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paying for streaming services

Kaya Biz

How much are South Africans paying for streaming services?

By: Natasha Archary Image: Adobe Stock Ashley Saffy, Business Development Head at FNB Card joins Gugulethu Mfuphi on Kaya Biz to share insight into how much South Africans are paying for streaming services. A year ago South Africans were forking out R119 million a month on streaming services which include Apple iTunes, Spotify, Google Music, Amazon Prime, Netflix, Showmax, YouTube, Disney + and Deezer. This amount has increased significantly since […]



FNB Money Management Series

We all wish to understand our money better. What if we told you that it’s not as hard as we are made to believe? The Money Management series with FNB is the platform where we talk about your money journey and help you manage your money better and wiser. Make sure you don’t miss it, every Monday on Feel Good with Andy Maqondwana, between 12 and 3pm. Catch up on […]


Kaya Biz

FNB has confirmed that R3 billion was spent by its clients on Black Friday specials

By Zuko Komisa FNB has confirmed that R3 billion was spent by its clients on Black Friday specials. According to FNB, almost R3 billion was spent by its clients on Black Friday last week, the most in the previous four years. According to the bank, over R2.4 billion was spent in-store, up 18% from the prior year, and over R670 million was spent online, up 31%. Kaya Biz with Gugulethu […]


Kaya Biz

FNB launches R200m Vumela fund to grow small businesses

By Zuko Komisa FNB has launched a R200m Vumela fund to grow small businesses. The fourth Vumela fund, worth R200 million and established on Tuesday by big four bank FNB, intends to provide alternative financing to 150 black-owned firms and generate 1 000 employment. The commercial banking division of FNB created the Vumela Enterprise Development Fund in 2009 in collaboration with the venture capital and private equity firm Edge Growth. […]



Kaya Biz: SA’s middle-income earners are spending their monthly salary in 5 days or less

Kaya 959 Reporter According to First National Bank (FNB), the average South African consumer spends up to 75% of their monthly earnings in the first five days of the month. The consumers in question, according to the bank, are middle-class income earners, who earn between R180 000 and R500 000 per year (about R15 000 to R42 000 per month). LISTEN TO THE FULL CONVERSATION HERE: In Q4:2021, the typical South African […]



SA’s favourite bank according to SA’s Customer Satisfaction Index

With many South Africans spoilt for choice when it comes to banking products, the big question is which bank is the preferred option across the country? Consulta’s Head of Customer Insights, Ineke Prinsloo recently joined Gugulethu Mfuphi to unpack the latest 2020 South African Customer Satisfaction Index for banking conducted by research group Consulta. Listen to the full conversation: Content hosted by The South African Customer Satisfaction Index (SA-csi) is […]



Springbok hit speedbump but fans stay behind them

By Mosibodi Whitehead. So far as the overall experience goes, little could have prepared me for my Japanese Odyssey. After a journey almost 30 hours long, having traveled half way around the world we finally found ourselves sitting front and centre at the Yokohama Stadium for South Africa’s opening match of the Rugby World Cup against New Zealand. Such is the rivalry between the two giants of rugby that their […]



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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]