Last Updated: 10 September 2026

At SAWise.co.za, we respect your privacy and are committed to protecting the personal information of our visitors. This Privacy & Cookie Policy explains what information may be collected when you visit SAWise.co.za, why it may be collected, how it may be used, and the choices available to you.

SAWise.co.za is a South African information and publishing website providing educational content relating to banking, credit and loans, insurance, personal finance, money and business.

We aim to collect only the information reasonably necessary to operate, maintain and improve our website and communicate with visitors who choose to contact us.

By using SAWise.co.za, you acknowledge the practices described in this Privacy & Cookie Policy.

Information We May Collect

You can generally browse SAWise.co.za without providing your name, telephone number or other information that directly identifies you.

However, certain information may be collected automatically when you visit the website, and additional information may be provided voluntarily when you contact us.

Information You Provide Voluntarily

If you contact SAWise.co.za through a contact form, email or another communication method, we may receive information such as:

• Your name;
• Email address;
• Information contained in your message;
• Any documents or files you voluntarily provide; and
• Other information you choose to share with us.

Please do not send passwords, PINs, banking credentials, card numbers or other sensitive financial information to SAWise.co.za.

We do not require your online banking password, card PIN or similar credentials to provide our general informational content.

Information Collected Automatically

When you access SAWise.co.za, certain technical information may be collected automatically by our website, hosting provider, analytics services or other technology providers.

This information may include:

• Internet Protocol (IP) address;
• Browser type;
• Device type;
• Operating system;
• Referring website or page;
• Pages visited;
• Approximate date and time of visits;
• Time spent on particular pages; and
• General interaction and website-performance information.

This information is primarily used to operate the website, understand how visitors use our content, identify technical problems, improve website performance and protect the site against abuse or security threats.

How We Use Information

Information collected through SAWise.co.za may be used to:

• Operate and maintain the website;
• Respond to questions or messages submitted by visitors;
• Understand which articles and sections visitors find useful;
• Improve our content and website experience;
• Analyse website traffic and performance;
• Detect spam, fraud, abuse and security threats;
• Troubleshoot technical problems;
• Maintain website security;
• Measure the effectiveness of content and advertising; and
• Comply with applicable legal obligations.

We do not sell visitors’ personal information.

Personal Financial Information

SAWise.co.za publishes educational and informational content about financial products and financial topics.

We are not an online banking platform, and visitors should never provide banking passwords, card PINs or other confidential account credentials through our website.

Articles on SAWise.co.za may discuss or link to banks, lenders, insurers, investment providers and other financial-service providers.

If you choose to visit a third-party provider and submit an application, request a quotation, open an account or provide personal information, that information is submitted to the third-party provider, not SAWise.co.za, unless we clearly state otherwise.

The provider’s own privacy policy and terms will apply to information you submit on its website.

Log Files

SAWise.co.za follows standard practices involving server and website log files.

Information contained in these logs may include IP addresses, browser types, Internet Service Providers (ISPs), referring and exit pages, timestamps and website interactions.

Log information is generally used for website administration, security, troubleshooting, traffic analysis and understanding general usage patterns.

This technical information is not ordinarily used by us to personally identify individual visitors.

Cookie Policy

What Are Cookies?

Cookies are small text files that websites can place on your computer, smartphone or other device.

Cookies may help websites remember preferences, understand how visitors interact with pages, maintain functionality, measure traffic and deliver advertising.

SAWise.co.za may use both first-party cookies and cookies provided by trusted third-party services.

How SAWise Uses Cookies

Depending on the technologies currently active on our website, cookies may be used for purposes including:

Essential website functionality
Some cookies may be necessary for security, website functionality or remembering basic preferences.

Analytics and performance
Analytics technologies may help us understand how visitors find and use SAWise.co.za, which pages receive traffic and how the website performs.

Advertising
If advertising services are used, cookies or similar technologies may help deliver, measure and manage advertisements.

Security
Cookies and related technologies may also assist with preventing spam, malicious activity and other abuse.

Google Analytics

SAWise.co.za may use Google Analytics or similar analytics technologies to better understand how visitors interact with the website.

Analytics information may include pages visited, approximate session duration, device and browser information, traffic sources and general website interactions.

We use this information to understand website performance and improve our content and user experience.

Google may process information according to its own privacy policies and terms.

Google AdSense and Advertising

SAWise.co.za may display advertising provided by Google AdSense, Google Ad Manager or other advertising partners.

Google and other advertising providers may use cookies, web beacons or similar technologies to serve, personalise, limit, measure and evaluate advertising, subject to applicable consent requirements and their respective policies.

Depending on a visitor’s location, preferences and applicable law, advertisements may be personalised or non-personalised.

Third-party advertising technologies may automatically receive certain technical information, such as your IP address, when advertising content is delivered to your browser.

SAWise.co.za does not directly control cookies placed by independent third-party advertising providers.

Advertising Partners

Advertising partners may use technologies such as cookies, JavaScript, pixels or web beacons to measure advertising performance and, where permitted, provide advertising that may be more relevant to users.

Each advertising provider maintains its own privacy practices.

SAWise.co.za’s Privacy Policy does not replace or govern the privacy policies of independent third-party advertisers or websites.

Managing or Disabling Cookies

Most modern browsers allow you to view, delete, block or restrict cookies through browser settings.

You can therefore choose how your browser handles cookies.

Please note that disabling certain cookies may affect some website functionality or prevent particular features from operating as intended.

Where required, SAWise.co.za may also provide a cookie or consent-management tool that allows visitors to manage certain choices directly on the website.

External Links

Our articles may contain links to third-party websites, including banks, credit providers, insurers, government organisations, regulators and other informational resources.

Once you leave SAWise.co.za, we do not control the website you visit.

We are therefore not responsible for the privacy practices, security, content or data-handling procedures of independent third-party websites.

We encourage visitors to review the privacy policy and terms of any third-party website before providing personal or financial information.

Financial Product Applications

SAWise.co.za may provide information about financial products or services and may direct visitors to an official provider or another relevant third-party website.

Unless expressly stated otherwise, SAWise.co.za does not process loan applications, insurance applications, credit applications or bank-account applications directly.

Any personal information you provide after leaving SAWise.co.za is subject to the privacy practices of the website or financial institution receiving that information.

Email Communications

If SAWise.co.za introduces newsletters or other optional email communications, visitors may voluntarily subscribe to receive them.

We will use the information provided for the purpose for which the visitor supplied it.

Marketing emails sent directly by SAWise.co.za will provide an appropriate method to unsubscribe or opt out of future promotional communications.

We will not require visitors to subscribe to marketing communications simply to access our publicly available articles.

Data Retention

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected, to operate our website, resolve disputes, maintain appropriate records, protect our legal interests or satisfy applicable legal requirements.

Retention periods may vary depending on the type of information and why it was collected.

Data Security

We take reasonable administrative and technical precautions designed to protect information under our control against unauthorised access, loss, misuse, alteration or disclosure.

However, no website, internet transmission or electronic storage method can be guaranteed to be completely secure.

Visitors should therefore avoid sending highly sensitive financial or authentication information through ordinary website forms or email.

Sharing of Information

SAWise.co.za does not publicly disclose personally identifiable visitor information except where reasonably necessary to operate the website, work with service providers, protect our rights, prevent abuse, comply with legal obligations or respond to lawful requests from authorities.

Service providers that assist with hosting, analytics, website security, advertising or other technical functions may process certain information when providing those services.

Your Privacy Rights

Depending on applicable law and the circumstances, you may have rights relating to your personal information, including requesting access to personal information held about you, requesting correction of inaccurate information, objecting to certain processing, or requesting deletion where legally applicable.

We may need to verify a request before acting on it.

Certain information may need to be retained where required by law or for legitimate administrative, security or legal purposes.

Children’s Privacy

SAWise.co.za is intended as a general financial-information website and is not designed to knowingly collect personal information from children.

If we become aware that personal information relating to a child has been submitted inappropriately, we will take reasonable steps to address the situation in accordance with applicable requirements.

Third-Party Privacy Policies

Our Privacy & Cookie Policy applies to SAWise.co.za.

It does not govern independent websites, advertisers, financial institutions or other services that visitors may access through links appearing on our website.

Visitors should review the relevant third party’s privacy policy before submitting personal information.

Consent

By continuing to use SAWise.co.za, you acknowledge this Privacy & Cookie Policy and the data-handling practices described here.

Where applicable law requires separate consent for particular cookies or processing activities, we will seek that consent through an appropriate mechanism.

Changes to This Privacy & Cookie Policy

We may update this Privacy & Cookie Policy periodically to reflect changes to our website, technologies, advertising arrangements, legal requirements or privacy practices.

When significant changes are made, the Last Updated date at the top of this page will be revised.

We encourage visitors to review this page periodically.

Contact Us

If you have questions, concerns or requests relating to this Privacy & Cookie Policy or personal information associated with SAWise.co.za, please contact us through our Contact Us page.

Website: SAWise.co.za
Last Updated: 10 September 2026