{"id":3685,"date":"2026-01-06T15:43:02","date_gmt":"2026-01-06T13:43:02","guid":{"rendered":"https:\/\/j-cred.co.za\/?page_id=3685"},"modified":"2026-01-06T15:43:02","modified_gmt":"2026-01-06T13:43:02","slug":"paia-manual-access-to-information","status":"publish","type":"page","link":"https:\/\/j-cred.co.za\/zh\/paia-manual-access-to-information\/","title":{"rendered":"PAIA MANUAL (ACCESS TO INFORMATION)"},"content":{"rendered":"<p><strong>Prepared in terms of Section 51 of the Promotion of Access to Information Act 2 of 2000 (as amended)<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Introduction<\/h2>\n\n\n\n<p><strong>KT Opportunities (Pty) Ltd<\/strong> (trading as <strong>KTO Digital<\/strong> \/ <strong>J-Cred<\/strong>) respects the right of access to information as entrenched in the South African Constitution. This manual provides an outline of the types of records held by the company and explains how you may submit a request to access these records in terms of the <strong>Promotion of Access to Information Act (PAIA)<\/strong> and the <strong>Protection of Personal Information Act (POPIA)<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Company Contact Details<\/h2>\n\n\n\n<p>For all PAIA and POPIA related requests, please contact our Information Officer.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Head of Body:<\/strong> The CEO<\/li>\n\n\n\n<li><strong>Information Officer:<\/strong> The CIO<\/li>\n\n\n\n<li><strong>Physical Address:<\/strong> Unit 16 No.526 16th Road Constantia Square Office Park Randjespark Gauteng 1685<\/li>\n\n\n\n<li><strong>Postal Address:<\/strong> Same as above<\/li>\n\n\n\n<li><strong>Telephone:<\/strong> +27 10 224 0589<\/li>\n\n\n\n<li><strong>Email:<\/strong> legal@kto.co.za <\/li>\n\n\n\n<li><strong>Website:<\/strong> www.j-cred.co.za<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. The PAIA Guide<\/h2>\n\n\n\n<p>The <strong>Information Regulator<\/strong> has compiled a guide on how to use PAIA. This guide is available in all official languages and provides details on how to exercise your rights under the Act. You can access the guide via the Information Regulator\u2019s website: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/inforegulator.org.za\/\">https:\/\/inforegulator.org.za\/<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Records We Hold<\/h2>\n\n\n\n<p>We hold records in the following categories. Please note that the presence of a category here does not mean that a request for access will automatically be granted; certain records are protected by confidentiality or legal privilege.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A. Internal Records<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Memorandum of Incorporation (MOI)<\/li>\n\n\n\n<li>Minutes of Board of Directors Meetings<\/li>\n\n\n\n<li>Financial Records (Annual Financial Statements, Tax Returns, VAT, Asset Registers)<\/li>\n\n\n\n<li>Operational Policies and Procedures<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B. Personnel Records<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employment Contracts and Letters of Appointment<\/li>\n\n\n\n<li>Payroll Records (PAYE, UIF, SDL)<\/li>\n\n\n\n<li>Disciplinary Records<\/li>\n\n\n\n<li>Training Manuals and Workplace Skills Plans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C. Customer &amp; Client Records<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Service Level Agreements (SLAs)<\/li>\n\n\n\n<li>Client Confidentiality Agreements<\/li>\n\n\n\n<li>J-Cred User Data (strictly controlled in terms of POPIA)<\/li>\n\n\n\n<li>Invoices and Statements<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D. Information Technology<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Software Licenses<\/li>\n\n\n\n<li>Disaster Recovery Plans<\/li>\n\n\n\n<li>IT Security Policies (Information Security, Password Policies)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5. How to Request Access to Information<\/h2>\n\n\n\n<p>If you wish to request access to a record held by KTO Digital \/ J-Cred, please follow this procedure:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Download Form 2:<\/strong> Use the prescribed <strong>Request for Access to Record (Form 2)<\/strong>. Request link: <a href=\"https:\/\/j-cred.co.za\/contact\/\">https:\/\/j-cred.co.za\/contact\/<\/a><\/li>\n\n\n\n<li><strong>Complete the Form:<\/strong> Provide sufficient detail to enable the Information Officer to identify the record and the requester. You must also indicate which right you are seeking to exercise or protect.<\/li>\n\n\n\n<li><strong>Submit the Request:<\/strong> Email the completed form to <code>legal@kto.co.za<\/code>.<\/li>\n\n\n\n<li><strong>Pay the Request Fee:<\/strong> A non-refundable request fee of <strong>R140.00<\/strong> is payable upon submission (excluding personal requests).<\/li>\n\n\n\n<li><strong>Await Response:<\/strong> We will respond within <strong>30 days<\/strong> of receiving your request. We may extend this period by a further 30 days if the request is complex.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">6. Prescribed Fees<\/h2>\n\n\n\n<p>The following fees apply to requests (in accordance with the 2021 Regulations):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Request Fee:<\/strong> R140.00 (payable upfront).<\/li>\n\n\n\n<li><strong>Access Fees:<\/strong> Calculated based on time spent searching\/preparing (R145.00 per hour or part thereof) and reproduction costs (e.g., R2.00 per A4 page).<\/li>\n\n\n\n<li><strong>Deposit:<\/strong> If the search requires more than 6 hours, a deposit of one-third of the access fee is required.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">7. Grounds for Refusal<\/h2>\n\n\n\n<p>We may refuse access to records under certain circumstances, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Protection of <strong>personal information<\/strong> of a third party (privacy).<\/li>\n\n\n\n<li>Protection of <strong>commercial information<\/strong> of a third party (trade secrets).<\/li>\n\n\n\n<li>Protection of <strong>confidential information<\/strong> protected by an agreement.<\/li>\n\n\n\n<li>Protection of the <strong>safety of individuals<\/strong> or property.<\/li>\n\n\n\n<li>Protection of <strong>privileged information<\/strong> in legal proceedings.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">8. Remedies<\/h2>\n\n\n\n<p>If your request for access is refused, you may:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Contact the Information Officer to discuss the refusal.<\/li>\n\n\n\n<li>Lodge a complaint with the <strong>Information Regulator<\/strong> (using <strong>Form 5<\/strong>).<\/li>\n\n\n\n<li>Apply to a court of law for appropriate relief.<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Prepared in terms of Section 51 of the Promotion of Access to Information Act 2 of 2000 (as amended) 1. Introduction KT Opportunities (Pty) Ltd (trading as KTO Digital \/ J-Cred) respects the right of access to information as entrenched in the South African Constitution. This manual provides an outline of the types of records held by the company and explains how you may submit a request to access these records in terms of the Promotion of Access to Information Act (PAIA) and the Protection of Personal Information Act (POPIA). 2. Company Contact Details For all PAIA and POPIA related requests, please contact our Information Officer. 3. The PAIA Guide The Information Regulator has compiled a guide on how to use PAIA. This guide is available in all official languages and provides details on how to exercise your rights under the Act. You can access the guide via the Information Regulator\u2019s website: https:\/\/inforegulator.org.za\/ 4. Records We Hold We hold records in the following categories. Please note that the presence of a category here does not mean that a request for access will automatically be granted; certain records are protected by confidentiality or legal privilege. A. Internal Records B. Personnel Records C. Customer &amp; Client Records D. Information Technology 5. How to Request Access to Information If you wish to request access to a record held by KTO Digital \/ J-Cred, please follow this procedure: 6. Prescribed Fees The following fees apply to requests (in accordance with the 2021 Regulations): 7. Grounds for Refusal We may refuse access to records under certain circumstances, including: 8. Remedies If your request for access is refused, you may:<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-3685","page","type-page","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/pages\/3685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/comments?post=3685"}],"version-history":[{"count":1,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/pages\/3685\/revisions"}],"predecessor-version":[{"id":3686,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/pages\/3685\/revisions\/3686"}],"wp:attachment":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/media?parent=3685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}