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Why is ‘Ke Kopa Favour’ so expensive

The costs involved with 'Ke Kopa Favour' asking for help from another person is the cost incurred by the helper in rendering the favour. This cost may include being interrupted, imposed upon, or otherwise inconvenienced. There is no easy way of asking for a favour, but we all do it because from time to time, we all need help. We also can't deny that asking for favours can be costly […]

today08/04/2021

Tightening your budgeting ahead of the festive season.

LIFESTYLE

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 […]

today10/12/2020

LIFESTYLE

Understanding livestock wealth growth through a crowd-farming platform

By Zuko Komisa 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 Afropolitans who wish to grow their wealth through innovative, yet traditional means. Gugulethu Mfuphi recently spoke to serial entrepreneur Ntuthuko Shezi, who developed Livestock Wealth. An easy-to-understand crowd-farming platform which offers people with no access to land, time and skills the opportunity to […]

today27/03/2019

negotiating your salary, how to ask for a raise, how to ask your employer for more money,

LIFESTYLE

What to know when negotiating your salary

By Nomali Cele Knowing the compensation you want and how to ask for it is a skill all its own and, at last check, there wasn't a class at school dedicated to teaching you all about negotiating your salary. You have calculated your education, experience and expertise and feel you know your worth but how do you get a prospective employer on the same page with you? What do you […]

today06/03/2019

BUSINESS

Franchising – all you need to know about the South African sector

By Zuko Komisa Buying a franchise requires an understanding that the franchises are a business and every business is there to make a profit.  You just have to maneuver your way around that reality. According to 2017 Franchise Association of South Africa (FASA) research, South Africa has 845 franchise systems which together contributed R587 billion or 13.3% to the country’s overall GDP. That is a staggering amount, the largest part […]

today19/10/2018

debt counselling, debt counselling in south africa, financial literacy and debt counselling

LIFESTYLE

Understanding debt and financial literacy

By Scelo Hlophe The year 2018 came as a huge knockdown for a lot of South African consumers. The increase of VAT to 15% and the rapid increase of petrol has left consumers feeling the financial pinch. This has led to South African consumers finding themselves using their credit cards, personal loans and other credit facilities. The average South African finds themselves paying plus minus 80% of their salary to […]

today20/08/2018

PRESS OFFICE

How to be debt free by the time you retire

By Motlagae Konyana   Most South Africans don't know how much time is left before they retire and don't have a financial plan in place to settle debts and start investing. Unfortunately, the majority of income earners will have to seriously downgrade their lifestyles when there is no regular income. It is advisable that you should clear your all your debt by the time you are 45. This allows enough […]

today14/05/2018

LIFESTYLE

Learning to Co-Parent with your ex

By Motlagae Konyana Parenting is challenging but it is even more difficult when the parents are no longer romantically involved and don’t get along. Many parents say that co-parenting can be hard, heartbreaking, filled with disapointments among other things that lead to the breakup.  But for the sake and well-being of the child, parents are forced to put their differences aside and parent the child. Co-parenting requires re-organising the family […]

today04/04/2018

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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]