Vargo
How to borrowHow to repayFAQAbout usContact us
+27713011094Log in
  • Main
  • PAIA Manual

PAIA Manual

Prepared in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 (as amended) and the Protection of Personal Information Act 4 of 2013 (as amended) of Saltera (Pty) Limited trading as Vargo, 2025/921931/07.

1. Introduction

Saltera (Pty) Limited trading as Vargo (the “Company”) understands the importance of transparency and the Constitutional right of access to information and will do our outmost best to ensure that anyone who requires access to any record to fully exercise and protect their rights has access to the PAIA Guide prepared by the Regulator as well as assistance from us in undertaking the request process. The Company takes extreme care to ensure all the records we hold are protected from unlawful access and are processed in accordance with South African law. To this end, we have prepared this PAIA manual in accordance with the requirements of section 51 of PAIA to assist anyone where they seek to request access to information held by us under PAIA.

2. Definitions and Interpretation

In this manual, unless otherwise indicated by context, the following words and expressions bear the meanings assigned to them and cognate expressions bear corresponding meanings:

  • "DIO" means the Deputy Information Officer;
  • "IO" means Information Officer;
  • "PAIA" means the Promotion of Access to Information Act, 2 of 2000, as amended;
  • "POPI" means the Protection of Personal Information Act, 4 of 2013, as amended;
  • "Regulator" means the Information Regulator established in terms of section 39 of POPI;
  • "Regulations" means the regulations published in terms of section 92 of PAIA; and
  • "South Africa" means the Republic of South Africa.

3. Purpose of PAIA Manual

The purpose of this PAIA manual is to assist anyone to:

  • review the categories of records we hold which are available without having to submit a formal PAIA request;
  • understand how to make a request for access to a record of ours, by providing a description of the subjects on which we hold records and the categories of records held under each subject;
  • review the types of records which are available in accordance with any other legislation;
  • access all the relevant contact details of the IO and DIO (if any) of the Company who will assist with the records anyone intends to access;
  • understand how to access the guide on how to use PAIA, as updated by the Regulator;
  • understand whether we will process personal information, the purposes for which we process personal information and the description of the categories of data subjects and of the information or categories of information relating thereto;
  • distinguish the categories of data subjects and of the information or categories of information relating thereto;
  • identify the third parties to whom personal information may be supplied by us;
  • identify if we have planned to transfer or process personal information outside of South Africa and the parties to whom the personal information may be transferred; and
  • understand the appropriate security measures we employ to ensure the confidentiality, integrity, and availability of the personal information we process.

4. Guide on How to Use PAIA and How to Obtain Access to the Guide

The Regulator has, in terms of section 10(1) of PAIA, updated and made available the revised Guide on how to use PAIA (“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 POPI.

The Regulator has made the PAIA Guide available in each of the official languages of South Africa and in braille.

The PAIA Guide contains the following:

  • The objects of PAIA as well as POPI;
  • How to access the postal address, telephone number and email address of every registered IO and DIO (if any) (for both public and private bodies);
  • The manner and form of request for:
    • access to a record of a public body contemplated in section 11 of PAIA; and
    • access to a record of a private body contemplated in section 50 of PAIA.
  • the assistance available from the IO of a body in terms of PAIA and POPI;
  • the assistance available from the Regulator in terms of PAIA and POPI;
  • 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 POPI, including the manner of lodging –
    • an internal appeal;
    • a complaint to the Regulator; and
    • an application with a court against a decision by the IO of a public body, a decision on internal appeal or a decision by the Regulator or a decision of the head of a private body;
  • the provisions of sections 14 and 51 of PAIA requiring a public body and private body, respectively, to compile a manual, and how to obtain access to a manual;
  • the provisions of sections 15 and 52 of PAIA providing for the voluntary disclosure of categories of records by a public body and private body, respectively;
  • the notices issued in terms of sections 22 and 54 of PAIA regarding fees to be paid in relation to requests for access; and
  • the Regulations.

Anyone can inspect or make copies of the PAIA Guide from the office of the Regulator, during normal working hours.

The PAIA Guide can also be obtained -

  • upon request to the Company's IO or DIO (if any);
  • from the website of the Regulator (https://inforegulator.org.za).

A copy of the PAIA Guide is also available in the following two official languages, for public inspection during normal office hours-

  • English; and
  • Afrikaans.

5. Contact Details for Access to Information

Information Officer

Name: Hendrik Christoff Viljoen
Telephone: +27 71 301 1094
Email: info@vargo.co.za

Deputy Information Officer

Name: None
Telephone: None
Email: None

General Contact

Email: info@vargo.co.za
Telephone: +27 71 301 1094

Head Office

Physical Address: 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
Postal Address: 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
Website: vargo.co.za

6. Procedure to Request Access to Information

  1. A request for access to information for a record held by the Company must be made on a form which corresponds substantially to that of Form 2 of the Regulations along with proof of payment of the prescribed fee to the Company's IO or DIO (if any) at the details listed in paragraph 5.
  2. When completing Form 2 or a form substantially similar, a requester must provide clear and accurate information and clearly state the right which the requestor seeks to exercise or protect, the record which they are seeking to access and an explanation as to how such record will assist them to exercise or protect their rights.
  3. The Company has 30 (thirty) days within which to respond to any request received. Once a decision has been made, the Company's IO or DIO (if any) will inform a requester of their decision whether to grant or refuse a request and any fees payable on a form that corresponds substantially to that of Form 3 of the Regulations.
  4. The Company may refuse a request for access to a record on any of the grounds listed in Chapter 4 of PAIA (which are listed in the PAIA Guide).
  5. A requestor is required to pay the request fee before a request will be processed. The request fee is listed in Annexure B to the Regulations. The current request fee payable is R140.00 (one hundred and forty Rand) per request.
  6. The request fee must be paid into the Company's nominated bank account, which details are available from our IO or DIO (if any) on request.

7. Remedies

  1. If a requestor is unhappy with a decision made, they may submit a complaint to the Regulator.
  2. A complaint to the Regulator must be made on a form which corresponds substantially to that of Form 5 of the Regulations. A complaint to the Regulator must be lodged within 180 (one hundred and eighty) days of receipt of the decision from the Company.
  3. The complaint will then follow the dispute resolution process described in the Regulations as well as the PAIA Guide.

8. Records Which Are Available Without Request

The following records are made freely available by the Company and do not require any request to access:

Category of recordsTypes of the RecordWhere Available
The Company PoliciesTerms and Conditions of UseOn Website
The Company PoliciesPrivacy policyOn Website

9. Records Which Are Available in Accordance With Other Legislation

The following records are freely available to the public in accordance with legislation:

Category of RecordsApplicable Legislation
Memorandum of IncorporationCompanies Act 71 of 2008
PAIA ManualPromotion of Access to Information Act 2 of 2000
Privacy PolicyProtection of Personal Information Act 4 of 2013

10. Subjects and Categories of Records Held

The Company holds records on the following subjects:

Subject of RecordsCategories of Records
Company Secretarial Memorandum of Incorporation; share certificates, resolutions, director appointments and registrations, minutes of meetings, securities register
Human Resources HR policies and procedures; available employment opportunities (if any); employee records
Finance Banking/bank account records; contractual agreements; accounting records; financial statements and reports; invoices
InsuranceInsurance policy documents and contractual agreements
Intellectual PropertyTrademarks, copyright, knowhow, and contractual agreements
TaxIncome tax records; contractual agreements
PropertyLease agreements (if any)
Commercial Agreements Service level agreements; employee agreements; contractor agreements; client and supplier agreements; loan agreements
Information Technology Software licenses; data protection measures; data retention formulae; breach recovery processes

11. Processing of Personal Information

Purpose of Processing

The Company processes personal information for legitimate business purposes and as a necessary function of a client's engagement with our services with such client's express consent. We therefore process personal information in the following circumstances:

  • to provide our services to clients and operate our business;
  • to receive and accept services from independent contractors;
  • to provide it to authorised third parties and service providers who need personal information to provide services to us or our clients;
  • to provide it to mandated government authorities when instructed to do so for legal compliance only (such as the Income Tax Act, FICA etc);
  • to improve experiences on our website through analytical data.

Data Subjects and Information Processed

As a responsible party, we process the following information from the following list of data subjects:

Data SubjectsPersonal Information that may be processed
Clients Information from on-boarding, credit applications and use of services which may include personal information; identity documentation and information; gender; age; race; contact details; business information; financial information; tax information; banking information; location information; employment information; education history; credit history; support enquiries; any other personal and/or confidential information provided by clients.
Service Providers / Vendors / Independent Contractors / Sub-Contractors Company information such as name, registration number, VAT information, registered address, and/or personal information such as full name, address, identity number, contact information, and information obtained from contractual agreements and in the provision of goods/services such as trade secrets, confidential information, banking information and/or tax information and other personal information.
Employees / Possible Employees / Directors / Shareholders Full name, identity documentation, address, contact information, educational qualifications (including curriculum vitae), gender, race, banking information, and tax information and other personal information.

Third Party Recipients to Whom We Share Personal Information

In accordance with our operational requirements, we share personal information with the following third parties:

Category of personal information Recipients or Categories of Recipients to whom the personal information may be supplied
Identity, Contact, Marketing, Financial, Payroll, Transactional, Contractual, Technical and Usage data. Software used for business operation
Identity, Contact, Marketing, Financial, Payroll, Transactional, Contractual, Technical and Usage data. Accountants and Legal Advisors
Identity, Contact, Marketing, Financial, Payroll, Transactional, Contractual, Technical and Usage data. Third party service providers providing services to us or our clients (including, without limitation, verification and information service providers, credit bureaux and collection agencies/service providers).

International Transfers

The Company may transfer personal information outside of South Africa in the following circumstances:

  • Personal information which is stored using secure cloud servers hosted outside of South Africa;
  • To engage with third parties or for purposes of providing any services;
  • Personal information may be shared within the Company's group of companies or processed outside of South Africa by their employees, directors or agents as part of the group structure and operations (including, without limitation, through the use of any CRM or other software).

Whenever we may transfer your personal information out of South Africa, we will ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

  • We will only transfer your personal information to countries that have appropriate data protection legislation in place similar to that of South Africa; and/or
  • We may use specific contracts/clauses which ensure personal information is processed and secured lawfully.

You are welcome to contact us if you want further information regarding transfer of personal information out of South Africa.

Data Security

To prevent the personal information we process from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed we follow industry standard security measures. All information processed is also restricted to only those individuals who need access.

12. Availability of PAIA Manual

A copy of this PAIA Manual is available-

  • on our website, at vargo.co.za/paia-manual;
  • at our office;
  • to any person upon request and upon the payment of a reasonable prescribed fee; and
  • to the Information Regulator upon request.

The fee for a copy of this PAIA Manual, as contemplated in Annexure B of the Regulations, shall be payable per each A4-size photocopy made.

13. Update to This PAIA Manual

This PAIA Manual will be regularly updated by the Company's IO or DIO (if any).

This PAIA Manual was last updated on 22 October 2026.

Thank you for your interest and if you have any questions, please direct them to the IO or DIO (if any).

Choose loan amount

  • R 800 – R 2,500For new customers
  • R 2,501 – R 5,500For repeat customers

R 2,500

2500
R 800R 5,500
Total repayment —

Includes 30-day interest & fees: —

Apply for a loan
Vargo
  • +27713011094Mon - Sat (8 AM - 5 PM)
  • support@vargo.co.zaExpect a reply in 15 mins
  • info@vargo.co.zaGeneral enquiries
  • privacy@vargo.co.zaPOPIA/ PAIA information queries
  • collections@vargo.co.zaRepayment queries
  • complaints@vargo.co.zaComplaints & feedback

Platform

  • How to borrow
  • How to repay
  • FAQ

Company

  • About us
  • Contact us

Legal

  • Privacy Policy
  • Terms & Conditions
  • Account Cancellation
  • Language policy
  • PAIA Manual

© 2026 Vargo. All Rights Reserved.

VARGO is a brand of Saltera (Pty) Ltd (registration number 2025/921931/07), a registered credit provider in the Republic of South Africa (NCR registration number NCRCP24251) and a member of the Credit Association of South Africa (CASA). VARGO is not a separate legal entity. We are committed to responsible lending, compliance with the National Credit Act, and full transparency in all our financial services.