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 You will have taken all reasonable steps to ensure that the information submitted is accurate, up-to-date, relevant, complete and valid when submitting such information.

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 [email protected]

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 10 days to reflect in your bank account. Should you not receive your refund within 10 days, 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.

11.1 We conduct all transactions in South African Rand (ZAR) through PayU Payment Solutions (Pty) Ltd (“PayU”). When PayU processes a transaction for you via any of their secure payment web services, the transaction is encrypted. The PayU security policy can be found at https://www.payu.co.za/faqs/security.Please also read the PayU Terms and Conditions, at https://www.payu.co.za/legal. By submitting a sales order 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 or have the mandate to transact to do so. This includes that you have got the express permission (indemnity) of the person and or business whose information you are submitting/using through any of our services and that you are not in breach of the Consumer Protection Act or National Credit Act, or any other applicable legislation. You indemnify JD Group, its Members and employees from any claim and/or liability from any third party arising out of your instructions and/or use of the service(s).

11.2. JD Group makes use of Secure Citizen as an integrated third party solution during the checkout for credit transactions.

11.2.1 This is to ensure that you, the customer, authenticates and approves the transaction, you consent to Secure Citizen processing your personal information and communicating with you for this purpose. In order 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.

11.2.2 All transactions processed through Secure Citizen are encrypted. The Secure Citizen security policy can be found at https://securecitizen.co.za/terms-conditions. Please also read the Secure Citizen Terms and Conditions, at https://securecitizen.co.za/privacy-policy/. Please also read the Secure Citizen Terms and Conditions.

11.2.3 By submitting a credit transaction 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 or have the mandate to transact. This includes that you have got the express permission of the person and/ or business whose information you are submitting/using through any of our services. You therefore indemnify JD Group of any loss that might occur in respect of your use of the online payments solutions available. In addition, you warrant that you are not in breach of the Consumer Protection Act or National Credit Act, nor any other applicable legislation.

11.3 You indemnify JD Group, 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).

11.4 JD Group accepts the following payments on its website:

11.1 Credit Card payments: Only South African issued (Visa and Master) credit cards are accepted for online payments. We may require additional information to verify the validity of the payment. On completing the purchase cycle, we send the sales details to the bank. If payment is unsuccessful or the bank does not authorise, we cannot meet your purchase cycle.

11.2 Other payment methods:

11.2.1 Bank Deposits and Electronic Funds Transfer:

Should you select to pay via a bank deposit or Electronic Fund Transfer, on completion of your order instruction will be emailed to you regarding the method in which monies must be deposited in JD Group’s account subject to the following Terms and Conditions:

11.2.2 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). JD Group cannot be held liable for any delays, errors, fees, bank-affiliated fees/admin charges and currency fluctuations. PayU EFT Pro only facilitates the transaction between you and your bank. The terms and conditions existing between you and the Bank still apply.

11.2.3 When paying using 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.

11.2.4 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) instead 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 concerned about the risks that may be involved. Therefore, we at JD Group deploy technology, such as 3D Secure, which will protect you while you shop.

11.2.5 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.

11.2.6 For a direct deposit, the deposit must be in cash and SA Rands only, (no other currency will be accepted).

11.2.7 No cheque deposits are accepted.

11.6.2 CFS facilitates the credit transaction. The terms and conditions existing between you and CFS still apply. The Delivery timeframe is relative and will depend on the time and date of the successful confirmation. refer to our delivery timeframes & Ts&Cs for more information.

11.1 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 for refunding monies already paid by you (see JD Group’s Refund Policy in point 26 in this regard) and accepts no other liability which may arise as a result of such refusal to process any order/sale. You are privy to our Terms and Conditions that we conduct all transactions in South African RAND (R) (ZAR) through PayU Payment Solutions (Pty) Ltd. When PayU Payment Solutions (Pty) Ltd processes a transaction for you via any of their secure payment web services, the transaction is encrypted.

11.6.3 VISA Checkout:

(a) Please carefully read the Visa Checkout terms of service ("Terms") on www.visa.co.za before using this as a payment method. By registering and creating a VISA CHECKOUT ACCOUNT, you have acknowledged that you understand and agree to all of the terms and have clicked an "I Accept" button or an equivalent indicator with regards to the use of Visa Checkout. Please refer to www.visa.co.za for a full set of VISA CHECKOUT terms and conditions.

(b) By using VISA CHECKOUT as an online payment method, you agree to the following terms and conditions:

(a) Any queries relating to your VISA CHECKOUT account, statement or unlawful payments will be directed to VISA CHECKOUT and not JD Group.

(a) JD Group is in no way obliged to assist, direct or manage any VISA CHECKOUT concerns, issues or general information requests and no such requests will be entertained.

(b) VISA CHECKOUT returns and exchanges will be dealt with in the same way as any other product return. Please refer to our Returns Terms and Conditions.

(c) JD Group cannot be held liable for the time it takes for your OTP that is required for 3D Secure payments, and is in no way obligated to honour any promotional and or limited stock products should these be sold out after your application is approved. For limited stock promotions we recommend that if you are not an existing VISA CHECKOUT user to please select a different payment method.

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	[email protected]
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 When you visit or transact on the JD Group Website, you consent to electronically receive communication from JD Group. You agree that all agreements, notices, disclosures and other communication sent by JD Group satisfy any legal requirements, including but not limited to the condition that such communications should be "in writing". However, you can opt-out of each cookie category (except strictly necessary cookies) by clicking on the "cookie settings" button or disable cookies in your web browser.

19.2 JD Group ensures that the goods are fit for the purpose for which you want to buy them and are in excellent condition and free of any form of defects before you take delivery of the goods. It is the customer's responsibility to ensure, before delivery, that the goods listed on the till slip or your purchase order correspond in description, price and quantity with the goods purchased. You agree to adhere to the user/manufacturer's instructions and ensure that you make yourself aware of all product warnings and safety instructions before installing or using all products purchased from JD Group. In addition, you are to keep proof of any repairs conducted and allowed by JD Group and proof of purchase on all returned goods.

19.3 You must make sure of all measurements and sizes before purchasing your goods, as we will not replace or refund you if the goods do not fit into the intended location or through a door.

19.4 The onus is on you to advise us if the goods are for a particular purpose when entering the transaction, and we cannot be held liable if you have not advised us of the goods particular purpose.

19.5 JD Group provides the website “as is” and “as available” and to the extent permissible by law disclaims warranties including but not limited to a warranty of title, merchantability, non-infringement, fitness for a particular purpose and that the website is free from defects, uninterrupted and error-free. While JD Group attempts to provide accurate and timely information, JD Group cannot guarantee this. JD Group may correct and change the website if required. The JD Group goods and services described on the website are available in RSA through the JD Group distribution network.

19.6 Although JD Group has tried to display the goods and their colours as accurately as possible, the displayed products and colours of the products will also depend upon your equipment and JD Group cannot guarantee that your equipment will display an accurate representation of the actual goods or their colours. JD Group will not be liable for any other website provided by any third party. It does not include all accessories shown with products for presentation in the price, nor are such products guaranteed to be available for sale by JD Group. In the event of delivery delays or out-of-stock situations, we will notify you and we will do our very best to ensure a speedy fulfilment.

19.7 Image Disclaimer: Where products are displayed with compatible devices, we will not include these devices as part of the sale price unless specifically identified as part of a product bundle. In all other cases, we show images to display products within a lifestyle setting and do not include part of a sale’s proposal including any said devices or lifestyle additions.

20.1 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.

20.2 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:

POPIA_ Take Action_ Incorporate External Privacy Statement target.

Data Subject Access Request Process:

The Data Subject Access Request procee to be followed as outlined in clause 3 of the Data Subject Request Policy.

Contact details of the liaison person:

Liaison Person	Contact details	Email address/th>
Ankia van der Pluym	+27 (11) 718 6153	[email protected]

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.

5.7. 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.

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 they have 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 Connect Financial Services (Pty) Ltd (Reg No. 2018/431596/07), a registered Credit Provider (NCRCP11158) (“The Company”).

3. Promotion Period:

3.1. The Promotion will run from 12 November 2021 08h00 to 30 November 2021 23h59. (“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 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. Received an SMS, email or call from the Company inviting the participant to participate in the promotion.

4.3. Pay the required amount as requested by the SMS sent to the participant.

4.4. Made the required payment to the Company and the Company must have received payment during the promotion period.

4.5. The participant will automatically be entered into the Promotion.

4.6. The winner has the discretion to consent to his/her name made public.

4.7. 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.

4.8. Each participant will be entered into the draw once, irrespective of the number of credit agreements the participant has with the company.

5. Number of Entries per Participant

One entry per person for the period of the promotion.

6. Entry Fee

There is no entry fee to participate in the promotion.

7. The Offer:

7.1. This Promotion is conducted in the ordinary course of business and is open to all existing customers who meet the qualifying criteria and receive the SMS from the promoter.

7.2. The draw date shall take place on the 10 December 2021 and an internal auditor will observe the draw.

7.3. The winner will be notified by SMS or a telephone call by the 18th December 2021. The prize must be taken up by the 31st December 2021, failing which the prize will be awarded to the next eligible winner.

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

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

7.6. The prize may only be redeemed by an account holder who has a valid credit agreement with the Company that is up to date. Promotion is not redeemable in conjunction with any other promotions by the Company.

7.7. This Offer is open to all customers that received an SMS, email or call 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.

7.8. 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.

8. The Prize

The participant will stand a chance to win the below prizes during the Promotion period:

8.1. Two Customers: to stand a chance to win one of the two Camden Lay-Flat Recliner Chair in Fabric to the value of R7495 each.

9. Winning draw and Winner’s Rights and Obligations

9.1. The Winners will be chosen randomly under the supervision of an independent accountant, registered auditor or attorney. The draw will take place on the 11th December 2021, the winner will be notified via a phone call or SMS.

9.2. Should the Competition draw be postponed, a decision which will be in the sole discretion of the Promoter, to another date for any reason whatsoever, the new draw date will be published on the website cited below within 4 (four) days after the original draw date.

9.3. The random entry drawn will be independently audited by an independent accountant, registered auditor or attorney to establish whether it meets the Competition qualifying criteria and if so that the Participant will be the Winner (subject to the Promoter being able to contact the Winner). If the qualifying criteria are not met further random draws will take place until a randomly selected valid entry meets the eligibility criteria.

9.4. The Winner will be notified within 48 (forty-eight) hours of the random draw taking place. The Promoter will attempt contact the Winner at least 3 (three) times, but if the Promoter is unable to contact the Winner within 2 (two) days after the first attempt, through no fault of the Promoter, the Prize will be awarded to the next eligible Winner. The Winner will also be announced on the Promoter’s webpage.

9.5. If the Winner(s) is unable to attend, receive or utilize the prize or is uncontactable during the stipulated period, the entire prize will be forfeited at the discretion of the Promoter.

9.6. The Winner may be asked to participate in marketing activities, including by having his/her photograph taken, but he/she will be entitled to decline to do so.

9.7. The Prize is exclusively for the benefit of the Winner and is neither transferable nor exchangeable for cash or otherwise. The Prize must be taken up within 3 (three) weeks after the Winner has been announced.

9.8. The Winner will be required to complete a declaration acknowledging receipt of the price and that he/she is not connected to the Promoter as stipulated in clause 5 above.

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

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

9.11. By entering this competition, 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.

9.12. By participating in this Competition, a Participant agrees to all the Competition Rules set out above, without exception.

The Winner agrees that upon winning the Prize, no further prizes in any competitions or give-away or similar campaign of Promoter or JD Group of which the Promoter forms part, will be awarded to the Winner for a period of 3 (three) months, irrespective of whether the Winner has entered or qualified prior to or after the date on which the Prize was awarded to the Winner.

The credit provider and the consumer hereby conclude a credit facility agreement subject to the terms and conditions of this agreement, read with the schedule to the agreement.

1. THE AGREEMENT

1.1 The consumer hereby agrees 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.

1.2 The parties record that this agreement is a credit facility as defined in the National Credit Act No.34 of 2005 as amended (NCA) and that the NCA is applicable to this agreement.

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

1.4 The consumer acknowledges that he/she has received a Quotation and Pre-Agreement Statement (which includes a Summary of Rights, Obligations and Security) in terms of the NCA.

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

1.5.1 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;

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

1.5.3 the credit provider will not be party to any dispute with the supplier or merchant and the consumer should resolve such dispute with the supplier or merchant directly subject to section 5(2)(d) of the Consumer Protection Act as amended.

1.6 It is recorded that the consumer may elect and instruct the credit provider to either:

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

1.6.2 pay the whole of the loan amount to a third party nominated by the consumer in the schedule to this agreement, or where offered

1.6.3 pay a portion of the loan amount to the consumer into the account mentioned in paragraph 1.6.1 and the remainder of the loan amount to a third party nominated by the consumer in the schedule to the agreement.

1.6.4 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. THE PRINCIPAL DEBT & COST OF CREDIT

2.1 The principal debt applicable to this agreement is the credit advanced by the credit provider to the consumer, being the loan amount advanced plus the additional charges permitted by section 102 of the NCA.

2.2 The quotation sets out the cost of credit of the credit facility and the credit limit reflected in the quotation is the maximum amount the consumer qualifies for as at time of application;

2.3 The installment reflected is the minimum installment due by the consumer, using the assumption that the facility is utilised on the 1st day of the Agreement or the fixed installment.

3. INITIATION FEE

3.1 The credit provider shall be entitled to charge the consumer the maximum initiation fee permitted in terms of the NCA and the regulations thereto.

3.2 It fee reflected in the schedule upfront. is recorded that the consumer has the option of paying the initiation

4. SERVICE FEE

4.1 The consumer will be charged a pro rata service fee in the first month of billing which is subject to the conclusion of this agreement.

4.2 The credit provider shall be entitled to charge the consumer the maximum monthly service fee permitted in terms of the NCA and the regulations thereto.

4.3 Any reduction of the service fee granted to the consumer (including the charging of a discounted service fee at the commencement of the agreement) shall be entirely within the credit provider’s discretion and may at any time be increased to the maximum permissible amount, subject to such notice as may be required by the NCA, if any, being given to the consumer.

5. INTEREST

5.1 The consumer shall be obliged to pay interest on the balance of the principal debt from time to time at the rate specified in the Schedule, calculated daily and compounded monthly in arrears on the date the monthly installments are payable in terms of the schedule.

5.2 In the event that the consumer fails to pay any installment or any other amount due on the due date, such overdue amounts shall bear interest at the maximum interest rate applicable to an agreement of this nature, as prescribed by the National Credit Act and any Regulations thereto, at the specific time of default.

5.3 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”).

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

5.5 The credit provider will communicate changes to the interest rate to the consumer.

6. INSURANCE

6.1 The consumer shall enter into a credit life insurance agreement with an insurer of his/her choice, in terms of which he/she is insured against death and disability for an insured amount not exceeding the consumer’s outstanding obligations in terms of this agreement.

6.2 The credit provider may offer to the consumer further optional insurance in relation to his/her obligations in terms of this agreement.

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

6.4 The consumer shall have the right to reject any particular insurance policy proposed by the credit provider and to substitute a policy of his or her own choice, provided that such policy complies with the terms of this agreement.

6.5 The consumer hereby admits that he/she has exercised a free choice in respect of the insurer with which the aforementioned insurance policy/ies is concluded. Further, the consumer confirms that he/she had an unqualified unrestricted free choice as to:

6.5.1 whether a new policy(ies) is taken out or whether an existing policy(ies) is used for the purpose of clause 6.1;

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

6.5.3 that such free choice was exercised freely without any coercion or inducement as to the manner in which he/she exercised such free choice.

6.6 The consumer confirms that he/she understands his/her freedom of choice as explained and that such freedom of choice was explained to him/her before any decision was made as to what policy(ies) to utilise for the purposes of clause 6.1 and 6.2.Should the consumer choose to substitute a policy of his or her own choice the consumer undertakes 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 loan amount advanced in terms of this agreement.

6.7 The consumer hereby cedes the aforementioned credit life insurance policy/policies (whether proposed by the credit provider or substituted by the consumer) to the credit provider to secure the consumer’s indebtedness in of this agreement.

6.8 The consumer 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.

7. PAYMENT OF INSTALMENT

7.1 The consumer shall pay to the credit provider the instalments specified in the schedule to this agreement.

7.2 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.

7.3 Should the consumer prepay any amount, the outstanding balance will reduce, however the consumer will not be entitled to skip any payment. The consumer is entitled to make a payment before the stipulated payment date in terms of the agreement but may not withhold payment in any given month as long as there is an outstanding balance.

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

7.5 All instalments 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 the consumer authorises the credit provider to instruct the consumer’s bank to deduct a variable amount directly from the consumer’s 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 the consumer in terms of this agreement.

7.6 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.

7.7 Subject to clause 21, the credit provider may allow the consumer to make payment at the address of the credit provider, as detailed in the schedule or by such other method as the credit provider may deem fit.

7.8 The consumer may at any time, without notice or penalty, prepay any amount due to the credit provider under this agreement. The credit provider will credit each payment made under the agreement to the consumer as of the date of receipt by the credit provider of that payment, and will do so as follows:

7.8.1. firstly to satisfy any due or unpaid interest;

7.8.2. secondly to satisfy any due or unpaid fees or charges; and

7.8.3. thirdly to reduce the amount of the principal debt.

8. CREDIT LIMIT

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

9. STATEMENTS OF ACCOUNT

9.1 The credit provider shall deliver to the consumer a statement of account in the form prescribed by the NCA.

9.2 Such statements shall be delivered at regular intervals, not exceeding three months

9.3 The statements shall be delivered to the consumer as per the consumer’s preferred method of delivery reflected on the schedule.

9.4 The consumer shall be entitled to dispute all or part of any incorrect credit or debit in a statement of account by delivering a written notice to the credit provider.

9.5 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.

9.6 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.

10. EARLY SETTLEMENT

10.1 The consumer is entitled to terminate this agreement at any time either with or without notice to the credit provider, by paying the settlement amount.

10.2 The amount, which is required to settle this agreement (“settlement amount”), is the total of the unpaid balance of the principal debt at the time and the unpaid interest charges and all other fees and charges payable by the consumer to the credit provider up to the settlement date.

10.3. The credit provider shall provide a settlement letter which sets out the settlement amount upon the request of the consumer and such statement letter shall be valid for seven business days after delivery to the consumer.

11. BREACH, DEBT COLLECTION AND COLLECTION CHARGES

11.1. In the event of the consumer failing to pay any amount due in terms of this agreement, the credit provider shall be entitled to either:

11.1.1. suspend or close the credit facility by giving the consumer written notice at least 10 days before the facility is closed;

11.1.2. mediately submit an early debit order instruction to the consumer’s bank to collect the outstanding amount, notwithstanding that such instruction is presented to the consumer’s bank in the same month as the consumer failed to pay;

11.1.3. deduct such arrear amount from the consumer’s bank account through an additional debit order, which deduction made through an additional debit order will be without prejudice to the credit provider’s rights in terms of this agreement;

11.1.4 track the consumer’s bank account and the amount owed by the consumer will be deducted and paid to the credit provider as soon as there are sufficient funds in the account, in which event payment may occur on a date that is not the consumer’s usual debit order deduction date;

11.1.5. instruct a firm of debt collectors registered in terms of the Debt Collectors Act, Act 114 of 1998 or a firm of attorneys to collect payment of the amount due in terms of the agreement on behalf of the credit provider

11.2 Subject to the 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 the consumer by way of personal or telephonic consultations, send or deliver letters of demand to the consumer, or to take any other lawful step to collect the amount due.

11.3 In the event of the credit provider instructing a firm of debt collectors or attorneys to collect the debt from the consumer, the credit provider shall be entitled to charge the consumer collection costs as provided for in clause 12 hereunder.

12. BREACH AND LEGAL PROCEEDINGS FOR THE ENFORCEMENT OF THE AGREEMENT

12.1 In the event of the following facts occurring-

12.1.1 the consumer failing to pay any amount due to the credit provider on the due date for such payment or breaching of any of the terms of this agreement; or

12.1.2 the consumer being placed under provisional or final sequestration; or

12.1.3 the consumer committing an act of insolvency as defined in the Insolvency Act, 1936; or

12.1.4 a judgment being granted against the consumer in respect of any debt which remains unsatisfied for a period of seven days after the granting of such judgment; or

12.1.5 any property of the consumer being attached in execution of any debt;

12.1.6 then and in any such event, the credit provider shall, without prejudice to any other rights which it may have in law, be entitled to claim immediate payment of the full balance owing by the consumer in terms of this agreement then owing by the consumer to the credit provider, including default

12.2. If the consumer is in default in terms of this agreement, the credit provider may draw the default to the notice of the consumer in writing and propose that the consumer refer the credit agreement to a debt counsellor, alternative dispute resolution agent, consumer court or ombuds with jurisdiction, with the intent that the parties resolve any dispute under the agreement or develop and agree on a plan to bring the payments under the agreement up to date.

12.3. Before instituting legal action for the enforcement of the agreement, the credit provider shall comply with the provisions of the NCA

13. DEFAULT ADMINISTRATION COSTS AND COLLECTION COSTS

13.1 If the consumer defaults in any payment obligation under this agreement, the credit provider may levy and the consumer will be obliged to pay such default administration charges as is permitted by the NCA and the regulations thereto. Such charges will be equal to the charges payable in respect of a registered letter of demand in an undefended action in terms of the Magistrates Court Act together with necessary expenses incurred in delivering the letter

13.2 The credit provider will be entitled to charge the consumer collection costs in respect of the enforcement by the credit provider of the consumer's payment obligations under this agreement. These collection costs will not exceed the costs incurred by the credit provider in collecting the debt

13.2.1 to the extent limited by Part C of Chapter 6 of the NCA; and

13.2.2 in terms of:

supreme Court Act, 1959 and the rules of the Court;

ii. the Magistrates Courts Act, 1944 and the rules of the Court;

iii. the Attorneys Act, 1979; and

iv. the Debt Collectors Act 1998, whichever is applicable to the enforcement of the credit agreement.

13.3. Subject to the Magistrates Courts Act and the Supreme Court Act (including the rules thereto) any legal costs payable by the consumer referred to in the previous paragraph shall be on the attorney and client scale.

14. CERTIFICATE OF BALANCE

A certificate purporting to be signed by any manager of the credit provider, whose appointment and position need not be proved, shall constitute sufficient evidence of the amount due to the credit provider by the consumer, as well as any other fact mentioned therein, unless the amount of the indebtedness or such other fact is rebutted by the consumer on a preponderance of probability. As such, the certificate shall constitute prima facie evidence.

15. USE OF THE CREDIT FACILITY

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

15.2. The card may be used to make purchases at Associated stores/stores displayed on the card and the card needs to be produced on each purchase.

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

15.4. The consumer is responsible for the safekeeping of the card and lost / stolen cards may be reported to 010 211 1120.

15.5. In the event that the consumer fails to notify the credit provider of loss of the card, the consumer will be liable for all purchases charged to the account until such time the consumer reports the card as lost.

16. CESSION AND ASSIGNMENT

16.1. The consumer shall not cede, assign or transfer any of the rights or obligations in terms of this agreement without prior written consent of the credit provider.

16.2. The credit provider shall be entitled, subject to the NCA, to cede, assign and/or transfer its rights and obligations under this agreement.

17. ADDRESSES FOR RECEIVING OF DOCUMENTS

17.1. All process (including summonses), documents, pleadings and notices relating to this agreement shall be served or given to the credit provider at 6 Eastern Service Road, Eastgate, Sandton, 2090 (and no other address) unless such address has been changed in writing as provided hereunder.

17.2. All process (including summonses), documents, pleadings and notices relating to this agreement may be served or given to the consumer at the address mentioned in the schedule to agreement,unless such address has been changed in writing as provided hereunder

17.3. As such, the parties choose the aforesaid addresses as their respective domicilia citandi (an address where service of the aforesaid documents may be effected).

17.4. Either party to this agreement may change their address by delivering to the other party a written notice of the new address by hand, registered mail or electronic mail.

18.DISPUTE RESOLUTION

The consumer may resolve a complaint by way of alternative dispute resolution, file a complaint with the National Credit Regulator, or make an application to the National Consumer Tribunal.

19. DEBT COUNSELLING

In terms of section 86 of the NCA the consumer may apply to a debt counsellor, in the prescribed manner and form, to be declared over-indebted.

20. CREDIT INFORMATION

20.1 In terms of Section 81 of the NCA the credit provider is obligated to take all reasonable steps to prevent the extension of reckless credit. The consumer therefore authorises the credit provider, as follows, with regard to the consumer's personal credit information, notwithstanding the confidentiality of such information: -

20.1.1 to enquire regarding the consumer's credit profile and repayment behaviour from any credit bureau, credit register or other credit provider;

20.1.2 to supply or submit information regarding the consumer's credit profile or repayment behaviour to any credit bureau, credit register or other credit provider;

20.1.3 to disclose the above information as required in law;

20.1.4 to retain records of the consumer's personal and credit information in any data base in accordance with the provisions of the NCA.

20.2 The consumer has the right to contact the credit bureau, to have his or her credit record disclosed and to have inaccurate information corrected.

21.CONTACT DETAILS

The following contact details are hereby disclosed: Customer Care: 010 211 1120 National Credit Regulator: 086 062 7627 Credit Ombudsman: 086 166 2837 Credit Bureau: 086 1128 364

22. PERSONAL INFORMATION AND PROTECTION

22.1. The consumer gives the credit provider consent to collect and/or process the consumer’s personal information insofar as it is necessary for the credit provider to fulfil its obligations under this agreement.

22.2. The credit provider shall, at all times, take reasonable steps to ensure that appropriate security measures are in place for the protection of the integrity and confidentiality of the consumer’s personal information collected and/or processed by the credit provider.

23. INDULGENCE

No relaxation or indulgence granted by the credit provider to the consumer will be deemed to be a waiver of any of the credit provider’s rights in terms hereof, and such relaxation and indulgence will not be deemed a novation of any of the terms and conditions of this agreement, or create any estoppel against the credit provider. Any such indulgence, leniency or extension granted will not amount to a breach of any of the terms of this agreement by the credit provider.

24.GENERAL

24.1 The consumer confirms and acknowledges that the terms and conditions of this agreement, including the Schedule and his/her obligations there under, have been explained to him/her and that he/she understands them in full and agrees to them.

24.2 References in this agreement to the singular shall include the plural and vice versa and references to the masculine gender shall include the feminine and neuter genders and vice versa.

24.3 Each clause of this agreement shall be severable from the remainder of the agreement and should any clause in this agreement be found to be invalid, such invalidity shall not affect the validity of the remainder of the agreement.

24.4 This agreement, including and consisting of the schedule, the terms and conditions of the agreement, the declaration of income, expenses and financial obligations by the consumer, the affordability assessment and the credit application, constitutes the entire agreement between the parties and no amendment, alteration, consensual cancellation or waiver shall be valid or binding on the parties unless reduced to writing and signed by the consumer and an authorised representative of the credit provider.

24.5 The consumer hereby warrants that the information supplied in the application for credit regarding his/her marital status is correct.

24.6 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 that his/her signature has been attested to by two witnesses.

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

1.This Competition is promoted by JD Group, a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07 (“The Company or Promoter”) and with Incredible Connection, Hifi Corp, Russells, Bradlows, Rochester and Sleepmasters being brands of JD Group (“the Promoter”). This promotion is sponsored by Connect Financial Services (Pty) Ltd (Reg No.2018/431596/07), a registered Credit Provider (NCRCP11158) (“Third Party”). This Promotion is conducted in accordance with the relevant provisions of the Consumer Protection Act No. 68 of 2008 (“CPA”), National Credit Act No 34 of 2005 (“NCA”) and be read with the online Terms and Conditions (hereafter “Ts & Cs”) displayed on the respective stores mentioned above.

2. Promotion Period

2.1. The Promotion runs from the 1 May 2022 08h00 until the 31 July 2022 23h59 both dates inclusive, (“the Competition Period”). No entries will be accepted after midnight on 31 July 2022.

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

2.3. The Prize is not transferable, convertible to cash nor can it be substituted in any manner except as permitted by law.

3. How to qualify

The Participant must have:

3.1. Visited in store, the online webpage and/ or sms to see if the participant qualifies for a credit agreement.

3.2. Applied for a new credit agreement in store and be approved by the Third Party, in the participant’s capacity during the Competition period.

3.3. Paid the first instalment during the Competition period.

3.4. Thereafter, the Participant will automatically be entered into the Competition.

3.5. The Participants account must be up to date at the time of the draw.

3.6. These Ts and Cs do not negate the Participants’ obligations to continue making the required payments nor replace the Ts & Cs of the Credit Agreement.

4. Number of Entries per Participant

One entry for approved new credit agreement per person as well as one entry per R10 000 spend for the Competition Period.

5. Entry Fee

There is no entry fee to participate in the Competition save for clause 3 above.

6. The Prize

The Winner will stand a chance to win:

6.1. First Prize: Contribution towards the account of the Winner to the value of R10 000.00. If the nominated account balance is less than R10 000.00, the difference will be issued to the Winner as a promo code of the respective brand mentioned in clause 1 above and valid for 3 months from the date of issue, refer to the brand website for promo code Terms and Conditions.

6.2. Second Prize: JD Product to the value of R5000.00.

6.3. Third Prize: JD Product to the value of R2000.00

6.4. This Competition is conducted in the ordinary course of business and is open to all existing customers who meet the qualifying criteria as set out in clause 3 above.

6.5. The Prize will be forfeited at the discretion of the Promoter if the Prize remains unclaimed after the stipulated dates. The Company will not be liable for technical failures relating to this Competition that may result in an entry not being successfully submitted.

6.6. The Prize may only be redeemed by an account holder who has a valid credit agreement with the Company that is up to date. The Prize is not redeemable in conjunction with any other Competitions or Promotions by the Company.

6.7. This Prize is open to all customers that received an SMS, 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 Prize or the spouse(s), life partner(s) or immediate family member(s) cannot be a Participant in this Competition.

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

7. Exclusions

7.1. Directors, members, employees, agents of, or consultants to the Promoter and its subsidiaries, their promotional partners and printers, their advertising and promotional agencies, supplier of goods or services in connection with this Competition, or if you are any of the aforementioned persons' immediate family, including spouses, life partners, parents, children and siblings, are excluded from being entered into this Promotion.

8. Winning Draw Details and Winner’s Rights and Obligations.

8.1. The Winner(s) will be chosen randomly under the supervision of an independent accountant, registered auditor or attorney.

8.2. The random entry drawn will be independently audited by an independent accountant, registered auditor or attorney to establish whether it meets the Competition qualifying criteria and if so that the Participant will be the Winner (subject to the Promoter being able to contact the Winner). If the qualifying criteria are not met further random draws will take place until a randomly selected valid entry meets the eligibility criteria

8.3. The draw will take place on 10 August 2022. In addition, the winner will be posted on the respective store webpage and notified via a phone by someone from head office.

8.4. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on the respective stores’ website within 4 (four) days after the original draw date

8.5. The Winner will be notified within 48 (forty-eight) hours of the random draw taking place. The Promoter will attempt to contact the Winner(s) at least 3 (three) times, but if the Promoter is unable to contact Winner within 2 (two) days after the third attempt, through no fault of the Promoter, the Prize will be awarded to the next eligible Winner. The Winner(s) may also be announced on the Promoter’s Facebook page or webpage only once the Promoter has made successful contact with the Winner(s).

8.6. If the Winner(s) is unable to attend, receive or utilize the Prize or is uncontactable during the stipulated period, the entire Prize shall be forfeited at the discretion of the Promoter.

8.7. The Winner(s) have the discretion to consent to participate in marketing activities, including having their photograph taken or name published on the Promoter’s website or other media.

8.8. The Prize is exclusively for the benefit of the respective Winner(s) and is neither transferable nor exchangeable for cash or otherwise.

8.9. The respective Winner(s) will be required to complete a declaration acknowledging receipt of the Prize and that he/she is not connected to the Promoter as stipulated in clause 7 above.

8.10. By entering into the Competition, a Participant has the discretion to consent to the Promoter sending marketing material during and after this Competition and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and the third party service providers running the Competition in conjunction with the Promoter. You can view our External Privacy Statement at https://www.pepkor.co.za/wp-content/uploads/2021/04/Privacy-Statement.pdf//.

8.11. The Winner(s) agree that upon winning the Prize, no further Prizes in any Competitions or give-away or similar campaign of Promoter or JD Group of which the Promoter forms part, will be awarded to the Winner(s) for a period of 3 (three) months, irrespective of whether the Winner(s) have entered or qualified prior to or after the date on which the Prize was awarded to the Winner(s).

8.12. By participating in this Competition, a Participant agrees to all the Competition Rules set out above, without exception.

General

9.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Promotion agree that the Promoter will, subject to prevailing law, have no liability whatsoever 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 Prize, or from participation in this Competition.

9.2. The laws of the Republic of South Africa govern this Competition. If any provision or part of these Competition Rules is deemed void or otherwise unenforceable in law, then that provision or part shall be deemed excluded and the remainder of these Competition Rules shall remain in force. Any violation of these Competition Rules will result in the immediate disqualification of the transgressing Participant from the Competition.

9.3. The Promoters decision is final, and no correspondence will be entered into.

9.4. The right of a Participant to any benefit or right conferred as a result of participating in the Competition will only be fully vested when the Winner(s) have been duly contacted.

9.5. A copy of these Competition Rules is available on the websites of the respective stores mentioned in clause 1 above.

This Competition is promoted by JD Group a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) and with Sleepmasters being a brand of JD Group (the “Promoter”). In association with Facebook as a third party of this Competition.

1.This Competition shall be conducted in accordance with the provisions of section 36 read with Regulation 11 of the Consumer Protection Act No. 68 of 2008 and the Electronic Communications and Transactions Act No. 25 of 2002.

2.These Terms and Conditions should be read together with the online Terms and Conditions displayed at www.Sleepmasters.co.za/.

3. Competition Period

The Competition runs from 13th December 2021 until the 31st January 2022, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on the 31st January 2022. .

4. Who Can Enter (the “Participant”)

You are entitled to participate in this Competition if you are a natural person, 18 (eighteen) years or older, who is either a South African citizen or carries a valid work permit. The Promoter reserves the right, at any time, to verify the validity of a Participant (including but not limited to a participant’s identity and age) and to reject any Participant who has not complied with these Terms and Conditions. Errors and omissions may be accepted at the Promoter’s sole discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

5. Exclusions

Directors, members, employees, agents of, or consultants to the Promoter and its subsidiaries, their promotional partners and printers, their advertising and promotional agencies, supplier of goods or services in connection with this Competition, or if you are any of the aforementioned persons' immediate family, including spouses, life partners, parents, children and siblings, are excluded from being entered into this Competition.

6. How to Enter

A Participant must purchase any bed valued at R5999 or more and stand a chance to win a Sleepmasters Seattle King Size Bed Set worth R5999.

7. Number of Entries per Participant

One entry per person.

8. Entry Fee

There is no entry fee to participate in the Competition.

9. The Prize

1 x Sleepmasters Seattle King Size Bed Set.

10.Winning draw and Winner’s Rights and Obligations

10.1.The Winner will be chosen randomly under the supervision of an independent accountant, registered auditor or attorney.

10.2.The random entry drawn will be independently audited by an independent accountant, registered auditor or attorney to establish whether it meets the Competition qualifying criteria and if so that the Participant will be the Winner (subject to the Promoter being able to contact the Winner). If the qualifying criteria are not met, further random draws will take place until a randomly selected valid entry meets the eligibility criteria.

10.3.The draw will take place on the 3 January 2022. In addition, the Winner will be notified via phone call by someone from the head office and posted on the Sleepmasters Facebook webpage.

10.4.Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on our website www.slepmasters.co.za within 4 (four) days after the original draw date.

10.5.The Winner will be notified within 48 (forty-eight) hours of the random draw taking place. The Promoter will attempt to contact the Winner at least 3 (three) times, but if the Promoter is unable to contact the Winner within 2 (two) days after the third attempt, through no fault of the Promoter, the Prize will be awarded to the next eligible Winner. The Winner will also be announced on the Promoter’s web page only once the Promoter has made successful contact with the Winner.

10.6.If the Winner(s) is unable to attend, receive or utilize the prize or is uncontactable during the stipulated period, the entire prize will be forfeited at the discretion of the Promoter.

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

10.8.The Prize is exclusively for the benefit of the Winner and is neither transferable nor exchangeable for cash or otherwise. The Prize must be taken up within 3 (three) weeks after the Winner has been contacted and announced.

10.9.The Winner will be required to complete a declaration acknowledging receipt of the price and that he/she is not connected to the Promoter as stipulated in clause 6 above.

10.10.By entering into the Competition, a Participant has the discretion to consent to the Promoter sending marketing material during and after this Competition and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and third party service providers running the Competition in conjunction with the Promoter. You can view our External Privacy Statement at www.pepkor.co.za/wp-content/uploads/2021/04/Privacy-Statement.pdf

11. General

11.1.The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Competition agree that the Promoter will, subject to prevailing law, have no liability whatsoever 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 Prize, or from participation in this Competition.

11.2.The laws of the Republic of South Africa govern this Competition. If any provision or part of these Competition Rules is deemed void or otherwise unenforceable in law, then that provision or part shall be deemed excluded and the remainder of these Competition Rules shall remain in force. Any violation of these Competition Rules will result in the immediate disqualification of the transgressing Participant from the Competition.

11.3.The Promoters decision is final, and no correspondence will be entered into.

11.4.The right of a Participant to any benefit or right conferred as a result of participating in the Competition will only be fully vested when the Winner has been duly contacted.

11.5.A copy of these Competition Rules is available at www.slepmasters.co.za

1. The Promoter is Bravo Group Manufacturing (Pty) Ltd, Sleep Division, a division of Bravo Brands Pty (Ltd) (the Promoter”).

2. The Bravo Group Manufacturing (Pty) Ltd, Sleep Division Competition (‘the Competition”) will commence on 01 February 2022 and entries to the Competition will close on 30 April 2022 at 23h59. Any entries received after midnight on the last day will be invalid and will not be considered and are subject to government regulations.

3. The Competition is only open to persons above the age of 18 or if under the age of 18, with the consent of a parent/ guardian, residing in either South Africa, Zambia, Zimbabwe, Namibia, Lesotho or Botswana, who are in possession of a valid identity document (“the Participant”), except directors, members, partners, employees, agents or consultants of or any other person who directly or indirectly controls or is controlled by the Promoter or marketing service providers in respect of the Competition, or the spouses, life partners, business partners or immediate family members.

4. By entering the Competition, the Participants accept these terms and conditions (“the Rules”) and agree to abide by them. A copy of the Rules will be displayed on each of the brands online warranty registration pages. However, any Participant may request to be furnished with a copy of the Rules at no cost by emailing such request to [email protected]

5. The Participants stand a chance to win 1 (one) of 13 (thirteen) cash prizes to the value of R10,000.00 (Ten Thousand Rand) each, or the equivalent currency at the time of payment (the “Prize”).

6.To enter the Competition, Participants must purchase any Bravo Brands Sleep Products bed or bed set, hereinafter referred to as BBSD bed or bed set and register their purchase, by:

6.1.completing their name, store name, branch name, invoice number and product purchased on the applicable websites:

6.1.1.www.wakeuptomore.co.za

6.1.2.www.sealy.co.za

6.1.4.www.edblo.co.za

6.1.5.kingkoil.co.za; or

using the Wake Up to More – Competition WhatsApp line: 067 421 2482. In choosing to enter the competition via the WhatsApp line you accept all WhatsApp terms and conditions thereof.

7.Entries are unlimited and Participants will receive an entry into the Competition every time the Participant purchases a BBSD bed or bed set and registers on the applicable websites. The Promoter reserves the right to exchange the Prize for another of equal or greater value, should the circumstances require this.

8.To the extent that any taxes, duties, levies or other charges may be levied on a prize by the government or any other competent government or regulatory body, the winner/s will be liable therefore, and the Promoter will not increase the value of the prize/s to compensate for such charges.

9.It is also the responsibility of all Participants to retain their cash register slip as proof of purchase of any one of the above-mentioned qualifying products. If a Participant cannot produce the cash register slip upon demand, such Participant will be automatically disqualified from the Competition and will forfeit the prize. In the event that the Participant made the purchase with his/her credit/ debit card, then a statement from the Participant’s respective bank, reflecting the purchase, shall be accepted as proof of purchase

10. The winners of the Prize shall be the first qualifying entry randomly drawn by way of a weekly draw which will be held on 4 February 2022, 11 February 2022, 18 February 2022, 25 February 2022, 4 March 2022, 11 March 2022, 18 March 2022, 25 March 2022, 1 April 2022, 8 April 2022, 15 April 2022, 22 April 2022, 30 April 2022.

11.An independent person will monitor, verify and certify the draws and, except in so far as is provided for in the Consumer Protection Act 68 of 2008 (“CPA”), his/her decision will be final and no correspondence will be entered into in this regard

12. Winners may only claim one Prize. Winners may not have previously won a Promoter’s competition more than once in a 90-day period. Any winners drawn who have won in the last 90 days will be disqualified from the Competition and another winner will be drawn.

13. The Promoter will use reasonable effort to contact the winners telephonically. Should the winner not be able to comply with the Promoters requirements or if after any and all reasonable steps are taken in order to contact the winner, the winner cannot be contacted within a reasonable period of time, the winner’s right to the Prize will be deemed to have been waived and the Prize will be forfeited. The Promoter reserves the right to award the Prize to the next randomly drawn Participant.

14. It is the Participant’s responsibility to ensure that of all information provided by or on behalf of the Participant to the Promoters are accurate, complete and up-to-date at all times. The Promoter may refuse to award the Prize if the entry procedures or these Rules have not been adhered to or if it detects any irregularities or fraudulent practices. Any violation or attempt to violate any of the above Rules will result in the immediate disqualification of the Participant.

15. The Participant or winners, by entering the Competition and furnishing the Promoter with the requested personal information, consents to the Promoter utilising and processing his/her personal information in accordance with the Protection of Personal Information Act 4 of 2013 (“POPIA”) in order to process the Participant’s entry as stated herein as well as for any marketing and future promotions, if opted in.

16. Any personal information relating to the winner or an entrant will be used solely in accordance with the CPA and POPIA and will not be disclosed to a third party without the Participant’s prior consent.

17. By participating in the Competition, you consent to the sharing your personal information between the Promoter’s divisions and its affiliates including holding and subsidiary companies.

18. By posting any content, images, or comments on any of the Promoter’s public and/or social media platform or by sending any such content to the Promoter, a Participant consent to and gives the Promoter a world-wide royalty free licence to reproduce, modify, adapt and publish such content, images or comments for the purposes of promoting the Promoter’s products and/or services.

19. The winner will be required to sign an acknowledgement of receipt of prize and may be requested to be photographed and/or identified in any media, which is inclusive of but not limited to television, radio, print publications and online sites in which the Competition receives exposure and for future marketing initiatives with the understanding that the winner may decline such an invitation.

20. Participants enter the Competition entirely at their own risk. The Promoter and its directors, affiliates, members, partners, employees, agents, consultants, suppliers, contractors, any participating Bravo Brands store and/or its subsidiaries cannot be held responsible or liable for any accident, injury, harm or loss suffered by any person or entity as a direct or indirect result of entering the Competition or suffered as a direct or indirect result of the utilisation in any way whatsoever of the Prize won in terms of the Competition.

21. Participants hereby agree to release and indemnify the Promoter and its directors, affiliates, members, partners, employees, agents, consultants, suppliers, contractors and subsidiaries and hold it harmless against any and all losses, harm, damages, rights, claims and actions of any kind in connection with the Competition, promotion or special offer or resulting from the participation in the Competition or acceptance, possession, use or receiving of any Prize relating to the Competition, including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.

22. The Prize is non-transferable and all winner/s will have to claim their Prize within 30 days of the draw having taken place and at that time identify themselves with a valid identification document, proof of purchase and bank account confirmation letter or bank statement. The Prize will be paid via EFT (electronic funds transfer) into the winner’s nominated bank account, whereafter the Promoter shall have no further liability in respect of the Prize. Failure to claim the Prize or a refusal or inability to comply herewith will disqualify the winner and a new winner will be drawn in their place at the sole discretion of the Promoter.

23. Competition artwork is for illustrative purposes only. This Competition is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram or any other social media platform that may be used as an intermediary. The Promoter and its affiliates and service providers, are not responsible for:

23.1.incorrect and inaccurate transcription of entry information;

23.2.technical malfunction

23.3.inappropriate images and comments posted by the entry or by the public;

23.4.lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network or computer equipment or software; and/or

23.5.the inability to access any website or online services or any other error.

24.The Promoter reserves the right to amend, postpone, suspend, extend the Competition Rules if such amendment is necessary from a practical or fairness point of view. With due notice to the relevant authority, if required, the Promoter shall have the right to terminate the Competition immediately and without notice to the Participant notice for any reason beyond its control requiring this. In the event of such termination, all participants agree to waive any rights that they may have in terms of this Competition and acknowledge that they will have no recourse against the Promoter, its agents and staff.

25. In order to be eligible to win a prize, the Participant must not have issued dishonoured cheques, or have overdue payments due to the Promoter or affiliates at the time of the Competition draw. Only BBSD bed or bed set purchases paid in full will be eligible for entry into the Competition. If a Participant purchases by way of lay-by contracts, the outstanding amount must be fully paid at the time of the applicable draw. Should the Participant have returned the BBSD bed or bed set for a refund before the collection of the Prize, the Participant will forfeit the prize and a new winner will be automatically drawn.

26.The above Rules are severable. This means that if any one rule is found to be unlawful, it will be removed and the remaining Rules will still apply.