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healthier relationship with money

Kaya Biz

Develop a better, healthier relationship with money in 2024

By: Natasha Archary Image: Adobe Stock Dr Frank Magwegwe, Executive for Financial Wellness and Advisory at Nedbank joins Gugulethu Mfuphi on Kaya Biz to share a few tips on how to develop a better, healthier relationship with money in 2024. Dr Mags shares his A,B,Cs on how to improve your financial goals, reminding listeners that wealth creation is a journey that needs to consistently be worked on. "Firstly, A stands […]


spend money wisely

Kaya Drive

Spend money wisely this festive season

By: Natasha Archary Image: Adobe Stock It's quarter-to-festive season, and this means that most people have started their Christmas shopping and spending money entertaining family and friends at home. Whether you're hosting people for lunches or dinners, planning activities and outings with your kids, or going out, each swipe of your card adds up, and if you don't track your festive spending, come January, you may find yourself stuck eating […]


Kaya Biz

What to consider when choosing the right financial planner

By Zuko Komisa What to consider when choosing the right financial planner. Your road to financial freedom requires you to have all the help you need, and getting the right help is a very important step you have to get right. Before even looking you need to choose which areas of your financial life require assistance before you talk with a financial counsellor. You should be prepared to discuss your […]


Kaya Biz

How to spring clean your finances

By Zuko Komisa With the first month of spring being September, which is usually a time to purge, revive, and revitalize isn't it time to do the same with your finances? This new season serves as a helpful reminder to assess your budget and make goals to ensure the health of your money. The consumer finance website has provided some useful advice to help you with this procedure and […]


Couples arguing/ Pexels


Four simple and powerful tips to help couples master their finances

By: Poelano Malema Money has been proven to be one of the top three reasons why couples divorce. Many people don’t see eye-to-eye when it comes to the handling of finances. This can cause strife in a marriage. But knowing the keys to dealing with finances in marriage is one of the best things you can do for your relationship. This is why marriage counsellors, Dr Didah Mokwena and his […]


Married couple/ Pexels


How finances affect your sex life

By: Poelano Malema Sexual intimacy is important in marriage - it can break or make it. “When you’re married, it is not just the love and affection that keeps the bond alive. A close sense of intimacy and togetherness is what is needed for your relationship to blossom and prosper. That being said, sex is one of the factors that can help you enhance the level of closeness and intimacy […]


Side hustle


4 tips to balance your side hustle and well being

By: Natasha Archary   Let’s face it, it’s not practical to have just one job during the pandemic and lockdown. This is why many people have a side hustle to bring in some extra cash. It's important to balance your side hustle and well being so you focus on your main source of income and don't drop the ball there. Working a regular nine to five means there’s little time […]


Bank card and money/ Pexels


Expert advice on how to take control of your finances

By: Lifestyle Reporter With the turmoil of 2020 behind us and a return to something approaching normal in the first quarter of 2021, now is a good time to take stock of your finances. Benay Sager, head of DebtBusters, South Africa’s leading and largest debt counsellor, says consecutive lockdowns affected most people’s finances. “Perhaps predictably, the consequences were most significant for people in consumer-facing industries such as retail, hospitality and […]


Tightening your budgeting ahead of the festive season.


4 ways to spend less during the holidays

By: Lifestyle Reporter   After a treacherous financial year, we've finally made it to December. That said, it's a time of the year were being frugal is allowed. We tend to get carried away with holiday spending, splurging on gifts, food and outings. Something to be mindful of is that, there are many families who are going through trying times with one or more family members having lost their jobs […]


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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]