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Tshikululu Social Investments NPC (“we”, “our”, “us”) are committed to protecting your privacy and complying with applicable data protection and privacy laws. This Privacy Policy details the approach that we take to the use of personal information from, and related to, our clients, website visitors and other interested parties. This privacy policy also tells you about our online collection and use of data when you use our Web site ( (“Site”) and/or when we provide services to you (“Services”).

We use information collected online to develop and enhance the Services we offer to you, including monthly electronic communications, and to help us build our business. We take privacy issues seriously and are open about the way data is collected and used. This policy outlines the principles that we follow.

Please review this privacy policy before using the Site or appointing us to provide Services. If you do not agree to the whole or parts of the terms and conditions contained in this Privacy Policy, do not use our Site or submit any personal information to us. If you do not consent to the provisions of this Policy (or parts of this Policy), we may not be able to offer our Services to you. By using the Site or our Services, you (i) understand and agree to be bound by the terms of this policy, and (ii) expressly consent to us collecting, using, storing or otherwise processing your personal information as set out in this policy, for the purposes indicated herein.

Core Principles

Your privacy is important to us, so we will strive to protect the information you share with us. To protect your privacy, we follow certain basic principles in accordance with global best practices relating to customer privacy and data protection. Except to the extent provided for in this policy, we will not sell or give away your name, e-mail address, phone number, billing address, credit card number or any other personal information to anyone without your express consent and we’ll use industry-standard security measures to protect your information from unauthorised users. 

Collection of Your Personal Information

When you visit the Site, certain kinds of information, such as the Web site that referred you to us, your IP address, browser type and language, and access times, may be collected automatically as part of the Site’s operation. We may also collect navigational information, including information about the pages you view, the links you click, and other actions taken in connection with the Site or the Solutions.

We may combine your visit and navigational information with personal information that you provide. You may always choose not to provide personal information, but, if you so choose, our Services may not be available to you.

Personal information (i.e. any information by which you can be identified and which relates to you as an identifiable individual, such as your name, e-mail address, sex, age, etc.) may be collected when we provide Services to you, when you contact us through the Site or otherwise provide us with same as part of your communications with us. Additional personal information (e.g., your credit card details and billing address) may be collected when we provide our Services to you.

 You warrant that: (i) any personal information that you provide to us shall be and remain complete, accurate and correct, (ii) you will keep us informed of any changes in such personal information, and (iii) you will provide us with any reasonable assistance that we may require in order to enable us to comply with our obligations under applicable privacy laws, and you indemnify us against and hold us harmless from any claim, damages, penalty or fine as a result of a breach of any of these warranties.

Use of Your Personal Information

We collect and use your personal information to operate and improve the Site and our Services, to better understand our clients, and to assist us with administration, such as with troubleshooting any problems, detecting fraud, resolving disputes, and for any purposes deemed necessary or required by us to enforce the Tshikululu Terms of Use and other terms or conditions applicable to any portion of the Site or your access to our Services.

We may also use your contact information to enable us to communicate with you. We may send electronic communications to you such as welcome letters and newsletters in order to build our business. We may also send you marketing communications to inform you of new services or other information that may be of interest. If you do not wish to receive marketing communications, you should follow the “unsubscribe” instructions included within each communication. Please keep in mind that, if you choose not to receive marketing communications, you will continue to receive transactional communications, where applicable.

Personal information collected by us may be stored and processed in South Africa or any other country in which we or our service providers or agents maintain facilities, and by using the Site and our Services, you consent to any such transfer of information outside of your country.

To extent that your use of the Site and/or our Services is regulated by the Protection of Personal Information Act 4 of 2013, (“POPIA”), please see our Privacy Notification in accordance with section 18 of POPIA.

Sharing of Your Personal Information

Except as disclosed in this privacy policy, we do not share your personal information with any outside parties. 
On occasion, we may offer, in conjunction with third parties, certain services that may require you (or us) to share your personal information with that third party as a condition for providing that service. While we will treat any information we receive in accordance with this privacy policy, we will not be responsible for the information submitted by you to that third party and we remind you to review the applicable rules and any third party’s applicable privacy policies separately before participating in such service. 

You expressly consent to us sharing your personal information with service providers who perform services on our behalf. Specifically, we may hire other companies or persons to handle the processing of payments, to provide data storage, to host Websites, to assist in direct marketing, to conduct audits, etc. Those companies or persons will be permitted to obtain only the personal information they need to provide the service. They are required to maintain the confidentiality of the information and are prohibited from using it for any other purpose. 

Information about our users, including personal information, may be disclosed as part of any merger, acquisition, or sale of the company and/or its assets, as well as in the unlikely event of insolvency, bankruptcy, or receivership, in which case personal information would be transferred as one of the business assets of the company. We may notify you of such an occurrence as described in the “Changes to This Privacy Policy” section below.

We reserve the right to disclose your personal information, without notice, if required to do so by law, or in the good-faith belief that such action is reasonably necessary to comply with legal process, respond to claims, or protect the rights, property or safety of our company, employees, users, or the public.

Security of Your Personal Information

Whilst we cannot guarantee the absolute security of your personal information, we take all commercially reasonable measures and precautions to keep it secure and protect it from loss, misuse, unauthorised access or disclosure by following generally accepted security practices, including logical and physical access control mechanisms, as well as taking reasonable steps to identify all reasonably foreseeable internal and external risks to the personal information in our possession or under our control, establishing and maintaining appropriate safeguards against the risks identified, regularly verifying that the safeguards are effectively implemented, and ensuring that the safeguards are continually updated in response to new risks or deficiencies in previously implemented safeguards. However, we cannot accept any liability whatsoever for any unauthorised access or loss of personal information despite our best endeavours.

Personal Information Preferences

We respect your right to make choices about the use and disclosure of your personal information. If at any time you decide that you do not want to receive marketing communications from us, please let us know by sending an e-mail to

If you choose not to receive marketing communications, please be advised that you may continue to receive transactional communications (e.g., confirmation e-mails and account statements), where applicable.

Access to Your Personal Information

You can write to us at any time to obtain details of the personal information we may hold about you at the following address:

Information Officer: 
Name: Ms Tracey Henry
Tel No: +27 (0)11 544 0300
Address:8 Hillside road, Block B Ground Floor
Metropolitan Building 
Parktown, 2193
Please quote your name and address and a brief description of the information you want a copy of to enable us more readily to locate your data. We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you. We may charge a fee to cover the reasonable administration costs involved. 

Use of Cookies and Other Technologies

We may use cookies to help personalise your online experience. A cookie is a small text file that is placed on your hard drive. Cookies contain information, including personal information that can later be read by a Web server in the domain that issued the cookie to you. The information that cookies collect may include the date and time of your visit, your registration information, and your navigational and purchase history.

In some cases, our third-party service providers may use cookies on our Site. We have no access to or control over these cookies. This privacy policy covers the use of cookies by us only and does not cover the use of cookies by third parties.
You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able use certain features of our Site and services that depend on cookies.

E-Mail Monitoring

We provide e-mail addresses on the Site which enable you to contact us. In order to check for viruses and the presence of inappropriate content, we reserve the right to intercept, monitor and inspect all material and information transmitted over our system.


From time to time, we may make online surveys available to users of the Site and our Services, alternatively, we may contact you telephonically to identify your experience of our Services and to elicit your suggestions for improvement. We may likewise ask our market research partners to contact you by telephone as part of a survey of our services. You will be able to choose at the time whether you want to take part in any such survey.

Participation in these surveys is completely voluntary. Some online or telephonic surveys may request participants to provide personal information, such as an e-mail address, in addition to requesting answers to survey questions. We may use that personal information to further contact the participant if necessary, or as otherwise described above. We may make the results of any survey publicly available, although we will not attribute any particular response to you without your permission.


We do not intend to offer services to or solicit or collect personal information from anyone under the age of 18. If you are under 18 (or the age of majority in your country), you should not use or enter information on the Site.


We may link to Web sites that have different privacy policies and practices from those disclosed here. We assume no responsibility for the policies or practices of such linked sites and encourage you to become acquainted with them prior to use.


We intend to take commercially reasonable precautions to abide by this privacy policy. Nevertheless, in the event that we do not comply with all terms contained in this privacy policy, you agree, by using the Site or our Services and by submitting information to the Site, through using our Services or through any other communication you have with us, that your sole and exclusive remedy against us will be to have us promptly correct the handling of your information in the future to accord with this privacy policy and to notify anyone to whom we directly transferred any information of the correct information or to cease using such information.

To the maximum extent allowed by law, we, our subsidiaries, affiliates, and divisions disclaim any other obligation, liability, or warranty to you for any other action, inaction, omission, or other activity that is not in accordance with this privacy policy.

Under no circumstances shall we, our subsidiaries, affiliates and divisions, or their suppliers or licensors be liable for any direct, special, incidental, indirect, economic, consequential or punitive damages (including, without limitation, loss of data or loss of use damages or lost profits) arising out of or connected with this privacy policy, or the failure by us, our subsidiaries, affiliates and divisions, or their suppliers or licensors to adhere to it, even if we, our subsidiaries, affiliates and divisions, or their suppliers or licensors have been notified of the possibility of any damages. This section shall only apply to the maximum extent permitted by applicable law.

We do not exclude (i) liability for damage to any property or death or personal injury caused by the negligence or wilful misconduct of us, our employees or authorised representatives or (ii) liability for fraud.

Applicable Law and Jurisdiction

This privacy policy is governed by and will be interpreted according to the laws of the Republic of South Africa, and all disputes, claims and other matters in connection with this privacy policy will be determined in accordance with such laws.

Changes to This Privacy Policy

We reserve the right to change the terms of this privacy policy at any time. When we make changes, we will revise the “Last Updated” date at the top of the policy. If there are material changes to this statement or in how we will use your personal information, we will notify you by prominently posting a notice of such changes here or on our home page, or by sending you an e-mail. We encourage you to review this policy whenever you visit our Site or access our Solutions.

Contact Information

If you have questions or concerns regarding this privacy policy, or if, for some reason, you believe we have not adhered to these principles, please contact our Information Officer using the contact details set out above.