PROMOTION OF ACCESS TO INFORMATION MANUAL
Prepared in accordance with Section 51 of the Promotion of Access to Information Act, 2 of 2000 (“PAIA”)
1. INTRODUCTION
This manual is prepared in accordance with the requirements of the Promotion of Access to Information Act, 2000 (“PAIA”). The aim of PAIA is to promote the right of access to information and foster a culture of transparency and accountability within public and private bodies. This manual provides a guide on how to access information held by Zero Debt (Pty) Ltd, a registered debt counselling company in South Africa.
2. COMPANY DETAILS
Name of Company: ZeroDebt (Pty) Ltd
Registration Number: 2022/492387/07
Physical Address: Golden Isle Building #2, 281 Durban Road, Bellville, Cape Town, 7530
Postal Address: Same as above
Telephone: 087 701 9665
Email: info@zerodebt.co.za
Website: www.zerodebt.co.za
3. INFORMATION OFFICER
Name: Daniel Havenga
Designation: CEO
Telephone: 087 701 9665
Email: dan@zerodebt.co.za
4. GUIDE OF THE SOUTH AFRICAN HUMAN RIGHTS COMMISSION (SAHRC)
The guide, compiled by the SAHRC (now the Information Regulator), is available in all official languages and contains information on how to exercise rights under PAIA. It is available from the Information Regulator:
Website: https://inforegulator.org.za
Telephone: 010 023 5200
Email: PAIAComplaints@inforegulator.org.za
5. RECORDS AVAILABLE IN TERMS OF OTHER LEGISLATION
Zero Debt (Pty) Ltd is subject to the following legislation (non-exhaustive list):
- National Credit Act, 2005
- Companies Act, 2008
- Basic Conditions of Employment Act, 1997
- Labour Relations Act, 1995
- Income Tax Act, 1962
- Value Added Tax Act, 1991
- Protection of Personal Information Act (POPIA), 2013
6. SUBJECTS AND CATEGORIES OF RECORDS HELD
a. Personnel records:
- Employment contracts
- Leave records
- Payroll information
b. Client-related records:
- Application forms
- Debt counselling agreements
- Payment records
- Correspondence
c. Company records:
- Company registration documents
- Financial statements
- Tax records
- Policies and procedures
d. IT and operational records:
- System backups
- Software licenses
- Security policies
7. REQUEST FOR ACCESS TO RECORDS
A request for access to records must be made in the prescribed Form C and submitted to the Information Officer via email, post or by hand. A fee may be payable.
The requester must:
- Provide sufficient details to identify the record
- Indicate in what form access is required
- Provide contact details
Form C is available at: https://inforegulator.org.za/paia-forms/
8. GROUNDS FOR REFUSAL OF ACCESS
Access to a record may be refused on grounds including:
- Protection of personal information of a third party
- Commercially confidential information
- Safety and security concerns
9. AVAILABILITY OF THE MANUAL
This manual is available:
- At our offices during normal business hours
- Our our website: www.zerodebt.co.za
10. UPDATING OF THE MANUAL
This manual will be updated periodically as required.
Signed:
Daniel Havenga
Date: 14/05/2025
