Privacy Policy

Last updated: [Date]

AfricanDividends.com (“AfricanDividends”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal data.

This Privacy Policy explains how we collect, use, store, share and protect your personal data when you visit AfricanDividends.com, create an account, subscribe to our newsletter, purchase premium access, use our services, contact us, or interact with our website. This Privacy Policy is intended to comply with applicable European Union data protection laws, including the General Data Protection Regulation (EU) 2016/679, commonly known as the GDPR. By using AfricanDividends.com, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

AfricanDividends.com is a financial information and dividend data website focused on publicly listed companies across African stock markets.

For the purposes of the GDPR, the data controller is:

AfricanDividends.com
Trading as: AfricanDividends.com
Email: contact us.

Website: https://africandividends.com

The data controller is responsible for determining why and how your personal data is processed. If you have any questions about this Privacy Policy or your personal data, you can contact us.

2. What Personal Data We Collect

We collect different types of personal data depending on how you use AfricanDividends.com.

2.1 Account Data

When you create an account, we may collect:

• name or username;

• email address;

• password or encrypted login credentials;

• account creation date;

• login history;

• account status;

• subscription status;

• user preferences;

• communication preferences.

We do not store your password in plain text.

2.2 Subscription and Payment Data

When you purchase premium access or subscribe to a paid plan, we may collect or receive:

• billing name;

• billing email;

• billing country;

• billing address where required;

• payment status;

• transaction ID;

• subscription plan;

• renewal date;

• cancellation status;

• invoice or receipt data;

• VAT or tax-related information where applicable.

Payments may be processed by third-party payment providers. We generally do not store full credit card numbers or complete payment card details on our own servers.

2.3 Newsletter and Email Data

If you subscribe to our newsletter or agree to receive updates, we may collect:

• email address;

• subscription date;

• consent status;

• newsletter preferences;

• email opening data;

• link click data;

• unsubscribe status.

2.4 Website Usage and Technical Data

When you visit AfricanDividends.com, we may automatically collect technical and usage data, including:

• IP address;

• browser type and version;

• device type;

• operating system;

• pages visited;

• time spent on pages;

• referral source;

• approximate location based on IP address;

• language preferences;

• access times;

• cookie identifiers;

• error logs;

• security logs.

2.5 Contact and Support Data

When you contact us by email, contact form or another communication method, we may collect:

• your name;

• email address;

• message content;

• attachments you send us;

• support history;

• any information you voluntarily provide.

2.6 Security and Fraud Prevention Data

To protect AfricanDividends.com, our users and premium content, we may collect:

• IP address;

• login attempts;

• failed login events;

• suspicious activity logs;

• payment fraud indicators;

• access patterns;

• device and browser identifiers;

• abuse or scraping indicators.

3. How We Use Your Personal Data

We use your personal data for the purposes described below.

3.1 To Provide the Website and Services

We use personal data to:

• create and manage user accounts;

• authenticate users;

• provide access to free and premium content;

• manage subscriptions;

• process payments;

• display account information;

• maintain website functionality;

• deliver digital services and premium features.

3.2 To Communicate With You

We use personal data to:

• send account-related emails;

• send payment confirmations;

• send subscription updates;

• respond to support requests;

• send legal or service notices;

• send security alerts;

• send newsletters and marketing emails where permitted.

3.3 To Improve AfricanDividends

We may use personal data and usage data to:

• understand how visitors use the website;

• improve navigation and content;

• detect technical errors;

• improve premium dashboards;

• measure newsletter performance;

• analyze website performance;

• develop new features and services.

3.4 To Protect the Website and Premium Content

We may use personal data to:

• prevent fraud;

• detect scraping, abuse or unauthorized access;

• protect paid content;

• enforce our Terms & Conditions;

• secure user accounts;

• investigate suspicious activity;

• prevent misuse of the platform.

3.5 To Comply With Legal Obligations

We may use personal data to:

• comply with tax and accounting obligations;

• issue invoices or receipts;

• keep legally required business records;

• respond to lawful requests;

• establish, exercise or defend legal claims;

• comply with consumer protection and payment regulations.

4. Legal Bases for Processing Personal Data

Where the GDPR applies, we process your personal data under one or more lawful bases.

4.1 Performance of a Contract

We process personal data when it is necessary to provide services you request, including:

• creating your account;

• providing premium access;

• managing your subscription;

• processing payments;

• delivering digital content;

• sending essential service communications.

4.2 Consent

We rely on your consent where required, including for:

• newsletter subscriptions;

• marketing emails;

• non-essential cookies;

• analytics cookies where consent is required;

• marketing or advertising cookies where used.

You may withdraw your consent at any time.

Withdrawing consent does not affect the lawfulness of processing carried out before withdrawal.

4.3 Legitimate Interests

We may process personal data based on our legitimate interests, including:

• securing the website;

• preventing fraud and abuse;

• protecting premium content;

• improving website performance;

• understanding general service usage;

• responding to user requests;

• enforcing our Terms & Conditions.

We only rely on legitimate interests where we believe your rights and freedoms do not override those interests.

4.4 Legal Obligation

We may process personal data when necessary to comply with legal obligations, including:

• tax records;

• accounting records;

• invoicing obligations;

• consumer protection requirements;

• legal claims;

• regulatory or lawful requests.

5. Cookies and Similar Technologies

AfricanDividends.com uses cookies and similar technologies. Cookies are small files stored on your device. They help the website function, remember preferences, manage login sessions, protect accounts, analyze usage or support marketing activities. Some cookies are necessary for a website to function and generally do not require consent, such as authentication cookies and technical cookies required by certain systems. Other cookies, such as analytics or marketing cookies, may require prior consent under European rules.

5.1 Strictly Necessary Cookies

These cookies are required for the website to operate. They may be used for:

• login sessions;

• authentication;

• account access;

• premium content access;

• payment flow;

• security;

• fraud prevention;

• cookie consent preferences.

These cookies cannot usually be disabled through our website because they are necessary to provide the service.

5.2 Preference Cookies

These cookies may remember your choices, such as:

• language preferences;

• display settings;

• cookie settings;

• login preferences.

5.3 Analytics Cookies

If used, analytics cookies help us understand how visitors interact with AfricanDividends.com.

They may collect data such as:

• pages visited;

• time spent on pages;

• referral source;

• device type;

• approximate location;

• interaction with website features.

We use analytics cookies only where permitted by law and, where required, with your prior consent.

5.4 Marketing Cookies

If used, marketing cookies may help us measure campaigns, understand traffic sources or display relevant advertising. We use marketing cookies only where permitted by law and, where required, with your prior consent.

5.5 Managing Cookies

You can manage your cookie preferences through our cookie banner or cookie settings tool where available. You can also control cookies through your browser settings. If you disable certain cookies, some features of AfricanDividends.com may not work properly.

6. Newsletter and Marketing Communications

If you subscribe to our newsletter or opt in to receive updates, we may send you emails about:

• dividend updates;

• African dividend stocks;

• new dividend data;

• market guides;

• premium content;

• new features;

• subscription offers.

Newsletter and marketing emails are based on your consent where required. You may unsubscribe at any time by clicking the unsubscribe link in the email or by contacting us. We may still send essential non-marketing emails related to your account, payments, subscription, security, legal notices or service updates.

7. Payment Providers

Payments for premium access or subscriptions may be processed by external payment providers. When you make a payment, your payment details may be collected directly by the payment provider. We may receive limited payment-related information, such as:

• transaction status;

• payment confirmation;

• subscription status;

• invoice or receipt data;

• billing details;

• payment provider customer ID.

We generally do not receive or store full payment card details. Payment providers process your data according to their own privacy policies and security standards. Payment providers may include: Stripe, PayPal, ... should review the privacy policy of the payment provider used at checkout.

8. Third-Party Service Providers

We may use third-party providers to operate, secure and improve AfricanDividends.com. These providers may include:

• hosting providers;

• payment processors;

• email newsletter providers;

• analytics providers;

• security and anti-fraud tools;

• cloud storage providers;

• customer support tools;

• accounting or invoicing tools;

• content delivery networks;

• cookie consent tools.

We only share personal data that is necessary for the relevant service.

Examples of service providers may include:

Hosting provider: Siteground.com

Payment provider: PayPal, Stripe

Newsletter provider: Brevo

Analytics provider: Google

You should complete this section with the actual tools used by AfricanDividends.

9. International Data Transfers

Some of our service providers may process personal data outside the European Economic Area. Where personal data is transferred outside the EEA, we aim to rely on appropriate safeguards required by the GDPR, such as:

• European Commission adequacy decisions;

• Standard Contractual Clauses;

• contractual safeguards;

• other lawful transfer mechanisms.

We take reasonable steps to ensure that international transfers are handled in accordance with applicable data protection laws.

10. How Long We Keep Your Personal Data

We keep personal data only for as long as necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Typical retention periods include:

10.1 Account Data

We keep account data for as long as your account remains active. If you delete your account or request deletion, we may delete or anonymize account data unless we need to keep certain information for legal, tax, accounting, security or legitimate business reasons.

10.2 Subscription and Payment Data

We keep subscription and payment records for as long as necessary to manage your subscription and comply with tax, accounting and legal obligations.

10.3 Newsletter Data

We keep newsletter data until you unsubscribe or withdraw your consent, unless we need to keep limited information to prove consent or respect your unsubscribe request.

10.4 Contact and Support Data

We keep support messages for as long as necessary to respond to your request, maintain records and protect our legal interests.

10.5 Security Logs

We keep security logs for a limited period necessary to protect the website, investigate abuse, prevent fraud and enforce our Terms & Conditions.

10.6 Analytics Data

Analytics data is kept according to the retention settings of the analytics tool used.

11. How We Protect Your Personal Data

We use reasonable technical and organizational measures to protect your personal data against unauthorized access, loss, misuse, alteration or disclosure.

These measures may include:

• encrypted connections where available;

• password hashing;

• access controls;

• account authentication;

• limited access to personal data;

• security monitoring;

• anti-fraud tools;

• software updates;

• backup procedures;

• use of reputable third-party providers.

However, no website, server, database or online transmission can be guaranteed to be completely secure. You are responsible for keeping your login credentials confidential. If you believe your account has been compromised, contact us immediately.

12. Your GDPR Rights

If you are located in the European Economic Area, the United Kingdom or another jurisdiction with similar data protection laws, you may have certain rights regarding your personal data.

These rights may include:

12.1 Right of Access

You may request confirmation as to whether we process your personal data and request a copy of that data.

12.2 Right to Rectification

You may request correction of inaccurate or incomplete personal data.

12.3 Right to Erasure

You may request deletion of your personal data in certain circumstances.

12.4 Right to Restriction of Processing

You may request that we restrict the processing of your personal data in certain circumstances.

12.5 Right to Data Portability

You may request to receive your personal data in a structured, commonly used and machine-readable format, where applicable.

12.6 Right to Object

You may object to certain processing based on legitimate interests or direct marketing.

12.7 Right to Withdraw Consent

Where processing is based on your consent, you may withdraw that consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal.

12.8 Right to Lodge a Complaint

You have the right to lodge a complaint with a data protection authority. In Poland, the supervisory authority is the President of the Personal Data Protection Office, Prezes Urzędu Ochrony Danych Osobowych (UODO). UODO states that a data subject may lodge a complaint in case of a violation of personal data protection rules.

13. How to Exercise Your Rights

To exercise your GDPR rights, contact us. Please include enough information to identify your account or request. We may need to verify your identity before responding. We aim to respond within the time limits required by applicable law. Some rights may be limited where we need to keep data for legal, tax, accounting, security, fraud prevention or legitimate business reasons.

14. Children’s Privacy

AfricanDividends.com is not intended for children. We do not knowingly collect personal data from children under the age of 16. If you believe that a child has provided us with personal data, please contact us and we will take appropriate steps to delete the information where required.

15. Financial Information Disclaimer

AfricanDividends provides financial data, dividend information and educational content for research purposes only. We do not provide investment advice, financial advice, tax advice, legal advice, recommendations, brokerage services or portfolio management. This Privacy Policy explains how we handle personal data. It does not guarantee the accuracy, completeness or reliability of financial data displayed on AfricanDividends.com. Your use of AfricanDividends.com is also governed by our Terms & Conditions and Disclaimer.

16. Links to Third-Party Websites

AfricanDividends.com may contain links to third-party websites, including:

• company investor relations pages;

• stock exchange announcements;

• annual reports;

• regulatory filings;

• payment providers;

• newsletter platforms;

• brokers;

• financial data sources;

• other external resources.

We are not responsible for the privacy practices, security, content or policies of third-party websites. You should read the privacy policies of any third-party websites you visit.

17. Automated Decision-Making

AfricanDividends does not use personal data to make automated decisions that produce legal effects concerning you or similarly significantly affect you. We may use automated tools for technical, security or anti-fraud purposes, such as detecting suspicious login attempts, scraping or abuse.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update it, we will change the “Last updated” date at the top of this page. If changes are significant, we may notify users by email, website notice or another appropriate method. Your continued use of AfricanDividends.com after updates means that you acknowledge the updated Privacy Policy.

19. Contact Us

For questions, requests or complaints about this Privacy Policy or your personal data, contact us.