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Ukuthobela i-POPIA Kubaniniwe: Lokho Okufanele Ukwenze Ngaphambi Kokuhlola Abaqashi

Indlu Team 3 imizuzu kufundza
Ukuthobela i-POPIA Kubaniniwe: Lokho Okufanele Ukwenze Ngaphambi Kokuhlola Abaqashi

Selokhu uMthetho Wokuvikela Ulwazi Lomuntu Siqu (POPIA) waqala ukusebenza ngokuphelele ngomhla 1 July 2021, ukuthobela i-POPIA kubaniniwe bekuphoqelekile. Umniniwe ngamunye waseNingizimu Afrika oqoqa imininingwane yabaqashi — okusho umniniwe ngamunye ohlola abafaki sicelo — unezibopho zomthetho mayelana nokuthi leyo mininingwane iqoqwa, igcinwa, isetshenziswa kanjani futhi ekugcineni icishwa.

Ukwephula i-POPIA kungabeka ubungoti bezinhlawulo kuze kube R10 million, ukuboshwa, noma kokubili. Ngokuvamile, umqashi ozizwa imininingwane yakhe iphatheke kabi angafaka isikhalazo ne-Information Regulator, okudonsa uphenyo ongumfuni mnikazi.

Lomhlahlandlela uchaza lokho i-POPIA edinga kubaniniwe nendlela yokuhlala uthobayo ngaphandle kokuminza emaphepheni.

Yini i-POPIA Nokuthi Kubaluleke Kanjani Kubaniniwe

I-POPIA ngumthetho waseNingizimu Afrika wokuvikela imininingwane, owenziwe nge-GDPR yase-European Union. Ilawula ukucubungula kolwazi lomuntu siqu nanoma ubani — kuhlanganise abaniniwe abangabodwa nabasebenzi bezakhiwo.

Njengomniniwe, ucubungula ulwazi lomuntu siqu lapho: uqoqa ifomu lesicelo sokuqasha, wenza ukuhlola kwekhredithi nge-TPN, TransUnion, noma Experian, uqinisekisa ubunikazi bomfaki sicelo (inombolo ye-ID, ipasipoti), uxhumana nomqashi ukuze uqinisekise umholo, uthola izinkomba zabaniniwe abangaphambilini, ugcina ukuxhumana, amalayisi, noma amarekhodi enkokhelo. Konke lokhu kungaphansi kwe-POPIA. Wena ungumuntu othatha isinqumo; umqashi noma umfaki sicelo ungumuntu odabeni.

Nini Imvumo Ebhaliwe Idingeka

Ngaphansi kwe-POPIA Isigaba 11, ulwazi lomuntu siqu kufanele lucubungulwe ngokomthetho. Kubaniniwe, isisekelo esifanelekile semvumo imvumo — ikakhulukazi lapho kwenziwa ukuhlola kwekhredithi nokuhlola emuva. Umhlahlandlela wethu wokuhlola abaqashi.

Ngaphambi Kokuhlola Kwekhredithi Noma Yiluphi

Kufanele uthole imvumo ebhaliwe yomfaki sicelo ngaphambi kokuba: wenze ukuhlola kwekhredithi nanoma yibhuro (TPN, TransUnion, Experian), ufinyelele irekhodi labo lobugebengu, wenze ukusesha e-ofisi yamadokhumenti, uqinisekise ubunikazi ngonkonzo yabathathu. Imvumo kufanele ibe: ecacile (chaza ukuthi yiziphi izihlolo), nolwazi (umfaki sicelo aqonde lokho avumelana nakho), ngokuzithandela (angaphoqwa), ibhaliwe noma iqoshiwe.

Isibonelo Solimi Lwefomu Lemvumo Ye-POPIA

Mina, [Igama Eliphelele], inombolo ye-ID [Inombolo Ye-ID], ngivumela [Igama Lomniniwe / Indlu (Pty) Ltd] ukucubungula ulwazi lwami lomuntu siqu ukuze kuhlolwe isicelo sami sokuqasha isakhiwo [Ikheli Lesakhiwo]. Ngiyaqonda ukuthi lokhu kungahlanganisa: ukuhlola kwekhredithi nge-TPN, TransUnion, noma Experian; ukuqinisekisa ubunikazi bami ngeMnyango Wezasekhaya; ukuqinisekisa umsebenzi wami nengeniso nomqashi wami wamanje; ukuxhumana nabaniniwe abangaphambilini; ukusesha e-ofisi yamadokhumenti. Ngiyaqonda ukuthi ulwazi lwami luyogcinwa ngokuphepha futhi luyogcinwa isikhathi esanele kuphela. Ngiyazazi amalungelo ami okufinyelela, ukulungisa noma ukucela ukucishwa kolwazi lwami lomuntu siqu. Isiginesha: ________ Usuku: ________

Imininingwane Ongayiqoqa Nokugcina

Umphakathi we-POPIA wokuncisha (Isigaba 10) usho ukuthi kufanele uqoqe kuphela olwazi oluxhumene ngenjongo. Okufanelekile ukuqoqa: igama, i-ID/pasipoti, ukuxhumana, umsebenzi, ingeniso, imiphumela yokuhlola kwekhredithi, umlando wokuqasha, i-akhawunti yebhange. Okungadingeki: irekhodi lezempilo, ubulungu bepolitiki, inkolo, ubuni, idatha yebhayimetrikhi (ngaphandle kokuthi idingeke). Umhlahlandlela wethu wokuhlola nge-AI.

Ungagcina Imininingwane Yabaqashi Isikhathi Esingakanani

I-POPIA idinga ukuthi ulwazi lomuntu siqu lugcinwe kuphela isikhathi esidingekayo. Abaniniwe: abafaki sicelo abangaphumelele: cisha imininingwane phakathi nezi-6 zenyanga; abaqashi bamanje: gcina isikhathi sokuqasha; abaqashi abangasekho: gcina amarekhodi ezezimali iminyaka emihlanu (i-Tax Administration Act), bese ucisha ngokuphepha. Umhlahlandlela wethu we-TPN.

Amalungelo Abaqashi Ngaphansi Kwe-POPIA

Ilungelo lokufinyelela: umqashi angacela ikhophi yalo lonke ulwazi omniniwe aluphethe. Ilungelo lokulungisa: uma ulwazi alunembile. Ilungelo lokucisha: uma sekungekho sizathu sokuqhubeka nokugcina. Ilungelo lokuphikisa: ekusebenziseni ulwazi ukuze kuthunyelwe imarketing.

Izinhlawulo Zokungathobeli

I-Information Regulator ingabeka: izinhlawulo kuze kube R10 million; icala lobugebengu (ukuboshwa kuze kube yiminyaka eyi-10 ezindabeni ezinzima); izimangalo zomphakathi.

Amaphutha Abaniniwe Abawenza

(1) Ukuhlola ngaphandle kwemvumo ebhaliwe (2) Ukwabelana ngemininingwane yabaqashi ngaphandle kwemvumo (3) Ukugcina imininingwane kuze kube phakade (4) Ukungavikeli imininingwane kahle (5) Ukunganikezi isaziso sokuzimela (privacy notice).

Indlela I-Indlu Ebhekelela Ngayo I-POPIA

I-Indlu yakha ukuthobela i-POPIA enqubweni: amafomu emvumo azenzakalelayo — umfaki sicelo usayina idijithali ngaphambi kokuhlolwa; umugqa wokuhlola — uqoshwa ukucubungula ngamunye; ukugcinwa okuphephile — imininingwane iyakhokhiswa; ukugcinwa okuzenzakalelayo nokukhumbuza ukucisha; ukuhlanganiswa namabhuro ngezindlela ezigunyaziwe; iphotha lomqashi — abaqashi bangabuka imininingwane abanayo.

Ikhophi: Ukuthobela i-POPIA Kubaniniwe

  • Thola imvumo ebhaliwe ngaphambi kokuhlola kwekhredithi noma emuva
  • Faka isaziso sokuzimela kufomu lesicelo
  • Qoqa kuphela olwazi oluxhumene nokuhlola nokuphatha
  • Gcina ulwazi ngokuphepha
  • Bhekana nezicelo zokufinyelela nokulungisa ngokusheshayo
  • Cisha imininingwane yabafaki sicelo abangaphumelele phakathi nezi-6 zenyanga
  • Ungabi wabelani ngemininingwane ngaphandle kwemvumo
  • Qopha ukucubungula ukuze uhlolwe

Ukuthobela i-POPIA kubaniniwe akusho amaphepha amaningi. Bona ukuthi i-Indlu ibhekelela kanjani imvumo, ukugcina nokuphepha ukuze uhlole abaqashi ngaphandle kwenkinga yokuthobela.

Ibhalwe ngu

Indlu Team

Sithinte