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What to consider regarding funding your child’s tertiary education

By Zuko Komisa With the announcement of the 2022 matric results, there are parents across the country who are scrambling to find ways to fund their children's education. Over the years the price of education has been fast growing both locally and internationally. Students who have completed high school are applying to tertiary institutions, which aren't expanding quickly enough to accept everyone who applies. Many parents are choosing extra tutoring […]

today23/01/2023

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Kaya Biz

Happ-e-tax app, a local app that helps with your taxes and much more

By Zuko Komisa Happ-e-tax app, a local app that helps with your taxes and much more. With the stress and frustration that arises during tax season, with many citizens looking for reliable information on compliance, a South Africa app has been designed to make tax legislation easily accessible. The app, created by local tax expert Herschel Alpert, is viewed as being extremely useful by businesses, accountants, attorneys, and even students […]

today23/01/2023

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Going into business with a friend? How you should prepare yourself legally?

By Zuko Komisa Going into business with a friend? How you should prepare yourself legally? You've probably been thinking about it, and are convinced that you want to start a new business with your close friend. Although it can be profitable and enjoyable, working with friends can also come with its share of roadblocks. Also Read: Cici is kickstarting the year with a new german whip Kaya Biz with Gugulethu […]

today20/01/2023

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Usain Bolt loses R 218 million in investments with a Jamaican investment firm

By Zuko Komisa Usain Bolt loses R 218 million in investments in his account with a Jamaican investment firm. Usain Bolt's attorneys claim that almost all of the money from an account with a private investment firm is missing. Bolt holds the world record for the 100-meter sprint. Bolt's account purportedly once contained $12.8 million but is now only worth $12,000 today. The Associated Press reported on Wednesday that Bolt […]

today19/01/2023

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Important things to know if your final will and testament is with a bank

By Zuko Komisa Important things to know if your final will and testament is with a bank. Your final will and testament is one of the most important documents you should have, especially if you are amassing assets, and have a family that relies on you. A will ensures that your property and belongings are distributed to the people you wish to receive them. The execution of your preferences regarding […]

today11/01/2023

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Kaya Biz

Year-end fatigue: let’s rethink resilience, aim for antifragility

By Zuko Komisa Year-end fatigue: let’s rethink resilience, aim for antifragility. Every year, as the year comes to an end, a lot of individuals start to wish it was already over. This is due to the fact that a lot can change in a year, including changes to your profession, social life, family, and other aspects. This whole list could end up being too much to handle. Then, to unwind […]

today09/12/2022

Markus Jooste
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Kaya Biz

5-year anniversary of the Steinhoff scandal

By Zuko Komisa It has been 5 years since the world learned about the Steinhoff scandal, which has been described as the biggest corporate fraud case in South Africa’s history. The Steinhoff scandal represents the largest instance of corporate fraud in South Africa's history. Markus Jooste abruptly left his position as CEO of Steinhoff on December 5, 2017, while the company was being investigated for financial problems. Also Read: ATM […]

today08/12/2022

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Kaya Biz

The meaning of debt to income ratio and why is it important

By Zuko Komisa When it comes to managing your finances, understanding how much debt you should be taking is very important. If you are planning on getting into debt this festive season, there is a useful indicator to see if you are on the right track, and it is called your debt-to-income ratio (DTI) This is a ratio you get when you divide all of your monthly debt payments by […]

today06/12/2022

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Understanding financial abuse and how to get out of it

By Zuko Komisa The are many forms of abuse that people experience, especially in relationships and financial abuse is one of them. Verbal and physical assault are probably the first things that come to mind when most people think about domestic violence. However, evidence demonstrates that financial abuse occurs in unstable relationships just as frequently as other types of violence. Also Read: SA has imposed a six-month ban on the […]

today02/12/2022

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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 Act – To 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 1, Part A of Chapter 5, section 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]