{"id":1494,"date":"2024-07-01T21:12:20","date_gmt":"2024-07-01T19:12:20","guid":{"rendered":"http:\/\/127.0.0.1\/Kwik%20Finance\/?page_id=1494"},"modified":"2024-08-07T09:37:41","modified_gmt":"2024-08-07T07:37:41","slug":"paia-policy-manual","status":"publish","type":"page","link":"https:\/\/qwikfinance.co.za\/?page_id=1494","title":{"rendered":"PAIA Policy Manual"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1494\" class=\"elementor elementor-1494\">\n\t\t\t\t<div class=\"elementor-element elementor-element-907ea98 e-flex e-con-boxed e-con e-parent\" data-id=\"907ea98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce40832 elementor-widget elementor-widget-text-editor\" data-id=\"ce40832\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PAIA Munual<\/p><ol><li><b><\/b><strong><b>Introduction<\/b><\/strong><\/li><\/ol><p>Qwik Finance and Loan (Pty) Ltd (<strong><b>\u201c<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u201d<\/b><\/strong>) (a private body), is an authorised financial services provider (FSP) and national credit provider (NCRCP895), whose primary business is that of a micro financier to personal clients and also provides financial advice and renders intermediary services to clients on financial products under a license issued in terms of the Financial Advisory and Intermediary Services Act, Act 37 of 2002.<\/p><ol><li><b><\/b><strong><b>Purpose, scope and objectives<\/b><\/strong><\/li><\/ol><p>This manual was drafted in accordance with section 51 of the Promotion of Access to Information Act 2 of 2000 (\u201c<strong><b>PAIA<\/b><\/strong>\u201d) and is applicable to Qwik\u00a0Finance.\u00a0 This manual serves to provide a guideline on which information is available and the manner in which such information may be requested from Qwik\u00a0Finance.<\/p><ol><li><b><\/b><strong><b>Definitions<\/b><\/strong><\/li><\/ol><p>3.1\u00a0<strong><b>\u201cpersonal information\u201d<\/b><\/strong>\u00a0means information relating to an identifiable natural person, including, but not limited to-<\/p><ul><li>information relating to the race, national origin, age, language and birth of the person;<\/li><li>information relating to the education or the financial, criminal or employment history of the person;<\/li><li>any identifying number, symbol, email address, physical address, telephone number, location information, online identifier or other particular assigned to the person;<\/li><li>correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; and<\/li><li>the name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person,<\/li><\/ul><p>but excludes information about an individual who has been dead for more than 20 years;<\/p><ul><li>\u00a0<\/li><\/ul><p>3.2\u00a0<strong><b>\u201crecord\u201d<\/b><\/strong>\u00a0of, or in relation to, a public or private body, means any recorded information \u2013<\/p><ul><li>regardless of form or medium;<\/li><li>in the possession or under the control of that public or private body, as the case may be; and<\/li><li>whether or not it was created by that public or private body.<\/li><\/ul><ol><li><b><\/b><strong><b>Contact particulars<\/b><\/strong><\/li><\/ol><p><strong><b>Name of business:\u00a0<\/b><\/strong>Qwik Finance and Loan (Pty) Ltd<\/p><p><strong><b>Physical address:\u00a0<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Postal address:<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Telephone number:\u00a0<\/b><\/strong>+27 82 940 1336<\/p><p><strong><b>Website address:\u00a0<\/b><\/strong>www.Qwik\u00a0Financefinance.co.za<\/p><p><strong><b>Compliance department:\u00a0<\/b><\/strong>compliance@Qwikfinance.co.za<\/p><ol><li><b><\/b><strong><b>Guide on how to use PAIA<\/b><\/strong><\/li><\/ol><p>A guide on how to use PAIA, as provided for in section 10 of PAIA, is available from the Information Regulator, as well as at the link below:<\/p><p><strong><b>Guide on how to use PAIA download<\/b><\/strong><\/p><p><strong><b>Information Regulator:<\/b><\/strong><\/p><p><strong><b>Website:<\/b><\/strong>\u00a0<a href=\"https:\/\/www.justice.gov.za\/inforeg\/\">https:\/\/www.justice.gov.za\/inforeg\/<\/a><\/p><p><strong><b>Postal Address:\u00a0<\/b><\/strong>PO Box 31533, Braamfontein, Johannesburg, 2017<\/p><p><strong><b>Telephone:\u00a0<\/b><\/strong>010 023 5200<\/p><p><strong><b>Email:\u00a0<\/b><\/strong>enquiries@inforegulator.org.za<\/p><p>Should your PAIA request be denied or there is no response for access to records, you may use the following email address to lodge a complaint.<\/p><p><strong><b>Complaints:\u00a0<\/b><\/strong>PAIAComplaints@inforegulator.org.za<\/p><ol><li><b><\/b><strong><b>Right of access to a record<\/b><\/strong><\/li><\/ol><p>A requester of information must be given access to any record of a private body if \u2013<\/p><ul><li>that record is required for the exercise or protection of any rights of the requester of the information;<\/li><li>such requester complies with the procedural requirements of PAIA relating to a request for access to that record; and<br \/>access to that record is not refused in terms of any permissible ground for refusal, as contained in paragraph 12 of this manual.<\/li><\/ul><ol><li><b><\/b><strong><b>Voluntary disclosure and information automatically available<\/b><\/strong><\/li><\/ol><p>Qwik\u00a0Finance\u00a0makes certain information available voluntarily, which information is freely accessible via the following means:<\/p><ul><li>Qwikza<\/li><li>Pamphlets \/ Brochures<\/li><li>Marketing and promotional material<\/li><\/ul><ol><li><b><\/b><strong><b>Facilitation of a request for access to information<\/b><\/strong><\/li><\/ol><p>8.1\u00a0A request for information may include a request for access to a record containing personal information about the requester or the person on whose behalf the request is made.<\/p><p>8.2\u00a0Requests made for personal information from Qwik\u00a0Finance\u00a0have to comply with the provisions of the Protection of Personal Information Act 4 of 2013 (\u201cPOPI\u201d) in that Qwik\u00a0Finance\u00a0has to be made aware of the following:<\/p><p>8.2.1\u00a0Specifics of the information requested, including the category of information<\/p><p>8.2.2\u00a0Name and address of the requester\/data subject<\/p><p>8.2.3\u00a0The purpose for the collection of the information<\/p><p>8.2.4\u00a0Whether the information required is voluntary or mandatory<\/p><p>8.2.5\u00a0Whether there are any consequences of failure to provide information to the requester<\/p><p>8.2.6\u00a0Stipulate any law authorising the collection of information<\/p><p>8.2.7\u00a0The recipients or categories of recipients of the information<\/p><p>8.2.8\u00a0Whether the information will transfer internationally<\/p><p>8.2.9\u00a0A general description allowing a preliminary assessment of the suitability of the information security measures to be implemented by the responsible party to ensure the confidentiality, integrity and availability of the information which is to be processed.<\/p><p>8.3\u00a0Information that is not readily available to immediately access by a private body, may be requested on the prescribed form (form 2 of Annexure A of the PAIA Regulations), as per PAIA.<\/p><p>8.4\u00a0In the case of Qwik\u00a0Finance, such request must be addressed to Qwik\u00a0Finance, using the contact details provided in this manual.<\/p><p>8.5\u00a0The prescribed form 2 of Annexure A of the PAIA Regulations on which the request is made must at least contain the following information:<\/p><ul><li>Personal information of the person requester;<\/li><li>Type of record requested;<\/li><li>Which form of access is required;<\/li><li>The manner of access;<\/li><li>Particulars of the right to be exercised or protected; and<\/li><li>Fees payable.<\/li><\/ul><p>8.6\u00a0Copies of the prescribed form 2 of Annexure A of the PAIA Regulations to be completed for submitting a request are available from Qwik\u00a0Finance\u00a0or the Information Regulator.<\/p><ol><li><b><\/b><strong><b>Fees in terms of a request for information<\/b><\/strong><\/li><\/ol><p><strong><b>9.1\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0to whom a request for access to information is made shall require the requester to pay the prescribed request fee (if any) before processing the request.<\/b><\/strong><\/p><p><strong><b>9.2\u00a0If, after a request for a record from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, the search for such record has been made and the preparation of the record for disclosure would, in the opinion of the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, require more than six hours, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall by notice require the requester to pay as a deposit the prescribed portion (being not more than one third) of the prescribed fee which would be payable if the request were to be granted.<\/b><\/strong><\/p><p><strong><b>9.3\u00a0If a deposit has been paid in respect of a request for access which is refused, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall repay the deposit to the requester.<\/b><\/strong><\/p><p><strong><b>9.4\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may withhold a record until the requester concerned has paid the applicable fees (if any).<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of PAIA<\/b><\/strong><\/li><\/ol><p><strong><b>10.1\u00a0The requester may apply, on the prescribed form 2 of Annexure A of the PAIA Regulations and in accordance with the procedure set out in this manual, for access to the following categories of information, provided that the request for information of these records is for purposes of a trial, investigation, protection of a right or any other legitimate reason which would not prejudice\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0in any way:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Personnel records, which include employment contracts and payroll information;<\/b><\/strong><\/li><li><b><\/b><strong><b>Customer records, which include contact details, contracts, correspondence and financial records for service providers of\u00a0<\/b><\/strong><strong><b>Qwik <\/b><\/strong><strong><b>Finance;<\/b><\/strong><\/li><li><b><\/b><strong><b>Qwik <\/b><\/strong><strong><b>Finance records, which include, inter alia, all business, marketing, financial and\/or IT records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Other party records, which include any record which does not belong to\u00a0<\/b><\/strong><strong><b>Qwik <\/b><\/strong><strong><b>Finance but is in the <\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s possession.<\/b><\/strong><\/li><\/ul><p><strong><b>10.2\u00a0Access to these records may be limited or refused in order to protect any individual\u2019s or company\u2019s right to privacy (if so required in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s discretion), alternatively, access to these records may be refused subject to the grounds of refusal set out in paragraph 12 of this manual.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of other legislation<\/b><\/strong><\/li><\/ol><p><strong><b>Certain information or records may be requested from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and must be made available in terms of laws other than PAIA, such as the following \u2013<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Basic Conditions of Employment Act 75 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Companies Act 71 of 2008<\/b><\/strong><\/li><li><b><\/b><strong><b>Employment Equity Act 55 of 1998<\/b><\/strong><\/li><li><b><\/b><strong><b>Income Tax Act 58 of 1962<\/b><\/strong><\/li><li><b><\/b><strong><b>Occupational Health and Safety Act 85 of 1993<\/b><\/strong><\/li><li><b><\/b><strong><b>South African Revenue Services Act 34 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Skills Development Levies Act 9 of 1999<\/b><\/strong><\/li><li><b><\/b><strong><b>Unemployment Contributions Act 4 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>Value Added Tax Act 89 of 1991<\/b><\/strong><\/li><li><b><\/b><strong><b>Broad-based Black Economic Empowerment Act 53 of 2003<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Intelligence Centre Act 38 of 2001<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Sector Regulation Act 9 of 2017<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Advisory and Intermediary Services Act 37 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>National Credit Act 34 of 2005<\/b><\/strong><\/li><\/ul><p><strong><b>The information or records may include but is not limited to the tax clearance certificate, B-BBEE certificate, privacy policy in terms of POPI, public documents in terms of FICA, VAT number and employment equity report. \u00a0In making a decision as to whether or not to grant access to the requested information or records,\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will use its discretion so as to ensure that it protects its right to privacy and does not infringe on any person\u2019s rights by providing access. In other words, access will only be provided in the instance that its right to privacy is not infringed and no one else\u2019s right to privacy is infringed.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Grounds for refusal to access to records<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may legitimately, in terms of chapter 4 of PAIA, refuse a request for information on, inter alia, any of the following grounds:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Protection of personal information, including the right to privacy of\u00a0<\/b><\/strong><strong><b>Qwik <\/b><\/strong><strong><b>Finance, any employee of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, or any third party, in order to avoid the unreasonable disclosure of personal information concerning that person.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b> Finance may use its discretion as to whether a person\u2019s right to privacy might be affected by granting access to such records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the commercial information of\u00a0<\/b><\/strong><strong><b>Qwik <\/b><\/strong><strong><b>Finance or a third party;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of confidential information of third parties if disclosure would constitute an action for breach of a duty of confidence owed to that third party in terms of any agreement or legislation;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the safety of individuals or the protection of property;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of records which would be privileged from production in legal proceedings;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s commercial activities including but not limited to records that contain trade secrets, financial, commercial, customer, scientific or technical information, the disclosure of which would be likely to cause harm to\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s commercial or financial interests;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of research information of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financeor a third party, if disclosure would expose the identity of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0or the third party, the researcher or the subject matter of the research to serious disadvantage; or<\/b><\/strong><\/li><li><b><\/b><strong><b>Requests for information that are, in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s reasonable opinion, manifestly frivolous or vexatious or which involve an unreasonable diversion of resources.<\/b><\/strong><\/li><\/ul><ol><li><b><\/b><strong><b>Compliance with the Protection of Personal Information Act<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will maintain the documentation of all processing operations under its responsibility, compliant with the Protection of Personal Information Act 4 of 2013.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0does not intend to transfer personal information across South African borders.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Availability of PAIA manual<\/b><\/strong><\/li><\/ol><p><strong><b>Copies of this manual are available for inspection, upon request and free of charge, at the offices of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and on\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s website.<\/b><\/strong><\/p><p>PAIA Munual<\/p><ol><li><b><\/b><strong><b>Introduction<\/b><\/strong><\/li><\/ol><p>Qwik\u00a0Finance\u00a0Finance and Loan (Pty) Ltd (<strong><b>\u201c<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u201d<\/b><\/strong>) (a private body), is an authorised financial services provider (FSP) and national credit provider (NCRCP895), whose primary business is that of a micro financier to personal clients and also provides financial advice and renders intermediary services to clients on financial products under a license issued in terms of the Financial Advisory and Intermediary Services Act, Act 37 of 2002.<\/p><ol><li><b><\/b><strong><b>Purpose, scope and objectives<\/b><\/strong><\/li><\/ol><p>This manual was drafted in accordance with section 51 of the Promotion of Access to Information Act 2 of 2000 (\u201c<strong><b>PAIA<\/b><\/strong>\u201d) and is applicable to Qwik\u00a0Finance.\u00a0 This manual serves to provide a guideline on which information is available and the manner in which such information may be requested from Qwik\u00a0Finance.<\/p><ol><li><b><\/b><strong><b>Definitions<\/b><\/strong><\/li><\/ol><p>3.1\u00a0<strong><b>\u201cpersonal information\u201d<\/b><\/strong>\u00a0means information relating to an identifiable natural person, including, but not limited to-<\/p><ul><li>information relating to the race, national origin, age, language and birth of the person;<\/li><li>information relating to the education or the financial, criminal or employment history of the person;<\/li><li>any identifying number, symbol, email address, physical address, telephone number, location information, online identifier or other particular assigned to the person;<\/li><li>correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; and<\/li><li>the name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person,<\/li><\/ul><p>but excludes information about an individual who has been dead for more than 20 years;<\/p><ul><li>\u00a0<\/li><\/ul><p>3.2\u00a0<strong><b>\u201crecord\u201d<\/b><\/strong>\u00a0of, or in relation to, a public or private body, means any recorded information \u2013<\/p><ul><li>regardless of form or medium;<\/li><li>in the possession or under the control of that public or private body, as the case may be; and<\/li><li>whether or not it was created by that public or private body.<\/li><\/ul><ol><li><b><\/b><strong><b>Contact particulars<\/b><\/strong><\/li><\/ol><p><strong><b>Name of business:\u00a0<\/b><\/strong>Qwik\u00a0Finance\u00a0Finance and Loan (Pty) Ltd<\/p><p><strong><b>Physical address:\u00a0<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Postal address:<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Telephone number:\u00a0<\/b><\/strong>+27 82 940 1336<\/p><p><strong><b>Website address:\u00a0<\/b><\/strong>www.Qwik\u00a0Financefinance.co.za<\/p><p><strong><b>Compliance department:\u00a0<\/b><\/strong>compliance@Qwikfinance.co.za<\/p><ol><li><b><\/b><strong><b>Guide on how to use PAIA<\/b><\/strong><\/li><\/ol><p>A guide on how to use PAIA, as provided for in section 10 of PAIA, is available from the Information Regulator, as well as at the link below:<\/p><p><strong><b>Guide on how to use PAIA download<\/b><\/strong><\/p><p><strong><b>Information Regulator:<\/b><\/strong><\/p><p><strong><b>Website:<\/b><\/strong>\u00a0<a href=\"https:\/\/www.justice.gov.za\/inforeg\/\">https:\/\/www.justice.gov.za\/inforeg\/<\/a><\/p><p><strong><b>Postal Address:\u00a0<\/b><\/strong>PO Box 31533, Braamfontein, Johannesburg, 2017<\/p><p><strong><b>Telephone:\u00a0<\/b><\/strong>010 023 5200<\/p><p><strong><b>Email:\u00a0<\/b><\/strong>enquiries@inforegulator.org.za<\/p><p>Should your PAIA request be denied or there is no response for access to records, you may use the following email address to lodge a complaint.<\/p><p><strong><b>Complaints:\u00a0<\/b><\/strong>PAIAComplaints@inforegulator.org.za<\/p><ol><li><b><\/b><strong><b>Right of access to a record<\/b><\/strong><\/li><\/ol><p>A requester of information must be given access to any record of a private body if \u2013<\/p><ul><li>that record is required for the exercise or protection of any rights of the requester of the information;<\/li><li>such requester complies with the procedural requirements of PAIA relating to a request for access to that record; and<br \/>access to that record is not refused in terms of any permissible ground for refusal, as contained in paragraph 12 of this manual.<\/li><\/ul><ol><li><b><\/b><strong><b>Voluntary disclosure and information automatically available<\/b><\/strong><\/li><\/ol><p>Qwik\u00a0Finance\u00a0makes certain information available voluntarily, which information is freely accessible via the following means:<\/p><ul><li>Qwikza<\/li><li>Pamphlets \/ Brochures<\/li><li>Marketing and promotional material<\/li><\/ul><ol><li><b><\/b><strong><b>Facilitation of a request for access to information<\/b><\/strong><\/li><\/ol><p>8.1\u00a0A request for information may include a request for access to a record containing personal information about the requester or the person on whose behalf the request is made.<\/p><p>8.2\u00a0Requests made for personal information from Qwik\u00a0Finance\u00a0have to comply with the provisions of the Protection of Personal Information Act 4 of 2013 (\u201cPOPI\u201d) in that Qwik\u00a0Finance\u00a0has to be made aware of the following:<\/p><p>8.2.1\u00a0Specifics of the information requested, including the category of information<\/p><p>8.2.2\u00a0Name and address of the requester\/data subject<\/p><p>8.2.3\u00a0The purpose for the collection of the information<\/p><p>8.2.4\u00a0Whether the information required is voluntary or mandatory<\/p><p>8.2.5\u00a0Whether there are any consequences of failure to provide information to the requester<\/p><p>8.2.6\u00a0Stipulate any law authorising the collection of information<\/p><p>8.2.7\u00a0The recipients or categories of recipients of the information<\/p><p>8.2.8\u00a0Whether the information will transfer internationally<\/p><p>8.2.9\u00a0A general description allowing a preliminary assessment of the suitability of the information security measures to be implemented by the responsible party to ensure the confidentiality, integrity and availability of the information which is to be processed.<\/p><p>8.3\u00a0Information that is not readily available to immediately access by a private body, may be requested on the prescribed form (form 2 of Annexure A of the PAIA Regulations), as per PAIA.<\/p><p>8.4\u00a0In the case of Qwik\u00a0Finance, such request must be addressed to Qwik\u00a0Finance, using the contact details provided in this manual.<\/p><p>8.5\u00a0The prescribed form 2 of Annexure A of the PAIA Regulations on which the request is made must at least contain the following information:<\/p><ul><li>Personal information of the person requester;<\/li><li>Type of record requested;<\/li><li>Which form of access is required;<\/li><li>The manner of access;<\/li><li>Particulars of the right to be exercised or protected; and<\/li><li>Fees payable.<\/li><\/ul><p>8.6\u00a0Copies of the prescribed form 2 of Annexure A of the PAIA Regulations to be completed for submitting a request are available from Qwik\u00a0Finance\u00a0or the Information Regulator.<\/p><ol><li><b><\/b><strong><b>Fees in terms of a request for information<\/b><\/strong><\/li><\/ol><p><strong><b>9.1\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0to whom a request for access to information is made shall require the requester to pay the prescribed request fee (if any) before processing the request.<\/b><\/strong><\/p><p><strong><b>9.2\u00a0If, after a request for a record from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, the search for such record has been made and the preparation of the record for disclosure would, in the opinion of the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, require more than six hours, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall by notice require the requester to pay as a deposit the prescribed portion (being not more than one third) of the prescribed fee which would be payable if the request were to be granted.<\/b><\/strong><\/p><p><strong><b>9.3\u00a0If a deposit has been paid in respect of a request for access which is refused, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall repay the deposit to the requester.<\/b><\/strong><\/p><p><strong><b>9.4\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may withhold a record until the requester concerned has paid the applicable fees (if any).<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of PAIA<\/b><\/strong><\/li><\/ol><p><strong><b>10.1\u00a0The requester may apply, on the prescribed form 2 of Annexure A of the PAIA Regulations and in accordance with the procedure set out in this manual, for access to the following categories of information, provided that the request for information of these records is for purposes of a trial, investigation, protection of a right or any other legitimate reason which would not prejudice\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0in any way:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Personnel records, which include employment contracts and payroll information;<\/b><\/strong><\/li><li><b><\/b><strong><b>Customer records, which include contact details, contracts, correspondence and financial records for service providers of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance;<\/b><\/strong><\/li><li><b><\/b><strong><b>Qwik<\/b><\/strong><strong><b>Financerecords, which include, inter alia, all business, marketing, financial and\/or IT records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Other party records, which include any record which does not belong to\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financebut is in the\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s possession.<\/b><\/strong><\/li><\/ul><p><strong><b>10.2\u00a0Access to these records may be limited or refused in order to protect any individual\u2019s or company\u2019s right to privacy (if so required in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s discretion), alternatively, access to these records may be refused subject to the grounds of refusal set out in paragraph 12 of this manual.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of other legislation<\/b><\/strong><\/li><\/ol><p><strong><b>Certain information or records may be requested from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and must be made available in terms of laws other than PAIA, such as the following \u2013<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Basic Conditions of Employment Act 75 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Companies Act 71 of 2008<\/b><\/strong><\/li><li><b><\/b><strong><b>Employment Equity Act 55 of 1998<\/b><\/strong><\/li><li><b><\/b><strong><b>Income Tax Act 58 of 1962<\/b><\/strong><\/li><li><b><\/b><strong><b>Occupational Health and Safety Act 85 of 1993<\/b><\/strong><\/li><li><b><\/b><strong><b>South African Revenue Services Act 34 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Skills Development Levies Act 9 of 1999<\/b><\/strong><\/li><li><b><\/b><strong><b>Unemployment Contributions Act 4 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>Value Added Tax Act 89 of 1991<\/b><\/strong><\/li><li><b><\/b><strong><b>Broad-based Black Economic Empowerment Act 53 of 2003<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Intelligence Centre Act 38 of 2001<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Sector Regulation Act 9 of 2017<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Advisory and Intermediary Services Act 37 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>National Credit Act 34 of 2005<\/b><\/strong><\/li><\/ul><p><strong><b>The information or records may include but is not limited to the tax clearance certificate, B-BBEE certificate, privacy policy in terms of POPI, public documents in terms of FICA, VAT number and employment equity report. \u00a0In making a decision as to whether or not to grant access to the requested information or records,\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will use its discretion so as to ensure that it protects its right to privacy and does not infringe on any person\u2019s rights by providing access. In other words, access will only be provided in the instance that its right to privacy is not infringed and no one else\u2019s right to privacy is infringed.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Grounds for refusal to access to records<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may legitimately, in terms of chapter 4 of PAIA, refuse a request for information on, inter alia, any of the following grounds:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Protection of personal information, including the right to privacy of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance, any employee of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, or any third party, in order to avoid the unreasonable disclosure of personal information concerning that person.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Financemay use its discretion as to whether a person\u2019s right to privacy might be affected by granting access to such records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the commercial information of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financeor a third party;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of confidential information of third parties if disclosure would constitute an action for breach of a duty of confidence owed to that third party in terms of any agreement or legislation;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the safety of individuals or the protection of property;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of records which would be privileged from production in legal proceedings;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s commercial activities including but not limited to records that contain trade secrets, financial, commercial, customer, scientific or technical information, the disclosure of which would be likely to cause harm to\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s commercial or financial interests;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of research information of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financeor a third party, if disclosure would expose the identity of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0or the third party, the researcher or the subject matter of the research to serious disadvantage; or<\/b><\/strong><\/li><li><b><\/b><strong><b>Requests for information that are, in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s reasonable opinion, manifestly frivolous or vexatious or which involve an unreasonable diversion of resources.<\/b><\/strong><\/li><\/ul><ol><li><b><\/b><strong><b>Compliance with the Protection of Personal Information Act<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will maintain the documentation of all processing operations under its responsibility, compliant with the Protection of Personal Information Act 4 of 2013.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0does not intend to transfer personal information across South African borders.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Availability of PAIA manual<\/b><\/strong><\/li><\/ol><p><strong><b>Copies of this manual are available for inspection, upon request and free of charge, at the offices of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and on\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s website.<\/b><\/strong><\/p><p>PAIA Munual<\/p><ol><li><b><\/b><strong><b>Introduction<\/b><\/strong><\/li><\/ol><p>Qwik\u00a0Finance\u00a0Finance and Loan (Pty) Ltd (<strong><b>\u201c<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u201d<\/b><\/strong>) (a private body), is an authorised financial services provider (FSP) and national credit provider (NCRCP895), whose primary business is that of a micro financier to personal clients and also provides financial advice and renders intermediary services to clients on financial products under a license issued in terms of the Financial Advisory and Intermediary Services Act, Act 37 of 2002.<\/p><ol><li><b><\/b><strong><b>Purpose, scope and objectives<\/b><\/strong><\/li><\/ol><p>This manual was drafted in accordance with section 51 of the Promotion of Access to Information Act 2 of 2000 (\u201c<strong><b>PAIA<\/b><\/strong>\u201d) and is applicable to Qwik\u00a0Finance.\u00a0 This manual serves to provide a guideline on which information is available and the manner in which such information may be requested from Qwik\u00a0Finance.<\/p><ol><li><b><\/b><strong><b>Definitions<\/b><\/strong><\/li><\/ol><p>3.1\u00a0<strong><b>\u201cpersonal information\u201d<\/b><\/strong>\u00a0means information relating to an identifiable natural person, including, but not limited to-<\/p><ul><li>information relating to the race, national origin, age, language and birth of the person;<\/li><li>information relating to the education or the financial, criminal or employment history of the person;<\/li><li>any identifying number, symbol, email address, physical address, telephone number, location information, online identifier or other particular assigned to the person;<\/li><li>correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; and<\/li><li>the name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person,<\/li><\/ul><p>but excludes information about an individual who has been dead for more than 20 years;<\/p><ul><li>\u00a0<\/li><\/ul><p>3.2\u00a0<strong><b>\u201crecord\u201d<\/b><\/strong>\u00a0of, or in relation to, a public or private body, means any recorded information \u2013<\/p><ul><li>regardless of form or medium;<\/li><li>in the possession or under the control of that public or private body, as the case may be; and<\/li><li>whether or not it was created by that public or private body.<\/li><\/ul><ol><li><b><\/b><strong><b>Contact particulars<\/b><\/strong><\/li><\/ol><p><strong><b>Name of business:\u00a0<\/b><\/strong>Qwik\u00a0Finance\u00a0Finance and Loan (Pty) Ltd<\/p><p><strong><b>Physical address:\u00a0<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Postal address:<\/b><\/strong>72 Garden Road, Blue Hills, Midrand, Johannesburg<\/p><p><strong><b>Telephone number:\u00a0<\/b><\/strong>+27 82 940 1336<\/p><p><strong><b>Website address:\u00a0<\/b><\/strong>www.Qwik\u00a0Financefinance.co.za<\/p><p><strong><b>Compliance department:\u00a0<\/b><\/strong>compliance@Qwikfinance.co.za<\/p><ol><li><b><\/b><strong><b>Guide on how to use PAIA<\/b><\/strong><\/li><\/ol><p>A guide on how to use PAIA, as provided for in section 10 of PAIA, is available from the Information Regulator, as well as at the link below:<\/p><p><strong><b>Guide on how to use PAIA download<\/b><\/strong><\/p><p><strong><b>Information Regulator:<\/b><\/strong><\/p><p><strong><b>Website:<\/b><\/strong>\u00a0<a href=\"https:\/\/www.justice.gov.za\/inforeg\/\">https:\/\/www.justice.gov.za\/inforeg\/<\/a><\/p><p><strong><b>Postal Address:\u00a0<\/b><\/strong>PO Box 31533, Braamfontein, Johannesburg, 2017<\/p><p><strong><b>Telephone:\u00a0<\/b><\/strong>010 023 5200<\/p><p><strong><b>Email:\u00a0<\/b><\/strong>enquiries@inforegulator.org.za<\/p><p>Should your PAIA request be denied or there is no response for access to records, you may use the following email address to lodge a complaint.<\/p><p><strong><b>Complaints:\u00a0<\/b><\/strong>PAIAComplaints@inforegulator.org.za<\/p><ol><li><b><\/b><strong><b>Right of access to a record<\/b><\/strong><\/li><\/ol><p>A requester of information must be given access to any record of a private body if \u2013<\/p><ul><li>that record is required for the exercise or protection of any rights of the requester of the information;<\/li><li>such requester complies with the procedural requirements of PAIA relating to a request for access to that record; and<br \/>access to that record is not refused in terms of any permissible ground for refusal, as contained in paragraph 12 of this manual.<\/li><\/ul><ol><li><b><\/b><strong><b>Voluntary disclosure and information automatically available<\/b><\/strong><\/li><\/ol><p>Qwik\u00a0Finance\u00a0makes certain information available voluntarily, which information is freely accessible via the following means:<\/p><ul><li>Qwikza<\/li><li>Pamphlets \/ Brochures<\/li><li>Marketing and promotional material<\/li><\/ul><ol><li><b><\/b><strong><b>Facilitation of a request for access to information<\/b><\/strong><\/li><\/ol><p>8.1\u00a0A request for information may include a request for access to a record containing personal information about the requester or the person on whose behalf the request is made.<\/p><p>8.2\u00a0Requests made for personal information from Qwik\u00a0Finance\u00a0have to comply with the provisions of the Protection of Personal Information Act 4 of 2013 (\u201cPOPI\u201d) in that Qwik\u00a0Finance\u00a0has to be made aware of the following:<\/p><p>8.2.1\u00a0Specifics of the information requested, including the category of information<\/p><p>8.2.2\u00a0Name and address of the requester\/data subject<\/p><p>8.2.3\u00a0The purpose for the collection of the information<\/p><p>8.2.4\u00a0Whether the information required is voluntary or mandatory<\/p><p>8.2.5\u00a0Whether there are any consequences of failure to provide information to the requester<\/p><p>8.2.6\u00a0Stipulate any law authorising the collection of information<\/p><p>8.2.7\u00a0The recipients or categories of recipients of the information<\/p><p>8.2.8\u00a0Whether the information will transfer internationally<\/p><p>8.2.9\u00a0A general description allowing a preliminary assessment of the suitability of the information security measures to be implemented by the responsible party to ensure the confidentiality, integrity and availability of the information which is to be processed.<\/p><p>8.3\u00a0Information that is not readily available to immediately access by a private body, may be requested on the prescribed form (form 2 of Annexure A of the PAIA Regulations), as per PAIA.<\/p><p>8.4\u00a0In the case of Qwik\u00a0Finance, such request must be addressed to Qwik\u00a0Finance, using the contact details provided in this manual.<\/p><p>8.5\u00a0The prescribed form 2 of Annexure A of the PAIA Regulations on which the request is made must at least contain the following information:<\/p><ul><li>Personal information of the person requester;<\/li><li>Type of record requested;<\/li><li>Which form of access is required;<\/li><li>The manner of access;<\/li><li>Particulars of the right to be exercised or protected; and<\/li><li>Fees payable.<\/li><\/ul><p>8.6\u00a0Copies of the prescribed form 2 of Annexure A of the PAIA Regulations to be completed for submitting a request are available from Qwik\u00a0Finance\u00a0or the Information Regulator.<\/p><ol><li><b><\/b><strong><b>Fees in terms of a request for information<\/b><\/strong><\/li><\/ol><p><strong><b>9.1\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0to whom a request for access to information is made shall require the requester to pay the prescribed request fee (if any) before processing the request.<\/b><\/strong><\/p><p><strong><b>9.2\u00a0If, after a request for a record from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, the search for such record has been made and the preparation of the record for disclosure would, in the opinion of the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, require more than six hours, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall by notice require the requester to pay as a deposit the prescribed portion (being not more than one third) of the prescribed fee which would be payable if the request were to be granted.<\/b><\/strong><\/p><p><strong><b>9.3\u00a0If a deposit has been paid in respect of a request for access which is refused, the head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0shall repay the deposit to the requester.<\/b><\/strong><\/p><p><strong><b>9.4\u00a0The head of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may withhold a record until the requester concerned has paid the applicable fees (if any).<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of PAIA<\/b><\/strong><\/li><\/ol><p><strong><b>10.1\u00a0The requester may apply, on the prescribed form 2 of Annexure A of the PAIA Regulations and in accordance with the procedure set out in this manual, for access to the following categories of information, provided that the request for information of these records is for purposes of a trial, investigation, protection of a right or any other legitimate reason which would not prejudice\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0in any way:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Personnel records, which include employment contracts and payroll information;<\/b><\/strong><\/li><li><b><\/b><strong><b>Customer records, which include contact details, contracts, correspondence and financial records for service providers of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance;<\/b><\/strong><\/li><li><b><\/b><strong><b>Qwik<\/b><\/strong><strong><b>Financerecords, which include, inter alia, all business, marketing, financial and\/or IT records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Other party records, which include any record which does not belong to\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financebut is in the\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s possession.<\/b><\/strong><\/li><\/ul><p><strong><b>10.2\u00a0Access to these records may be limited or refused in order to protect any individual\u2019s or company\u2019s right to privacy (if so required in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s discretion), alternatively, access to these records may be refused subject to the grounds of refusal set out in paragraph 12 of this manual.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Information available in terms of other legislation<\/b><\/strong><\/li><\/ol><p><strong><b>Certain information or records may be requested from\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and must be made available in terms of laws other than PAIA, such as the following \u2013<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Basic Conditions of Employment Act 75 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Companies Act 71 of 2008<\/b><\/strong><\/li><li><b><\/b><strong><b>Employment Equity Act 55 of 1998<\/b><\/strong><\/li><li><b><\/b><strong><b>Income Tax Act 58 of 1962<\/b><\/strong><\/li><li><b><\/b><strong><b>Occupational Health and Safety Act 85 of 1993<\/b><\/strong><\/li><li><b><\/b><strong><b>South African Revenue Services Act 34 of 1997<\/b><\/strong><\/li><li><b><\/b><strong><b>Skills Development Levies Act 9 of 1999<\/b><\/strong><\/li><li><b><\/b><strong><b>Unemployment Contributions Act 4 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>Value Added Tax Act 89 of 1991<\/b><\/strong><\/li><li><b><\/b><strong><b>Broad-based Black Economic Empowerment Act 53 of 2003<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Intelligence Centre Act 38 of 2001<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Sector Regulation Act 9 of 2017<\/b><\/strong><\/li><li><b><\/b><strong><b>Financial Advisory and Intermediary Services Act 37 of 2002<\/b><\/strong><\/li><li><b><\/b><strong><b>National Credit Act 34 of 2005<\/b><\/strong><\/li><\/ul><p><strong><b>The information or records may include but is not limited to the tax clearance certificate, B-BBEE certificate, privacy policy in terms of POPI, public documents in terms of FICA, VAT number and employment equity report. \u00a0In making a decision as to whether or not to grant access to the requested information or records,\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will use its discretion so as to ensure that it protects its right to privacy and does not infringe on any person\u2019s rights by providing access. In other words, access will only be provided in the instance that its right to privacy is not infringed and no one else\u2019s right to privacy is infringed.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Grounds for refusal to access to records<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0may legitimately, in terms of chapter 4 of PAIA, refuse a request for information on, inter alia, any of the following grounds:<\/b><\/strong><\/p><ul><li><b><\/b><strong><b>Protection of personal information, including the right to privacy of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance, any employee of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance, or any third party, in order to avoid the unreasonable disclosure of personal information concerning that person.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Financemay use its discretion as to whether a person\u2019s right to privacy might be affected by granting access to such records;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the commercial information of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financeor a third party;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of confidential information of third parties if disclosure would constitute an action for breach of a duty of confidence owed to that third party in terms of any agreement or legislation;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of the safety of individuals or the protection of property;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of records which would be privileged from production in legal proceedings;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s commercial activities including but not limited to records that contain trade secrets, financial, commercial, customer, scientific or technical information, the disclosure of which would be likely to cause harm to\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s commercial or financial interests;<\/b><\/strong><\/li><li><b><\/b><strong><b>Protection of research information of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Financeor a third party, if disclosure would expose the identity of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0or the third party, the researcher or the subject matter of the research to serious disadvantage; or<\/b><\/strong><\/li><li><b><\/b><strong><b>Requests for information that are, in\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>Finance\u2019s reasonable opinion, manifestly frivolous or vexatious or which involve an unreasonable diversion of resources.<\/b><\/strong><\/li><\/ul><ol><li><b><\/b><strong><b>Compliance with the Protection of Personal Information Act<\/b><\/strong><\/li><\/ol><p><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0will maintain the documentation of all processing operations under its responsibility, compliant with the Protection of Personal Information Act 4 of 2013.\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0does not intend to transfer personal information across South African borders.<\/b><\/strong><\/p><ol><li><b><\/b><strong><b>Availability of PAIA manual<\/b><\/strong><\/li><\/ol><p><strong><b>Copies of this manual are available for inspection, upon request and free of charge, at the offices of\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u00a0and on\u00a0<\/b><\/strong><strong><b>Qwik<\/b><\/strong><strong><b>\u00a0Finance\u2019s website.<\/b><\/strong><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PAIA Munual Introduction Qwik Finance and Loan (Pty) Ltd (\u201cQwik\u00a0Finance\u201d) (a private body), is an authorised financial services provider (FSP) and national credit provider (NCRCP895), whose primary business is that of a micro financier to personal clients and also provides financial advice and renders intermediary services to clients on financial products under a license issued [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1494","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - 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