may withdraw your consent at any time (see “Your rights”).

5.Who we share it with

We share personal information only as needed:

• with service providers who host and operate the Website on our behalf, under confidentiality and data-protection obligations;
• with eNL Mutual Bank, as the intended provider of the product, where relevant to your interest in it;
• where required by law, regulation, or a lawful request by a public authority; and
• to establish, exercise or defend a legal claim.

6.Cookies

The Website uses only what is strictly necessary for it to function and to keep it secure. It does not currently use third-party advertising or cross-site tracking cookies. If we add analytics or similar technology in future, we will update this Policy and, where required, ask for your consent first.

7.How long we keep it

We keep waitlist and enquiry information for as long as needed for the purpose it was given (for example, until launch and a reasonable period after), or until you ask us to delete it, whichever is sooner, unless we are required to keep it longer by law.

8.How we protect it

We apply reasonable, appropriate technical and organisational measures to safeguard personal information against loss, unauthorised access, and misuse. No method of transmission or storage is completely secure, but we take steps to protect your information and to limit what we collect.

9.Information processed outside South Africa

Our service providers may store or process information in countries outside South Africa. Where this happens, we take reasonable steps to ensure the information enjoys a level of protection consistent with POPIA.

10.Your rights

Subject to POPIA, you have the right to: ask what personal information we hold about you and request access to it; ask us to correct or delete it; object to its processing; and withdraw consent at any time. To exercise any of these, email hello@kovuna.com and we will respond within a reasonable time.

11.Children

The Website and waitlist are intended for adults (18 years or older), such as parents and gift-givers. They are not directed at children, and we do not knowingly collect a child’s personal information through the Website. If you believe a child has provided us information, contact us and we will delete it.

12.Complaints

If you are not satisfied with how we handle your personal information, please contact us first at hello@kovuna.com. You also have the right to lodge a complaint with the Information Regulator (South Africa) via its website, inforegulator.org.za.

13.Changes and contact

We may update this Policy from time to time; the “Effective date” above shows when it last changed. For any privacy question or request, email hello@kovuna.com.

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Kovuna is a planned product to be offered through eNL Mutual Bank, a licensed financial institution (Mutual Banks Act 124 of 1993, registration MB0034; NCRP21460). Questions about this notice: hello@kovuna.com. © 2026 Kovuna.