Privacy Policy | Terms of Service

Privacy policy

Privacy Policy for CobusVisser.com

1. Who We Are

Cobus Visser International is a leadership and team transformation organization based in South Africa. We deliver experiential coaching, keynote speaking, strategy consulting, training workshops, and team-building experiences both locally and internationally. In this Privacy Policy, “we,” “us,” or “our” refers to Cobus Visser International. We are committed to protecting your personal information in accordance with South Africa’s Protection of Personal Information Act (POPIA) and other applicable data protection laws (including the EU General Data Protection Regulation, GDPR). This Policy describes how we collect, use, and safeguard your personal information when you visit cobusvisser.com (the “Website”) or use any of our services (collectively, the “Services”), as well as your rights in relation to that information. It does not apply to the practices of third-party companies we don’t control or individuals we do not employ or manage.

2. Information We Collect

We may collect and process different types of information about you, including:

Personal Information: Information that you provide to us that identifies you as an individual. This may include your full name, email address, phone number, job title, company/organization name, or other contact details you submit through forms. For example, when you fill out a contact form, sign up for our newsletter, or register for an event, you might provide your name and email. We may also collect any other information you voluntarily provide to us (such as feedback, survey responses, or other content you submit).

Payment Information: If you make purchases or bookings through our site, you may provide payment details. Please note: We use third-party payment processors (such as PayFast or Stripe) to handle payment transactions. We do not store your credit card or banking details on our systems – those are processed securely by the third-party payment provider. (Refer to the payment provider’s privacy policy for information on how they handle your payment data.)

Automated Information: When you visit our Website, our servers and analytics tools automatically record certain data about your visit. This may include your device’s IP address, device and browser type, operating system, geographic location, the pages you view on our site, the dates/times of access, and the webpage that referred you to our site. We gather this information through cookies and similar tracking technologies (described below) to understand how users interact with our Website. This automated information is used mainly for statistical purposes and to improve our site – it is not used to identify you personally unless necessary for security or fraud detection.

Marketing and Communication Preferences: We may keep track of your preferences in receiving marketing from us (e.g., whether you opted in to our newsletter or opted out of certain communications). This helps us honor your choices about how we contact you.

Feedback and Survey Responses: If you participate in any surveys, event feedback forms, or questionnaires, we collect the information you provide about your experience, which may include your opinions and any personal information you choose to give in your responses.

We limit our collection to the minimum information needed for the purposes explained in this Policy, and we collect it only in fair and lawful ways. You can always choose not to provide personal information; however, certain features (for example, contacting us via a form, subscribing to updates, or making a purchase) may not be available if you withhold information marked as required.

3. How We Collect Information

We collect personal information about you through several methods:

Directly from You: You may provide personal information directly to us when you interact with our Services. For example, we collect information when you fill out forms on our Website (such as contact requests or event registrations), communicate with us via email or phone, attend our events, or otherwise correspond with us in person or online.

Automatically through Cookies and Pixels: As you use our Website, we use cookies, tracking pixels, and similar technologies to automatically collect technical data and usage information (see Section 6 on Cookies & Tracking). For instance, we utilize tools like Google Analytics and the Meta (Facebook) Pixel to gather data about how you navigate our site and interact with our content. These tools use cookies and device identifiers to track user activity over time, which helps us analyze web traffic and the effectiveness of our marketing. (More details on cookies are provided below.)

From Third-Party Platforms with Your Consent: We may also receive information about you from third-party platforms or services when you engage with us through those platforms and have permitted them to share your data. For example, if you schedule an appointment or coaching call via Calendly or a similar scheduling service, that platform might send us your name and email to fulfill the appointment. Likewise, if you interact with our pages on social networks like Meta/Facebook or LinkedIn, or respond to our ads on those platforms, we might receive your public profile information or other data you authorized those platforms to share. We only obtain information from third parties when you have used those services in connection with ours and those third parties are legally allowed to share the data. Any information we collect from such sources will be treated in accordance with this Privacy Policy.

4. Why We Collect Your Information

We process your personal data for the following purposes, and only for purposes that are lawful and relevant to our relationship with you:

To Respond to Inquiries and Requests: We use your contact information to respond when you reach out to us. For example, if you submit a question via our contact form or email us, we will use your provided details to communicate with you and answer your questions or provide the requested information.

To Deliver and Manage Our Services: We collect information to provide the services or products you request from us. This includes using personal details to register you for events or coaching sessions, process bookings or orders, and to communicate with you about scheduling, logistics, or updates related to services you’re using. For example, we might use your information to confirm your registration for a training workshop or to send tickets and reminders for an event.

To Facilitate Payments: If you purchase a service (such as event tickets or coaching packages), we use your information to process the transaction through our third-party payment providers. This is necessary to fulfill and manage your orders and ensure you receive what you paid for. (As noted, the payment details themselves are handled by secure payment processors like PayFast or Stripe, but we may retain records of your transactions such as the amount and date for accounting and customer service.)

To Send Administrative Information: We may use your email or other contact info to send important administrative communications. This can include confirmations of your registrations or purchases, invoices or receipts, notifications about changes to our terms or this Policy, or other service-related announcements.

To Send Marketing & Promotional Communications: With your consent (where required), we will use your information (like your email address or phone number) to send you newsletters, updates, marketing emails or SMS, and special offers that we think may interest you. For example, we might send you tips on personal development, inform you about new coaching programs, or upcoming events and speaking engagements. You can opt-out of marketing communications at any time (see Section 9 on Your Rights).

To Request Feedback and Testimonials: We may contact you to ask for your feedback on our services or to provide a testimonial or review. Any such feedback or testimonials that you choose to give, we may use (with your permission) on our Website or marketing materials to showcase experiences of other clients. Providing feedback is entirely voluntary.

To Improve Our Services and Website: We analyze data (including usage data collected via cookies) to understand how our services are used and to improve the quality of our offerings. This helps us troubleshoot issues, make our Website more user-friendly, and refine our coaching programs or content. For example, we might track which blog posts are most read to produce more of that content. We may also use personal feedback you provide to improve our services.

To Deliver Targeted Advertising: We may work with advertising partners to show you relevant ads for our services on third-party platforms (like social media or other websites). Data collected through tools like the Facebook/Meta Pixel helps us target our advertisements to audiences that might be interested in our offerings. For instance, if you visited our site, you might later see an ad for an upcoming Cobus Visser event on Facebook. These ads are delivered by third parties and may be tailored based on your activity on our site. (See Section 6 on Cookies & Tracking and Section 7 on Sharing Information for more on how advertising tracking works and your choices.)

To Comply with Legal Obligations: We will process and retain your personal information as needed to fulfill our legal and regulatory obligations. This includes keeping records for tax/audit purposes, complying with lawful requests from authorities, or handling any legal claims. We may also use or disclose your information when necessary to enforce our terms and conditions, to prevent fraud or abuse, to resolve disputes, or to protect the rights, safety, and property of our business, our users, or others.

We will not use your personal data for new, unrelated purposes without first updating this Policy and, if required, obtaining your consent. We also do not engage in any automated decision-making or profiling that produces legal or similarly significant effects on you – such as credit decisions or employment eligibility – solely based on automated processing of your data. All processing of personal data that we do has a clear, communicated purpose, and we rely on an appropriate legal basis for each use (as described below).

5. Legal Grounds for Processing

We only process your personal information when we have a valid legal basis to do so. Depending on the context, one or more of the following bases will apply:

Consent: We will process your personal information if you have given us clear consent to do so for a specific purpose. For example, we rely on consent when you subscribe to our newsletter (you consent to receive emails), or when we place certain non-essential cookies on your device (you consent via our cookie notice or browser settings). You have the right to withdraw consent at any time (see Section 9 below).

Contractual Necessity: If you request a service from us or enter into an agreement (such as purchasing a ticket or signing up for coaching), we will process your data as necessary to perform that contract or to take steps at your request before entering into a contract. In other words, we need to use your information to deliver the service you expect. For example, using your name and email to register you for an online course you purchased is done on the basis of contract necessity.

Legitimate Interests: We may process your information as needed for our legitimate business interests – but only if those interests are not outweighed by your own rights and interests. This basis covers uses that are important to the operation of our services but are not strictly required by a contract or law. For example, it is in our legitimate interest to understand how users engage with our Website (so we can improve navigation and content) and to market our services to adult individuals who have shown interest (in a non-intrusive way). When we rely on legitimate interests, we will ensure we consider and balance any potential impact on you (both positive and negative) and your rights under data protection laws.

Legal Obligation: We will process or disclose personal information if we are under a legal obligation to do so. For instance, laws may require us to keep transaction records for a certain period, or to report data to governmental authorities. We may also process data to comply with court orders, subpoenas, or to meet other legal responsibilities.

In some instances, we might rely on other legal bases if applicable, such as protecting vital interests (rare and unlikely in our context) or performing a task in the public interest, but generally the four bases above are the ones that apply to our activities. If you have questions about the specific legal basis for a particular processing activity, feel free to contact us for more information. We will gladly clarify how your data is handled in each context.

6. Cookies & Tracking Technologies

Our Website uses cookies and similar tracking technologies to enhance your browsing experience and to collect information about how you use our site. A cookie is a small text file placed on your device by a web server. Cookies are uniquely assigned to you and can only be read by the server that gave them to you; they cannot run programs or deliver viruses to your computer.

We use cookies for several reasons:

Essential Cookies: Some cookies are necessary for the Website to function properly, such as remembering your preferences or maintaining session state as you navigate pages.

Analytics Cookies: We use tools like Google Analytics which set cookies to collect information about how visitors use our site (e.g., which pages are visited, how long spent on the site, which links are clicked). This data is aggregated and helps us improve the Website’s structure and content. Google Analytics may collect identifiers like your IP address or device ID, which are considered personal information under POPIA, but we do not use this data to identify you personally. Google provides an opt-out browser add-on if you wish to prevent your data from being used by Google Analytics.

Advertising Cookies/Pixels: We deploy the Meta Pixel (Facebook Pixel) and possibly other social media or advertising pixels/tags on our site. These trackers collect data about your actions on our site (for example, that you visited a certain page) and help us measure the effectiveness of our ads and deliver targeted advertisements on platforms like Facebook or Instagram. The information collected through such pixels may include a unique ID associated with your Facebook account or other online identifiers, which allows linking your site visit to your profile, enabling ads to be targeted to you. We only use such targeting to promote our own services and events, not to advertise third-party products to you.

Your choices: When you first visit our Website, you may see a notice about our use of cookies and be given the option to proceed or adjust settings. By continuing to use our site without disabling cookies, you consent to our use of cookies and tracking tools as described here. You have the right to opt out or control cookies at any time. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies or alert you when cookies are being sent. If you choose to disable cookies via your browser, please note that some parts of our site may not function properly (for example, session preferences might not be remembered).

For more information on cookies and how to manage or delete them, you can visit educational resources like AllAboutCookies.org or Cookiepedia. Additionally, to opt-out of Google Analytics specifically, you can install the Google Analytics Opt-out Browser Add-on. To adjust how Facebook/Meta shows you ads, you can use the ad preferences settings in your Facebook account.

Do Not Track: Some browsers have a “Do Not Track” feature that lets you tell websites you do not want to be tracked over time across different sites. At this time, our Website does not respond to Do Not Track signals in a uniform way, due to the lack of industry standard for compliance. However, as described above, you can control tracking by adjusting your browser and cookie settings. Keep in mind that tracking in this context generally refers to the collection of personally identifiable information about an individual’s online activities across unrelated websites over time. We do not engage in cross-site tracking of that nature. However, third-party analytics and advertising partners we integrate with may track your activity on other sites using their own cookies or pixels (for example, an advertising network might track you across multiple sites to build a profile of your interests). We encourage you to review the privacy policies of those third-party services (such as Google’s and Meta’s privacy policies) to understand how they handle “Do Not Track” signals and data collection.

7. Sharing Your Information

We treat your personal information with care and confidentiality. We do not sell or rent your personal data to third parties for their own marketing use. However, in the course of running our business and providing our Services, we do share your information with certain trusted third parties, as outlined below:

Third-Party Service Providers: We may share your data with companies that provide services on our behalf, such as:

Payment Processors: for secure payment transactions (e.g., PayFast, Stripe). These processors handle your payment details; we share with them the information necessary to validate and process the payment. (For instance, when you pay for a coaching session, your payment details go directly to Stripe or PayFast, and they confirm to us if the payment was completed.) These providers are operators under POPIA, which means they process personal information only according to our instructions.

Analytics and Advertising Partners: to understand our site traffic and improve marketing. We share certain data (via tracking technologies) with Google Analytics (for site analytics) and Meta/Facebook (for ad targeting) as discussed in Section 6. This allows us to get aggregated insights (like website visitor stats) and to present ads to potential customers. These partners may process personal identifiers for their analytics/ad services, but they cannot use that data for their own independent purposes outside of what we’ve contracted them for.

Email and Communications Services: to send out newsletters, announcements, or service emails. For example, if we use an email marketing platform (like MailChimp, Sendinblue, or similar), we would provide your email address and name to that platform in order to deliver our newsletter to you. Similarly, if we send SMS reminders or use a CRM system to manage contacts, we share data with those providers to the extent needed for them to perform their function.

Scheduling and Event Tools: If we integrate scheduling software (like Calendly) or event management platforms, those services will receive the data you input for scheduling or registration purposes. For example, Calendly would handle the data you provide when booking a meeting, and then share it with us.

Web Hosting and IT Service Providers: Our website might be hosted by a third-party hosting company, and our email or other IT systems may be managed by third-party providers. These providers could technically have access to personal data stored on our systems in the course of maintenance or support, but they are bound by strict confidentiality and security obligations.

We only share the information that these third parties need to perform their specific services for us, and we require them to protect your information and use it only for the agreed purpose. They are not permitted to use your data for their own unrelated purposes, and many are contractually obligated (via Data Processing Agreements) to handle your information with the same care and security that we do. Examples include our requirement that service providers comply with POPIA/GDPR standards, keep information confidential, and not further disclose it without permission.

Legal and Safety Disclosures: We may disclose personal information outside of our organization if required by law or if we, in good faith, believe such action is necessary to: (i) comply with a legal obligation, valid subpoena or court order; (ii) meet requests from government authorities (including to meet national security or law enforcement requirements); (iii) protect and defend our rights or property, or the rights and safety of our users, clients, or others; or (iv) investigate and help prevent security threats, fraud, or other malicious activity. For example, if we are compelled by law to provide records of transactions, or if a user violates our Terms of Service in a manner that requires legal action, we might share information with the relevant authorities or legal counsel.

Business Transfers: If our business undergoes a transition, such as a merger, acquisition by another company, or sale of all or part of our assets, user information (including personal data) may be among the assets transferred to the new owner. We would only do this if the recipient agrees to safeguard personal information in accordance with this Privacy Policy or if they put in place a comparable privacy protection regime. Similarly, if we ever need to restructure or wind down operations, personal data could be transferred or disclosed as part of that process (for example, to a liquidator or successor). In any such case, we would notify you via the Website or other means and outline your choices regarding your personal information.

Aside from the situations above, we will not share your personal information with third parties unless we have your consent to do so. If we ever want to share your data for any new purpose (e.g., sharing with a partner for their own marketing), we will ask for your explicit consent.

8. Data Security & Storage

We take the security of your personal information very seriously. We implement appropriate technical and organizational safeguards to protect your data against unauthorized access, loss, alteration, or disclosure. These security measures include, for example:

Encrypted Platforms: We use encryption protocols where applicable to protect data in transit (for instance, our website is served over HTTPS, which encrypts information you input) and at rest (sensitive databases or storage are encrypted).

Access Controls: We restrict access to personal information to those staff or contractors who need it to operate our services. This means using password protection, role-based access permissions, and authentication measures to ensure that only authorized personnel can access your data.

Regular Updates and Monitoring: We keep our systems and software up-to-date with security patches, and we use firewalls and anti-malware tools to prevent and detect intrusion. We may conduct periodic reviews of our security practices and training for our team on data protection best practices.

Confidentiality Agreements: Any employee or processor who handles personal data is subject to confidentiality obligations. We also have agreements in place with third-party service providers requiring them to maintain adequate security measures.

Please be aware that while we strive to protect your information, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee absolute security of your data. For example, email communications are not always encrypted end-to-end, so please be careful what information you send us via email. Similarly, user activity on a public network (like a café Wi-Fi) could potentially be intercepted if the network is compromised. By using our Website, you acknowledge these inherent risks beyond our control. If a password is used to protect your accounts or personal information, it is your responsibility to keep that password confidential and secure.

Data Breach Procedures: In the unfortunate event that we detect a data breach (such as unauthorized access to our systems or databases) that compromises your personal information, we will act promptly in accordance with applicable laws. Our procedures would include identifying and stopping the source of the breach, assessing the impact, and notifying the affected individuals and authorities when required. POPIA specifically requires that we inform South Africa’s Information Regulator and the affected data subjects if there are reasonable grounds to believe that their personal information has been accessed or acquired by an unauthorized person. We will reach out to you in such cases via email or through a notice on our Website, and provide information on what happened and any steps you may need to take to protect yourself.

Data Retention: We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. This means, for example, that we may keep:

Contact and account information you provided for as long as you maintain a relationship with us (e.g., you’re subscribed to our newsletter or are an active client),

Records of transactions or communications for a certain period in case of legal obligations or to resolve any potential disputes, and

Analytic data and cookies for a duration that serves our analysis needs (as per our cookie settings), or as required for security monitoring.

When we have no ongoing legitimate need or legal requirement to process your personal data, we will either delete it or anonymize it (so it can no longer be associated with you). If deletion is not immediately feasible (for example, because the data is stored in backup archives), we will securely store it and isolate it from any further processing until deletion is possible.

Please note that if you ask us to remove your data, we may retain certain limited information about you to respect your request in the future (e.g., keeping your email on a suppression list to ensure we don’t send you further communications after you unsubscribe) and as necessary to comply with legal obligations, resolve disputes, or enforce our agreements. We also may keep aggregated or de-identified information that does not identify you personally, which we may use for business analysis or other legitimate purposes.

9. Your Rights Under POPIA & GDPR

You have certain rights regarding your personal information. We want you to be aware of these and have the ability to exercise them. Under POPIA (and similarly under the GDPR for EU residents), your rights include the following:

Right to Access: You have the right to request confirmation of whether we hold personal information about you, and to access or get a copy of the personal data we have on file for you. We will provide you with the relevant information, subject to any legal exceptions (for instance, we might not be able to share pieces of information that include others’ personal data or are protected by legal privilege).

Right to Correction: If any of your personal information is inaccurate or outdated, you have the right to request that we correct or update it. For example, if you change your email address or notice we have your name spelled incorrectly, you can ask us to rectify that. We strive to keep your information accurate and will make the corrections as required.

Right to Withdraw Consent: Where we are processing your information based on your consent (such as for marketing emails), you have the right to withdraw that consent at any time. Withdrawing consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, and it will not affect processing of your data under other bases (like fulfilling a contract). If you withdraw consent for marketing, we will stop the marketing communications. You can withdraw consent by using the “unsubscribe” link in our emails or by contacting us directly.

Right to Deletion (Right to Erasure): You have the right to request that we delete your personal data. This is sometimes called the “right to be forgotten.” We will erase your information upon request, provided that there is no lawful reason for us to continue processing it (for example, we might need to keep certain records to comply with legal obligations). We will also take steps to inform any third-party processors to whom we’ve forwarded your data (like our email or hosting providers) of your deletion request, where required by law.

Right to Object to Processing: You have the right to object to certain types of processing of your personal data in situations defined by law. In particular, you can always object to direct marketing uses of your data – if you tell us to stop using your info to send you marketing or personalized ads, we will comply immediately. If we are processing your data under a legitimate interest basis, you may also object if you have grounds relating to your particular situation. For example, if you feel our processing of your data for research or statistical purposes is causing you harm, you can raise an objection. In some cases, we may have compelling legitimate grounds to override the objection (such as if the data is needed for legal claims); otherwise, we will cease the challenged processing.

Right to Lodge a Complaint: If you believe we have infringed your privacy rights or violated data protection laws, you have the right to file a complaint with the relevant supervisory authority. In South Africa, you can contact the Information Regulator (South Africa), which is the body enforcing POPIA. The Information Regulator’s contact details can be found on their official website (currently justice.gov.za/inforeg/). If you are located in the European Economic Area (EEA) and GDPR applies, you have the right to lodge a complaint with your country’s Data Protection Authority. We would, however, appreciate the chance to address your concerns before you approach a regulator, so please consider reaching out to us first, and we will do our best to resolve the issue.

(GDPR - Additional Rights): If you are an EU/EEA resident, you may have some additional rights under the GDPR not explicitly listed above, such as the right to restriction of processing (to ask us to limit processing in certain cases) and the right to data portability (to receive your personal data in a common machine-readable format and transfer it to another controller). POPIA’s provisions closely mirror many GDPR rights, but not all are identical. In practice, if you are entitled to these rights and exercise them, we will honor them. For instance, you can request a copy of your data in a portable format or ask us to suspend processing while a complaint is resolved. We treat the privacy of all our users seriously regardless of jurisdiction, so we aim to afford you the fullest rights available.

Exercising Your Rights: You can exercise any of your rights by contacting us (see Section 13: Contact Us). Typically, we will need you to submit your request in writing (via email is fine) so that we can properly document and process it. We may need to verify your identity before acting on your request – for example, by asking you to confirm some information we already have on file, or to provide identification. This is to ensure we don’t disclose your data to someone else pretending to be you. We will respond to your request within a reasonable timeframe as required by law (POPIA requires us to respond within certain time limits, and GDPR usually within one month). There is normally no fee for exercising your rights; however, if a request is manifestly unfounded or excessive (e.g., repetitive), we may charge a reasonable fee or refuse to act on it, as permitted by law.

10. International Data Transfers

We are based in South Africa, but we may process your information in other countries as needed to operate our business. If you are located outside of South Africa, be aware that your personal data may be transferred to and stored in South Africa or other countries where our service providers or partners are located. For example, if you are in the EU or US, your data might be processed on servers located in South Africa. Conversely, if you are in South Africa, some of your data (such as data handled by Stripe or by an email service provider) might be transferred out of South Africa to countries like the United States or countries in the European Union.

When we transfer personal information across borders, we will ensure appropriate safeguards are in place to comply with applicable laws. South Africa’s POPIA law generally prohibits transferring personal information to third parties in other countries unless certain conditions are met. These conditions include situations such as: the recipient country has laws or agreements providing an adequate level of data protection; or the data subject (you) has consented to the transfer; or the transfer is necessary for a contract with you or in your interest (among other safeguards). We evaluate our transfers against these requirements.

In practice, this means: if we send data to a service provider in another country, we will do one or more of the following as required by POPIA or other laws:

Confirm the receiving party is in a jurisdiction deemed to have strong data protection laws (for instance, countries in the European Economic Area are generally considered to have adequate protection, and many companies in the US are certified under frameworks like the EU-US Data Privacy Framework which might be recognized in the future).

Have a contract in place with the recipient that includes standard data protection clauses or similar binding corporate rules to safeguard the data.

Obtain your explicit consent for the cross-border transfer, especially if no other legal safeguards readily apply.

Transfer data because it’s necessary to perform a contract you are part of (for example, processing an international payment) or necessary for the conclusion or performance of a contract in your interest – such as booking an international event on your behalf.

Transfer data because it benefits you and obtaining consent is not feasible, but we have reason to believe you would likely give consent if asked (this is a less common scenario and would only apply in exceptional cases).

Rest assured, we will always strive to protect your personal information regardless of where it is processed. This Privacy Policy applies to our operations globally, and all our employees and contractors are obligated to follow it. If you have questions about international data transfers or want more specifics about cross-border safeguards in place, please contact us.

11. Children’s Privacy

Our Website and Services are not directed to children under the age of 18, nor do we knowingly collect personal data from minors under 18 years old. If you are under 18, please do not submit any personal information to us or use our Services without appropriate consent from a parent or guardian. We do not intend to collect information from anyone under 18, and our content (such as coaching and training programs) is geared toward adults and organizations.

In the event that we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete that information promptly from our records. If you believe that a minor may have provided us with personal data, please contact us as soon as possible so that we can investigate and address the issue.

For children aged 16 or 17 who may use certain Services (for example, attending a youth-oriented event with parental consent), we expect and require that any data provided to us is with the involvement and consent of a parent or legal guardian. Under POPIA and other laws, a parent or guardian may need to consent on behalf of a minor for any data processing. We encourage parents and guardians to supervise their children’s online activities and educate them about safe privacy practices.

12. Changes to This Policy

We may update or revise this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. When we make changes, we will update the “Last Updated” date at the bottom of this Policy, and the new Privacy Policy will be effective as of that date. If we make material changes (significant changes) to how we handle your personal information, we will take reasonable steps to inform you – for example, by posting a prominent notice on our Website or by contacting you via email if you have provided one. We encourage you to review this Policy periodically to stay informed about how we are protecting your information.

Your continued use of the Website or our Services after any changes to this Privacy Policy have been posted will signify your acceptance of those changes, to the extent permitted by law. We will not, however, use your personal information in a new, materially different way without taking appropriate measures to obtain your consent if required by law. For instance, if we ever want to share your data with third parties for their own marketing and that wasn’t previously disclosed, we would seek your consent first.

This Privacy Policy (including any future revisions) is always available on our Website at cobusvisser.com/privacy-policy. Please refer to the link for the most current version.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please do not hesitate to reach out to us. We are here to help and address any issues you might have.

Contact Information:
Cobus Visser International (Privacy Office)
Email: [email protected]
Website: https://cobusvisser.com

You may also contact us through any of the communication methods provided on our Website’s contact page for privacy-related inquiries. We will respond as promptly as possible.

Last Updated: October 2025

Terms of Service

Terms of Service

Effective Date: [Insert Date]
Website: https://cobusvisser.com
Owner
: Cobus Visser International (Pty) Ltd, South Africa


1. Acceptance of Terms

By accessing or using this Website and/or purchasing any of our services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not access or use the Website or Services. These Terms constitute a legally binding agreement between you and Cobus Visser International (Pty) Ltd (“we,” “our,” or “us”).

These Terms apply to all visitors, users, and customers who access the Website or engage with our services, including coaching, training, keynote speaking, team-building events, strategy sessions, and digital content.


2. Services Provided

We offer the following professional services through cobusvisser.com:

Executive and personal coaching

Business strategy consulting

Team-building programs and corporate training

Keynote speaking and live events

Online or in-person workshops, retreats, and courses

Access to free and paid content (e.g., guides, downloads, recordings)

Details of each service, including fees, duration, and booking terms, are made available on the Website or via direct communication.


3. Eligibility to Use the Website

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use this Website or purchase services. By using this site, you confirm that:

You are 18 or older

You are accessing the site for lawful purposes only

You agree to comply with these Terms and applicable laws

If you are acting on behalf of a company or organization, you confirm you have the authority to bind that entity to these Terms.


4. Account Registration (If Applicable)

Certain features (e.g., booking platforms, digital product access, or courses) may require you to register an account. When you register:

You must provide accurate, complete, and up-to-date information

You are responsible for safeguarding your login credentials

You agree to notify us immediately of any unauthorized access to your account

We reserve the right to suspend or terminate accounts for any breach of these Terms or misuse of services.


5. Payments, Pricing, Cancellations, and Refunds

Payment Methods:

All payments are processed securely via trusted third-party platforms such as PayFast and Stripe. We do not store or process your payment card details on our servers.

Pricing:

All prices are in South African Rand (ZAR) unless otherwise stated. Prices may be subject to VAT or other applicable taxes. We reserve the right to change pricing at any time, but changes will not affect confirmed bookings.

Event Bookings and Coaching:

Cancellations must be submitted in writing.

Refunds for coaching and events are considered on a case-by-case basis, typically subject to a notice period.

No-shows or late cancellations may result in forfeited fees.

Tickets or bookings are non-transferable unless agreed in writing.

Digital Products:

No refunds are issued for downloadable products once access has been granted.


6. User Responsibilities and Code of Conduct

You agree not to use the Website or Services to:

Violate any law or regulation

Upload harmful or malicious content

Infringe on the rights of others

Harass, abuse, or harm anyone

Copy, reproduce, or exploit any content without permission

We reserve the right to restrict or terminate access to users who violate this code of conduct.


7. Intellectual Property

All content on this Website—including text, images, logos, videos, training materials, event recordings, trademarks, and programs—is the intellectual property of Cobus Visser International (Pty) Ltd or its content creators and protected under copyright and trademark laws.

You may not copy, distribute, publish, modify, or use any of our content without prior written consent. This includes sharing purchased materials with non-paying individuals or organizations.


8. Disclaimers

We provide coaching, consulting, and event services to support personal and professional development. However:

We do not guarantee specific results from our programs

Outcomes vary based on individual participation and external factors

You are responsible for your own decisions, actions, and progress

While we use proven tools and techniques, our services are not a substitute for medical, psychological, legal, or financial advice. Always consult appropriate professionals when needed.


9. Limitation of Liability

To the fullest extent permitted by law, Cobus Visser International shall not be liable for:

Any indirect, incidental, special, or consequential damages

Any loss of income, business, or data

Any injury sustained during a physical event (e.g., firewalking), unless caused by proven negligence

Your participation in any physical or emotional event is voluntary and undertaken at your own risk. You agree to sign appropriate indemnity waivers where applicable.


10. Jurisdiction and Governing Law

These Terms are governed by the laws of the Republic of South Africa, including the Protection of Personal Information Act (POPIA). You agree that any disputes will be resolved in the courts of South Africa.


11. Privacy Policy

Your use of this site is also governed by our Privacy Policy, which explains how we collect, store, and protect your personal data.


12. Modifications to the Terms

We may update these Terms at any time. If we do, we will post the revised version on this page and update the “Effective Date” above. Continued use of the Website after changes means you accept the updated Terms. If significant changes are made, we will notify users via email or site notification where feasible.


13. Contact Us

For any questions, concerns, or feedback regarding these Terms, please contact:

Cobus Visser International (Pty) Ltd
📧 Email: [email protected]
🌍 Website: https://cobusvisser.com