TFG TFG Complete. TFG Complete. TFG Complete, nosso produto principal, é um cross-asset em tempo real risco e solução de gerenciamento de portfólio para gestores de ativos projetados para fornecer a tecnologia de grau institucional através de uma solução hospedada A plataforma rapidamente implantado e facilmente configurado tem a flexibilidade E facilidade de uso necessária para satisfazer qualquer estratégia ou estilo de investimento. TFG Complete abrange todas as fases do processo de investimento de captura de comércio, monitoramento de desempenho e gestão de risco, através de processamento e contabilidade de fundos executados em uma única plataforma integrada Significado os valores utilizados para calcular O seu escritório de negociação de negociação pl são os mesmos números utilizados no cálculo do seu valor de NAV Não há nenhuma reconciliação oportuna entre sistemas de front e back office, todos os processos têm lugar na mesma plataforma dando-lhe eficiência, confiabilidade e integridade de dados. Do nosso software é uma vantagem competitiva distinta, sabemos que isso porque nossos clientes nos dizem uma e outra vez Nosso p Roprietary tecnologia fornece o estado da arte funcionalidade para fornecer um nível de suporte para a frente, meio e back office funções que é mais comumente associado com investment banks. TFG Complete pode ser implantado como uma solução hospedada clientes podem fazer login em qualquer desktop na Internet no Isto permite que o software seja implantado de forma rápida e eficiente para novos clientes, o tempo médio para novas instalações é de 3 meses Nós usamos nossa habilidade e experiência para gerenciar o software, incluindo novos lançamentos regulares e correções de bugs, para que os clientes possam se concentrar no gerenciamento de seus clientes. Fundo e maximizar retornos TFG diferencia-se em dar excelente serviço novos clientes são dadas acesso directo à equipa de desenvolvimento para a duração do processo de embarque e depois disso nós trabalhamos duro com os clientes para garantir que eles recebem o alto nível de serviço que eles vieram O gerenciamento de riscos é fundamental para a plataforma de gerenciamento de ativos do TFG, desde a avaliação Valor ao vivo em risco e testes de estresse para relatórios abrangentes, todos apoiados pelo conhecimento TFG dos mercados financeiros. Front Office. TFG oferece uma plataforma de gerenciamento de portfólio flexível para apoiar o seu negócio seja qual for a sua estratégia de negociação é TFG Complete s avaliação ao vivo, medição de risco e O monitoramento de mercado se integra perfeitamente com sistemas de terceiros Nosso compromisso com o serviço permite que você permaneça focado nos mercados. Middle Office Tools. TFG sabe o que funciona para um escritório intermediário porque o TFG tem um escritório intermediário Nós sabemos o que é melhor prática Nós damos a todos vocês As ferramentas que você precisa para executar o seu escritório médio tão eficientemente quanto possível. Sistemas TFG é uma organização liderada pelo cliente, que ouve e reage às demandas de nossos usuários Ao longo do ciclo de propriedade do software TFG desde o primeiro inquérito telefônico à instalação e comércio Entrada, há uma equipe dedicada que ouvir e reagir às suas necessidades. En esta seção. Como solicitar mais informações, por favor, envie um e-mail para solicitar Nossa brochura. Para solicitar uma demonstração do sistema de carteira de TFG s entre em contato conosco. Phone US 1 212 302 2220 Email. White Papers. Martin Toyer, TFG Systems, outubro 2015.Online com o seu cartão Master ou Visa. Sign on TFG Online e Você será capaz de pagar sua conta de qualquer lugar em qualquer dispositivo usando seu cartão de crédito Master ou Visa ou check card. Em qualquer TFG store. Including casa, homelivingspace, American Swiss, Charles e Keith, Colette, Donna, Duesouth, Fabiani Exato, The Fix Foschini, G-star Raw, Oi, Markham, Mat May, Next, Sodabloc, Sportscene, Sterns e Totalsports store. An on-line ou transferência ATM. Setup TFG como um destinatário de pagamento on-line ou no seu banco para transferir os seus pagamentos para nós diretamente TFG Detalhes da conta bancária. Banco Primeiro National Bank Corporate Branch. Branch número 204109. Número de conta 5579 000 8020.Reference número Seu número de cartão. Por favor, lembre-se de alterar este número no caso de o seu cartão está a ser substituído. Configurar uma ordem de débito preencher um formulário de instrução de ordem de débito e, em seguida, fax ou digitalizar e enviar o formulário para o nosso departamento de serviços ao cliente para processamento ou levar para a sua loja mais próxima Para fax e e-mail Endereços clique aqui. Termos e Condições de Crédito. Os termos e condições padrão do Grupo Foschini para cartões de loja e lay-by. Estes termos e condições aplicam-se na África do Sul, Namíbia e Suazilândia.1 Definições utilizadas neste documento.1 1 Para o O Foschini Group TFG significa. Na África do Sul Foschini Retail Group Pty Ltd, número de registo 1988 007302 07, um credor credenciado, NCRCP 36, e um prestador de serviços financeiros autorizados. Na Namíbia Fashion Retailers Pty Ltd, o número de registro 821. Na Swazilândia Foschini Swaziland Pty Ltd, número de registro 117 1980.O nosso endereço é Stanley Lewis Center, 340 Voortrekker Road, Parow East, 7500.TFG inclui qualquer divisão de negociação da TFG, um Se for caso disso, a nossa filial e sociedades gestoras de participações sociais, qualquer filial de qualquer das nossas sociedades gestoras de participações sociais e qualquer pessoa a quem transferirmos qualquer dos nossos direitos e obrigações ao abrigo deste acordo.1 2 A TFG opera como Home, Homelivingspace, American Swiss, Donna, Duesouth , Foschini, Markham, Matrix, Sportscene, Sterns, Totalsports, Charles e Keith, Fabiani, G-Star Raw, Next, Mat May, oi Soda Bloc e TFG FS Novas divisões comerciais podem ser adicionadas de tempos em tempos. 3 Ação significa a Lei de Crédito Nacional, nº 34 de 2005, e Regulamentos, conforme alterados.1 4 Conta significa a facilidade que lhe damos que lhe permite comprar bens, serviços e outros produtos opcionais a crédito do TFG.1 5 Acordo Significa o acordo entre você e nós para disponibilizar crédito para você e inclui a Cotação e Cotação de Pré-Acordo e Contrato de Crédito, bem como estes Termos e Condições, conforme alterado de tempos em tempos.1 6 Aplicação ou aplicação significa que sua aplicação Para nós por um Conta que pode ser feita em qualquer uma de nossas lojas, telefonicamente ou em nosso website.1 7 Cartão significa o cartão de conta pessoal que emitimos quando você abre uma Conta.1 8 Atribuição de Crédito significa o montante máximo de crédito que fazemos Disponível para você acessar e não pode exceder seu limite de crédito.1 9 Limite de crédito significa o montante máximo aprovado de crédito em sua conta.1 10 Dia significa um dia de calendário, exceto se especificado de outra forma.1 11 Plano de crédito estendido significa pagamento de juros Pagamentos de 6 , 12, 18, 24 seis, doze, dezoito, vinte e quatro meses ou mais.1 12 Taxa de iniciação significa uma taxa que podemos cobrar por abrir sua conta.1 13 Lay-by significa uma instalação em seu nome, Que você escolheu e que você paga em prestações ao longo de um período de tempo enquanto nós possuímos tais bens, conforme regulamentado pela Consumer Protection Act 68 de 2008 CPA.1 14 Taxa de serviço significa uma taxa que pode ser cobrada à sua conta para a administração E manutenção da sua Conta.1 15 Susp Plano de Juros entende-se um Plano de 6 meses com pagamento de juros, onde não podemos cobrar juros conforme a cláusula 12.5 abaixo. Os produtos celulares e eletrônicos estão excluídos deste Plano.1 16 A Taxa de Referência do Grupo Foschini FGRR significa a taxa de juros determinada por TFG de vez em quando.1 17 Nós, nós e nossos meios TFG.1 18 Você quer dizer o titular da conta, seus executores, administradores, curadores ou cessionários.2 Seu pedido de crédito conosco.2 1 Quando você solicita crédito com a gente , Você está oferecendo para entrar em um acordo conosco Nós não temos que aceitar a sua oferta Podemos aprovar ou recusar o seu pedido, a nosso exclusivo critério, sujeito à Lei.2 2 As informações que você nos fornecer ao solicitar uma Conta , E enquanto você tem uma Conta conosco, deve ser verdadeira, precisa, correta e completa.2 3 Você deve ter a capacidade legal necessária para celebrar este contrato e ficar vinculado por estes Termos.2 4 Se optar por abrir uma Conta Para você, isso não significa t O que faremos no futuro Podemos recusar celebrar novos acordos com você Temos o direito de retirar seu limite de crédito e / ou fechar sua conta a qualquer momento.2 5 Você deve nos fornecer 3 meses de extratos bancários ou Outra prova de renda quando você solicita uma Conta Se você for trabalhador independente, poderá fornecer-nos apenas as demonstrações financeiras RSA.2 6 Se você se qualificar para uma Conta, lhe daremos uma Cotação na loja A Cotação mostrará seu Crédito Limite, alocação de crédito, a parcela mensal que você terá que pagar, sua taxa de juros e requisitos de depósito, se aplicável Estes são apenas os valores ilustrativos, calculados como se o valor total do crédito é usado em um dia e, em seguida, reembolsado sobre o seu escolhido Plano de pagamento mensal, sem mais transações de compra A Parcelação mensal efetiva dependerá do saldo pendente em sua Conta e do Plano que você selecionar no momento da compra A Cotação deverá ser assinada e aceita pelo Você pode usar um sistema padrão de avaliação de crédito ou outro sistema automatizado de tomada de decisão para decidir se você deve ou não dar uma Conta.3 Seu Contrato conosco.3 1 Se sua Conta for aprovada, você receberá um Crédito Acordo na loja, que você deve assinar e manter para seus registros.3 2 Depois de ter assinado o Contrato de Crédito, você receberá um Cartão, que deverá ser assinado assim que você o receber.3 3 O Contrato será celebrado quando você Receber o seu Cartão e você ficará vinculado a estes Termos.3 4 Se o Contrato for alterado, ou se mudarmos, revogarmos, substituirmos ou adicionarmos a qualquer das condições de uso de sua Conta, nós o notificaremos disso enviando as alterações Ao seu endereço de correio escolhido ou ao notificá-lo sobre sua Declaração mensal Se você continuar usando seu Cartão após essa notificação, as alterações serão aplicadas.4 Uso de seu Cartão e Conta.4 1 Você é a única pessoa que pode usar seu Cartão Você Não pode transferi-lo para qualquer outra pessoa ou permitir que qualquer outra pessoa o Você pode solicitar um Cartão secundário se desejar permitir que outra pessoa use sua Conta. Se você escolher isso, continuará a ser responsável por todas as transações na Conta.4 2 Você pode usar seu Cartão para comprar bens e serviços de qualquer TFG Loja Você deve assinar o voucher de vendas quando usar seu cartão para confirmar o recebimento dos serviços de mercadorias Você não pode ser autorizado a comprar em sua conta se você não apresentar seu cartão Suas compras serão cobradas a você Conta.4 3 Se o cartão É perdido ou roubado, você deve chamar o serviço de cliente vê a cláusula 22 1 abaixo para detalhes do contato, assim que você descobrir a perda Nós podemos emitir um cartão novo a você Nós cobraremos uma taxa de substituição do cartão para o cartão da recolocação. Card permanecerá nossa propriedade e poderemos cancelar, suspender ou exigir a devolução do seu cartão a qualquer momento.4 5 Se sua Conta tiver sido usada de forma fraudulenta, você deve reportar-nos apresentando uma reclamação dentro de 30 dias da data de Sua declaração refletindo o fraudulen T, ou mais cedo se você tomar conhecimento de que antes deste tempo Falha ao fazê-lo pode resultar em você ser responsabilizado pelas compras fraudulentas feitas em sua conta Vamos pedir-lhe para nos fornecer alguns documentos para apoiar a sua reivindicação Você deve fornecer Estes dentro de 7 dias da apresentação do seu pedido, ou a investigação pode ser fechada, e você será responsabilizado pelas compras Podemos investigar o assunto, e se concluir que você não fez a compra s, não podemos Mantê-lo responsável pelas compras em disputa.5 Entendendo sua alocação de crédito.5 1 Todas as compras que você fizer estão limitadas, em todos os momentos, à quantia de sua alocação de crédito.5 2 A alocação de crédito pode ser aumentada ou diminuída a qualquer momento por nós em nosso A critério exclusivo, após ter considerado se você gerenciou sua conta adequadamente.5 3 Você também pode solicitar um aumento ou uma redução em sua alocação de crédito.5 4 Podemos, a nosso exclusivo critério, decidir estender o prazo de seu Crédito Estendido Plano para ajudá-lo a cumprir suas obrigações de pagamento mensal Nós o informaremos por meio de SMS.5 5 Podemos recusar permitir que você faça uma compra se as Parcelas mensais necessárias não forem feitas até a data de vencimento ou se você não atender Nossos requisitos de empréstimo a qualquer momento.5 6 Se você deseja fazer uma compra e não tiver crédito disponível suficiente, poderemos, a nosso critério, aumentar temporariamente sua alocação de crédito para permitir que você faça a compra desejada Você só poderá Para comprar em sua conta novamente quando você tiver pago o valor da compra desejada e reduzido seu saldo em dívida para que você tenha crédito disponível para você usar de acordo com sua alocação de crédito antes do aumento temporário.5 7 Se você é um contrato Trabalhador no momento da abertura de sua conta, ou se tornar um trabalhador contratado em uma etapa posterior, pode haver limites blocos colocados em sua conta até 6 seis meses antes de seu contrato chegar ao fim Você precisará nos fornecer novos empregos Para que possamos ativar novamente sua conta. Você pode entrar em contato com o Atendimento ao Cliente para obter mais informações. 6 Aumento anual do limite de crédito. Não aumentaremos seu limite de crédito automaticamente, a menos que solicite isso, informando-nos por escrito, Conta, ou mais tarde, ou chamando os serviços ao cliente Se você solicitar um aumento automático, analisaremos seu limite de crédito anualmente antes de concedê-lo um aumento. Se você se qualificar, aumentaremos seu limite de crédito de acordo com a Lei. Se a sua situação financeira ou a sua renda mudar a qualquer momento, ou se tornar desempregado, deve notificar os serviços ao cliente o mais rapidamente possível após estas alterações ocorrerem. 1 O endereço residencial que registou no formulário de candidatura e tal como aparece Em seu Contrato de Crédito é o endereço que você escolheu para avisos legais e para qualquer processo judicial a ser servido em você seu Domicílio Endereço Seu endereço de e-mail, residencial, postal Ou eletrônico, se possível, será usado para encaminhar declarações, avisos ou outras comunicações para você. Se você deseja alterar seu Domicílio ou endereço de e-mail, você deve notificar o serviço ao cliente. Qualquer alteração em seu endereço de Domicílio só entrará em vigor sete dias após Receberemos sua notificação.8 2 Se mudarmos nosso Domicile Address, também lhe daremos aviso.9 Produtos opcionais que poderemos oferecer a você.9 1 Podemos comercializar certos produtos TFG de vez em quando Podemos chamá-lo para comercializar esses produtos Produtos a você aos sábados, domingos e feriados e fora dos horários prescritos Não faremos isso se você indicar em seu formulário de inscrição, ou posteriormente, notificando os serviços ao cliente que você não deseja receber essas chamadas de marketing. .9 2 1 Benefícios da conta é um produto opcional e inclui proteção de cartão perdido, cobertura de morte e liquidação de contas.9 2 2 A cobertura de morte e a liquidação de contas são produtos de seguros Na África do Sul, a Guardrisk Insurance Compa Ny Limited, um prestador de serviços financeiros autorizado, garante a cobertura do seguro Na Namíbia, a Alexander Forbes Insurance Company Namibia Limited, um prestador de serviços financeiros autorizado, garante a cobertura do seguro.9 2 3 Liquidação da conta Em caso de falecimento, O montante máximo de R $ 200.000 será creditado na sua conta para o pagamento do saldo devido a nós por morte acidental, se você morre abaixo dos 40 anos de idade e por morte acidental ou morte natural, se você morrer com mais de 40 anos E.9 2 4 Renda de morte R $ 2.000 Dois mil rands serão pagos por morte acidental, se você morrer com menos de 40 anos ou R $ 200.000 serão pagos por morte acidental ou morte natural, se você morrer por causa da morte Idade de 40 quarenta.9 2 5 Se, após o pagamento do montante referido em 9 2 3 acima, tiver ainda um saldo em dívida na sua Conta, então a sua propriedade será responsável pelo pagamento desse saldo.9 2 6 A política separada E aviso de divulgação que será dado a você, é aplicável aos Benefícios da Conta, e é obrigatório para você, além deste Acordo A política e aviso de divulgação fornece detalhes sobre quando e como os benefícios podem ser reivindicados e por quem e explica como Perda de proteção do cartão de trabalho.9 2 7 Você confirma que lhe foi dada a liberdade de escolha ao aceitar a oferta de Benefícios da Conta Você não foi forçado a fazê-lo e pode rejeitar a oferta.9 2 8 Se a taxa mensal dos Benefícios da Conta for Não pago no mês em que é devido, será concedido um período de carência de 15 dias para pagamento e, se o pagamento não for feito dentro deste período de carência, então a cobertura sob esta política terminará.9 2 9 Você concorda que podemos Cobrar sua conta e recolher a taxa como indicado em seu extrato mensal juros podem ser cobrados sobre a taxa, se aplicável, e será cobrado de acordo com a cláusula 12 4 abaixo Nós retemos os juros.9 2 10 Onde sua conta está congelada por causa de procedimentos Sob a Lei, ou porque você tem A sua declaração mensal.10 1 As declarações serão enviadas por correio ou por e-mail periodicamente pelo menos uma vez a cada 90 dias, a menos que sua conta esteja dormente Ou você pode visualizar suas declarações on-line por meio do registro em Declarações, mostrará as seguintes informações para cada Plano na data da transação.10 1 1 todas as transações relacionadas à sua Conta no mês anterior e.101 2 a parcela atual devida eo montante total devido E.10 1 3 todos os juros e outros encargos, cobrados à sua conta no mês anterior e 10.14 todos os pagamentos atribuídos e o saldo em aberto e.10.1 5 o montante que você deve pagar-nos em ou antes da data de vencimento indicada Sobre a declaração.10 2 Você deve verificar sua declaração completa de cada mês e se você contestar qualquer encargo, você deve nos avisar disso dentro de 30 trinta dias da data da sua declaração Se você não fizer isso, vamos mantê-lo responsável por Todos os encargos que aparecem na sua declaração.1 0 3 Se você não receber sua declaração por qualquer motivo, você ainda estará sujeito ao pagamento de qualquer quantia que nos seja devida a tempo Você sempre pode obter informações sobre sua Conta e obrigações de pagamento de serviços ao cliente, em nosso site ou de qualquer de nossas 11 Pagamento de sua conta.11 1 Temos o poder de decidir quanto o valor mensal mínimo a ser pago por você é 11. Você deve pagar o total devido, conforme mostrado em sua declaração, até a data de vencimento.11 3 Você Pode efetuar pagamentos em qualquer loja do TFG, por meio de transferência eletrônica de fundos, conforme estabelecido em sua declaração, por ordem de débito ou on-line. O método de pagamento escolhido é de seu risco e consideraremos apenas um pagamento como efetuado quando recebemos E creditá-lo-emos à sua Conta.11 4 Nós receberemos pagamentos à sua Conta na data em que os recebemos em nossa conta bancária e os pagamentos serão alocados na seguinte ordem.11 4 1 para juros e depois disso.11 4 2 para taxas E encargos e, finalmente, 11 4 3 para t A Dívida Principal, que é o valor que se torna devido quando os bens e serviços são comprados ou produtos opcionais são faturados em sua Conta.11 5 Ordens de débito. Você pode pagar sua Conta por ordem de débito Você precisa completar uma instrução de ordem de débito separada , Ou você pode falar com os serviços ao cliente para organizar uma ordem de débito Você estará vinculado aos seguintes termos e condições.11 5 1 Se seus dados bancários não foram fornecidos com precisão, ou se eles mudam em qualquer momento no futuro e você falha Para notificar-nos de tais mudanças ou se os pagamentos não forem feitos de acordo com a instrução de ordem de débito, a responsabilidade pelo pagamento dependerá de você.11 5 2 Se houver fundos insuficientes na sua conta para cumprir suas obrigações, você concorda que nós Poderá acompanhar a sua conta e voltar a apresentar as instruções para pagamento assim que houver fundos suficientes disponíveis na sua conta.11 5 3 Você concorda em pagar quaisquer taxas bancárias e taxas relacionadas à instrução de ordem de débito.11 5 4 Todas as instruções de pagamento S emitidos por nós serão tratados pelo seu banco como se as instruções tivessem sido emitidas por você pessoalmente.11 5 5 A instrução de ordem de débito só pode ser cancelada se você nos der 30 dias aviso prévio, mas você não terá direito a qualquer reembolso De montantes que foram retirados enquanto a autoridade de ordem de débito estava em vigor, se tais montantes nos eram devido O cancelamento da instrução de ordem de débito não cancelará seu Contrato conosco.11 5 6 A instrução de auditoria de débito não pode ser atribuída a terceiros A menos que seu Contrato seja cedido ou cedido a terceiros, caso em que a autoridade da ordem de débito poderá então ser cedida ou cedida a esse terceiro.11 5 7 A recepção da instrução de ordem de débito por nós será considerada recebida por Seu banco.12 Taxas de juros, encargos financeiros e taxas que podemos cobrar.12 1 Determinaremos a taxa de juros Sua Taxa e financiamentos e / ou outros encargos que serão aplicados à sua Conta de tempos em tempos, sujeitos à Lei.12 2 Yo Ur Taxa cobrada no seu Plano escolhido é uma taxa variável, ligada ao FGRR, o que significa que pode mudar.12 3 Reservamo-nos o direito de aumentar, diminuir ou manter Sua Tarifa a nosso critério Podemos cobrar a taxa máxima, conforme prescrito pela Ato Nós iremos informá-lo de qualquer mudança em Sua Taxa por um aviso em sua declaração mensal dentro de 30 trinta dias de uma mudança.12 4 Juros sobre ambos os Planos, se aplicável, serão calculados diariamente sobre o seu saldo devedor total e composto Mensalmente Os juros são adicionados ao seu saldo devedor.12 5 Juros sobre planos de juros suspensivos.12 5 1 Se a sua conta não estiver em atraso no início do mês e você pagar sua parcela integral em ou antes da data de vencimento, Conforme estabelecido na cláusula 12 4 acima, não será cobrada.12 5 2 Se você não pagar sua prestação completa na data de vencimento, os juros serão cobrados de acordo com a cláusula 12 4 acima até que você tenha atualizado sua Conta.12 6 Se o seu Plano de Crédito Alargado entrar em atraso S, os juros adicionais sobre os valores em atraso serão cobrados na sua conta à sua taxa Se você estiver pagando por ordem de débito, esse juro será coletado com a ordem de débito mensal.12 7 Podemos cobrar uma taxa de Iniciação na abertura de sua conta, Ou Taxas de serviço, mensalmente ou anualmente Se a taxa de Serviço mudar, nós notificaremos por escrito a taxa de Serviço nunca excederá o montante máximo que pode ser permitido sob a NCA para esse fim de tempos em tempos.13 Custos legais e outros que Você pode ter que pagar.13 1 Se a sua Conta ficar em atraso, você será cobrado encargos de administração padrão ou custos de cobrança a partir do momento que sua conta entra em atraso, se não for paga na data de vencimento e pelo período que seu Conta permanece em atraso, incluindo os encargos de correio, comunicação eletrônica e chamadas telefônicas feitas a partir de você para coletar os montantes devido a nós Também vamos cobrar por telefonemas e comunicação eletrônica se eles são feitos ou enviados Um número de telefone endereço de e-mail que você nos forneceu, e não são entregues, ou se um correio de voz é deixado em seu telefone Podemos também entregar a sua conta para os advogados ou cobradores de dívidas, e você será responsável por seus custos em Full.13 2 Se tivermos que instituir ou defender qualquer ação legal de qualquer natureza contra você, você será responsável por todos os custos legais incorridos, incluindo, mas não se limitando a, custos legais sobre a escala de advogado e cliente, taxas de cobrança, Rastreamento e todos os desembolsos necessários, acrescidos do imposto sobre o valor acrescentado IVA sobre o mesmo Estes custos serão imputados à sua Conta.14 Rescindir o seu Contrato conosco.14 1 Poderá terminar este Contrato em qualquer altura, aconselhando os serviços ao cliente, caso em que terá de Pague o valor total devido a nós antes que sua Conta possa ser fechada.14 2 Podemos terminar este Contrato se você não cumprir com estes Termos.15 Se você não pagar sua Conta ou cumprir com estes Termos.15 1 Se você não Pagar qualquer quantia devida ou, Você não cumprir com quaisquer condições de seu Contrato, ou sua propriedade é seqüestrada, ou você vai sob a Administração, ou você morre, ou você faz qualquer declaração falsa ou incorreta ou representação, ou você não divulgar informações sobre este Contrato durante a sua aplicação , Ou você fizer qualquer coisa que possa prejudicar nossos direitos, então 15.1 1 todos os valores devidos por você a nós tornar-se-á vencidos e pagáveis imediatamente, e no caso de sua propriedade que está sendo seqüestrada ou você vai sob administração, vamos apresentar uma reclamação Pelo montante total pendente em sua conta, acrescido de juros adicionais e 15.1 2 sem incorrer em qualquer responsabilidade para isso, podemos notificar qualquer outra pessoa que pensamos que deve saber disso.15 2 Podemos suspender a sua conta e dar-lhe 10 aviso de dez dias Antes de fechar a sua Conta, caso em que será obrigado a reembolsar a Conta na totalidade.15 3 A sua Conta pode ser entregue a cobradores de dívidas ou a Advogados para a recuperação do saldo total em dívida no seu Acco As taxas legais de cobrança de dívidas serão cobradas a você Conta.15 4 Podemos tomar Julgamento contra você.15 5 Não podemos permitir que você continue a usar seu cartão.15 6 Podemos optar por estender o prazo de sua Conta, por exemplo De 12 doze meses para 24 vinte e quatro meses, se acharmos que o ajudará a pagar suas parcelas. Nós o notificaremos de tal alteração por correio ou por meio eletrônico.15 7 Se você passar por Debt Review, você deve nos informar Imediatamente Você não terá permissão para comprar em sua Conta sob a Revisão da Dívida.16 Comprovante de sua dívida para nós. Um certificado assinado por qualquer de nossos gerentes cuja nomeação e autoridade não precise ser provada em que o montante de sua dívida para nós e Sua Taxa é declarada, será aceita como prova suficiente de seu endividamento em qualquer processo legal e será considerada correta, a menos que você prove que o montante ou Sua Taxa está incorreta.17 Consentimento à Jurisdição. Nos termos do artigo 45 dos Tribunais de Magistrados Act, 32 De 1944, você concorda que podemos instaurar qualquer processo judicial que tenha relação com este Contrato ou sua Conta, no Tribunal de Magistrados, sendo qualquer Tribunal de Magistrados que tenha jurisdição sobre você, nos termos do artigo 28 dos Tribunais de Magistrados Podemos, no entanto, optar por instaurar uma ação contra você em qualquer outro tribunal com jurisdição.18 Renunciar a nossos direitos. Se por qualquer razão ou propósito qualquer, não imediatamente aplicar ou implementar qualquer dos nossos direitos em termos deste Acordo, não Significam que abandonamos, renunciamos ou renunciamos a qualquer desses direitos.19 Suas Informações Pessoais. Neste Contrato, as Informações Pessoais PI significam.19 1 Suas Informações Pessoais que você nos fornece ao abrir sua Conta ou que já possuímos Você, ou informações que podemos registrar, incluindo qualquer número de telefone do qual você nos chama.19 2 Informações que recebemos de consultas que fazemos sobre uma decisão sobre sua Solicitação ou sobre o Contrato, incluindo informações Recebemos de buscas feitas por nós em seu nome com qualquer agência de crédito.19 3 Informações sobre qualquer Conta ou apólice de seguro de crédito ou seguro de crédito que você possui ou através de nós.19 4 Informações que recebemos de qualquer pessoa que tenha permissão para nos fornecer informações Sobre você em relação a sua Aplicação ou Conta, ou política de vida de crédito ou seguro de crédito.19 5 Visite nossa declaração de privacidade do site para ver nossa declaração de privacidade O conteúdo da declaração de privacidade deve ser lido como se incorporado especificamente nestes Termos. 20 Como podemos processar suas Informações Pessoais. Nós aconselhamos que possamos processar seu PI das seguintes maneiras.20 1 Processaremos seu PI, incluindo informações étnicas, com a finalidade de abrir uma Conta conosco e poderemos fazer perguntas para Outras partes para confirmar quaisquer informações fornecidas por você em seu pedido, ou em qualquer outro momento enquanto você tem uma Conta conosco. Ao abrir uma Conta conosco, você concorda com o processamento do seu PI e você E quaisquer direitos ou reclamações que você possa ter contra nós relacionados à provisão da PI por ou a nós nos termos deste Contrato.20 2 Podemos também avaliar suas informações com outras fontes de crédito, incluindo agências de prevenção de fraude e instituições financeiras.20 3 Você concorda e consente que podemos processar, registrar ou divulgar seu PI, incluindo detalhes de suas transações.20 3 1 a qualquer pessoa que trabalhe para nós.20 3 2 se você providenciar um seguro por meio de nós, a essa seguradora ou a qualquer organização que subscreva Ou suporta qualquer um dos nossos produtos que possui.20 3 3 a qualquer sistema de pagamento sob ou através do qual a sua Conta seja paga.20 3 4 a qualquer pessoa que nos autorize a dar o seu IP.20.3 5 se pensarmos que é necessário ou Pode ser benéfico para você ou quando for do interesse público fazê-lo.20 3 6 para nos permitir cumprir com quaisquer leis e / ou regulamentos aplicáveis.20 3 7 para gerenciar sua Conta conosco.20 3 8 para dar efeito Monitorar e avaliar nossos negócios e onde nossos interesses requerem Se for caso disso, no caso de apresentar uma reclamação por fraude conosco.20 4 Podemos compartilhar informações positivas e negativas sobre você ou sua Conta, incluindo qualquer não-conformidade com os termos e condições Do presente Contrato, com outras empresas.20 5 Continuaremos a processar seu PI por toda a duração de sua conta Conosco, só manteremos seu PI durante o tempo que precisarmos ou devamos fazer por lei.20 6 Sua Conta pode entrar em atraso a qualquer momento, podemos encaminhar seu PI a agências de terceiros e / ou Advogados.20 7 Podemos transferir nossos direitos e obrigações sob este Contrato para um terceiro sem seu consentimento e sem aviso prévio a você Em tal evento O terceiro processará o seu PI.20 8 Nós comercializaremos nossos diversos produtos e serviços de tempos em tempos e poderemos comercializá-lo através de vários canais de marketing e plataformas de mídia social.20 9 Você pode atualizar seu PI a qualquer momento Chamando os serviços ao cliente.21 Consumer cr Editar informações e agências de crédito.21 1 Você concorda e consente que nós liberaremos alguns de seus PI para agências de crédito quando pesquisarmos seus registros sobre você. Uma agência de crédito fornecerá informações de perfil de crédito sobre você e uma pontuação de crédito mostrando seu crédito Worthiness Eles registrarão detalhes de nossas buscas Também iremos divulgar PI para eles sobre qualquer Conta que você possui conosco, incluindo informações sobre quaisquer pagamentos efetuados ou perdidos e quando a sua Conta ficar em atraso As informações detidas por eles podem estar ligadas a Outras pessoas com quem você tem uma associação financeira Se você nos dá informações falsas ou imprecisas ou se suspeitamos de fraude, nós lhes diremos isso.21 2 Nós lhe daremos vinte dias úteis de antecedência antes de enviar qualquer informação padrão sobre você para um 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.
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