Cookie Policy


        1.1.    We might use cookies and other techniques such as web beacons when you visit our website.
                  “Cookies” are small text files used by us to recognise repeat users, facilitate your on-going
                  access to and use of our website and allow us to track your usage behaviour and compile
                  aggregate data that will allow us to improve the functionality of our website and content. “Web
                  beacons” are small, clear picture files used to follow your movements on our website. For
                  example, storing your preferred settings for the next time you visit.

        1.2.    The information we collect from cookies enables us to:

                  1.2.1.    tailor our websites to your personal needs;
                  1.2.2.    remember the notifications that you have been shown, so that you are not shown
                               them again;
                  1.2.3.    help us find information once you have logged in;
                  1.2.4.    help us link your browsing information to you and your personal information, for
                               example, when you choose to register for a service;
                  1.2.5.    make improvements and updates to our websites based on the way you want to
                               use them; and
                  1.2.6.    we generally do not use cookies to identify you personally.

                  1.3.       The type of information collected by cookies is not used to personally identify you.

       We use the following categories of cookies:

        2.1.    Category 1: necessary cookies

                  Necessary cookies enable you to use our websites and all its features, such as enabling
                  access to secure areas of the website. Without these cookies you may not be able to use all
                  the features of our websites.

        2.2.    Category 2: performance cookies

                  Performance cookies collect information about how you use our websites so we can improve
                  them for you in future. For example, they collect information on which pages you visit most
                  often and any error messages you may get. The information collected by these cookies is
                  anonymous. They do not collect any information that can identify you personally.

        2.3.    Category 3: functionality cookies

                  Functionality cookies enable us to provide you with a more personalized experience. They
                  help us to remember data, such as your username and language preference, to save you
                  having to enter them again the next time you visit. The information these cookies collect is
                  anonymous. They cannot track your browsing activity on other websites.

        2.4.    Category 4: targeting/advertising cookies                

                  We and our service providers may use advertising cookies to deliver ads that we believe are
                  relevant to you and your interests. For example, we may use targeting or advertising cookies
                  to customize the advertising and content you receive on our websites, to limit the number of
                  times you see the same ad on our websites and to help measure the effectiveness of our
                  advertising campaigns.

        2.5.    Category 5: social media cookies

                  Our websites use third-party cookies from social media sites such as Facebook, Twitter and
                  LinkedIn to enable in-depth campaign reporting and to track social network users when they
                  visit our websites, by using a tagging mechanism provided by those social networks. These
                  cookies can also be used for event tracking and remarketing purposes. Any data collected
                  with these tags will be used in accordance with our privacy policy and with the social network's
                  privacy policies. Our websites will not collect or store any personally identifiable information
                  from the user. 


        3.1    To ensure you get the best possible experience when visiting our websites, we recommend
                 that you accept cookies. However, you can opt-out of each cookie category (except strictly
                 necessary cookies) by clicking on the “cookie settings” button or disable cookies in your web

        3.2    Cookies may, however, be necessary to provide you with certain features available on our
                 website. If you disable cookies you may not be able to use these features, and your access
                 to our website will be limited.

Website Privacy Policy


        This website privacy policy describes how we process information we collect and/or receive from you. 


        We collect and receive information about you in the following ways:

        2.1.    Information provided by you. We may collect personal information (that is information about you
                      that is personally identifiable like your name, address, gender, e-mail address, physical
                      address, phone number(s) and other unique information such as product and service
                      preferences and contact preferences that are not otherwise publicly available) to the extent
                      that you provide us with same; and

        2.2.    Information that is collected automatically. We receive and store information which is transmitted
                      automatically and this information includes information from cookies, your Internet Protocol
                      (“IP”) address, browser type, web beacons (which are electronic files that allow a web site to
                      count users who have visited that page or to access certain cookies), embedded web links,
                      and other commonly used information- gathering tools.

        2.3.    Information you give us 

                  This includes any information that you provide to us directly:

                  2.3.1. when you sign-up to utilise our services;

                  2.3.2. by filling in forms on our websites, or those provided to you;

                  2.3.3. when you enter a competition, promotion or complete a survey;

                  2.3.4. by posting comments or content on our social media pages; or

                  2.3.5. when you contact us or we contact you and you provide information directly to

        2.4.    What personal information we collect

                  2.4.1. When you register to use our services, you may be required to provide us with the
                                       following information, your:

                              name and surname;

                              contact number and email address;

                              physical address;

                              identity or passport number; and 

                              date of birth.

        2.5.    Information we collect or receive when you use our website or social media platforms

                  We collect information when you use websites or social media platforms by using cookies,
                  web beacons and other technologies. Depending on how you access and use websites, we
                  may receive:

                  2.5.1. log information;

                  2.5.2. information we infer about you based on your interaction with products and

                  2.5.3. device information (for example the type of device you're using, how you access
                            platforms, your browser or operating system and your Internet Protocol ("IP")

                  2.5.4. location information.

        2.6.    Information from third-party sources

              We may receive additional information about you that is publicly or commercially available and
                  combine that with the information we have collected or received about you in in other ways.


    We use the information we collect and receive for the following general purposes:

        3.1. to provide you with information, products or services you request from us;

        3.2. in order to refer you to an appropriate third-party service provider;

        3.3. to communicate with you;

        3.4. to provide you with support; and

        3.5. to provide effective advertising (for example to be provide you with news, special offers and
               general information about other goods, services and events which we offer, that are similar to
               those that you have already hired or enquired about).


        4.1. We don’t sell your personal information to third parties for their marketing purposes.

        4.2. We may share information with:

               4.2.1. our affiliates, in other words, other companies in our group;

               4.2.2. we may disclose your personal information to a limited number of our employees and
                         third party service providers (other than those who we refer you to), who we assist
                         you to interact with;

               4.2.3. our business partners. We may share non-personally identifiable information with select
                         business partners;

               4.2.4. other parties in response to legal process or when necessary to conduct or protect our
                         legal rights;

               4.2.5. companies that provide services to us. Companies that provide services to us or act on
                         our behalf may have access to information about you. These companies are
                         limited in their ability to use information they receive in the course of providing
                    services to us or you; and

               4.2.6. third-parties where you provide consent. In some cases, third-parties (often advertisers)
                         may wish to attain information about you in order to promote their products to
                         you, or for whatever other reason. We may share information with third-parties
                         where you provide consent in the form of an explicit opt-in. Before we ask you to
                         opt-in, we will endeavour to provide you with a clear description of what data
                         would be shared with the third-party. Remember that once you have opted in to
                         allow us to send your information to the third-party, we cannot control what they
                         do with your data; therefore, be sure to investigate their privacy policies before
                         providing permission for us to share your information.


        5.1. You have the right to ask us not to contact you for marketing purposes. You can exercise this
               right at any time by using any of the various "opt-out" options that we will always provide to
               you when we communicate with you. We won’t send you marketing messages if you tell us
               not to but we will still need to send you service-related messages.

        5.2. Our websites use cookies. If you wish to reject our cookies, you can configure your browser to do

        5.3. We want to make sure that any data we hold about you is up to date. So, if you think your personal
               information is inaccurate, you can ask us to correct or remove it.


        We will retain your personal information only for as long as is necessary for the purposes set out in
        this privacy policy or to comply with our legal obligations, resolve disputes, and enforce our legal
        agreements and policies.


        The security of your data is important to us. While we strive to use commercially acceptable means to
        protect your personal information, we cannot guarantee its absolute security. However, we do employ
        a number of safeguards intended to mitigate the risk of unauthorized access or disclosure of your
        information. We will do our best to protect your personal information and we will use up to date
        technology that will help us to do this. We will at all times comply with our obligation under applicable


        8.1. We are based in and operate from South Africa. Your information, including personal information,
               may be transferred to and maintained on servers located outside of your country of residence,
               where the data privacy laws, regulations and standards, may not be equivalent to the laws in
               your country of residence.

        8.2. We might transfer your personal information to places outside of South Africa and store it there,
               where our suppliers might process it. If that happens, your personal information will only be
               transferred to and stored in country that has equivalent, or better, data protection legislation
               than South Africa or with a service provider which is subject to an agreement requiring it to
               comply with data protection requirements equivalent or better than those applicable in South

        8.3. Your use of our website, followed by your submission of information to us, represents your consent
               to such transfer.

        8.4. We will take all steps reasonably necessary to ensure that your data is treated securely and in
               accordance with this privacy policy.


        Our website or social media platforms may contain links to and from websites, mobile applications or
        services of third parties, advertisers or affiliates. Please note that we are not responsible for the privacy
        practices of such other parties and advise you to read the privacy statements of each website you visit
        which collects personal information.


        We may update this privacy policy from time to time. Any changes that we may make to our privacy
        policy will be posted on our website and will be effective from the date of posting.


        11.1. You may at any time request:

                 11.1.1. confirmation that we hold your personal information;

                 11.1.2. access to your personal information;

                 11.1.3. the identities or categories of third parties to whom we have disclosed your personal
                             information; or

                 11.1.4. that we correct or delete any personal information that is incomplete, misleading,
                             inaccurate, excessive or out of date.

        11.2. Requests may be made in writing to [email protected]

External Privacy Statement


        1.1.     For purposes of this Statement:

                   1.1.1.     “Applicable Laws” means all laws, regulations that Nikos is required to comply

                   1.1.2.     “Client” or “you” means any prospective, new or existing client of Nikos and its
                                 subsidiaries; and

                   1.1.3.     “Nikos” or “we” or “us” means Nikos Franchise Proprietary Limited. To obtain
                                 more information please refer to

        1.2.     This Statement sets out how your personal information will be used by Nikos and applies to
                   any information, including personal and special personal information, you give to Nikos or
                   which Nikos may collect from third parties.

        1.3.     It is important that you read this Statement carefully before submitting any personal
                   information to Nikos.

        1.4.     By submitting any personal information to Nikos you provide consent to the processing of your
                   personal information as set out in this Statement. The provisions of this Statement are subject
                   to mandatory, unalterable provisions of Applicable Laws;

        1.5.     Please do not submit any personal information to Nikos if you do not agree to any of the
                   provisions of this Statement. If you do not consent to the provisions of this Statement, or parts
                   of the Statement, Nikos may not be able to provide its products and services to you.


        If you have any comments or questions about this Statement please contact the Information Officer,
        Designated Information Officer:        Duane Starkey

        Email address:                                  [email protected]

        Postal address:                                 PO Box 166, Century City 7446

        Street address:                                 14 Edison Way, Century Gate Business Park, Century City 7441

        Phone number:                                 021 555 5100


        3.1.     We may amend this Statement from time to time for any of the following reasons:

                   3.1.1.     to provide for the introduction of new systems, methods of operation, services,
                                 products or facilities;

                   3.1.2.     to comply with changes to any legal or regulatory requirement;

                   3.1.3.     to ensure that our Statement is clearer and more favourable to you;

                   3.1.4.     to rectify any mistake that may be discovered from time to time; and/or

                   3.1.5.     for any other reason which Nikos, in its sole discretion, may deem reasonable or

        3.2.     Any such amendment will come into effect and become part of any agreement you have with
                   Nikos when notice is given to you of the change by publication on our website. It is your
                   responsibility to check the website often.


        4.1.     Nikos takes your privacy and the protection of your personal information very seriously, and
                   we will only use your personal information in accordance with this Statement and applicable
                   data protection legislation. It is important that you take all necessary and appropriate steps to
                   protect your personal information yourself (for example, by ensuring that all passwords and
                   access codes are kept secure).

        4.2.     We have implemented reasonable technical and operational measures to keep your personal
                   information secure.

        4.3.     You hereby indemnify and hold Nikos harmless from any loss, damages or injury that you may
                   incur as a result of any unintentional disclosures of your personal information to unauthorised
                   persons or the provision of incorrect or incomplete personal information to Nikos.


        5.1.     We may collect the following information about you:

                   5.1.1.     this information may include your name, address, contact details, date of birth,
                                 place of birth, identity number, passport number, bank details, details about your
                                 employment, tax number and financial information;

                   5.1.2.     records of correspondence or enquiries from you or anyone acting on your behalf;

                   5.1.3.     details of transactions you carry out with us;

                   5.1.4.     details of contracts, sales or leases you carry out with us;

                   5.1.5.     sensitive or special categories of personal information, including biometric
                                 information, such as images, fingerprints and voiceprints.

        5.2.     Where you provide us with the personal information of third parties you should take steps to
                   inform the third party that you need to disclose their details to us, identifying us. We will
                   process their personal information in accordance with this Statement.


        6.1.     You may provide personal information to us either directly or indirectly (through an agent
                   acting on your behalf, or an introducer), by completing an application for our products and
                   services or requesting further information about our products and services, whether in writing,
                   through our website, over the telephone or any other means.

        6.2.     We may also collect your personal information from your appointed agent, any regulator, or
                   other third party that may hold such information.


        7.1.     We may use, transfer and disclose your personal information for the purposes of:

                   7.1.1.       providing you with the services, products or offerings you have requested, and
                                   notifying you about important changes to these services, products or offerings;

                   7.1.2.       managing your account or relationship and complying with your instructions or

                   7.1.3.       detecting and preventing fraud and money laundering and/or in the interest of
                                   security and crime prevention;

                   7.1.4.       assessing and dealing with complaints and requests;

                   7.1.5.       operational, marketing, auditing, legal and record keeping requirements;

                   7.1.6.       verifying your identity or the identify of your beneficial owner;

                   7.1.7.       transferring or processing your personal information outside of the Republic of
                                   South Africa to such countries that may not offer the same level of data protection
                                   as the Republic of South Africa, including for cloud storage purposes and the use
                                   of any of our websites;

                   7.1.8.       complying with Applicable Laws, including lawful requests for information
                                   received from local or foreign law enforcement, government and tax collection

                   7.1.9.       recording and/or monitoring your telephone calls and electronic communications
                                   to/with Nikos in order to accurately carry out your instructions and requests, to
                                   use as evidence and in the interests of crime prevention;

                   7.1.10.     conducting market research and providing you with information about our
                                   products or services from time to time via email, telephone or other means (for
                                   example, events);

                   7.1.11.     where you have unsubscribed from certain direct marketing communications,
                                   ensuring that we do not send such direct marketing to you again;

                   7.1.12.     disclosing your personal information to third parties for reasons set out in this
                                   Statement or where it is not unlawful to do so; 

                   7.1.13.     monitoring, keeping record of and having access to all forms of correspondence
                                   or communications received by or sent from Nikos or any of its employees, agents
                                   or contractors, including monitoring, recording and using as evidence all
                                   telephone communications between you and Nikos; and

                   7.1.14.     improving or evaluating the effectiveness of our business or products, services
                                   or offerings

        7.2.     We may from time to time contact you about services, products and offerings available from
                   Nikos or specific subsidiaries which we believe may be of interest to you, by email, phone,
                   text or other electronic means, unless you have unsubscribed from receiving such
                   communications. You can unsubscribe from receiving such communications via our website,
                   mobile application, or by contacting our Customer Care Centre.


        8.1.     Your personal information may be shared with our subsidiaries, our agents and sub-
                   contractors, and selected third parties who process the information on our behalf.

        8.2.     We may also disclose your personal information to third parties in the following circumstances:

                   8.2.1.     to our subsidiaries who are contracted to provide products or services to you;

                   8.2.2.     to assess and monitor any of your applications for our products or services;

                   8.2.3.     to determine which products and services may be of interest to you and/or to
                                 send you information about such products and services, unless you object or
                                 choose not to receive such communications

                   8.2.4.     to have a better understanding of your circumstances and needs to provide and
                                 improve our products and services;

                   8.2.5.     to any relevant person and/or entity for purposes of prevention, detection and
                                 reporting of fraud and criminal activities, the identification of the proceeds of
                                 unlawful activities and the combatting of crime;

                   8.2.6.     to any regulator or supervisory authority, including those in foreign jurisdictions,
                                 if Nikos is required to do so in terms of Applicable Laws;

                   8.2.7.     to a prospective buyer or seller of any of our businesses or assets;

                   8.2.8.     to any person if we are under a duty to disclose or share your personal information
                                 in order to comply with any Applicable Laws, or to protect the rights, property or
                                 safety of Nikos, Clients or other third parties; and/or

                   8.2.9.     to your agent or any other person acting on your behalf, an or an introducer.

        8.3.     We may transfer your information to another of the Nikos entities, an agent, sub-contractor or
                   third party who carries on business in another country, including one which may not have data
                   privacy laws similar to those of South Africa. If this happens, we will ensure that anyone to
                   whom we pass your information agrees to treat your information with the same level of
                   protection as if we were dealing with it.

        8.4.     If you do not wish us to disclose this information to third parties, please contact us at the
                   contact details set out above. We may, however, not be able to provide products or services
                   to you if such disclosure is necessary.


        We may retain your personal information indefinitely, unless you object, in which case we will only
        retain it if we are permitted or required to do so in terms of Applicable Laws. However, as a general
        rule, we will retain your information in accordance with retention periods set out in Applicable Laws,
        unless we need to retain it for longer for a lawful purpose. (For example, for the purposes of complaints
        handling, legal processes and proceedings.)


        10.1.     You may request details of personal information which we hold about you under the Promotion
                     of Access to Information Act, 2000 (“PAIA”). Fees to obtain a copy or a description of personal
                     information held about you are prescribed in terms of PAIA. Confirmation of whether or not we
                     hold personal information about you may be requested free of charge. If you would like to
                     obtain a copy of your personal information held by Nikos, please review our PAIA Manual
                     available for inspection, free of charge, at the offices of Spur and at

        10.2.    You may request the correction of personal information Nikos holds about you. Please ensure
                    that the information we hold about you is complete, accurate and up to date. If you fail to keep
                    your information updated, or if your information is incorrect, Nikos may limit the products and
                    services offered to you or elect not to open the account.

        10.3.    You have a right in certain circumstances to request the destruction or deletion of and, where
                    applicable, to obtain restriction on the processing of personal information held about you. If
                    you wish to exercise this right, please contact the Spur Customer Care Centre at [email protected].

        10.4.    You have a right to object on reasonable grounds to the processing of your personal
                    information where the processing is carried out in order to protect our legitimate interests or
                    your legitimate interests unless the law provides for such processing.


        11.1.    Should you believe that Nikos has utilised your personal information contrary to Applicable
                    Laws, you undertake to first attempt to resolve any concerns with us.

        11.2.    If you are not satisfied with such process, you may have the right to lodge a complaint with
                    the Information Regulator, using the contact details listed below:

                    11.2.1.     Tel: 012 406 4818

                    11.2.2.     Fax: 086 500 3351

                    11.2.3.     Email: [email protected].