Ukuthotyelwa kwePOPIA kwiiNkcukacha zeTyala | UmKhokelo waseMzantsi Afrika
Isikhokelo esisebenzayo sokuthotyelwa kwePOPIA xa kusingathwa iinkcukacha zamaziko amatyala eMzantsi Afrika. Qonda izibophelelo zakho njengeqela elinoxanduva okanye umqhubi.
Abachwephesha bamatyala baphatha olona lwazi lunovakalelo lobuqu eMzantsi Afrika - imbali yamatyala, idatha yengeniso, uluhlu olubi, iinkcukacha zesazisi. I-POPIA (uMthetho woKhuseleko lweNgcaciso yoMntu, uMthetho we-4 ka-2013) ubeka imigaqo engqongqo malunga nendlela le datha emele iqokelelwe ngayo, iqhutywe, igcinwe, kwaye kwabelwane ngayo. Kubaniki-nkonzo yeentengo zemboleko, abacebisi ngamatyala, kunye nee-brokers, ukuthotyelwa kwe-POPIA akuyongxaki eyahlukileyo kwimisebenzi yekhredithi - ibethelelwe kuwo onke ama-bureau, uhlolo ngalunye, kunye nayo yonke irekhodi egciniweyo.
Lo Mthetho uqale ukusebenza ngokupheleleyo nge-1 kaJulayi 2021, kwaye i-Information Regulator ibisoloko inyanzelisa ukuthotyelwa ukusukela ngoko. Abasebenzi bekhredithi abasebenzisa ulwazi lomntu siqu kufuneka baqonde izibophelelo zabo njengamaqela anoxanduva okanye abaqhubi, basebenzise amanyathelo okhuseleko afanelekileyo, kwaye baqinisekise ukuba izivumelwano zokucwangcisa idatha zikhona kunye nabanikezeli benkonzo. Ukungathobeli kunezohlwayo ezibalulekileyo: izohlwayo ezifikelela kwi-R10 lezigidi, ukuvalelwa entolongweni ukuya kutsho kwiminyaka eli-10, okanye zombini. Okona kubaluleke ngakumbi, ukophulwa kwedatha kunokonakalisa ukuthenjwa kwabathengi, kubangele uphando lolawulo, kwaye kuveze iifemu kuxanduva loluntu.
Ukuthotyelwa kwePOPIA kuhlangana nezinye izibophelelo zolawulo. I-UMthetho wamaTyala weSizwe ifuna ukuba abanikezeli bekhredithi benze uhlolo lokufikeleleka besebenzisa idatha ye-credit bureau, ngelixa i-POPIA ilawula ukuba loo datha kufuneka ikhuselwe. I-Credit Bureau Regulations ichaza amaxesha okugcina, ngelixa iPOPIA ifuna ukuba idatha ingagcinwa ixesha elide kunemfuneko. Ukuqonda ezi ntlangano-ndlela kubalulekile kubasebenzi bekhredithi abafuna ukusebenza ngokusemthethweni kwaye bakhusele abaxhasi babo kunye namashishini abo.
Yintoni efunwa yiPOPIA — Iziseko
I-POPIA imisela iimeko ezisibhozo zokusetyenzwa ngokusemthethweni kwenkcazelo yobuqu. Le miqathango isebenza kuyo yonke ingcaciso yobuqu, kodwa ibaluleke ngakumbi xa ujongana nedatha yekhredithi, equka imbali yezemali, indlela yokuziphatha yokuhlawula, uluhlu olubi, kunye nolwazi lwesazisi olunokusetyenziselwa ubuqhophololo okanye ucalucalulo ukuba luphathwa kakubi.
Umqathango wokuqala kukuphendula. Iqela elinoxanduva kufuneka liqinisekise ukuthotyelwa kwayo yonke imiqathango yokwenziwa komsebenzi ngokusemthethweni kwaye kufuneka likwazi ukubonisa oko kuthobela. Oku kuthetha ukuba nemigaqo-nkqubo, iinkqubo, kunye neenkqubo endaweni ebonisa indlela izibophelelo zePOPIA ezihlangatyezwana nazo. Kubasebenzi bekhredithi, uxanduva lokuphendula lufuna imigaqo-nkqubo esemthethweni yokukhusela idatha, amanyathelo okhuseleko abhaliweyo, kunye neenkqubo ezicacileyo zokusingatha izicelo zedatha. Xa kusenziwa uphicotho-zincwadi okanye kuvela izikhalazo, iifemu kufuneka zibonise ukuba ziluthathele ingqalelo uxanduva lokuthotyelwa kwemigaqo.
Ukucutshungulwa komda kufuna ukuba iinkcukacha zobuqu ziqokelelwe kuphela ngenjongo ethile, echazwe ngokucacileyo, kunye nenjongo esemthethweni, kwaye ukusetyenzwa kukhawulelwe koko kuyimfuneko kuloo njongo. Iingcali zekhredithi azikwazi ukuqokelela idatha engaphezulu kunokuba ifunekayo kuvavanyo lwekhredithi, ayikwazi ukusebenzisa idatha ngeenjongo ngaphandle kwezo zichazwe kwisifundo sedatha, kwaye ayikwazi ukugcina idatha ixesha elide kunokuba kuyimfuneko. Lo mqathango uchaphazela ngokuthe ngqo indlela iingxelo ze-credit bureau ezisetyenziswa ngayo: ukutsala ingxelo epheleleyo xa kuphela ulwazi oluthile lufunekayo lunokwaphula umda wokucubungula, kwaye ukusebenzisa idatha ye-bureau ngeenjongo zokuthengisa ngaphandle kwemvume kuya kwaphula le meko.
Ukucaciswa kwenjongo kuthetha ukuba iqela elinoxanduva kufuneka lazise umxholo wedatha ngenjongo yokuqokelela ngexesha lokuqokelela. Kubasebenzi bekhredithi, oku kuqhelekile xa abathengi befaka isicelo sekhredithi okanye iinkonzo zokucetyiswa ngamatyala. Injongo mayibe ngqo: “ukuvavanya ukufaneleka kwakho ngetyala” kwamkelekile, ngelixa “ngeenjongo zoshishino” kungacacanga kakhulu. Abathengi kufuneka baqonde ukuba kutheni idatha yabo iqokelelwa kwaye iya kusetyenziswa njani.
Unyino lokuqhubela phambili oluqhubekayo luthintela indlela idatha enokusetyenziswa ngayo emva kokuqokelelwa kokuqala. Ukuba umniki-nkonzo yeentengo zemboleko uqokelela idatha yovavanyo lokufikeleleka, ukusebenzisa loo datha inye kamva ngeenjongo zokuthengisa kufuna imvume okanye esinye isiseko esisemthethweni. Iingcali zekhredithi kufuneka zicace malunga neenjongo zokuqokelela idatha kwaye ayikwazi ukwandisa ezo njongo ngaphandle kokulungiswa okanye imvume.
Umgangatho wolwazi ufuna ukuba iinkcukacha zobuqu zigqibelele, zichaneke, zingalahlekisi, kwaye zihlaziywe. Kubasebenzi beentengo zemboleko, oku kuthetha ukuqinisekisa ukuba iingxelo zeziko lentengo yemboleko zezangoku, uhlolo lusekelwe kwidatha echanekileyo, kwaye iirekhodi zibonisa ubume bokwenyani bendawo yomboleki yekhredithi. Ukusebenzisa iingxelo eziphelelwe lixesha okanye ukusilela ukuhlaziya iirekhodi xa ulwazi olutsha lufumaneka kukwaphula le meko.
Ukungafihlisi kufuna ukungafihli malunga nendlela ekwenziwa ngayo iinkcukacha zakho. Iingcali zekhredithi kufuneka zazise izifundo zedatha malunga nokuba yeyiphi idatha eqokelelweyo, ifunyanwa kubani, isetyenziswa njani, kwaye ngubani onokufikelela kuyo. Izaziso zabucala kunye nemigaqo yenkonzo kufuneka ichaze ngokucacileyo ezi zenzo. Xa abathengi becela ulwazi malunga nendlela idatha yabo iqhutywe ngayo, iifemu kufuneka ziphendule ngokukhawuleza nangokuchanekileyo.
Izikhuselo zokhuseleko mhlawumbi yeyona meko ibaluleke kakhulu kwidatha yekhredithi. I-POPIA ifuna amanyathelo afanelekileyo obugcisa nentlangano ukuze kuthintelwe ilahleko, umonakalo, okanye ukufikelela okungagunyaziswanga kwinkcazelo yobuqu. Kwidatha yekhredithi, oku kuthetha ukubethelwa ekuphumleni usebenzisa imigangatho eyomeleleyo efana ne-AES-256, i-eNCRyption kwi-transit usebenzisa i-TLS, ulawulo olusekelwe kwindima yokufikelela ekunciphiseni ngubani onokujonga okanye ukusebenzisa idatha, iilogi zokuphicotha ukulandelela ukufikelela kunye nokutshintsha, kwaye apho kufanelekileyo, ukuqinisekiswa kwezinto ezininzi ukuthintela ukufikelela okungagunyaziswanga. Amanyathelo okhuseleko kufuneka ahambelane novakalelo lwedatha, kwaye idatha yekhredithi iphakathi kwezona ndidi zinovakalelo.
Ukuthatha inxaxheba kwisifundo sedatha kunika abantu amalungelo okufikelela kulwazi lwabo lobuqu, ukucela ukulungiswa kwedatha engachanekanga, kunye nokuchasana nokusetyenzwa phantsi kweemeko ezithile. Iingcali zekhredithi kufuneka zibe neenkqubo zokusingatha ezi zicelo ngokukhawuleza. Xa abathengi becela ukufikelela kwiidatha zabo zekhredithi okanye izigqibo zomngeni, iifemu kufuneka zikwazi ukufumana kwakhona kwaye zinike ulwazi olufanelekileyo ngokufanelekileyo. Iinkqubo ezibeka kumbindi wedatha kwaye zibonelele ngofikelelo olunokuphendwa zixhasa ezi zibophelelo ngcono kuneefayile ezisasazekileyo.
Iqela elinoxanduva vs uMsebenzi
Ukuqonda umahluko phakathi kweendima zeqela elinoxanduva kunye nabaqhubi kubalulekile kubasebenzi bekhredithi abasebenzisa amaqonga esoftware, iinkonzo ze-credit bureau, okanye abanye ababoneleli beqela lesithathu. Lo mahluko umisela ukuba ngubani na onoxanduva lokugqibela lokuthotyelwa kwemigaqo, zeziphi iikhontrakthi emazibekho, kwaye kwabiwa njani ubutyala xa kuthe kwaphulwa umthetho.
Iqela elinoxanduva ngumntu okanye umbutho omisela injongo kunye neendlela zokusetyenzwa kolwazi lomntu. Kwimeko yekhredithi, abaniki-nkonzo yeentengo zemboleko, abacebisi ngamatyala, kunye nabathengi bamatyala badla ngokuba ngamaqela anoxanduva kuba bathatha isigqibo sokuba kutheni idatha yekhredithi iqokelelwa kwaye isetyenziswa njani. Bamisela ukuba uvavanyo lokufikeleleka luyafuneka, bathatha isigqibo malunga nokuba loluphi ulwazi abanokuthi balutsale kwii-credit bureaux, kwaye bamisela ukuba olo lwazi luzazisa njani izigqibo.
Umsebenzisi usebenzisa ulwazi lomntu egameni leqela elinoxanduva phantsi kwekhontrakthi okanye isigunyaziso. Abaqhubi abamisela injongo okanye iindlela zokusetyenzwa — balandela imiyalelo evela kwiqela elinoxanduva. Abathengisi beSoftware, i-credit bureaux, ababoneleli be-cloud hosting, kunye nabanye ababoneleli ngeenkonzo bahlala besebenza njengabaqhubi xa beqhuba idatha yekhredithi egameni leengcali zekhredithi.
Umahluko ubaluleke kakhulu xa ucinga ukuba ngubani osebenzisa izitshixo ze-API ukufikelela kwidatha ye-credit bureau. Xa umnikezeli wekhredithi esebenzisa ezabo izitshixo ze-API ukutsala iingxelo ngeqonga lesoftware, umthengisi wesoftware usebenza njengomsebenzisi. Umthengisi usebenza idatha egameni lomniki-nkonzo yeentengo zemboleko, elandela imiyalelo yomniki-nkonzo, kodwa umniki-nkonzo uhlala engumntu onoxanduva. Umthengisi kufuneka athobele iPOPIA njengomsebenzisi, kodwa uxanduva lokugqibela luxhomekeke kumniki-nkonzo yeentengo zemboleko.
Xa umthengisi wesoftware esebenzisa ezabo izitshixo ze-API kwaye enikezela ngeengxelo ezitsalwe kwangaphambili okanye idatha edityanisiweyo kubathengi, ulungiselelo lunokuba nzima ngakumbi. Kwezinye iimeko, oku kudala ubudlelwane beqela elinoxanduva apho omabini amaqela amisela imiba yokusetyenzwa. Umthengisi umisela indlela idatha eqokelelwa ngayo kwaye idityaniswe ngayo, ngelixa umxhasi emisela indlela esetyenziselwa ngayo ukuvavanya. Amalungiselelo eqela elinoxanduva afuna izivumelwano ezicacileyo malunga noxanduva olufanelekileyo, uxanduva, kunye nezibophelelo zokuthotyelwa.
Iqela elinoxanduva lihlala linoxanduva lokuthobela naxa abaqhubi bebandakanyeka. Oku kuthetha ukuba iingcali zeentengo zemboleko kufuneka ziqhube ngononophelo olufanelekileyo kubaqhubi, baqinisekise ukuba kukho iikhontrakthi ezifanelekileyo, kwaye baqinisekise ukuba abaqhubi baphumeza imilinganiselo yokhuseleko eyaneleyo. Ukuba umsebenzi wophula iPOPIA, iqela elinoxanduva lisenokuphenduliswa ukuba liye lasilela ekubekeni iliso ngokufanelekileyo okanye ukuba ubudlelwane bomsebenzisi khange bumiswe ngokufanelekileyo.
Izivumelwano zokucwangcisa idatha (DPAs) zibalulekile ekuchazeni ubudlelwane bomsebenzisi. Ezi zivumelwano kufuneka zichaze izibophelelo zomqhubi, iimfuno zokhuseleko, izibophelelo zemfihlo, unyino lokusetyenziswa, iinkqubo zesaziso sokwaphulwa, kunye nenkcazo ecacileyo yeendima. Ngaphandle kwe-DPA esesikweni, ubudlelwane bomsebenzisi abucacanga, izibophelelo zokuthobela azicacanga, kwaye ulwabiwo lwetyala luba yingxaki.
Imvume kunye neSiseko esisemthethweni sokuTsalwa kweBhrohro yeKhredithi
I-POPIA ifuna ukuba iinkcukacha zobuqu ziqwalaselwe ngokusemthethweni, nto leyo ethetha ukuba kufuneka kubekho isiseko esisemthethweni sokusetyenzwa. Imvume sisiseko esinye esisemthethweni, kodwa ayisoloko ifunwa okanye yanele iyodwa. Kubasebenzi bekhredithi, ukuqonda xa imvume ifuneka kwaye xa ezinye iziseko ezisemthethweni zisebenza kubalulekile kwimisebenzi ethobelayo.
UMthetho weSizwe weTyala ubonelela ngesiseko esisemthethweni esithe ngqo sokutsala iingxelo zetyala njengenxalenye yovavanyo lokufikeleleka. ICandelo lama-81 le-NCA lifuna ukuba abaniki-nkonzo yeentengo zemboleko benze uhlolo lokufikeleleka phambi kokuba kwandiswe ikhredithi, kwaye olu vavanyo ludla ngokufuna idatha ye-credit bureau. Le mfuneko ye-NCA idala isiseko esisemthethweni sokucubungula idatha yekhredithi phantsi kwe-POPIA, nangaphandle kwemvume ecacileyo, kuba ukucubungula kuyimfuneko ukuthobela isibophelelo somthetho.
Nangona kunjalo, oku akuphelisi zonke iimfuno zemvume. Abathengi badla ngokuvuma ukutshekishwa ngetyala xa befaka isicelo setyala okanye iinkonzo zokucetyiswa ngamatyala, kwaye le mvume idla ngokufunyanwa ngeefomu zesicelo okanye imiqathango yenkonzo. Imvume kufuneka yaziswe: abathengi kufuneka baqonde ukuba idatha yabo yekhredithi iya kufumaneka, ngawaphi amaziko aya kubuzwa, kwaye ulwazi luya kusetyenziswa njani. Ulwimi lwemvume engacacanga okanye engcwatyiweyo ludala umngcipheko wokuthotyelwa.
Imvume nayo kufuneka icace. Imvume ngokubanzi “yokwenza iinkcukacha zobuqu” ayonelanga - imvume kufuneka ichaze ukuba iingxelo ze-credit bureau ziya kutsalwa, ababoneleli abaza kubuzwa, kwaye ulwazi luya kusetyenziselwa uvavanyo lokufikeleleka okanye iinjongo zokucebisa amatyala. Xa iingcali zekhredithi zisebenzisa ii-ofisi ezininzi okanye zitsale iingxelo kubaboneleli abanje nge-Experian, Datanamix, okanye TransUnion, imvume kufuneka ibonise oku.
Iqela elinoxanduva kufuneka liqinisekise ukuba zonke iimvume ezifunekayo kunye neziseko ezisemthethweni zifunyenwe ngaphambi kokuba kuqaliswe ukusebenza. Oku kuthetha ukuqinisekisa ukuba iifomu zesicelo ziquka ulwimi olufanelekileyo lwemvume, ukuba imiqathango yenkonzo icacile malunga nokusetyenzwa kwedatha, kunye nokuba abasebenzi bayaqonda xa imvume ifunwa xa kuthelekiswa naxa izibophelelo zeNCA zibonelela ngesiseko esisemthethweni. Ukuxhomekeka kwimvume ecingelwayo okanye ukusilela ukufumana imvume eyiyo kudala umngcipheko wokuthotyelwa.
Unxibelelwano phakathi kwezibophelelo zeNCA kunye nemvume yePOPIA ithetha ukuba abantu abaqeqeshelwe ngetyala kufuneka balungelelanise iimfuno ezininzi. Bamele basebenzise idatha yekhredithi ukwenza uvavanyo olufanelekileyo lokufikeleleka (imfuno ye-NCA) ngelixa beqinisekisa ukuba ukusetyenzwa kusemthethweni kwaye izifundo zedatha ziyaziswa (imfuneko ye-POPIA). Le bhalansi iyafezekiswa xa imvume ifunyenwe ngokufanelekileyo kwaye xa ukusetyenzwa kulinganiselwe kwizinto eziyimfuneko kwiinjongo zovavanyo lwekhredithi.
Xa idatha yekhredithi isetyenziselwa iinjongo ezingaphaya kovavanyo lokuqala - umzekelo, ukubeka iliso okuqhubekayo, ukuthengisa, okanye ukwabelana nabantu besithathu - imvume eyongezelelweyo okanye ezinye iziseko ezisemthethweni zingafuneka. Iingcali zekhredithi azinakucinga ukuba imvume yokuqala ibandakanya konke ukusetyenziswa kwexesha elizayo. Injongo nganye entsha ifuna ulungelelwaniso phantsi kweemeko zePOPIA ukuze kuqhutywe ngokusemthethweni.
IziBophelelo zoKhuseleko lweDatha yeTyala
I-POPIA ifuna amaqela anoxanduva aphumeze amanyathelo afanelekileyo obugcisa nawentlangano ukukhusela inkcazelo yobuqu ekulahlekeni, kumonakalo, okanye ekufikeleleni ngokungekho mthethweni. Kwidatha yekhredithi, ebandakanya iimbali zemali, iinkcukacha zesazisi, kunye nokuziphatha kwentlawulo, ezi zibophelelo zokhuseleko azixoxiswana. Iziphumo zokophulwa kwedatha zinokuba mbi kakhulu: izohlwayo ezilawulayo, ubutyala boluntu, ilahleko yentembeko yomxhasi, kunye nobusela obunokubakho bezazisi okanye ubuqhophololo obuchaphazela abathengi.
Uguqulelo oluntsonkothileyo ekuphumleni lubalulekile. Idatha yekhredithi egcinwe kwiinkcukacha, iisistim zefayile, okanye ii-backups kufuneka zifakwe kwi-eNCRypted usebenzisa imigangatho eqinile njenge-AES-256. Oku kuqinisekisa ukuba ukuba imidiya yokugcina ilahlekile, ibiwe, okanye ifikeleleke ngaphandle kokugunyaziswa, idatha ihlala ikhuselekile. Iingcali zekhredithi ezigcina iingxelo ze-bureau, iirekhodi zovavanyo, okanye iifayile zabaxhasi kufuneka ziqinisekise ukuba ukubethelwa kuphunyezwa kwinqanaba lokugcina, kungekhona nje kwinqanaba lesicelo.
Uguqulelo oluntsonkothileyo kuhambo lukhusela idatha njengoko ihamba phakathi kweenkqubo. Xa iingxelo ze-credit bureau zitsalwa nge-API, xa idatha ihanjiswa phakathi kwezicelo zabaxhasi kunye neeseva, okanye xa ulwazi lwabelwana ngalo kunye namaqela esithathu, i-TLS eNCRyption kufuneka isetyenziswe. Iiprothokholi ezindala ezifana ne-SSL okanye uqhagamshelo lwe-HTTP olungafihlwanga azanelanga kwaye zenza umngcipheko wokhuseleko obalulekileyo.
Ulawulo olusekelwe kwindima (RBAC) imida yokuba ngubani onokujonga, alungise, okanye asebenzise idatha yekhredithi. Ayingabo bonke abasebenzi abafuna ukufikelela kuyo yonke idatha. Abavavanyi bamatyala banokufuna ukufikelela kwiingxelo ze-bureau ukuze bahlolwe, kodwa banokungadingi ukufikelela kuzo zonke iifayile zabaxhasi. Abasebenzi bolawulo banokufuna ukufikelela kwiirekhodi zabaxumi kodwa hayi kwiinkcukacha zezimali ezibuthathaka. I-RBAC iqinisekisa ukuba ukufikelela kunikwa kuphela abo bayifunayo kwiindima zabo, ukunciphisa umngcipheko wokufikelela okungagunyaziswanga okanye ukusetyenziswa kakubi.
Amanqaku ophicotho alandelela ukuba ngubani ofikelele kwidatha, nini, kwaye ngayiphi injongo. Ezi zigodo ziyimfuneko kukhuseleko kunye nokuthotyelwa. Xa ulwaphulo-mthetho lusenzeka okanye xa izicelo zofikelelo kwizifundo zedatha zenziwe, ii-odith logs zinceda ekuchongeni ukuba kwenzeke ntoni na kwaye ngubani obandakanyekayo. Kubasebenzi bamatyala, iindlela zophicotho olubanzi ikwaxhasa ukuthotyelwa kweNational Credit Act ngokubonisa ukuba izigqibo zenziwe njani kwaye yeyiphi idata eqwalaselwayo.
Ukuqinisekiswa okuqinileyo kuthintela ukufikelela okungagunyaziswanga kwiinkqubo eziphatha idatha yekhredithi. I-Multi-factor authentication (MFA) iyacetyiswa, ngakumbi kwii-akhawunti zolawulo okanye iinkqubo eziqulethe ulwazi olubuthathaka. I-passwords yodwa ayanelanga - izinto ezongezelelweyo ezifana neekhowudi zexesha elilodwa, ukuqinisekiswa kwe-biometric, okanye iithokheni ze-hardware zinciphisa kakhulu umngcipheko we-akhawunti compromise.
Iimeko ezihlukeneyo ziqinisekisa ukuba idatha yekhredithi ibekwe yodwa kwezinye iisistim kwaye ukufikelela kulawulwa ngokujongana okuchaziweyo. Uphuhliso, ukuvavanya, kunye neendawo zokuvelisa kufuneka zohlulwe, kwaye idatha yokuvelisa akufanele isetyenziswe kwiindawo ezingezizo imveliso ngaphandle kokungaziwa ngokufanelekileyo okanye ukufihla. Oku kunciphisa umngcipheko wokuvezwa ngengozi okanye ukusetyenziswa kakubi.
Izicwangciso zempendulo yezehlo ziyafuneka ukujongana nokuphulwa kwedatha ngokufanelekileyo. Xa kukho ulwaphulo-mthetho, ixesha libalulekile. Iingcali zekhredithi kufuneka zibe neenkqubo zokubona ukuphulwa, okuqulethe umonakalo, ukwazisa amaqela achaphazelekayo, kunye nokunika ingxelo kwi-Information Regulator. I-POPIA ifuna ukuba ukophulwa kwedatha kuxelwe kumlawuli nakwizifundo zedatha ngaphandle kokulibazisa okungafanelekanga, kwaye iqela elinoxanduva lithathe amanyathelo afanelekileyo okunciphisa umonakalo.
Iinkqubo zesaziso sokuphulwa kwedatha kufuneka zibhalwe kwaye zivavanywe. I-Information Regulator ilindele ukwaziswa ngolwaphulo olubeka umngcipheko kumalungelo abantu bedatha, kwaye isaziso kufuneka siquke iinkcukacha malunga nokophulwa, iindidi zedatha echaphazelekayo, iziphumo ezinokuthi zibe khona, kunye namanyathelo athathiweyo okanye acetywayo ukulungisa ukuphulwa. Izifundo zedatha kufuneka zaziswe ngaphandle kokuba ukuphulwa kungenakwenzeka ukuba kubangele ingozi, kwaye isaziso kufuneka sibacebise ngamalungelo abo kunye namanyathelo abanokuthi bawathathe ukuze bazikhusele.
La manyathelo okhuseleko awakhethi. Iingcali zekhredithi eziphethe idatha yekhredithi kufuneka ziphumeze njengenxalenye yezibophelelo zabo zokuthobela i-POPIA. Iinkqubo eziyilwe ngokhuseleko engqondweni kwasekuqaleni zisebenza ngakumbi kunamanyathelo okhuseleko ahlaziyiweyo, kwaye iifemu ezithatha ukhuseleko njengeyona mfuneko ingundoqo kunokuba zicinge emva koko zinciphisa zombini umngcipheko wokuthotyelwa kunye nobungozi bokusebenza.
Ukugcinwa kwedatha kunye neLungelo lokucinywa
I-POPIA ifuna ukuba iinkcukacha zobuqu zingagcinwa ixesha elide kunemfuneko ngokwenjongo ebiqokelelwe ngayo. Lo mqathango udibana nezinye iimfuno zolawulo, ngakumbi iMigaqo yeKhredithi Bureau, echaza ixesha elincinane lokugcinwa kwedatha yekhredithi. Iingcali zekhredithi kufuneka zilungelelanise ezi mfuno: ukugcina idatha ixesha elide ngokwaneleyo ukuhlangabezana nezibophelelo zokulawula ngelixa ungayigcini ixesha elide kunemfuneko.
IMimiselo ye-Credit Beregulations (UmMiselo 19) ichaza ukuba iinkcukacha zophando kufuneka zigcinwe ubuncinane unyaka omnye, ngelixa iinkcukacha zeprofayili yentlawulo kufuneka zigcinwe ubuncinane iminyaka emihlanu. La ngawona maxesha aphantsi - iingcali zekhredithi zinokufuna ukugcina idatha ixesha elide ukuhlangabezana nezinye izibophelelo, ezifana Iimfuno zokugcina irekhodi zeNational Credit Act okanye ukukhusela kwizikhalazo ezinokubakho okanye amanyathelo omthetho.
Nangona kunjalo, ukugcina idatha kwaphula ngokungenammiselo imfuno yePOPIA yokuba idatha ingagcinwa ixesha elide kunemfuneko. Iingcali zekhredithi kufuneka ziseke imigaqo-nkqubo yokugcinwa ecacileyo echaza ukuba iintlobo ezahlukeneyo zedatha ziya kugcinwa ixesha elingakanani, xa idatha iya kususwa, kwaye yeyiphi imiqobo esebenzayo. Le migaqo-nkqubo kufuneka ibhalwe phantsi, idluliselwe kubasebenzi, ize iphunyezwe ngokucwangcisiweyo.
Ilungelo lokucinywa phantsi kwePOPIA aligqibelelanga. Izifundo zedatha zinokucela ukucinywa kolwazi lwabo lobuqu, kodwa amaqela anoxanduva anokwala ukuba ukugcinwa kufunwa ngumthetho, ukuba idatha iyafuneka ngeenjongo zoshishino ezisemthethweni, okanye ukuba ukucinywa kuya kuphazamisa iinkqubo zomthetho. Kubasebenzi bekhredithi, oku kuthetha ukuba izicelo zokucinywa kufuneka zihlolwe ngononophelo: enye idatha inokufuneka igcinwe ukuhlangabezana nezibophelelo zeNCA okanye ukukhusela kwizikhalazo ezinokubakho.
Xa abaqeqeshi bekhredithi bafumana izicelo zokucinywa, kufuneka baphendule ngokukhawuleza kwaye bachaze isigqibo sabo. Ukuba ukucinywa kwaliwe, umxholo wedatha kufuneka waziswe ngesizathu kunye nelungelo labo lokukhalaza kwi-Information Regulator. Ukuba ukucinywa kuvunyelwe, idatha kufuneka isuswe ngokukhuselekileyo kuzo zonke iinkqubo, kubandakanywa i-backups, kwaye ukucima kufuneka kubhalwe phantsi.
Imigaqo-nkqubo yokugcina kufuneka yahlule phakathi kweentlobo ezahlukeneyo zedatha yekhredithi. Iingxelo ze-Bureau ezitsalelwe kuvavanyo zinokuba neemfuneko ezahlukeneyo zokugcina kuneerekhodi zovavanyo, amaxwebhu esigqibo, okanye imbalelwano yabathengi. Enye idatha inokufuna ukugcinwa ukuze ithotyelwe, ngelixa enye idatha inokususwa ngokukhawuleza. Imigaqo-nkqubo ecacileyo inceda ukuqinisekisa usetyenziso olungaguqukiyo kunye nokunciphisa umngcipheko wokugcina idatha ixesha elide kunokuba kuyimfuneko okanye ukucima idatha ngaphambi kwexesha.
Ulawulo logcino oluzenzekelayo lunokunceda iingcali zekhredithi zithobele iimfuno zokugcinwa rhoqo. Iinkqubo eziphawula ngokuzenzekelayo idatha ukuze icinywe ngokusekelwe kwimigaqo-nkqubo yokugcinwa, ezicima ngokukhuselekileyo idatha ephelelwe lixesha, kunye nezigcina iilogi zophicotho lwemisebenzi yokucima zinciphisa zombini umngcipheko wokuthotyelwa kunye neenzame zezandla. Ulawulo logcino lwezandla luthanda ukwenza iimpazamo kwaye kaninzi lukhokelela ekucinyweni kwangaphambi kwexesha okanye ukugcinwa okungenammiselo.
Ugqithiso lweDatha eNqamle kwiBorder
I-POPIA iyakunqanda ukugqithiselwa kolwazi lomntu ngaphandle koMzantsi Afrika ngaphandle kokuba iimeko ezithile zihlangatyeziwe. Xa idatha yekhredithi isenziwa okanye igcinwe ngaphandle koMzantsi Afrika — umzekelo, kwiiseva ezigcinwe kwiManyano yaseYurophu, eUnited States, okanye kwezinye iindawo — imigaqo yePOPIA yokutshintshela imida iyasebenza. Abaqeqeshi bekhredithi abasebenzisa iinkonzo zefu, iiplatifomu zesofthiwe, okanye abanye ababoneleli abaqhuba okanye abagcina idatha kumazwe ngamazwe kufuneka baqinisekise ukuthotyelwa kwale mithetho.
Umgaqo jikelele kukuba ulwazi lomntu siqu alunakudluliselwa kumntu wesithathu kwilizwe langaphandle ngaphandle kokuba elo lizwe linemithetho eyaneleyo yokukhusela idatha, umxholo wedatha uvuma ukudluliselwa, ukudluliselwa kuyimfuneko ekusebenzeni kwekhontrakthi, okanye ukudluliselwa kumdla wesifundo sedatha. I-Information Regulator igcina uluhlu lwamazwe anokhuseleko olwaneleyo, kodwa olu luhlu lulinganiselwe, kwaye iindawo ezininzi eziqhelekileyo zokubamba azibandakanyi.
Xa iingcali zekhredithi zisebenzisa amaqonga esoftware okanye iinkonzo zelifu ezisingathwa ngaphandle koMzantsi Afrika, kufuneka zazise imixholo yedatha malunga nokudluliselwa kwaye bafumane imvume efanelekileyo okanye bathembele kwesinye isiseko esisemthethweni. Izaziso zangasese kunye nemigaqo yenkonzo kufuneka ichaze ngokucacileyo apho idatha icutshungulwa kwaye igcinwe khona, kwaye abathengi kufuneka baqonde ukuba idatha yabo yekhredithi inokudluliselwa kumazwe ngamazwe.
Ukuba igunya elifumanayo linokhuseleko olufanelekileyo lwedatha - umzekelo, ukuba idatha icutshungulwa kwi-European Union, apho i-GDPR inikeza ukhuseleko oluqinileyo - oku kunokwanelisa iimfuno zePOPIA. Nangona kunjalo, iingcali zekhredithi kusafuneka zazise izihloko zedatha malunga nokudluliselwa kwaye ziqinisekise ukuba iikhontrakthi ezifanelekileyo zikhona nababoneleli-nkonzo.
Umda wommandla we-GDPR (Inqaku lesi-3) unokusebenza kwakhona xa idatha yekhredithi isetyenzwa kwi-EU, nokuba iqela elinoxanduva lisekelwe eMzantsi Afrika. Oku kuthetha ukuba abaqeqeshi bekhredithi abasebenzisa iinkonzo ezibanjwe yi-EU banokufuna ukuthobela zombini iimfuno zePOPIA kunye ne-GDPR. Ezi mithetho zimbini zineemfano kodwa zikwanomohluko, kwaye ukuqonda zombini kubalulekile ukuze kuthotyelwe ngokupheleleyo.
Izivumelwano zokucwangcisa idatha yokudluliselwa kwemida kufuneka zicace ngokukodwa malunga nalapho idatha icutshungulwa khona, ngawaphi amanyathelo okhuseleko akhoyo, kunye nendlela amalungelo omxholo wedatha aya kuhlonishwa ngayo. Izivumelwano kufuneka zicacise ukuba umqhubi uya kuthobela imithetho esebenzayo yokukhuselwa kwedatha, loo datha ayisayi kudluliselwa kwiindawo ezongezelelweyo ngaphandle kwesigunyaziso, kwaye ukhuseleko olufanelekileyo luyaphunyezwa.
Abachwephesha beentengo zemboleko kufuneka basebenze ngononophelo kubanikezeli benkonzo bamazwe ngamazwe ukuqinisekisa ukuba bayayiqonda imimiselo yePOPIA, ukuba baphumeza imilinganiselo yokhuseleko eyaneleyo, kwaye banokubonisa ukuthobela. Ukuthembela ngokulula kwiingxelo zomniki-nkonzo jikelele malunga nokhuseleko akwanelanga — iifemu kufuneka ziqinisekise ukuba imilinganiselo ethile ikhona kwaye iikhontrakthi zichaza ngokucacileyo izibophelelo.
Izivumelwano Zokwenziwa Kwedatha (DPAs)
Izivumelwano zokucwangcisa idatha zikhontrakthi ezibalulekileyo ezichaza ubudlelwane phakathi kwamaqela anoxanduva kunye nabaqhubi. Kubaqeqeshi bekhredithi abasebenzisa iiplatifti zesoftware, iinkonzo ze-credit bureau, ukusingathwa kwamafu, okanye abanye ababoneleli beqela lesithathu, ii-DPAs azikhethi - zifunwa yiPOPIA kwaye ziyimfuneko ekucaciseni izibophelelo, ukwaba ubutyala, kunye nokuqinisekisa ukuthotyelwa.
I-DPA kufuneka ichaze ngokucacileyo iindima zamaqela. Ngubani iqela elinoxanduva? Ngubani umqhubi? Luluphi uxanduva oluchaphazelekayo? Oku kucaca kubalulekile kuba iqela elinoxanduva lihlala linoxanduva lokuthobela, nokuba ngaba abaqhubi bayabandakanyeka. Ukungacaci malunga neendima kudala umngcipheko wokuthotyelwa kwaye kwenza kube nzima ukwaba ubutyala ukuba kuyenzeka ukophulwa.
I-DPA kufuneka ichaze izibophelelo zomsebenzisi. Umsebenzisi kufuneka aqhube iinkcukacha zakhe kuphela ngokuhambelana nemiyalelo yeqela elinoxanduva, kufuneka asebenzise amanyathelo okhuseleko afanelekileyo, kufuneka agcine imfihlo, kwaye kufuneka ancedise iqela elinoxanduva ekuhlangabezaneni nezibophelelo zePOPIA. Ezi zibophelelo kufuneka zingqale, zingabi zizo zonke. Ulwimi olungacacanga olufana nokuthi “umqhubi uya kuthobela imithetho esebenzayo” alwanelanga — i-DPA kufuneka ichaze ukuba ngawaphi amanyathelo okhuseleko aya kuphunyezwa, luluphi ulawulo lofikelelo oluya kubakho, kwaye umqhubi uya kunceda njani kwizicelo zezifundo zedatha.
Iimfuno zokhuseleko kufuneka zichazwe. I-DPA kufuneka icacise imigangatho yoguqulelo oluntsonkothileyo (i-AES-256 xa iphumla, i-TLS isendleleni), ulawulo lokufikelela (i-RBAC, i-MFA), iimfuno zokungena kuphicotho-zincwadi, kunye neenkqubo zokuphendula isiganeko. Kufuneka kwakhona kufuna ukuba umqhubi azise iqela elinoxanduva ngokukhawuleza ukuba ulwaphulo lwenzeka okanye ukuba amanyathelo okhuseleko aphazamiseka.
Izibophelelo zemfihlo ziqinisekisa ukuba abaqhubi abayivezi idatha yekhredithi kumaqela angagunyaziswanga okanye bayisebenzisele iinjongo ngaphandle kwezo zichazwe kwi-DPA. Oku kubaluleke ngakumbi xa abaqhubi befikelela kulwazi olubuthathaka lwemali. I-DPA kufuneka ithintele abasebenzisi ekusebenziseni idatha ngeenjongo zabo, ekwabelaneni ngedatha nabantu besithathu ngaphandle kwemvume, kunye nokugcina idatha ixesha elide kunemfuneko.
Ukunciphisa ukusetyenziswa kufuneka kucace. Yeyiphi idatha eya kwenziwa ngumqhubi? Ngaziphi iinjongo? Ingaba umsebenzisi uya kuyigcina ixesha elingakanani idatha? Ngaba umsebenzisi angasebenzisa idatha kuhlalutyo, ukuphuculwa kweenkonzo, okanye ezinye iinjongo? Le mida kufuneka icace ukunqanda ukutyeka kobubanzi kunye nokuqinisekisa ukuba ukusetyenzwa kuhlala ngaphakathi kwemida yoko bekuvunyelwene ngako ekuqaleni.
Iinkqubo zesaziso sokwaphulwa kufuneka zichazwe. I-POPIA ifuna ukuba kuxelwe ukophulwa kwedatha ngaphandle kokulibazisa okungafanelekanga, kwaye i-DPA kufuneka ichaze ukuba umqhubi kufuneka axelele ngokukhawuleza kangakanani iqela elinoxanduva, loluphi ulwazi olufanele lunikezelwe, kunye nendlela amaqela aya kulungelelanisa imizamo yokuphendula. Ixesha elibekiweyo kufuneka licaciswe — “kamsinyane kangangoko kunokwenzeka” alicacanga kakhulu, ngelixa “kwiiyure ezingama-24 zokufunyanwa” kucacile kwaye kuyenzeka.
I-DPA kufuneka kwakhona ijongane namalungelo esifundo sedatha. Umsebenzisi uya kulinceda njani iqela elinoxanduva ekuphenduleni izicelo zofikelelo, izicelo zokulungisa, okanye izicelo zokucima? Loluphi ulwazi oluya kunikwa ngumqhubi ukunceda lowo unoxanduva aphendule? Ezi nkqubo kufuneka zibhalwe ukuqinisekisa ukuba amalungelo ezifundo zedatha ahlonitshwa ngokufanelekileyo.
Amalungiselelo okuphelisa abalulekile. Xa i-DPA iphela, kwenzeka ntoni kwidatha? Umsebenzisi kufuneka abuyiselwe okanye acime ngokukhuselekileyo yonke inkcazelo yobuqu, yaye iDPA ifanele ichaze ukuba oku kuya kuqinisekiswa njani na. Ukucima nje idatha kwiinkqubo ezisebenzayo akwanelanga - ii-backups kunye nedatha egciniweyo kufuneka iqwalaselwe.
Iingcali ezininzi zeentengo zemboleko zisebenza ngaphandle kwee-DPAs ezisesikweni, endaweni yoko zixhomekeke kwimigaqo yenkonzo ngokubanzi okanye becinga ukuba ababoneleli ngeenkonzo baya kusingatha ukuthotyelwa ngokufanelekileyo. Oku kudala umngcipheko omkhulu. Ngaphandle kwe-DPA ecacileyo, izibophelelo azicacanga, ulwabiwo lwetyala alucacanga, kwaye ukuthotyelwa kuba nzima ukubonisa. Iingcali zekhredithi kufuneka ziqinisekise ukuba ii-DPAs zikhona kunye nabo bonke abaqhubi abalungisa idatha yekhredithi egameni labo.
Izikhewu eziqhelekileyo zePOPIA kwiMisebenzi yeTyala
Ngaphandle kweemfuno ezicacileyo zolawulo, iifemu ezininzi zeentengo zemboleko ziyasokola ukuthotyelwa kwePOPIA ngenxa yezikhewu eziqhelekileyo kwiinkqubo kunye neenkqubo zazo. Ukuqonda ezi zikhewu kunceda iifemu zichonge apho zifuna ukuphucula kwaye kutheni iindlela ezicwangcisiweyo zibalulekile.
Esona sikhewu sixhaphakileyo kukungabikho kwezivumelwano zokusetyenzwa kwedatha ngokusesikweni kunye nabathengisi besoftware. Uninzi lweengcali zekhredithi zisebenzisa iiplatifti zesoftware ukutsala iingxelo ze-credit bureau, ukwenza uvavanyo, kunye nokulawula iifayile zabaxhasi, kodwa zisebenza ngaphandle kwee-DPA ezicacileyo ezichaza izibophelelo zabaqhubi, iimfuno zokhuseleko, kunye nolwabiwo lwetyala. Oku kudala ukungaqondakali malunga nokuba ngubani onoxanduva lwento, kwenza kube nzima ukubonisa ukuthotyelwa, kwaye kwandisa umngcipheko ukuba ulwaphulo luyenzeka. Ngaphandle kwe-DPA, ubudlelwane bomsebenzi awucacanga, kwaye iingcali zetyala zinokusokola ukubonisa ukuba basebenzise ukongamela okufanelekileyo.
Iingxelo zeBureau ezigcinwe kwiidrive ekwabelwana ngazo ezingafihlwanga okanye iinkqubo ze-imeyile zesinye isikhewu esihlala sikhona. Iingcali zetyala zihlala zitsala iingxelo kwiiphothali zeofisi, zigcine njengeePDF, kwaye zigcine kwiifolda ekwabelwana ngazo okanye imisonto ye-imeyile. Ezi ndlela zogcino zikholisa ukuswela uguqulelo oluntsonkothileyo xa uphumle, ulawulo lofikelelo, okanye iilogi zophicotho. Nabani na onokufikelela kwi-shared drive angajonga idatha yekhredithi ebuthathaka, kwaye akukho rekhodi yokuba ngubani ofikelele kwingcaciso okanye nini. Oku kophula imeko yokhuseleko lwePOPIA kwaye kudala umngcipheko omkhulu wofikelelo olungagunyaziswanga okanye ukophulwa kwedatha.
Ukunqongophala kolawulo lokufikelela kwiinkcukacha zetyala kuxhaphakile. Xa iingxelo ze-bureau, iirekhodi zokuvavanya, okanye iifayile zabaxhasi zigcinwe kwiinkqubo ezabelwana ngazo ngaphandle kokulawulwa kokufikelela okusekelwe kwindima, bonke abasebenzi banokufikelela kuyo yonke idatha, kungakhathaliseki ukuba bayayidinga kwiindima zabo. Oku kwaphula umthetho-siseko welona lungelo lincinci kwaye kwandisa umngcipheko wofikelelo olungagunyaziswanga okanye ukusetyenziswa kakubi. Abavavanyi bamatyala banokufuna ukufikelela kwiingxelo ze-bureau, kodwa abasebenzi bezolawulo banokungadingi ukufikelela kwiinkcukacha ezibuthathaka zemali. Ngaphandle kolawulo olufanelekileyo lokufikelela, iifemu azikwazi ukubonisa ukuba zinciphisa ukufikelela koko kuyimfuneko.
Amanqaku ophicotho alahlekileyo adala iingxaki zokuthotyelwa. Xa iingcali zekhredithi zingakwazi ukubonisa ukuba ngubani ofikelele kwidatha, nini, okanye ngayiphi injongo, bayasokola ukubonisa ukuba bathatha ukhuseleko njengento ebaluleke kakhulu kwaye banokuphendula ngokufanelekileyo kwizicelo zedatha okanye uphando lokwaphulwa. Iindlela zophicotho olubanzi zibalulekile ekuthotyelweni kwePOPIA kunye nokuthotyelwa kweNational Credit Act, kunye neenkqubo ezifaka ngokuzenzekelayo lonke ufikelelo kunye notshintsho ludala iindlela zophicotho ezinamandla kunokugcinwa kweerekhodi ngesandla.
Akukho nkqubo yesaziso sokwaphulwa kwedatha ngumsantsa obalulekileyo. Xa ulwaphulo lusenzeka, ixesha libalulekile, kwaye iimpendulo ze-ad hoc azanelanga. Iingcali zekhredithi kufuneka zibe neenkqubo ezibhaliweyo zokubona ukuphulwa, okuqulethe umonakalo, ukwazisa amaqela achaphazelekayo, kunye nokunika ingxelo kwi-Information Regulator. Ngaphandle kwezi nkqubo, iifemu zinokulibazisa izaziso, zibonelele ngolwazi olungaphelelanga, okanye zisilele ukuthatha amanyathelo afanelekileyo okunciphisa, ukwandisa zombini umngcipheko wolawulo kunye nokulimala kwizifundo zedatha.
Imigaqo-nkqubo yokugcinwa kwedatha engacacanga idala iingxaki zokuthotyelwa. Xa iingcali zekhredithi zingenayo imigaqo-nkqubo ecacileyo echaza ukuba iintlobo ezahlukeneyo zedatha ziya kugcinwa ixesha elingakanani, xa idatha iya kucinywa, kwaye yeyiphi imiqobo esebenzayo, babeka umngcipheko wokuba bagcine idatha ixesha elide kunokuba kuyimfuneko (ngokuphulwa kwe-POPIA) okanye ukucima idatha ngaphambi kwexesha (ukwaphula ezinye iimfuno zolawulo). Imigaqo-nkqubo yogcino kufuneka ibhalwe phantsi, ixelelwe kubasebenzi, kwaye iphunyezwe ngokucwangcisiweyo, kodwa iifemu ezininzi zixhomekeke kwizigqibo zethutyana okanye zicinge ukuba idatha inokugcinwa ngokungenasiphelo.
Ezi zithuba azinakuphepheka. Zivela ekuthembeleni kwiinkqubo zezandla, izixhobo eziqhelekileyo, kunye nokuhamba komsebenzi we-ad hoc. Iifemu ezamkela iinkqubo ezicwangcisiweyo ezilungiselelwe ukusebenza kwamatyala kunye nokuthotyelwa kwePOPIA kunokuvala ezi zikhewu kwaye ziguqule ukuthotyelwa komthwalo kube sisiphumo sendalo sokusebenza kakuhle. Iingcali zamatyala ezifikelela kulwazi lweziko kufuneka zithobele Indlela yokuziphatha ye-CBA, eyongeza imigangatho engqamene neshishini yokuphatha idatha. Into ephambili kukuyila iinkqubo kunye neenkqubo ezakha ukhuseleko, ulawulo lokufikelela, iindlela zokuphicothwa kweencwadi, kunye nolawulo lokugcinwa kwiinkqubo zemihla ngemihla kunokuba ziphathwe njengenkxalabo eyahlukileyo.
Phatha idatha yeTyala ngokuzithemba
Ukuthotyelwa kwePOPIA kuzinziswa kuwo wonke umba wokwenziwa kwetyala - ukusuka kwindlela iingxelo zeofisi ezitsalwa kwaye zigcinwe ngayo ukuya kwindlela uhlolo olwenziwa ngayo kunye nendlela idatha egcinwa ngayo. Abachwephesha bamatyala abaphatha idatha yekhredithi kufuneka baqonde izibophelelo zabo njengamaqela anoxanduva okanye abaqhubi, baphumeze imilinganiselo yokhuseleko efanelekileyo, baqinisekise ukuba izivumelwano zokucwangcisa idatha zikhona, kwaye bakhe ukuthotyelwa komsebenzi wabo wemihla ngemihla.
Iziphumo zokungathobeli zinzima: izohlwayo ezilawulayo, uxanduva loluntu, ilahleko yentembeko yomxhasi, kunye nokwenzakala okunokwenzeka kubathengi. Kodwa ukuthobela kuyafezekiswa xa iifemu ziyithatha njengomgaqo woyilo endaweni yokucinga emva koko. Iinkqubo ezibeka kumbindi wedatha yentengo yemboleko, zisebenzisa ulawulo olusekelwe kwindima yolawulo lokufikelela, ukufihla idatha xa uphumle kwaye uhamba, ugcina iindlela zophicotho olubanzi, nokulawula ukugcinwa zixhasa ngokuzenzekelayo ukuthotyelwa kwePOPIA ngempumelelo kuneenkqubo zezandla okanye izixhobo eziqhelekileyo.
Dibana no ukubhukisha idemo kwaye ubone ukuba ulawulo lofikelelo olusekwe kwindima, ugcino oluntsonkothileyo, kunye neendlela ezigcweleyo zophicotho zixhasa izibophelelo zakho zePOPIA xa usebenza neenkcukacha zecredit bureau.