POPI and Privacy Policy

1. Introduction

1.1 Overview

Where we refer to “process”, it means how we collect, use, store, make available, destroy, update, disclose, or otherwise deal with personal information. As a general rule, we will only process this personal information if it is required to deliver or offer a service, provide a product, or carry out a transaction or obligation in a contract.
We may combine this personal information and use the combined personal information for any of the purposes stated in this Privacy Policy.
If you use our other services, goods, products and service channels you agree that we may process this personal information as explained under this Privacy Policy. Sometimes you may provide us with consent to process this personal information.
Blue Bean Software is a global organisation and as such this Privacy Policy will apply to the processing of personal information by any member of Blue Bean Software globally. If Blue Bean Software processes personal information for another party under a contract or a mandate, the other party’s privacy policy will apply to the processing of such information.
Blue Bean Software can change this Privacy Policy from time to time if the law or our business practices require such change.
This policy establishes a general standard for the appropriate protection of personal information (POPI) within the Blue Bean Software environment. Furthermore, it provides principles regarding the rights of individuals to privacy and to reasonable safeguards of their personal information.

1.2 Scope

All employees, contractors, consultants, temporary and other workers at Blue Bean Software, including all personnel affiliated with third parties must adhere to this policy. This policy applies to information assets owned or leased by Blue Bean Software, or to devices that connect to a Blue Bean Software network or reside at a Blue Bean Software site.

2. Policy Statement

2.1 What is personal information?

Personal information refers to any information that identifies you or specifically relates to you, or your employees stored or processed by us. Personal information includes, but is not limited to, the following information about you and/or your employees:

National origin
Age
Language
Birthplace
Education
Relevant financial history
Identifying number (like an employee number, identity number or passport number)
E-mail address; physical address (like residential address, work address or your physical location); telephone number
Biometric information (like fingerprints, signatures, or voice)
Race; gender; sex; pregnancy status; ethnic origin; social origin; colour; sexual orientation
Physical health; mental health; well-being; disability; religion; belief; conscience; culture
Medical history; criminal history; employment history
Personal views, preferences and opinions
Another’s views or opinions about you
Full names and initials

Personal information includes special personal information, as explained below.

2.2 When will we process your personal information?

We will only process this personal information for lawful purposes relating to our business if the following applies:

If you have consented thereto
If a person legally authorised by you, the law or a court, has consented thereto
If it is necessary to conclude or perform under a contract we have with you
If the information is being used for any Human Resource or payroll-related requirement (if you are seeking employment or employed by us)
If the law requires or permits it
If it is required to protect or pursue your, our or a third party’s legitimate interest

2.3 What is special personal information?

Special personal information is personal information about the following:

Race (like where a company submits reports to the Department of Labour where the statistical information must be recorded)
Ethnic origin
Trade union membership
Health (like where you apply for an insurance policy)
Biometric information (like to verify your identity); and/or your criminal behaviour and alleged commission of an offence

2.4 When will we process your special personal information?

We may process your special personal information in the following circumstances:

If you have consented to the processing
If the information is being used for any Human Resource or payroll-related requirement (if you are seeking employment or employed by us)
If the processing is needed to create, use or protect a right or obligation in law
If the processing is for statistical or research purposes and all legal conditions are met
If the special personal information was made public by you
If the processing is required by law

2.5 When and from where we obtain personal information about you

We collect personal information from you directly
We may collect personal information from a public record or if you have deliberately made the information public.
We collect personal information from third parties that are directly integrated with our software platform
We collect information about you based on your use of products, services, or service channels.
We collect information about you based on how you engage or interact with us such as via emails, letters, telephone calls and surveys
We collect personal information from completed forms, i.e. contact and billing information

If the law requires us to do so, we will ask for your consent before collecting personal information. The third parties from whom we may collect your personal information include, but are not limited to, the following:

Our partners, your employer, employees directly, any of our other Bureau or channel partners and any connected companies, subsidiary companies, its associates, cessionaries, delegates, assigns, affiliates or successors in title and/or appointed third parties (like its authorised agents, partners, contractors and suppliers) for any of the purposes identified in this Privacy Policy;
Your spouse, dependents, partners, employer, and other similar sources;
People you have authorised to share your personal information, like a person who makes a travel booking on your behalf or a medical practitioner for insurance purposes;
Attorneys, tracing agents, debt collectors and other persons who assist with the enforcement of agreements;
Payment processing service providers, merchants, banks, and other persons that assist with the processing of your payment instructions, like EFT transaction partners.
Insurers, brokers, other financial institutions or other organisations that assist with insurance and assurance underwriting, the provision of insurance and assurance policies and products, the assessment of insurance and assurance claims, and other related purposes;
Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
Regulatory authorities, industry ombudsman, governmental departments, local and international tax authorities;
Trustees, Executors or Curators appointed by a court of law;
Our service providers, agents and sub-contractors like couriers and other persons we use to offer and provide products and services to you;
Courts of law or tribunals;

2.6 Reasons we need to process your personal information

We will process your personal information for the following reasons:

To provide you with products, goods and services;
To market our products, goods and services to you;
To respond to your inquirieses and complaints;
To comply with legislative, regulatory, risk and compliance requirements (including directives, sanctions and rules), voluntary and involuntary codes of conduct and industry agreements, or to fulfil reporting requirements and information requests;
To conduct market and behavioural research, including scoring and analysis, to determine if you qualify for products and services or to determine your credit or insurance risk;
To develop, test and improve products and services for you;
For historical, statistical and research purposes, like market segmentation;
To process payment instruments;
To create, manufacture and print payment advice;
To enable us to deliver goods, documents or notices to you;
For security, identity verification and to check the accuracy of your personal information;
To communicate with you and carry out your instructions and requests;
For customer satisfaction surveys, and promotional offerings.
To enable you to take part in and make use of value-added products and services;
To assess our lending and insurance risks; and/or
For any other related purposes.

2.7 How we use your personal information for marketing purposes

We will use your personal information to market our services, related products and services to you
We may also market non-banking or non-financial products, goods or services to you
We will do this in person, by post, telephone, or electronic channels such as SMS, email and fax
If you are not our customer, or in any other instances where the law requires, we will only market to you by electronic communications with your consent
In all cases, you can request us to stop sending marketing communications to you at any time

2.8 When, how and with whom we share your personal information

In general, we will only share your personal information if any one or more of the following apply:

If you have consented to this
If it is necessary to conclude or perform under a contract we have with you
If the law requires it; and/or
If it’s necessary to protect or pursue your, our or a third party’s legitimate interests

Where required, each member of Blue Bean Software may share your personal information with the following persons. These persons have an obligation to keep your personal information secure and confidential.

Other members of Blue Bean Software, its associates, cessionaries, delegates, assigns, affiliates or successors in title and/or appointed third parties (like its authorised agents, partners, contractors and suppliers) for any of the purposes identified in this Privacy Policy
Our employees, as required by their employment conditions
Attorneys, tracing agents, debt collectors and other persons who assist with the enforcement of agreements
Payment processing services providers, merchants, banks and other persons that assist with the processing of your payment instructions, like 3rd party EFT service providers
Law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime
Regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities and other persons the law requires us to share your personal information with
Our service providers, agents and sub-contractors like couriers and other persons we use to offer and provide products and services to you
Persons to whom we have ceded our rights or delegated our obligations to under agreements, like where a business is sold
Courts of law or tribunals that require the personal information to adjudicate referrals, actions or applications;
Trustees, Executors or Curators appointed by a court of law
Participating partners in our customer loyalty reward programmes, where you purchase goods, products, and services or spend loyalty rewards; and/or our joint venture and other partners with whom we have concluded business agreements, for your benefit

2.9 Under what circumstances will we transfer your information to other countries?

We will only transfer your personal information to third parties in another country in any one or more of the following circumstances:

Where your personal information will be adequately protected under the other country’s laws or an agreement with the third party recipient
Where the transfer is necessary to enter into or perform under a contract with you, or a contract with a third party that is in your interest
Where you have consented to the transfer; and/or
Where it is not reasonably practical to obtain your consent, the transfer is in your interest

This transfer will happen within the requirements and safeguards of the law. Where possible, the party processing your personal information in the other country will agree to apply the same level of protection as is available by law in your country, or if the other country’s laws provide better protection, the other country’s laws would be agreed to and applied.

An example of us transferring your personal information to another country is where foreign payments take place if you purchase goods or services in a foreign country.

2.10. Your duties and rights about the personal information we have about you

You must provide proof of identity when enforcing the rights below.
You must inform us when your personal information changes.
Please refer to our Promotion of Access to Information Act 2 of 2000 Manual (PAIA Manual) for further information on how you can give effect to the rights listed below.
You have the right to request access to the personal information we have about you by contacting us. This includes requesting:

Confirmation that we hold your personal information
A copy or description of the record containing your personal information; and
The identity or categories of third parties who have had access to your personal information

We will attend to requests for access to personal information within a reasonable time. You may be required to pay a reasonable fee to receive copies or descriptions of records, or information about third parties. We will inform you of the fee before attending to your request.

Please note that the law may limit your right to access information.

You have the right to request us to correct or delete the personal information we have about you if it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, obtained unlawfully, or if we are no longer authorised to keep it. You must inform us of your request in writing. Please refer to our PAIA Manual for further information in this regard, like the process you should follow to give effect to this right. It may take up to 15 business days for the change to reflect on our systems. We may request documents from you to verify the change in personal information.

A specific agreement that you have entered into with us may determine how you must change your personal information provided at the time when you entered into the specific agreement. Please adhere to these requirements. If the law requires us to keep the personal information, it will not be deleted upon your request. The deletion of certain personal information may lead to the termination of your relationship with us.

You may object on reasonable grounds to the processing of your personal information.

We will not be able to give effect to your objection if the processing of your personal information was and is permitted by law; you have provided consent to the processing and our processing is done according to your consent; or the processing is necessary to conclude or perform under a contract with you.

You must inform us of any objection in writing. Please refer to our PAIA Manual for further information in this regard, like the process you should follow to give effect to this right.

Where you have provided your consent for the processing of your personal information, you may withdraw your consent. If you withdraw your consent, we will explain the consequences to you. We may proceed to process your personal information even if you have withdrawn your consent if the law permits or requires it. It may take up to 15 business days for the change to reflect on our systems, during this time we may still process your personal information.

You have a right to file a complaint with us or any Regulator with jurisdiction about an alleged contravention of the protection of your personal information by us. We will address your complaint as far as possible.

2.11 How we secure your personal information

We will take appropriate and reasonable technical and organisational steps to protect your personal information according to industry best practices. Our security measures (including physical, technological, and procedural safeguards) will be appropriate and reasonable.

Keeping our systems secure (like monitoring access and usage)
Storing our records securely
Controlling the access to our buildings, systems, and/or records; and
Safely destroying or deleting records
Ensure compliance with international security standards

2.12 How long do we keep your personal information?

We will keep your personal information for as long as:

The law requires us to keep it
A contract between you and us requires us to keep it
You have consented to us keeping it
We are required to keep it to achieve the purposes listed in this Privacy Policy
We require it for statistical or research purposes
A code of conduct requires us to keep it; and/or
We require it for our lawful business purposes

Note: We may keep your personal information even if you no longer have a relationship with us, for the historical data that may be required by your employer or employee.

2.13 Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Blue Bean Software with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

2.14 Our cookie policy

A cookie is a small piece of data sent from our websites or applications to your computer or device hard drive or Internet browser, where it is saved. The cookie contains information to personalise your experience on our websites or applications and may improve your experience on the websites or applications. The cookie will also identify your device, like a computer or smartphone.

By using our websites or applications, you agree that cookies may be forwarded from the relevant website or application to your computer or device. The cookie will enable us to know that you have visited the website or application before and will identify you. We may also use the cookie to prevent fraud and for analytics.