Data Privacy Policy

Last updated: July 2026

This Privacy Policy explains what personal data Halo Advisory (a trading name of Halo Enterprises Limited, Lusaka, Zambia) collects when you use this website, why, and how it's protected.

1. What we collect

Data	When	Why
Full name, email address	At checkout	To identify your order and deliver your Product(s)
Phone number	Only if you choose MTN/Airtel Mobile Money	Passed to Flutterwave to process the mobile money charge
Cart contents, order total, transaction reference	At checkout	To fulfil and verify your order

We never collect or see your full card number, expiry date, or CVV. Card details are entered directly on Flutterwave's own secure, PCI DSS-certified payment page and never pass through our servers.

2. How we use your data

To verify your payment with Flutterwave and grant access to your purchased Product(s)
To email you your download links and order confirmation
To respond if you contact us about a delivery issue or refund request

We do not sell your personal data to third parties, and we do not use it for advertising.

3. Who we share it with

We share order and payment details only with Flutterwave, our payment service provider, so that they can process your payment and we can verify it. Flutterwave is a PCI DSS Level 1 certified provider and processes this data under its own privacy and security standards.

4. How long we keep it

We retain order records (name, email, order details, transaction reference) for as long as needed to handle support requests, refunds, and our own accounting/legal obligations.

5. Your rights

You can ask us at any time to tell you what personal data we hold about you, to correct it, or to delete it (subject to what we're legally required to keep for accounting purposes). Contact haloadvisory@outlook.com to make a request.

6. Security

Our checkout connects to Flutterwave over an encrypted (HTTPS) connection. All payment verification happens server-side using Flutterwave's API before any Product access is granted, so a browser-only "success" message is never trusted on its own.

7. Contact

Questions about this policy can be sent to haloadvisory@outlook.com or +260 974 088 009.