Terms of Use and Privacy Policy

FHC CONSULTING

Terms of Use and Privacy Policy

fhcconsulting.co.za

Last updated: May 2026

This document sets out the Terms of Use and Privacy Policy for FHC Consulting, operated by Genevieve Stafford Jack, Johannesburg, South Africa. By accessing or using this website and its online courses, you agree to be bound by these terms.

FHC Consulting is committed to protecting your personal information in compliance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa.

If you do not agree with any part of these terms, please do not use this website or purchase any courses.

PART A — TERMS OF USE

1. Acceptance of Terms

By accessing the FHC Consulting website at fhcconsulting.co.za or enrolling in any course offered through our online academy, you confirm that you have read, understood, and agree to be bound by these Terms of Use and all applicable South African laws and regulations.

These terms apply to all visitors, students, and users of this website, regardless of whether you make a purchase.

2. Use of This Website and Courses

FHC Consulting grants you a limited, non-exclusive, non-transferable licence to access and use the content on this website for personal, non-commercial purposes only.

Under this licence you may not:

  • Copy, reproduce, distribute, or republish any course material, video, workbook, or written content without written permission from FHC Consulting
  • Use any course content for commercial purposes or for public display
  • Share your login credentials with any other person
  • Transfer, resell, or sublicense access to any course to a third party
  • Attempt to reverse engineer, scrape, or extract any software or content from this website
  • Remove any copyright, trademark, or proprietary notices from any content

This licence terminates automatically if you violate any of these conditions. FHC Consulting reserves the right to revoke access at any time without notice if these terms are breached.

3. Course Enrolment and Access

Upon purchase of a course, you will receive lifetime access to the course materials as they exist at the time of purchase and any future updates made to that course. Access is granted to the purchasing individual only and is non-transferable.

FHC Consulting reserves the right to update, amend, or discontinue course content at any time. Where a course is discontinued, reasonable notice will be given to enrolled students.

4. Intellectual Property

All content on this website and within the courses, including but not limited to videos, workbooks, written materials, graphics, logos, and course frameworks, is the intellectual property of FHC Consulting and Genevieve Stafford Jack and is protected under South African copyright law.

Nothing on this website constitutes a transfer of intellectual property rights. You may not create derivative works based on course content without prior written consent.

5. Educational Disclaimer

The content provided through FHC Consulting courses is for educational and informational purposes only. It does not constitute professional financial, legal, or investment advice.

Property investment involves risk. The results and outcomes described or illustrated in our courses are not guaranteed. Your results will depend on your own effort, circumstances, market conditions, and a range of factors outside our control.

FHC Consulting strongly recommends that you seek independent financial, legal, and tax advice before making any property investment decisions.

6. Limitation of Liability

To the fullest extent permitted by South African law, FHC Consulting and Genevieve Stafford Jack shall not be liable for any direct, indirect, incidental, special, or consequential loss or damages arising from:

  • Your use of or inability to use this website or its courses
  • Any investment or financial decisions made based on course content
  • Any errors, interruptions, or inaccuracies in the content
  • Unauthorised access to or alteration of your data

Nothing in these terms excludes liability for fraud, death, or personal injury caused by negligence, as required by South African law.

7. Refund Policy

Due to the digital nature of our courses and the immediate access granted upon purchase, FHC Consulting does not offer refunds once a course has been accessed. If you experience a technical issue preventing access to a course you have purchased, please contact us at hello@fhcconsulting.co.za and we will resolve it promptly.

In the event of a duplicate purchase or a billing error, please contact us within 7 days and we will review the matter and process a refund where applicable.

8. Third-Party Links

This website may contain links to third-party websites, YouTube videos, or external resources. These links are provided for your convenience and do not constitute an endorsement by FHC Consulting. We are not responsible for the content, privacy practices, or accuracy of any third-party website.

9. Modifications to These Terms

FHC Consulting reserves the right to update these Terms of Use at any time. Changes will be posted on this page with an updated date. Your continued use of the website after any changes constitutes your acceptance of the revised terms.

10. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the jurisdiction of the South African courts.

PART B — PRIVACY POLICY

This Privacy Policy is drafted in compliance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa.

1. Who We Are and Who is Responsible for Your Data

FHC Consulting is operated by Genevieve Stafford Jack, based in Johannesburg, South Africa. For the purposes of POPIA, FHC Consulting is the Responsible Party in respect of your personal information.

Contact: hello@fhcconsulting.co.za

2. What Personal Information We Collect

We collect the following personal information when you use our website or purchase a course:

  • Name and surname
  • Email address
  • Phone number (where provided)
  • Payment information — processed securely through PayFast; FHC Consulting does not store card details
  • Course enrolment and progress data
  • Communications sent to us via email or contact forms
  • Website usage data collected through Google Analytics and Google Tag Manager

3. Why We Collect Your Personal Information

We collect and process your personal information for the following purposes:

  • To process your course purchase and grant access to enrolled courses
  • To communicate with you about your enrolment, course updates, and support queries
  • To send you relevant educational content and course updates via email (you may unsubscribe at any time)
  • To improve the quality and relevance of our courses and website
  • To comply with our legal obligations under South African law

4. Legal Basis for Processing

Under POPIA, we process your personal information on the following grounds:

  • Performance of a contract: to fulfil your course purchase and provide access
  • Legitimate interests: to improve our services and communicate relevant educational content
  • Consent: where you have opted in to receive marketing communications
  • Legal obligation: where required by South African law

5. How We Store and Protect Your Information

Your personal information is stored securely using industry-standard measures. We use the following services to process and store data:

  • LearnDash LMS — course delivery and progress tracking
  • WooCommerce — order management
  • PayFast — payment processing (PCI-DSS compliant)
  • MailerLite — email communications
  • Google Analytics and Tag Manager — website analytics

We do not sell, rent, or trade your personal information to any third party. Where we share data with service providers (as listed above), it is strictly for the purposes of delivering our services to you.

6. How Long We Keep Your Information

We retain your personal information for as long as is necessary to fulfil the purposes for which it was collected, or as required by South African law. Course purchase records are retained for a minimum of 5 years for accounting and tax compliance purposes. You may request deletion of your data at any time, subject to any legal obligations that require us to retain certain records.

7. Your Rights Under POPIA

As a data subject under POPIA, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Request deletion of your personal information, subject to legal retention requirements
  • Object to the processing of your personal information for direct marketing purposes
  • Withdraw consent to marketing communications at any time by clicking unsubscribe in any email
  • Lodge a complaint with the Information Regulator of South Africa if you believe your rights have been violated

To exercise any of these rights, contact us at: hello@fhcconsulting.co.za

Information Regulator of South Africa: www.inforegulator.org.za

8. Cookies and Website Tracking

This website uses cookies and tracking technologies through Google Analytics, Google Tag Manager, and our cookie consent management tool (Complianz). Cookies help us understand how visitors use our site and improve the user experience.

When you first visit our website, you will be presented with a cookie consent notice. You may accept or decline non-essential cookies at any time. Essential cookies required for the website to function cannot be disabled.

9. Marketing Communications

If you have opted in to receive marketing emails from FHC Consulting, we may send you information about new courses, property insights, and educational content. You can unsubscribe from these communications at any time by clicking the unsubscribe link in any email, or by contacting us directly at hello@fhcconsulting.co.za.

We will not send you unsolicited marketing communications.

10. Children’s Privacy

Our courses and website are intended for adults aged 18 and over. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately and we will delete it.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable law. The updated date at the top of this document will reflect the most recent revision. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions about these terms or our privacy practices, or wish to exercise your POPIA rights, please contact:

FHC Consulting

Operated by: Genevieve Stafford Jack

Email: hello@fhcconsulting.co.za

Website: www.fhcconsulting.co.za

Location: Johannesburg, South Africa

This document was last reviewed and updated in May 2026. FHC Consulting recommends reviewing these terms annually or whenever significant changes are made to your business operations or applicable law.