Cookie & Data Usage Policy

What Are Cookies and Tracking Technologies?

Cookies are small text files that websites place on your device when you visit them. Think of them as digital notes that help websites remember important information about your visit. At Lotura, we use various tracking technologies to enhance your experience on our retirement planning platform and provide you with personalized financial guidance.

Beyond traditional cookies, we also employ web beacons, pixel tags, and similar technologies that collect information about how you interact with our website. These tools help us understand which retirement planning resources are most valuable to our South African users and how we can improve our educational content.

Types of Tracking Technologies We Use

How We Use Your Information

• Platform Optimization: We analyze user behavior to improve our retirement planning calculators, educational content, and overall user experience for South African investors.
• Personalized Content: Your browsing patterns help us recommend relevant financial education resources, retirement strategies, and planning tools that match your interests and goals.
• Security Enhancement: Tracking technologies help us detect unusual activity, prevent fraud, and protect your personal financial information and account security.
• Communication Preferences: We use this data to send you relevant updates about retirement planning strategies, new educational content, and platform improvements via your preferred communication channels.
• Performance Monitoring: These tools help us ensure our website loads quickly, functions properly across different devices, and provides reliable access to your retirement planning resources.

Data Retention and Storage

We retain different types of data for varying periods based on their purpose and legal requirements. Essential functional data remains active during your session and may be stored for up to 12 months to maintain your preferences and security settings.

Analytical data is typically aggregated and anonymized within 26 months, helping us identify long-term trends in how South African users engage with retirement planning resources. Marketing-related data is retained for up to 24 months to ensure we can provide relevant content recommendations and avoid showing you information you've already reviewed.

Your Control Over Data Storage

You have several options for managing how long we store your information. Through your account settings, you can request data deletion, modify retention preferences, or export your personal data. We also automatically purge inactive account data according to our retention schedule to protect your privacy.

Managing Your Cookie Preferences

You have complete control over how cookies and tracking technologies function on your device. Most web browsers allow you to manage these settings through their privacy or security sections. Here's how you can adjust your preferences in popular browsers:

Browser	How to Access Cookie Settings
Google Chrome	Settings → Privacy and Security → Cookies and other site data
Mozilla Firefox	Options → Privacy & Security → Cookies and Site Data
Safari	Preferences → Privacy → Manage Website Data
Microsoft Edge	Settings → Cookies and site permissions → Cookies and site data

Keep in mind that disabling certain cookies may affect your experience on our platform. For example, blocking essential cookies will prevent you from logging into your retirement planning dashboard, while disabling functional cookies means you'll need to reset your preferences each time you visit.

Third-Party Services and Integration

Our platform integrates with several trusted third-party services to enhance your retirement planning experience. These include analytics providers who help us understand user behavior, educational content partners who supply additional financial planning resources, and security services that protect your personal information.

Each third-party service operates under its own privacy policy, and we carefully select partners who maintain high standards for data protection. When you interact with embedded content or external tools on our platform, those services may place their own cookies on your device according to their respective policies.

Data Sharing Limitations

We never sell your personal information to third parties. Any data sharing occurs only to provide you with requested services, comply with legal obligations, or enhance the security and functionality of our platform. All partner agreements include strict data protection clauses and usage limitations.

Updates to This Policy

As our platform evolves and new technologies emerge, we may update this cookie policy to reflect changes in our practices or legal requirements. We'll notify you of significant changes through your account dashboard and email communications, giving you time to review the updates and adjust your preferences if needed.

Minor updates, such as clarifications or formatting improvements, may be implemented without individual notification. We recommend reviewing this policy periodically to stay informed about how we protect and use your information.