PAIA Manual
4AM Wealth (Pty) Ltd
PAIA MANUAL
Prepared in terms of section 51 of the
Promotion of Access to Information Act 2 of 2000 (as amended)
Date of Compilation: 26 February 2026
Date of Revision: 26 February 2026
Registration Number: 2016/034235/07
FSP Number: 47249
TABLE OF CONTENTS
1. List of Acronyms and Abbreviations
2. Purpose of PAIA Manual
3. Key Contact Details for Access to Information
4. Guide on How to Use PAIA and How to Obtain Access to the Guide
5. Categories of Records Available Without a Formal Request
6. Description of Records Available in Accordance with Other Legislation
7. Description of Subjects on Which the Body Holds Records
8. Processing of Personal Information
9. Availability of the Manual
1. LIST OF ACRONYMS AND ABBREVIATIONS
Acronym
Meaning
CEO
Chief Executive Officer
DIO
Deputy Information Officer
FSP
Financial Services Provider
IO
Information Officer
Minister
Minister of Justice and Correctional Services
PAIA
Promotion of Access to Information Act No. 2 of 2000 (as amended)
POPIA
Protection of Personal Information Act No. 4 of 2013
FAIS
Financial Advisory and Intermediary Services Act No. 37 of 2002
FICA
Financial Intelligence Centre Act No. 38 of 2001
FSCA
Financial Sector Conduct Authority
Regulator
Information Regulator
Republic
Republic of South Africa
2. PURPOSE OF PAIA MANUAL
This PAIA Manual is compiled by 4AM Wealth (Pty) Ltd (Registration No. 2016/034235/07), an authorised Financial Services Provider (FSP No. 47249), in accordance with section 51 of the Promotion of Access to Information Act 2 of 2000 (PAIA), as amended.
This Manual is useful for the public to—
2.1 check the categories of records held by the body which are available without a person having to submit a formal PAIA request;
2.2 have a sufficient understanding of how to make a request for access to a record of the body, by providing a description of the subjects on which the body holds records and the categories of records held on each subject;
2.3 know the description of the records of the body which are available in accordance with any other legislation;
2.4 access all the relevant contact details of the Information Officer and Deputy Information Officer who will assist the public with the records they intend to access;
2.5 know the description of the guide on how to use PAIA, as updated by the Regulator, and how to obtain access to it;
2.6 know if the body will process personal information, the purpose of processing of personal information and the description of the categories of data subjects and of the information or categories of information relating thereto;
2.7 know the recipients or categories of recipients to whom the personal information may be supplied;
2.8 know if the body has planned to transfer or process personal information outside the Republic of South Africa and the recipients or categories of recipients to whom the personal information may be supplied; and
2.9 know whether the body has appropriate security measures to ensure the confidentiality, integrity and availability of the personal information which is to be processed.
3. KEY CONTACT DETAILS FOR ACCESS TO INFORMATION OF 4AM WEALTH (PTY) LTD
3.1 Information Officer
Name: Ryno Taljaard
Title: Director / Information Officer
Tel: 012 004 8302
Email: Ryno@4amwealth.co.za
Fax Number: N/A
3.2 Deputy Information Officer
Name: Shawn Taljaard
Title: Deputy Information Officer
Tel: 012 004 8302
Email: Shawn@4amwealth.co.za
Fax Number: N/A
3.3 Access to Information General Contacts
Email: info@4amwealth.co.za
3.4 National / Head Office
Physical Address: 6 Daventry Street, Lynnwood Manor, Pretoria, 0081, South Africa
Postal Address: 6 Daventry Street, Lynnwood Manor, Pretoria, 0081, South Africa
Telephone: 012 004 8302
Email: info@4amwealth.co.za
Website: www.4amwealth.co.za
4. GUIDE ON HOW TO USE PAIA AND HOW TO OBTAIN ACCESS TO THE GUIDE
4.1 The Regulator has, in terms of section 10(1) of PAIA, as amended, updated and made available the revised Guide on how to use PAIA (“Guide”), in an easily comprehensible form and manner, as may reasonably be required by a person who wishes to exercise any right contemplated in PAIA and POPIA.
4.2 The Guide is available in each of the official languages and in braille.
4.3 The aforesaid Guide contains the description of—
4.3.1 the objects of PAIA and POPIA;
4.3.2 the postal and street address, phone and fax number and, if available, electronic mail address of the Information Officer and every Deputy Information Officer;
4.3.3 the manner and form of a request for access to a record of a private body contemplated in section 50 of PAIA;
4.3.4 the assistance available from the IO in terms of PAIA and POPIA;
4.3.5 the assistance available from the Regulator in terms of PAIA and POPIA;
4.3.6 all remedies in law available regarding an act or failure to act in respect of a right or duty conferred or imposed by PAIA and POPIA, including the manner of lodging an internal appeal, a complaint to the Regulator, and an application with a court[NT1] ;
4.3.7 the provisions [NT2] of section 51 requiring a private body to compile a manual, and how to obtain access to a manual;
4.3.8 the provisions [NT3] of section 52 providing for the voluntary disclosure of categories of records by a private body;
4.3.9 the notice[NT4] s issued in terms of section 54 regarding fees to be paid in relation to requests for access; and
4.3.10 the regulations made in terms of section 92.
4.4 Members of the public can inspect or make copies of the Guide from the offices of public and private bodies, including the office of the Regulator, during normal working hours.
4.5 The Guide can also be obtained—
4.5.1 upon request to the Information Officer; and
4.5.2 from the website of the Regulator (https://inforegulator.org.za/).
4.6 A copy of the Guide is available in the following two official languages for public inspection during normal office hours: English and Afrikaans.
5. CATEGORIES OF RECORDS OF 4AM WEALTH (PTY) LTD WHICH ARE AVAILABLE WITHOUT A PERSON HAVING TO REQUEST ACCESS
The following categories of records are available without a formal PAIA request:
Category of Records
How to Access
FSCA Licence / FSP Certificate
Available on request via email or from the FSCA public register at www.fsca.co.za
PAIA Manual
Available on www.4amwealth.co.za and upon request to the Information Officer
General Company Information
Available upon request via email to info@4amwealth.co.za
Product Brochures and Fact Sheets
Available on www.4amwealth.co.za or upon request
Fee Schedules
Available upon request via email
6. DESCRIPTION OF THE RECORDS OF 4AM WEALTH (PTY) LTD WHICH ARE AVAILABLE IN ACCORDANCE WITH ANY OTHER LEGISLATION
The following records are created and maintained in accordance with applicable South African legislation:
Applicable Legislation
Records Held
Companies Act 71 of 2008
Memorandum of Incorporation, Minutes of Directors Meetings, Register of Members, Register of Directors
Promotion of Access to Information Act 2 of 2000
PAIA Manual, Request for Access Forms, Outcome of Request Forms
Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS)
FSP Licence, Compliance Reports, Disclosure Documents, Record of Advice
Financial Intelligence Centre Act 38 of 2001 (FICA)
Risk Management and Compliance Programme (RMCP), Client Due Diligence Records, Source of Funds Records
Protection of Personal Information Act 4 of 2013 (POPIA)
Privacy Policy, Data Processing Records, Consent Forms
Electronic Communications and Transactions Act 25 of 2002
Electronic records and communications
Income Tax Act 58 of 1962
Tax records and returns
Labour Relations Act 66 of 1995
Employment contracts and HR records
7. DESCRIPTION OF THE SUBJECTS ON WHICH 4AM WEALTH (PTY) LTD HOLDS RECORDS AND CATEGORIES OF RECORDS HELD ON EACH SUBJECT
Subject
Categories of Records
Strategic and Corporate Governance
Memorandum of Incorporation; Board Resolutions and Minutes; Shareholder Agreements; Business Plans and Strategic Documents; Annual Reports
Human Resources
Employment Contracts; Leave Records; Payroll Records; Performance Appraisals; Training and Competency Records; Fit and Proper Certificates
Regulatory and Compliance
FSP Licence (FAIS); FSCA Correspondence; Compliance Reports; FICA RMCP; Conflict of Interest Policy; Complaints Policy and Register; Debarment Records; Key Individual Records
Client / Customer Records
Client Onboarding Documentation; FICA Due Diligence Records; Risk Profile Questionnaires; Record of Advice; Discretionary Investment Management Mandates; Fee Agreements; Client Correspondence
Financial
Financial Statements; Bank Statements; Invoices and Receipts; Tax Returns; Audit Reports; Fee Schedules
Investment and Product
Product Brochures and Fact Sheets; Performance Records; Portfolio Reports; Market Information; Product Provider Agreements
Third Party and Supplier
Service Level Agreements; Supplier Contracts; Outsourcing Agreements; Professional Indemnity Insurance Policies
Information Technology and Data
IT Policies; Data Processing Records; Cybersecurity Policies; System Access Logs
8. PROCESSING OF PERSONAL INFORMATION
8.1 Purpose of Processing Personal Information
4AM Wealth (Pty) Ltd processes personal information for the following purposes:
• To onboard, identify and verify clients in compliance with FICA and FAIS requirements;
• To provide discretionary investment management, financial planning, and intermediary services;
• To comply with regulatory reporting obligations to the FSCA, SARB, and other regulatory bodies;
• To manage and administer client portfolios and accounts;
• To communicate with clients regarding their investments and financial plans;
• To process payments and manage fee agreements;
• To manage human resources and employment relationships;
• To manage supplier and service provider relationships; and
• To comply with all applicable South African legislation.
8.2 Categories of Data Subjects and Personal Information Processed
Categories of Data Subjects
Personal Information that may be Processed
Clients / Investors
Full name; ID/Passport number; Date of birth; Contact details (address, email, telephone); Employment status and income; Source of funds; Bank account details; Tax number; Risk profile; Investment objectives
Employees
Full name; ID number; Contact details; Qualifications and employment history; Salary and banking details; Performance records; Leave records; Race and gender (for statutory reporting)
Service Providers / Suppliers
Company name; Registration number; VAT number; Contact details; Banking details; Trade references
Directors and Key Individuals
Full name; ID number; Qualifications; Regulatory fit and proper information; Contact details
8.3 Recipients or Categories of Recipients to Whom Personal Information May Be Supplied
Category of Personal Information
Recipients or Categories of Recipients
Identity and contact details
FSCA; Information Regulator; South African Revenue Service (SARS)
FICA due diligence information
Financial Intelligence Centre (FIC); Relevant product providers and platforms
Investment and portfolio information
Linked Investment Service Providers (LISPs); Asset Managers; Product Providers
Credit and payment history
Credit Bureaus (where applicable)
Qualifications and fit and proper information
FSCA; South African Qualifications Authority (SAQA)
Criminal record checks
South African Police Service (SAPS) or accredited screening service providers
8.4 Planned Transborder Flows of Personal Information
In fulfilling its purpose for collecting personal information, 4AM Wealth (Pty) Ltd may transfer personal information outside the Republic of South Africa. For example, some personal information may be stored on cloud-based servers hosted outside the Republic. Where such transfers occur, 4AM Wealth (Pty) Ltd will ensure that adequate safeguards are in place in accordance with section 72 of POPIA, including ensuring that the recipient country provides a comparable level of protection to that under POPIA, or that the data subject has consented to the transfer.
8.5 Information Security Measures
4AM Wealth (Pty) Ltd implements the following security safeguards to ensure the confidentiality, integrity and availability of personal information:
• Password-protected systems and role-based access controls;
• Data encryption for sensitive client information in transit and at rest;
• Anti-virus and anti-malware software on all company devices;
• Secure cloud storage with reputable, compliant service providers;
• Regular data backups and disaster recovery procedures;
• Staff training on data protection and information security;
• Physical security measures at office premises; and
• Incident response and data breach notification procedures.
9. AVAILABILITY OF THE MANUAL
9.1 A copy of this Manual is available—
9.1.1 on www.4amwealth.co.za;
9.1.2 at the head office of 4AM Wealth (Pty) Ltd, 6 Daventry Street, Lynnwood Manor, Pretoria, 0081, South Africa, for public inspection during normal business hours;
9.1.3 to any person upon request and upon the payment of a reasonable prescribed fee; and
9.1.4 to the Information Regulator upon request.
9.2 A fee for a copy of the Manual, as contemplated in Annexure B of the Regulations, shall be payable per A4 page.
9.3 The Information Officer will on a regular basis update this Manual to ensure it remains current and accurate.
