This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
The Promotion of Access to Information Act, No. 2 of 2000 (“the Act”) was enacted on 3 February 2000, giving effect to the constitutional right of access to any information held by the State and any information that is held by another person which is required for the exercise or protection of any rights.
Where a request is made in terms of the Act, the body to whom the request is made is obliged to release the information, except where the Act expressly provides that the information may or must not be released. The Act sets out the requisite procedural issues attached to such request.
The purpose of this manual is to promote transparency in our stakeholders’ access to information. We believe that access to information is the core foundation to sound corporate governance and strong stakeholder relationships.
The Manual aims to provide the following information:
Section 9 of the Act recognises that such a right to access information cannot be unlimited and should be subject to justifiable limitations, including, but not limited to:
Bettr Proprietary Limited (“Bettr”) provides its customers access to a platform which enables them to access a regulated bank account, payment card and an open marketplace of financial services provided by trusted third parties. The key contact details for any enquiry in relation to access to records are listed in the table below:
The South African Human Rights Commission ("SAHRC") has compiled, in each official language, a guide on how to use the Promotion of Access to Information Act 2 of 2000, which can be found on their website (www.sahrc.org.za ). The guide will contain such information as may reasonably be required by a person who wishes to exercise any right contemplated in the Act. Any enquiries regarding this guide should be directed to:
Given Bettr’s private company designation, all information held by Bettr is protected under strict confidentiality. That being said, Bettr will only disclose information held under the following circumstances:
Records held by Bettr are classified broadly across the following categories. Please note that the disclosure of the following records does not imply that an information request in relation to these records will be granted. Each request is considered according to the circumstances specific to the request (see section 7 below).
A. Customer Records
Customer records constitute the personal information which:
The main categories of personal information in relation to Customers, processed in the ordinary course of business, are summarized below:
B. Bettr Records
Bettr records describe information pertaining to Bettr’s own internal affairs, which include but are not limited to:
C. Personnel Records
Personnel refers to any person who works for or provides services to or on behalf of Bettr and receives or is entitled to receive any remuneration. This includes, but is not limited to, directors, all permanent, temporary and part-time employees and contractors. Personnel records include the following information:
Personal information in relation to Personnel, processed in the ordinary course of business, is summarized below:
D. Records Automatically Available
Certain records are automatically available and can be accessed without following a formal request procedure. These records by nature usually do not contain any confidential information. The following records are automatically available at Bettr’s head office or on Bettr website (https://bettr.app):
Other records relating juristic information of Bettr is available for the Company Intellectual Property Commission’s (CIPC) website (https://cipc.co.za/za/) for example:
Information is available in terms of the following legislation, if and where applicable. Note this is not an exhaustive list:
All requests for access to information are assessed on a case by case basis by the Information Officer. Request for access to information may be refused on the following bases:
Requests for access to records held by the Bettr must be made using the prescribed Form C attached. Requests for access to records must be made to Bettr at the address or email address provided. Should a requester be unable to provide a written request, the requester may make a verbal request with the Information Officer.
The requester must ensure the following is provided within the form in relation to their request:
Kindly note that all requests will be considered in accordance with the Act. Publication of this manual and describing the categories and subject matter of information held by Bettr does not give rise to any rights (in contract or otherwise) to access such information or records except in terms of the Act.
Bettr will respond 30 days after receiving the request. The Information Officer may request an extension for a period of no more than 30 additional days for specific reasons, which include the request involving:
Only one extension is allowed per PAIA request.
Bettr does not have an internal appeal procedure and therefore the decision as stipulated by the Information Officer is final. Should the requester be dissatisfied with the decision, the requester has the right to approach a court for relief within 180 days of being informed of the decision. The requester may bring to the court’s attention their dissatisfaction regarding:
There are costs associated with requesting access to records as stipulated by the Act. The fees to request access to records are listed below:
* The Request Fee is exempt for a requester if the requester is requesting access to personal information however the access fees are still due.
** Requesters who earn less than R14,712.00 per year (if single) and R27,192.00 per year (if married or in a life partnership), do not have to pay access fees.
Postage fees must be paid by the requester
If the Information Officer thinks that the collection and reproduction of documents will take longer than six hours, he/she must inform the requester (by formal notice) that one third of the access fee is payable upfront as a deposit.
If the record is not provided in the form requested, the access fee that is charged to the requester must not exceed the fee that would have been charged if access was granted in the form requested. However, this rule does not apply when an alternative form is required because information had to be severed from the record.
If the requester cannot read, view or hear the record in the form held by a public body because of a disability, the public body is required to provide the record in a form that is accessible to the requester.
The access fee charged to the requester must not exceed the fee that would have been charged but for the disability.
Download PAIA form here