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★ Legal

PAIA Manual

Published in terms of section 51 of the Promotion of Access to Information Act, 2000 (Act 2 of 2000).

1. Particulars of the private body

  • Name: Stellar Loans (Pty) Ltd
  • Type of business: Registered short-term credit provider
  • NCR registration: NCRCP [insert number]
  • Postal address: [insert]
  • Physical address: [insert]
  • Website: stellarloans.co.za

2. Information Officer

3. Information Regulator (South Africa)

4. Guide on how to use the Act

A guide on how to exercise your rights under PAIA is available from the Information Regulator. We will refer you to this guide on request and provide it free of charge in electronic format.

5. Categories of records held

  • Loan applications and supporting affordability information (NCA s.81)
  • Identity verification documents (copies of SA IDs, ID selfies)
  • Banking records (bank statements, account details, payslips)
  • Communications with applicants (email, WhatsApp, call notes)
  • Credit decisions, pre-agreement quotes, and signed credit agreements
  • Payment, settlement and collections records
  • Internal corporate records (registration, financial statements, employee records)

6. Records automatically available

The following records are freely available on our website without a formal PAIA request:

7. How to request access

A request must be made on Form 02 of the Promotion of Access to Information Regulations and submitted to the Information Officer at the contact details above. The form is available from the Information Regulator's website.

Your request must include:

  • Sufficient particulars to enable us to identify the record and you as the requester
  • The form of access you require
  • An address in the Republic to which we can send our response
  • If the request is on behalf of another person, proof of authority

8. Fees

Fees are charged in accordance with the prescribed PAIA fee schedule (Regulation 7). A request fee of R50 may be payable, plus an access fee based on the time taken to retrieve and reproduce the record. We will notify you of any fees before processing.

9. Grounds for refusal

We may refuse access where the record falls within the mandatory or discretionary grounds for refusal in Chapter 4 of PAIA — for example, unreasonable disclosure of another person's personal information, or information protected by legal privilege.

10. Remedies

If your request is refused, or you are dissatisfied with the response, you may submit a complaint to the Information Regulator or apply to a court for relief in terms of section 78 of PAIA.