Privacy Policy

Teeenaar operates a remittance business whose information can be found on our website (www.myzaca.com). It is on our website where our privacy policy regarding the collection, use and disclosure of Personal Information we receive from users of our Zaca App and the Site is found.
As part of our commitment to safeguard our clients’ personal information and our will to comply with the law, our processing activities involving personal information are aligned to the provisions of POPIA.
This privacy policy aims, among other things, to inform our users about how Teeenaar deals with personal information in line with requirements of the South African Constitution, which protects the right to privacy. Teeenaar treats its clients’ confidential information with the utmost discretion.

Teeenaar uses clients’ Personal Information for purposes of compliance to the regulation relating to Know Your Customer (KYC) and Anti Money Laundering (AML) as prescribed by the Reserve Bank of South Africa. Personal information may also be used for the purposes of improving services to our clients. By using the website or the mobile application, users agree to the collection and use of their information in accordance with this policy.

What is personal information?

Personal information is data that can be used to identify you. This includes information you share with us, information that we gather during onboarding and our relationship with you as our client, as well as information about your marketing preferences. This information may include:

your gender as may be required by law.
your nationality or social origin.
your financial information (like your income and expenses, loan repayments, investments, assets or your liabilities);
any identifying number, symbol (like account, identity or passport numbers);
your email address, physical address or telephone number (as this may be needed for us to communicate with you and fulfil compliance requirements);
biometric information (e.g., fingerprints, and facial or voice recognition); and
your private opinions or views.

We may contact you to collect or confirm certain personal information. Such information may include:

Information relating to permits (e.g. residency or special immigration permits)
your race or ethnicity (as required by law and for statistical purposes);
criminal behaviour where it relates to the alleged commission of any offence; or any proceedings regarding any offence allegedly committed by you, or the disposal of such proceedings.

The collection and processing of your special personal information will only happen with your consent, if this is necessary to establish, exercise or defend a right or obligation in law, to comply with a law, for historical, statistical or research purposes or if it is otherwise lawful to do so.
We may also contact you to collect information if in our view there is grounds for suspicion or unusual activity on our mobile application (Zaca App). Such information may relate to your proof of income and or information that will assist in complying to the law and regulations. We are required by law to monitor activities and transactions of our clients.

Objective of this privacy policy

Like many site operators, we may receive information that your browser sends to us whenever you visit our Site. This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

In addition, we may use third party services to verify the information provided, particularly for users who wish to be registered with us.

Our objective is to give our clients and our stakeholders guidance and information on how we collect, use and protect personal information. The privacy policy will tell you:

Why we collect your personal information and how we may process it.
How we share your information with third parties.
How we protect your information.
How long we hold onto your information.

Collection and processing of personal information

We may require your personal information to enable us to improve our service offering or to comply with certain legislative requirements. We will only collect and use personal information if we are lawfully permitted to do so. With this information we can:

Assess the risk of fraud, money laundering and the like.
Offer you improved user experience.
Gain an understanding of your user experience to offer you the best service.
Develop suitable products and services to meet your needs.
Market relevant products and services to you.
Conduct market research and client satisfaction surveys.
Verify your identity and to assess your ability to transact with us.
Communicate with you by post, phone, SMS, email, and other electronic media, including our mobile applications about products that may be of interest to you.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.
Like many sites, we may use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

It is your right to refuse to provide personal information, but this refusal may limit our ability to provide the required services to you. We will only collect information from you that is necessary and relevant to the service or product we have to provide.

Third-party services

If we use third-party data providers, we will ensure that they are lawfully allowed to share the information with us.
The lawful bases we rely on for processing this information are:

We have your consent to do so.
We have an obligation to carry out actions for the cancellation or performance of a contract with you.
We are required by law to process your personal information.
The processing protects your legitimate interest.
We have a legitimate interest to pursue; and/or
A third party has legitimate interest to pursue.

We collect your personal information in the following ways:

Directly from you when you register on our mobile Application (Zaca App).
Indirectly from you when you interact with us electronically. When you are browsing our website (including our mobile application), we may collect information from you, like your IP address and server logs.
From other sources, such as public databases, data aggregators and third parties, as well as other financial institutions, credit bureaus, fraud prevention agencies; or indirectly through your interactions with third parties.
Through agents or third parties who collect Information on our behalf.

Third parties from which we may collect your personal information may include:

Authorised dealers.
Data brokers.
Business partners.
Credit bureaus.
Payment associations.
Social media.
The South African Police Service.
Local or foreign regulators.
Public or government entities.
South African Fraud Prevention Services.
Payments Association of South Africa.
Media publications; and
Tracing agents.
Aggregators.

Information and data storage

We will keep your information only for as long as we need it for a lawful business purpose or as required by law (including tax legislation) and any other statutory obligations (including anti-money-laundering and counter-terrorism requirements). We may keep your personal information for longer than required if you have agreed to this or we are lawfully allowed to do so.
If we need to keep your personal information for longer than required, and more specifically for historical, statistical or research purposes, we will do so with the appropriate safeguards in place to prevent the records from being used for any other purpose.
Your information may be kept for varying periods from the end of our relationship, depending on regulatory requirements. We will take all reasonable steps to destroy or de- identify the personal information that we hold when it is no longer required.

Your data protection rights.

You have the right to ask us to confirm whether we hold any information about you. You may also request a record from us about the personal information we hold about you, as well as information about all third parties with whom we have shared your personal information. Once we have given the information to you, you may ask that we:

Correct or delete the personal information in our possession or under our control if it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or has been obtained unlawfully.
Destroy or delete a record of your personal information that we are no longer authorised to keep in terms of regulatory requirements; or
Stop or start sending you marketing messages by informing us in writing or through our branch network, call centres or website.

If you want to verify the information we have about you, want us to update, change, delete or you have a complaint or suggestion, you may contact us by calling us, email or sending us a message via our website.
If you are still not satisfied with the way we have dealt with your complaint, you can contact the Information Regulator by completing the prescribed POPIA form 5 and emailing it to POPIAComplaints@inforegulator.org.za. For more information visit the Information Regulator website at https://inforegulator.org.za.

Contact Us

Teeenaar maybe contacted via our help desk on:
021 522 9219 (Mon-Fri 8am – 5pm)
076 902 3482 (Outside office hours)
admin@myzaca.com (24 Hrs a day, 7 days a week)
www.myzaca.com (send us your message/question/querry)