Tfg Trading System

TFG TFG Complete. TFG Complete. TFG Complete, vårt flaggskipprodukt, er en kryssaktiv eiendomsadministrasjon i sanntid og porteføljestyring for kapitalforvaltere designet for å gi institusjonell karakterteknologi gjennom en vertsbasert løsning. Den raskt distribuerte, lettkonfigurerte plattformen har fleksibilitet og brukervennlighet som kreves for å tilfredsstille enhver strategi eller investeringsstil. TFG Complete dekker alle faser av investeringsprosessen fra handelsfangst, resultatovervåking og risikostyring, gjennom å behandle og finansiere regnskapsmessig drift på en enkelt integrert plattform. Betydning av verdiene som brukes til å beregne Front office trading pl er de samme tallene som brukes ved beregning av NAV-tallet. Det er ingen rettidig avstemming mellom front - og backofficesystemer, alle prosesser finner sted på samme plattform som gir deg effektivitet, pålitelighet og integritet. I TFG er kvaliteten av programvaren vår er en klar konkurransefortrinn som vi vet dette fordi våre kunder forteller oss igjen og igjen. Vår side Den patriotiske teknologien gir toppmoderne funksjonalitet for å gi støtte for front-, mellom - og backofficefunksjoner som vanligvis er knyttet til investeringsbanker. TFG Complete kan distribueres som en vertskapsløsning. Klienter kan logge inn fra hvilken som helst Internett-skrivebord i verden Dette gjør at programvaren kan distribueres raskt og effektivt til nye kunder. Gjennomsnittlig tid for nye installasjoner er 3 måneder. Vi bruker vår kompetanse og kompetanse til å administrere programvaren, inkludert vanlige nye utgivelser og feilrettinger, slik at kundene kan konsentrere seg om å administrere sine finansiere og maksimere avkastning TFG skiller seg fra å gi fremragende service Nye kunder får direkte tilgang til utviklingslaget i løpet av ombordstigningsprosessen, og deretter jobber vi hardt med klienter for å sikre at de får det høye servicenivået de har kommet til Forventer med TFG. Risk Management. Risikostyring er kjerne for TFGs eiendomsforvaltningsplattform fra uavhengig verdsettelse gjennom Levende verdi ved risiko og stresstesting til omfattende rapportering, alle støttet av TFGs kunnskap om finansielle markeder. Front Office. TFG tilbyr en fleksibel porteføljeadministrasjonsplattform for å støtte virksomheten din, uansett handelsstrategi, er TFG Complete s live verdsettelse, risikomåling og Markedsovervåking integreres sømløst med tredjepartssystemer Vårt engasjement for service gjør at du kan være fokusert på markedene. Middle Office Tools. TFG vet hva som fungerer for et mellomkontor fordi TFG har kjørt et mellomkontor Vi vet hva som er best praksis Vi gir deg alt av verktøyene du trenger for å drive ditt mellomstore kontor så effektivt som mulig. TFG Systems er en kundeorganisasjon som lytter og reagerer på kravene til brukerne. Gjennom hele eierskapssyklusen fra TFG-programvare fra den første telefonsamtalenes forespørsel til installasjon og handel oppføring, det er et dedikert team som lytter og reagerer på dine behov. I denne seksjonen. Brosjyreforespørsel. For ytterligere informasjon, vennligst send oss ​​en e-post for å be om vår brosjyre. For å be om en demonstrasjon av TFGs porteføljesystem, vennligst kontakt oss. Telefon US 1 212 302 2220 Email. White Papers. Martin Toyer, TFG Systems, oktober 2015.Online med ditt Master eller Visa-kort. Sign opp på TFG Online og Du vil kunne betale kontoen din uansett hvor som helst på en hvilken som helst enhet ved hjelp av Master eller Visa-kreditt eller sjekkkort. I en hvilken som helst TFG-butikk. Inkludert hjemme, hjemsted, amerikansk sveitser, Charles og Keith, Colette, Donna, Duesouth, Exact Fabiani, The Fix Foschini, G-stjerne Raw, Hei, Markham, Mat mai, Neste, Sodabloc, Sportscene, Sterns og Totalsports store. An online eller ATM transfer. Setup TFG som betalingsmottaker online eller på banken din for å overføre betalingene direkte til oss TFG Bank Account Details. Bank Første National Bank Corporate Branch. Branch nummer 204109.Account nummer 5579 000 8020.Referansenummer Ditt kortnummer. Vennligst husk å endre dette nummeret dersom kortet ditt blir erstattet. Oppgi en debetordre, en Debit Order Instruction Form, og deretter faks eller skann og send skjemaet til vår kundeserviceavdeling for behandling eller ta til nærmeste butikk For faks og e-post adresser, klikk her. Kredittvilkår. Foschini-konsernet er standardvilkår for lagerkort og lay-by s. Disse vilkårene gjelder i Sør-Afrika, Namibia og Swaziland. 1 Definisjoner brukt i dette dokumentet. 1 1 For Formålet med dette dokumentet er Foschini Group TFG. I Sør-Afrika Foschini Retail Group Pty Ltd, registreringsnummer 1988 007302 07, en registrert kredittleverandør, NCRCP 36, og en autorisert Financial Services Provider. I Namibia Fashion Retailers Pty Ltd, registreringsnummer 821. I Swaziland Foschini Swaziland Pty Ltd, registreringsnummer 117 1980. Vår adresse er Stanley Lewis Center, 340 Voortrekker Road, Parow East, 7500.TFG inkluderer enhver trading divisjon av TFG, en d når det er relevant, vårt datterselskap og holdingselskap, et datterselskap av et av våre holdingselskaper og enhver person som vi overfører noen av våre rettigheter og forpliktelser i henhold til denne avtalen.1 2 TFG handler som Hjem, Homelivingspace, American Swiss, Donna, Duesouth , Exact Fix, Foschini, Markham, Matrix, Sportscene, Sterns, Totalsports, Charles og Keith, Fabiani, G-Star Raw, Neste, Mat mai, Hei Soda Block og TFG FS Nye trading divisjoner kan legges til fra tid til annen. 3 Lov betyr den nasjonale kredittloven, nr. 34 av 2005, og forskriftene, som endret.1 4 Konto betyr anlegget vi gir deg som gjør at du kan kjøpe varer, tjenester og andre valgfrie produkter på kreditt fra TFG.1 5-avtalen betyr avtalen mellom deg og oss for å gjøre kreditt tilgjengelig for deg og inkluderer Tilbudsfortegnelse og Pre-Agreement Statement Quotation og Credit Agreement samt disse Vilkår og betingelser, som endret fra tid til annen.1 6 Søknad eller søknad betyr søknaden din til oss for en Konto som kan gjøres hos noen av våre butikker, telefonisk eller på vår hjemmeside.1 7 Kort betyr det personlige kontokortet som vi utsteder til deg når du åpner en konto.1 8 Kredittfordeling betyr det maksimale beløpet vi gjør tilgjengelig for deg å få tilgang til og kan ikke overstige kredittgrensen. 1 9 Kredittgrense betyr maksimalt godkjent kredittbeløp på kontoen din. 1 10 Dag betyr en kalenderdag med mindre annet er spesifisert.1 11 Utvidet kredittplan betyr rentebærende betaling Planer på 6 12, 18, 24 seks, tolv, atten, tjuefire måneder eller lenger.1 12 Startavgift betyr et gebyr som vi kan belaste deg for å åpne kontoen.1 13 Lay-by betyr et anlegg i ditt navn, hvor vi reserverer varer som du har valgt og som du betaler for i perioder over en periode mens vi holder slike varer, som regulert av forbrukerbeskyttelsesloven 68 av 2008 CPA.1 14 Serviceavgift betyr et gebyr som kan belastes kontoen din for administrasjon og vedlikehold av kontoen din.1 15 Susp ensiv Renteplan betyr en 6-måneders rentebærende betalingsplan hvor vi ikke kan belaste deg for renter etter pkt. 12 5 nedenfor. Mobil - og elektronikkprodukter er utelukket fra denne planen.1 16 Foschini-gruppens referansesats FGRR betyr rentesatsen bestemt av TFG fra tid til annen.1 17 Vi, vi og våre betyr TFG.1 18 Du betyr kontoinnehaveren, dine eksekutorer, administratorer, forvaltere eller assigns.2 Din søknad om kreditt hos oss.2 1 Når du søker om kreditt hos oss , tilbyr du å inngå en avtale med oss ​​Vi trenger ikke å godta tilbudet Vi kan godkjenne eller avslå søknaden etter eget skjønn, underlagt loven.2 2 Opplysningene du gir til oss når du søker om en konto og når du har en konto hos oss må du være sannferdig, nøyaktig, korrekt og fullstendig.2 3 Du må ha den nødvendige juridiske kapasiteten til å inngå denne avtalen og være bundet av disse vilkårene. 2 4 Hvis vi velger å åpne en konto for deg betyr dette ikke t hat vi vil gjøre det i fremtiden Vi kan nekte å inngå ytterligere avtaler med deg Vi har rett til å trekke tilbake kredittgrensen din, eller lukke kontoen din til enhver tid.2 5 Du må gi oss 3 måneders lønnsslipp, bankopplysninger eller annet bevis på inntekt når du søker om en konto Hvis du er selvstendig næringsdrivende, kan du kun gi oss regnskap kun RSA.2 6 Hvis du kvalifiserer for en konto, vil vi gi deg et tilbud i butikken Tilbudet vil vise din Kreditt Limit, Kredittallokering, den månedlige avgiften du må betale, din rente og innskuddskrav hvis det er aktuelt. Disse er kun illustrerende verdier, beregnet som om hele beløpet er brukt på en dag og deretter tilbakebetalt over den valgte månedlig betalingsplan uten videre kjøpstransaksjoner Din faktiske månedlige avbetaling vil avhenge av den utestående saldoen på kontoen din, og planen du velger ved kjøpstidspunktet. Tilbudet må signeres og aksepteres av you.2 7 Vi kan bruke en standard kreditt-scoring eller andre automatiserte beslutningsprosesser for å avgjøre om du vil gi deg en konto.3 Din avtale med oss.3 1 Hvis kontoen din er godkjent, vil du bli gitt en Kreditt Avtale i butikken, som du må signere og beholde for dine poster.3 2 Etter at du har signert Kredittavtalen, vil du motta et kort som må signeres så snart du mottar det.3 3 Avtalen blir inngått når du motta kortet ditt og du vil være bundet av disse vilkårene. 3 4 Hvis avtalen endres, eller hvis vi endrer, opphever, erstatter eller legger til noen av betingelsene for bruk av kontoen din, vil vi varsle deg om dette ved å sende endringene til den valgte e-postadressen din eller ved å varsle deg om din månedlige erklæring Hvis du fortsetter å bruke kortet ditt etter en slik varsel, vil endringene gjelde.4 Bruk av ditt kort og konto.4 1 Du er den eneste personen som kan bruke kortet ditt kan ikke overføre det til noen annen person eller tillate andre å bruke den, men du du kan søke om et sekundært kort hvis du vil tillate en annen person å bruke kontoen din Hvis du velger dette, vil du fortsatt være ansvarlig for alle transaksjoner på kontoen.4 2 Du kan bruke kortet ditt til å kjøpe varer og tjenester fra en hvilken som helst TFG butikk Du må signere salgskupongen når du bruker kortet ditt for å bekrefte mottaket av varetjenestene. Du kan ikke få lov til å kjøpe på kontoen din hvis du ikke presenterer kortet ditt. Dine kjøp vil bli belastet kontoen.4 3 Hvis du har kort er tapt eller stjålet, må du ringe kundeservice, se klausul 22 1 nedenfor for kontaktinformasjon, så snart du oppdager tapet. Vi kan utstede et nytt kort til deg. Vi vil belaste deg et kortavgift for erstatningskort. 4 4 Din Kortet forblir vår eiendom, og vi kan når som helst kansellere, suspendere eller kreve retur av kortet ditt. 5 Hvis kontoen din er blitt brukt bedragerisk, må du rapportere dette til oss ved å sette inn et krav innen 30 tretti dager etter datoen for Ditt uttalelse gjenspeiler svindelen Ikke bruk eller før hvis du blir oppmerksom på det før denne gangen. Hvis du ikke gjør det, kan det føre til at du blir ansvarlig for de falske kjøpene som er gjort på kontoen. Vi vil be deg om å gi oss visse dokumenter for å støtte ditt krav. Du må gi Disse til oss innen 7 sju dager etter at du har lagt inn kravet ditt, eller etterforskningen kan bli stengt, og du vil bli holdt ansvarlig for kjøpene. Vi kan undersøke saken, og hvis vi konkluderer med at du ikke kjøpte s, kan vi ikke hold deg ansvarlig for de omstridte kjøpene.5 Forstå din kredittallokering.5 1 Eventuelle kjøp du gjør, er til enhver tid begrenset til beløpet på kredittallokering.5 2 Kredittallokering kan til enhver tid økes eller reduseres av oss i vår etter eget skjønn, etter å ha vurdert om du har klart kontoen din hensiktsmessig.5 3 Du kan også be om en økning eller en nedgang i kredittallokering.5 4 Vi kan etter eget skjønn bestemme oss for å forlenge terminen for utvidet kreditt Planlegg å hjelpe deg med å møte dine månedlige betalingsforpliktelser Vi vil informere deg om dette via SMS.5 5 Vi kan nekte å tillate deg å kjøpe hvis de nødvendige månedlige avdrag ikke er gjort innen forfallsdato, eller hvis du ikke møtes våre utlånskrav når som helst.5 6 Hvis du ønsker å kjøpe og du ikke har nok tilgjengelig kreditt, kan vi etter eget skjønn midlertidig øke kredittallokeringen din slik at du kan foreta ønsket kjøp. Du vil kun kunne å kjøpe på kontoen din igjen når du har betalt beløpet på ønsket kjøp og redusert din utestående saldo slik at du har kreditt tilgjengelig for deg å bruke som i din kredittallokering før den midlertidige økningen.5 7 Hvis du er en kontrakt arbeidstaker når du åpner kontoen din, eller blir kontraktsarbeider senere, kan det være begrensningsblokker plassert på kontoen din i seks måneder før kontrakten din slutter. Du må da gi oss ny ansatt Melding detaljer som gjør oss i stand til å reaktivere kontoen din Du kan kontakte kundeservice for mer informasjon.6 Årlig kredittgrenseøkning. Vi vil ikke øke kredittgrensen automatisk, med mindre du ber om dette ved å gi oss skriftlig beskjed når du åpner din Konto eller senere eller ved å ringe kundeservice Hvis du ber om en slik automatisk økning, vurderer vi kredittgrensen årlig før vi gir deg en økning. Hvis du kvalifiserer, øker vi kredittgrensen i henhold til loven. 7 Hvis din Omstendighetene forandrer seg. Hvis dine økonomiske forhold eller inntektene dine endres når som helst, eller du blir ledig, må du varsle kundeservice så snart som mulig etter at disse endringene har skjedd. 8 1 Bostedsadressen du registrerte på søknadsskjemaet og som det vises På din Kredittavtale er adressen du velger for juridiske merknader, og for eventuelle rettsprosesser som skal betjenes på deg, ditt Domicile-adresse Din e-postadresse, enten bolig, post eller elektronisk, om mulig, vil bli brukt til å videresende uttalelser, merknader eller annen kommunikasjon til deg. Hvis du ønsker å endre ditt Domicil eller e-postadresse, må du varsle kundeservice. Enhver endring til din Bostedspostadresse vil først tre i kraft 7 syv dager etter vi mottar din varsel.8 2 Hvis vi bytter vår adresse, vil vi også gi deg beskjed.9 Valgfrie produkter vi kan tilby deg.9 1 Vi kan markedsføre bestemte TFG-produkter til deg fra tid til annen Vi kan ringe deg til å markedsføre disse produkter til deg på lørdager, søndager og helligdager og utenfor foreskrevne tider Vi vil ikke gjøre dette hvis du angir på søknadsskjemaet ditt eller senere ved å varsle kundeservice om at du ikke ønsker å motta slike markedsføringsanrop.9 2 Kontofordeler .9 2 1 Kontofordeler er et valgfritt produkt, og inkluderer tapt kortbeskyttelse, dødsdekning og kontooppgjør.9 2 2 Dødsdekning og kontooppgjør er forsikringsprodukter I Sør-Afrika, Guardrisk Insurance Compa ny Limited, en autorisert leverandør av finansielle tjenester, garanterer forsikringsdekning. I Namibia, Alexander Forbes Forsikringsselskap Namibia Limited, en autorisert leverandør av finansielle tjenester, underkaster forsikringsdekning. 9 2 3 Kontooppgjør I tilfelle av dødsfall, beløper du opp til en maksimalt R2 000 to tusen rand krediteres kontoen din mot betaling av balansen på grunn av usannsynlig død, dersom du dør under 40 år og ved utilsiktet død eller naturlig død dersom du dør over 40 år gammel og 9 2 4 Dødsdekning R2 000 to tusen rand vil bli betalt for utilsiktet død, dersom du dør under 40 år, eller R2 000 to tusen rand vil bli betalt for utilsiktet død eller naturlig død hvis du dør over alder av 40 førti.9 2 5 Hvis etter utbetaling av beløpet nevnt i 9 2 3 ovenfor er gjort, er det fortsatt en balanse utestående på kontoen din, da vil boet være ansvarlig for betaling av denne balansen.9 2 6 Den separate politikken og opplysningsmelding som vil bli gitt til deg, gjelder for kontofordeler og er bindende for deg i tillegg til denne avtalen. Informasjonsbrevet og opplysningsopplysningen gir opplysninger om når og hvordan fordelene kan hevdes og av hvem og det forklarer hvordan tapte kortbeskyttelsesarbeid.9 2 7 Du bekrefter at du har fått valgfriheten ved å godta tilbudet om kontofordeler. Du har ikke blitt tvunget til å gjøre det, og kan avvise tilbudet. 9 2 8 Hvis den månedlige kontofordelingen er ikke betalt i måneden som den forfaller, vil en frist på 15 dager bli tillatt for betaling, og hvis betaling ikke er inntruffet innen denne graceperioden, vil dekning under denne policyen ende.9 2 9 Du er enig i at vi kan belaste kontoen din og samle avgiften som angitt i månedsoppgjøret. Renter kan bli belastet avgiften, hvis det er aktuelt, og vil bli oppkrævet i henhold til klausul 12 4 nedenfor. Vi beholder renten. 9 2 10 Hvor kontoen din er frossen på grunn av en sak under loven, eller fordi du har har gått under gjeldsanmeldelse, ingen gebyr vil bli fakturert og kontofordeler vil ende.10 Din månedlige erklæring.10 1 Erklæringer vil bli sendt eller e-post eller SMS d til deg med jevne mellomrom minst en gang hver 90 dag, med mindre din konto er sovende eller du kan se påstandene dine online ved å registrere deg på uttalelser vil vise følgende informasjon for hver plan på utsagnsdagen.10 1 1 alle transaksjoner knyttet til kontoen din i forrige måned og.10 1 2 gjeldende forfallsbeløp og totalbeløp og.10 1 3 alle renter og andre kostnader, belastet kontoen din i forrige måned og.10 1 4 alle betalinger som er tildelt og utestående saldo og 10 1 5 beløpet du må betale til oss innen eller før forfallsdato oppgitt på setningen.10 2 Du må sjekke hele setningen din hver måned, og hvis du bestrider et gebyr, må du gi oss beskjed innen 30 tretti dager etter datoen for erklæringen. Hvis du ikke gjør det, holder vi deg ansvarlig for alle kostnader som vises på ditt uttalelse.1 0 3 Hvis du ikke mottar påstanden din av en eller annen grunn, er du fortsatt ansvarlig for å betale noe beløp på grunn av oss i tide. Du kan alltid få informasjon om din konto og betalingsforpliktelser fra kundeservice, på vår nettside eller fra noen av våre butikker.11 Betaling av kontoen.11 1 Vi har skjønn til å bestemme hvor mye det minste månedlige beløpet som skal betales Avdrag av deg.11 2 Du må betale totalbeløpet, som vist på ditt utsagn, innen forfallsdato. 11 3 Du kan foreta betalinger i en hvilken som helst TFG-butikk, ved elektronisk overføring av penger på den måten som er angitt på ditt utsagn, ved debitering, eller online. Betalingsmåten du velger er på din risiko, og vi vil bare vurdere en betaling som er riktig gjort når vi mottar og kreditere den til kontoen din.11 4 Vi mottar kvittering til kontoen din på den dagen vi mottar dem på bankkontoen vår, og betalinger vil bli allokert i følgende rekkefølge.11 4 1 mot renter og deretter.11 4 2 mot gebyrer og kostnader og endelig.11 4 3 mot t hovedstol gjeld, som er beløpet som forfaller når varer og tjenester er kjøpt, eller valgfrie produkter faktureres i kontoen.11 5 Debetordrer. Du kan betale kontoen din med belastningsordre Du må fylle ut en egen belastningsordre instruksjon , eller du kan snakke med kundeservice for å ordne en debetordre. Du vil bli bundet til følgende vilkår og betingelser.11 5 1 Hvis bankinformasjonen din ikke er gitt nøyaktig, eller hvis de endres når som helst i fremtiden, og du feiler å varsle oss om slike endringer, eller hvis det ikke gjøres betalinger i henhold til debitasjonsinstruksjonen, vil ansvaret for betaling ligge hos deg.11 5 2 Hvis det ikke er nok penger på kontoen din for å oppfylle dine forpliktelser, er du enig i at vi kan spore kontoen din og presentere instruksjonen for betaling så snart det er nok midler tilgjengelig i kontoen din.11 5 3 Du godtar å betale bankgebyrer og gebyrer knyttet til debitordreilingen.11 5 4 Alle betalingsinstruksjoner s utstedt av oss skal behandles av banken din som om instruksjonene er utstedt av deg personlig. 11 5 5 Betalingsinstruksen kan bare kanselleres hvis du gir oss 30 tretti dager varsel, men du har ikke krav på noen refusjon av beløp som er blitt trukket tilbake mens debitasjonsautoriteten var i kraft dersom slike beløp skyldtes oss. Avbestillingen av debitordelingsinstruksjonen vil ikke avbryte avtalen med oss.11 5 6 Debitrevisjonsinstruksjonen kan ikke tildeles noen tredjedel parti, med mindre avtalen din blir avgjort eller tildelt til en tredjepart, i hvilken tilfelle avbestillingsautoriteten kan deretter bli ceded eller tildelt den tredje parten.11 5 7 Mottakelse av debitasjonsinstruksjonen av oss skal betraktes som mottak av det av banken din.12 Renter, finansavgifter og gebyrer som vi kan belaste deg for. 12 1 Vi bestemmer renten Din rente og finansiering og eller andre avgifter som vil gjelde for din konto fra tid til annen, underlagt loven.12 2 Yo du Prisen på den valgte Planen er en variabel rente knyttet til FGRR, noe som betyr at den kan endres.12 3 Vi forbeholder oss retten til å øke, redusere eller opprettholde din pris etter eget skjønn Vi kan lade maksimal rente som foreskrevet av Lov Vi vil gi deg råd om eventuelle endringer i kursen din ved en varsel på månedserklæringen innen 30 tretti dager etter en endring.12 4 Renter på begge Planer, hvis det er aktuelt, vil bli beregnet daglig på din fullstående saldo og sammensatt månedlig Renter er lagt til din utestående saldo.12 5 Rente på suspensive renteplaner.12 5 1 Hvis kontoen din ikke er i restskatt i begynnelsen av måneden, og du betaler hele avdrag på eller før forfallsdagen, som angitt i punkt 12 4 ovenfor, vil ikke bli belastet.12 5 2 Hvis du ikke betaler hele Avdrag innen forfallsdato, blir renter belastet etter punkt 12 4 ovenfor til du har oppdatert din konto.12 6 Hvis din utvidede kredittplan går i rest s, vil tilleggsrente på forfalte beløp bli belastet kontoen din til din pris. Hvis du betaler med debet, vil denne gjeldsrenten bli samlet inn med den månedlige debiteringskursen. 12 7 Vi kan belaste deg en startavgift når du åpner kontoen din, eller serviceavgift, enten månedlig eller årlig. Skulle servicegebyret endres, vil vi varsle deg skriftlig. Servicegebyret vil aldri overstige det maksimale beløpet som kan tillates under NCA for dette formål fra tid til annen.13 Juridiske og andre kostnader som du kan måtte betale.13 1 Hvis kontoen din går i restance, vil du bli belastet standardadministrasjonsgebyrer og / eller innkrevingskostnader fra det tidspunktet kontoen din går i restance, hvis ikke betalt på forfallsdagen, og for perioden som din Kontoen gjenstår i etterskudd, inkludert kostnader for post, elektronisk kommunikasjon og telefonsamtaler fra deg til å samle beløp på grunn av oss. Vi vil også belaste for telefonsamtaler og elektronisk kommunikasjon dersom de blir gjort eller sendt t e-postadressen du har oppgitt, og ikke leveres, eller hvis en telefonsvarer er igjen på telefonen. Vi kan også overlevere kontoen din til advokater eller gjeldssamlere, og du vil være ansvarlig for kostnadene i full.13 2 Hvis vi må innføre eller forsvare noen rettslige handlinger av noe slag overfor deg, vil du være ansvarlig for alle juridiske kostnader som påløper, inkludert, men ikke begrenset til, juridiske kostnader på advokat - og klientskala, innkrevingsgebyr, sporingsgebyrer og alle nødvendige utbetalinger pluss merverdiavgift på disse. Disse kostnadene belastes kontoen.14 Avslutte avtalen med oss.14 1 Du kan når som helst avslutte denne avtalen ved å gi kundeservice, i hvilket tilfelle du må betaler hele beløpet på grunn av oss før kontoen din kan lukkes.14 2 Vi kan avslutte denne avtalen hvis du ikke overholder disse vilkårene.15 Hvis du ikke betaler din konto eller overholder disse vilkårene.15 1 Hvis du ikke klarer å betale noe beløp som er forfalt, eller, du mislykkes i å overholde vilkårene i avtalen din, eller din eiendom er sekvestert, eller du går under administrasjon, eller du dør, eller du gjør en feil eller feil uttalelse eller representasjon, eller du unnlater å utlevere opplysninger om denne avtalen under søknaden din , eller gjør du noe som kan skade våre rettigheter, da.15 1 1 alle beløp som du skylder oss, vil bli forfaller og betales umiddelbart, og i tilfelle din eiendom blir sekwestrert eller du går under administrasjon, vil vi fremsette krav for hele beløpet som er utestående på kontoen din, pluss ytterligere renter og.15 1 2 uten å påta seg noe ansvar for det, kan vi varsle enhver annen person som vi mener burde vite om det.15 2 Vi kan suspendere kontoen din og gi deg 10 ti dager i varsel før du lukker kontoen din, i hvilket tilfelle du vil bli pålagt å tilbakebetale kontoen i sin helhet.15 3 Kontoen din kan bli overlevert til gjeldssamlere eller advokater for gjenoppretting av hele utestående saldo på Acco-kontoen din Unt Gjeldsinnkrevelse Juridiske gebyrer vil bli fakturert til deg Konto.15 4 Vi kan ta dommen mot deg.15 5 Vi kan ikke tillate deg å fortsette å bruke kortet.15 6 Vi kan velge å forlenge kontoen, for eksempel fra 12 tolv måneder til 24 og tyve måneder hvis vi føler at det vil hjelpe deg med å betale avdragene. Vi vil varsle deg om en slik endring via post eller elektronisk.15 7 Hvis du går under gjeldsoversikt, må du informere oss om dette umiddelbart Du vil ikke få lov til å kjøpe på din konto mens du er under gjeldsoversikt.16 Bevis på din gjeld til oss. Et sertifikat som er signert av noen av våre ledere hvis avtale og myndighet ikke behøver å bevises hvor mengden av gjeld til oss og Din sats er oppgitt, vil bli akseptert som tilstrekkelig bevis på din gjeld i noen rettssaker og vil bli ansett som riktig, med mindre du bevise at beløpet eller Din rente er feil.17 Samtykke til jurisdiksjon. I henhold til § 45 i magistrates Courts Act, 32 av 1944, samtykker du herved med at vi kan innføre noen rettssaker som har å gjøre med denne avtalen eller din konto, i magistratesretten, som enhver magistratsdomstol som har jurisdiksjon over deg, i henhold til § 28 i magistrates domstolene Lov Vi kan imidlertid velge å innføre tiltak mot deg i en hvilken som helst annen domstol som har jurisdiksjon.18 Frafalle våre rettigheter. Hvis vi av en eller annen grunn ikke har rett til å håndheve eller gjennomføre noen av våre rettigheter i henhold til denne avtalen, gjør den ikke betyr at vi har forlatt, gitt opp eller frafalt noen av disse rettighetene.19 Din personlige informasjon. I denne avtalen betyr personlig informasjon PI.19 1 Din personlige informasjon som du gir oss når du åpner kontoen din, eller som vi allerede holder om deg eller informasjon som vi kan registrere, inkludert et telefonnummer som du ringer til oss. 19 2 Informasjon vi mottar fra henvendelser vi gjør om en beslutning om søknaden din, eller på avtalen, inkludert informasjon Vi mottar fra søk gjort av oss i ditt navn med et kredittbyrå. 19 3 Informasjon om hvilken som helst konto eller kreditt livspolitikk eller kredittforsikring som du holder med eller gjennom oss.19 4 Informasjon vi mottar fra alle som har lov til å gi oss informasjon om deg i forhold til din søknad, eller konto eller kreditt livspolitikk eller kredittforsikring. 19 5 Besøk vår nettside personvernerklæring for å se vår personvernerklæring. Innholdet i personvernerklæringen må leses som om det er spesifikt innlemmet i disse vilkårene. 20 Hvordan vi behandler dine personlige opplysninger. Vi anbefaler deg at vi kan behandle PI på følgende måter.20 1 Vi vil behandle PI, inkludert etnisk informasjon, med det formål å åpne en konto hos oss, og vi kan henvende oss til andre parter for å bekrefte all informasjon du har oppgitt i søknaden din, eller når som helst når du har en konto hos oss. Ved å åpne en konto hos oss, samtykker du i at vi behandler din PI, og du fratager e noen rettigheter eller krav som du måtte ha mot oss i forbindelse med bestemmelsen av PI av eller til oss i henhold til denne Avtalen.20 2 Vi kan også vurdere dine opplysninger med andre kilder til kredittverdighet, inkludert svindelforebyggende byråer og finansinstitusjoner.20 3 Du samtykker i og samtykker i at vi kan behandle, registrere eller avsløre PI med detaljer om transaksjonene dine. 20 3 1 til enhver som jobber for oss.20 3 2 Hvis du ordner forsikring gjennom oss, til det forsikringsselskapet eller enhver organisasjon som underretter eller støtter noen av våre produkter som du holder.20 3 3 til hvilket betalingssystem som er under eller gjennom hvilket kontoen din er betalt.20 3 4 til alle du gir oss til å gi din PI til.20 3 5 hvis vi synes det er nødvendig eller kan være til nytte for deg eller hvor det er i offentlig interesse å gjøre det.20 3 6 slik at vi kan overholde gjeldende lover og regler.20 3 7 for å administrere kontoen din med oss.20 3 8 for å gi effekt å overvåke og evaluere vår virksomhet og hvor våre interesser krever re dette og.20 3 9 til enhver form for svindelforebygging, i tilfelle der du setter inn en svindelkrav hos oss.20 4 Vi kan dele positiv og negativ informasjon om deg eller din konto, inkludert eventuelle brudd på vilkårene og betingelsene av denne avtalen med andre selskaper.20 5 Vi vil fortsette å behandle PI i hele varigheten du har en konto hos oss. Vi vil bare beholde PI så lenge vi trenger eller må ved lov.20 6 Bør Kontoen din går til etterskudd når som helst. Vi kan sende PI til tredjeparts byråer og eller advokater. 20 7 Vi kan overføre våre rettigheter og forpliktelser i henhold til denne avtalen til en tredjepart uten ditt samtykke og uten varsel til deg i en slik begivenhet den tredje parten vil da behandle PI.20 8 Vi vil markedsføre våre ulike produkter og tjenester fra tid til annen, og vi kan markedsføre deg via ulike markedsføringskanaler og sosiale medier-plattformer.20 9 Du kan når som helst oppdatere din PI ved å ringe kundeservice.21 Forbrukerskap redigere informasjon og kreditt byråer.21 1 Du godtar og samtykker i at vi vil frigjøre visse av dine PI til kreditt-byråer når vi søker i sine dokumenter om deg Et kredittbyrå gir oss kredittinformasjon om deg, og en kredittpoengsum som viser kreditt verdighet De vil registrere informasjon om våre søk Vi vil også gi PI ut til dem om hvilken som helst konto du holder hos oss, inkludert informasjon om eventuelle betalinger du har gjort, eller savnet, og når kontoen din går i restance. Informasjon som de innehar, kan være knyttet til andre personer med hvem du har en finansiell forening Hvis du gir oss feilaktig eller unøyaktig informasjon eller hvis vi mistenker svindel, vil vi fortelle dem om dette.21 2 Vi vil gi deg 20 tjue virkedager varsel før du sender standard informasjon om deg til en credit bureau.21 3 The credit bureaus will share your PI and Account information with us and other companies so that we all may.21 3 1 assess applications for credit and related services.21 3 2 check your identity to prevent money laundering.21 3 3 prevent, detect or prosecute fraud and other crimes and 21 3 4 recover and trace debts.21 4 The credit bureaus will share records to help us and other companies make decisions on proposals for, and claims against insurance for you.21 5 The credit bureaus will also use PI for statistical analysis about credit and other fraud.21 6 You have the right to challenge information about you reflected at a credit bureau You have the right to contact the credit bureau to have your credit record s disclosed to you and to have inaccurate information corrected.22 General terms to take note of.22 1 Customer services can be contacted via E-mail - Post - P O Box 6020, Parow East, 7500 or Telephone - 0860 576 576.22 2 We may monitor and record all phone calls and other interactions with you.22 3 By entering into an Agreement with us, you confirm that you understand the content and the meaning of these Terms and if required, they have been explaine d to you in a language that you understand You also confirm that we have explained the risks relating to the Agreement, and your rights and obligations.22 4 You may request this document and certain other documents in Afrikaans, IsiXhosa and Sesotho.22 5 If you want copies of documents relating to your Account, we will send these to you and we may charge a fee for this.22 6 We will not be liable for anything outside of our reasonable control for example, a failure of computer systems, or power failures or any industrial action, political unrest or war, if this prevents us from providing our usual service.22 7 We will not be held liable for any loss of damage sustained by you or a third party regarding either the application for credit or this Agreement.22 8 If we cannot enforce any condition under this Agreement, it will not affect any of the other conditions in this Agreement.22 9 Except for unilateral changes which are made by us in accordance with the Act, all changes or amendments to the Agreement must either be recorded by us telephonically and thereafter verified by us in writing, or sent by mail or electronically, in order to be valid and binding.22 10 We may amend or replace these Terms at any time and you will be bound to any changes made, and in such an event, a new agreement will not automatically come into being between us.22 12 You have the right to attempt to resolve a complaint by way of alternative dispute resolution.22 13 You can file any complaints with the National Credit Regulator NCR , contact number 0860 627 627, or apply to the National Credit Tribunal.22 14 You have the right to apply to a debt counselor for debt review or to be declared over-indebted In this regard, the NCR can be contacted for debt counselors details.22 15 The Quotation and Credit Agreement and these Terms form the whole Agreement between you and us regarding your Account, which is governed by and interpreted in accordance with the laws of the Republic of South Africa, Nami bia or Swaziland as applicable.22 16 As an account customer you are automatically a member of TFG s FREE Rewards More program For details of the program and T Cs visit.23 Use of the Lay-by facility.23 1 When you choose goods for Lay-by, you will pay a deposit of 10 ten percent of the total value of the goods.23 2 You must make a minimum of one payment every month until the goods are paid for in full You may decide to pay more frequently if you wish.23 3 The total period for the Lay-by is 6 six months for jewellery, and 3 three months for all other goods We may decide to change these periods at our discretion.23 4 Each monthly payment over the 3 three or 6 six month period will be an equal share of the balance still owing after the 10 ten percent deposit has been paid.23 5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 sixty business days after end of the 3 three or 6 six month period, we reserve the right to charge you a termination penalty We will refund the total amount that you have paid us for those goods, after the deduction of the penalty, to you upon request.23 6 We may give you notice to cancel your Lay-By if you do not pay in full within the time period allowed, electronically or by telephone.23 7 No goods will be released to you until the Lay-By has been paid for in full 01 03 2016.Terms and Conditions for the Refer-a-friend New Accounts Campaign.1 These terms and conditions the Terms relate to the new accounts campaign the Campaign run by The Foschini Group TFG.2 This Campaign will run from 24 October 2016 until 15 December 2016.3 In order to participate in the campaign, a Referrer must refer family or friends to TFG, who in turn will contact them to offer them a TFG account.4 A Referrer is a TFG account holder who has referred friends or family to TFG in terms of this Campaign.5 Referrers will receive R800 00 eight hundred Rand worth of TFG vouchers the Vouchers when they refer a friend or family member, and that friend or family member applies for a TFG account, which is finally approved and opened to be hereafter called the Applicant s.6 Referrers will receive their Vouchers via e-mail.7 Referrers may refer a maximum of 10 ten family or friends, and will only get a maximum of R800 00 eight hundred rand Vouchers, despite how many Applicants open a TFG account.8 Each referral made by the Referrer will enter the Referrer into a competition draw, where they stand the chance to win one of 5 five fashion makeovers worth R4000 four thousand Rand.9 Only Referrers receiving this email directly from TFG qualify to participate in this Campaign.10 Recipients of this email may not forward it on, and if they do, they will not receive Vouchers, or be entered into the competition.11 Vouchers will be issued on 19 December 2016 for all new TFG accounts opened by friends or family up to the 15 th of December 2016, and once again on 28 February 2017 for any new TFG accounts opened by fri ends or family after 15 December 2016.12 The Applicants must apply for their TFG account using the online link in the email invitation to apply for an account, as well as enter the same email address, cellphone and surname details as those which were provided by the Referrer and that were populated in the same email, in order to enable TFG to match them back to the Referrer who then could qualify for the Vouchers.13 Applicants whose TFG accounts are finally approved and opened, will also receiveR800 00 eight hundred Rand worth of TFG vouchers the Applicant Vouchers , via email.14 Applicant Vouchers will be issued as per clause 11 above.15 Final account approval is dependent on the Applicant providing the required proof of income documents within 60 sixty days of the TFG account application If an Applicant fails to provide the necessary documentation, the account will be declined. Voucher T s C s. The Vouchers and Applicants Vouchers may be used on merchandise in any TFG stores, excluding online E-Commerce sales at sale goods, reduced priced merchandise, cell phones, laptops, tablets, navigational devices, Gift Cards or airtime purchases The Vouchers and Applicants Vouchers are non-transferable and may not be exchanged for cash or used to pay off a TFG account Vouchers and Applicants Vouchers may not be used in conjunction with any other promotional offer Vouchers and Applicants Vouchers expire on the date communicated to you on the e-mail. Vouchers and Applicants Vouchers may only be used for purchases on a TFG account and the account must be in good standing and up to date in order to qualify for Voucher and Applicants Voucher s use. Misuse of the Vouchers and Applicants Vouchers in any way constitutes fraud. Promotional Competition Rules for the Refer-a-friend Campaign Competition.1 This promotional competition is organised by Foschini Retail Group Pty Ltd registration number 1988 007302 07 , a subsidiary of The Foschini Group Limited TFG.2 In these rules, Promoter mea ns a person, who directly or indirectly promotes, sponsors, organises or conducts the promotional competition, or for whose benefit the promotional competition is promoted, sponsored, organised or conducted, which includes TFG No director, member, partner, employee, agent of, or consultant to the Promoter or any other person who directly or indirectly controls or is controlled by the Promoter, their advertising agencies, or their spouses, life partners, parents, children, brothers, sisters, business partners or associates, may enter this promotional competition.3 All participants must be resident in South Africa and be over the age of 18 years.4 Should the law or any authority terminate this promotional competition, no notice of termination shall be required In such event, all participants waive any rights and acknowledge that they shall have no claim, of any nature whatsoever against TFG, its directors, agents or employees as a result of the termination Further, TFG reserves the right to vary, postpone, suspend or cancel the competition and any prizes which have not yet been drawn, or any aspect thereof, without notice at any time and for any reason whatsoever that TFG deems is reasonable at the time.5 This competition is open to all existing TFG customers who have been directly contacted via email by TFG and invited to refer a friend or family member to open a TFG account. Qualification for the draw is as follows. a Customers must complete and submit the details of a minimum of 1 and a maximum of 10 friends or family member s details they wish to refer including their names, surnames, email address and mobile numbers on the TFG Refer-a-friend campaign web page. b The customer will receive one entry into the competition draw for each referral, up to a maximum of 10 ten , where they stand the chance to win one of 5 five makeovers to the value of R4 000 00 four thousand Rand each This will be provided to each of the winners in the form of a TFG Gift card.6 By entering t he competition you agree and understand that you may win a prize, however, there is no guarantee that you will win this prize.7 The prizes are not transferable, may not be deferred or exchanged for cash or otherwise.8 The winners will be randomly drawn from eligible entrants by an independent auditor.9 The competition will run from 24 October 2016 to 15 December 2016.10 The winners will be contacted via cell phone by 18 January 2017 The winners will need to provide valid physical addresses for delivery of the prizes.11 TFG will courier post the winners gift card to the addresses provided to them within 2-3 weeks of the winners announcement.12 The decision of the competition conductor as to the winners is final and there will be no correspondence.13 By accepting a prize or by entering this competition, you hereby indemnify TFG, its directors, agents, employees and the promoters sponsors against any damages of any nature whatsoever that anyone may suffer as a result of the prize s and or this competition, including consequential damages and economic loss.14 Failure to comply with these rules or the terms of acceptance of a prize by a winner will be deemed to be a rejection of the prize and the winner will then be disqualified from receiving the prize.15 Friends or family referred to TFG by the customer are excluded from participating in this competition. February 2017 New Accounts Drive T s C s. In order to receive R1,000 worth of discount vouchers or R1,500 if application is for an American Swiss, Sterns, home or homelivingspace account card the account application needs to be received by TFG New Accounts department in the period 6 February 19 March 2017 and activated by 2 April 2017.If the Customer applies for an account in an American Swiss or Sterns store, they will receive the following 6 vouchers. Voucher 1 R100 off R500 Valid 1 February 31 March 2017.Voucher 2 R100 off R400 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R200 off R800 Valid 1 August 31 August 2017.Voucher 6 R600 off R2000 Valid 1 September 30 September 2017 this voucher is valid at American Swiss Sterns only. If the Customer applies for an account in an home or homelivingspace store, they will receive the following 6 vouchers. Voucher 1 R200 off R1 000 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R425 off R1700 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R200 off R800 Valid 1 August 31 August 2017.Voucher 6 R500 off R2000 Valid 1 September 30 September 2017 this voucher is valid at home only or Livingspace stores only. If the Customer applies for an account in a Duesouth, Sportscene or Totalsports store, they will receive the following 6 vouchers. Voucher 1 R100 off R500 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R125 off R500 Valid 1 August 31 August 2017.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.If the Customer applies for an account in a Charles Keith, Donna, Exact, The FIX, Foschini, Mat May, Markham or Sodabloc store, they will receive the following 6 vouchers. Voucher 1 R75 off R300 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R150 off R600 Valid 1 August 31 August 2017.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.If the Customer applies for an account in a Hi store, they will receive the following 6 vouchers. Voucher 1 R50 off R200 Valid 1 February 31 March 2017.Voucher 2 R100 off R400 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R150 off R600 Valid 1 August 31 August 20 17.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.Voucher T s C s. This promotional offer may be used on merchandise the TFG stores stipulated on the vouchers excluding sale goods, reduced merchandise, cell phones, laptops, tablets, navigational devices, Gift Cards or airtime purchases This promotional offer is non-transferable and may not be exchanged for cash or used to pay off an account Only this original promotional offer will be accepted in store and may not be used in conjunction with any other promotional offer This promotional offer expires on the relevant date stated on the voucher. Lost card protection if your card is lost, stolen or fraudulently used. Death cover R2, 000 payout for accidental death if you die under the age of 40, and for natural death or accidental death if you die over the age of 40.Account Settlement A maximum amount of R2, 000 for accidental death if you die under the age of 40, and for natural death or accidental death if you die over the age of 40.SMS transaction alerts Receive an SMS everytime a purchase of R100 or more is made on your TFG account, giving you details of where, when and how much the transaction was for. Funeral Plan Benefits. Death cover of R25 000.Repatriation of mortal remains benefit a service to assist with arrangements to transport your body to your home town in SA, if you die more than 100km from where you live, provided that the death occurred in SA, Lesotho, Swaziland, Namibia, Botswana, Zimbabwe or Mozambique. Accommodation benefit to the value of R500 for 1 family member, if he she is required to identify your body at an out of town location. Legal Protection Plan. The Legal Protection Plan includes a 24 hour legal emergency benefit, basic benefit access to a legal advice line , mediation benefit and a litigation benefit. The litigation benefit gives you insurance cover up to a maximum of R25 000 per year, per membership, for certain court cases A 3 month waiting period applies. Covers you, your spouse and four dependant children under 21 years. The product is serviced by LIPCO, an authorised financial services provider. Club Klub magazine and benefits. Monthly Magazine packed with fashion, beauty, financial parenting advice. Exclusive discount offers only for subscribers. R2 million a year given away in bursaries. R170 000 monthly Superdraw with R100 000 cash first prize.24 hour medical advice line and emergency medical assistance. Death cover of R2 000, plus account settlement up to R1 500.Platinum Club magazine and benefits. R10,000 death cover, plus account settlement up to R10 000.Automatic entry into quarterly car competition. Mo nthly Club Magazine packed with fashion, beauty, financial parenting advice. Exclusive discount offers only for subscribers. R2 million a year given away in bursaries. R170 000 monthly Superdraw with R100 000 cash first prize.24 hour medical advice line and emergency medical assistance. Kids Superclub magazine and benefits incl the Club magazine with benefits. Monthly educational kids mag with stories, puzzles and competitions. Win R5 000 bursary, R1 000 credited to your account to spoil your child. Laptop to be won every quarter. Game vouchers to be won every month. Free access to a 24-hour Kids Medical Help Line. ClubX magazine and benefits. Monthly teen and young adult mag with the latest fashion trends, career advice and celeb gossip. R10 000 Bursary to be won every month. Cool prizes such a cellphones, movie tickets, TFG gift cards and more. Exclusive monthly discounts from The Fix. SoccerClub magazine and benefits. Monthly magazine with the latest PSL news, features and interviews. Win R10,000 in TFG gift cards, soccer gear, TV s, cell phones and more. Free 24 hour access to telephonic Legal Advice. SportsClub magazine and benefits. Monthly mag with the latest local and international sports news interviews. Win TFG gift cards and great prizes including trips to major sports events. Free access to a 24-hr Medical Advice help line. Balanced Life magazine and benefits. Monthly mag for women with advice on well being, style and careers.20 off doctor consultations in a nationwide network, plus spa discounts. Home Assist benefit allows 3 free call outs per year on selected electrical, plumbing, locksmith or other household services first hour free. Man magazine and benefits. Monthly mag with fashion, grooming, business, lifestyle and fitness advice. Roadside Assist benefit including towing, fuel, care hire accommodation. Win R10 000 in TFG gift cards plus cellphones, tablets and much more. LivingSpace magazine and benefits. Monthly mag with d cor, gardening, DIY, recipes and financial advice. Home Assist benefit allows 3 free call outs per year on selected electrical, plumbing, locksmith or other household services first hour free. Great discounts on flowers, spas and more. Tech magazine and benefits. Monthly 76-page glossy technology magazine. Hottest tech news, views and interviews from industry experts. Monthly prizes such as headphones, cellphones, laptops, accessories more. Terms and conditions apply to all optional products. Please see the full policy and disclosure notice for the insurance products. The Foschini Group s standard terms and conditions for store cards and lay-by s. These terms and conditions apply in South Africa, Namibia and Swaziland.1 Definitions used in this document.1 1 For the purposes of this document, The Foschini Group TFG means. In South Africa Foschini Retail Group Pty Ltd, registration number 1988 007302 07, a registered credit provider, NCRCP 36, and an authorised Financial Services Provider. In Namibia Fashion Retailers Pty Ltd, registration number 821.In Swaziland Foschini Swaziland Pty Ltd, registration number 117 1980.Our address is Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500.TFG includes any trading division of TFG, and where relevant, our subsidiary and holding companies, any subsidiary of any of our holding companies and any person to whom we transfer any of our rights and obligations under this agreement.1 2 TFG trades as Home, Homelivingspace, American Swis s, Donna, Duesouth, Exact Fix, Foschini, Markham, Matrix, Sportscene, Sterns, Totalsports, Charles and Keith, Fabiani, G-Star Raw, Next, Mat May, hi Soda Bloc and TFG FS New trading divisions may be added from time to time.1 3 Act means the National Credit Act, no 34 of 2005, and Regulations, as amended.1 4 Account means the facility that we give you that enables you to buy goods, services, and other optional products on credit from TFG.1 5 Agreement means the agreement between you and us to make credit available to you and includes the Quotation and Pre agreement Statement Quotation , and Credit Agreement as well as these Terms and Conditions Terms , as amended from time to time.1 6 Application or applying means your application to us for an Account which can be done at any of our stores, telephonically, or on our website.1 7 Card means the personal account card that we issue to you when you open an Account.1 8 Credit Allocation means the maximum amount of credit that we make availabl e for you to access and cannot exceed your Credit Limit.1 9 Credit Limit means the maximum approved amount of credit on your Account.1 10 Day means a calendar day unless otherwise specified.1 11 Extended Credit Plan means interest bearing payment Plans of 6, 12, 18, 24 six, twelve, eighteen, twenty four months or longer.1 12 Initiation fee means a fee we may charge you for opening your Account.1 13 Lay-by means a facility in your name, where we reserve goods that you have chosen and which you pay for in instalments over a period of time while we hold such goods, as regulated by the Consumer Protection Act 68 of 2008 CPA.1 14 Service fee means a fee that may be charged to your Account for administration and maintenance of your Account.1 15 Suspensive Interest Plan means a 6 six month interest bearing payment Plan where we may not charge you interest as per clause 12 5 below Cellular and electronic products are excluded from this Plan.1 16 The Foschini Group Reference Rate FGRR means the rate of interest determined by TFG from time to time.1 17 We , us and our means TFG.1 18 You means the Account holder, your executors, administrators, trustees or assigns.2 Your application for credit with us.2 1 When you apply for credit with us, you are offering to enter into an Agreement with us We do not have to accept your offer We may approve or decline your application in our sole discretion, subject to the Act.2 2 The information that you provide to us when applying for an Account, and while you have an Account with us, must be truthful, accurate, correct and complete.2 3 You must have the necessary legal capacity to enter into this agreement and be bound by these Terms.2 4 If we choose to open an Account for you, this does not mean that we will do so in the future We may refuse to enter into further agreements with you We have the right to withdraw your Credit Limit and or close you Account at any time.2 5 You must provide us with 3 months of payslips bank statements or other proof of income when you apply for an Account If you are self-employed, you may provide us with financial statements RSA only.2 6 If you qualify for an Account we will give you a Quotation in the store The Quotation will show your Credit Limit, Credit Allocation, the monthly Instalment that you will have to pay, your rate of interest, and deposit requirements if applicable These are only illustrative values, calculated as if the full amount of credit is used on one day and then repaid over your chosen monthly payment Plan, with no further purchase transactions Your actual monthly Instalment will depend on the outstanding balance on your Account, and the Plan that you select at the time of purchase The Quotation must be signed and accepted by you.2 7 We may use a standard credit-scoring or other automated decision-making system to decide whether or not to give you an Account.3 Your Agreement with us.3 1 If your Account is approved, you will be given a Credit Agreement in store, which y ou must sign and retain for your records.3 2 After you have signed the Credit Agreement you will receive a Card, which must be signed as soon as you receive it.3 3 The Agreement will be entered into when you receive your Card and you will be bound by these Terms.3 4 If the Agreement is amended, or if we change, repeal, replace or add to any of the conditions of using your Account, we will notify you of this by sending the changes to your chosen mail address, or by notifying you on your monthly Statement If you continue using your Card after such notice, the changes will apply.4 Use of your Card and Account.4 1 You are the only person who can use your Card You cannot transfer it to any other person or allow any other person to use it, however you can apply for a secondary Card if you wish to allow another person to use your Account If you choose this, you will still remain liable for all transactions on the Account.4 2 You can use your Card to purchase goods and services from any TFG st ore You must sign the sales voucher when you use your Card to confirm receipt of the goods services You may not be allowed to purchase on your Account if you do not present your Card Your purchases will be charged to you Account.4 3 If you Card is lost or stolen, you must call customer services see clause 22 1 below for contact details , as soon as you discover the loss We can issue a new Card to you We will charge you a Card replacement fee for the replacement Card.4 4 Your Card will remain our property and we may cancel, suspend or demand the return of your Card at any time.4 5 If your Account has been used fraudulently, you must report this to us by lodging a claim within 30 thirty days of the date of your statement reflecting the fraudulent use, or sooner if you become aware of it before this time Failure to do so could result in you being held liable for the fraudulent purchases made on your Account We will ask you to provide us with certain documents to support your claim You mus t provide these to us within 7 seven days of lodging your claim, or the investigation may be closed, and you will be held liable for the purchases We may investigate the matter, and if we conclude that you did not make the purchase s , we may not hold you liable for the disputed purchases.5 Understanding your Credit Allocation.5 1 Any purchases you make are at all times limited to the amount of your Credit Allocation.5 2 Your Credit Allocation may be increased or decreased at any time by us in our sole discretion, after considering whether you have managed your account appropriately.5 3 You may also request an increase or a decrease in your Credit Allocation.5 4 We may, in our sole discretion, decide to extend the term of your Extended Credit Plan to assist you with meeting your monthly payment obligations We will inform you of this via SMS.5 5 We may refuse to allow you to make a purchase if the required monthly Instalments are not made by the due date, or if you fail to meet our lend ing requirements at any time.5 6 If you wish to make a purchase and you do not have enough available credit, we may, at our discretion, temporarily increase your Credit Allocation to allow you to make the desired purchase You will only be able to purchase on your Account again when you have paid off the amount of the desired purchase, and reduced your outstanding balance so that you have credit available for you to use as per your Credit Allocation before the temporary increase.5 7 If you are a contract worker at the time of opening your Account, or become a contract worker at a later stage, there may be limits blocks placed on your Account up to 6 six months before your contract comes to an end You will then need to provide us with new employment details to enable us to re-activate your Account You can contact Customer Services for more information.6 Annual Credit Limit increase. We will not increase your Credit Limit automatically unless you request this by advising us in writing, at the time of opening your Account, or later, or by calling customer services If you request such an automatic increase, we will review your Credit Limit annually before we grant you an increase If you qualify, we will increase your Credit Limit in accordance with the Act.7 If your circumstances change. If your financial circumstances or your income changes at any time, or you become unemployed, you must notify customer services as soon as possible after these changes occur.8 1 The residential address that you recorded on the application form and as it appears on your Credit Agreement is the address that you choose for legal notices and for any court process to be served on you your Domicile Address Your mail address, whether residential, postal or electronic, if possible will be used to forward statements, notices or other communication to you If you wish to change your Domicile or mail address, you must notify customer services Any change to your Domicile mail address will only come int o effect 7 seven days after we receive your notice.8 2 If we change our Domicile Address we will also give you notice.9 Optional products that we may offer you.9 1 We may market certain TFG products to you from time to time We may call you to market these products to you on Saturdays, Sundays and public holidays and outside of prescribed times We will not do this if you indicate on your application form, or subsequently, by notifying customer services that you do not wish to receive such marketing calls.9 2 Account Benefits.9 2 1 Account Benefits is an optional product, and includes lost card protection, death cover and account settlement.9 2 2 Death cover and account settlement are insurance products In South Africa, Guardrisk Insurance Company Limited, an authorised financial services provider, underwrites the insurance cover In Namibia, Alexander Forbes Insurance Company Namibia Limited, an authorised financial services provider, underwrites the insurance cover.9 2 3 Account settlem ent In the event of your death an amount up to a maximum of R2 000 two thousand rand will be credited to your Account towards payment of the balance owing to us for accidental death, if you die under the age 40 forty , and for accidental death or natural death, if you die over the age 40 forty and.9 2 4 Death cover R2 000 two thousand rand will be paid for accidental death, if you die under the age of 40 forty , or R2 000 two thousand rand will be paid for accidental death or natural death, if you die over the age of 40 forty.9 2 5 If, after payment of the amount referred to in 9 2 3 above has been made, there is still a balance outstanding on your Account, then your estate will be liable for payment of that balance.9 2 6 The separate policy and disclosure notice that will be given to you, is applicable to Account Benefits, and is binding on you, in addition to this Agreement The policy and disclosure notice gives details on when and how the benefits may be claimed and by whom and it explains how lost card protection works.9 2 7 You confirm that you have been given the freedom of choice in accepting the offer of Account Benefits You have not been forced to do so and may reject the offer.9 2 8 If the monthly Account Benefits fee is not paid in the month in which it is due, a grace period of 15 days will be allowed for payment, and if payment is not made within this grace period, then cover under this policy will end.9 2 9 You agree that we may charge your Account and collect the fee as stated in your monthly statement Interest may be charged on the fee, if applicable, and will be levied as per clause 12 4 below We retain the interest.9 2 10 Where your Account is frozen because of proceedings under the Act, or because you have gone under debt review, no fee will be billed and Account Benefits will end.10 Your monthly statement.10 1 Statements will be mailed or E-mailed or SMS d to you periodically at least once every 90 days, unless your account is dormant or you can view your statements online by registering on Statements will show the following information for each Plan at statement date.10 1 1 all transactions relating to your Account in the previous month and.10 1 2 the current Instalment due and the total amount due and.10 1 3 all interest and other charges, charged to your Account in the previous month and.10 1 4 all payments allocated and the balance outstanding and.10 1 5 the amount you must pay to us on or before the due date stated on the statement.10 2 You must check your full statement each month and if you dispute any charge, you must advise us of this within 30 thirty days of the date of your statement If you do not do so, we will hold you liable for all charges appearing on your statement.10 3 If you do not receive your statement for any reason, you are still liable to pay any amount due to us on time You can always obtain information about your Account and payment obligations from customer services, on our website, or from any of o ur stores.11 Paying your Account.11 1 We have the discretion to decide how much the minimum monthly amount payable Instalment by you is.11 2 You must pay the total due, as shown on your statement, by the due date.11 3 You may make payments at any TFG store, by electronic funds transfer in the manner set out on your statement , by debit order, or online The payment method you choose is at your risk, and we will only consider a payment as properly made when we receive and credit it to your Account.11 4 We will receipt payments to your Account on the date that we receive them in our bank account and payments will be allocated in the following order.11 4 1 towards interest and thereafter.11 4 2 towards fees and charges and finally.11 4 3 towards the Principal Debt, which is the amount that becomes due when goods and services are purchased, or optional products are billed to your Account.11 5 Debit orders. You may pay your Account by debit order You need to com plete a separate debit order i nstruction, or you can speak to customer services to arrange a debit order You will be bound to the following terms and conditions.11 5 1 If your banking details have not been provided accurately, or if they change at any time in the future and you fail to notify us of such changes, or if payments are not made in accordance with the debit order instruction, the responsibility for payment will rest with you.11 5 2 If there are insufficient funds in your account to meet your obligations, you agree that we may track your account and re-present the instruction for payment as soon as sufficient funds are available in your account.11 5 3 You agree to pay any bank charges and fees relating to the debit order instruction.11 5 4 All payment instructions issued by us shall be treated by your bank as if the instructions have been issued by you personally.11 5 5 The debit order instruction may only be cancelled if you give us 30 thirty days notice, but you will not be entitled to any refunds of am ounts that have been withdrawn while the debit order authority was in force, if such amounts were owing to us The cancellation of the debit order instruction will not cancel your Agreement with us.11 5 6 The debit audit instruction cannot be assigned to any third party, unless your Agreement is ceded or assigned to a third party, in which event the debit order authority may then be ceded or assigned to that third party.11 5 7 Receipt of the debit order instruction by us shall be regarded as receipt thereof by your bank.12 Interest rates, finance charges and fees that we may charge you.12 1 We will determine the interest rate Your Rate and finance and or other charges that will apply to your Account from time to time, subject to the Act.12 2 Your Rate charged on your chosen Plan is a variable rate, linked to the FGRR, which means it can change.12 3 We reserve the right to increase, decrease or maintain Your Rate at our discretion We may charge the maximum rate as prescribed by the Act W e will advise you of any change to Your Rate by a notice on your monthly statement within 30 thirty days of a change.12 4 Interest on both Plans, if applicable, will be calculated on a daily basis on your full outstanding balance and compounded monthly The interest is added to your outstanding balance.12 5 Interest on Suspensive Interest Plans.12 5 1 If your Account is not in arrears at the beginning of the month, and you pay your full Instalment on or before the due date, the interest as set out in clause 12 4 above will not be charged.12 5 2 If you do not pay your full Instalment by the due date, interest will be charged as per clause 12 4 above until you have brought your Account up to date.12 6 If your Extended Credit Plan goes into arrears, additional interest on overdue amounts will be charged to your Account at Your Rate If you are paying by debit order, this arrear interest will be collected with the monthly debit order.12 7 We may charge you an Initiation fee on opening your A ccount, or Service fees, whether monthly or annually Should the Service fee change, we will notify you in writing The Service fee will never exceed the maximum amount which may be allowed under the NCA for this purpose from time to time.13 Legal and other Costs that you may have to pay.13 1 If your Account goes into arrears, you will be charged default administration charges and or collection costs from the time that your account goes into arrears, if not paid on the due date, and for the period that your account remains in arrears, including charges for mail, electronic communication and telephone calls made to from you to collect amounts due to us We will also charge for telephone calls and electronic communication if they are made or sent to a telephone number e-mail address that you have provided us with, and are not delivered, or if a voicemail is left on your phone We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.1 3 2 If we have to institute or defend any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred, including but not be limited to, legal costs on the attorney and client scale , collection charges, tracing fees and all necessary disbursements plus value added tax VAT thereon These costs will be charged to your Account.14 Ending your Agreement with us.14 1 You may end this Agreement at any time by advising customer services, in which event you will have to pay the full amount owing to us before your Account can be closed.14 2 We may end this Agreement if you fail to comply with these Terms.15 If you fail to pay your Account or comply with these Terms.15 1 If you fail to pay any amount that is due, or, you fail to comply with any conditions of your Agreement, or your estate is sequestrated, or you go under Administration, or you die, or you make any untrue or incorrect statement or representation, or you fail to disclose information regarding t his Agreement during your application, or you do anything that may prejudice our rights, then.15 1 1 all amounts owing by you to us will become due and payable immediately, and in the case of your estate being sequestrated or you going under administration, we will lodge a claim for the full amount outstanding on your account, plus further interest and.15 1 2 without incurring any liability therefor, we may notify any other person who we think should know thereof.15 2 We may suspend your Account and give you 10 ten days notice before closing your Account, in which event you will be required to repay the Account in full.15 3 Your Account may be handed over to debt collectors or Attorneys for recovery of the full outstanding balance on your Account Debt collection legal fees will be billed to you Account.15 4 We may take Judgment against you.15 5 We may not allow you to continue to use your Card.15 6 We may choose to extend the term of your Account, for example from 12 twelve months to 2 4 twenty four months if we feel that it will assist you to pay your Instalments We will notify you of such a change by mail or electronically.15 7 I f you go under Debt Review, you must inform us of this immediately You will not be allowed to purchase on your Account while under Debt Review.16 Proof of your indebtedness to us. A certificate signed by any of our managers whose appointment and authority need not be proved in which the amount of your indebtedness to us and Your Rate is stated, will be accepted as sufficient proof of your indebtedness in any legal proceedings and will be regarded as correct unless you prove that the amount or Your Rate is incorrect.17 Consent to Jurisdiction. In terms of section 45 of the Magistrates Courts Act, 32 of 1944, you hereby consent that we may institute any legal proceedings that have to do with this Agreement or your Account, in the Magistrate s Court, being any Magistrate s Court that has jurisdiction over you, in terms of section 28 of the Magi strates Courts Act We can however choose to institute action against you in any other court having jurisdiction.18 Waiving our rights. If for any reason or purpose whatsoever, we do not immediately enforce or implement any of our rights in terms of this Agreement, it does not mean that we have abandoned, given up or waived any of those rights.19 Your Personal Information. In this Agreement, Personal Information PI means.19 1 Your Personal Information that you give us when you open your Account, or that we already hold about you, or information that we may record, including any phone number from which you call us.19 2 Information we receive from enquiries we make regarding a decision on your Application, or on the Agreement, including information we receive from searches made by us in your name with any credit bureau.19 3 Information about any Account or credit life policy or credit insurance which you hold with or through us.19 4 Information we receive from anyone who is allowed to give us information about you in relation to your Application, or Account, or credit life policy or credit insurance.19 5 Visit our website privacy statement in order to view our privacy statement The contents of the privacy statement must be read as if specifically incorporated into these Terms.20 How we may process your Personal Information. We advise you that we may process your PI in the following ways.20 1 We will process your PI, including ethnic information, for the purpose of opening an Account with us and we may make inquiries to other parties to confirm any information provided by you in your application, or at any other time while you have an Account with us By opening an Account with us, you consent to us processing your PI, and you waive any rights or claims that you may have against us relating to the provision of PI by or to us in terms of this Agreement.20 2 We may also assess your information with other sources of credit worthiness including fraud prevention agencies and fin ancial institutions.20 3 You agree and consent that we may process, record or disclose your PI including details of your transactions.20 3 1 to any person working for us.20 3 2 if you arrange insurance through us, to that insurer, or any organisation which underwrites or supports any of our products which you hold.20 3 3 to any payment system under or through which your Account is paid.20 3 4 to anyone you authorise us to give your PI to.20 3 5 if we think it is necessary or may be of benefit to you or where it is in the public interest to do so.20 3 6 to enable us to comply with any applicable laws and or regulations.20 3 7 to manage your Account with us.20 3 8 to give effect to, monitor and evaluate our business and where our interests require this and.20 3 9 to any fraud prevention agency, in the case where you lodge a fraud claim with us.20 4 We may share positive and negative information about you or your Account, including any non-compliance with the terms and conditions of this Agreement, with other companies.20 5 We will continue to process your PI for the full duration that you hold an account with us We will only keep your PI for as long as we need to or have to by law.20 6 Should your Account go into arrears at any time, we may forward your PI to third party agencies and or Attorneys.20 7 We may transfer our rights and obligations under this Agreement to a third party without your consent and without notice to you In such an event the third party will then process your PI.20 8 We will market our various products and services to you from time to time and we may market to you via various marketing channels and social media platforms.20 9 You may update your PI at any time by calling customer services.21 Consumer credit information and credit bureaus.21 1 You agree and consent that we will release certain of your PI to credit bureaus when we search their records about you A credit bureau will provide us with credit profile information about you, and a credit score showing your credit worthiness They will record details of our searches We will also release PI to them about any Account that you hold with us, including information about any payments you have made, or missed and when your Account goes into arrears Information held by them may be linked to other people with whom you have a financial association If you give us false or inaccurate information or if we suspect fraud, we will tell them of this.21 2 We will give you 20 twenty business days notice before sending any default information about you to a credit bureau.21 3 The credit bureaus will share your PI and Account information with us and other companies so that we all may.21 3 1 assess applications for credit and related services.21 3 2 check your identity to prevent money laundering.21 3 3 prevent, detect or prosecute fraud and other crimes and 21 3 4 recover and trace debts.21 4 The credit bureaus will share records to help us and other companies make decisions on proposals fo r, and claims against insurance for you.21 5 The credit bureaus will also use PI for statistical analysis about credit and other fraud.21 6 You have the right to challenge information about you reflected at a credit bureau You have the right to contact the credit bureau to have your credit record s disclosed to you and to have inaccurate information corrected.22 General terms to take note of.22 1 Customer services can be contacted via E-mail - Post - P O Box 6020, Parow East, 7500 or Telephone - 0860 576 576.22 2 We may monitor and record all phone calls and other interactions with you.22 3 By entering into an Agreement with us, you confirm that you understand the content and the meaning of these Terms and if required, they have been explained to you in a language that you understand You also confirm that we have explained the risks relating to the Agreement, and your rights and obligations.22 4 You may request this document and certain other documents in Afrikaans, IsiXhosa and Sesot ho.22 5 If you want copies of documents relating to your Account, we will send these to you and we may charge a fee for this.22 6 We will not be liable for anything outside of our reasonable control for example, a failure of computer systems, or power failures or any industrial action, political unrest or war, if this prevents us from providing our usual service.22 7 We will not be held liable for any loss of damage sustained by you or a third party regarding either the application for credit or this Agreement.22 8 If we cannot enforce any condition under this Agreement, it will not affect any of the other conditions in this Agreement.22 9 Except for unilateral changes which are made by us in accordance with the Act, all changes or amendments to the Agreement must either be recorded by us telephonically and thereafter verified by us in writing, or sent by mail or electronically, in order to be valid and binding.22 10 We may amend or replace these Terms at any time and you will be bound to any changes made, and in such an event, a new agreement will not automatically come into being between us.22 12 You have the right to attempt to resolve a complaint by way of alternative dispute resolution.22 13 You can file any complaints with the National Credit Regulator NCR , contact number 0860 627 627, or apply to the National Credit Tribunal.22 14 You have the right to apply to a debt counselor for debt review or to be declared over-indebted In this regard, the NCR can be contacted for debt counselors details.22 15 The Quotation and Credit Agreement and these Terms form the whole Agreement between you and us regarding your Account, which is governed by and interpreted in accordance with the laws of the Republic of South Africa, Namibia or Swaziland as applicable.22 16 As an account customer you are automatically a member of TFG s FREE Rewards More program For details of the program and T Cs visit.23 Use of the Lay-by facility.23 1 When you choose goods for Lay-by, you will p ay a deposit of 10 ten percent of the total value of the goods.23 2 You must make a minimum of one payment every month until the goods are paid for in full You may decide to pay more frequently if you wish.23 3 The total period for the Lay-by is 6 six months for jewellery, and 3 three months for all other goods We may decide to change these periods at our discretion.23 4 Each monthly payment over the 3 three or 6 six month period will be an equal share of the balance still owing after the 10 ten percent deposit has been paid.23 5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 sixty business days after end of the 3 three or 6 six month period, we reserve the right to charge you a termination penalty We will refund the total amount that you have paid us for those goods, after the deduction of the penalty, to you upon request.23 6 We may give you notice to cancel your Lay-By if you do not pay in full within the time period allowed, electronically or by telephone.23 7 No goods will be released to you until the Lay-By has been paid for in full 01 03 2016.Terms and Conditions for the Refer-a-friend New Accounts Campaign.1 These terms and conditions the Terms relate to the new accounts campaign the Campaign run by The Foschini Group TFG.2 This Campaign will run from 24 October 2016 until 15 December 2016.3 In order to participate in the campaign, a Referrer must refer family or friends to TFG, who in turn will contact them to offer them a TFG account.4 A Referrer is a TFG account holder who has referred friends or family to TFG in terms of this Campaign.5 Referrers will receive R800 00 eight hundred Rand worth of TFG vouchers the Vouchers when they refer a friend or family member, and that friend or family member applies for a TFG account, which is finally approved and opened to be hereafter called the Applicant s.6 Referrers will receive their Vouchers via e-mail.7 Referrers may refer a maximum of 10 ten fa mily or friends, and will only get a maximum of R800 00 eight hundred rand Vouchers, despite how many Applicants open a TFG account.8 Each referral made by the Referrer will enter the Referrer into a competition draw, where they stand the chance to win one of 5 five fashion makeovers worth R4000 four thousand Rand.9 Only Referrers receiving this email directly from TFG qualify to participate in this Campaign.10 Recipients of this email may not forward it on, and if they do, they will not receive Vouchers, or be entered into the competition.11 Vouchers will be issued on 19 December 2016 for all new TFG accounts opened by friends or family up to the 15 th of December 2016, and once again on 28 February 2017 for any new TFG accounts opened by friends or family after 15 December 2016.12 The Applicants must apply for their TFG account using the online link in the email invitation to apply for an account, as well as enter the same email address, cellphone and surname details as those which w ere provided by the Referrer and that were populated in the same email, in order to enable TFG to match them back to the Referrer who then could qualify for the Vouchers.13 Applicants whose TFG accounts are finally approved and opened, will also receiveR800 00 eight hundred Rand worth of TFG vouchers the Applicant Vouchers , via email.14 Applicant Vouchers will be issued as per clause 11 above.15 Final account approval is dependent on the Applicant providing the required proof of income documents within 60 sixty days of the TFG account application If an Applicant fails to provide the necessary documentation, the account will be declined. Voucher T s C s. The Vouchers and Applicants Vouchers may be used on merchandise in any TFG stores, excluding online E-Commerce sales at sale goods, reduced priced merchandise, cell phones, laptops, tablets, navigational devices, Gift Cards or airtime purchases The Vouchers and Applicants Vouchers are non-transferable and may not be exchanged for cash or used to pay off a TFG account Vouchers and Applicants Vouchers may not be used in conjunction with any other promotional offer Vouchers and Applicants Vouchers expire on the date communicated to you on the e-mail. Vouchers and Applicants Vouchers may only be used for purchases on a TFG account and the account must be in good standing and up to date in order to qualify for Voucher and Applicants Voucher s use. Misuse of the Vouchers and Applicants Vouchers in any way constitutes fraud. Promotional Competition Rules for the Refer-a-friend Campaign Competition.1 This promotional competition is organised by Foschini Retail Group Pty Ltd registration number 1988 007302 07 , a subsidiary of The Foschini Group Limited TFG.2 In these rules, Promoter means a person, who directly or indirectly promotes, sponsors, organises or conducts the promotional competition, or for whose benefit the promotional competition is promoted, sponsored, organised or conducted, which includes TFG No director, member, partner, employee, agent of, or consultant to the Promoter or any other person who directly or indirectly controls or is controlled by the Promoter, their advertising agencies, or their spouses, life partners, parents, children, brothers, sisters, business partners or associates, may enter this promotional competition.3 All participants must be resident in South Africa and be over the age of 18 years.4 Should the law or any authority terminate this promotional competition, no notice of termination shall be required In such event, all participants waive any rights and acknowledge that they shall have no claim, of any nature whatsoever against TFG, its directors, agents or employees as a result of the termination Further, TFG reserves the right to vary, postpone, suspend or cancel the competition and any prizes which have not yet been drawn, or any aspect thereof, without notice at any time and for any reason whatsoever that TFG deems is reasonable at the time.5 This competition is open to all existing TFG customers who have been directly contacted via email by TFG and invited to refer a friend or family member to open a TFG account. Qualification for the draw is as follows. a Customers must complete and submit the details of a minimum of 1 and a maximum of 10 friends or family member s details they wish to refer including their names, surnames, email address and mobile numbers on the TFG Refer-a-friend campaign web page. b The customer will receive one entry into the competition draw for each referral, up to a maximum of 10 ten , where they stand the chance to win one of 5 five makeovers to the value of R4 000 00 four thousand Rand each This will be provided to each of the winners in the form of a TFG Gift card.6 By entering the competition you agree and understand that you may win a prize, however, there is no guarantee that you will win this prize.7 The prizes are not transferable, may not be deferred or exchanged for cash or otherwise.8 The winners will be randomly drawn from eligible entrants by an independent auditor.9 The competition will run from 24 October 2016 to 15 December 2016.10 The winners will be contacted via cell phone by 18 January 2017 The winners will need to provide valid physical addresses for delivery of the prizes.11 TFG will courier post the winners gift card to the addresses provided to them within 2-3 weeks of the winners announcement.12 The decision of the competition conductor as to the winners is final and there will be no correspondence.13 By accepting a prize or by entering this competition, you hereby indemnify TFG, its directors, agents, employees and the promoters sponsors against any damages of any nature whatsoever that anyone may suffer as a result of the prize s and or this competition, including consequential damages and economic loss.14 Failure to comply with these rules or the terms of acceptance of a prize by a winner will be deemed to be a rejection of the prize and the winner will then be disqualified fro m receiving the prize.15 Friends or family referred to TFG by the customer are excluded from participating in this competition. February 2017 New Accounts Drive T s C s. In order to receive R1,000 worth of discount vouchers or R1,500 if application is for an American Swiss, Sterns, home or homelivingspace account card the account application needs to be received by TFG New Accounts department in the period 6 February 19 March 2017 and activated by 2 April 2017.If the Customer applies for an account in an American Swiss or Sterns store, they will receive the following 6 vouchers. Voucher 1 R100 off R500 Valid 1 February 31 March 2017.Voucher 2 R100 off R400 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R200 off R800 Valid 1 August 31 August 2017.Voucher 6 R600 off R2000 Valid 1 September 30 September 2017 this voucher is valid at American Swiss Sterns only. If the Customer applies for an account in an home or homelivingspace store, they will receive the following 6 vouchers. Voucher 1 R200 off R1 000 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R425 off R1700 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R200 off R800 Valid 1 August 31 August 2017.Voucher 6 R500 off R2000 Valid 1 September 30 September 2017 this voucher is valid at home only or Livingspace stores only. If the Customer applies for an account in a Duesouth, Sportscene or Totalsports store, they will receive the following 6 vouchers. Voucher 1 R100 off R500 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R125 off R500 Valid 1 August 31 August 2017.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.If the Customer applies for an account in a Charles Keith, Donna, Exact, The FIX, Foschini, Mat May, Markham or Sodabloc store, they will receive the following 6 vouchers. Voucher 1 R75 off R300 Valid 1 February 31 March 2017.Voucher 2 R75 off R300 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R150 off R600 Valid 1 August 31 August 2017.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.If the Customer applies for an account in a Hi store, they will receive the following 6 vouchers. Voucher 1 R50 off R200 Valid 1 February 31 March 2017.Voucher 2 R100 off R400 Valid 1 April 31 May 2017.Voucher 3 R400 off R1600 Valid 1 June 30 June 2017.Voucher 4 R100 off R400 Valid 1 July 31 July 2017.Voucher 5 R150 off R600 Valid 1 August 31 August 2017.Voucher 6 R200 off R800 Valid 1 September 30 September 2017.Voucher T s C s. This promotional offer may be used on merchandise the TFG stores stipulated on the vouchers excluding sale goods, reduced merchandise, cell phones, laptops, tablets, na vigational devices, Gift Cards or airtime purchases This promotional offer is non-transferable and may not be exchanged for cash or used to pay off an account Only this original promotional offer will be accepted in store and may not be used in conjunction with any other promotional offer This promotional offer expires on the relevant date stated on the voucher.