Privacy Policy

“The company” refers to: Radhiant Group (Pty) Ltd, its subsidiaries, related entities and partners.

• Where we refer to “process”, it means how we collect, use, store, make available, destroy, update,
disclose, or otherwise deal with personal information. As a general rule we will only process this
personal information if it is required to deliver or offer a service, provide a product, carry out a
transaction or obligation in a contract.
• We may combine this personal information and use the combined personal information for any of
the purposes stated in this Privacy Policy.
• If you use our other services, goods, products, and service channels you agree that we may process
this personal information as explained under this Privacy Policy. Sometimes you may provide us with
consent to process this personal information.
• The Company is a global organisation and as such this Privacy Policy will apply to the processing of
personal information by any member, subsidiaries, related entities or partners of The Company
globally. If The Company processes personal information for another party under a contract or a
mandate, the other party’s privacy policy will apply to the processing of such information.
• The Company can change this Privacy Policy from time to time if the law or our business practices
requires such change.
• This policy establishes a general standard for the appropriate protection of personal information
(POPI) within the Company environment furthermore, it provides principles regarding the rights of
individuals to privacy and to reasonable safeguards of their personal information.

All employees, contractors, consultants, temporary and other workers at The Company, including all
personnel affiliated with third parties must adhere to this policy. This policy applies to information
assets owned or leased by The Company, or to devices that connect to a Company network or reside
at a Company site.

Personal information refers to any information that identifies you or specifically relates to you, or
your employees stored or processed on The Product/s. Personal information includes, but is not
limited to, the following information about you and / or your employees:
• Marital status
• National origin
• Age
• Language
• Birthplace
• Education
• Relevant financial history
• Identifying number (like an employee number, identity number or passport number)
• E-mail address; physical address (like residential address, work address or your physical location);
telephone number
• Biometric information (like fingerprints, signature, or voice)
• Race; gender; sex; pregnancy status; ethnic origin; social origin; colour; sexual orientation
• Physical health; mental health; well-being; disability; religion; belief; conscience; culture
• Medical history; criminal history; employment history
2 • Personal views, preferences, and opinions
• Another’s views or opinions about you.
• Full names and initials
Personal information includes special personal information, as explained below.

We will only process this personal information for lawful purposes relating to our business if the
following applies:
• If you have consented thereto
• If a person legally authorised by you, the law, or a court, has consented thereto.
• If it is necessary to conclude or perform under a contract, we have with you
• If the law requires or permits it
• If it is required to protect or pursue your, our or a third party’s legitimate interest.

Special personal information is personal information about the following:
• Race (like where a company submits reports to the Department of Labour where the statistical
information must be recorded)
• Ethnic origin
• Trade union membership
• Health (like where you apply for an insurance policy)
• Biometric information (like to verify your identity); and / or your criminal behaviour and alleged
commission of an offense.

We may process your special personal information in the following circumstances:
• If you have consented to the processing
• If the information is being used for any Human Resource or payroll related requirement
• If the processing is needed to create, use or protect a right or obligation in law.
• If the processing is for statistical or research purposes and all legal conditions are met
• If the special personal information was made public by you
• If the processing is required by law

• We collect personal information from you directly.
• We may collect personal information from a public record or if you have deliberately made the
information public.
• We collect personal information from 3rd parties that are directly integrated with our software
platform.
• We collect information about you based on your use of our products, services, or service channels.
• We collect information about you based on how you engage or interact with us such as via emails,
letters, telephone calls and surveys.
• We collect personal information from completed forms i.e., contact and billing information.
If the law requires us to do so, we will ask for your consent before collecting personal information.
The third parties from whom we may collect your personal information include, but are not limited
to, the following:
• Our partners, your employer, employees directly, any of our other Bureau or channel partners and
any connected companies, subsidiary companies, its associates, cessionary(ies), delegates, assigns,
affiliates or successors in title and / or appointed third parties (like its authorised agents, partners,
contractors, and suppliers) for any of the purposes identified in this Privacy Policy.
• your spouse, dependents, partners, employer, and other similar sources.
• people you have authorised to share your personal information, like a person that makes a travel
booking on your behalf or a medical practitioner for insurance purposes.
• attorneys, tracing agents, debt collectors and other persons that assist with the enforcement of
agreements.
• payment processing services providers, merchants, banks, and other persons that assist with the
processing of your payment instructions, like EFT transaction partners.
• insurers, brokers, other financial institutions, or other organisations that assist with insurance and
assurance underwriting, the providing of insurance and assurance policies and products, the
assessment of insurance and assurance claims and other related purposes.
• law enforcement and fraud prevention agencies and other persons tasked with the prevention and
prosecution of crime.
• regulatory authorities, industry ombudsman, governmental departments, local and international tax
authorities.
• Trustees, Executors or Curators appointed by a court of law.
• our service providers, agents and sub-contractors like couriers and other persons we use to offer
and provide products and services to you.
• courts of law or tribunals.

We will process your personal information for the following reasons:
• to provide you with products, goods and services.
• to market our products, goods, and services to you.
• to respond to your enquiries and complaints.
• to comply with legislative, regulatory, risk and compliance requirements (including directives,
sanctions, and rules), voluntary and involuntary codes of conduct and industry agreements or to fulfil
reporting requirements and information requests.
• to conduct market and behavioural research, including scoring and analysis to determine if you
qualify for products and services or to determine your credit or insurance risk.
• to develop, test and improve products and services for you.
• for historical, statistical and research purposes, like market segmentation.
• to process payment instruments.
• to create, manufacture and print payment advice.
• to enable us to deliver goods, documents or notices to you.
• for security, identity verification and to check the accuracy of your personal information.
• to communicate with you and carry out your instructions and requests.
• for customer satisfaction surveys, promotional offerings.
• to enable you to take part in and make use of value-added products and services.
• to assess our lending and insurance risks; and / or
• for any other related purposes.

• We will use your personal information to market our services, related products, and services to you.
• We may also market non-banking or non-financial products, goods, or services to you.
• We will do this in person, by post, telephone, or electronic channels such as SMS, email, and fax.
• If you are not our customer, or in any other instances where the law requires, we will only market
to you by electronic communications with your consent.
• In all cases you can request us to stop sending marketing communications to you at any time

In general, we will only share your personal information if any one or more of the following apply:
• If you have consented to this
• If it is necessary to conclude or perform under a contract, we have with you
• If the law requires it; and / or
• If it’s necessary to protect or pursue your, our or a third party’s legitimate interest.
Where required, each member of the company may share your personal information with the
following persons. These persons have an obligation to keep your personal information secure and
confidential.
• Other members of The Company, its associates, cessionary, delegates, assigns, affiliates or
successors in title and / or appointed third parties (like its authorised agents, partners, contractors,
and suppliers) for any of the purposes identified in this Privacy Policy.
• Our employees as required by their employment conditions.
• Attorneys, tracing agents, debt collectors and other persons that assist with the enforcement of
agreements.
• Payment processing services providers, merchants, banks, and other persons that assist with the
processing of your payment instructions, like 3rd party EFT service providers.
• Law enforcement and fraud prevention agencies and other persons tasked with the prevention and
prosecution of crime.
• Regulatory authorities, industry ombudsmen, governmental departments, local and international
tax authorities, and other persons the law requires us to share your personal information with
• Our service providers, agents and sub-contractors like couriers and other persons we use to offer
and provide products and services to you
• Persons to whom we have ceded our rights or delegated our obligations to under agreements, like
where a business is sold
• Courts of law or tribunals that require the personal information to adjudicate referrals, actions or
applications.
• Trustees, Executors or Curators appointed by a court of law
• Participating partners in our customer loyalty reward programmes, where you purchase goods,
products and service or spend loyalty rewards; and / or our joint venture and other partners with
whom we have concluded business agreements, for your benefit.

We will only transfer your personal information to third parties in another country in any one or more
of the following circumstances:
• Where your personal information will be adequately protected under the other country’s laws or an
agreement with the third-party recipient
• Where the transfer is necessary to enter into or perform under a contract with you, or a contract
with a third party that is in your interest.
• Where you have consented to the transfer; and / or
• Where it is not reasonably practical to obtain your consent, the transfer is in your interest.
This transfer will happen within the requirements and safeguards of the law. Where possible, the party
processing your personal information in the other country will agree to apply the same level of
protection as available by law in your country or if the other country’s laws provide better protection
the other country’s laws would be agreed to and applied.
An example of us transferring your personal information to another country is where foreign
payments take place if you purchase goods or services in a foreign country, or request that we
facilitate salary payments to your employees in the countries.

You must provide proof of identity when enforcing the rights below.
You must inform us when your personal information changes.
Please refer to our Promotion of Access to Information Act 2 of 2000 Manual (PAIA Manual) for further
information on how you can give effect to the rights listed below.
You have the right to request access to the personal information we have about you by contacting us.
This includes requesting:
• Confirmation that we hold your personal information.
• A copy or description of the record containing your personal information; and
• The identity or categories of third parties who have had access to your personal information.
We will attend to requests for access to personal information within a reasonable time. You may be
required to pay a reasonable fee to receive copies or descriptions of records, or information about
third parties. We will inform you of the fee before attending to your request.
Please note that the law may limit your right to access information.
You have the right to request us to correct or delete the personal information we have about you if it
is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, obtained unlawfully or we are
no longer authorised to keep it. You must inform us of your request in writing. Please refer to our
PAIA Manual for further information in this regard, like the process you should follow to give effect to
this right. It may take up to 15 business days for the change to reflect on our systems. We may request
documents from you to verify the change in personal information.
A specific agreement that you have entered with us may determine how you must change your
personal information provided at the time when you entered into the specific agreement. Please
adhere to these requirements. If the law requires us to keep the personal information, it will not be
deleted upon your request. The deletion of certain personal information may lead to the termination
of your relationship with us.
You may object on reasonable grounds to the processing of your personal information.
We will not be able to give effect to your objection if the processing of your personal information was
and is permitted by law; you have provided consent to the processing and our processing done
according to your consent or the processing is necessary to conclude or perform under a contract with
you.
You must inform us of any objection in writing. Please refer to our PAIA Manual for further information
in this regard, like the process you should follow to give effect to this right.
Where you have provided your consent for the processing of your personal information, you may
withdraw your consent. If you withdraw your consent, we will explain the consequences to you. We
may proceed to process your personal information even if you have withdrawn your consent if the
law permits or requires it. It may take up to 15 business days for the change to reflect on our systems,
during this time we may still process your personal information.
You have a right to file a complaint with us or any Regulator with jurisdiction about an alleged
contravention of the protection of your personal information by us. We will address your complaint
as far as possible.

We will take appropriate and reasonable technical and organisational steps to protect your personal
information according to industry best practices. Our security measures (including physical,
technological, and procedural safeguards) will be appropriate and reasonable. This includes the
following:
• Keeping our systems secure (like monitoring access and usage)
• Storing our records securely
• Controlling the access to our buildings, systems and/or records; and
• Safely destroying or deleting records
• Ensure compliance with international security standards.

We will keep your personal information for as long as:
• The law requires us to keep it
• A contract between you and us requires us to keep it
• You have consented to us keeping it
• We are required to keep it to achieve the purposes listed in this Privacy Policy.
• We require it for statistical or research purposes.
• A code of conduct requires us to keep it; and / or
• We require it for our lawful business purposes.

Note: We may keep your personal information even if you no longer have a relationship with us, for
the historical data that may be required by your employer or employee. 6

Our Service does not address anyone under the age of 13. We do not knowingly collect personally
identifiable information from anyone under the age of 13. If You are a parent or guardian and You are
aware that Your child has provided The Company with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country
requires consent from a parent, we may require Your parent’s consent before We collect and use that
information. 

A cookie is a small piece of data sent from our websites or applications to your computer or device
hard drive or Internet browser where it is saved. The cookie contains information to personalise your
experience on our websites or applications and may improve your experience on the websites or
applications. The cookie will also identify your device, like the computer or smart phone.
By using our websites or applications you agree that cookies may be forwarded from the relevant
website or application to your computer or device. The cookie will enable us to know that you have
visited the website or application before and will identify you. We may also use the cookie to prevent
fraud and for analytics.

Document Name
Information Classification Policy
PAIA Manual

All records must be stored in the pre-allocation location. All physical copies need to be stored in a
lockable cabinet or drawer.

An employee found to have violated this policy may be subject to disciplinary action, up to and
including termination of employment. A violation of this policy by a temporary worker, contractor, or
vendor may result in the termination of their contract or assignment with The Company.
Any exception to the policy must comply with the Exceptions Policy.