RandCash

PAIA Manual

Promotion of Access to Information Act 2 of 2000

This manual is published in terms of Section 51 of the Promotion of Access to Information Act 2 of 2000 ("PAIA") and Section 18 of the Protection of Personal Information Act 4 of 2013 ("POPIA").

1. Details of the Private Body

2. Information Officer

3. Deputy Information Officer

4. Guide on How to Use PAIA

The South African Human Rights Commission (SAHRC) has compiled a guide on how to use PAIA. This guide is available from the SAHRC:

5. Categories of Records Available Without a Request

The following records are freely available on our website without the need to submit a formal PAIA request:

  • Information about our loan products and services
  • Interest rates and fee structures
  • Terms and Conditions
  • Privacy Policy
  • This PAIA Manual
  • Complaints procedure
  • Contact information

6. Categories of Records Held by RandCash

RandCash holds records in the following categories:

6.1 Company Records

  • Memorandum of Incorporation and company registration documents
  • Minutes of board and shareholder meetings
  • Regulatory compliance documents

6.2 Financial Records

  • Annual financial statements
  • Tax records and returns
  • Banking records

6.3 Human Resources Records

  • Employee contracts and records
  • Payroll records
  • Skills development records

6.4 Client Records

  • Loan enquiries and referral records
  • Lender matching and correspondence records
  • Payment records
  • Correspondence and communication records

6.5 Operational Records

  • Policies and procedures
  • Compliance records
  • IT and information security records

7. Request Procedure

To request access to records held by RandCash, you must:

  1. Complete the prescribed PAIA request form (available from the SAHRC or the Department of Justice).
  2. Submit the completed form to our Information Officer at [email protected].
  3. Pay the prescribed request fee (if applicable).
  4. Provide sufficient detail to identify the records you are requesting.
  5. Indicate the form in which you wish to receive the records.

We will respond to your request within 30 days, as required by PAIA. This period may be extended by a further 30 days if the request requires a search through a large number of records or consultation with another body.

8. Grounds for Refusal of Access

Access to records may be refused on the following grounds, as set out in PAIA:

  • Protection of personal information of a third party (Section 63)
  • Protection of commercial information of a third party (Section 64)
  • Protection of the safety of individuals (Section 66)
  • Records privileged from production in legal proceedings (Section 67)
  • Commercial information of the private body (Section 68)
  • Research information (Section 69)

9. Processing of Personal Information (POPIA)

In terms of Section 18 of POPIA, we process personal information for the purpose of providing financial services, conducting credit assessments, managing loan accounts, and complying with legal obligations.

For more information, please refer to our Privacy Policy.

10. Fees

The fees for PAIA requests are prescribed by regulation and include:

  • A request fee (currently R50)
  • An access fee for reproduction of records (fees vary depending on the format requested)

11. Remedies

If your request for access is refused, you may lodge a complaint with the Information Regulator or apply to a court for relief:

12. Availability of This Manual

This manual is available: