1. Introduction

This Promotion of Access to Information Act (PAIA) Manual has been prepared in accordance with Section 51 of the Promotion of Access to Information Act, 2000 ("PAIA").

The purpose of this Manual is to:

• Explain how members of the public may request access to records held by BIZZER INSURANCE BROKERS.
• Promote transparency and accountability.
• Explain how personal information is processed in accordance with the Protection of Personal Information Act, 2013 (POPIA).
• Assist individuals wishing to exercise their rights under PAIA.

2. Company Information

3. Information Officer

The Information Officer is responsible for ensuring compliance with PAIA and POPIA.

4. Guide on PAIA

A guide on how to use PAIA is available from the Information Regulator.

5. Applicable Legislation

Records may be held in terms of various legislation, including but not limited to:

• Promotion of Access to Information Act, 2000
• Protection of Personal Information Act, 2013
• Financial Advisory and Intermediary Services Act (FAIS)
• Financial Intelligence Centre Act (FICA)
• Long-term Insurance Act
• Companies Act
• Income Tax Act
• Value Added Tax Act
• Basic Conditions of Employment Act
• Labour Relations Act
• Electronic Communications and Transactions Act
• Occupational Health and Safety Act

6. Records Available Without Request

• Company Profile
• Products and Services
• Website Content
• Contact Information
• Careers
• News and Announcements
• Marketing Brochures

7. Categories of Records Held

Corporate Records

• Company Registration Documents
• Shareholder Information
• Governance Documents
• Policies and Procedures
• Strategic Documents

Financial Records

• Accounting Records
• Tax Records
• Banking Records
• Financial Statements
• Audit Reports

Human Resources Records

• Employment Contracts
• Payroll Records
• Leave Records
• Training Records
• Personnel Files

Customer Records

• Insurance Applications
• Policy Records
• Claims Documentation
• Quotations
• Beneficiary Information
• Customer Correspondence

Operational Records

• Service Agreements
• Supplier Contracts
• Business Correspondence
• Marketing Material
• Internal Procedures

Website Records

• Website Analytics
• Cookie Data
• Contact Forms
• Online Applications
• User Account Information

8. Personal Information Processed

In accordance with POPIA, BIZZER INSURANCE BROKERS may process:

• Full Names
• Identity Numbers
• Passport Numbers
• Dates of Birth
• Gender
• Contact Details
• Residential Addresses
• Banking Information
• Policy Information
• Claims Information
• Beneficiary Information
• Spouse Information
• Children's Information
• Employment Information
• Device and Website Usage Information

9. Purpose of Processing Personal Information

• Provide Insurance Quotations
• Administer Insurance Policies
• Process Claims
• Verify Identities
• Meet Legal Obligations
• Detect Fraud
• Communicate with Clients
• Improve Services
• Maintain Business Records

10. Recipients of Personal Information

Information may be shared where appropriate with:

• Insurance Underwriters
• Claims Administrators
• Financial Institutions
• Payment Service Providers
• Legal Advisers
• Auditors
• Regulatory Authorities
• Government Departments
• IT Service Providers

Personal information will only be shared where authorised by law, contract or with the data subject's consent.

11. Requesting Access to Records

Requests for access to records must:

• Be submitted in writing.
• Provide sufficient detail to identify the requested record.
• Include the requester's contact details.
• State the right that the requester wishes to exercise or protect.
• Explain why access is required.

Requests should be addressed to the Information Officer.

12. Fees

Prescribed request fees may apply in accordance with PAIA.

The requester will be informed if payment is required before the request is processed.

13. Grounds for Refusal

Access may be refused where permitted by PAIA, including where disclosure would:

• Invade another person's privacy.
• Disclose confidential commercial information.
• Prejudice legal proceedings.
• Compromise security.
• Expose privileged information.
• Violate statutory obligations.

14. Remedies

• Request reasons for the refusal.
• Exercise any applicable legal remedies.
• Lodge a complaint with the Information Regulator where appropriate.

15. Availability of this Manual

• Available on the BIZZER INSURANCE BROKERS website.
• Available upon request from the Information Officer.
• Available in electronic format.

16. Amendments

BIZZER INSURANCE BROKERS reserves the right to amend this Manual whenever required by changes in legislation or business operations.

The latest version will always be available on the company's website.

17. Contact Details

18. Information Regulator

For complaints relating to PAIA or POPIA, contact:

19. Approval

This PAIA Manual has been approved by the management of BIZZER INSURANCE BROKERS and will be reviewed periodically to ensure continued compliance with applicable South African legislation.