Last updated: 12 November 2025
INTRODUCTION
Spring Loans (Pty) Ltd (“Spring Loans”) is a private company and a registered credit provider operating under the laws of the Republic of South Africa. We respect the constitutional right of access to information and are committed to transparency, accountability, and compliance with the Promotion of Access to Information Act, 2 of 2000 (PAIA) and the Protection of Personal Information Act, 4 of 2013 (POPIA).
This manual has been prepared in accordance with Section 51 of PAIA, as read with section 17 of POPIA. Section 51 of PAIA requires that all Private Bodies prepare and make available a manual, to the public, regarding the procedure which the public must follow when submitting a request to access the private bodies’ records.
This manual accordingly serves to inform members of the public of the categories of records and information held by Spring Loans. Access to such records and information is not automatic, and any person seeking to request access must do so by completing the appropriate form attached to this Manual. The request is evaluated before the information is disclosed, subject to lawful grounds of refusal as listed in PAIA.
DEFINITIONS
For clarity, the following terms apply throughout this manual:
- PAIA – Promotion of Access to Information Act, 2 of 2000, as amended.
- POPIA – Protection of Personal Information Act, 4 of 2013, as amended.
- Regulator – The Information Regulator established under Section 39 of POPIA.
- IO – Information Officer responsible for PAIA/POPIA compliance within Spring Loans.
- DIO – Deputy Information Officer appointed to assist the IO.
- Regulations – The PAIA Regulations issued under Section 92 of the Act.
PURPOSE OF THIS MANUAL
This PAIA Manual is intended to:
- Provide a clear overview of the records Spring Loans holds and indicate which are available without a formal request;
- Explain the process for requesting access to information;
- Identify the categories of personal information we process and the third parties who may receive it;
- Describe our data security and international transfer practices;
- Offer guidance on how to obtain the official PAIA Guide from the Information Regulator.
ACCESS TO THE PAIA GUIDE
In terms of section 10 of PAIA, the Information Regulator has published a comprehensive PAIA Guide, which explains how to exercise rights under PAIA and POPIA, including:
- the purpose of PAIA;
- the manner, form and costs of a request for access to information held by a body;
- legal remedies when access to information is denied;
- when access to information may be denied; and
- the contact details of Information Officers in the national, provincial and local government.
The PAIA Guide is available in all official languages and in Braille from the Regulator’s office or website (https://www.justice.gov.za/inforeg). Copies may also be requested from Spring Loans’ Information Officer and are available in English and Zulu during normal business hours.
CONTACT DETAILS
Details of the Business
Entity Name: Spring Loans (Pty) Ltd
Registration Number: 2025/631597/07
Tax Number: 9867229198
NCR Registration Number: NCRCP 22612
FIC Organisation ID: 76287
Business Address: 2nd Floor, Tower B, Northlands Cnr Shopping Centre, Northriding, Gauteng, 2169
Email: support@springloans.co.za
Website: https://springloans.co.za
Director: Gereldien Yvette Tamboer (ID 8601200120084)
Details of the Information Officer
Information Officer: Gereldien Yvette Tamboer
Email: ceo@springloans.co.za
Telephone: +27100850420
Details of the Deputy Information Officer:
Information Officer:Adesh Jadoo
Telephone: +27100850420
HOW TO REQUEST ACCESS TO INFORMATION
Any person seeking access to a record held by Spring Loans (“Requester”) must submit a written request using Form 2 from the PAIA Regulations attached hereto (“Request Form”), or a form that is substantially similar.
When making such a request, the Requester is directed to take note of the following –
- the request must provide sufficient detail on the Request Form to enable the Information Officer to clearly identify the record, as well as the identity of the Requester;
- the Requester must identify the right that is sought to be exercised or protected by virtue of their request, and must provide an explanation as to why the requested record is required for the protection or exercise of such right
- if the request is made on behalf of another person, the Requester must submit proof, to the satisfaction of the Information Officer, of the capacity in which the Requester is making the request. The Information Officer is therefore entitled to request such proof as he deems fit, including the identification information or contact details of the person, to verify that they have given their permission for such information to be requested on their behalf;
- the request must indicate the form of access sought or required (e.g. hard copy, certified copy, original document, electronic copy etc), and should specify the details required for the information to be provided to the Requester (e.g. the Requester’s postal address, email address, etc); and
- if the requested record does not relate solely to the Requester, and contains the protected information of other persons, then the Requester will only be entitled to access and receive the relevant sections of such records insofar as it pertains to them.
A request fee of R140.00 is payable before processing. Payment details will be provided upon submission of your request.
Spring Loans will acknowledge your request and respond within 30 days, notifying you whether access is granted or refused and what fees (if any) apply.
Access may be lawfully refused on grounds listed in Chapter 4 of PAIA, such as confidential or commercially sensitive information.
GROUNDS FOR REFUSAL OF ACCESS TO INFORMATION AND/OR RECORDS
Part 3, Chapter 4 of PAIA sets out instances when a request for information must be refused. These grounds for the refusal of access to information and/or records include –
- the protection of a third party’s right to privacy when such release of information would amount to the unreasonable and/or unlawful disclosure of personal information of that person, including the personal information of a deceased individual;
- mandatory protection of any commercial information of a third party, including but not limited to any trade secrets, commercial and/or intellectual property where disclosure would cause harm to the commercial or financial interests of that third party;
- any confidential information which is protected by an agreement between the parties;
- mandatory protection and information that would be considered privileged in terms of any legal and/or medical proceedings;
- if disclosure of information or a record could reasonably be expected to endanger the life/physical safety, privacy and identity of an individual;
- any intellectual, commercial and/or related documentation relating to the business activities of Spring Loans;
- any research information being carried out/to be carried out by/on behalf of a third party where such disclosure would likely expose the third party, a person carrying out the research, or the subject matter of the research, to serious disadvantage; and
- any other reason that is allowed in any applicable law.
REMEDIES AND COMPLAINTS
If you are dissatisfied with our decision, you may lodge a complaint with the Information Regulator using Form 5 of the Regulations. Complaints must be submitted within 180 days of receiving our response. The Regulator will then manage the dispute resolution process as outlined in PAIA and its Regulations.
RECORDS AVAILABLE WITHOUT REQUEST
The following records are publicly available on our website and do not require a formal PAIA application:
- Terms of Use;
- Privacy Policy;
- PAIA Manual;
- Information made public by Spring Loans, either on its website or any platform.
RECORDS AVAILABLE UNDER OTHER LEGISLATION
Certain records are available to the public under other South African laws, including:
- The Companies Act 71 of 2008 – company registration and incorporation documents;
- The Protection of Personal Information Act 4 of 2013 – Privacy Policy;
- The Promotion of Access to Information Act 2 of 2000 – this PAIA Manual.
CATEGORIES OF RECORDS HELD
Spring Loans maintains records in the following broad categories:
- Corporate and Statutory records: Memorandum of Incorporation, share certificates, director resolutions, minutes, and share registers.
- Financial records: bank statements, contracts, invoices, and audited financial reports.
- Human resources: employment contracts, HR policies, and personnel records.
- Commercial agreements: client contracts, supplier agreements, and service level arrangements.
- Tax and compliance: income tax returns, VAT filings, and FIC compliance records.
- Information technology: software licences, security protocols, data retention policies, and incident response records.
- Intellectual property: copyrights, trademarks, and licensing agreements.
PROCESSING OF PERSONAL INFORMATION
Purpose of Processing:
Spring Loans processes personal information to:
- conduct and manage the business of Spring Loans in accordance with the law, including the administration of Spring Loans;
- provide credit services to clients and matters ancillary thereto;
- verify identity and assess creditworthiness;
- comply with legislative requirements under the National Credit Act and FICA;
- communicate with clients and partners;
- improve our digital platform and user experience; and
- for any other lawful purpose related to the activities of a private company.
Data Subjects and Information Processed:
We collect and process information from clients, employees, service providers, and contractors. Depending on the relationship, this may include personal identifiers, contact details, financial data, employment information, and transactional records, which shall be processed in accordance with POPIA and Spring Loans’ Privacy Policy.
Sharing with Third Parties:
Information may be shared with the following authorised parties:
- Credit bureaus and regulators;
- Cloud storage and database providers;
- Accountants, auditors, and legal advisors;
- Software vendors and customer management systems.
International Transfers:
Where personal data is hosted on secure servers outside South Africa, Spring Loans ensures that appropriate data-protection agreements and security measures are in place to maintain an equivalent level of protection.
Data Security
Spring Loans uses industry-standard security measures to protect personal information against unauthorised access, loss, or alteration. This includes data encryption, multi-factor authentication, and access controls restricted to authorised personnel only.
Availability and Updates
This PAIA Manual is available:
- on the Spring Loans website at https://springloans.co.za;
- at Spring Loans Offices
- upon request from the Information Officer (subject to the prescribed fee);
- from the Information Regulator upon request.
The manual is reviewed regularly to ensure continued compliance with PAIA and POPIA.
