Our Policies 

1. Privacy Policy

Introduction

Khumo Advisors (“we,” “our,” “us”) is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our website or services.

Information We Collect

• Personal Information: Name, email, phone number, company name, and role (when submitted through forms, emails, or consultations).

• Business Information: Any financial or strategic data voluntarily provided for advisory purposes.

• Technical Information: IP address, browser type, device details, and cookies when you browse our website.

How We Use Information

• Deliver and improve our advisory, consulting, and CFO services.

• Respond to inquiries, schedule consultations, and maintain client relationships.

• Send updates, reports, or newsletters (only if opted in).

• Ensure website security and functionality.

Sharing of Information

• We do not sell or rent your data.

• Data may be shared with trusted third-party service providers (e.g., cloud hosting, analytics, secure payment platforms) under confidentiality obligations.

• Disclosure may occur if required by law or regulatory authorities.

Data Retention

We keep your information only as long as necessary for service delivery, compliance, or legal obligations.

Data Subject Rights

You have the right to:

• Access, correct, or delete your personal data.

• Withdraw consent for marketing communications.

• Request data portability where applicable.

• Lodge a complaint with a data protection authority.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your data may be transferred to a successor entity, subject to the same protections outlined in this policy.

Security Measures

We implement encryption, access controls, and industry best practices to protect your data from unauthorized access or breaches.

2. Terms & Conditions

Acceptance of Terms

By accessing or using this website, you agree to these Terms & Conditions, our Privacy Policy, and all related policies.

Use of Website

• Content is for informational purposes only and may not be copied, sold, or redistributed without permission.

• You may not use the website for unlawful purposes, upload harmful software, or attempt unauthorized access.

Intellectual Property

• All logos, branding, service descriptions, and website materials are owned by Khumo Advisors.

• Unauthorized use is strictly prohibited.

Limitation of Liability

• While we strive for accuracy, we make no guarantees that website information is complete or error-free.

• We are not liable for losses arising from reliance on website content or third-party links.

Governing Law

These terms are governed by the laws of South Africa. Disputes shall be resolved exclusively in South African courts unless otherwise agreed in writing.

Amendments

We reserve the right to change, modify, or update these Terms & Conditions at any time. Updates are effective immediately upon posting. Continued use of the website constitutes acceptance of such changes.

3. Disclaimer

• Services are provided based on professional expertise and analysis but do not guarantee financial outcomes, as results depend on external factors.

• Website content is for informational purposes only and should not replace personalized professional advice.

• Khumo Advisors is not liable for reliance on website material without independent consultation.

4. Cookie Policy

What Are Cookies

Cookies are small files stored on your device that help improve browsing experience.

Types of Cookies Used

• Essential Cookies: Required for site functionality.

• Analytics Cookies: Help us understand how users engage with our website.

• Preference Cookies: Store user settings (e.g., language).

Managing Cookies

You can accept, decline, or manage cookies through your browser settings.

5. Payment Policy

• Accepted methods: EFT (bank transfer), credit/debit cards, and PayPal (if integrated).

• Payment terms are agreed per contract (upfront, milestone, or retainer).

• Late payments may result in interest charges or service suspension.

6. Refund & Cancellation Policy

• Consultation Fees: Non-refundable once booked.

• Advisory Services: Partial refunds may be issued if cancellation occurs before work begins.

• Fractional CFO Contracts: Refunds or cancellations are governed strictly by contractual agreements.

7. Confidentiality Policy

• All client financial data and business details are treated as confidential.

• Information is shared only with authorized staff or partners bound by confidentiality agreements.

• Data is never disclosed without client consent, except as required by law.

8. Data Protection & Security

• Industry-standard encryption and access controls are applied to safeguard client information.

• Client files are stored securely with restricted access.

• In case of a data breach, affected users will be notified promptly as per applicable laws.

9. Consent & Policy Changes

• By using our website, you consent to the collection, use, and processing of your data as outlined in these policies.

• We reserve the right to update or change these policies at any time without prior notice.

• Continued use of the website after updates constitutes acceptance of the revised policies.

• For material changes, we will provide reasonable notice via email or a prominent website announcement.

10. Accessibility Statement

We are committed to making our website accessible to all users, including those with disabilities. If you encounter issues, please contact us for support: thabangm@khumoadvisors.com

11. Contact Information

📍 Johannesburg, South Africa (Remote & Global Availability)
📞 +27 72 277 5728
📧 thabangm@khumoadvisors.com