Online Terms and Conditions

The JD Group is a division of Pepkor Trading (Pty) Ltd (Reg No: 1958/003362/07). These terms and conditions govern the use of the website for each brand of the JD Group, namely: Bradlows, Russells, Sleepmasters, Rochester (aforementioned referred to as JDHome), Connect Financial Solutions, HiFi Corp, Incredible Connection and Everyshop. These terms govern your use of the JD Group website. Access to the services, content and downloads available on the JD Group website may be classified as "electronic transactions" as defined in the Terms and Conditions of the Electronic Communications and Transactions Act, Act No. 25 of 2002(ECT Act) and Cyber Crime Act 19 of 2020.

1.1 We provide the JD Group website as a convenience to you. To use the JD Group website for services including but not limited to online shopping, browsing, product information, subscribing as a user, viewing and managing your account and orders, etc., we may require you to provide your personal information.

1.2 We reserve the right to change the documents and/or other materials contained on this website from time to time without notice. This right also applies to these terms and conditions. JD Group will post the revised terms on the website. You may use the JD Group website for your personal and non-commercial use, but not for republication, distribution, sale, or other use.

1.3 If there is a conflict of meaning between these website terms of use and any other terms, policies or notices, the specific terms, policies, or notices will take preference where it applies to your use of the JD Group website.

1.4 The terms make up the entire agreement between the parties. If any term is void, unenforceable, or illegal, the term will be severed, and the rest of the terms will be effective.

1.5 Unless otherwise specified, we intend the goods and services offered on this site for the Republic of South Africa citizens only. Accordingly, the terms are governed by and interpreted according to the Republic of South Africa laws without giving effect to any principles of conflict of Law.

1.6 By submitting a sales order and/or credit agreement through any of the JD Group website services, you warrant that you are acting within the bounds of the Law and that you have the legal capacity to transact. Furthermore, by you ticking the "I[YJ5] confirm I have read and understood the 'Terms & Conditions' box, you consent that the transaction forms a legally binding agreement between you and JD Group.

On the JD Group website terms of use:

2.1 “Terms” mean these website terms of use, any specific terms, the privacy policy and any other terms, policies or notices agreed between you and JD Group;

2.2 “We” or “us” or “JD Group” means JD Group, whichever one applies;

2.3 “Website” means www.jdgroup.co.za; www.bradlows.co.za; www.rochester.co.za; www.sleepmasters.co.za; www.russells.co.za

2.4 “JD Group website” means www.jdgroup.co.za;

2.5 “You” or “user” means any person who visits, accesses or uses the website or consumer or customer that enters into a transaction with JD Group.

2.6 “CFS” means Connect Financial Services Solutions (Pty) Ltd (Reg No 2008/431596/07) (NCRCP 11158) being the finance house/credit underwritten.

2.7 “Cookies” Information means when you access the website/platform, we may send one or more cookies (these are small text files containing a string of alphanumeric characters) to your computer to collect certain usage details.

As a user, JD Group grants you a limited, non-transferable revocable license to access and use the website subject to the terms and conditions. Your license does not extend to the website's source code or to the source code of any software or computer program that forms part of the website. You may only use the website for personal use, limited to viewing the website, providing information to the website, downloading product information for your review, or purchasing goods or services from the website.

You may only use the website if, in terms of South African Law, you have the legal capacity to do so and you are 18 years or older.

You agree and acknowledge that:

3.1 You will at all times comply with the Law(s); including the National Credit Act of 2005 and the Consumer Protection Act and/or any other applicable legislation (if it applies to the customer for the receiving, compiling and reporting of information.) Without limiting the generality of the foregoing, the customer specifically agrees that when reporting personal and other information to JD Group.

3.2 Such information will include all mandatory information relevant to complete the necessary transaction/s.

3.3 Please ensure all personal and billing details are accurate when placing an order or registering an account. Once an order is submitted, we are unable to amend Tax Invoices or Account Holder details. This is in compliance with VAT regulations and our internal security policies. Kindly double-check your information before checkout.

3.4 You may submit the information to JD Group, refer to our External Privacy Statement as to the use of your personal information.

3.5 As a visitor or user, you agree that we may electronically accumulate, keep and use the following of your information:

3.5.1 Internet usage information, including your Internet Protocol (“IP”) address, click patterns, browsing habits, version of software installed, system resolutions and type, plug-ins, colour capabilities, cookie preferences, language settings, search engine meta words (keywords), JavaScript enablement, unique user ID, the pages and content that you access on the platform/website and the dates and times that you visit the website, besides paths taken and time spent on pages/sites within the website (“usage details”); and

3.5.2 Additional information you may provide voluntarily, such as demographic information related to your favourite social networking site (e.g. the site name, address and description(s)), or information relating to your participation in JD Group competitions, promotions, studies, reviews and surveys, and additional services. (“Optional Details”).

3.5.3 Details submitted, when registering or transacting, to use the services on the JD Group website. You may submit optional details to us if you upload or download certain content (or products) from the website/platform, enter competitions, partake in promotions, respond to reviews/surveys, subscribe to or register for specific additional services; or else use any of the optional features and functionality of the website/platform.

3.5.4 “Cookies” Information, refer to

Cookie Policy.

3.6 When you access the website/platform or open one of our HTML emails, we may automatically collect and record certain usage details from your system by using different tracking technology.

3.7 Our Website may contain electronic image requests (called a “single-pixel gif” or “web beacon” request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner); can act as a web beacon. Web beacons are typically 1x1 pixel files, (tiny unnoticeable files), but their presence can usually be seen within a browser by clicking on “View” and then on “Source.” We may also insert web beacons in HTML-formatted newsletters, which we send to “opt-in” subscribers to count how many newsletters they have read. JD Group web beacons do not gather, monitor or share any personally identifiable information about our customers. They are just the technique we used to compile anonymous information about the website and service.

3.8 JD Group may use any optional details provided by you, for such purposes as shown to you at the time you agreed to provide such optional details.

3.9 We may use your usage details to:

3.9.1 Automatically validate and/or verify your identity; for the website and transaction security purposes via JD Group or via a third-party service provider.

3.9.2 Automatically provide you with the latest version of the JD Group application on your system.

3.9.3 Remember your information so you will not have to re-enter it during your visit the next time you access the website/platform.

3.9.4 Monitor aggregate website usage metrics such as total number of visitors and pages accessed; and

3.9.5 Track your entries, submissions, and status in any promotions or other activities in connection with your usage of the website/platform.

3.10 JD Group shall take all reasonable steps to protect the personal information of the Users and for this purpose, “personal information/personal details”; shall be defined as contained and detailed in the Protection of Personal Information Act (POPIA) and Promotion of Access to the Information Act 2 of 2000 (PAIA).

3.11 If you are a JD Group website user, you agree that we may also electronically gather, save and use the following information:

3.11.1 Name and surname, birth date, gender, identity number and /or passport number, nationality and country of residence (“Personal Information/Details”).

3.11.2 E-mail address, mobile number, home and delivery address and credit card billing address (“Contact Details”).

3.11.3 The credit or debit card number, cardholder name and expiration date you submit to JD Group’s website regarding your credit or debit card(s).

3.12 JD Group’s website collects the aforesaid information from you in the following manner:

3.12.1 User-provided Information: Your Personal Information/Details, Contact Details and Debit or Credit Card Details will be provided by you directly to us during your registration as a JD Group website user and/or thereafter by you actively transacting, updating or supplementing such details in your JD Group website users account.

3.12.2 JD Group uses the information that JD Group website users provide (or that we collect) to operate, validate, verify, maintain, enhance and provide all the features of the services, and as may be necessary to comply legally when conducting online payment transactions and related service provided.

3.12.3 We use your Debit or Credit Card Details to provide the Services (including the verification thereof when you transact with JD Group) and, should fees be charged for some services and you have selected a credit or debit card as your means of payment, we shall debit that credit or debit card for such fees owed by you. We use your Personal Information/Details to greet you when you access your JD Group user account, to manage and administer your use of the services and fulfil our contractual obligations, including the verification of your identity when you transact with JD Group.

3.12.4 We use your Contact Details to verify your identity and to inform you of facts relating to your use of the service(s), for example notifications regarding major updates or content you have posted or downloaded from the Website/Platform, customer service notifications, and to address any copyright infringement or defamation issues; as well as to inform you, subject to obtaining your prior agreement, of competitions, promotions and special offers from us and/or any of our partners and/or affiliates.

3.12.5 Any user, who commits any of the offences detailed in ECT Act 25 of 2002 or Cybercrime Act 19 of 2020 shall, notwithstanding criminal prosecution, be liable for all resulting losses or damages suffered and/or incurred by JD Group and its partners/affiliates.

3.13 You may not:

3.13.1 Provide any incorrect information to the website or JD Group;

3.13.2 Change, copy, decompile or reverse-engineer the website or use the website to make derivative copies.

3.13.3 Lease, sell, assign or in any other way to distribute the website or any information gotten from the website without the prior written consent of JD Group.

3.13.4 Use malicious search technology, including but not limited to spiders and crawlers.

3.13.5 Frame any pages of the website;

3.13.6 Deep-link to any pages of the website in a way to suggest that you are the licensed owner of any intellectual property on the website.

3.13.7 Use the interactive sections of the website, for instance, forums, clubs, surveys and e-mails, to post any material which in JD Group’s discretion is false, defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, sexually-oriented, threatening, invasive of a person’s privacy, or otherwise violates any laws. JD Group does not have editorial control over the submission of any content to interactive sections of the website. You submit all information, including the publication of pictures and/or articles, at your sole risk and responsibility. JD Group is not liable for damages or other adverse consequences caused by the use of the submissions.

4.1 Each order submitted, which includes the receipt of the full purchase price, makes up an offer to purchase products. Orders are subject to JD Group acceptance and may be refused at JD Group discretion, for example, where:

4.1.1 We cannot process orders because of an error in the information you have provided.

4.1.2 There is an error on the website relating to the products you have ordered, for example, an error relating to the price or description of the product as displayed on the website; or

4.1.3 The products you ordered are no longer available on the website, refer to clause 5.2 below.

4.1.4 After JD Group receives your order, you will receive an email confirming receipt of your order. If you do not receive an email, contact JD Group before you try to place another order for the same product.

4.1.5 You will receive an email when your order is being dispatched confirming that your order was accepted and is on its way to you.

4.1.6 If you have questions regarding JD Group’s Order Acceptance Policy (Agreement of Sale and/or Credit Agreement), or if you consider that your order was rejected in error, please contact JD Group on 0800 111 081.

4.1.7 You confirm that you have read and understood the ‘Terms & Conditions’ which forms a legally binding agreement between you and JD Group.

5.1 An order will only be deemed as completed once you have completed the purchase cycle, an approved payment/order confirmation is received, and delivery has taken place. We will confirm your purchase order with you via your specified email. By placing a product in your shopping cart or adding a product to a wish list does not make up a sale, nor are such products, their price, nor their quantities reserved. If you complete the purchase cycle for such products later, JD Group cannot be held liable to honour any price changes or if such products are not available.

Goods may only be returned in terms of the Consumer Protection Act, Act 68 of 2008 (hereinafter referred to as “the CPA”). If you are entitled in law to return goods, then and in line with the CPA a handling fee of up to 15% of the value of the goods may be charged when the product/packaging is not returned in its original purchase condition.

5.2 JD Group shall use reasonable attempts to make the advertised stock available at the displayed price for the period specified. JD Group strives to minimise out-of-stock situations and take all reasonable measures to make your purchased product available at the advertised price or inform you of an equivalent product option. If the goods or services are no longer available after you have already placed an order and/or paid for such goods/or services, you will be notified as soon as possible of this fact and will be refunded by not later than 30 days after such notification..

5.3 Should goods be sold out; we reserve the right to cancel your order and to refund your payment with the inclusion of any applicable delivery fees

5.4 Although JD Group endeavours to accurately describe and/or depict each good on the website, some descriptions or photographs may be of a generic nature and not specific to the particular goods you wish to buy. JD Group has made every effort to display as accurately as possible the colours of the products that appear on our website. However, as the actual colours you see will depend on the device that you use to access our website, we cannot warrant that your device’s display of any colour will be accurate.

5.5 Clearance campaigns might be implemented from time to time where stock is available in limited quantities. However, JD Group is not obliged to source stock or offer a similar or upgraded item for this sale as stock will no longer be available in future

5.6 Abandoned customer stock policy to be followed when customers fail to collect items handed in for repair within stipulated periods.

6.1 If you are not wholly satisfied with your new purchase you may return, replace and refund your products subject to producing the original receipt and ensuring the product is in its original packaging and condition.

6.2 You can change or cancel your order before we have processed your order. To change your processed order, please contact JD Group on 0800 111 081. If we have already dispatched your order, you can request a refund of the product, please see our Return Policy:

6.2.1 Unwanted products may be returned within 14 days from the date of receipt. Please complete the return request here sleepmasters@jdg.co.za.

6.2.2 JD Group will refund the price paid for the goods, provided that the goods are within their original packaging and have not been used or damaged.

6.2.3 If the goods are no longer in the original packaging, a reasonable amount may be charged for the use of the goods or for restoration costs to render the goods fit for re-stocking.

6.2.4 All accessories and parts must be included.

6.2.5 We regret that some products cannot be returned.

6.3 The following products cannot be returned or refunded:

6.3.1 A product which has been personalized for you or made to your specifications.

6.3.2 Any flat-pack furniture assembled after delivery, cannot be returned and will be inspected first in the event of a potential manufacturing fault.

6.3.3 Due to copyright law, licensed software and games cannot be returned or refunded unless faulty.

6.3.4 Pre-paid cards, Digital or Physical Vouchers may not be returned for a refund or credit.

6.3.5 Delivery and or installation costs.

6.3.6 Any damaged or abused items.

6.3.7 Any other specified non-returnable/ non-refundable items not listed.

6.3.8 TV Licensing as this needs to be processed with the SABC directly.

6.4 Faulty & Defective Products:

A defect is a material imperfection in the manufacture of a product or any characteristic of a product, which makes the product less acceptable than one would reasonably be entitled to expect in the circumstances.

6.4.1 In the unfortunate event that your purchased product becomes faulty or defective within the first six months of delivery, you can ask for the product to be collected for inspection and the following may apply:

6.4.2 The product may be repaired.

6.4.3 The product may be replaced if the supplier confirms a replacement.

6.4.4 You may be refunded for the purchase amount.

6.4.5 In the event that the product is found to not be faulty, you could be liable for handling and delivery charges; including the collection and the re-delivery of the product to you. You will be liable if the goods are damaged or faulty as a result of misuse, abuse or negligence. Should the product not be in its original packaging, a handling fee of up to 15% of the product’s value may be charged as per the CPA.

6.4.6 The warranty does not cover any defects caused by foreign objects/connection errors that are not part of the appliance, including but not limited to:

(a) Use other than domestic use by the customer or his/her immediate resident family at the declared address of delivery.

(b) Failure by the customer or any other person to comply with the manufacturers’ instructions for installation, maintenance or use.

(c) The use of accessories which have not been approved by the manufacturer.

(d) The application and/or use of any incorrect or abnormal electrical or water supply to the appliance.

(e) Any defect in wiring, electrical connections or plumbing which does not form part of the appliance at the time of the original purchase.

(f) The presence in the appliance of objects which the appliance is not intended to cope with, such as hairpins, coins and buttons in washing machines, hot food in fridges and chewing gum and wax crayons in tumble dryers.

(g) Neglect, misuse, or wilful abuse of the appliance.

(h) Anything related to the appearance of the appliance which does not in JD Group sole opinion prevent the appliance from working adequately: this includes but is not limited to cosmetic and manufacturers’ defects such as: discolouring of any part of the appliance, paint peeling off, cracked or broken handles, plates, hinges, wheels, panels, shelves or any portion of the product which is glass.

(i) Rust or the effects of rust.

(j) Repairs or attempted repairs of the appliance by any person other than JD Group or its authorized repairers.

(k) Any modification of the appliance by any person other than JD Group or its authorized repairers.

(l) Parts or items of the appliance which are expected to wear out before the extended warranty period expires, including but not limited to, batteries, filters, disposable bags, rubber or plastic hose pipes, drive or fan belts, fuses and/or light bulbs cartridges, toners or ribbons.

(m) Fire, food, war, civil disturbance, industrial action, acts of God or any other causes beyond the reasonable control of JD Group.

(n) Any defect arising out of the design of the appliance.

(o) Any defect caused by lightning strike or power surges.

(p) Blown or damaged speakers arising from misuse.

(q) Any damage caused due to the use of generic or re-filled cartridges.

(r) Any loss or destruction of, or any damage to any property whatsoever, or any loss expense whatsoever arising there from, or any consequential loss or any liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from ionizing, radiation, or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel. Combustion shall include any self-sustain process of nuclear fission or any loss, destruction, damage or disability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material.

6.4.7 In the case of cameras, the warranty does not apply to any accessories, batteries, charges, attachable lenses, or additions that do not constitute the camera's main body. In addition, remotes are not covered for TV's; Hi-Fi's, VCR's or DVDs.

6.4.8 The following will NOT be regarded as defects and cannot be returned:

6.4.9 Faults resulting from normal wear and tear.

6.4.10 Damage arising from negligence, user abuse or incorrect usage of the product.

6.4.11 Damage arising from electrical surges or sea air corrosion.

6.4.12 Damage arising from a failure to adequately care for the product.

6.4.13 Damage arising from a failure to adequately care for the product.

6.4.14 Where the specifications of a product, although accurately described on the website and generally fit for its intended purpose, do not suit you.

6.5 Kindly refer to the manufacturer’s documentation, packaging and website to review the specific warranty terms, conditions and exclusions.

6.6 In addition, JD Group will not be liable for the costs of:

6.6.1 Maintenance, including cleaning, clearing of blockages and overhaul, insect infestation or paper jams.

6.6.2 Work covered by the manufacturers’ recall of the appliance;

6.6.3 Call out charges where the breakdown is not covered by the extended warranty.

6.6.4 Material or labour which is recoverable from the manufacturer or any person who may be held responsible in terms of any other guarantee or warranty.

6.6.5 JD Group will not in any circumstances be liable for any consequential loss or damages suffered by the customer whether directly or indirectly related defect in the appliance to the extent permissible by law.

6.6.6 Repairs may not be effected without prior authorisation from JD Group.

6.6.7 In the case of an authorised repairer being called out for a fault covered by the warranty, the supplier shall pay the repairer for all labour and materials supplied in terms of the warranty, while the customer shall be liable to pay the repairer all other charges, including but not limited to the call out charge should no defect be found in the appliance.

6.6.8 The repair will be carried out in terms of the warranty within a radius of sixty kilometres from the appointed service agent’s premises. Should the repairer be required to travel beyond this radius, the customer will be charged at the prevailing AA rate per kilometre.

6.6.9 JD Group authorised repairers reserve the right not to do house calls in areas where their personal safety may be at risk.

6.6.10 Warranty does not cover computer software.

6.7 Products that qualify for Returns:

If the wrong item was delivered or the item is missing parts or accessories or the item is damaged according to the specifications on the website:

(s) Please notify us by completing the return request here {link} and we will collect the product from you at no charge.

(t) Once we have inspected the product and validated your return:

(i) We could credit your account with the purchase price of the product;

(ii) Refund the purchase price;

(iii) Deliver a replacement product.

(u) The below products will be assessed at the delivered premises:

(i) Beds and Furniture.

(ii) Large appliances (Fridges / stoves / washing machines and tumble dryers.

(iii) TV’s larger than 40cm

6.8.1 If the item is found to be defective after the first 6 months from date of purchase but within the manufacturer’s warranty:

(a) If goods are defective after the first 6 months from the date of purchase as indicated on your proof of purchase but still within the manufacturer’s warranty as indicated on your warranty documentation, you may return the goods for a repair by completing the return request here

(b) We will return the unit on your behalf to the manufacturer, supplier or service provider to provide a warranty repair, if valid, and redeliver the repaired or replacement item to you at no additional charge.

(c) The below products will be assessed at the delivered premises:

(i) Beds and Furniture.

(ii) Large appliances (Fridges / stoves / washing machines and tumble dryers).

(iii) TV’s larger than 40cm”.

Refer to point 6.8 above. Refunds can take up to 3 - 7 Working Days to reflect in your bank account. Should you not receive your refund within the allocated time period, kindly contact us.

JD Group caters for Gift Vouchers & Coupon purchases, a Coupon could include a fixed discount amount such as R100 off or a percentage discount such as 10% off.

8.1 Returns that involve a Fixed Coupon purchase

8.1.1 Where a Fixed Coupon was used to pay for an order (or part thereof), and the order gets cancelled or returned as per the Returns Policy, the value of the Fixed Coupon will be deducted off the purchase price of the cancelled or returned product(s) (as applicable), and a coupon code will be issued for the balance, or refund you if that is your preference. We will also provide you with a replacement Fixed Coupon of the same value as the original Fixed Coupon used. We may impose restrictions on the use of the replacement Fixed Coupon. For any subsequent cancellations or returns arising out of the same order.

8.2 Returns that involve a Percentage Coupon purchase.

8.2.1 Where a percentage Coupon was used to pay for an order (or part thereof), and the order gets cancelled or returned as per the Returns Policy the value of the Percentage Coupon will be deducted off the purchase price of the cancelled or returned product(s) (as applicable), and a Fixed coupon code will be issued for the balance, if any (or refund you if that is your preference). We will also provide you with a replacement Fixed Coupon of the same value as the original Percentage Coupon used. We may impose restrictions on the use of the replacement Fixed Coupon. For any subsequent cancellations or returns arising out of the same order.

8.3 Returns that involve a Gift voucher purchase.

8.4 Where a Gift voucher was used to pay for an order (or part thereof), and the order gets cancelled or returned as per the Returns Policy, we cannot refund you in cash for that portion of the purchase price which you paid using the Gift Voucher, a new Fixed coupon or replacement Gift voucher will have issued Gift Cards

8.5 Electronic Gift Cards

An electronic Gift Card is an email version of the physical Gift Card and the same terms and conditions apply. In addition to the following;

8.5.1 Should you not utilise the full value of your Electronic Gift Card on your first purchase, the balance will be transferred to a physical gift card.

8.5.2 The Electronic Gift Card cannot be topped up nor be emailed (transferred) to a third party.

8.5.3 Should the Electronic Gift Card be deleted or the Customer’s cell phone is lost/stolen, JD Group will be not being liable for any reimbursement of any nature. An SMS can be resent, but only to the original number.

8.5.4 The usage of the Electronic Gift Card is solely at the risk and discretion of the Customer.

8.5.5 JD Group will not be held responsible for any cellular network service operator's delay in forwarding an Electronic Gift Card to you.

8.5.6 The Electronic Gift Card will only be accepted if a valid Electronic gift card number in SMS format is presented to the Cashier. The Gift Card may not be;

(a) Exchanged for cash; or

(b) Used for the payment of an account;

(c) No cash change will be given on purchases made with the Gift Card.

8.5.7 Physical Gift Cards

(a) The Gift Card carries no value unless money is loaded onto the card electronically. The Gift Card may be used to purchase from JD Group. Purchases will be deducted from the balance on the Gift Card until there is a zero balance, however the value of the Gift Card balance may be increased at any stage. The Gift Card balance may be checked online or through the JD Group’s call centre on 0800 111 081. The balance as reflected on the JD Group system will be considered binding. All transactions will be honoured to the maximum value of the Gift Card.

(b) The JD Group Gift Card is valid for a period of 3 (three) years from date of activation or upon full redemption thereof, whichever occurs earlier. However, where the balance of the Gift Card has been increased then it will remain valid for a period of (3) three years from the date of top-up or upon full redemption thereof, whichever occurs earlier – irrespective of the date of activation.

(c) JD Group, its owners and its duly appointed agents will not be held liable for damage, loss, theft or copying of the original Gift Card, and it will not be held liable for any form of reimbursement or compensation of any nature whatsoever.

8.5.8 You are responsible for the safekeeping of your Gift Card. Keep your Gift Card in a safe place because, if stolen, it may still be used to make purchases by the third parties. Lost or Stolen Gift Cards will not be replaced or refunded. However, should you be in possession of the gift card number, you can call the JD Group call centre on 0800 111 081 to report it lost or stolen, we will then block the remaining amount on the Gift Card and transfer it to another Gift Card, available when you next visit the JD Group website.

9.1 These Terms of the promotional offers together with the JD Group Standard Terms and Conditions www.jdgroup.co.za set out the terms and conditions that will apply when you place an order through the JD Group operated website only, you purchase goods advertised as part of a promotion. Please note that the terms and conditions that apply to promotional offers differ in certain parts from the terms and conditions that apply to other products. We will explain later such differences in these Terms. If you cannot understand or have questions about these Terms, please contact JD Group on 0800 111 081. Please note that these Terms are subject to change, so review and save or print a copy of the current terms and conditions before each order that you submit.

9.2 The Promotion is the sale of certain, for the advertised specific period, whereby the advertised goods will be sold at a discounted price for that specific period.

9.3 The Promotion starts at JD Group on the advertised and advertised day at 08:00 am and ends on the advertised and mentioned day at 00:00 pm. We will accept no purchases after midnight on the advertised and mentioned day.

9.4 You will need to be logged into the JD Group website to use the promotion.

9.5 Because of the stock quantity, each customer may be limited to purchasing one product using a promotion.

9.6 Prices will return to their standard price on the expiry of this promotional offer or should the limited stock be sold-out.

9.7 JD Group will not, however, change the price, availability or description of any product after we have accepted an order and cannot guarantee the performance of any third party and shall not be held liable for any act or default by a third party.

9.8 JD Group reserves the right to restrict and/or decline sales to traders and dealers. The online purchase price has been reduced only for the purpose of this online promotional offer.

9.9 Bundle deals:

9.9.1 JD Group may offer bundle deals for sale during promotional periods. Each Bundle Deal will consist of 2 (two) or more products that are packed or advertised together at one specified price.

9.9.2 Any saving or discount resulting from purchasing a Bundle Deal instead of its component products separately may be applied to any of the component products individually in our sole discretion. The actual purchase price (after applying any applicable saving or discount) of each component product will be communicated to you upon checkout and reflected in your order history.

9.9.3 A Bundle Deal should be distinguished from a pre-packed bundle compiled by our supplier and supplied to us as a single unit (“Hard Bundles”). Any saving or discount in respect of a Hard Bundle will be applied only to the total bundle price and not to the prices of the individual component products.

(a) Participants of this promotion agree that JD Group will, subject to prevailing law, have no liability for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the promotion, or participation in this promotion.

(b) If they deem any provision or part of these rules void or otherwise unenforceable in law, then that provision or part shall be deemed excluded and the rest of these Rules shall remain in force.

(c) Any violation of these rules will cause the immediate disqualification of the transgressing participant from the promotion.

All pricing displayed on the website is inclusive of the current South African VAT, in South African Rands, and are subject to price changes and may change with no warning or notification. Please note that all prices displayed exclude the cost of delivery. JD Group takes the utmost care to ensure that the displayed prices are correct. Where a price is advertised in error and we have taken reasonable steps to rectify the error, such promotional pricing will not be honoured. If a mistake is made or we display the incorrect price, we will correct this as soon as we are made aware of the incorrectly displayed price. Special Order Goods that are specifically procured, created or altered to satisfy your requirements will incur additional costs and will be subject to a reasonable cancellation charge in the event of the cancellation of the order in accordance with the Consumer Protection Act.

1. Pepkor Lifestyle, a division of Pepkor Trading (Pty) Ltd makes use of Payment Solutions (Pty) Ltd (“PayU”) as an integrated third party solution during the checkout stage for all sales orders.

• 1.1. When PayU processes a transaction for you via any of their secure payment web services, the transaction is encrypted.
• 1.2. The PayU security policy can be found at https://www.payu.co.za/faqs/security.
• 1.3. Please also read the PayU Terms and Conditions, at https://www.payu.co.za/legal.
• 1.4. PayU does not store any online banking login details. The Delivery timeframe is relative and depends on the time and date of the successful EFT Pro confirmation (please refer to our delivery timeframes T&Cs for info). As we do not store your banking details when conducting an EFT Pro, should you request a refund, we will require you to furnish your Bank account details again.

2. Pepkor Lifestyle, a division of Pepkor Trading (Pty) Ltd makes use of Payment Solutions (Pty) Ltd (“PayU”) as an integrated third party solution during the checkout stage for all sales orders.

• 2.1. This is to ensure that you, the customer, authenticates and approve the transaction, you consent to Secure Citizen processing your personal information and communicating with you for this purpose. To authenticate, you will be required to complete facial biometric matching via a “selfie” which is taken by you, sent to Secure Citizen and verified against your image that is housed at Home Affairs.
• 2.2. All transactions processed through Secure Citizen are encrypted. The Secure Citizen Terms and Conditions can be found at https://securecitizen.co.za/terms-conditions/. Please also read the Secure Citizen security policy, at //securecitizen.co.za/privacy-policy/.

3. By submitting a sales order or a credit transaction through any of the Pepkor Lifestye website services, you warrant that you are acting within the bounds of the law and that you have the legal capacity to transact or have the mandate to transact. This includes that you have obtained the express permission of the person and/ or business whose information you are submitting/using through any of our services.

4. You, therefore, indemnify Pepkor Lifestyle, its Members and employees from any claim and/or liability from any third party claim arising out of your instructions and/or use of the service(s). In addition, you warrant that you are not in breach of the CPA or NCA, nor any other applicable legislation.

5. Pepkor Lifestyle accepts the following payments on its website:

• 5.1. Credit Card payments: Only South African issued (Visa and Master) credit cards are accepted for online payments. On completing the purchase cycle we send the sales details to the bank if payment is unsuccessful or authorisation is not issued by the bank we cannot complete your purchase cycle
• 5.2. Bank Deposits and Electronic Funds Transfer:
  • a) Should you select to pay via a bank deposit or Electronic Fund Transfer, on completion of your order instruction an email will be sent to you regarding the method in which monies must be deposited in Pepkor Lifestyle’s account subject to the following Terms and conditions:
  • b) EFT Pro: the full amount must be paid as per your order request within 48 hours of placing your order. We will cancel your order should you fail to deposit/transfer the funds within 48 hours of placing your order. The EFT must be in SA Rands (ZAR) only (no other currency will be accepted). Pepkor Lifestyle] cannot be held liable for any delays, errors, fees, bank-affiliated fees / admin charges and currency fluctuations.
  • c) PayU EFT Pro: the communication process between you and your bank shall occur as it would when you are conducting an EFT with the Bank. It will redirect you to the online banking login screen and it will prompt you to log in with your online banking credentials. You will receive a one-time pin (OTP) which you would need to enter to confirm your payment. PayU EFT Pro only facilitates the transaction between you and your bank. The terms and conditions existing between you and the Bank still apply.
  • d) It requires registration with 3D Secure when shopping online with us as a 3D secure merchant. No username and password to remember anymore. You will now receive a one-time pin (OTP) that will only be valid for one transaction when shopping at a 3D Secure merchant, protecting your Credit Card against fraudulent online use. We all love the convenience of shopping online but are concerned about the risks that may be involved. Therefore, we at Pepkor Lifestyle deploy technology, such as 3D Secure, which will protect you while you shop.
  • e) For a direct deposit, the deposit must be in cash and SA Rand only, (no other currency will be accepted).
  • f) No cheque deposits are accepted.
  • g) Masterpass: Please refer to Masterpass terms and conditions. By using Masterpass as an online payment method, you agree to the following terms and conditions: Any queries relating to your Masterpass account, statement or else will be directed to Masterpass. Pepkor Lifestyle is in no way obliged to assist, direct or manage any Masterpass concerns, issues or general information requests and no such requests will be entertained. Masterpass returns and exchanges will be dealt with in the same way as any other product return. Please refer to our Returns Terms and Conditions. You will not be refunded in cash for any Masterpass transaction. Pepkor Lifystyle cannot be held liable for the time it takes for your application to be concluded and is in no way obligated to honor any promotional and or limited stock products should these be sold out after your application is approved.
• 5.3. VISA Click to Pay Terms and Conditions:
  • a) Please carefully read the Visa Click to Pay terms of service (“Terms”) on www.visa.co.za before using this as a payment method. By using Visa Click to Pay during checkout, you acknowledge that you understand and agree to all applicable Visa terms and that you accept the use of this service in accordance with those terms. For a full set of Visa Click to Pay terms and conditions, please visit www.visa.co.za.
  • b) By using Visa Click to Pay as an online payment method, you agree to the following terms and conditions:
    1. Any queries relating to your Visa Click to Pay usage, such as card details, payment processing, transaction authorisation, or dispute resolution, must be directed to your card issuer or bank, and not to Pepkor Lifestyle;
    2. Pepkor Lifestyle is in no way obliged to assist, direct or manage any Visa Click to Pay concerns, technical issues, card visibility, device recognition problems or general information requests, and no such requests will be entertained;
    3. Visa Click to Pay returns and exchanges will be dealt with in the same way as any other product return. Please refer to our Returns Terms and Conditions;
    4. Pepkor Lifestyle cannot be held liable for the time it takes for your One-Time Pin (OTP) required for 3D Secure verification, and is in no way obligated to honour any promotional and/or limited stock products should these be sold out after your payment is authorised. For limited stock promotions, we recommend that if you are not an existing Visa Click to Pay user, you please select a different payment method.
• 5.4. Mobicred
  • a) Mobicred facilitates the credit transaction. The terms and conditions existing between you and mobicred still apply. The Delivery timeframe is relative and will depend on the time and date of the successful Mobicred confirmation (please refer to our delivery timeframes T&Cs for info.
• 5.5. Peach Payments
  • a) Peach Payments facilitates the transaction. The terms and conditions existing between you and Peach Payments still apply. The Delivery timeframe is relative and will depend on the time and date of the successful Peach Payments confirmation (please refer to our delivery timeframes T&Cs for info).
• 5.6. Ozow
  • a) Ozow facilitates the transaction. The terms and conditions existing between you and Peach Payments still apply. The Delivery timeframe is relative and will depend on the time and date of the successful Peach Payments confirmation (please refer to our delivery timeframes T&Cs for info).
• 5.7. Pepkor Lifestyle facilitates the credit transaction. The terms and conditions existing between you and Pepkor Lifestyle still apply. The Delivery timeframe is relative and will depend on the time and date of the successful Pepkor Lifestyle confirmation, refer to our delivery timeframes Ts&Cs for more information.
• 5.8. JD Group reserves the right, to prevent suspected fraud, to refuse to accept or process the payment of any order, and/or to cancel any sale concluded between you and JD Group, in whole or in part, on notice to you. JD Group shall only be liable to refund monies already paid by you and accepts no other liability which may arise as a result of such refusal to process any order and/or sale. You are privy to our Terms and Conditions that we conduct all transactions in South African Rands (ZAR).
• 5.9. When processing a transaction for you via any of our secure payment web services, the transaction is encrypted as set out above.

12.1 Unless otherwise specifically stated or specifically agreed to, the delivery charges will be for your account irrespective of whether bought for cash or on credit.

12.2 JD Group delivers within the borders of South Africa only.

12.3 The Delivery timeframe is relative and will depend on the time and date of the successful JD confirmation of transaction.

12.4 The Delivery option only commences once the order has been verified and settled in full.

12.5 An order will only be settled once payment has been received and "Verified".

12.6 Deliveries are door to door and must be a physical address within the borders of South Africa and not a Post Box. We do not deliver to any postal addresses, such as delivery to a post box or any post office. Please ensure all delivery details, including the postal code, are accurate, as you will be liable for all additional handling and shipping charges resulting from such errors.

12.7 ID may be requested upon delivery.

12.8 A delay of up to 24 hours may be experienced on shipments to or from any Outlying Delivery Areas.

12.9 We will notify you of any delivery delays should we need to source a product. Refer to our refund process on clauses 6 and 7 should you opt for a full refund.

12.10 Force Majeure inclusive of government regulations, unrest, protest, load-shedding and system errors might cause a delay in delivery timeframe.

12.11 Failed Delivery:

JD Home to advise how we verify if it is delivered to the right consumer.

12.12 Force Majeure, inclusive of government regulations, unrest, protest, load-sheddingand system errors, might cause a delay in the delivery timeframe.

12.12.1 We will notify you of a failed delivery for example where no one was at the specified delivery address to receive and sign for the goods at the time of delivery. We will attempt to reschedule the delivery with you within 24 – 48 hours and additional costs will be incurred.

12.13 Goods shipped in error /Incorrect goods delivered:

12.13.1 In the unfortunate event that you receive a delivery whereby the goods delivered to you do not match your products or its quantity as per your waybill/purchase order, you agree to notify us immediately upon receipt of such delivery to have the incorrect goods collected and the correct goods delivered to you. . This can be done through the “My account” section on the website.

12.14 Damaged goods delivered:

12.14.1 In the regrettable event that you receive a damaged, faulty or incorrect product, please notify us within 24 hours of receipt of delivery on 0860 459 459 or (insert respective email address). We will do our best to have the damaged product collected and a new product delivered to you within a maximum of 48 hours (weekdays only).

12.14.2 We request that you inspect your goods prior to signing the delivery document and ensure all goods are received in good working order and free of any damage.

12.14.3 If you see any inconsistencies, please ensure the delivery document is endorsed accordingly and reject your delivery.

12.15 Delivery Prices:

12.15.1 Delivery prices may vary and are determined by:

(a) Location within major centres or outlying Delivery Areas.

(b) Type of delivery. (Normal order, special order, customer order).

(a) Weight and dimensions of the total purchase order.

12.15.2 In the event of special delivery deals, the price of the product or total purchase order value could determine the delivery rate.

12.15.3 The price of your delivery is calculated automatically and will be displayed before the payment process, in the shopping cart and at checkout.

12.15.4 Delivery periods important to note:

12.15.5 (a) Delivery service will start on payment confirmation received (or only after requested supporting documents like a T.V. License verification and a copy of an I.D.) have been received.

12.15.6 (b) Delivery periods will be effected within the selected delivery type timeframe, after collection from the point of dispatch and between Major Centres from Monday to Friday.

12.15.7 (c) We deliver from Monday to Friday from 08:00 to 17:00 to both business and residential addresses. No deliveries take place on a Saturday or Sunday or any other Public Holiday. We may request identification upon delivery. Major centres include any destination within a 50km radius of the following cities: Pretoria, Johannesburg, Bloemfontein, Cape Town, Port Elizabeth, East London, Durban and Pietermaritzburg. Delivery to the major centres is usually within 5 working days. Other areas may experience delays because of airline constraints.

12.15.8 (d) We will make every reasonable effort to deliver the goods to you as soon as possible after receiving the full purchase price of the goods.

12.15.9 (e) We cannot be responsible for failure to perform or to deliver or delays in performance or delivery due to circumstances beyond our control (“force majeure”.) We will not be liable to you for any loss arising from any failure or delay in performance or providing the goods resulting from “force majeure” events. We will use reasonable attempts to continue to perform in terms of this Agreement as soon as performance becomes possible.

12.16 (f) We may contact you to agree on alternative dates for delivery but will not require you to accept delivery at an unreasonable time.

12.16.1 (g) You understand and agree that the goods, as set out in the Schedule to Agreement, are identified and described by style, make, model, kind, design or category (“Type”). This does not mean that we set aside specific goods for the duration of the Lay-by agreement but that we deliver that Type to you after receipt of the full purchase price for the goods.

12.16.2 Cater for lay by in clause 12

12.16.3 JD Home to confirm if there’s Layby for online purchases. If for reasons beyond our reasonable control, we cannot deliver that Type to you, we will, at your option:

(a) Supply you with an equivalent quantity of goods that are comparable or superior in description, design or quality; or

(b) Refund to you the amounts deposited with us for the goods, with interest, under the Prescribed Rate of Interest Act 55 of 1975.

(c) It is your responsibility to provide us with the correct delivery address before delivery of the goods.

(d) Any delivery dates provided to you in connection with your order are estimates. Although the aim is to provide you with as accurate estimates as possible, JD Group cannot promise that they are accurate.

13.1 Unless you have got our prior written consent, it will not entitle you to cede, delegate, assign or transfer all or any part of your rights or obligations under this Agreement.

13.2 You allow us and agree that we may cede any part or all of our rights under this Agreement or transfer any part or all of our rights or obligations (whether by delegation or assignment) under this Agreement to any third party. You further agree that it shall not be necessary for us to provide prior notification to you in the event of any such cession or transfer.

13.3 The product that is delivered to you will become your property at the time that you receive it, provided that JD Group has received full payment for the product. As soon as JD Group has delivered the product to you, you will become responsible for it and any loss or damage to it thereafter.

14.4 You agree to keep your information safe and to not disclose it to any unauthorised third party. You further agree that we cannot be held liable for any damages or loss sustained by you because of such information becoming known to third parties, whether through your actions or fraud, malware or phishing.

14.5 We reserve the right to suspend any account that we believe may have been compromised accordingly.

14.6 You must notify us immediately if you believe that we have processed your information without your permission. You can contact us on our call centre number or e-mail address as per the details in clause 15 below.

15.7 In terms of the Electronic Communications and Transactions Act of 2002, as amended, (“ECTA”) these Ts&Cs are binding and legally enforceable against you.

15.8 All transaction/s are governed by the laws of the Republic of South Africa, irrespective of whether you are South African or are accessing our website outside of the Republic of South Africa.

15.9 We do not sell any products via this Quick On-Line Credit App, and ECTA relating to electronic transactions do not apply regarding the Quick On-Line Credit App.

15.10 You may resolve any dispute that may arise between us and yourself as per details in clause 15 below.

15.11 Subject to the legislation and rules, we may, from time to time, update or change these Ts&Cs. We recommend that you read these Ts&Cs every time you access and use our website. Amended Ts&Cs will bear a different version number on the footer of each page and will supersede and replace any previous Ts&Cs.

15.12 No indulgence or extension of time that either you or us may grant to the other will make up a waiver or, limit any existing or future rights of the grantor in terms except if the grantor has signed a written document expressly waiving or limiting such rights.

15.13 We are entitled to cede, assign and delegate all or any of the rights and obligations in terms of these Ts&Cs without notice to you.

15.14 All provisions of these Ts&Cs are, notwithstanding how they have been grouped or linked grammatically, severable from each other. Any provision of these Ts&Cs which is, or becomes unenforceable, whether because of being voided, rendered invalid, illegal, unlawful or for any other reason whatsoever, shall, only if it is so unenforceable, be treated as not having been written and the remaining provisions of these Ts&Cs shall remain in full force and effect.

15.15 This Agreement is governed by the laws of the Republic of South Africa.

15.16 You agree that the JD Group may bring legal proceedings against you relating to this Agreement in any Magistrate’s Court that has jurisdiction, even if the amount of the claim may exceed the jurisdiction of that court. This does not prevent the supplier from bringing legal proceedings in a High Court that has jurisdiction.

The following contact details are hereby disclosed:

Regulator	Contact No	Email(if applicable)
Customer Care	010 211 1120	query@jdg.co.za
Credit Ombudsman	086 1662 837
National Credit Regulator	086 062 7627
Credit Bureau	086 1128 364
CGSO	0860 000 272

16.1 Address for Notices and Legal Processes:

16.1.1 You agree to accept any notice and legal processes under this Agreement at the address recorded in the Schedule. (This address is known in law as your domicilium citandi et executandi or domicile address).

16.1.2 We choose, as our domicile address where you must deliver all notices and legal processes, Marlboro House,6 Eastern Service Road, Eastgate, Sandton 2090.

16.1.3 If you want to change the address where you agree to accept notices and legal processes, then you must send us a notice in writing by registered post. The notice must:

(a) Inform us you are changing your address; and

(b) Set out the new address at which you agree to accept notices.

(c) Any new address must be a physical address in the Republic of South Africa.

(d) If we send a notice to you:

• by prepaid registered post to your address, we will treat it as if you have received it 7 (seven) days after posting; and

• By hand, we will treat it as if you have received it on the date of delivery.

(e) When we treat a notice as if you have received it by a certain date, it means that we do not have to prove that you received it then. If you claim that you did not receive the notice by that date, then you will have to prove it.

17.1 JD Group requires you to produce a valid TV license and ID document when purchasing a TV. In terms of the Broadcasting Act and Television License Regulations, license holders are required to note and/or comply with: Statutory obligations of a television license.

17.2 A television license is valid only at the permanent address reflected on the license.

17.3 A person purchasing a television set must have a valid (paid-up) TV license.

17.4 You may not purchase a television set using someone else’s TV license.

17.5 When taking out a domestic/household television license for the first time, we require a person to provide his/her details: surname, initials, a copy of an ID document, fixed address and contact details.

17.6 When renewing a television license, we require a person to present an existing license, a copy thereof, or a renewal notice.

17.7 A license holder must notify the SABC, in writing, of a change of address within 30 days.

17.8 A television license is not transferable from one license holder to another except between spouses or between unmarried “life partners” in a permanent relationship or upon the death of a husband/wife or partner.

17.9 A single domestic television license is required per household regardless of the number of TV sets, provided that all sets used are at the license holder’s residential premises.

17.10 JD Group requires a separate domestic television license at the full annual tariff for an additional TV at a new residential property (e.g., a holiday home) since it involves a different physical address.

17.11 “Family members of a television license holder”–defined as all persons who are permanent residents with the license holder, and; depend on him/her, and are owed a legal duty of support by the license holder–are covered by a single TV license in his/her name. A person has to meet all three conditions to be covered by a household’s TV license. Such domestic license covers a license holder and his/her immediate, dependent family members–with a married couple, a husband/wife and his/her dependent, minor children. Adult (non-dependent) children or more distant relatives–such as adult children, parents/ grandparents, brothers/sisters, uncles/aunts–or boarders or lodgers sharing a family’s home, are not defined as family members. They are separately liable for television sets in their possession and/or used by them.

18.1 All materials published on the JD Group website are protected by copyright and owned or controlled by JD Group or the party accredited as the producer of the content, software or other material. We shall construe nothing in these terms and conditions of use as conferring by implication or otherwise, any license or right under this copyright, trademark, database right or other intellectual property or proprietary interest of JD Group or any third party. All logos, names and trademarks, which appear on the website are the intellectual property of JD Group or are used by JD Group under license. JD Group will prosecute any violation of intellectual property rights to the fullest extent that the law permits. We prohibit reproduction of part or all of the contents in any form other than strictly for individual use.

18.2 JD Group will deal with your personal information in terms of the privacy policy: https://www.jdgroup.co.za/privacy-policy.You consent to the aforesaid use of such information. By submitting information, you agree that JD Group may publish the information, use it as part of its operations, and incorporate its concepts in JD Group goods or for any other purposes, which JD Group considers necessary, without liability.

19.1 JD Group is to be exempted from any liability due to a customer failing to provide accurate registration information, or a customer failing to view special warnings, etc.

19.2 Subject to applicable law, you agree to indemnify, defend, and hold JD Group harmless against any claim or liability (including attorneys’ fees) arising out of your use of the website.

JD Group may immediately terminate use of and access to the website if you breach the terms. This will be without prejudice to any other remedies and rights that we may have in terms of the law, including but not limited to claims for specific performance and damages. Save for certain exceptions which is applicable but not limited to (Software, Games, Music, and DVDs) and subject to certain charges.

You may view our PAIA manual on:

Pepkor PAIA Manual

Data Subject Access Request Process:

Contact details of the liaison person:

Liaison Person	Contact details	Email address/th>
Ankia van der Pluym	+27 (11) 718 6153	ankiav@jdg.co.za

Please note that by submitting a review on our website you will be deemed to have accepted these terms and conditions.

GENERAL.

You agree that you will not submit any content:

• That is false, inaccurate, misleading, defamatory, libelous, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, abusive, fraudulent, or otherwise objectionable;
• That infringes any third party’s copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy;
• For which you were compensated or granted any consideration by any third party;:
• That violates any local, national, or international law;:
• references other companies or websites;
• That contains any computer viruses, worms, or other potentially damaging computer programs or files;
• That includes unsolicited promotions, mass mailings or spamming, political campaigning, advertising, or solicitations;
• That includes the personal information of any third party

All content is moderated to ensure it is appropriate for publication on our website. This means that after you submit your review it will not immediately appear on our website. We reserve the right to accept or reject any product review submitted to us and we may edit the length, spelling, and/or grammar issues of any review, but will not change the original meaning. Although we will do our best to moderate all reviews posted, we assume no liability for any reviews posted, stored, or uploaded by you or any third party. We will not be held liable for any loss incurred by you as a result of a review published on our website.

GUIDELINES

• Please take note of the following guidelines when submitting a review:
• Reviews must be about the product. We reserve the right to not publish your review if it contains personal information and/or special personal information as defined in the Protection of Personal Information Act 4 OF 2013 (hereafter the “POPI Act”), details about customer service, or links to other companies.
• Reviews must be submitted in English.

CUSTOMER SERVICE ISSUES

If your review refers to a potential manufacturing fault that could be specific to the item you received upon purchase, and not the product in general, our Customer Support team will be in touch to resolve it with you directly as soon as possible. We err on the side of publishing reviews detailing one-off product faults, except if we believe they might confuse future customers, in which case we will reach out to you to communicate this. We ask you to log in to your Sleepmasters account to submit your review. This is to help us verify your review and because we might need to contact you to discuss your experience with the product. If you have a problem with a review you have submitted, please contact us by emailing sleepmasters@jdg.co.za or by calling 0800 222 888.

OWNERSHIP OF CONTENT

By submitting a product review on the Sleepmasters website, you grant Sleepmasters, a brand of JD Group which is a subsidiary of Pepkor Trading Pty (Ltd) the right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout our marketing channels in any media.

1.This is a promotional offer (“Promotion”) as defined in the Consumer Protection Act no 68 of 2008 (CPA), as amended from time to time. This Offer is subject to the National Credit Act no 34 of 2005 and Regulation and to the participant’s acceptance of the Terms and Conditions (Ts & Cs) set out herein.

The participant acknowledges that the participant has read and understood these Ts & Cs. These Ts & Cs will govern the Offer from any Bradlows, Russells, Sleepmasters, Rochester, Incredible Connection and Hi Fi Corp or any Company to whom the Company has ceded the rights and obligations.

2. Promotion:

This promotion is sponsored by the Company, Connect Financial Services (Pty) Ltd, a registered Credit Provider (NCRCP11158).

3.Promotion Period:

3.1. The Promotion will run from 1st of July 2021 7:00 to 30th Sep 2021 at 23:59. (“the Promotion Period”).

3.2. The Company reserves the right, in its sole discretion and to the extent permitted by law, to amend these Ts & Cs, at any time.

3.3. The Promotion is not transferable nor convertible into cash nor substituted in any manner except as permitted by law.

4. How to qualify:

The participant must have:

4.1. A valid account, in participant’s capacity.

4.2. Instore tent cards and Web notice from the Company inviting the participant to participate in the promotion.

4.3. Inviting customers to participate in the promotion , all customer who applied and has an approved credit application during the promotion period, will qualify for the lucky draw conditional to the first instalment paid by close of business every month to qualify. In addition, Participants would get an additional entry into the draw for every R10,000-00 value of their credit application

4.4. The winner consent to his/her name made public at the discretion of the Company.

4.5. These Ts and Cs do not negate the participants’ obligations to continue making the required payments. Note that these Ts & Cs do not replace the Ts & Cs of the Credit Agreement.

4.6. Each qualified participant will be entered into the draw, irrespective of the number of credit agreements applied for.

5. The Offer:

5.1. This Promotion is conducted in the ordinary course of business and is open to all existing customers who meet the qualifying criteria.

5.2. The draw date shall be the 18th October 2021 and an internal auditor will observe the draw.

5.3. The winner will be notified by SMS or a telephone call by the 20th October 2021.

5.4. The prize will be forfeited at the discretion of the promoter if the prize remains unclaimed after the stipulated dates.

5.5. The Company will not be liable for the technical failures relating to this Promotion that may result in an entry not being successfully submitted.

5.6. The prize may only be redeemed by an account holder who has a valid credit agreement with the Company that is up to date.

5.7. Promotion is not redeemable in conjunction with any other promotions by the Company.

5.8. This Offer is open to all customers that received an SMS, in-store promotion or web notice, above the age of 18, who are in possession of a valid identity document. Employees, agents or consultants or any other person who directly or indirectly controls or is controlled by the Company in respect of this Offer or the spouse(s), life partners or immediate family members cannot be a participant in this Promotion.

5.9. If the Company has not strictly enforced these Ts & Cs, the participant may not assume Ts & Cs have been waived or altered by the Company. These Ts & Cs will still apply, and the Company has right to enforce any of these Ts & Cs. Errors and omission may be accepted at the Promoter’s discretion.

6. The Prize

The winner will stand a chance to win:

6.1. First Prize Contribution towards the account of the customer to the value of R10 000. If the nominated account balance is less than R10 000, the difference will be issued to the customer as a Gift voucher of the respective brand and valid for 6 months from the date of issue, refer to the brand website for gift voucher Terms and Conditions.

6.2. Second Prize In-house brand TV to the value of R5000.

6.3. Third Prize In-house brand Microwave to the value of R2000.

7. General

7.1 By entering into the Promotion, a Participant consent to the Promoter sending promotion material during and after this promotion, in accordance with the Protection of Personal Information Act (“POPIA”).

7.2 Participants of this Promotion are voluntarily providing their personal information as envisaged by POPIA to the Promoter, its associated agencies and the third party service providers running the promotion in conjunction with the Promoter.

7.3 By entering this Promotion, Participants authorize the Promoter to collect, store and use (not share unless legally required to do so) personal information as envisaged by POPIA of Participants for communication or statistical purposes. Participants are entitled to decline any marketing communication and inform the Promoter in writing should a Participant wish to be removed from all communication.

7.4 The Winner gives consent to participate in marketing activities, including having his/her photograph taken and published on the Promoter’s website or other media.

TERMS AND CONDITIONS: CREDIT FACILITY AGREEMENT
1. DEFINITIONS AND INTERPRETATION

1.1 In this Agreement, unless the context indicates otherwise, a reference to any gender shall include the remaining genders, the singular shall include the plural and the following words and expressions shall have the meanings respectively assigned to them in this clause:

 1.1.1 "Agreement" means these terms and conditions, including the Quotation and all notices that we send to you;

 1.1.2 "Business Day" means any day which is not a Saturday, Sunday or a public holiday;

 1.1.3 "Due Date" means the date on which an instalment or payment is due, as set in the Quotation or Debit Order Authorisation, except where such day falls on a Sunday or public holiday, in which event, the Due Date shall be the first Business Day immediately BEFORE that date;

 1.1.4 "Goods" means the asset(s) that you bought from the Supplier;

 1.1.5 "NCA" means the National Credit Act 34 of 2005;

 1.1.6 “ECTA” means the Electronic Communication & Transaction Act 25 of 2002;

 1.1.7 “Advanced Electronic Signature” means an electronic signature which results from a process which has been accredited by the Authority as provided for in section

 1.1.8 "Personal Information" means personal information as defined in POPI Act;

 1.1.9 "Principal Debt" means the amount of the principal debt referred to in in Part A of the Quotation;

 1.1.10 "POPIA" means the Protection of Personal Information Act 4 of 2013;

 1.1.11 "Process/Processing" has the same meaning assigned thereto in POPIA;

 1.1.12 "Quotation" means the pre-agreement statement and quotation to which you have agreed and which is attached to this Agreement.

 1.1.13 "Supplier" means the person from whom you procured the Goods;

 1.1.14 "VAT" means value-added tax chargeable under the Value-Added Tax Act 89 of 1991;

 1.1.15 "we"/"us"/"our" means JD Consumer Electronics & Appliances (Pty) Ltd, a private company duly registered and incorporated under the laws of the Republic of South Africa with registration number 1963/002315/07;

 1.1.16 "you"/"your" means the person who has agreed to enter into this Agreement and whose details are recorded in the Quotation.

1.2 The headings in this Agreement are included for reference purposes only and shall not in any way affect or govern the interpretation or construction of this Agreement.

1.3 A reference to legislation is a reference to legislation as at the date of enactment of the legislation or as it is amended or re-enacted from time to time, and includes all regulations issued under that legislation.

2. CREDIT FACILITY AGREEMENT

2.1.1 You agree to borrow from the credit provider the loan amount set out in the schedule to this agreement and to pay to the credit provider the amounts set out in the schedule to this agreement, subject to the terms and conditions set out herein.

2.1.2 The parties record that this agreement is a credit facility as defined in the NCA and that the NCA is applicable to this agreement.

2.1.3 The schedule to this agreement, ("the Schedule") sets out information regarding the loan amount borrowed and the payment terms, forms part of this agreement and must be read as such.

2.1.4 You acknowledge that you have received a Quotation and Pre-Agreement Statement (which includes a Summary of Rights, Obligations and Security) in terms of the NCA.

2.1.5 The credit provider is not the supplier or merchant of the goods or services purchased on the credit facility:

2.1.6 the credit provider will have the right to pay the suppliers the amount appearing on the voucher and debit the consumer’s account facility with such amount;

 2.1.6.1 the credit provider will not be liable for any costs, damages, expenses or losses which arise as a result of a dispute with the supplier or merchant.

2.1.7 You may elect and instruct the credit provider to either:

 2.1.7.1 pay the whole amount to you, by paying the loan amount to the account nominated by you for purposes of the payment of monthly installments by way of a monthly debit order, or where offered;

 2.1.7.2 pay the whole of the loan amount to a third party nominated by you in the schedule to this agreement; or where offered

 2.1.7.3 pay a portion of the loan amount into the account mentioned in paragraph 2.1.6.1 and the remainder of the loan amount to a third party nominated by you in the schedule to the agreement.

2.1.8 A reference to legislation is a reference to legislation as at the date of enactment of the legislation or as it is amended or re-enacted from time to time, and includes all regulations issued under that legislation.

3. PAYMENTS AND REPAYMENTS

3.1 You must pay all amounts due in terms of this Agreement on the Due Date.

3.2 You may at any time prepay any amount under this Agreement, without penalty. Your payments will be used to reduce your obligations in the following order:

 3.2.1 firstly, against due or unpaid interest;

 3.2.2 secondly, against due or unpaid fees or charges; and

 3.2.3 thirdly, against the outstanding amount of the Principal Debt.

 3.2.4 You shall pay to the credit provider the installments specified in the agreement.

 3.2.5 Any instalment due in terms of this agreement, is due and payable on or before the last day of each calendar month unless prior alternative written arrangement is made with the credit provider.

 3.2.6 You are not entitled to skip any payment. You are entitled to make a payment before the stipulated payment date in terms of the agreement but you may not withhold payment in any given month as long as there is an outstanding balance.

 3.2.7 Subject to the consumer’s rights in terms of the common law, he/she shall not be entitled to withhold payment of any installments or other amounts owing to the credit provider. You will not be entitled to set off against any installments or other amounts payable in terms hereof, any present or future claim, which you may have against the credit provider, from whatever cause arising.

 3.2.8 All installments shall be paid by way of a standard or an early debit order (the choice of which will be at the credit provider’s election), and you authorise the credit provider to instruct your bank to deduct a variable amount directly from your bank account and to pay the amount due to the credit provider. The variable amount is the monthly instalment, as well as any other amounts that may be due, from time to time, by you in terms of this agreement.

 3.2.9 The debit order authorisation and mandate in terms of this agreement may be ceded or assigned to a third party if the credit provider cedes or assigns the consumer’s indebtedness to it in terms of this agreement to that party. 3.2.10 The credit provider may allow you to make payment at the address of the credit provider, as detailed in the agreement or by such other method as the credit provider may deem fit.

4. DISPUTES WITH THE SUPPLIER

4.1 You hereby acknowledge that this is a credit facility/ revolving loan agreement between you and the credit provider. The credit provider is not a party to any legal relationship that may exist between you and any third party referred to in paragraph 2.1.7 above.

4.2 The credit provider will not be liable to you for any dispute which arise for the Goods purchased from the Supplier or merchant with the amount of the credit advanced to you i.e. costs, damages, expenses or losses, and you will not have the right to claim any amount from the credit provider us or to institute any counterclaim against or to apply set-off against credit provider us on this basis.

4.3 No dispute between you and the Supplier regarding the Goods will give you the right to be exempted from any of your obligations to the credit provider.

4.4 You should resolve such disputes with the supplier or merchant directly, subject to section 5(2)(d) of Consumer Protection Act as Amended.

5. CREDIT LIMIT

5.1 The credit provider may increase or decrease the credit limit upon the consumer’s instructions and in accordance with the NCA;

5.2 Before the credit provider increases the credit limit, the credit provider will conduct a fresh assessment as required by NCA.

5.3 The credit provider will notify you in writing or orally should the credit limit decrease or increase from the existing credit facility limit.

6. USE OF THE CREDIT FACILITY

6.1 The consumer will be issued with a card, which remains the property of the credit provider and upon demand must be returned.

6.2 The card may be used to make purchases at associated stores/stores displayed on the card for account lookup purposes. The authorisation however to purchase on your credit facility will however happen via biometric identification to confirm that the purchaser is the authorised account holder.

6.3 The consumer is required to sign a sales voucher (slip).

7. STATEMENTS OF ACCOUNT

7.1 The credit provider will deliver statements of account to you in the manner chosen by you. Such statements shall be delivered at regular intervals, not exceeding three months.

7.2 You are entitled to dispute all or part of any incorrect credit or debit in a statement of account by delivering a written notice to us.

7.3 The fact that a consumer did not receive a statement in a particular month does not release the consumer’s liability to pay any amount due under this agreement.

7.4 Should the consumer not receive a statement, the consumer is to bring this to the credit provider’s attention and may obtain a balance telephonically.

8. CREDIT LIFE INSURANCE

8.1 You shall enter into a credit life insurance agreement with an insurer of your choice, in terms of which you are insured against death and disability for an insured amount not exceeding your outstanding obligations in terms of this agreement.

8.2 The credit provider may offer you further optional insurance in relation to your obligations in terms of this agreement.

8.3 You hereby authorise the credit provider to pay the insurance premiums in respect of the aforesaid policies, as set out in the schedule to this agreement, on your behalf to the insurer(s), and to recover such amount(s) as paid on your behalf.

8.4 You shall have the right to reject any particular insurance policy proposed by the credit provider and to substitute with a policy of your choice, provided that such policy complies with the terms of this agreement.

8.5 You hereby admit that you have exercised a free choice in respect of the insurer with which the aforementioned insurance policy/ies is concluded. Furthermore, you confirm that you had an unqualified unrestricted free choice as to:

 8.5.1.1 whether a new policy(ies) is taken out or whether an existing policy(ies) is used for the purpose of clause 8.1;

 8.5.1.2 which insurer issues the policy(ies) and which institution or person will act as intermediary; and

 8.5.1.3 that such free choice was exercised freely without any coercion or inducement as to the manner in which you exercised such free choice.

8.6 You confirm that you understand your freedom of choice as explained and that such freedom of choice was explained or displayed to you before any decision was made as to what policy(ies) to utilise for the purposes of clause 7.1 and 7.2. Should you choose to substitute with a policy of your choice, you undertake to give written proof to the satisfaction of the credit provider of the policy so substituted in terms of this agreement before the receipt of the credit limit in terms of this agreement.

8.7 You hereby cede the aforementioned credit life insurance policy/policies (whether proposed by the credit provider or substituted by you) to the credit provider to secure the consumer’s indebtedness in this agreement.

8.8 You shall notify the credit provider immediately of any potential claim in terms of the abovementioned insurance policy or policies and shall fully comply with all the terms of such insurance policies.

9. EARLY SETTLEMENT AND TERMINATION OF THE AGREEMENT

9.1 You may terminate this Agreement at any time on the conditions set out below.

 9.1.1 Terminate this Agreement early;

 9.1.2 On a date which this Agreement ends;

9.2 If you terminate this Agreement early as mentioned above, you must pay the credit provider the settlement value on the settlement date specified. The settlement value will include all of the following amounts as at the settlement date specified:

 9.2.1 the unpaid balance of the Principal Debt; and

 9.2.2 the unpaid interest and all other fees and charges you owe.

10. DEBT COUNSELLING

10.1 If you are in financial difficulty, consider yourself over-indebted or you have reason to believe that credit was recklessly granted to you, you are encouraged to talk to us and we will endeavour to help you.

10.2 If you are an individual you have the right to apply to a debt counsellor who will consider your application to determine whether you are over-indebted or if you were granted credit recklessly.

10.3 An application for debt review in terms of the NCA will not apply to this Agreement if the credit provider has already proceeded to take legal steps to enforce the Agreement.

10.4 If your application is rejected by the debt counsellor, you have 20 (twenty) Business Days from the date of such rejection, to apply to a Magistrates' Court for an appropriate order.

10.5 If you are in default of your obligations and you have a pending application for debt review with a debt counsellor, we may give notice to terminate such review after 60 (sixty) Business Days. We will not terminate an application for debt review if such application for review has already been filed in a court or in the Tribunal.

11. PERSONAL INFORMATION

11.1 You agree and consent thereto that we may transmit to a registered credit bureau(x) information concerning –

 11.1.1 your application, this Agreement and the termination thereof as well as the information about your Account;

 11.1.2 any non-compliance by you with the terms of this Agreement.

11.2 You acknowledge that such a credit bureau will provide a credit profile and possibly a credit score on your credit worthiness. You have the right to contact such a credit bureau(s), to have the credit record(s) disclosed and to correct any inaccurate information.

11.3 You agree that we may–

 11.3.1 make enquiries to confirm and verify any information provided by you in the application form;

 11.3.2 seek information from any credit bureau(s) when assessing your application and at any time during the existence of your account.

11.4 You acknowledge and expressly consent thereto that we may –

 11.4.1 Process your Personal Information to conclude this Agreement and for purposes of maintaining the Account, providing services to you, including any benefits attached to the your account and complying with your instructions; and

 11.4.2 Process your Personal Information for purposes of the prevention and detection of fraud and criminal activities, the identification of the proceeds of unlawful activities and the combating of money laundering activities.

11.5 You have the right to access your Personal Information held by us. We will grant you such access during office hours within a reasonable time after receiving a written request for access.

12. CREDIT PROVIDER DETAILS

NAME: JD Consumer Electronics Appliances (Pty) Ltd

REGISTRATION NR: 1963/002315/07

ADDRESS: 6 Eastern Service Road, Eastgate, Sandton, 2090

NCR REGISTRATION NR: NCRCP 13549

THIS INFORMATION IS ALSO AVAILABLE ON OUR WEBSITE FOR EASE OF REFERENCE.

13. DEFAULT ADMINISTRATION FEE FOR LETTERS OF DEMAND

We will charge you a fee each time you miss one or more payments and we have to write a letter to you to advise you of your default. This fee is called a default administration fee. It is the same amount as the fee that must be paid for a registered letter of demand for an undefended action under the Magistrates' Courts Act. It also includes the costs we incur in delivering the letter to you.

14. WHEN YOU WILL BE IN DEFAULT UNDER THIS AGREEMENT

14.1 You will be in default under this agreement if:

 14.1.1 you do not pay any amount payable to us under this Agreement on the Due Date; or

 14.1.2 you breach any of the terms and conditions of this Agreement and you do not remedy the breach within 10 (ten) days of receiving written notice to do so; or

 14.1.3 Any representation or warranty made in connection with this Agreement or any other documents supplied by you is materially incorrect or false;

 14.1.4 you –

  14.1.4.1 being an individual -

   14.1.4.1.1 publish notice of the voluntary surrender of your estate or die;

   14.1.4.1.2 are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;

   14.1.4.1.3 have any application or other proceedings brought against or to respect of you in terms of which a third party seeks to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory;

  14.1.4.2 not being an individual:

   14.1.4.2.1 are wound up, liquidated, dissolved, deregistered or placed under judicial management, in any event in a manner which is provisional or final, voluntary or compulsory, or you pass a resolution providing for any such event;

   14.1.4.2.2 are treated as being unable to pay your debts;

   14.1.4.2.3 resolve that you voluntarily begin business rescue proceedings or have any business rescue proceedings commenced against you, as contemplated in section 132(1) of the Companies Act 71 of 2008;

 14.1.5 you compromise or attempt to compromise with your creditors generally or defer payment of debts owing by you to your creditors

15. OUR RIGHTS IF YOU ARE IN DEFAULT

15.1 If you are in default, we may:

 15.1.1 In the event of you failing to pay any amount due in terms of this agreement, we shall be entitled to instruct a firm of debt collectors registered in terms of the Debt Collectors Act, Act 114 of 1998 or a registered firm of attorneys to collect payment of the amount due in terms of the agreement on behalf of us.Subject to this provision of the Debt Collectors Act and the Regulations thereto, any debt collector collecting the debt due to the credit provider shall be entitled to make contact with and demand payment from you by way of personal or telephonic consultations.

 15.1.2 give you written notice of such default and propose that you refer this Agreement to a debt counsellor, alternative dispute resolution agent, consumer court or ombud with jurisdiction, with the intention that the parties resolve any dispute under this Agreement or develop and agree on a plan to bring repayments up to date;

 15.1.3 commence legal proceedings to enforce and exercise our rights in terms recovering collection costs and default administration charges if-

  15.1.3.1 we have given you notice as referred to in 12 above or we have given notice to end any debt review process under section 86 of the NCA which may then be underway in respect of this agreement; you have been in default under this agreement for at least 20 (twenty) Business Days; and

  15.1.3.2 at least 10 (ten) Business Days have passed since we delivered the notice contemplated in 12.1.2.1; and

  15.1.3.3 in the case of a notice in terms of 12.1.1, you have:

   15.1.3.3.1 not responded to that notice;

   15.1.3.3.2 responded to the notice by rejecting our proposal;

16. COLLECTION COSTS

16.1 If we bring legal proceedings against you to enforce payment of amounts you owe us, you are liable to pay all costs we incur in collecting the payment. The costs are determined by various laws, including:

 16.1.1 the Superior Courts Act, 1959 and rules of the Court;

 16.1.2 the Magistrates' Courts Act, 1944 and the rules of the Court;

 16.1.3 the Attorneys Act, 1979; and

 16.1.4 the Debt Collector's Act 1998

16.2 The collection costs exclude the default administration fee.

17. CESSION AND ASSIGNMENT

17.1 Unless otherwise agreed, you may not transfer any of your rights and/or obligations.

17.2 We may, without notice to you, transfer any of our rights and/or obligations and you agree that you will recognise the transferee's rights.

18. COST FEES AND INTEREST

18.1 You agree –

 18.1.1 to pay an initiation fee, which is a fee charged for the preparation costs of this Agreement;

 18.1.2 that you were given the option to either pay the initiation fee upfront or not wherein it will be included in the Principal Debt and interest will be charged thereon.

18.2 You agree to pay the monthly service fee, which is a monthly fee charged on the Due Date, for the routine monthly administration of your Account. If you do not pay this fee on time, it will be added to the outstanding balance and interest will be charged thereon.

18.3 The interest rate payable will be the interest rate set out in the Quotation.

18.4 Interest is calculated daily. We are entitled to add any unpaid interest to the outstanding balance of the Principal Debt which at that stage is still payable in terms of this Agreement.

18.5 We may change the amount of the service fees or of the other fees and charges stated in the Quotation by giving you at least five Business Days' notice in writing of the change, on condition that the service fees and other fees and charges may not exceed the maximum amount which is set under the NCA at the time of the change.

18.6 Insurance premiums may change from time to time in accordance with the terms of the relevant policy.

18.7 Subject to the provisions of the NCA and the Regulations thereto, the interest rate shall be calculated at a variable rate which is linked to the SA Reserve Bank Repurchase Rate (“Repo Rate”).

18.8 The calculation of interest shall be in accordance with the NCA and the Regulations thereto.

19. ADDRESSES

19.1 You agree that the postal/email address that you have provided on the Quotation is the address where we must send all post and other communication to you and that such communications will be binding on you.

19.2 You have in writing indicated that the notice contemplated in clause 12 must be delivered by registered mail to the address specified by you or to any adult person at the physical address or location specified by you.

19.3 You agree that the physical address that you have provided on the Quotation is the address that you have selected as the address where we must send all legal notices to you (your "domicile address").

19.4 You must let us know, in writing, by hand or registered mail, of any change to either of your addresses or your email address, telephone or cellular phone numbers. If you fail to give notice of a change of address, we may use the last address we have for you.

19.5 You accept that you will be deemed to have received a notice or letter five (5) Business Days after we have posted it to either of the addresses you have given to us.

20. YOUR ACKNOWLEDGEMENTS, REPRESENTATIONS AND WARRANTIES

20.1 By signing this Agreement either physically, digitally or electronically you acknowledge and agree that-

 20.1.1 you have the full capacity to effect and carry out your obligations in terms of this Agreement and that the terms of this Agreement do not conflict with and do not constitute a breach of the terms of any other agreement or undertaking that is binding on you;

 20.1.2 all information that you provided to us in connection with this Agreement is in all aspects true, complete, current and accurate, and you are not aware of any material facts or circumstances not disclosed to us, which if disclosed, would adversely affect our decision to grant credit to you;

 20.1.3 you are not subject to an administration order or under debt review;

 20.1.4 this Agreement has been either verbally explained, given access to or electronically displayed to you and you understand and appreciate the costs, risks and obligations associated herewith;

 20.1.5 as at the date of your application for credit, you have not taken up any additional credit.

20.2 If you are married in community of property, you warrant that your spouse has consented to the conclusion of this Agreement in writing and that his/her signature has been attested to by two witnesses.<20.4.1> 

20.3 You have the right to resolve any dispute that may arise between us by way of alternative dispute resolution, or to file a complaint with the National Credit Regulator, or to make an application to the Tribunal.

20.4 In terms of s44 of ECTA, you can cancel without reason and without penalty any transaction and any related credit agreement for the supply of-

 20.4.1 Of goods within seven days after the date of the receipt of the goods; or

 20.4.2 Of services within seven days after the date of the conclusion of the agreement.

 20.4.3 The only charge that may be levied on the consumer is the direct cost of the goods.

21. CONTACT DETAILS

21.1 The following contact details are hereby disclosed:

Contact Centre: 010 211 1120

Credit Ombudsman: 086 1662 837

National Credit Regulator: 086 062 7627

Credit Bureau: 086 1128 364

22. GENERAL

22.1 If we have not strictly enforced the terms and conditions of this Agreement at any time, you may not assume that the terms and conditions have been waived or altered by us. These terms and conditions will still apply and we will have the right to enforce the terms and conditions at any time.

22.2 We may provide a certificate from any of our managers, whose position it will not be necessary to prove, showing the amount that you owe to us. You agree that we may take any judgment or order that we are entitled to in law based on the amount contained in the certificate, unless you disagree with such an amount and are able to satisfy the court that the amount in the certificate is incorrect.

22.3 This is the whole Agreement and no changes or cancellations will be valid unless it is in writing and signed by both parties or is voice-logged by us and subsequently reduced to writing.

22.4 This Agreement is governed by South African law.

22.5 In terms of Section 45 of the Magistrate's Court Act 32 of 1944 and at our option, any claim that may arise may be recovered in any magistrate's court having jurisdiction and you hereby consent to the jurisdiction of the Magistrates' Court.

22.6 In the event of the consumer being married in community of property, he/she warrants that his/her spouse has consented to the conclusion of this agreement in writing and his/her signature has been attested to by two witnesses.

22.7 This contract complies with the Commission’s direction under section 20(7) of the Value Added Tax Act 89 of 1991.

If, after reading the Agreement and after we have explained it to you, you are still uncertain of your rights and your financial risk and obligations, we recommend that you obtain independent advice. By signing this Agreement you acknowledge and agree that you understand this Agreement, your rights, financial risk and obligations, and that you are aware of and have paid special attention to all the terms printed in bold.