Kaya Biz

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Kaya Biz

Should I own my primary residence in my name, trust, or company?

By Zuko Komisa With owning a house being one of the biggest purchases many will make, the ownership structure of their property is often a question many South Africans tend to ask. Kaya Biz with Gugulethu Mfuphi spoke to Adelaide Kekana – Founder and MD of Tax Co and Associates who gives context on which options work out the best when it comes to the ownership structure of your property. […]


debt relief for Joburg residents

Kaya Biz

City of Joburg says it rejects Eskom’s demand for a 38.1% tariff hike

By Zuko Komisa The City of Johannesburg has rejected Eskom's demand for a 38% rate increase. The request for a 38.1% increase in electricity rates from Eskom for the fiscal year 2023–2024 has been rejected, according to the Multi-Party Government in Johannesburg. “Whilst as a City we have full appreciation that Eskom must be financially viable, but this must not be achieved at the detriment of the residents of Johannesburg,” […]


Kaya Biz

How to make yourself traceable by retirement funds

By Zuko Komisa Retirement funds are attempting to connect former members and beneficiaries with billions in unclaimed retirement fund payouts, thus retirement fund actuaries are advising South Africans to make themselves traceable. Retirement accounts at the end of last year had unclaimed benefits worth R47.3 billion, according to the Financial Sector Conduct Authority (FSCA). Kaya Biz with Gugulethu Mfuphi spoke to Jeanine Astrup - Consulting actuary and member of the […]


Kaya Biz

SA Express airline has been liquidated

By Zuko Komisa SA Express has received a final liquidation order from the South Gauteng High Court. There was reportedly no resistance to the order being given. The provisional liquidators proposed full liquidation because they believed there was no chance the company could be saved. Since the airline entered provisional liquidation in April 2020 as a result of failed attempts to save the company, SA Express has been grounded. Over […]


Kaya Biz

How do you prove you were tricked into signing a contract?

By Zuko Komisa Contracts can sometimes be very tricky if you don't pay close attention to what you are signing. \ Every day, people engage in contracts without even realizing it—when we fill up our fuel tank, get insurance visit the hairdresser, get a gym membership, etc. In some instances people find themselves bound to a contract without fully agreeing to the terms and conditions. In those situations, how do […]


Kaya Biz

This digital platform is supplying proof of address for rural communities

By Zuko Komisa The key to any successful business is offering a solution to a societal problem. Many South African in rural parts of the country struggle to obtain proof of residence (proof of address) because they need a letter from a local tribal office or ward councillor. Addressdox by Tsholofelo Ramokoka from Rustenburg, North West is a digital platform that supplies people from rural communities with no formal address […]


Kaya Biz

Buy now pay later will be a R2 billion market by December

By Zuko Komisa Buy now pay later (BNPL), which is increasing by 10 to 15% per month and saw a 50% increase from the first to the second quarter of 2022, is a method of payment used by hundreds of thousands of South Africans.  The largest BNPL supplier in South Africa, Payflex, estimates that by the end of 2022, BNPL payments will likely total about R2 billion. Payflex has approximately […]


Kaya Biz

Uber Eats plans to have a ‘virtual mall’ with apparel on the app

By Zuko Komisa Uber Eats is rapidly developing into a virtual mall where customers may buy non-food goods that can be delivered in as little as 30 minutes. The app intends to offer clothes purchases on its platform, doing away with the customary days-long parcel delivery delay experienced by customers of traditional online fashion merchants. Uber Eats intends to have a total of 37 distribution sites spread out across the […]


Kaya Biz

Understanding the law when it comes to suicide and life insurance

By Zuko Komisa The South African Depression and Anxiety Group estimates that one in four South African employees may experience depression at some stage. Suicide is a devastating result of mental health issues frequently. What happens in the event a person dies of suicide and is there any life insurance paid out? Your life insurance provider's suicide exclusions and whatever rules they may have about life insurance may determine whether […]


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Privacy Policy


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.


  • 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;


  • 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;


  • 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 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: The browser software used; IP address; Date and time of activities while visiting the website; URLs of internal pages visited; and 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]