PROMOTION OF ACCESS TO INFORMATION ACT (PAIA) MANUAL

Prepared in accordance with Section 51 of the Promotion of Access to Information Act, 2 of 2000
Mali Pty Ltd (Reg No: 2023/179126/07)

Registered Credit Provider – NCRCP18719

Last Updated: December 2025

1. Introduction

This PAIA Manual has been prepared in accordance with Section 51 of the Promotion of Access to Information Act (PAIA), which enables any person to understand what records a private body holds and how to request access to such information.

Mali Pty Ltd is committed to promoting transparency, accountability and openness while safeguarding personal information in line with the Protection of Personal Information Act (POPIA).

This Manual explains the structure of the organisation, the categories of records held, the process to request access to information and the applicable fees.

2. Contact Details

Information Officer: Fidel Okillah
Deputy Information Officer (if applicable): [Insert]
Email: fidel@malilife.co.za
Telephone: +27619472105
Physical Address: The Circle Business Center, Douglas Crowe Drive, Durban 4420
Website: www.malilife.co.za

3. Guide of the Information Regulator

In terms of Section 10 of PAIA, the Information Regulator has compiled a Guide to assist individuals in understanding how to exercise their rights.

The Guide can be accessed at:
Website: www.justice.gov.za/inforeg/

Or requested directly from:
The Information Regulator (South Africa)
Email: PAIAComplaints@inforegulator.org.za | POPIAComplaints@inforegulator.org.za

4. Types of Records Held by Mali Pty Ltd

Mali holds records necessary for operational, compliance and financial services functions. These include, but are not limited to:

4.1 Company Records

Registration documents
Shareholder and director records
Internal policies and procedures

4.2 Financial Records

Annual financial statements
Tax records
Invoices and receipts
Supplier contracts

4.3 Client Records

Loan applications
Affordability assessments
Bank statements, payslips and supporting documents
MyChama savings verification (Mali does not hold deposits; only the verification record)
Insurance disclosures and policy information

4.4 Credit and Risk Records

Credit assessment information
DebiCheck records
Repayment histories

4.5 Human Resources Records

Employment contracts
Employee personal information
Performance records
Payroll information

4.6 Insurance-Related Records

(Credit Life and Beneficiary Plan, administered through authorised insurers)

Policy documentation
Claims support documents
Beneficiary information

4.7 Electronic & Website Records

Emails
IP logs
Cookies and browsing data
Security logs

4.8 Compliance Records

NCR documentation
POPIA compliance files
PAIA requests and responses

5. Records Automatically Available

The following records are available without requiring a formal PAIA request:

Information on the Mali website
Product descriptions and pricing
Frequently asked questions
Privacy Policy
Terms & Conditions

6. Records Requiring a PAIA Request

Access to certain records may be restricted unless formally requested because they contain confidential, financial, personal or proprietary information.

These include:

Client files
Financial records
Internal operational documents
HR and employee records
Supplier agreements
Insurer-related documents
Risk and assessment data

Access will only be granted if it satisfies the requirements of Section 70 of PAIA and POPIA.

7. Request Procedure

To request access to information, the requester must:

7.1 Complete the Prescribed Form

Use Form 2 as issued by the Information Regulator (Available at www.inforegulator.org.za).

7.2 Submit the Form

Send the completed request to:

Information Officer: Fidel Okillah
Email: fidel@malilife.co.za
Subject: PAIA Request – [Your Name]

7.3 Required Information

The request must include:

Detailed description of the record being requested
Proof of identity (copy of ID)
Postal or email address to receive the response
Indication of the form of access required

8. Fees Payable

PAIA allows for fees to be charged for:

Access request fee
Reproduction of documents
Search and preparation time

Current fees (as per PAIA Regulations):

Request fee: R140
Photocopying: R2.00 per page
Electronic record: Actual cost
Search: R75 per hour or part thereof

Access will only be granted once all applicable fees are paid.

9. Grounds for Refusal of Access

Mali may refuse access to information if it:

Contains personal information of a third party
Is confidential and commercially sensitive
Is protected by professional privilege
Could harm Mali’s commercial or financial interests
Would constitute an unreasonable disclosure of personal information

Refusals comply strictly with Sections 62–70 of PAIA.

10. POPIA Compliance Statement

Mali is committed to protecting personal information and ensuring all data processing complies with POPIA.
Personal information will only be collected, used and stored for lawful and reasonable purposes, and retained only as long as required for regulatory or operational reasons.

Your privacy rights, including access, correction, deletion and objection, are respected and upheld.

11. Availability of This Manual

This Manual is available:

On the Mali website (www.malilife.co.za)
From the Information Officer upon request
As a printed copy at the business premises (where applicable)

12. Amendment of This Manual

Mali may amend this Manual from time to time.
The most recent version will always be available on our website.

13. Information Officer Declaration

I, Fidel Okillah, Information Officer of Mali Pty Ltd, confirm that this PAIA Manual has been prepared in accordance with PAIA Section 51 and is applicable for public access.

PAIA Manual