Ukuthobela i-POPIA Kwabanini-mizi: Into Omele Uyenze Phambi Kokuhlola Abaqashi

Ukusukela i-Protection of Personal Information Act (POPIA) yaqala ukusebenza ngokupheleleyo ngomhla we-1 July 2021, ukuthobela i-POPIA kwabanini-mizi kube yinto eyalelweyo. Umnini-mzi ngamnye waseMzantsi Afrika oqokelela idatha yomqashi — oko kuthetha umnini-mzi ngamnye ohlola abaceli — unemisebenzi yomthetho malunga nendlela idatha eqokelelwa, igcinwa, isetyenziswa, yaze yacinywa ngayo.

Yeka i-POPIA uze ufaneleke iintlawulo zokuya ku-R10 million, ukubanjwa, okanye kokubini. Ngokwenene, umqashi oziva ukuba idatha yakhe ayiphathwanga kahle unokudlulisa isikhalazo ku-Information Regulator, oku kuqala uphando ongumnini-mzi angamfuni.

Esi sikhokelo sichaza ngokucacileyo into efuneka yi-POPIA kwabanini-mizi nendlela yokuhlala usithobela ngaphandle kokuminxa ngamaphepha.

Yintoni i-POPIA Kutheni Ibalulekile Kwabanini-mizi?

I-POPIA ngumthetho waseMzantsi Afrika wokukhusela idatha, owakhiwe ngokomzekelo we-GDPR yase-EU. Ilawula ukuphathwa kolwazi lomntu ngamnye okanye umbutho — kubandakanya abanini-mizi abangabanye nabaphathi bempahla.

Njengomnini-mzi, uphatha ulwazi lomntu nanini na xa u: uqokelela ifom yokucela ukuqasha; wenza ukuhlolwa kwekhredithi nge-TPN, TransUnion okanye Experian; uqinisekisa ubuni bomceli (inombolo ye-ID, ipasipoti); uxhumana nomqeshwa ukuqinisekisa umvuzo; ufumana iindululo kubanini-mizi bangaphambili; ugcina iinkcazo zomqashi, izivumelwano zokuqasha okanye irekhodi lentlawulo. Zonke ezi micimbi zingaphantsi kwe-POPIA. Nguwe umthathi-noxanduva (umntu omisela injongo neendlela zokuphatha), umqashi okanye umceli ng umntu wedatha (umntu olwazi lwakhe luphathwa).

Xa Imvume Ebhaliweyo Ifuneka

Ngaphantsi kwe-POPIA Section 11, ulwazi lomntu kufuneka luphathwe ngokomthetho. Kwabanini-mizi, isiseko esilungileyo semvume yimvume — ngakumbi xa usenza ukuhlolwa kwekhredithi nokuhlola ngemva. Bona isikhokelo sokuhlola abaqashi eMzantsi Afrika.

Phambi Kokuhlolwa Naluphi Na Ukuhlolwa Kwekhredithi

Kufuneka ufumane imvume ebhaliweyo yomceli phambi kokuba: uhlole ikhredithi naluphi na ibhuro (TPN, TransUnion, Experian); ufikelele kurekhodi lwabo lobugwenxa; usenze uphando lwe-ofisi yamadeeds; uqinisekise ubuni ngomboneleli wesithathu. Imvume kufuneka ibe: Nkqo — ichaze ngokucacileyo ukuhlolwa okuya kukwenza; Elenelwe ulwazi — umceli kufuneka aqonde into avumelayo; Yokuzithandela — umceli akafaneleke aphoqwe (nangona unokwenza ukuhlolwa kube yimo yeprosesi yakho); Ebhaliweyo okanye irekhodiwe — imvume yomlomo inzima ukuyibonakalisa.

Idatha Onokuyiqokelela Nokuyigcina

Umgama we-POPIA wokunciphisa (Section 10) uthetha ukuba kufuneka uqokelele ulwazi olunxulunyaniso ngqo nenjongo. Ukuhlola umqashi, idatha efanayo ibandakanya: igama elipheleleyo nesibongo; inombolo ye-ID okanye yepasipoti; iinkcazo zokuthintana (umnxeba, i-imeyili, idilesi); inkcazo yomsebenzi (igama lomqeshwa, isihloko somsebenzi, ixesha); ulwazi ngemvuzo (umvuzo, eminye imithombo); iziphumo zokuhlolwa kwekhredithi; imbali yokuqasha nendululo zomnini-mzi; iinkcazo ze-akhawunti yebhanki (ukuqokelela umqasho nge-debit order). Akufuneki ukuhlola: irekhodi yezifo; ukuzibandakanya neqela lepolitiki; inkolo; ubulili; idatha ye-biometric — ngaphandle kokuba kuyimfuneko ngokukodwa ukufikelela kwesakhiwo.

Iimali Zokungathobeli

I-Information Regulator inokubeka: iintlawulo zolawulo zokuya ku-R10 million; ugwelo lwobugwenxa oluholela ekuboshweni ukuya kumnyaka we-10 (kwizono ezibuhlungu njengokuthengisa ulwazi lomntu); izimangalo zomntu kubantu bedatha abahluphekileyo ngenxa yokungathobeli. Ngokwenene, i-Information Regulator igxile ekugxininiseni ukophulwa kwedatha okukhulu nokungathobeli okusembindini. Kodwa abanini-mizi abangabanye abasindisiwe — isikhalazo somqashi omnye sinokuqala uphando.

Indlela i-Indlu Iphatha Ngayo i-POPIA Kuwe

Ukuthobela i-POPIA kwakhelwe kwisinyathelo ngasinye senkqubo yokuphatha abaqashi ye-Indlu: Amafom emvume azenzekelayo — yonke isicelo sokuhlola sibandakanya ifom yemvume ehambelana ne-POPIA umceli ayisayine ngedijithali phambi kokuhlolwa; Umgca wokugqitha — i-Indlu irekhoda yonke imicimbi yokuphatha (ubani ofikelele kwi, nini, nantoni); Ukugcina okhuselekileyo — lonke ulwazi lomntu lukhuselwe xa luhlala naxa luhamba; Ukugcina okuzenzekelayo — i-Indlu ibonisa idatha edlulile ixesha layo yokugcina ikhuthaze ukuphinda uyijonge uyicime; Ukudityaniswa neebhuro — ukuhlolwa kwekhredithi nge-TPN, TransUnion ne-Experian kwenziwa ngamachannel avumelekileyo; Iportal yomqashi — abaqashi banokubona idatha ogcina ngayo banokucela ukulungiswa.

Awudingi ukuba nguchule ekukhuseleni idatha. I-Indlu iphatha ukuthobela ukuze ugxile ekufumaneni abaqashi abahle. Bona indlela i-Indlu iphatha ngayo imvume, ukugcina nokugcina okhuselekileyo ukuze uhlole abaqashi ngaphandle kweentloko zokuthobela.