Privacy Policy
Welcome to Fio Capital (Pty) Ltd ("Fio Capital," "we," "us," or "our"). We are committed to protecting the privacy and security of our clients' and website visitors' personal information. This Privacy Policy outlines how we collect, use, store, and protect your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA).By using our website and submitting your information, you acknowledge that you have read this policy and understand how your personal information will be processed as described herein.
The Information We Collect
We collect personal information directly from you when you voluntarily fill out the enquiry form on our website. The information we collect is limited to what is necessary for our business purposes and includes:
Name: To identify you and communicate with you respectfully.
Company: To understand the business context of your enquiry.Email Address: To respond to your enquiry and communicate with you regarding your request.
Website (where applicable): To understand the business or entity you represent.Contact Number: To respond to your enquiry by phone, where appropriate.
Investor/Business Owner/Other Classification: To understand the nature of your interest and route your enquiry to the appropriate team member.
Message: To review the specific context, requirements, or questions you have submitted, and to provide an accurate response or assistance.
Name: To identify you and communicate with you respectfully.
Company: To understand the business context of your enquiry.Email Address: To respond to your enquiry and communicate with you regarding your request.
Website (where applicable): To understand the business or entity you represent.Contact Number: To respond to your enquiry by phone, where appropriate.
Investor/Business Owner/Other Classification: To understand the nature of your interest and route your enquiry to the appropriate team member.
Message: To review the specific context, requirements, or questions you have submitted, and to provide an accurate response or assistance.
How We Use Your Information & Lawful Basis for Processing
Fio Capital (Pty) Ltd acts as the Responsible Party, as defined under POPIA, for the personal information collected through this website. We process your personal information under the following lawful grounds:
Consent: Where you have given clear consent for us to process your personal information for a specific purpose, such as receiving newsletters or marketing material.
Contractual Necessity: To review your enquiry, assess project or service requirements, prepare proposals or quotes, and communicate regarding potential or ongoing work.
Legitimate Interests: For administrative purposes, maintaining records of incoming communications, managing client relationships, and ensuring effective operational responses.
Legal Obligation: Where processing is necessary to comply with a legal or regulatory requirement.
Specifically, we use your personal information to:
Contact you via email at info@capital.fio.group or the email address you provided.
Address and fulfil the specific nature and details of your enquiry.
Provide our products and services, including client service, financial services, accounting, billing, and collections.
Maintain internal operational records.
We will not use your details for unsolicited direct marketing unless you have explicitly opted in, and we will never sell, lease, or trade your personal information to third parties for commercial gain.
Consent: Where you have given clear consent for us to process your personal information for a specific purpose, such as receiving newsletters or marketing material.
Contractual Necessity: To review your enquiry, assess project or service requirements, prepare proposals or quotes, and communicate regarding potential or ongoing work.
Legitimate Interests: For administrative purposes, maintaining records of incoming communications, managing client relationships, and ensuring effective operational responses.
Legal Obligation: Where processing is necessary to comply with a legal or regulatory requirement.
Specifically, we use your personal information to:
Contact you via email at info@capital.fio.group or the email address you provided.
Address and fulfil the specific nature and details of your enquiry.
Provide our products and services, including client service, financial services, accounting, billing, and collections.
Maintain internal operational records.
We will not use your details for unsolicited direct marketing unless you have explicitly opted in, and we will never sell, lease, or trade your personal information to third parties for commercial gain.
Who We Share This Information With
Fio Capital (Pty) Ltd does not share your personal information with third parties except as disclosed in this policy. To fulfil your request or deliver our services, we may share your information with trusted subcontractors, contractors, employees, officers, insurers, agents, suppliers, and professional advisers, all of whom are bound by confidentiality and data protection obligations consistent with POPIA.
We may also disclose your personal information if required to do so by law, court order, or a regulatory body, including the Information Regulator.
We may also disclose your personal information if required to do so by law, court order, or a regulatory body, including the Information Regulator.
Cross-Border Transfers
Where your personal information is transferred to or accessed from outside South Africa, we ensure appropriate safeguards are in place — such as contractual protections with the recipient — to ensure your information receives a level of protection consistent with POPIA.
Data Security
We take the security of your personal information seriously. Personal information is stored in a combination of paper and electronic files, held on secure servers, and we apply reasonable technical and organisational measures to prevent loss, misuse, unauthorised access, or alteration of your personal information.
You are responsible for keeping any password used to access our website confidential; we will never ask you for your password.
You are responsible for keeping any password used to access our website confidential; we will never ask you for your password.
Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, or as required to comply with applicable legal, regulatory, or accounting retention periods. Once no longer required, your personal information will be securely deleted or anonymised.
Your Rights Under POPIA
You have the following rights regarding your personal information:
Right to Access: Request confirmation of, and a copy of, the personal information we hold about you.
Right to Correction: Request correction or updating of inaccurate, incomplete, or outdated personal information.
Right to Deletion: Request that we delete or destroy personal information we no longer have authority to retain.
Right to Object: Object to the processing of your personal information, including for direct marketing purposes.
Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent, without affecting the lawfulness of processing carried out before withdrawal.
Right to Lodge a Complaint: Lodge a complaint with the Information Regulator of South Africa if you believe your personal information has been processed unlawfully.
To exercise any of these rights, please contact us using the details in Section 11. We will respond within a reasonable time and in accordance with POPIA's timeframes.
Right to Access: Request confirmation of, and a copy of, the personal information we hold about you.
Right to Correction: Request correction or updating of inaccurate, incomplete, or outdated personal information.
Right to Deletion: Request that we delete or destroy personal information we no longer have authority to retain.
Right to Object: Object to the processing of your personal information, including for direct marketing purposes.
Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent, without affecting the lawfulness of processing carried out before withdrawal.
Right to Lodge a Complaint: Lodge a complaint with the Information Regulator of South Africa if you believe your personal information has been processed unlawfully.
To exercise any of these rights, please contact us using the details in Section 11. We will respond within a reasonable time and in accordance with POPIA's timeframes.
Data Breach Notification
In the event of a security compromise that has, or is reasonably suspected to have, resulted in unauthorised access to or acquisition of your personal information, Fio Capital (Pty) Ltd will notify the Information Regulator and affected data subjects as soon as reasonably possible, in accordance with POPIA. This notification will, where possible, include sufficient information to allow you to take protective measures, and details of the steps we are taking to address the breach.
Links to Other Websites
Our website may contain links to other websites. When you click on one of these links, you leave our website. We encourage you to review the privacy policies of any linked sites, as their practices may differ from ours.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect operational, legal, or regulatory changes. Where amendments materially affect how we use or disclose personal information already held, we will seek your consent before applying such changes. Any updates will be published on this page.
Contact Details & Information Officer
If you have any questions about this Privacy Policy, or wish to exercise any of your rights under POPIA, please contact us:
Responsible Party: Fio Capital (Pty) Ltd
You also have the right to lodge a complaint with the Information Regulator of South Africa (www.justice.gov.za/inforeg).
Email:info@capital.fio.group
Responsible Party: Fio Capital (Pty) Ltd
You also have the right to lodge a complaint with the Information Regulator of South Africa (www.justice.gov.za/inforeg).
Email:info@capital.fio.group
Document Version
Effective Date: 10 September 2026
Last Updated: 10 September 2026
This policy will be reviewed periodically and updated as needed to reflect changes in our practices or legal requirements, as described above.
Last Updated: 10 September 2026
This policy will be reviewed periodically and updated as needed to reflect changes in our practices or legal requirements, as described above.