Privacy Policy, Terms & conditions and disclaimer

Who we are

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Terms & conditions

All content on Nudging Financial Behaviour is for informational purposes only.

We make no representations as to the accuracy or completeness of any information and will not be held liable for any errors or omissions in this information. If you discover that one or our posts, models or content is incorrect or out of date, please contact us here.

The authors of our content and financial models are not certified financial advisors in terms of the Financial Advisory and Intermediary Services Act No. 37 of 2002. Nudging Financial Behaviour (Pty) Ltd and the authors cannot be held liable for any loss (including indirect and consequential loss) arising from your reliance on the opinions or outputs given in any of our content (including posts and financial models). Should you nevertheless elect to rely on the information, you do so at your own risk and agree to indemnify Nudging Financial Behaviour (Pty) Ltd and the authors from any loss or damage that you may suffer as a result.

Your access to and use of our content is conditioned on your acceptance and compliance with these terms & conditions, our privacy policy and disclaimer. These apply to all visitors, users and others who may access our content. 


We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these terms & conditions.

Upon termination, your right to use the service will cease immediately.


Abusive language will not be tolerated and as such, Nudging Financial Behaviour (Pty) Ltd reserve the right to edit or delete any comments submitted to this blog without notice. Additionally, Nudging Financial Behaviour (Pty) Ltd is not responsible or liable for any comments made by others on our blog. 

Blog comments policy

The content of this blog and the provision of financial models is covered by copyright and all words and modelling are the copyright of Nudging Financial Behaviour (Pty) Ltd unless otherwise stated. 

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you subscribe to our mailing list, a cookie is saved to avoid you receiving further pop ups of a similar nature. These cookies will last for one year. If you do not subscribe, a cookie is saved to disable the pop up from re-opening. This cookie expires after 1 day. 

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Links to other websites

Nudging Financial Behaviour may contain links to third-party websites or services that are not owned or controlled by Nudging Financial Behaviour (Pty) Ltd.

Nudging Financial Behaviour (Pty) Ltd has no control over, and assumes no responsibility for, the content, privacy policy, or practices of any third-party websites or services. You further acknowledge and agree that Nudging Financial Behaviour (Pty) Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services. 

We strongly advise you to read the terms & conditions and privacy policies of any third-party websites or services that you visit. 

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.