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cancel gym contract

Kaya Biz

Why do gyms make it difficult to cancel membership?

By: Natasha Archary Image: Adobe Stock Why do gyms make it so difficult to cancel your membership? Trudie Broekmann, Consumer Law Expert joins Refilwe Moloto on Kaya Biz to give some insight into why signing up to a gym in January is so easy but try cancelling the membership and it feels nearly impossible. "Trying to get out of a gym membership is almost as difficult as trying to get […]

today19/09/2024

NHI will work

Kaya Biz

Health practitioners still need more clarity on NHI

By: Natasha Archary Image: Adobe Stock Health practitioners still need more clarity on how the National Health Insurance (NHI) will work. Dr Mvuyisi Mzukwa, Chairperson of the South African Medical Association (SAMA) joins Refilwe Moloto on Kaya Biz to understand where they stand on the matter. Since President Cyril Ramaphosa signed the NHI Bill into law on 15 May, there has been public outcry from unions, the private healthcare sector […]

today17/09/2024

corporates don't apologise

Kaya Biz

Why corporates find it hard to apologize?

By: Natasha Archary Image: Adobe Stock Following reactions on social media after a woman found a rat baked into a loaf of bread she had purchased, Refilwe Moloto decided to gain more insight into why corporate companies find it difficult to apologize. Tshepo Matseba, Managing Director of Reputation 1st joins Refilwe in discussion, taking a closer look at an increasing trend in the corporate landscape, where companies are reluctant to […]

today12/09/2024

livestock good investment

Kaya Biz

Investing in cattle as a diversification strategy

By: Natasha Archary Image: Harry Grout Unsplash Imagine owning a profitable farm business and farm from the comfort of your home. The concept of crowd-farming is slowly gaining traction with many growing their wealth through innovative, yet traditional means. Ayanda Majola and Kagiso Tloubatla, Co-founders of SV Capital join Refilwe Moloto on Kaya Biz to talk about why investing in cattle as a diversification strategy is taking off. If the […]

today11/09/2024

Chinese vehicles

Kaya Biz

Increasing popularity of Chinese vehicles in SA

By: Natasha Archary Image: Adobe Stock Chinese car brands are experiencing a surge in popularity across South Africa, defying market challenges. While the first quarter of 2024 showed new vehicle sales in the country declined by 5.6% compared to the same period in 2023, the number of Chinese cars financed by Standard Bank Vehicle Finance has consistently shown an increase year-on-year. Brandon Cohen, Chairperson of the National Automobile Dealers Association […]

today10/09/2024

loaf of bread for 99c

Kaya Biz

A loaf of bread for 99c? Yes, with FNB eBucks & PnP

By: Natasha Archary Image: Adobe Stock A loaf of bread for 99c? Yes, with FNB eBucks & Pick n Pay. Zamabomvu Ngubane, Head of eBucks Rewards joins Refilwe Moloto on Kaya Biz to share more information on how South Africans can take advantage of this incredible saving offer. The initiative first kicked off in July with a voucher system that allowed FNB customers to swipe for their bread purchase and […]

today06/09/2024

two-pot retirement will cost you

Kaya Biz

SARS received almost 2,500 two-pot withdrawals on Day 1

By: Natasha Archary Image: Adobe Stock On the first day that the two-pot retirement system came into play, there were just under 2,500 withdrawal requests. The South African Revenue Service (SARS) has already processed 2,424 tax directives, the amount of which totalled R103 million from retirement funds and delivering R6.7 million of tax to the fiscus. Siphithi Sibeko, SARS spokesperson joins Refilwe Moloto on Kaya Biz to talk about how […]

today05/09/2024

discuss the F-word differently

Kaya Biz

Do men and women discuss the “F-word” differently?

By: Natasha Archary Image: Adobe Stock Do men and women discuss the "F-word" differently? The F-word on Kaya Biz is, you guessed it, financially related topics. Sam Beckbessinger, Personal Finance Author joins Refilwe Moloto on Kaya Biz to share insight into Sanlam's recent research about money matters between the genders. It turns out that men and women do talk about money differently, and there are stark differences in how this […]

today03/09/2024

Refilwe Moloto

Kaya Biz

Your Biz matters are safe in the hands of Refilwe Moloto

By: Natasha Archary With Gugulethu Mfuphi jetting off to the US for 2-months, rest assured your Kaya Biz matters are in the safe hands of Economic and Strategic Advisor, Refilwe Moloto. With 20 years of experience in Emerging & Frontier Markets economics, fixed income research and global asset management Moloto, a coastal girl by birth and heart, is looking forward to this stint to enjoy the springtime sunsets of the […]

today02/09/2024

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Privacy Policy

THIS PRIVACY STATEMENT FORMS PART OF KAYA 959’S TERMS OF USE POLICY. IF YOU DO NOT AGREE WITH ANY TERM OF THIS PRIVACY STATEMENT, YOU MUST CEASE YOUR ACCESS OF THIS WEBSITE IMMEDIATELY. 

POPIA ActTo promote the protection of personal information processed by public and private bodies; to introduce certain conditions so as to establish minimum requirements for the processing of personal information; to provide for the establishment of an Information Regulator to exercise certain powers and to perform certain duties and functions in terms of this Act and the Promotion of Access to Information Act, 2000; to provide for the issuing of codes of conduct; to provide for the rights of persons regarding unsolicited electronic communications and automated decision making; to regulate the flow of personal information across the borders of the Republic; and to provide for matters connected therewith.

RECOGNISING THAT—

  • section 14 of the Constitution of the Republic of South Africa, 1996, provides that everyone has the right to privacy;
  • the right to privacy includes a right to protection against the unlawful collection, retention, dissemination and use of personal information;
  • the State must respect, protect, promote and fulfil the rights in the Bill of Rights;

AND BEARING IN MIND THAT—

  • consonant with the constitutional values of democracy and openness, the need for economic and social progress, within the framework of the information society, requires the removal of unnecessary impediments to the free flow of information, including personal information;

AND IN ORDER TO—

  • regulate, in harmony with international standards, the processing of personal information by public and private bodies in a manner that gives effect to the right to privacy subject to justifiable limitations that are aimed at protecting other rights and important interests,
  1. Definitions and Interpretation

1.1.“Personal Information” means information relating to an identifiable, living, natural person and where it is applicable, identifiable, existing juristic person, including all information as defined in the Protection of Personal Information Act 4 of 2013. 

1.2  Parliament assented to POPIA on 19 November 2013. The commencement date of section 1Part A of Chapter 5section 112 and section 113 was 11 April 2014. The commencement date of the other sections was 1 July 2020 (with the exception of section 110 and 114(4). The President of South Africa has proclaimed the POPI commencement date to be 1 July 2020.

 
1.3. “Processing” means the creation, generation, communication, storage, destruction of personal information as more fully defined in the Protection of Personal Information Act 4 of 2013.  

1.4. “You” or the “user” means any person who accesses and browses this website for any purpose. 

1.4. “Website” means the website of the KAYA 959 at URL www.kaya959.co.za or such other URL as KAYA 959 may choose from time to time.   

  1. Status and Amendments

2.1. KAYA 959 respects your privacy. This privacy policy statement sets out KAYA 959’s information gathering and dissemination practices in respect of the Website. 

2.2. This Privacy Policy governs the processing of personal information provided to KAYA 959 through your use of the Website. 

2.3. Please note that, due to legal and other developments, KAYA 959 may amend these terms and conditions from time to time.  

  1. Processing of Personal Information

3.1. By providing your personal information to KAYA 959 you acknowledge that it has been collected directly from you and consent to its processing by KAYA 959. 

3.2. Where you submit Personal Information (such as name, address, telephone number and email address) via the website (e.g. through completing any online form) the following principles are observed in the processing of that information: 

3.2.1. KAYA 959 will only collect personal information for a purpose consistent with the purpose for which it is required. The specific purpose for which information is 
collected will be apparent from the context in which it is requested. 

3.2.2. KAYA 959 will only process personal information in a manner that is adequate, relevant and not excessive in the context of the purpose for which it is processed. 

3.2.3. Personal information will only be processed for a purpose compatible with that for which it was collected, unless you have agreed to an alternative purpose in writing or KAYA 959 is permitted in terms of national legislation of general application dealing primarily with the protection of personal information. 

3.2.4. KAYA 959 will keep records of all personal Information collected and the specific purpose for which it was collected for a period of 1 (one) year from the date on which it was last used. 

3.2.5. KAYA 959 will not disclose any personal information relating to you to any third party unless your prior written agreement is obtained or KAYA 959 is required to do so by law. 

3.2.6. If personal information is released with your consent KAYA 959 will retain a record of the information released, the third party to which it was released, the reason for the release and the date of release, for a period of 1 (one) year from the date on which it was last used. 

3.2.7. KAYA 959 will destroy or delete any personal information that is no longer needed by KAYA 959 for the purpose it was initially collected, or subsequently processed. 

3.3. Note that, as permitted by the Electronic Communications and Transactions Act 25 of 2002, KAYA 959 may use personal information collected to compile profiles for statistical purposes. No information contained in the profiles or statistics will be able to be linked to any specific user.    

  1. Collection of anonymous data

4.1. KAYA 959 may use standard technology to collect information about the use of this website. This technology is not able to identify individual users but simply allows KAYA 959 to collect statistics. 

4.2. KAYA 959 may utilise temporary or session cookies to keep track of users’ browsing habits. A cookie is a small file that is placed on your hard drive in order to keep a record of your interaction with this website and facilitate user convenience. 

4.2.1. Cookies by themselves will not be used to identify users personally but may be used to compile identified statistics relating to use of services offered or to provide KAYA 959 with feedback on the performance of this website. 

4.2.2. The following classes of information may be collected in respect of users who have enabled cookies: 

4.2.2.1. The browser software used; 

4.2.2.2. IP address; 

4.2.2.3. Date and time of activities while visiting the website; 

4.2.2.4. URLs of internal pages visited; and 

4.2.2.5. referrers. 

4.3. If you do not wish cookies to be employed to customize your interaction with this website it is possible to alter the manner in which your browser handles cookies. Please note that, if this is done, certain services on this website may not be available. 

  1. Security

5.1. KAYA 959 takes reasonable measures to ensure the security and integrity of information submitted to or collected by this website, but cannot under any circumstances be held liable for any loss or other damage sustained by you as a result of unlawful access to or dissemination of any personal information by a third party. 

  1. Links to other websites

6.1. KAYA 959 has no control over and accepts no responsibility for the privacy practices of any third party websites to which hyperlinks may have been provided and KAYA 959 strongly recommends that you review the privacy policy of any website you visit before using it further. 

  1. Queries

7.1. If you have any queries about this privacy policy please contact us by emailing [email protected]