Privacy & Refund Policy

1. Introduction

Mukanalo (Pty) Ltd ("Mukanalo", "we", "our", or "us") is committed to protecting the privacy and personal information of our customers, employees, suppliers, and website users. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa.

2. Information We Collect

We may collect the following personal information:

• Full name
• Identity or passport number (where required)
• Company name
• Email address
• Telephone number
• Physical and postal address
• Payment and billing information
• Website usage information, including IP address, browser type, cookies, and device information
• Any other information you voluntarily provide to us

3. How We Collect Your Information

We collect information when you:

• Contact us by phone, email, or through our website
• Complete forms or applications
• Purchase our products or services
• Subscribe to newsletters or marketing communications
• Visit our website
• Interact with us on social media

4. Purpose of Processing Personal Information

We process your personal information to:

• Provide our products and services
• Respond to enquiries and customer support requests
• Process payments and invoices
• Improve our services and website
• Comply with legal and regulatory obligations
• Send marketing communications (where you have consented or where permitted by law)
• Prevent fraud and maintain security

5. Legal Basis for Processing

We process personal information where:

• You have given consent
• Processing is necessary to perform a contract
• Processing is required by law
• Processing protects a legitimate interest of you or Mukanalo (Pty) Ltd

6. Sharing Your Information

We may share your personal information with:

• Payment service providers
• IT service providers
• Professional advisers
• Government authorities where legally required
• Business partners or subcontractors involved in delivering our services

We do not sell your personal information to third parties.

7. Cookies

Our website may use cookies and similar technologies to improve user experience, analyse website traffic, and enhance website functionality. You may disable cookies through your browser settings, although some website features may not function correctly.

8. Data Security

We implement appropriate technical and organisational measures to protect your personal information against:

• Unauthorised access
• Loss
• Misuse
• Alteration
• Disclosure
• Destruction

While we take reasonable precautions, no method of electronic transmission or storage is completely secure.

9. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes described in this policy or as required by applicable law.

10. Your Rights

Subject to POPIA, you have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of information where legally permitted
• Object to certain processing activities
• Withdraw consent where processing is based on consent
• Lodge a complaint with the Information Regulator of South Africa

11. Third-Party Websites

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those websites.

12. Children's Privacy

Our services are not directed at children under the age of 18. We do not knowingly collect personal information from children without appropriate legal consent.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published on our website together with the revised effective date.

14. Contact Us

If you have any questions about this Privacy Policy or how we process personal information, please contact:

15. Information Regulator

If you believe your rights under POPIA have been infringed, you may lodge a complaint with the Information Regulator (South Africa).

1. Purpose

This policy outlines the conditions under which a learner or client may receive a refund for training fees paid to Mukanalo Pty Ltd. It ensures fairness, transparency, and compliance with relevant legal and accreditation requirements.

2. Scope

This policy applies to:

• Individual learners
• Corporate clients
• Sponsors of learners

Enrolled in any accredited or non-accredited training programme offered by Mukanalo Pty Ltd.

3. Policy Statement

Mukanalo Pty Ltd is committed to providing high-quality training services. We understand that unforeseen circumstances may require a learner or client to withdraw from a programme. Refunds will be processed according to the conditions outlined below.

4. Refund Conditions

5. Exceptional Circumstances

Refunds may be granted on a discretionary basis (partial or full) for:

• Medical emergencies (proof required)
• Death in the immediate family
• Relocation due to employment

6. Non-Refundable Fees

The following are non-refundable:

• Application or registration fees
• Learning material already issued
• Bank charges or transaction fees

7. Process for Requesting a Refund

1. Submit a written request to admin@mukanalo.co.za or the training coordinator.
2. Attach supporting documentation (e.g., proof of payment, reason for withdrawal).
3. Refunds will be processed within 14 working days of approval.

8. Dispute Resolution

If a learner or client is dissatisfied with a refund decision, they may lodge a formal complaint using the Complaints and Appeals Policy.

9. Policy Review

This policy will be reviewed annually or as required to comply with changes in legislation or accreditation standards.