Privacy and terms

Who we are

OneFile Money is run by Advisor-Link Digital (Pty) Ltd (registration number 2026/877844/07), a South African private company and the responsible party for your information under the Protection of Personal Information Act (POPIA). We are registered with the Information Regulator.

• Registered address: 19 Woodfern Drive, Fernbrook Estate, Inchanga Road, Craigavon, Johannesburg, 2191
• Information officer: Cameron-Dean Shekleton (Director), reachable at privacy@onefilemoney.co.za

What we collect

• Your name, email address and cell number.
• Your SA ID number, tax number, and company and VAT numbers if you give them. Your ID number is encrypted, and only its last 4 digits are ever shown.
• The last 4 digits of the cards you tell us about. Never your full card number, and never your bank login.
• Payments from the bank statements or alerts you send us, your answers about them, and the slips you add.
• Anonymous visit counts: which pages are opened, and the type of device, browser and country. These use no cookies and aren't linked to your account.
• How you use the app, so we can make it better: steps like signing up, finishing setup, uploading a statement, seeing what it could save you, and downloading your tax pack, with the day you used it and your type of user (like salary or sole prop). Amounts are kept only as rough ranges, like “R500 to R1,999”, and never with shop names. If you came from an ad, the ad's name (like “facebook”) is kept with your account.
• Only if you say yes in Account and privacy: your spending categories counted in totals across at least 100 people, to spot spending trends. Never your name, shop names, single payments, or health, medical aid, retirement, donations or insurance. You can switch it off any time.

Why we use it

To sort your payments, check your slips against SARS rules, and build your tax pack. How you use the app is counted so we can see where people get stuck and fix it (our legitimate interest, which you can object to). We don't sell your information, and we don't use it for marketing unless you ask us to contact you. Spending trends, if you switch them on, are used inside OneFile Money only; we'd ask you again before sharing any totals with anyone else. Some payments, like medical expenses, medical aid and donations, can show health or religious information. By agreeing to this notice you consent to us using that only to build your own tax records, and it is never shared unless you ask.

Who sees it

• Only you, unless you choose otherwise.
• Your accountant or team, if you create or accept a read-only link. They see business payments only, never personal ones, and you can switch the link off any time.
• A partner you ask to hear from, only when you tap “Call me back” or “WhatsApp me” on Expert help. We then pass your name, email, number and note to that partner, plus a summary of your business spend if you tick that box. Nothing is passed on before you ask.
• The services that run the app: hosting and storage (Supabase, Vercel), slip reading (Anthropic), and WhatsApp messages if you switch them on (Meta). They process your information for us only. Some of them store it outside South Africa, under protections similar to POPIA.

How long we keep it

For as long as you have an account. Deleting your account in Account and privacy deletes your payments, slips and details, except anything the law requires us to keep. The record of how the app was used stays only as anonymous counts, with nothing to link it back to you.

Your rights

You can see, correct or delete your information, and object to how we use it, by writing to privacy@onefilemoney.co.za. If you're unhappy with our answer you can complain to the Information Regulator at inforegulator.org.za.

Asking for records (PAIA)

Under the Promotion of Access to Information Act (PAIA) you can ask for records we hold. We hold account and contact details, the payments, slips and answers you add, consent records, and our own company, tax and contract records. Send your request to our information officer at privacy@onefilemoney.co.za, saying which records you want and why if they are not about you. We will answer within 30 days. Records about you are free; for other records the fees set under PAIA may apply. If we refuse, you can complain to the Information Regulator at inforegulator.org.za. Our full PAIA manual has the details.

Partner referrals

Tax returns, financial advice, estate planning and bookkeeping come from independent partners we've teamed up with, not from OneFile Money. We only put you in touch when you ask. Asking is free and puts you under no obligation, the partner is responsible for the help they give you, and OneFile Money works the same whether or not you use them. attooh! Consulting Services Holdings (Pty) Ltd is a juristic representative of Discovery Life Ltd, an authorised financial services provider (FSP 18147).

What OneFile Money is not

OneFile Money helps you keep records. Its categories, tax estimates and slip checks are a guide, not tax or financial advice. Please have your return checked by a registered tax practitioner before you file.