Legal

PAIA Manual

Last updated: 16 October 2026

Prepared in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 (PAIA), as amended by POPIA. It explains how to request records held by Stratum Fintech.

1. Company details

  • Name: Stratum Fintech (Pty) Ltd
  • Registration number: [to be confirmed]
  • Physical address: [to be confirmed]
  • Email: paia@stratumfintech.co.za
  • Website: www.stratumfintech.co.za

2. Information Officer

Information Officer: [name to be confirmed], paia@stratumfintech.co.za. The Information Officer is registered with the Information Regulator and handles all access requests.

3. Guide from the Information Regulator

The Regulator's guide on using PAIA is available at inforegulator.org.za or from: Information Regulator, JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001 · enquiries@inforegulator.org.za.

4. Records available without a request

Our Privacy Policy, Terms and Conditions, this manual, and public product and API documentation on our website.

5. Records held

  • Corporate: incorporation documents, board minutes, shareholder registers.
  • Financial: financial statements, tax records, settlement and reconciliation records.
  • Members: membership links, consent records, wealth allocation records.
  • Merchants and partners: agreements, verification (FICA) records, transaction records.
  • Operational: audit logs, security records, policies.
  • Personnel: employment contracts and payroll records.

6. Records kept under legislation

Including the Companies Act 71 of 2008, Financial Intelligence Centre Act 38 of 2001, Income Tax Act 58 of 1962, VAT Act 89 of 1991, Basic Conditions of Employment Act 75 of 1997, Consumer Protection Act 68 of 2008, and POPIA 4 of 2013.

7. Processing of personal information

The purposes, categories of data subjects, recipients, cross-border transfers and security measures are set out in our Privacy Policy.

8. How to request access

  • Complete Form 2 (Request for Access to Record) prescribed under the PAIA Regulations.
  • Email it to paia@stratumfintech.co.za with proof of identity.
  • Pay the prescribed fees where applicable (none for requesting your own personal information).
  • We respond within 30 days, extendable once by 30 days with notice.

9. Grounds for refusal

Requests may be refused on grounds in Chapter 4 of Part 3 of PAIA, including protecting third-party privacy, commercial information, confidentiality and the safety of systems.

10. Remedies

If refused, you may lodge a complaint with the Information Regulator or apply to court within 180 days.

11. Availability

This manual is available on our website and at our offices.