Protection of Personal Information Act, 2013
(Act No. 4 of 2013)
VICTORY TICKET 959 CC
Registration Number: 2010/043657/23
Trading As: UMHLANGA GOLD AND PAWNBROKER
408 Medstone Building
19 The High Street
Umhlanga Ridge
4319
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
Website: www.umhlangagold.co.za
PRIVACY POLICY
| Effective Date: | 1 July 2026 |
| Version: | 1.0 |
| Approved By: | Neil Maharaj (Information Officer) |
DOCUMENT CONTROL
| Item | Details |
|---|---|
| Document | Privacy Policy |
| Legislation | Protection of Personal Information Act, 2013 |
| Private Body | Victory Ticket 959 CC |
| Trading Name | Umhlanga Gold and Pawnbroker |
| Version | 1.0 |
| Effective Date | 1 July 2026 |
| Review Frequency | Annually or whenever legislation or business practices change |
1. PURPOSE OF THIS PRIVACY POLICY
Victory Ticket 959 CC trading as Umhlanga Gold and Pawnbroker (“the Business”, “we”, “our” or “us”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains:
- what personal information we collect;
- why we collect it;
- how we use it;
- when we may share it;
- how we protect it;
- your rights under the Protection of Personal Information Act, 2013 (“POPIA”); and
- how you may contact us regarding your personal information.
This Policy applies to all customers, prospective customers, suppliers, service providers, website users and any other person whose personal information is processed by Victory Ticket 959 CC.
2. OUR COMMITMENT TO PRIVACY
We recognise that personal information belongs to the individual to whom it relates.
We undertake to process personal information lawfully, fairly, transparently and only for legitimate business purposes.
We are committed to implementing reasonable technical and organisational safeguards to protect personal information against unauthorised access, loss, misuse, alteration or destruction.
3. WHO WE ARE
Registered Name: Victory Ticket 959 CC
Trading Name: Umhlanga Gold and Pawnbroker
Business Activities:
- Buying gold jewellery
- Buying silver jewellery
- Pawnbroking gold jewellery
- Pawnbroking silver jewellery
- Purchasing gold coins
- Purchasing silver coins
- Purchasing Krugerrands
- Precious metals trading
Business Address:
408 Medstone Building
19 The High Street
Umhlanga Ridge
4319
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
Website: www.umhlangagold.co.za
4. INFORMATION OFFICER
Our Information Officer is responsible for ensuring compliance with POPIA and responding to enquiries relating to personal information.
Information Officer: Neil Maharaj
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
Postal Address:
408 Medstone Building
19 The High Street
Umhlanga Ridge
4319
You may contact the Information Officer regarding:
- access to your personal information;
- correction of your personal information;
- deletion requests where legally permissible;
- complaints regarding the processing of personal information; and
- any privacy-related enquiries.
5. DEFINITIONS
For purposes of this Policy:
Personal Information: means information relating to an identifiable, living natural person and, where applicable, an identifiable existing juristic person, as defined in POPIA.
Processing includes collecting, recording, storing, organising, updating, retrieving, using, disclosing, distributing, restricting or destroying personal information.
Data Subject means the individual or organisation to whom the personal information relates.
Operator means a person or organisation that processes personal information on behalf of Victory Ticket 959 CC.
Information Officer means the person responsible for encouraging compliance with POPIA and PAIA within the business.
6. APPLICATION OF THIS POLICY
This Privacy Policy applies whenever Victory Ticket 959 CC collects or processes personal information, including:
- when you visit our premises;
- when you contact us by telephone or email;
- when you visit our website;
- when you enquire about our services;
- when you sell precious metals to us;
- when you pawn items with us;
- when you transact with us; or
- when you otherwise provide us with personal information.
By interacting with our business, you acknowledge that your personal information may be processed in accordance with this Privacy Policy and applicable law.
7. PERSONAL INFORMATION WE COLLECT
The personal information we collect depends on the nature of your interaction with us and the services we provide.
Where appropriate, we may collect the following categories of personal information:
7.1 Identification Information
- Full names
- South African identity number or passport number (where applicable)
- Copies of identity documents, where required or retained for legal or business purposes
- Date of birth (where applicable)
7.2 Contact Information
- Residential or business address
- Telephone or mobile number
- Email address
- Other contact details voluntarily provided by you
7.3 Financial Information
Where necessary for a transaction, we may collect:
- Bank account details
- Payment information
- Transaction values
- Proof of payment
- VAT information (where applicable)
7.4 Transaction Information
We maintain records relating to transactions conducted with our business, including:
- Gold jewellery purchased
- Silver jewellery purchased
- Gold coin transactions
- Silver coin transactions
- Krugerrand transactions
- Precious metal descriptions
- Purchase agreements
- Pawnbroking agreements
- Transaction dates
- Payment records
- Customer correspondence relating to a transaction
7.5 Website Information
When you visit our website, certain technical information may be collected automatically by your web browser or hosting platform, such as:
- Internet Protocol (IP) address
- Browser type
- Device type
- Operating system
- Date and time of your visit
- Pages viewed
This information is used to help maintain the security and functionality of our website and to understand general website usage.
8. HOW WE COLLECT PERSONAL INFORMATION
Personal information may be collected:
- directly from you when you visit our premises;
- when you contact us by telephone;
- when you send us an email;
- when you complete forms or agreements;
- when you submit an enquiry through our website;
- when you voluntarily provide information to us; or
- where permitted or required by law.
We generally collect personal information directly from you. If we collect information from another source, we will do so only where permitted by law.
9. PURPOSES FOR WHICH WE PROCESS PERSONAL INFORMATION
We process personal information only for lawful and legitimate business purposes.
These purposes include:
Customer Transactions
- Purchasing gold and silver jewellery
- Purchasing gold and silver coins
- Purchasing Krugerrands
- Entering into pawnbroking agreements
- Processing payments
- Maintaining transaction records
Customer Service
- Responding to enquiries
- Communicating regarding transactions
- Providing quotations where requested
- Managing customer relationships
Legal and Regulatory Compliance
- Complying with applicable legislation
- Meeting taxation obligations
- Maintaining accounting records
- Preventing fraud
- Cooperating with lawful requests from regulatory authorities
Business Administration
- Managing supplier relationships
- Maintaining business records
- Obtaining professional accounting or legal advice where necessary
- Protecting the legal rights and interests of the business
10. OUR LAWFUL BASIS FOR PROCESSING PERSONAL INFORMATION
We process personal information only where permitted by POPIA.
Depending on the circumstances, processing may be necessary:
- to perform or conclude a contract with you;
- to comply with a legal obligation;
- to protect a legitimate interest of the business;
- to protect your legitimate interests;
- where you have given your consent; or
- where another lawful ground recognised by POPIA applies.
11. SHARING OF PERSONAL INFORMATION
We treat your personal information as confidential.
We do not sell your personal information to third parties.
Where necessary, we may share personal information with:
- our external accountants;
- financial institutions;
- payment service providers;
- legal advisers;
- regulatory authorities;
- law enforcement agencies;
- the South African Revenue Service (SARS); and
- service providers who assist us in operating our business.
Where third-party service providers process personal information on our behalf, they are expected to maintain appropriate confidentiality and security measures.
12. CROSS-BORDER PROCESSING
Our business uses third-party technology services, including Gmail for email communications and Microsoft OneDrive Personal for electronic document storage.
These services may process or store information on servers located outside South Africa.
Where this occurs, we take reasonable steps to ensure that personal information is protected in accordance with POPIA and that the service providers maintain appropriate security safeguards.
13. RETENTION OF PERSONAL INFORMATION
We retain personal information only for as long as:
- required by law;
- necessary for the purposes for which it was collected;
- required to comply with taxation, accounting or regulatory obligations;
- necessary to protect our legal rights; or
- otherwise permitted by applicable legislation.
Once personal information is no longer required, it will be securely destroyed, deleted or de-identified where appropriate.
14. HOW WE PROTECT PERSONAL INFORMATION
Victory Ticket 959 CC is committed to protecting personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or access.
We implement reasonable technical and organisational safeguards appropriate to the nature of the personal information we process.
These safeguards include:
Physical Security
- Secure business premises.
- Secure storage of paper records.
- Controlled access to business documentation.
- Protection of confidential customer information.
Electronic Security
- Password-protected computers.
- Password-protected Microsoft OneDrive Personal storage.
- Password-protected Gmail accounts.
- Antivirus and malware protection.
- Secure electronic backups where appropriate.
- Restricted access to electronic business records.
Administrative Security
- Personal information is accessed only where necessary for legitimate business purposes.
- Confidential business information is handled with appropriate care.
- Records are retained and securely destroyed in accordance with applicable legal requirements.
While no security system can guarantee absolute protection, we continuously review our security practices and take reasonable steps to minimise risk.
15. COOKIES AND WEBSITE TECHNOLOGIES
Our website may use essential cookies and similar technologies to ensure that the website functions correctly and provides a good user experience.
If additional cookies (such as analytics, advertising or preference cookies) are implemented in future, this Privacy Policy will be updated and, where required by law, appropriate notice or consent mechanisms will be provided.
You may configure your web browser to refuse or delete cookies. Please note that doing so may affect the functionality of certain features of the website.
16. YOUR RIGHTS UNDER POPIA
Subject to POPIA and any other applicable legislation, you have the right to:
- request confirmation that we hold personal information about you;
- request access to your personal information;
- request correction or updating of inaccurate or incomplete personal information;
- request deletion or destruction of personal information where permitted by law;
- object to certain processing of your personal information where POPIA allows;
- withdraw consent where processing is based on consent (without affecting processing already lawfully undertaken); and
- lodge a complaint with the Information Regulator if you believe your personal information has been processed unlawfully.
Requests will be handled in accordance with POPIA, PAIA and any applicable legal obligations.
17. DIRECT MARKETING
Victory Ticket 959 CC does not send unsolicited electronic direct marketing communications.
Where we wish to send marketing communications by electronic means, we will do so only where permitted by POPIA and other applicable legislation.
You may opt out of receiving marketing communications at any time by contacting the Information Officer.
18. CHILDREN’S PERSONAL INFORMATION
Our services are intended for adults.
We do not knowingly collect personal information from children except where permitted by law or where authorised by a competent person.
If we become aware that personal information relating to a child has been collected unlawfully, we will take appropriate steps to address the matter.
19. PERSONAL INFORMATION BREACHES
If we become aware of a security compromise affecting personal information under our control and notification is required by POPIA, we will:
- investigate the incident promptly;
- take reasonable steps to contain and remedy the breach;
- notify affected individuals where required by law; and
- notify the Information Regulator where required.
20. COMPLAINTS
If you believe that Victory Ticket 959 CC has processed your personal information contrary to POPIA, we encourage you to first contact our Information Officer so that we can investigate and attempt to resolve your concerns.
Information Officer: Neil Maharaj
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
If your concern is not resolved, you may lodge a complaint with the Information Regulator in accordance with POPIA.
21. INFORMATION REGULATOR
The Information Regulator is responsible for monitoring and enforcing compliance with POPIA and PAIA.
Information Regulator (South Africa)
JD House
27 Stiemens Street
Braamfontein
Johannesburg
2001
Telephone: 010 023 5200
Email: enquiries@inforegulator.org.za
Website: https://www.inforegulator.org.za
The Information Regulator’s website contains guidance on POPIA, complaint procedures and prescribed forms.
22. CHANGES TO THIS PRIVACY POLICY
Victory Ticket 959 CC may amend this Privacy Policy from time to time to reflect changes in legislation, regulatory guidance, technology or business operations.
The most current version will always be made available on our website and at our principal place of business.
Where appropriate, material changes will be brought to the attention of customers through appropriate communication channels.
23. HOW TO EXERCISE YOUR PRIVACY RIGHTS
If you wish to exercise any of your rights under POPIA or PAIA, you may submit a written request to the Information Officer.
Depending on the nature of your request, you may ask to:
- confirm whether we process your personal information;
- obtain access to your personal information;
- correct inaccurate or incomplete personal information;
- update your personal information;
- request deletion or destruction of personal information where legally permissible;
- object to certain processing activities permitted under POPIA;
- withdraw consent where processing is based on consent; or
- lodge a complaint regarding the processing of your personal information.
To protect your privacy, we may require reasonable proof of identity before processing your request.
Where PAIA applies to a request for access to records, the prescribed PAIA procedures and forms may also apply.
24. CONTACT DETAILS
Victory Ticket 959 CC
Trading as: Umhlanga Gold and Pawnbroker
Physical Address:
408 Medstone Building
19 The High Street
Umhlanga Ridge
4319
Postal Address:
Same as physical address.
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
Website: www.umhlangagold.co.za
25. INFORMATION OFFICER CONTACT DETAILS
Information Officer: Neil Maharaj
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
The Information Officer is responsible for:
- monitoring compliance with POPIA and PAIA;
- responding to privacy enquiries;
- handling requests relating to personal information;
- investigating privacy complaints received by the business; and
- maintaining this Privacy Policy.
26. INFORMATION REGULATOR CONTACT DETAILS
Should you remain dissatisfied after contacting us, you may lodge a complaint with the Information Regulator.
Information Regulator (South Africa)
JD House
27 Stiemens Street
Braamfontein
Johannesburg
2001
Telephone: 010 023 5200
Email: enquiries@inforegulator.org.za
Website: https://inforegulator.org.za/
27. POLICY REVIEW
This Privacy Policy will be reviewed:
- at least once every 12 months;
- whenever there are material changes to applicable legislation;
- when our information processing practices change significantly; or
- whenever amendments are considered necessary by the Information Officer.
The latest approved version of this Privacy Policy will replace all previous versions.
ANNEXURE A – SUMMARY OF YOUR PRIVACY RIGHTS
You have the right, subject to applicable legislation, to:
- know what personal information we hold about you;
- request access to your personal information;
- request correction of inaccurate or incomplete personal information;
- request deletion of personal information where permitted by law;
- object to certain processing activities;
- withdraw consent where processing is based on consent;
- lodge a complaint with the Information Regulator; and
- seek other remedies available under POPIA or PAIA.
ANNEXURE B – HOW TO CONTACT US
For all privacy-related enquiries, requests or complaints:
Victory Ticket 959 CC t/a Umhlanga Gold and Pawnbroker
Telephone: 031 8801 719
Email: victoryticket959cc@gmail.com
Website: www.umhlangagold.co.za
ANNEXURE C – VERSION HISTORY
Version: 1.0
Effective Date: 01 July 2026
Description: Privacy Policy
Approved By: Neil Maharaj