Back to CalculatorPAIA 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
4AM Wealth (Pty) Ltd · Registration Number: 2016/034235/07 · FSP Number: 47249
Date of Revision: 26 February 2026
1. List of Acronyms and Abbreviations
| CEO | Chief Executive Officer |
| DIO | Deputy Information Officer |
| FSP | Financial Services Provider |
| IO | Information Officer |
| 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 |
2. Purpose of PAIA Manual
This PAIA Manual is compiled by 4AM Wealth (Pty) Ltd in accordance with section 51 of PAIA. This Manual is useful for the public to:
- Check the categories of records held which are available without a formal PAIA request
- Understand how to make a request for access to a record of the body
- Know the description of records available in accordance with any other legislation
- Access all relevant contact details of the Information Officer and Deputy Information Officer
- Know the description of the guide on how to use PAIA and how to obtain access to it
- Know if the body processes personal information, the purpose of processing, and categories of information
- Know the recipients or categories of recipients to whom personal information may be supplied
- Know if personal information may be transferred outside South Africa and appropriate safeguards
- Know whether the body has appropriate security measures to ensure confidentiality, integrity and availability of personal information
3. Key Contact Details
Information Officer
Name: Ryno Taljaard · Title: Director / Information Officer
Tel: 012 004 8302 · Email: Ryno@4amwealth.co.za
Deputy Information Officer
Name: Shawn Taljaard · Title: Deputy Information Officer
Tel: 012 004 8302 · Email: Shawn@4amwealth.co.za
General Access to Information
Email: info@4amwealth.co.za
Head Office
6 Daventry Street, Lynnwood Manor, Pretoria, 0081, South Africa
Tel: 012 004 8302 · Website: www.4amwealth.co.za
4. Guide on How to Use PAIA
The Regulator has, in terms of section 10(1) of PAIA, updated and made available a Guide on how to use PAIA in an easily comprehensible form. The Guide is available in each of the official languages and in braille.
The Guide contains descriptions of the objects of PAIA and POPIA, contact details of the Information Officer, the manner and form of a request for access to records, assistance available from the Information Officer and the Regulator, all remedies in law, and provisions for private body manuals.
Members of the public can inspect or make copies of the Guide from offices of public and private bodies, including the office of the Regulator, during normal working hours. The Guide is also available from the Regulator's website: https://inforegulator.org.za/
A copy of the Guide is available in English and Afrikaans for public inspection during normal office hours.
5. Categories of Records Available Without a Formal 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. Records Available in Accordance with Other Legislation
| Applicable Legislation | Records Held |
|---|---|
| Companies Act 71 of 2008 | Memorandum of Incorporation, Minutes of Directors Meetings, Register of Members, Register of Directors |
| PAIA 2 of 2000 | PAIA Manual, Request for Access Forms, Outcome of Request Forms |
| FAIS Act 37 of 2002 | FSP Licence, Compliance Reports, Disclosure Documents, Record of Advice |
| FICA 38 of 2001 | Risk Management and Compliance Programme (RMCP), Client Due Diligence Records, Source of Funds Records |
| POPIA 4 of 2013 | Privacy Policy, Data Processing Records, Consent Forms |
| ECT 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. Subjects on Which Records Are Held
| Subject | Categories of Records |
|---|---|
| Strategic & Corporate Governance | Memorandum of Incorporation; Board Resolutions and Minutes; Shareholder Agreements; Business Plans; Annual Reports |
| Human Resources | Employment Contracts; Leave Records; Payroll Records; Performance Appraisals; Training and Competency Records; Fit and Proper Certificates |
| Regulatory & Compliance | FSP Licence; FSCA Correspondence; Compliance Reports; FICA RMCP; Conflict of Interest Policy; Complaints Policy and Register; Debarment 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 | Portfolio mandates; Investment strategies; Model portfolio data; Performance reports; Asset allocation records |
| IT & Systems | System logs; Cybersecurity policies; Data backup records; Software licences |
8. Processing of Personal Information
4AM Wealth processes personal information for the purposes of rendering authorised financial services, regulatory compliance (FICA, FAIS, FSCA requirements), fraud prevention and security, and marketing communications (with consent). Personal information may be shared with product providers, portfolio administrators, compliance consultants, auditors, IT & hosting providers, payment processors, and regulatory authorities where required by law.
Where personal information is transferred outside South Africa, appropriate safeguards are implemented in accordance with POPIA. Appropriate security measures are in place to ensure the confidentiality, integrity and availability of all personal information processed.
9. Availability of the Manual
This manual is available:
- On the 4AM Wealth website: www.4amwealth.co.za
- Upon request to the Information Officer at Ryno@4amwealth.co.za
- At the registered office during normal business hours
This manual will be updated as and when required to reflect changes in the company's operations or applicable legislation.
Info@4amwealth.co.za · Office: +27 72 187 0122 · WhatsApp: +27 72 187 0122
6 Daventry St, Lynnwood Manor, Pretoria, South Africa
©2025 4AM Wealth (Pty) Ltd — FSP 47249. Authorised Financial Services Provider.