BY ACCESSING AND USING OUR SERVICES, SCANNING ANY QR CODE OR ENTERING ANY USSD OR OTHER NUMBER, AND/OR OUR SERVICES, THE USER IS PROVIDING THEIR EXPRESS AND VOLUNTARY CONSENT TO THE PROCESSING OF THEIR PERSONAL INFORMATION BY GOLDENMARC (PTY) LTD (“GOLDENMARC”) ON THE BASIS SET OUT IN THIS PRIVACY NOTICE. IF THE USER DOES NOT CONSENT, THE USER MUST IMMEDIATELY STOP ACCESSING AND/OR USING THIS WEBSITE AND OUR SERVICES.
1.1 GOLDENMARC collects, uses and, in some circumstances, shares the personal information of Users in and through this online service (“website”) and during the provision of services to you.
1.2 GOLDENMARC respects the rights of Users whose personal information is collected and used by it, including their right to protection against the unlawful collection, retention, sharing and use of such personal information.
2. Definitions and interpretation
2.1.1 ‘‘consent’’ means any voluntary, specific and informed expression of will in terms of which permission is given by or on behalf of a User for the processing of their personal information;
2.1.2 ‘‘direct marketing’’ means to approach a data subject, either in person or by mail or electronic communication, for the direct or indirect purpose of promoting or offering to supply any goods or services to the data subject;
2.1.3 ‘‘information officer’’ means the responsible security officer of GOLDENMARC from time to time.
2.1.4 ‘‘operator’’ means an outside third party who processes personal information for or on behalf of GOLDENMARC in terms of a contract or mandate;
2.1.5 ‘‘personal information’’ means any information linked to a User or information that can identify a User, including but not limited to:
188.8.131.52 information relating to a User’s gender, nationality, ethnic or social origin age, language;
184.108.40.206 a User’s e-mail address, physical address, telephone number, location information or online identifier;
220.127.116.11 a User’s financial information including banking details and invoice information;
18.104.22.168 a User’s personal opinions, views or preferences;
22.214.171.124 correspondence sent by a User which is of a private or confidential nature;
126.96.36.199 the User’s special personal information, including without limitation information about a User’s health; and
188.8.131.52 the User’s name if it appears with other personal information relating to that User, or if the disclosure of their name on its own would reveal further personal information about that User;
2.1.6 ‘‘POPIA’’ means the Protection of Personal Information Act of 2013, including any regulations or codes of conduct promulgated under it;
2.1.7 ‘‘PAIA’’ means the Promotion of Access to Information Act 2 of 2000;
2.1.8 ‘‘process or processing’’ means, in relation to personal information, any operation or activity or any set of operations, whether or not by automatic means, including:
184.108.40.206 the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use of that information;
220.127.116.11 dissemination by means of transmission, distribution or making available in any other form; or
18.104.22.168 merging, linking, as well as restriction, degradation, erasure or destruction of that information;
2.1.9 “special personal information” means the religious or philosophical beliefs, race or ethnic origin, trade union membership, political persuasion, health, sex life or any biometric information of a User; and may include criminal behaviour of a User to the extent such data relates to the alleged commission of the User of an offence or any proceedings in respect of any offence allegedly committed by a User or the disposal of such proceedings
2.1.10 “services” means the services provided to any User by GOLDENMARC;
2.1.11 ‘‘User’’ means a visitor or user of this website, or any of the content or services associated with this website; and
2.1.12 ‘‘the website’’ means the website or any part thereof which is accessible from www.goldenmarc.co.za
2.2.1 the singular includes the plural and vice versa;
2.2.2 any one gender includes the other genders, as the case may be;
2.2.3 an act, regulation or other law is to the version of that law in force at the effective date of this Policy and includes any amendment or re-enactment made to that law after the effective date of this Policy.
2.3 When calculating any number of days for the purposes of this Policy, the first day must be excluded and the last day of the relevant interval included, unless the last day is not a business day, then the last day will be the next succeeding business day.
2.4 The word “include” means “include without limitation”. Use of the word ‘’include’’ or ‘’in particular’’ is for illustration or emphasis only and where followed by specific examples must not be interpreted as limiting the meaning of the general wording preceding it.
3. Responsible party
3.1 GOLDENMARC will be the party who will be collecting and processing a User’s personal information and as such is designated as the ‘’responsible party’’ for the purposes of this Policy.
3.2 GOLDENMARC‘s contact details are as follows:
3.2.1 Email address: firstname.lastname@example.org
3.2.2 Website address: www.goldenmarc.co.za
3.3 GOLDENMARC may instruct third party operators from time to time to undertake certain processing activities relating to the User’s personal information.
4. What personal information is collected?
4.1 GOLDENMARC may collect the following personal information from the User:
4.1.1 Initials, first name, surname;
4.1.2 Health information;
4.1.3 Biometric information;
4.1.4 Date of birth;
4.1.5 Email address;
4.1.6 Age and language preference;
4.1.8 Cell phone number;
4.1.9 Physical address;
4.1.10 Geo-location and geocoding data;
4.1.11 Employment details;
4.1.12 Credit and financial risk information;
4.1.13 Banking and credit card details;
4.1.14 Family or relationships;
4.1.15 Internet protocol addresses;
4.1.16 Social media profiles;
4.1.17 LSM classification;
4.1.19 Education details;
4.1.20 Criminal record;
4.1.21 Vehicle license/registration details; and
4.1.22 Identity or passport number.
4.2 The supply of personal information by the User to GOLDENMARC is voluntary and not mandatory. However, if the User refuses to supply any personal information, certain consequences may naturally flow from such a refusal, such as preventing GOLDENMARC from concluding or performing any contract with the User, or preventing GOLDENMARC from complying with one or more of its obligations in law.
4.3 There are certain laws which require or authorise GOLDENMARC to collect a User’s personal information, including the National Credit Act 34 of 2005 and regulations and directives issued under this Act.
5. Purpose/s for collection and processing of personal information
5.1 GOLDENMARC shall only collect a User’s personal information for a specific, explicitly defined and lawful purpose relating to a function or activity of GOLDENMARC‘s business.
5.2 Such purposes may include the following:
5.2.1 to enter into a contract with a User including the undertaking to provide a product or service;
5.2.2 to perform any obligations under a contract with a User;
5.2.3 to comply with a legal obligation;
5.2.4 to protect a legitimate interest of a User (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds);
5.2.5 to pursue its own legitimate interests or the legitimate interests of a third party who it is sharing the information with (unless the User has specifically objected in writing to all or some of the processing activities on reasonable grounds);
5.2.6 to process personal information for direct marketing purposes (only if the User has opted in to receiving any direct marketing material);
5.2.7 to customise and display content to the User in a way that GOLDENMARC feels may interest the User or be most beneficial to them;
5.2.8 to send content including, but not limited to products, articles, listings and advertisement content to the User via email or other electronic media, where the User has consented to be contacted by GOLDENMARC with such content;
5.2.9 to enable the User to voluntarily participate in interactive features;
5.2.10 to notify the User about changes to the website or services.
5.3 If GOLDENMARC intends to process a User’s personal information for any other purpose not listed in clause 5.2 or which is otherwise not automatically permitted by law, it shall ensure that it obtains the User’s written consent to do so.
5.4 GOLDENMARC will not sell a User’s personal information to any third party without the prior written consent of the User.
6. Collection directly from user
6.1 GOLDENMARC shall, as far as possible, always collect personal information about a User directly from the User, except in the following circumstances:
6.1.1 Where personal information is collected from a public record, or from another source if the information has already been made public by the User;
6.1.2 where the User has given their written consent to GOLDENMARC to collect their information from another source;
6.1.3 where the collection of a User’s personal information from another source will not prejudice any of the User’s legitimate interests;
6.1.4 where the collection of personal information from another source is necessary to maintain GOLDENMARC’s legitimate interests or those of any third party it intends sharing the information with;
6.1.5 where the collection of personal information directly from the User would prejudice the purpose for the collection;
6.1.6 where the collection of personal information directly from the User is not reasonably practicable in the circumstances.
6.2 If GOLDENMARC collects personal information from a source other than the User, it shall record in writing the details of that source, including the full names and contact details of that source where applicable.
6.3 Personal information may be collected from or supplied by the User in any of the following ways:
6.3.1 during the process of scanning a QR Code or sending a SMS, USSD number or WhatsApp message;
6.3.2 when subscribing to or contracting for a service;
6.3.3 when requesting further services or information from GOLDENMARC;
6.3.4 when engaging with the GOLDENMARC via social media platforms including messaging and meeting platforms;
6.3.5 when contacting GOLDENMARC to report a problem with the website or the services or for any other reason;
6.3.6 when completing any forms on the website.
6.4 The User may visit the website without providing any personal information. However, the website’s servers may still collect technical information regarding the use of the website, which is aggregated for analytical purposes, technical maintenance and for improving the content offered on the website. Such information may include details of the User’s visit, information about the User’s computer, including IP (Internet Protocol) address, operating system and browser type, the User’s location, and usage information. An individual User will not be identified from or by this information and GOLDENMARC is entitled to copy, distribute or otherwise use such information without limitation.
7.1 “Cookies” are small text files transferred by a webserver to a User’s hard drive and thereafter stored on their computer. The types of information a Cookie collects includes a User’s username, the date and time of their visits to the website, their browsing history and preferences.
7.2.1 distinguish one User from another on the website;
7.2.2 remember the User’s last session when they return to the website;
7.2.3 estimate the website’s audience size and usage patterns;
7.2.4 store information about the User’s preferences, which allows GOLDENMARC to customize the website and content according to the Users individual preferences; and
7.2.5 speed up searches on the website.
8. General conditions for processing personal information
8.1 GOLDENMARC shall comply with all laws, contracts or regulations when it processes a User’s personal information.
8.2 GOLDENMARC shall not act unreasonably when processing a User’s personal information. This means that it will collect and process a User’s personal information in a way that the User can reasonably expect and in a way that is fair.
8.3 GOLDENMARC shall respect the User’s right to privacy at all times. If there is another way in which it can achieve the same goal without posing any risk of harm to the privacy rights of the User, then it will choose that option.
8.4 Similarly, if GOLDENMARC needs to process personal information but there are less privacy-invasive methods of collecting, using and sharing that information, then it will use those methods.
8.5 GOLDENMARC shall ensure that the personal information that is collected and processed is and remains relevant to the identified purpose/s for such processing, and that such information is and remains adequate, but not excessive, for achieving the identified purpose/s.
8.6 If there are any alternative ways to achieve the identified purpose/s without processing personal information, GOLDENMARC shall not process that personal information.
8.7 GOLDENMARC shall ensure that the processing activities it chooses to apply are proportionate to achieving the identified purpose/s and that no less privacy invasive measures are available to achieve the same purpose/s.
8.8 GOLDENMARC shall ensure that, regardless of the stated purpose/s for processing personal information, the rights and interests of Users will not be unnecessarily prejudiced or infringed, unless it cannot be avoided, and then in such cases, it shall ensure that its own rights and/or interests justify such prejudice or infringement taking place.
8.9 GOLDENMARC shall be entitled to store the personal information of Users indefinitely unless the User objects thereto. In the event a User objects to the indefinite storage, once GOLDENMARC has achieved the purpose for the collection of the User’s personal information, it will destroy or delete such information, unless the User has directed otherwise in writing, or GOLDENMARC is required by law to retain the information for a longer period of time.
8.10 If GOLDENMARC no longer needs to process personal information to achieve the purpose originally specified, it will stop using that information.
9. Disclosure and sharing of personal information
9.1 GOLDENMARC may, in the course of providing any content or services on this website, or for the purposes of concluding or performing any other services or transaction with a User, share certain personal information with third party operators who perform certain processing activities on behalf of GOLDENMARC.
9.2 The information shared and the categories of third party operators with whom it is shared will always be notified to you prior to being shared. Notwithstanding the aforegoing, you consent to us sharing your personal information with the following operators for, amongst other things, the purposes of curbing the spread of any contagion (including for subsequent research purposes relating to COVID-19 or any other viral outbreak):
9.2.1 Suppliers and third party service providers;
9.2.2 The Department of Health;
9.2.3 The Department of Labour;
9.2.4 The National Centre for Infectious Diseases;
9.2.5 Other regulators or government departments;
9.2.6 Universities and research institutes;
9.2.7 Medical institutes including laboratories; and
9.2.8 Statisticians or other analytical data modelling entities.
9.3 GOLDENMARC may also share aggregated information about Users of this website and their usage patterns. GOLDENMARC may also use such aggregated information to help advertisers target specific audiences. Such aggregated information will be de-identified and the User’s personal information will not be disclosed.
9.4 Other than as stated in clause 9.1 and 9.3, GOLDENMARC shall not share a User’s personal information with any third parties unless it has the User’s express consent to do so.
10. User’s rights in relation to the processing of their personal information
10.1 Users shall have the following rights in relation to the processing of their personal information:
10.1.1 to access and correct any personal information held by GOLDENMARC about them;
10.1.2 to object to the processing of their information; and
10.1.3 to lodge a complaint with the Information Regulator.
10.2 Users may make a request in terms of clause 10.1.1 by following the process for making such a request as set out in GOLDENMARC’s PAIA manual.
11. Further processing
11.1 GOLDENMARC shall not process a User’s personal information for any purpose not previously specified except in the following circumstances:
11.1.1 where the User has consented to such further processing;
11.1.2 where the further processing is necessary for the exercise of any contractual rights or the fulfillment of any obligations between GOLDENMARC and the User;
11.1.3 where the further processing activities are linked to or compatible with the original purpose;
11.1.4 where the further processing is necessary for the prevention, detection, investigation, prosecution and punishment of an offence;
11.1.5 where the further processing is necessary to enforce any law;
11.1.6 where the further processing is necessary for the conduct of legal proceedings in any court or tribunal that have commenced or are reasonably contemplated;
11.1.7 where the further processing is necessary to prevent or mitigate a serious and imminent threat to the life or health of the User or another individual;
11.1.8 where the further processing is necessary for historical, statistical or research purposes.
11.2 GOLDENMARC shall ensure that if it intends processing personal information for other purposes not previously specified, it shall notify the User of such further purposes and the possible consequences of the intended further processing for the User.
12. Accuracy, correctness and completeness of personal information
12.1 GOLDENMARC shall take reasonably practicable steps to ensure that the personal information kept by it about Users is complete, accurate, not misleading and is updated when necessary.
12.2 However, if a User is aware of any personal information in GOLDENMARC’s custody that is incorrect, inaccurate or which needs to be updated, the User must make a written request to GOLDENMARC’s information officer to update or correct the relevant information.
12.3 If a User has contested the accuracy of any personal information being used by GOLDENMARC, it shall immediately stop using that information until its accuracy has been verified.
12.4 GOLDENMARC reserves its right to only adhere to a request from a User in terms of clause 12.2 if the correction or updating of that information will result in the personal information being correct and accurate.
12.5 Where personal information that has been shared by GOLDENMARC with a third party is subsequently updated or corrected, GOLDENMARC shall ensure that all third parties, with whom that information was shared, receives the updated and/or corrected version of the information as soon as it has been updated and/or corrected.
13. Security safeguards
13.1 GOLDENMARC is committed to protecting the personal information in its custody against any loss of, damage to or unauthorised destruction of that information, and to prevent any unauthorised parties from accessing that information.
13.2 GOLDENMARC takes steps to continually identify and document any risks to the personal information it has in its possession or under its control and that appropriate security safeguards are in place against those risks.
13.3 GOLDENMARC shall ensure that in any contracts entered into with third party operators who process personal information on GOLDENMARC’ behalf, include the following obligations:
13.3.1 the operator shall not process any personal information without GOLDENMARC’s knowledge and authority;
13.3.2 the operator shall treat all personal information given to it as confidential and shall not disclose it to any unauthorised third parties;
13.3.3 the operator shall establish and maintain adequate security measures which are the same or offer similar protection over the personal information as that employed by GOLDENMARC;
13.3.4 the operator shall notify GOLDENMARC immediately where there are reasonable grounds to believe that any personal information has been leaked to or accessed by any unauthorised person;
13.3.5 if the operator is situated in another country, it must comply with the data protection laws in that country and be able to provide verification that it is so compliant;
13.3.6 if an operator is legally obliged to disclose any personal information processed by them on GOLDENMARC’ behalf to other parties, it must notify GOLDENMARC beforehand to enable GOLDENMARC and/or individual Users to protect their rights if necessary.
13.4 GOLDENMARC shall ensure that all personal information on its systems is properly backed-up and that back-up copies are stored separately and off-site from the live files.
14. Notification of breach of security
14.1 If personal information about a User is inadvertently leaked or GOLDENMARC’s security has been unlawfully breached by any unauthorised party, GOLDENMARC shall immediately identify the relevant Users who may be affected by the security breach, and shall contact them at their last known email address or contact details or by the quickest means possible.
14.2 GOLDENMARC shall provide sufficient information to the User to allow him or her to take the necessary protective measures against the potential consequences of the compromise, or shall advise Users of the steps to be taken by them and the possible consequences that may ensue from the breach for them.
15. Decisions based on personal information processed
15.1 If GOLDENMARC is required to make a decision about a User using any personal information that has been obtained, it shall ensure that a record of such information and the decision made is kept for a reasonable period of time to give the User an opportunity to request access to that record.
15.2 GOLDENMARC shall allow a User a reasonable opportunity to make representations before any decision is made solely on the basis of the personal information processed, if that decision will affect the legal position of the User, or will otherwise adversely affect them in some manner or form.
15.3 GOLDENMARC shall always ensure that the underlying logic behind any decision made pursuant to the automated processing of personal information is sound and that this underlying logic can be communicated to the User to enable them to make representations.
15.4 If GOLDENMARC has made a decisions based on incorrect personal information, it shall immediately revisit that decision as soon as it receive Policy or becomes aware of the error or inaccuracy of that information.
16. Linked third party websites
16.1 This website may contain links or references to other websites, including those of advertisers (“third party websites“) which are not under GOLDENMARC’s control.
17. Direct marketing
17.1 The User hereby consents to the processing of their personal information for the purpose of direct marketing by means of electronic communications including automatic calling machines, facsimile machines, software applications, SMS’s or electronic mail.
17.2 GOLDENMARC will only send electronic communications to the User for the purpose of marketing similar products or services offered by GOLDENMARC, with the User’s consent.
17.3 The User may object, free of charge, and without unnecessary formality, to the use of their details either when the information was first collected from them or when each subsequent electronic communication is sent to them by GOLDENMARC.
17.4 The User can opt out of receiving further marketing communications by unchecking certain boxes on the forms used on the website to collect their personal information, or by contacting GOLDENMARC at email@example.com.
18. Children’s personal information
19. Cross border Transfers of personal information
19.1 GOLDENMARC may transfer personal information to another country in the following circumstances:
19.1.1 the transfer is necessary for the performance of a contract that GOLDENMARC has with the User;
19.1.2 the transfer is necessary for the conclusion or performance of a contract with a third party which is for the benefit of or in the interest of the User;
19.1.3 the transfer is otherwise for the benefit of the User;
19.1.4 the transfer is for research purposes to prevent or curb the spread of a contagion another viral outbreak; or
19.1.5 the User has consented to the transfer of their information.
19.2 If GOLDENMARC is required to transfer personal information from South Africa to a third party in a foreign country, such foreign country may not have data protection laws with a similar or adequate level of protection as POPIA.
20. Retention of information
20.1 GOLDENMARC will keep a record of any personal information collected for no longer than agreed by the User or as is necessary to achieve the specific purpose for which it collected such information in the first place unless:
20.1.1 It is required by law to keep a record of such information for a longer period of time; or
20.1.2 It needs to keep a record of such information for another lawful purpose; or
20.1.3 It has a contractual obligation to keep a record of such information; or
20.1.4 The User has consented to their information being kept for a longer period.
20.2 GOLDENMARC may, if it has de-identified personal information, kept such information for historical, statistical or research purposes. GOLDENMARC shall ensure that appropriate safeguards are in place to prevent those records from being used for any other purposes, or against the information being re-identified.
21. Returning, destroying or deleting personal information
21.1 Where GOLDENMARC is no longer authorised to retain a record of any personal information, it shall either:
21.1.1 ensure that the information is permanently destroyed or deleted as soon as reasonably practicable; or
21.1.2 return the information to the User or transfer it to a third party, if requested by the User in writing to do so.
22.2.1 the types of personal information to be processed, including specifically special personal information;
22.2.2 the specific processing activities to be undertaken;
22.2.3 the specific purpose/s for such processing; and
22.2.4 the possible consequences for the User that may arise from such processing.
22.3 Should a User wish to withdraw any consent previously given by the User, they must notify GOLDENMARC’s information officer in writing.
23. Lodging an objection
23.1 A User may, on reasonable grounds, object to the processing of their personal information at any time after that processing has started.
23.2 If a User wishes to object to the processing of their personal information, they must send written notice of their objection to GOLDENMARC’s information officer, together with their reasons for doing so.
24. Choice of Law
For more information on your rights to privacy over your information, or the information processing activities of GOLDENMARC, please do not hesitate to contact us directly.