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Consumer Profile Bureau PAIA Manual
As required by Section 51 of the Promotion to Access of Information Act No 2 of 2000 (PAIA) Last updated: 28 March 2018
ACCESS TO INFORMATION MANUAL
1. Access to our information
This manual will help you get access to information we hold. We are required in terms of PAIA to make this manual available to you so you can see what type of information we have, as well as how you can request to get access to it.
2. Background Information
Consumer Profile Bureau (Pty) Ltd (CPB) is a registered Credit Bureau in terms of the National Credit Act No 34 of 2005, with registration number NCRCB2. CPB was established in 1981 and is the second oldest Credit Bureau in South Africa.
- 7 Aug 1981 Incorporation of S EN V BEMARKINGS (EIENDOMS) BEPERK
- 4 Jul 2001 Name changed to CONSUMER PROFILE BUREAU (PTY) LTD
- 1 March 2011 Current shareholders purchased business
CPB is a proudly South African Payment Profile Hosting Credit Bureau.
Our industry-leading, innovative, real-time solutions span from bespoke reporting and analytics, digital identification, paperless FICA and online data analytics. This is in addition to the standard credit bureau offerings such as tracing, credit verification and debtor profiling. We utilise our in-house, industry-transforming algorithms and matching tools (both on-line and through API integration) to leverage big data in every aspect of on-boarding and credit life cycle activities.
3. Our details
|Company name||Consumer Profile Bureau (Pty) Ltd|
|Physical Address||Turnberry Office Park, 48 Grosvenor Rd, Bryanston, Sandton, 2191|
|Postal Address||PO Box 491, Randburg, 2125|
|Telephone Number||010 590 9505|
|Fax Number||086 641 0010|
|General contact email address for the company||[email protected]|
|Email address for heads of the company||[email protected]|
4. Further guidance on how you can get access to information
If you would like to find out more information about PAIA you can contact the South African Human Rights Commission (“SAHRC”) who has compiled a guide, in each official language on how to exercise any right contemplated in PAIA. If you want to get the guide, the SAHRC can be contacted as set out below:
5. The South African Human Rights Commission:
Postal address: Private Bag 2700, Houghton, 2041
Telephone: +27 11 484-8300
Fax: +27 11 484-0582
6. The records we hold
A description of the records held by the company, as required by section 51(1)(e) of PAIA, is set out in the table below.
|CATEGORIES OF RECORDS ON EACH SUBJECT||FORM HELD||AVAILABILITY|
|1. Company Records|
|Company Incorporation Documents||Electronic and physical||Automatically available|
|Names of Directors||Electronic and physical||Automatically available on company website [www.cpbonline.co.za]|
|Salaries of Directors||Electronic and physical||Not automatically available|
|2. Financial Records of the Company|
|Financial statements||Electronic and physical||Not automatically available|
|Documents relating to taxation of the company||Physical||Not automatically available|
|Financial Agreements||Physical||Not automatically available|
|Banking Details||Electronic and physical||Automatically available.
Send email to[[email protected]]
|3. Insurance of Company|
|Insurance Policies held by the Company||Physical||Not automatically available|
|Register of all immovable property owned by the company||Physical||Not automatically available|
|List of Employees||Electronic and physical||Not automatically available|
|Personal information of employees||Electronic and physical||Not automatically available|
|Employee contracts of employment||Electronic and physical||Not automatically available|
|Pension Funds & Provident Fund||Electronic and physical||Not automatically available|
|Salaries of Employees||Electronic and physical||Not automatically available|
|Leave records||Physical||Not automatically available|
|5. Company Policies and Directives|
|Internal relating to employees and the company||Electronic and physical||Not automatically available|
|External relating to clients and other third parties||Electronic and physical||Not automatically available|
|6. Agreements or Contracts|
|Standard Agreements||Physical||Not automatically available|
|Contracts concluded with customers||Physical||Not automatically available|
|NDA’s||Physical||Not automatically available|
|Letters of Intent, MOU’s||Physical||Not automatically available|
|Third party contracts (such as JV agreements, Other Agreements etc.)||Physical||Not automatically available|
|Office management contracts||Physical||Not automatically available|
|Supplier contracts||Physical||Not automatically available|
|Licenses or Authorities||Physical||Not automatically available|
|8. Published Information|
|External Newsletters and Circulars||Electronic and physical||Automatically available|
|Internal Newsletters and Circulars||Electronic and physical||Not automatically available|
|Information on the company published by third parties||Electronic and/or physical||Not automatically available|
|9. Customer Information|
|Customer Details||Electronic and physical||Not automatically available|
|Contact details of individuals within customers||Electronic and physical||Not automatically available|
|Communications with customers||Electronic and physical||Not automatically available|
|10. Credit Bureau Information|
|Consumer information (Natural and Juristic)||Electronic||For free personal credit record (once a year) contact [email protected] or request via the website|
|Commercial Information||Electronic||Not automatically available|
7. How you can request Access
In order to comply with our obligations in terms of PAIA we have authorised and designated Marina Short to deal with all matters relating to PAIA. In order to request access to a record please complete the Request for Access Form which is available at www.sahrc.org.za and submit it to the company at its physical address, its fax number or general contact email address provided above.
8. Information we hold to comply with the law
We hold information in accordance with the following legislation:
- 1. Basic Conditions of Employment No. 75 of 1997
- 2. Companies Act No. 761 of 2008
- Consumer Protection Act 68 of 2008
- Electronic Communications and Transactions Act 25 of 2002
- 5. Employment Equity Act No. 55 of 1998
- 6. Income Tax Act No. 95 of 1967
- 7. Labour Relations Act No. 66 of 1995
- National Credit Act 34 of 2005
- 9. Protection of Personal Information Act No. 4 of 2013
- Value Added Tax Act No. 89 of 1991
9. Other Information as may be prescribed
The Minister of Justice and Constitutional Development has not made any regulations in terms of section 51(f) of the Act.
10. We may refuse you access to protect others
In terms of PAIA we are allowed to refuse you access to certain documents. These grounds for refusal are to protect –
- the privacy of another person;
- commercial information of another company;
- confidential information of another person;
- the safety of individuals and property;
- records privileged from production in legal proceedings; and
- research information.
You will be notified in writing whether your request has been approved or denied within 30 calendar days after we have received a completed Request for Access Form. Should any record of the company requested by you not be found or not exist, the company will, by way of affidavit, notify you that it is not possible to give access to that particular record.
11. In what form we will give you access
If your request for access to records of the company is approved, we will determine how we will provide access to you, unless you have requested access in a specific form.
12. How much it will cost you
Section 52 (3) states that fees payable for access to records are to be prescribed. The prescribed fees are as set out in the Fee Schedule which is available at www.sahrc.org.za.
13. Processing Personal Information
In terms of POPI we are required to detail how and what personal information we process. We process personal information to save you time and money by helping you find the most suitable products or services for your needs. To better understand our data subjects so we can match you with the most suitable provider who best caters for your needs.
We process the personal information of economically active people in SA who are older than 18. We process many different kinds of personal information, mainly names, numbers, age, address,
And credit history.
We provide your information to providers of products or services who can offer the best deals on what you want, saving you money and time.
All access to information are done in terms of the permissible purposes as stipulated in the National Credit Act.
We do not plan to transfer personal information across borders out of SA, but we may do so to secure or backup the data, or for technical reasons. The nature of cloud computing means that some data may be transferred across borders. Where it is within our control we will only transfer data to other countries who have similar privacy and data protection laws as our own.
14. How we protect personal information
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect.
The services we use make use of relatively secure data transmission and storage technologies to reasonably protect your personal information from unauthorised disclosure and maintain your personal information’s integrity.