PAIA Manual
This PAIA Manual is made available by Low Budget Loans in accordance with the Promotion of Access to Information Act and applicable South African information-access requirements.
The purpose of this manual is to help members of the public understand what records may be held by Low Budget Loans and how a request for access to information may be submitted.
Company Information
Company Name: Low Budget Group
Trading Name: Low Budget Loans
Registration Number: [Insert registration number]
NCR Registration Number: [Insert NCR number, if applicable]
Information Officer: [Insert name]
Email Address: [Insert email address]
Telephone Number: [Insert contact number]
Physical Address: [Insert physical address]
Types of Records Held
Low Budget Loans may hold records relating to:
- Company administration
- Client enquiries and loan applications
- Employee and employer information
- Affordability assessments and supporting documents
- Credit agreements and repayment records
- Financial records
- Compliance and regulatory records
- Website and communication records
- Supplier and service-provider records
Records Available Without a Formal Request
Certain information may be available on our website without the need for a formal PAIA request. This may include general company information, website policies, contact details, complaints information and public-facing service information.
Requesting Access to Records
A person who wishes to request access to records must submit a written request to the Information Officer using the prescribed PAIA request form where required.
The request should clearly state:
The record being requested
The reason for the request
The requester’s contact details
The preferred method of access
Proof of identity, where applicable
Any authorisation required when acting on behalf of another person
Refusal of Access
Access to certain records may be refused where permitted by law, including where the request relates to confidential information, third-party personal information, commercial information, privileged information, or information that cannot lawfully be disclosed.
Fees
Where applicable, prescribed request fees, access fees or reproduction fees may apply before records are provided.
Contact for PAIA Requests
All PAIA-related requests should be submitted to:
Information Officer: [Insert name]
Email: [Insert PAIA email address]
Telephone: [Insert telephone number]
Client to confirm: full PAIA manual details, prescribed forms, Information Officer registration, fee structure, records categories, final legal format.