PAIA Manual

The Promotion of Access to Information Act gives effect to the constitutional right of access to information. This manual sets out the categories of records held by Threerae and the procedure for requesting access to them. The full signed manual is available on request.

Information Officer

Requests under PAIA must be directed to Threerae's Information Officer. Contact details, together with our company registration number, are available on request using the details at the foot of this page. The Information Officer is responsible for deciding requests for access and for compliance with PAIA and POPIA.

Guide Published By The Information Regulator

The Information Regulator has published a guide on how to use PAIA. It is available from the Information Regulator of South Africa and explains the rights PAIA creates and how to exercise them. We will direct you to it on request.

Records Automatically Available

The following information is published on this website and requires no PAIA request: descriptions of our products and services, our privacy policy, our anti-money-laundering policy, our code of ethics and our contact details.

Categories Of Records We Hold

Records in the categories below are held subject to the grounds for refusal set out in Chapter 4 of PAIA. Listing a category does not mean every record within it is accessible.

• Company and statutory records — founding documents, registration records, statutory registers and minutes
• Regulatory records — National Credit Regulator registration and reporting, FIC Act compliance records
• Client records — applications, credit agreements, affordability assessments, account and repayment records
• Financial records — accounting records, financial statements, tax records and banking records
• Employee records — employment contracts, payroll, personnel and disciplinary records
• Operational records — policies, procedures, internal manuals and system records
• Commercial records — supplier and partner agreements, mandates, quotations and correspondence
• Project records — environmental rehabilitation site assessments, specifications and completion records
• Marketing records — website content, published material and enquiry records

Records Held In Terms Of Other Legislation

Threerae holds records in terms of, among others, the National Credit Act 34 of 2005, the Financial Intelligence Centre Act 38 of 2001, the Companies Act 71 of 2008, the Protection of Personal Information Act 4 of 2013, the Income Tax Act, the Value-Added Tax Act, the Basic Conditions of Employment Act, the Labour Relations Act and the Unemployment Insurance Act.

How To Request Access

• Complete the prescribed PAIA request form and submit it to the Information Officer using the contact details at the foot of this page
• Provide sufficient detail to identify the record requested, the form of access required and your contact details
• Identify the right you are seeking to exercise or protect, and explain why the record is required for that purpose
• Pay the prescribed request fee where one applies. An access fee may also be payable for the time and materials involved in preparing the record
• Expect a decision within 30 days of receipt of a compliant request. This period may be extended in the circumstances PAIA allows, and you will be notified if it is

Grounds For Refusal

Access may be refused on the grounds set out in Chapter 4 of PAIA — including the mandatory protection of the privacy of a third party who is a natural person, the protection of commercial information of a third party or of Threerae, information supplied in confidence, and records privileged from production in legal proceedings. Where a request is refused you will be given written reasons and informed of your right to approach the Information Regulator or a court.

Remedies

If your request is refused, or you are dissatisfied with the decision or the fee charged, you may lodge a complaint with the Information Regulator of South Africa or apply to a court for appropriate relief.