{"id":3,"date":"2024-06-29T13:38:56","date_gmt":"2024-06-29T11:38:56","guid":{"rendered":"http:\/\/127.0.0.1\/Kwik%20Finance\/?page_id=3"},"modified":"2024-08-07T09:52:45","modified_gmt":"2024-08-07T07:52:45","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/qwikfinance.co.za\/?page_id=3","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t
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Privacy Policy<\/b><\/strong><\/h3>

.\u00a0Introduction<\/b><\/strong><\/p>

Qwik Finance & Loan (Pty) Ltd (\u201cQwik Finance\u201d) is a financial service provider and national credit provider, whose primary business is that of a micro financier to personal clients. Qwik Finance is committed to sound business practices in compliance with relevant legislation, which, for purposes of this Privacy Policy, includes the Protection of Personal Information Act 4 of 2013 (POPI) read with the Constitution of the Republic of South Africa.<\/p>

  1. <\/b>Purpose, scope and objectives<\/b><\/strong><\/li><\/ol>

    2.1\u00a0This policy will set out the manner in which personal information of internal and external parties is collected, managed, stored, used and protected by Qwik\u00a0Finance. This policy applies to all employees of Qwik\u00a0Finance.<\/p>

    2.2\u00a0The objectives are to:<\/p>

    • process personal information lawfully in terms of legislation;<\/li>
    • provide a guideline as to the manner in which QwikFinanceprocesses and protects personal information;<\/li>
    • adopt good practices in terms of processing of personal information;<\/li>
    • protect QwikFinancefrom the consequences of breaching its responsibilities;<\/li>
    • display the commitment of QwikFinanceto uphold and respect information privacy.<\/li><\/ul>
      1. <\/b>Definitions<\/b><\/strong><\/li><\/ol>

        3.1\u00a0\u201cpersonal information\u201d\u00a0<\/b><\/strong>means information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person, including, but not limited to-<\/p>

        • information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, colour, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the person;<\/li>
        • information relating to the education or the medical, financial, criminal or employment history of the person;<\/li>
        • any identifying number, symbol, e-mail address, physical address, telephone number, location information, online identifier or other particular assignment to the person;<\/li>
        • the biometric information of the person;<\/li>
        • the personal opinions, views or preferences of the person;<\/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;<\/li>
        • the views or opinions of another individual about the person; and<\/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>

          3.2\u00a0\u201cprocessing\u201d\u00a0<\/b><\/strong>means any operation or activity or any set of operations, whether or not by automatic means, concerning personal information, including-<\/p>

          • the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use;<\/li>
          • dissemination by means of transmission, distribution or making available in any other form; or<\/li>
          • merging, linking, as well as restriction, degradation, erasure or destruction of information;<\/li><\/ul>
            1. <\/b>Type of information processed<\/b><\/strong><\/li><\/ol>

              4.1\u00a0Qwik\u00a0Finance\u00a0may collect and process the following types of information:<\/p>

              • Company details, including registration number, contact details, VAT numbers, directors\u2019 details<\/li>
              • Bank statements<\/li>
              • Payslips<\/li>
              • Name and surname<\/li>
              • Identity number (date of birth)<\/li>
              • Gender<\/li>
              • Contact details, including email address, telephone numbers, address<\/li>
              • Credit reports<\/li>
              • Employment information<\/li>
              • Client payment reports<\/li>
              • Employee data, including salary, disciplinary records, banking details, medical information, account numbers, tax information<\/li>
              • Settlement letters\/invoices from creditors or suppliers<\/li><\/ul>
                1. <\/b>Lawful processing<\/b><\/strong><\/li><\/ol>

                  Qwik\u00a0Finance\u00a0undertakes to comply with the 8 conditions for the lawful processing of personal information:<\/p>

                  5.1\u00a0Accountability<\/b><\/strong><\/p>

                  Qwik\u00a0Finance\u00a0takes responsibility and remains accountable for personal information in our possession and processed by us. Qwik\u00a0Finance\u00a0will ensure that the conditions for lawful processing are given effect to and complied with.<\/p>

                  5.2\u00a0Processing limitation<\/b><\/strong><\/p>

                  5.2.1\u00a0Qwik\u00a0Finance\u00a0undertakes to process personal information-<\/p>

                  • Lawfully;<\/li>
                  • In a reasonable manner that does not infringe the privacy of the data subject;<\/li>
                  • In a manner that is adequate, relevant and not excessive.<\/li><\/ul>

                    5.2.2\u00a0Personal information will only be processed if-<\/p>

                    • the data subject or a competent person, where the data subject is a child, consents thereto;<\/li>
                    • processing is necessary to carry out actions for the conclusion or performance of a contract to which the data subject is party;<\/li>
                    • processing complies with an obligation imposed by law;<\/li>
                    • processing protects a legitimate interest of the data subject;<\/li>
                    • processing is necessary for the proper performance of a public law duty by a public body; or<\/li>
                    • processing is necessary for pursuing the legitimate interests of the responsible party or of a third party to whom the information is supplied.<\/li><\/ul>

                      5.2.3\u00a0Personal information will be collected directly from the data subject, unless<\/p>

                      • the information is contained in or derived from a public record or has deliberately been made public by the data subject;<\/li>
                      • the data subject or a competent person, where the data subject is a child, has consented to the collection of the information from another source;<\/li>
                      • collection of the information from another source would not prejudice a legitimate interest of the data subject;<\/li>
                      • collection of the information from another source is necessary;<\/li>
                      • to avoid prejudice to the maintenance of the law by any public body;<\/li>
                      • to comply with an obligation imposed by law or to enforce legislation;<\/li>
                      • for the conduct of proceedings, in any court or tribunal, that have commenced or are reasonably contemplated;<\/li>
                      • in the interests of national security; or<\/li>
                      • to maintain the legitimate interests of the responsible party or of a third party to whom the information is supplied;<\/li>
                      • compliance would prejudice a lawful purpose of the collection; or<\/li>
                      • compliance is not reasonably practicable in the circumstances of the particular case.<\/li><\/ul>

                        5.3\u00a0Purpose specification<\/b><\/strong><\/p>

                        5.3.1\u00a0Qwik\u00a0Finance\u00a0will collect personal information for the following and related purposes:<\/p>

                        • Affordability check<\/li>
                        • Fraud check<\/li>
                        • Credit qualification and risk<\/li>
                        • Delivering of Services<\/li>
                        • Complying with contracts<\/li>
                        • Confirmation of employment<\/li>
                        • Debt collection, including tracing in the event of default on payment<\/li>
                        • Invoice and Quoting purposes<\/li>
                        • Compliance with legislation<\/li>
                        • Vetting of employees<\/li>
                        • Communication with clients and suppliers<\/li><\/ul>

                          5.3.2\u00a0Once personal information, processed and stored by Qwik\u00a0Finance, has reached its expiry date or becomes in any way redundant, Qwik\u00a0Finance\u00a0will destroy or delete the record of personal information in a manner that prevents its reconstruction in an intelligible form.<\/p>

                          5.4\u00a0Further processing limitation<\/b><\/strong><\/p>

                          Qwik\u00a0Finance\u00a0undertakes to carry out any further processing of personal information in accordance or compatible with the purpose for which it was collected originally.<\/p>

                          5.5\u00a0Information quality<\/b><\/strong><\/p>

                          Qwik\u00a0Finance\u00a0will take reasonably practicable steps to ensure that the personal information is complete, accurate, not misleading and updated where necessary.<\/p>

                          5.6\u00a0Openness<\/b><\/strong><\/p>

                          5.6.1\u00a0Qwik\u00a0Finance\u00a0will maintain the documentation of all processing operations under its responsibility.<\/p>

                          5.6.2\u00a0If personal information is collected, Qwik\u00a0Finance\u00a0will take reasonably practicable steps to ensure that the data subject is aware of-<\/p>

                          • the information being collected or the source from which it is collected;<\/li>
                          • the name and address of the responsible party;<\/li>
                          • the purpose for which the information is being collected;<\/li>
                          • whether or not the supply of the information by that data subject is voluntary or mandatory;<\/li>
                          • the consequences of failure to provide the information;<\/li>
                          • any particular law authorising or requiring the collection of the information;<\/li>
                          • the fact that, where applicable, the responsible party intends to transfer the information to a third country or international organisation and the level of protection afforded to the information by that third country or international organisation;<\/li>
                          • any further relevant information<\/li><\/ul>

                            5.7\u00a0Security safeguards<\/b><\/strong><\/p>

                            5.7.1\u00a0Qwik\u00a0Finance\u00a0undertakes to secure the integrity and confidentiality of personal information in its possession or under its control. This is done by taking appropriate, reasonable technical and organisational measures to prevent loss of, damage to or unauthorised destruction of personal information; and unlawful access to or processing of personal information.<\/p>

                            5.7.2\u00a0Where there are reasonable grounds to believe that the personal information of a data subject has been accessed or acquired by any unauthorised person, Qwik\u00a0Finance\u00a0will notify, as soon as reasonably possible after the discovery of the compromise;<\/p>

                            • the Regulator; and<\/li>
                            • the data subject, unless the identity of such data subject cannot be established.<\/li><\/ul>

                              5.7.3\u00a0Qwik\u00a0Finance\u00a0has put in place the following adequate safeguards to secure the integrity and confidentiality of personal information:<\/p>

                              • Physical access security to the building<\/li>
                              • Password protection on Loan Management systems<\/li>
                              • Password protection on all computer logins<\/li>
                              • Anti-virus on all computers<\/li>
                              • Firewalls<\/li><\/ul>

                                5.8\u00a0Retention and destruction of data<\/b><\/strong><\/p>

                                5.8.1\u00a0Qwik\u00a0Finance\u00a0undertakes to ensure that the retention, storage and destruction of data is in line with the requirements of the POPI Act as well as best practices \u2013 the specifics of which will be outlined in a separate Data Retention Policy.<\/p>

                                5.8.2\u00a0The Data Retention Policy will address how employees may obtain, create (for example unique identifiers), store, transmit, protect and destroy or delete Personal Information.<\/p>

                                5.8.3\u00a0Qwik\u00a0Finance\u00a0will identify what Personal Information should be collected, where to store it and how to keep it secure. Retention periods will be assigned to the Personal Information when it is collected specifically with regard to those periods prescribed by FICA and FAIS legislation require and also how it will be destroyed.<\/p>

                                5.8.4\u00a0Qwik\u00a0Finance\u00a0will ensure that records that are captured, kept and maintained are only those which are relevent to purpose and are only for the length of time for which they are required. These records will be kept up to date and only used for the purpose for which they were gathered.<\/p>

                                5.8.5\u00a0Qwik\u00a0Finance\u00a0will take adequate measures to secure the retention and destruction of physical Personal Information records. Storage and deletion of electronic records will be handled in terms of the procedures specified in the Data Retention Policy to reduce the chances of data breaches taking place.<\/p>

                                5.8.6\u00a0Personal information will only be retained for as long as necessary for the purpose it was collected and in line with regulations governing the duration information should be kept.<\/p>

                                5.8.7\u00a0Qwik\u00a0Finance\u00a0will destroy Personal Information as soon as reasonably possible after any legal justification to retain it in compliance with Section 14.<\/p>

                                5.8.8\u00a0Qwik\u00a0Finance\u00a0will retain and store Personal Information where required or authorised to do so, by law. Qwik\u00a0Finance\u00a0will also retain Personal Information where it reasonably needs to for lawful purposes related to its functions or activities, such as contracts with clients that specify the terms of service or product offering.<\/p>

                                5.8.9\u00a0Where a contract between Qwik\u00a0Finance\u00a0and other parties require retaining a record, the contract must specify the retention requirement and applicable time periods.<\/p>

                                5.8.10\u00a0If the data subject consents to the retention, consent must be voluntary, specific and informed; it must never be assumed. To be able to make an informed decision, the data subject will be informed why retention is required and for how long.<\/p>

                                5.8.11\u00a0Qwik\u00a0Finance\u00a0may reasonably retain records for historical, statistical or research purposes.<\/p>

                                5.8.12\u00a0Safeguards will be put in place to prevent the records from being used for any other purpose. Where possible, Qwik\u00a0Finance\u00a0will \u2018de-identify\u2019 the Personal Information. This entails destroying any information that:<\/p>

                                • identifies the data subject;<\/li>
                                • can be used or manipulated by a reasonably foreseeable method to identify the data subject; or<\/li>
                                • can be linked by a reasonably foreseeable method to other information that identifies the data subject.<\/li><\/ul>

                                  5.8.13\u00a0Where Personal Information is used to make a decision about a data subject, such as, if the data subject qualifies for a particular product this Personal Information must be retained for any period required or prescribed by law or a code of conduct. Where no period is prescribed, Qwik\u00a0Finance\u00a0will retain it for a period that will afford the data subject a reasonable opportunity to request access to the record, taking into account the intended use of the Personal Information.<\/p>

                                  5.8.14\u00a0Physical records containing Personal Information will be destroyed by means of shredding via a 3rd Party service.<\/p>

                                  5.8.15\u00a0Digital or electronic records, will be fully deleted and not accessible in a deleted items folder. Electronic Personal Information stored in a cloud or back-up will all be deleted or de-identified when they are no longer required to be retained. Access to Personal Information on servers or back-ups will be conservatively and responsibly managed.<\/p>

                                  5.9\u00a0Data subject participation<\/b><\/strong><\/p>

                                  If you have any questions or concerns regarding this policy, your personal information held by Qwik\u00a0Finance, the correction or deletion of personal information or updating your personal information held by Qwik\u00a0Finance, you should contact Qwik\u00a0Finance\u00a0by sending an email to the information officer, Chantal, at chantal@smitcompliance.com or the compliance department at compliance@Qwikfinance.co.za.<\/p>

                                  1. <\/b>Collection of information<\/b><\/strong><\/li><\/ol>

                                    Qwik\u00a0Finance\u00a0collects personal information in the following manners:<\/p>

                                    • Voluntary disclosure via multiple sources<\/li>
                                    • Telephonically<\/li>
                                    • Website forms<\/li>
                                    • Credit bureau systems<\/li>
                                    • Email<\/li>
                                    • Agents and brokers<\/li>
                                    • Credit applications<\/li>
                                    • Supplier applications<\/li><\/ul>
                                      1. <\/b>Disclosure of information<\/b><\/strong><\/li><\/ol>

                                        Where applicable, we may disclose your personal information to our service providers and partners who are involved in the delivery of products or services to you. We will ensure that they have taken reasonably practicable steps to comply with and process personal information in accordance with POPI.<\/p>

                                        Privacy Policy<\/b><\/strong><\/h3>

                                        .\u00a0Introduction<\/b><\/strong><\/p>

                                        Qwik\u00a0Finance\u00a0Finance & Loan (Pty) Ltd (\u201cQwik\u00a0Finance\u201d) is a financial service provider and national credit provider, whose primary business is that of a micro financier to personal clients. Qwik\u00a0Finance\u00a0is committed to sound business practices in compliance with relevant legislation, which, for purposes of this Privacy Policy, includes the Protection of Personal Information Act 4 of 2013 (POPI) read with the Constitution of the Republic of South Africa.<\/p>

                                        1. <\/b>Purpose, scope and objectives<\/b><\/strong><\/li><\/ol>

                                          2.1\u00a0This policy will set out the manner in which personal information of internal and external parties is collected, managed, stored, used and protected by Qwik\u00a0Finance. This policy applies to all employees of Qwik\u00a0Finance.<\/p>

                                          2.2\u00a0The objectives are to:<\/p>

                                          • process personal information lawfully in terms of legislation;<\/li>
                                          • provide a guideline as to the manner in which QwikFinanceprocesses and protects personal information;<\/li>
                                          • adopt good practices in terms of processing of personal information;<\/li>
                                          • protect QwikFinancefrom the consequences of breaching its responsibilities;<\/li>
                                          • display the commitment of QwikFinanceto uphold and respect information privacy.<\/li><\/ul>
                                            1. <\/b>Definitions<\/b><\/strong><\/li><\/ol>

                                              3.1\u00a0\u201cpersonal information\u201d\u00a0<\/b><\/strong>means information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person, including, but not limited to-<\/p>

                                              • information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, colour, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the person;<\/li>
                                              • information relating to the education or the medical, financial, criminal or employment history of the person;<\/li>
                                              • any identifying number, symbol, e-mail address, physical address, telephone number, location information, online identifier or other particular assignment to the person;<\/li>
                                              • the biometric information of the person;<\/li>
                                              • the personal opinions, views or preferences of the person;<\/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;<\/li>
                                              • the views or opinions of another individual about the person; and<\/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>

                                                3.2\u00a0\u201cprocessing\u201d\u00a0<\/b><\/strong>means any operation or activity or any set of operations, whether or not by automatic means, concerning personal information, including-<\/p>

                                                • the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use;<\/li>
                                                • dissemination by means of transmission, distribution or making available in any other form; or<\/li>
                                                • merging, linking, as well as restriction, degradation, erasure or destruction of information;<\/li><\/ul>
                                                  1. <\/b>Type of information processed<\/b><\/strong><\/li><\/ol>

                                                    4.1\u00a0Qwik\u00a0Finance\u00a0may collect and process the following types of information:<\/p>

                                                    • Company details, including registration number, contact details, VAT numbers, directors\u2019 details<\/li>
                                                    • Bank statements<\/li>
                                                    • Payslips<\/li>
                                                    • Name and surname<\/li>
                                                    • Identity number (date of birth)<\/li>
                                                    • Gender<\/li>
                                                    • Contact details, including email address, telephone numbers, address<\/li>
                                                    • Credit reports<\/li>
                                                    • Employment information<\/li>
                                                    • Client payment reports<\/li>
                                                    • Employee data, including salary, disciplinary records, banking details, medical information, account numbers, tax information<\/li>
                                                    • Settlement letters\/invoices from creditors or suppliers<\/li><\/ul>
                                                      1. <\/b>Lawful processing<\/b><\/strong><\/li><\/ol>

                                                        Qwik\u00a0Finance\u00a0undertakes to comply with the 8 conditions for the lawful processing of personal information:<\/p>

                                                        5.1\u00a0Accountability<\/b><\/strong><\/p>

                                                        Qwik\u00a0Finance\u00a0takes responsibility and remains accountable for personal information in our possession and processed by us. Qwik\u00a0Finance\u00a0will ensure that the conditions for lawful processing are given effect to and complied with.<\/p>

                                                        5.2\u00a0Processing limitation<\/b><\/strong><\/p>

                                                        5.2.1\u00a0Qwik\u00a0Finance\u00a0undertakes to process personal information-<\/p>

                                                        • Lawfully;<\/li>
                                                        • In a reasonable manner that does not infringe the privacy of the data subject;<\/li>
                                                        • In a manner that is adequate, relevant and not excessive.<\/li><\/ul>

                                                          5.2.2\u00a0Personal information will only be processed if-<\/p>

                                                          • the data subject or a competent person, where the data subject is a child, consents thereto;<\/li>
                                                          • processing is necessary to carry out actions for the conclusion or performance of a contract to which the data subject is party;<\/li>
                                                          • processing complies with an obligation imposed by law;<\/li>
                                                          • processing protects a legitimate interest of the data subject;<\/li>
                                                          • processing is necessary for the proper performance of a public law duty by a public body; or<\/li>
                                                          • processing is necessary for pursuing the legitimate interests of the responsible party or of a third party to whom the information is supplied.<\/li><\/ul>

                                                            5.2.3\u00a0Personal information will be collected directly from the data subject, unless<\/p>

                                                            • the information is contained in or derived from a public record or has deliberately been made public by the data subject;<\/li>
                                                            • the data subject or a competent person, where the data subject is a child, has consented to the collection of the information from another source;<\/li>
                                                            • collection of the information from another source would not prejudice a legitimate interest of the data subject;<\/li>
                                                            • collection of the information from another source is necessary;<\/li>
                                                            • to avoid prejudice to the maintenance of the law by any public body;<\/li>
                                                            • to comply with an obligation imposed by law or to enforce legislation;<\/li>
                                                            • for the conduct of proceedings, in any court or tribunal, that have commenced or are reasonably contemplated;<\/li>
                                                            • in the interests of national security; or<\/li>
                                                            • to maintain the legitimate interests of the responsible party or of a third party to whom the information is supplied;<\/li>
                                                            • compliance would prejudice a lawful purpose of the collection; or<\/li>
                                                            • compliance is not reasonably practicable in the circumstances of the particular case.<\/li><\/ul>

                                                              5.3\u00a0Purpose specification<\/b><\/strong><\/p>

                                                              5.3.1\u00a0Qwik\u00a0Finance\u00a0will collect personal information for the following and related purposes:<\/p>

                                                              • Affordability check<\/li>
                                                              • Fraud check<\/li>
                                                              • Credit qualification and risk<\/li>
                                                              • Delivering of Services<\/li>
                                                              • Complying with contracts<\/li>
                                                              • Confirmation of employment<\/li>
                                                              • Debt collection, including tracing in the event of default on payment<\/li>
                                                              • Invoice and Quoting purposes<\/li>
                                                              • Compliance with legislation<\/li>
                                                              • Vetting of employees<\/li>
                                                              • Communication with clients and suppliers<\/li><\/ul>

                                                                5.3.2\u00a0Once personal information, processed and stored by Qwik\u00a0Finance, has reached its expiry date or becomes in any way redundant, Qwik\u00a0Finance\u00a0will destroy or delete the record of personal information in a manner that prevents its reconstruction in an intelligible form.<\/p>

                                                                5.4\u00a0Further processing limitation<\/b><\/strong><\/p>

                                                                Qwik\u00a0Finance\u00a0undertakes to carry out any further processing of personal information in accordance or compatible with the purpose for which it was collected originally.<\/p>

                                                                5.5\u00a0Information quality<\/b><\/strong><\/p>

                                                                Qwik\u00a0Finance\u00a0will take reasonably practicable steps to ensure that the personal information is complete, accurate, not misleading and updated where necessary.<\/p>

                                                                5.6\u00a0Openness<\/b><\/strong><\/p>

                                                                5.6.1\u00a0Qwik\u00a0Finance\u00a0will maintain the documentation of all processing operations under its responsibility.<\/p>

                                                                5.6.2\u00a0If personal information is collected, Qwik\u00a0Finance\u00a0will take reasonably practicable steps to ensure that the data subject is aware of-<\/p>

                                                                • the information being collected or the source from which it is collected;<\/li>
                                                                • the name and address of the responsible party;<\/li>
                                                                • the purpose for which the information is being collected;<\/li>
                                                                • whether or not the supply of the information by that data subject is voluntary or mandatory;<\/li>
                                                                • the consequences of failure to provide the information;<\/li>
                                                                • any particular law authorising or requiring the collection of the information;<\/li>
                                                                • the fact that, where applicable, the responsible party intends to transfer the information to a third country or international organisation and the level of protection afforded to the information by that third country or international organisation;<\/li>
                                                                • any further relevant information<\/li><\/ul>

                                                                  5.7\u00a0Security safeguards<\/b><\/strong><\/p>

                                                                  5.7.1\u00a0Qwik\u00a0Finance\u00a0undertakes to secure the integrity and confidentiality of personal information in its possession or under its control. This is done by taking appropriate, reasonable technical and organisational measures to prevent loss of, damage to or unauthorised destruction of personal information; and unlawful access to or processing of personal information.<\/p>

                                                                  5.7.2\u00a0Where there are reasonable grounds to believe that the personal information of a data subject has been accessed or acquired by any unauthorised person, Qwik\u00a0Finance\u00a0will notify, as soon as reasonably possible after the discovery of the compromise;<\/p>

                                                                  • the Regulator; and<\/li>
                                                                  • the data subject, unless the identity of such data subject cannot be established.<\/li><\/ul>

                                                                    5.7.3\u00a0Qwik\u00a0Finance\u00a0has put in place the following adequate safeguards to secure the integrity and confidentiality of personal information:<\/p>

                                                                    • Physical access security to the building<\/li>
                                                                    • Password protection on Loan Management systems<\/li>
                                                                    • Password protection on all computer logins<\/li>
                                                                    • Anti-virus on all computers<\/li>
                                                                    • Firewalls<\/li><\/ul>

                                                                      5.8\u00a0Retention and destruction of data<\/b><\/strong><\/p>

                                                                      5.8.1\u00a0Qwik\u00a0Finance\u00a0undertakes to ensure that the retention, storage and destruction of data is in line with the requirements of the POPI Act as well as best practices \u2013 the specifics of which will be outlined in a separate Data Retention Policy.<\/p>

                                                                      5.8.2\u00a0The Data Retention Policy will address how employees may obtain, create (for example unique identifiers), store, transmit, protect and destroy or delete Personal Information.<\/p>

                                                                      5.8.3\u00a0Qwik\u00a0Finance\u00a0will identify what Personal Information should be collected, where to store it and how to keep it secure. Retention periods will be assigned to the Personal Information when it is collected specifically with regard to those periods prescribed by FICA and FAIS legislation require and also how it will be destroyed.<\/p>

                                                                      5.8.4\u00a0Qwik\u00a0Finance\u00a0will ensure that records that are captured, kept and maintained are only those which are relevent to purpose and are only for the length of time for which they are required. These records will be kept up to date and only used for the purpose for which they were gathered.<\/p>

                                                                      5.8.5\u00a0Qwik\u00a0Finance\u00a0will take adequate measures to secure the retention and destruction of physical Personal Information records. Storage and deletion of electronic records will be handled in terms of the procedures specified in the Data Retention Policy to reduce the chances of data breaches taking place.<\/p>

                                                                      5.8.6\u00a0Personal information will only be retained for as long as necessary for the purpose it was collected and in line with regulations governing the duration information should be kept.<\/p>

                                                                      5.8.7\u00a0Qwik\u00a0Finance\u00a0will destroy Personal Information as soon as reasonably possible after any legal justification to retain it in compliance with Section 14.<\/p>

                                                                      5.8.8\u00a0Qwik\u00a0Finance\u00a0will retain and store Personal Information where required or authorised to do so, by law. Qwik\u00a0Finance\u00a0will also retain Personal Information where it reasonably needs to for lawful purposes related to its functions or activities, such as contracts with clients that specify the terms of service or product offering.<\/p>

                                                                      5.8.9\u00a0Where a contract between Qwik\u00a0Finance\u00a0and other parties require retaining a record, the contract must specify the retention requirement and applicable time periods.<\/p>

                                                                      5.8.10\u00a0If the data subject consents to the retention, consent must be voluntary, specific and informed; it must never be assumed. To be able to make an informed decision, the data subject will be informed why retention is required and for how long.<\/p>

                                                                      5.8.11\u00a0Qwik\u00a0Finance\u00a0may reasonably retain records for historical, statistical or research purposes.<\/p>

                                                                      5.8.12\u00a0Safeguards will be put in place to prevent the records from being used for any other purpose. Where possible, Qwik\u00a0Finance\u00a0will \u2018de-identify\u2019 the Personal Information. This entails destroying any information that:<\/p>

                                                                      • identifies the data subject;<\/li>
                                                                      • can be used or manipulated by a reasonably foreseeable method to identify the data subject; or<\/li>
                                                                      • can be linked by a reasonably foreseeable method to other information that identifies the data subject.<\/li><\/ul>

                                                                        5.8.13\u00a0Where Personal Information is used to make a decision about a data subject, such as, if the data subject qualifies for a particular product this Personal Information must be retained for any period required or prescribed by law or a code of conduct. Where no period is prescribed, Qwik\u00a0Finance\u00a0will retain it for a period that will afford the data subject a reasonable opportunity to request access to the record, taking into account the intended use of the Personal Information.<\/p>

                                                                        5.8.14\u00a0Physical records containing Personal Information will be destroyed by means of shredding via a 3rd Party service.<\/p>

                                                                        5.8.15\u00a0Digital or electronic records, will be fully deleted and not accessible in a deleted items folder. Electronic Personal Information stored in a cloud or back-up will all be deleted or de-identified when they are no longer required to be retained. Access to Personal Information on servers or back-ups will be conservatively and responsibly managed.<\/p>

                                                                        5.9\u00a0Data subject participation<\/b><\/strong><\/p>

                                                                        If you have any questions or concerns regarding this policy, your personal information held by Qwik\u00a0Finance, the correction or deletion of personal information or updating your personal information held by Qwik\u00a0Finance, you should contact Qwik\u00a0Finance\u00a0by sending an email to the information officer, Chantal, at chantal@smitcompliance.com or the compliance department at compliance@Qwikfinance.co.za.<\/p>

                                                                        1. <\/b>Collection of information<\/b><\/strong><\/li><\/ol>

                                                                          Qwik\u00a0Finance\u00a0collects personal information in the following manners:<\/p>

                                                                          • Voluntary disclosure via multiple sources<\/li>
                                                                          • Telephonically<\/li>
                                                                          • Website forms<\/li>
                                                                          • Credit bureau systems<\/li>
                                                                          • Email<\/li>
                                                                          • Agents and brokers<\/li>
                                                                          • Credit applications<\/li>
                                                                          • Supplier applications<\/li><\/ul>
                                                                            1. <\/b>Disclosure of information<\/b><\/strong><\/li><\/ol>

                                                                              Where applicable, we may disclose your personal information to our service providers and partners who are involved in the delivery of products or services to you. We will ensure that they have taken reasonably practicable steps to comply with and process personal information in accordance with POPI.<\/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":"

                                                                              Privacy Policy .\u00a0Introduction Qwik Finance & Loan (Pty) Ltd (\u201cQwik Finance\u201d) is a financial service provider and national credit provider, whose primary business is that of a micro financier to personal clients. 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