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Privacy Policy

Last Updated: October 2026

Welcome to Scheme Junction. We respect your privacy and are committed to protecting your personal data in accordance with the Protection of Personal Information Act (POPIA) of South Africa.

1. Information We Collect

Scheme Junction is primarily an educational resource. We do not require you to create an account or provide medical history to read our guides. However, we may collect:

  • Usage Data: IP addresses and browser types via cookies for website analytics and Google AdSense.
  • Contact Data: If you use our contact form, we collect your name and email address to respond to your query.

2. How We Use Your Data

Your data is used solely to improve the user experience and keep our "No Out-of-Pocket" guides free. We do not sell, rent, or lease your personal information to third parties.

3. Cookies and Third-Party Advertising

We use Google AdSense to serve ads. Google uses cookies (such as the DART cookie) to serve ads based on your visit to this and other websites. You may opt out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

4. Sponsored Links and Analytics

Sponsor links on our site go through a redirect that adds one to a daily click total for that sponsor. It does not store your IP address or any information that identifies you. We use this only to show sponsors how many readers clicked.

5. Service Providers

We use a small number of providers to run the site: Cloudflare (hosting and security), Google (advertising) and Web3Forms (delivering messages sent through our contact form). Our tools run in your browser and do not send the figures you enter to us.

6. Your Rights (POPIA)

In terms of POPIA, South African users have the right to:

  • Request access to the personal information we hold about them.
  • Request the correction or deletion of their personal information.
  • Object to the processing of their personal information.

7. Contact Us

If you have any questions regarding this policy or our treatment of your data, please contact our Information Officer at info@schemejunction.co.za.