Kerngo Analytics β Legal Centre
Terms of Use
Effective Date: May 7, 2026
Welcome to Kerngo Analytics (βweβ, βourβ, or βusβ). By accessing or using our website, tools, or services (the βServicesβ), you agree to comply with and be bound by these Terms of Use. If you do not agree with these terms, please do not use our Services.
1. Our Services
Kerngo Analytics provides web-based financial and data analytics tools, including calculators, dashboards, and reporting utilities. We may modify, suspend, or discontinue any feature at any time without notice.
2. Eligibility
You must be at least 18 years old or have permission from a parent or guardian to use our Services.
3. User Responsibilities
- Not to misuse or reverse engineer any part of our website or Services.
- To ensure any data you provide is accurate and lawful.
- To comply with all applicable laws when using our Services.
4. Disclaimer of Warranties
Our Services are provided βas isβ and βas availableβ. While we strive for accuracy, Kerngo Analytics makes no warranties, express or implied, regarding accuracy, availability, or suitability of our Services.
5. Limitation of Liability
Kerngo Analytics and its employees shall not be liable for any direct or indirect damages arising from the use or inability to use our Services.
6. Intellectual Property
All content, design, trademarks, and code are the property of Kerngo Analytics. You may not copy or distribute our content without written consent.
7. Third-Party Links
Our website may contain links to third-party sites. We do not control or endorse these websites and are not responsible for their privacy practices.
8. Changes to Terms
We may revise these Terms at any time. Continued use of our Services indicates acceptance of the updated Terms.
9. Contact
Email us at support@kerngoanalytics.co.za
Privacy Policy
Effective Date: May 7, 2026
Kerngo Analytics (βweβ, βourβ, βusβ) values your privacy and complies with the Protection of Personal Information Act (POPIA) and other applicable data protection laws.
1. Information We Collect
- Personal data (e.g., name, email, contact details)
- Usage data (IP address, pages visited, browser type)
- Form data entered into calculators or dashboards
2. How We Use Your Data
- To provide and improve our Services
- To respond to inquiries or support requests
- To analyze and enhance user experience
3. Legal Basis
Data is processed based on user consent, legitimate interest, or legal obligation.
4. Retention
We retain personal data only as long as necessary or required by law.
5. Security
We use appropriate measures to protect your data but cannot guarantee absolute security of online transmissions.
6. Data Sharing
We do not sell your data. Information may be shared only with trusted service providers under confidentiality agreements or when required by law.
7. Your Rights
You may request access, correction, or deletion of your data by contacting us at privacy@kerngoanalytics.co.za.
8. International Transfers
Data transferred outside South Africa is protected by POPIA-compliant safeguards.
9. Updates
This policy may be updated periodically. Revisions will appear on this page.
Cookie Policy
Effective Date: May 7, 2026
1. What Are Cookies?
Cookies are small text files stored on your device that help websites remember user preferences and improve performance.
2. How We Use Cookies
- To maintain sessions and preferences
- To analyze site usage (Google Analytics)
- To enhance user experience and security
3. Types of Cookies
| Type | Purpose | Example |
|---|---|---|
| Essential | Core site functions | Session |
| Analytics | Measure site usage | Google Analytics |
| Preference | Save settings | Language, theme |
| Security | Protect data | CSRF Token |
4. Managing Cookies
You can disable cookies in your browser settings. However, some features may not function properly if cookies are disabled.
5. Third-Party Cookies
External tools like Google Analytics may set their own cookies. We do not control these third-party cookies.
6. Updates
This policy may be revised occasionally. Updates will be posted here.