Terms And Conditions Of Sale & Granting Of Credit

Truworths Limited: Reg. no. 1940/013923/06 (if my Account is opened in South Africa); Truworths (Namibia) Limited: Reg. no. 492 (if my Account is opened in Namibia); Truworths (Swaziland) Limited: Reg. no. 108/1961 (if my Account is opened in Swaziland); and Truworths Botswana (Pty) Limited: Reg. no. CO2007/5848 (if my Account is opened in Botswana)

No. 1 Mostert Street, Cape Town, South Africa (hereafter referred to as "Truworths")

TRUWORTHS TERMS AND CONDITIONS FOR THE APPLICATION FOR, AND GRANTING OF CREDIT, AND SALE

1. Credit Agreement

1.1

I understand that a Credit Agreement, in respect of a revolving Credit Facility (my “Credit Facility”), has been concluded between myself and Truworths.

1.2

The full address of the website owner is detailed hereunder:
No. 1 Mostert Street, Cape Town, 8001.
P O Box 600, Cape Town, 8000.

1.3

I understand that the terms and conditions applicable to my Credit Agreement and to sales of merchandise by Truworths will at all times be subject to the provisions of the National Credit Act No. 34 of 2005 (the “National Credit Act”) and the Consumer Protection Act 68 of 2008 (the “Consumer Protection Act”), if applicable, and any other applicable legislation, and in the case of a conflict between any legislation and these terms and conditions the legislation will prevail.

2. Credit Limit, Account Limit and Increases

2.1

Credit Limit

My Credit Facility (my “Account”) will be allocated a maximum credit limit (“Credit Limit”) as determined by Truworths, in accordance with the requirements of the National Credit Act in South Africa, and the relevant provisions of applicable legislation in other countries. This Credit Limit will take into account my monthly disposable income after deducting all my monthly household expenses from my monthly household income (“Affordability”), which will be provided by me to Truworths at the time of the Affordability assessment. I understand that Truworths may at its discretion increase this Credit Limit temporarily in response to a request from me in order to accommodate specific purchases that would result in my exceeding this Credit Limit. I understand that the Credit Limit applicable before such temporary increase will again apply when the balance owing on my Account is less than such Limit. Truworths may increase the Credit Limit applicable to my Account either with my consent or at my request, but after consideration of the requirements of the National Credit Act, if applicable. Furthermore, my Credit Limit may automatically be increased annually, provided that I have agreed to such automatic annual increases. I understand that I must inform Truworths should my Affordability deteriorate (get worse) following my initial Affordability assessment when my Credit Limit was originally determined.

2.2

Account Limit

I understand that Truworths may in its discretion make available to me an account limit (the “Account Limit”) at a lower amount than the Credit Limit allocated to me as referred to in clause 2.1 above. This Account Limit will be made available to me, and increased and decreased from time to time at Truworths’ discretion and based on the manner in which I have conducted my Account. I understand that Truworths may in its discretion increase this Account Limit temporarily in response to a request from me, in order to accommodate specific purchases that would result in my exceeding this Account Limit. I understand that the Account Limit applicable before such temporary increase will again apply when the balance owing on my Account is less than such Limit.

3. CARD AND PAYMENT PLANS

Truworths will send me a charge card (my “Card”) which I will be responsible for. If my Card is lost or stolen, I will immediately inform my local Truworths store or contact the Customer Services Helpline on +27 (0)21 520 2300 +27 (0)21 520 2300. I may use my Card to purchase merchandise on the various payment plan(s) available in the country where my Account was opened and applicable to such merchandise as determined by Truworths in its sole discretion at the time of purchase.

 

 
 
4. INTEREST

4.1

Agreed Rate

Until the interest rate is varied in the manner described below, interest will be charged on all interest bearing payment plans I use at the rate specified in the Quotation, or in the case of accounts opened before 1 June 2007, at the rate applicable to such accounts (the “Agreed Rate”). The Agreed Rate will never exceed the applicable reference rate as defined below.

4.2

Reference

Rate I understand that if I opened my Account in South Africa, Truworths has selected the Maximum Interest Rate prescribed by the National Credit Act, or the Usury Act in the case of accounts opened before 1 June 2007, as the reference rate for purposes of determining the Agreed Rate applicable to my Account. I understand that if I opened my Account outside of South Africa the reference rate will be the maximum rate prescribed by the relevant legislation in the country where my Account was opened.

4.3

Variation in Agreed Rate

I understand that my Account has a variable interest rate, meaning that the Agreed Rates applicable to the payment plans on my Account will vary from time to time directly in accordance with changes in the applicable reference rate. Within 30 business days of any such variation, Truworths will inform me in writing, via my monthly statement of account or otherwise, of the variation, which shall be by fixed relationship to the change in the applicable reference rate. Please refer to the Maximum Interest rate charge in clause

4.4

Discounted or Waived Interest

I understand that the Agreed Rate may at Truworths’ discretion be discounted to a lower interest rate or even waived entirely on the special 6 month and selected other payment plans should these have been made available to me at Truworths’ discretion, on condition that my Account does not fall into arrears but if it does Truworths will charge interest on the Account at no more than the Maximum Interest Rate.

4.5

Preventing Interest on Arrear Accounts

I understand that interest is calculated on the daily balance owing on my Account from time to time and that I can minimise the amount of interest charged to my Account by making my payments due in full by the payment due date as specified on my monthly statement of account. I understand that if I do not make such payment by such due date, more interest will be charged.

4.6

Charging and Waiving Interest

Interest is charged and may be waived on my Account as follows:

4.6.1

Interest waived plans

4.6.1.1

I understand that if I pay the balance owing on the Account (i.e. the account total) to Truworths before the payment due date (as reflected on my monthly statement), no interest will be charged.

4.6.1.2

I further understand that if I pay the amount due (i.e. the monthly instalment) to Truworths before the payment due date, no interest will be charged for that month.

4.6.1.3

I further understand that should I not pay the amount due, or pay a lesser amount than the amount due to Truworths by the payment due date, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at no more than the Maximum Interest Rate determined in accordance with clause 4.6.3.2 below, and I may be liable for additional statutory charges.

4.6.2

Interest bearing plans

4.6.2.1

I understand that if I pay the balance owing on the Account (i.e. the account total) to Truworths before the payment due date (as reflected on my monthly statement), no interest will be charged.

4.6.2.2

I further understand that should I only pay the amount due (i.e. the monthly instalment) to Truworths, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at the Agreed Rate referred to in clause 4.1 above.

4.6.2.3

I further understand that should I not pay the amount due, or pay a lesser amount than the amount due to Truworths by the payment due date, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at no more than the Maximum Interest Rate determined in accordance with clause 4.6.3.2 below and I may be liable for additional statutory charges.

4.6.3

Interest calculation

4.6.3.1

Interest is calculated daily on a simple basis by using the following formula: The balance owing on the Account is divided by the number of days in the year, and multiplied by the applicable interest rate in accordance with my credit agreement, to determine the interest owing per day. The daily interest so determined is aggregated for the period between the dates of the previous and current monthly statements and added to the balance owing on the Account on the date of the current monthly statement.

4.6.3.2

The National Credit Act stipulates the Maximum Interest Rate that may be charged in South Africa with reference to the repo rate, which is determined from time to time by the SA Reserve Bank.

 
5. STATEMENTS, PAYMENTS AND DEFAULT

5.1

Statements

Truworths will send to the postal address specified in either the Quotation or the Application, or to such changed address as I may subsequently have notified Truworths, a monthly statement of account which amongst other information will set out the balance owing as at the statement date, the monthly instalment, the amount of interest payable, the payment due and the payment due date. The balance owing comprises the cost of purchases made on my Account as reflected on the invoices issued to me at the time of purchase, together with any permissible and agreed interest, initiation fees, service fees, insurance premiums, default administration costs and collection costs that may be charged to my Account less any payments made on or credits passed to my Account. The payment due is the monthly instalment (determined with reference to the payment plan(s) applicable to my Account) plus any arrear amounts together with interest and permissible fees charged thereon.

5.2

Payments

5.2.1

I agree that payments on my Account can only be made in the country in which my Account was opened. I agree to pay Truworths no less than the payment due each month, without set-off or deduction, on or before the payment due date and I confirm that I will not be entitled to attach any condition to any payment made to Truworths. Truworths will credit each payment that I make on my Account as of the date of receipt of such payment as follows: firstly to satisfy any due or unpaid interest charges, secondly to satisfy any due or unpaid fees, costs or charges and thirdly to reduce the amount of the principal debt.

5.2.2

I shall have the option, should I have a savings, transmission or cheque account, to apply for a debit order for payment of the amount due to Truworths each month. The debit order shall state that payment is to be deducted any day of the month as chosen by me. Truworths reserves the right to re-present the debit order for payment to my bank even on the days not stipulated by me in the debit order until such time as my obligations are met.

5.3

Default and Termination

5.3.1

I agree that I will be in default under this agreement if:

5.3.1.1

I fail to pay at least 90% of the amount payable on due date.

5.3.1.2

My Account thereafter remains in arrears for more than 30 consecutive days which will occur unless I pay at least 90% of the amount due on the next payment date.

5.3.2

If I fail to comply with the terms of this agreement or if my estate is sequestrated if I die or if I am in default of my obligations with Truworths as defined in clause 5.3.1 above, then:

5.3.2.1

All amounts owing by me to Truworths may become immediately due and payable.

5.3.2.2

Truworths may suspend my Credit Facility.

5.3.2.3

Truworths may reduce my Credit Limit and/or Account Limit without notice to me.

5.3.3

Truworths may further, upon 20 business days' notice, terminate my Credit Facility and subject to the relevant provisions of the National Credit Act, if applicable, may require immediate payment of the balance owing on my Account.

 
6. CELLULAR PURCHASES

6.1

Cellphone and cellular accessory purchases on my Truworths Account will only be allowed after six (6) months from the date of opening the account and only if Truworths merchandise has been purchased regularly on such account.

6.2

To the extent permitted by law, whilst there is still any amount owing in respect of any cellphone(s) purchased on my Truworths Account, the cellphone(s) may on the instruction of Truworths to the service provider be disconnected should the payment due on my Account not be made by the applicable payment due date. Once outstanding payments have been made in full the cellphone(s) purchased on my Truworths Account can be reconnected at my request and subject to the payment of any reconnection fee that may be charged by the service provider.

6.3

Cellphones may only be purchased on the six (6) month interest bearing payment plan.

6.4

I acknowledge that cellphones and cellular accessories will only be sold in certain stores and in certain countries to be determined at Truworths’ sole discretion.

 
7. UNAUTHORISED PURCHASES ON MY ACCOUNT

I understand that one of the benefits to which I am currently entitled through payment of the annual service fee is the Fraud Protection Benefit. The Fraud Protection Benefit covers me against any unauthorised and/or fraudulent purchases on my Account. Provided that I have reported such purchase(s), Truworths will not hold me liable unless my signature appears on the invoice or other proof of purchase or Truworths can establish that I authorised or was responsible for the purchase(s).
 
8. ACCOUNT BALANCE PROTECTION

Truworths may at its discretion make the Account Balance Protection Insurance a mandatory condition of having a Truworths Account. In this instance I may exercise my right to substitute the Truworths Account Balance Protection Insurance policy with one of my own similar policies, provided I furnish proof to the satisfaction of Truworths that Truworths is recorded as the loss payee in my policy.

If I have the Truworths Account Balance Protection Insurance I agree to be bound to the terms and conditions of the relevant insurance policy which is available at the point of sale as well as on the Truworths website. Truworths will debit my Account each month with the premium payable in terms of the Account Balance Protection Insurance. Confirmation of such insurance and policy details will be sent to me by the Insurer.

 
9. CONFIDENTIAL AND PERSONAL INFORMATION

9.1

I agree that Truworths may request and receive any of my confidential and consumer credit information from any credit bureau, other register or any third party at any time, including requesting a bureau score and confirming that this consent also covers such information that has already been received by Truworths. Truworths may also share this confidential and consumer credit information (including information regarding non-compliance with my obligations under my Agreement) as well as any information regarding my Account, including my Application, opening and closing of my Account, with any other credit provider and credit bureau for, amongst other things, the purposes of such credit bureau sharing such information with other potential credit providers and credit bureau. I understand that the credit bureau provides to credit providers a profile, and possibly a score as to my creditworthiness, based on the information Truworths shares with such bureau.

9.2

I understand that my confidential and consumer credit information may be used by Truworths for marketing and ancillary purposes and for risk and analytical evaluation and scoring and the general purposes of the Truworths’ business.

 
10. CREDIT BUREAUS

10.1

Truworths may disclose my confidential and consumer credit information as set out above, to the credit bureaus, including the following:

10.1

Truworths may disclose my confidential and consumer credit information as set out above, to the credit bureaus, including the following:

10.1.1

Compuscan

Tel: +27 (0)21 888 6000 +27 (0)21 888 6000
Fax: +27 (0)21 883 2336
E-mail: info@compuscan.co.za
Physical Address: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
Postal Address: PO Box 1028, Stellenbosch, 7599, South Africa

10.1.2

Experian

Tel: +27 (0)11 799 3400 +27 (0)11 799 3400 or 086 110 5665
Fax: +27 (0)11 707 6700/6786
E-mail: info@experian.co.za or morpheus@experian.co.za
Physical Address: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
Postal Address: PO Box 98183, Sloan Park, 2152, South Africa

10.1.3

TransUnion

Tel: 0861 482 482
Fax: +27 (0)11 388 2454
E-mail: creditbureau@transunion.co.za
Physical Address: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
Postal Address: PO Box 4522, Johannesburg, 2000, South Africa

10.1.4

XDS

Tel: +27 (0)11 645 9100 +27 (0)11 645 9100
Fax: +27 (0)11 484 6588
E-mail: info@xds.co.za
Physical Address: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
Postal Address: PO Box 30987, Braamfontein, 2017, South Africa

10.1.5

South African Fraud Prevention Services

Helpline: 0860 101 248
Tel: +27 (0)11 867 2234 +27 (0)11 867 2234
Fax: +27 (0)11 867 2315
E-mail: safps@safps.org.za
Physical Address: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
Postal Address: PO Box 2629, Alberton, 1450, South Africa

and such other credit bureaus that Truworths may engage from time to time.

10.2

I understand that I may at any time contact any credit bureau and request that my consumer credit information be disclosed to me. I may further challenge any information held by the credit bureau that I believe is incorrect

10.3

Truworths may also provide my confidential and consumer credit information and shopping patterns to its associated companies or agents and to any party concerned with the prevention of and protection against crime.

10.4

I understand that in terms of the South African money laundering legislation, Truworths has a duty to report suspicious or unusual transactions involving unlawful activities in accordance with the obligations placed on business in this regard.

11. MERCHANDISE RETURNS
 

11.1

Returns and Exchanges

Truworths will allow me to return or exchange an item of merchandise within 30 days from date of purchase provided that:

11.1.1. The original invoice or gift receipt is presented on return as proof of purchase.
11.1.2. The price (swing) ticket is attached.
11.1.3. The item has not been worn or used.
11.1.4. The item is in its original condition and packaging.
11.1.5. Items sold with promotional gifts are returned together with the gift.
11.1.6. The item is returned in the country of purchase.

11.2

Refunds

Truworths will allow a full refund in the original method of tender or process a credit on a Truworths Account provided that:

11.2.1. All criteria in section 11.1 are met.
11.2.2. The credit card holder and relevant card are present for a credit card refund.
11.2.3. No refund can be processed in the case of a gift receipt being presented unless the original invoice is presented at the same time.

11.3

However, in addition to fulfilling the conditions in section 11.1 and 11.2, I note that:

11.3.1. Jewellery, watches (with guarantee) and sunglasses must be returned to a store with a fine jewellery department within 14 days.
11.3.2. Swimwear must have the protective strip attached.
11.3.3. Cellphones must be returned to a store with a cellphone counter and are subject to MTN’s Returns Policy.
11.3.4. All cosmetics and fragrances must be returned to a store that has a cosmetics department that stocks that brand.

11.4

Non-returns

No returns of underwear, gift cards, prepaid cellular airtime or body piercing jewellery (including earrings) will be permitted.

11.5

Defective Merchandise

Merchandise with material manufacturing faults will gladly be credited or exchanged provided that:

11.5.1. Such merchandise is returned to Truworths within six (6) months of my having taken delivery.
11.5.2. I can provide proof of purchase.
11.5.3. The merchandise is returned within the country of purchase.
11.5.4. The merchandise has been used for its intended purpose.
11.5.5. The item must have been cared for according to the wash/care instruction label.

For the full Returns Policy please visit www.truworths.co.za

 
12. ACCOUNT FEES AND COSTS

12.1

I understand that Truworths will charge me an annual service fee for routine administration costs and this currently entitles me to the Fraud Protection Benefit. The fee payable at the relevant time will be specified in the Quotation and/or otherwise notified to me in writing. The fee is non-refundable and will be debited to my Account once each year when it will accrue to Truworths in full. At Truworths’ discretion the annual service fee may be increased from time to time provided that it will not exceed the maximum as prescribed by the National Credit Act, if applicable. The annual service fee may from time to time be waived at Truworths’ sole discretion.

12.2

Truworths reserves the right to charge me an initiation fee upon opening my Account (the amount of which will be specified in the Quotation and may be paid by me upfront instead of being added to my balance owing).

12.3

Truworths reserves the right to charge me:

12.3.1

Interest waived plans

12.3.2

A default administration charge should my Account be in arrears or should I be in breach of this agreement, and any collection costs that Truworths may incur in enforcing my monetary obligations under this agreement including legal charges which will not exceed those allowed by the Attorneys Act, Supreme Court Act, Magistrates Court Act and the Debt Collectors Act, if applicable. These fees, charges and costs will not be higher than as permitted by the National Credit Act, if applicable.

12.3.3

All costs associated with the handing over of my Account to a debt collection agency for recovery of amounts in arrears.

12.3.4

transaction-based service fee may be charged by Truworths and debited to my Account for cheques issued by me and returned by the bank for whatever reason or for debit orders that are not processed by the bank due to a lack of funds.

13. MISCELLANEOUS PROVISIONS

13.1

I choose my residential address as stated on the Quotation or my Application (or such different address specified by me in terms of clause 13.2) for receiving any legal documentation. With regard to this Agreement and all transactions with Truworths, South African law applies.

13.2

I will immediately advise Truworths of any change in my contact details including but not limited to my business, postal or residential addresses, my home, work or my cellphone number(s), and my e-mail address.

13.3

If I had a previous Truworths Account and closed it within three years of applying for a new Truworths Account, then Truworths reserves the right to withdraw any promotional offers linked to the new Account.

13.4

If I am married in community of property I confirm that I have obtained the permission of my spouse to open this Account and to accept increases in the Credit Limit and/or Account Limit applicable to my Account.

13.5

Truworths and any of its authorised agents will be entitled to monitor and/or record my telephone or cellphone conversation(s) that I have with any of their employees for the purposes of training, collections or future reference.

13.6

Any data about me to which Truworths becomes entitled in terms of this agreement can be made available to any prospective purchaser or transferred to any party should Truworths either sell its business to such party or if such party obtains control over Truworths.

13.7

Any latitude or indulgence granted to me by Truworths will not be deemed to be a waiver of Truworths’ rights in terms of this Credit Agreement.

14. ACCOUNT DISPUTES AND COMPLAINTS

14.1

I may, at any time, refer a complaint regarding this Agreement to an alternative dispute resolution agent, consumer court or refer a dispute regarding this Credit Agreement to the Credit Ombud, the National Consumer Commission or the National Credit Regulator if my Account was opened in South Africa, or to any relevant body or regulator in the country in which I opened my Account.

The Credit Ombud can be contacted on:
Tel: 0861 OMBUDS (0861 662837) Fax: 086 683 4644
E-mail: ombud@creditombud.org.za
Physical Address: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Postal Address: PO Box 805, Pinegowrie, 2123, South Africa
Website: www.creditombud.org.za

14.2

Should I have a query regarding the correctness of my monthly statement of account or dispute regarding any merchandise purchases or other transactions reflected on it, I will notify Truworths within 60 days of the date of that particular statement.

15. DEBT COUNSELLING

This clause is only applicable to accounts opened in South Africa. I confirm that at the time of applying for my Truworths Account my state of indebtedness was not under evaluation or debt review by a debt counsellor as envisaged in section 86 of the National Credit Act. I understand that I may at any time consult a debt counsellor to assist me with my debt management.

The process to be followed is:

15.1

Contact any debt counsellor.

15.2

Pay the prescribed fee and fill out the form provided by the debt counsellor.

15.3

The debt counsellor will conduct a debt review and make a ruling on whether the granting of this Credit Facility was reckless.

15.4

If I was not over-indebted at the time that this Credit Facility was concluded, then the debt counsellor will terminate the review process and my obligations to Truworths will continue.

15.5

If I was over-indebted when this Credit Facility was granted, then the debt counsellor will make a recommendation and refer it to the relevant Court or Tribunal for the agreement to be declared reckless.

15.6

If I am not over-indebted, but the debt counsellor believes that I will have difficulties satisfying my debt, then the debt counsellor may suggest that Truworths and I voluntarily consider and agree on a debt rearrangement plan.

 
16. PARTIES AND SCOPE OF AGREEMENT

16.1. I understand that:
16.1.1. The credit grantor in terms of this Credit Agreement:
16.1.1.1. if I opened my Account in South Africa is Truworths Limited (registration number 1940/013923/06), which is a registered credit provider under the number NCRCP45;
16.1.1.2. if I opened my Account in Namibia is Truworths (Namibia) Limited (registration number 492);
16.1.1.3. if I opened my Account in Swaziland is Truworths (Swaziland) Limited (registration number 108/1961);
16.1.1.4. if I opened my Account in Botswana is Truworths Botswana (Pty) Limited (registration number CO2007/5848); of No. 1 Mostert Street, Cape Town, South Africa (referred to in this document as “Truworths”).
16.1.2. I am the consumer/credit receiver and my addresses are as furnished by me on the Quotation or the Application or subsequently amended by me by written notification to Truworths.
16.1.3. No amount has been, or is required to be, paid by me as an initial payment (i.e. as a deposit) in terms of the Credit Agreement.
16.1.4. The Credit Agreement relates to the fashion apparel and accessories, including jewellery, cosmetics and cellular products and/or any other products or services, described in the invoices issued to me following purchases made by me in Truworths stores and/or on the Truworths website.

16.2. I confirm that I have the legal capacity to enter into this Agreement.
 
17. Early Settlement

I understand that I may at any time settle my Credit Agreement with Truworths early by paying to Truworths the settlement amount owing at the date of settlement. The settlement amount consists of the unpaid principal debt (which amount is the balance owing excluding interest and other charges on my statement) together with any interest or other charges accrued up to the settlement date.
 
18. ACCOUNT TERMINATION BY CONSUMER

I understand that I may at any time terminate my Credit Agreement with Truworths by paying to Truworths the settlement amount (as referred to above) owing on my Account at the date of termination. If no such amount is owing I understand that I must notify Truworths of my intention to terminate the Credit Agreement.
 
19. CREDIT LIMIT AND/OR ACCOUNT LIMIT STIPULATIONS BY CONSUMER

I understand further that by written notice to Truworths I may at any time reduce the Credit Limit and/or Account Limit applicable to my Credit Facility, or stipulate the Credit Limit and/or Account Limit that I am prepared to accept on the Credit Facility.
 
20. AMENDMENTS TO AGREEMENT

Truworths may upon written notice of at least 5 (five) business days amend these terms and conditions provided that such changes reduce my liability under my Credit Agreement with Truworths, and/or automatically increase the Credit Limit applicable to my Credit Facility once annually if so elected by me. Any other changes to my Credit Agreement shall be by mutual agreement between me and Truworths and shall be recorded in writing.
 
21. CESSION OF AGREEMENT

Truworths shall be entitled, without my knowledge, to cede (transfer) any of its rights and delegate (transfer) any of its obligations in terms of this Credit Agreement to any third party.
 
22. DISCLOSURE IN RESPECT OF AGREEMENTS CONCLUDED BEFORE 1 JUNE 2007

If my Credit Agreement was entered into before 1 June 2007 it is recorded that because the credit granted to me was in the nature of a revolving Credit Facility, the following information is not currently known nor can it be determined in advance:

22.1

The selling price of all the merchandise that will be sold to me by Truworths over the duration of this revolving Credit Facility.

22.2

The amount of the other charges referred to in this document that will form part of the balance owing by me.

22.3

The relevant part of the balance owing by me that constitutes the principal debt.

22.4

The amount of the interest or finance charges to be charged on the relevant part of the balance owing by me in terms of clause 4 of this document.

22.5

The rate of interest to be charged, otherwise known as the annual finance charge rate, in terms of clause 4 of this document on the relevant part of the balance owing by me.

22.6

The dates, number and amounts of the monthly instalments whereby I will be paying the balance owing by me.

23. REWARDS PROGRAM

All current account holders and all applicants for accounts (the latter subject to the further terms and conditions herein but irrespective of whether or no credit is in fact granted) are automatically eligible to participate in the Truworths Rewards program.
24. SEVERABILITY

In the event any one or more of the provisions contained in this Credit Agreement are for any reason held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability will not affect any other provision of this Credit Agreement, which will be construed as if such invalid, illegal or unenforceable provision had never been included, and the Credit Agreement will be given effect as nearly as possible according to its original terms and intent.
 
25. DISCLOSURE IN TERMS OF THE CONSUMER PROTECTION ACT

Truworths acts in South Africa as a representative of Hollard Life Assurance Company Limited and The Hollard Life Insurance Company Limited in the promotion and supply of Account Balance Protection Insurance and Cellphone Insurance respectively. It hereby provides such additional information not set out above, as is required by section 27 of the Consumer Protection Act and regulation 9 of the Regulations thereto.

Tel: +27 (0)21 520 2300 +27 (0)21 520 2300
Postal Address: PO Box 4775, Cape Town, 8000, South Africa
Fax: +27 (0)21 520 7277
Email: services@truworths.co.za
Truworths' public officer is Annalize Kirsten, who can be contacted on +27 (0)21 520 7911
TW/TC/E/9/2016

 
Truworths Beperk: Reg.nr. 1940/013923/06 (indien my Rekening in Suid-Afrika geopen is); Truworths (Namibië) Beperk: Reg.nr. 492 (indien my Rekening in Namibië geopen is); Truworths (Swaziland) Beperk: Reg.nr. 108/1961 (indien my Rekening in Swaziland geopen is); en Truworths Botswana (Edms) Beperk: Reg.nr. CO2007/5848
(indien my Rekening in Botswana geopen is)

Mostertstraat 1, Kaapstad, Suid-Afrika (hierna vermeld as "Truworths")

TRUWORTHS SE BEPALINGS EN VOORWAARDES VIR DIE AANSOEK OM, EN VERLENING VAN KREDIET, EN VERKOPE

1. Kredietooreenkoms

1.1

Ek begryp dat ’n Kredietooreenkoms ten opsigte van ’n wentelkredietgerief (my “Kredietgerief”) tussen my en Truworths gesluit is.

1.2

Ek begryp dat die bepalings en voorwaardes van toepassing op my Kredietooreenkoms en op aankope van goedere by Truworths te alle tye onderworpe sal wees aan die bepalings van die Nasionale Kredietwet Nr. 34 van 2005 (die “Nasionale Kredietwet”) en die Wet op Verbruikersbeskerming Nr. 68 van 2008 (die “Wet op Verbruikersbeskerming”), indien van toepassing, en enige ander wetgewing wat van toepassing is, en in geval van konflik tussen enige wetgewing en hierdie bepalings en voorwaardes sal die wetgewing van krag wees.

1.3

Ek begryp dat die bepalings en voorwaardes van toepassing op my Kredietooreenkoms en op aankope van goedere by Truworths te alle tye onderworpe sal wees aan die bepalings van die Nasionale Kredietwet Nr. 34 van 2005 (die “Nasionale Kredietwet”) en die Wet op Verbruikersbeskerming Nr. 68 van 2008 (die “Wet op Verbruikersbeskerming”), indien van toepassing, en enige ander wetgewing wat van toepassing is, en in geval van konflik tussen enige wetgewing en hierdie bepalings en voorwaardes sal die wetgewing van krag wees.

2. Kredietlimiet, Rekeninglimiet en Verhogings

2.1

Kredietlimiet

My Kredietgerief (my “Rekening”) sal ’n maksimum kredietlimiet (“Kredietlimiet”) toegeken word soos bepaal deur Truworths, in ooreenstemming met die vereistes van die Nasionale Kredietwet in Suid-Afrika, en die toepaslike bepalings van die wetgewing wat van toepassing is in ander lande. Hierdie Kredietlimiet sal my maandelikse besteebare inkomste – nadat al my maandelikse huishoudelike uitgawes van my maandelikse huishoudelike inkomste afgetrek is (“Bekostigbaarheid”) – in ag neem, welke inligting ek aan Truworths sal verskaf wanneer die Bekostigbaarheidsevaluering gedoen word. Ek begryp dat Truworths hierdie Kredietlimiet na goeddunke tydelik kan verhoog in reaksie op ’n versoek deur my, ten einde spesifieke aankope moontlik te maak wat tot gevolg sal hê dat ek hierdie Kredietlimiet oorskry. Ek begryp dat die Kredietlimiet wat vóór so ’n tydelike verhoging geld, wéér sal geld wanneer die verskuldigde saldo op my Rekening minder as daardie limiet is. Truworths kan die Kredietlimiet wat vir my Rekening geld met my toestemming of op my versoek verhoog, maar slegs ná oorweging van die Nasionale Kredietwet se vereistes, indien van toepassing. My Kredietlimiet kan voorts elke jaar outomaties verhoog word, mits ek ingestem het tot sodanige outomatiese jaarlikse verhogings. Ek begryp dat ek ná my aanvanklike Bekostigbaarheidsevaluering, toe my Kredietlimiet oorspronklik bepaal is, Truworths in kennis moet stel indien my Bekostigbaarheid afneem (minder word).

2.2

Rekeninglimiet

Ek begryp dat Truworths na goeddunke ’n Rekeninglimiet (die “Rekeninglimiet”) aan my beskikbaar kan stel wat laer is as die Kredietlimiet wat aan my toegeken is, waarna daar in klousule 2.1 hierbo verwys word. Hierdie Rekeninglimiet sal tot my beskikking gestel word, en van tyd tot tyd verhoog en verlaag word na Truworths se goeddunke, op grond van die manier waarop ek my Rekening bestuur het. Ek begryp dat Truworths hierdie Rekeninglimiet na goeddunke tydelik kan verhoog in reaksie op ’n versoek deur my, ten einde spesifieke aankope moontlik te maak wat tot gevolg sal hê dat ek hierdie Rekeninglimiet oorskry. Ek begryp dat die Rekeninglimiet wat vóór so ’n tydelike verhoging geld, wéér sal geld wanneer die verskuldigde saldo op my Rekening minder as daardie limiet is.

3. Kaart en Betalingsplanne

Truworths sal vir my ’n winkelkaart (my “Kaart”) stuur waarvoor ek verantwoordelik sal wees. Indien my Kaart verlore raak of gesteel word, sal ek onmiddellik my plaaslike Truworths-winkel in kennis stel of die Klantedienshulplyn skakel by +27 (0)21 460 2300. Ek kan my Kaart gebruik om handelsware te koop op die onderskeie beskikbare betalingsplan/ne wat beskikbaar is in die land waar ek my Rekening oopgemaak het, en ten tyde van die aankoop vir sodanige handelsware geld, soos Truworths uitsluitlik na goeddunke bepaal.

 
4. Rente

4.1

Ooreengekome Koers

Totdat die rentekoers gevarieer word op die manier wat hieronder beskryf word, sal rente teen die koers wat in die Kwotasie gespesifiseer word op alle rentedraende betalingsplanne wat ek gebruik, gehef word, of – in die geval van rekenings wat voor 1 Junie 2007 geopen is – teen die koers wat vir sulke rekenings geld (die “Ooreengekome Koers”). Die Ooreengekome Koers sal nooit die betrokke verwysingskoers wat hieronder omskryf word, oorskry nie.

4.2

Verwysingskoers

Ek begryp dat Truworths die Maksimum Rentekoers wat deur die Nasionale Kredietwet of, in die geval van rekenings wat voor 1 Junie 2007 geopen is, die Woekerwet voorgeskryf word, as die verwysingskoers gekies het om die Ooreengekome Koers wat vir my Rekening geld te bepaal, indien ek my Rekening in Suid-Afrika geopen het. Ek begryp dat, indien ek my Rekening buite Suid-Afrika geopen het, die verwysingskoers die maksimum koers sal wees wat deur die betrokke wetgewing in die land waar die rekening geopen is, voorgeskryf word.

4.3

Variasie in Ooreengekome Koers

Ek begryp dat my Rekening ’n veranderlike rentekoers het, wat beteken dat die Ooreengekome Koerse wat vir die betalingsplanne op my Rekening geld, van tyd tot tyd direk in samehang met veranderings in die toepaslike verwysingskoers sal varieer. Truworths sal my binne 30 werksdae ná so ’n verandering skriftelik in kennis stel – deur middel van my maandelikse rekeningstaat of andersins – van die verandering, wat verband sal hou met die verandering in die toepaslike verwysingskoers. Verwys asseblief na die Maksimum Rentekoersheffing in klousule 4.6.3.2.

4.4

Verdiskonteerde of Kwytgeskelde Rente

Ek begryp dat Truworths die Ooreengekome Koers na goeddunke na ’n laer rentekoers kan verminder, of selfs heeltemal kan kwytskeld op die spesiale sesmaande- en ander uitgesoekte betalingsplanne, indien hierdie planne na Truworths se goeddunke aan my beskikbaar gestel is, op voorwaarde dat my Rekening nie agterstallig raak nie, maar indien dit wel gebeur, dat Truworths nie rente teen meer as die Maksimum Rentekoers op die Rekening sal hef nie.

4.5

Voorkoming van Rente op Agterstallige Rekenings

Ek begryp dat rente van tyd tot tyd op my Rekening se daagliks verskuldigde saldo bereken word, en dat ek die hoeveelheid rente wat op my Rekening gehef word, kan minimaliseer deur my betaalbare bedrae ten volle teen die betaaldatum, soos uiteengesit op my maandelikse rekeningstaat, te vereffen. Ek begryp dat, indien ek nie sodanige betaling teen sodanige betaaldatum doen nie, bykomende rente gehef sal word.

4.6

Heffing en Kwytskelding van Rente

Rente word soos volg op my Rekening gehef en moontlik kwytgeskeld:

4.6.1

Kwytgeskelde rente-planne

4.6.1.1

Ek begryp dat geen rente gehef sal word indien ek die Rekening se betaalbare saldo (m.a.w. die rekeningtotaal) vóór die betaaldatum (soos vervat in my maandstaat) aan Truworths betaal nie.

4.6.1.2

Ek begryp voorts dat, indien ek die betaalbare bedrag (m.a.w. die maandelikse paaiement) vóór die betaaldatum aan Truworths betaal, geen rente vir daardie maand gehef sal word nie.

4.6.1.3

Ek begryp voorts dat, indien ek nie die betaalbare bedrag betaal nie, of indien ek ’n kleiner bedrag betaal as die bedrag wat op die betaaldatum aan Truworths betaalbaar is, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen ’n koers wat nie die Maksimum Rentekoers wat volgens klousule 4.6.3.2 hieronder bepaal is, oorskry nie, en dat ek aanspreeklik mag wees vir wetlike heffings.

4.6.2

Rentedraende planne

4.6.2.1

Ek begryp dat geen rente gehef sal word indien ek die Rekening se betaalbare saldo (m.a.w. die rekeningtotaal) vóór die betaaldatum (soos vervat in my maandstaat) aan Truworths betaal nie.

4.6.2.2

Ek begryp voorts dat, indien ek slegs die betaalbare bedrag (m.a.w. die maandelikse paaiement) aan Truworths betaal, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen die Ooreengekome Koers waarna daar in klousule 4.1 hierbo verwys word.

4.6.2.3

Ek begryp voorts dat, indien ek nie die betaalbare bedrag betaal nie, of indien ek ’n kleiner bedrag betaal as die bedrag wat op die betaaldatum aan Truworths betaalbaar is, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen ’n koers wat nie die Maksimum Rentekoers wat in klousule 4.6.3.2 hieronder bepaal is, oorskry nie, en dat ek aanspreeklik mag wees vir bykomende wetlike heffings.

4.6.3

Renteberekening

4.6.3.1

Rente word daagliks op ’n eenvoudige grondslag met behulp van die volgende formule bereken: Om die daagliks betaalbare rente te bepaal, deel die saldo wat op die Rekening betaalbaar is deur die getal dae in die jaar, en vermenigvuldig dit met die toepaslike rentekoers soos vervat in my kredietooreenkoms. Die daaglikse rente wat só bereken word, word bymekaar gereken vir die tydperk tussen die vorige en die huidige maandstate se datums, en op die huidige maandstaat se datum by die Rekening se betaalbare saldo gereken.

4.6.3.2

Die Nasionale Kredietwet stipuleer die Maksimum Rentekoers wat in Suid-Afrika gehef mag word in verhouding tot die terugkoopkoers wat van tyd tot tyd deur die SA Reserwebank bepaal word.

 
5. State, Betalings en Wanbetaling

5.1

State

Truworths sal vir my ’n maandelikse rekeningstaat stuur na die posadres wat in die Kwotasie of in die Aansoek gespesifiseer is, of na ’n ander adres indien ek Truworths moontlik later daarvan in kennis stel; die inligting op die rekeningstaat sal onder meer die saldo wat op die staatdatum verskuldig is, die maandelikse paaiement, die betaalbare rentebedrag, die totale betaalbare bedrag en die betaaldatum insluit. Die betaalbare saldo bestaan uit die koste van aankope wat op my Rekening gedoen is, soos dit verskyn op die fakture wat aan my uitgereik is ten tyde van die aankope, saam met enige toegelate en ooreengekome rente, aanvangsfooie, diensfooie, versekeringspremies, wanbetalingsadministrasiekostes en invorderingskostes wat op my Rekening gehef kan word, minus enige betalings wat gedoen is of krediet wat op my Rekening ingeskryf word. Die betaalbare bedrag is die maandelikse paaiement (wat vasgestel word in samehang met die betalingsplan/ne wat vir my Rekening geld) plus enige agterstallige bedrae, saam met rente en toegelate fooie wat daarop gehef word.

5.2

Betalings

5.2.1

Ek stem in dat betalings op my Rekening slegs gemaak kan word in die land waar my Rekening geopen is. Ek stem in om elke maand voor of op die betaaldatum ten minste die betaalbare bedrag sonder teeneis of aftrekking aan Truworths te betaal, en ek bevestig dat ek nie daarop geregtig sal wees om enige voorwaarde te koppel aan enige betaling wat aan Truworths gemaak word nie. Truworths sal elke betaling wat ek op my Rekening doen soos volg krediteer op die datum waarop dit ontvang word: eerstens, om enige betaalbare of onbetaalde renteheffings te delg; tweedens, om enige betaalbare of onbetaalde fooie, kostes of heffings te delg; en derdens, om die bedrag van die hoofskuld te verminder.

5.2.2

Ek het die opsie om aansoek te doen dat die bedrag wat elke maand aan Truworths betaalbaar is, per debietorder betaal word indien ek ’n spaar-, transmissie- of tjekrekening het. Die debietorder sal stipuleer dat betaling op enige dag van die maand afgetrek kan word, soos deur my gekies. Truworths behou die reg voor om die debietorder weer by my bank in te dien vir betaling, selfs op die dae wat ek nie gestipuleer het nie, totdat my verpligtings nagekom is.

5.3

Wanbetaling en Opsegging

5.3.1

Ek stem saam dat ek ingevolge hierdie Ooreenkoms wanbetaal indien:

5.3.1.1

Ek versuim om ten minste 90% van die betaalbare bedrag op die betaaldatum te betaal.

5.3.1.2

My Rekening daarna vir meer as 30 dae agtereenvolgens agterstallig bly, wat die geval sal wees tensy ek ten minste 90% van die verskuldigde bedrag op die volgende betaaldatum betaal.

5.3.2

Indien ek versuim om die bepalings van hierdie Ooreenkoms na te kom, of ingeval my boedel gesekwestreer word, of indien ek te sterwe kom, of as ek in gebreke bly om my verpligtings teenoor Truworths – soos omskryf in klousule 5.3.1 – na te kom, sal:

5.3.2.1

Alle bedrae wat ek aan Truworths skuld onmiddellik betaalbaar kan word.

5.3.2.2

Truworths my Kredietgerief kan opskort.

5.3.2.3

Truworths my Kredietlimiet en/of Rekeninglimiet kan verlaag sonder om my in kennis te stel.

5.3.3

Truworths kan voorts ná ’n kennistydperk van 20 werksdae my Kredietgerief opskort en – onderhewig aan die betrokke bepalings van die Nasionale Kredietwet, indien van toepassing – onmiddellike betaling van die verskuldigde balans op my Rekening eis.

 
6. Sellulêre Aankope

6.1

Aankope van selfone en sellulêre bybehore op my Truworths-rekening sal slegs 6 maande nadat my Rekening geopen is, toegelaat word, en dan slegs indien daar gereeld Truworths-handelsware op sodanige rekening gekoop is.

6.2

Terwyl daar nog enige bedrag verskuldig is ten opsigte van enige selfoon/-fone wat op my Truworths-rekening gekoop is, kan Truworths, in die mate waarin die wet dit toelaat, die diensverskaffer opdrag gee om die selfoondiens op te skort, indien die bedrag wat op my Rekening betaalbaar is nie teen die betrokke betaaldatum betaal word nie. Sodra die uitstaande betalings ten volle vereffen is, kan die selfoon/-fone wat op my Truworths-rekening gekoop is, se diens op my versoek geheraktiveer word, onderhewig aan enige heraktiveringsfooi wat deur die diensverskaffer gehef mag word.

6.3

Selfone kan slegs op die rentedraende sesmaande-betalingsplan gekoop word.

6.4

Ek erken dat selfone en sellulêre toebehore slegs in sekere winkels en in sekere lande – soos bepaal volgens Truworths se uitsluitlike diskresie – verkoop sal word.

 
7. Ongemagtigde Aankope op my Rekening

Ek begryp dat die Bedrogbeskermingsvoordeel een van die voordele is waarop ek tans geregtig is, danksy die betaling van die jaarlikse diensfooi. Die Bedrogbeskermingsvoordeel dek my teen enige ongemagtigde en/of wederregtelike aankope op my Rekening. Mits ek sodanige aankope gerapporteer het, sal Truworths my nie aanspreeklik hou nie, tensy my handtekening op die faktuur of ’n ander aankoopbewys verskyn, of as Truworths kan bewys dat ek die aankope gemagtig het of daarvoor verantwoordelik was.
 
8. Rekeningsaldo-dekkingsversekering

Truworths kan die Rekeningsaldo-dekkingsversekering na goeddunke ’n verpligte voorwaarde van die eienaarskap van ’n Truworths-rekening maak. Ek kan in hierdie geval my reg uitoefen om Truworths se Rekeningsaldo-dekkingsversekeringspolis met een van my eie, soortgelyke polisse te vervang, mits ek volgens Truworths se oordeel afdoende bewys kan lewer dat Truworths as die verliesbegunstigde aangeteken is.

 
9. Vertroulike en Persoonlike Inligting

9.1

Ek stem in dat Truworths te eniger tyd enige van my vertroulike en verbruikerskredietinligting, met inbegrip van ’n burotelling, by enige kredietburo, ander register of enige derde party mag aanvra, en bevestig dat hierdie toestemming ook die inligting insluit wat Truworths reeds ontvang het. Truworths mag hierdie vertroulike en verbruikerskredietinligting (insluitend inligting oor nie-nakoming van my verpligtings ingevolge my Ooreenkoms) asook enige inligting oor my Rekening, insluitend my aansoek en die opening en sluiting van my Rekening, met enige ander kredietverskaffer en kredietburo deel, met die doel – onder meer – dat sodanige kredietburo hierdie inligting met ander potensiële kredietverskaffers en kredietburo’s kan deel. Ek begryp dat die kredietburo’s aan kredietverskaffers ’n profiel, en moontlik ’n telling ten opsigte van my kredietwaardigheid, verskaf op grond van die inligting wat Truworths met sodanige buro’s deel.

9.2

Ek begryp dat Truworths my vertroulike en verbruikerskredietinligting kan gebruik vir bemarking en verwante doeleindes, risiko- en analitiese evaluering en waardetoekenning, asook vir Truworths se algemene sakedoeleindes.

 
10. Kredietburo’s

10.1

Truworths mag my vertroulike en verbruikerskredietinligting, soos hierbo uiteengesit, aan die kredietburo’s verskaf, insluitend die volgende:

10.1.1

Compuscan

Tel: +27 (0)21 888 6000 +27 (0)21 888 6000
Faks: +27 (0)21 883 2336
E-pos: info@compuscan.co.za
Straatadres: Chenin-huis, Brandwacht-kantoorpark, Trumaliweg, Stellenbosch, Suid-Afrika Posadres: Posbus 1028, Stellenbosch, 7599, Suid-Afrika
Posadres: Posbus 1028, Stellenbosch, 7599, Suid-Afrika

10.1.2

Experian

Tel: +27 (0)11 799 3400 of 086 110 5665 Faks: +27 (0)11 707 6700/6786
E-pos: info@experian.co.za of morpheus@experian.co.za
Straatadres: Experian-huis, The Ambridge-kantoorpark, Vredelaan, Bryanston, Suid-Afrika
Posadres: Posbus 98183, Sloan Park, 2152, Suid-Afrika

10.1.3

TransUnion

Tel: 0861 482 482 Faks: +27 (0)11 388 2454 E-pos: creditbureau@transunion.co.za Straatadres: Wanderers-kantoorpark, Corlettrylaan 52, Illovo, Suid-Afrika Posadres: Posbus 4522, Johannesburg, 2000, Suid-Afrika

10.1.4

XDS

Tel: +27 (0)11 645 9100 Faks: +27 (0)11 484 6588
E-pos: info@xds.co.za
Straatadres: Oakhurst-gebou 11-13, 3de Vloer, Westelike Vleuel, St Andrewsweg, Parktown, Johannesburg, Suid-Afrika
Posadres: Posbus 30987, Braamfontein, 2017, Suid-Afrika

10.1.5

Suid-Afrikaanse Bedrogvoorkomingsdiens

Hulplyn: 0860 101 248 Tel: +27 (0)11 867 2234 Faks: +27 (0)11 867 2315
E-pos: safps@safps.org.za
Straatadres: Blok 5, Meyersdal-kantoorpark, Phillip Engelbrechtstraat 65, Meyersdal, 1448, Suid-Afrika
Posadres: Posbus 2629, Alberton, 1450, Suid-Afrika

en sodanige ander kredietburo’s met wie Truworths van tyd tot tyd mag skakel.

10.2

Ek begryp dat ek enige kredietburo te eniger tyd kan kontak en vra dat my verbruikerskredietinligting aan my bekend gemaak word. Ek kan voorts enige inligting waaroor die kredietburo beskik wat myns insiens verkeerd is, bevraagteken.

10.3

Truworths kan ook my vertroulike en verbruikerskredietinligting en kooppatrone aan sy verwante maatskappye of agente verskaf, en aan enige party wat gemoeid is met die voorkoming van misdaad en beskerming daarteen.

10.4

Ek begryp dat Truworths ingevolge Suid-Afrikaanse wetgewing oor geldwassery ’n plig het om verdagte of ongewone transaksies met betrekking tot onwettige bedrywighede te rapporteer, ooreenkomstig die verpligtings wat in hierdie verband op ondernemings geplaas word.

11. Terughandiging van Handelsware
 

11.1

Terughandigings en Omruilings

Truworths laat my toe om ’n handelsware-item binne 30 dae ná die aankoopdatum terug te handig, mits:

11.1.1. Die oorspronklike faktuur of geskenkkwitansie tydens terughandiging as koopbewys getoon kan word.
11.1.2. Die prys-etiket aangeheg is.
11.1.3. Die item nie gedra of gebruik is nie.
11.1.4. Die item in sy oorspronklike toestand en verpakking is.
11.1.5. Items wat saam met promosiegeskenke verkoop is, saam met die geskenk teruggehandig word.
11.1.6. Die item in die land waar dit gekoop is, teruggehandig word.

11.2

Terugbetalings

Truworths sal ’n volle terugbetaling op die oorspronklike betaalwyse doen, of ’n krediet op die Truworths-rekening inskryf, mits:

11.2.1. Daar aan alle kriteria in klousule 11.1 voldoen word.
11.2.2. Die kredietkaarthouer en die betrokke kaart teenwoordig is vir ’n kredietkaartterugbetaling.
11.2.3. Geen terugbetaling kan verwerk word indien ’n geskenkkwitansie getoon word, tensy die oorspronklike faktuur terselfdertyd getoon word nie.

11.3

Ek neem egter kennis dat, buiten om die voorwaardes in klousules 11.1 en 11.2 na te kom:

11.3.1. Ek juweliersware, horlosies (met waarborg) en sonbrille binne 14 dae by ’n winkel met ’n juweliersware-afdeling moet terughandig.
11.3.2. Swemklere die skutstrook moet aanhê.
11.3.3. Selfone teruggehandig moet word by ’n selfoontoonbank, en onderhewig is aan MTN se Terughandigingsbeleid.
11.3.4. Alle skoonheidsmiddels en reukware teruggehandig moet word by ’n winkel wat ’n skoonheidsmiddel-afdeling het wat daardie handelsmerk aanhou.

11.4

Geen Terughandiging

Geen terughandiging van onderklere, geskenkkaarte, voorafbetaalde selfoonlugtyd of insteek-lyfjuwele (insluitend oorkrabbetjies) sal toegelaat word nie.

 

11.5

Foutiewe Handelsware

Handelsware met wesenlike vervaardigingsfoute sal met graagte gekrediteer of omgeruil word, mits:

11.5.1. Ek sodanige handelsware binne ses (6) maande ná ontvangs aan Truworths terugbesorg.
11.5.2. Ek ’n aankoopbewys kan lewer.
11.5.3. Die handelsware in die land waar dit gekoop is, teruggehandig word.
11.5.4. Die handelsware gebruik is vir die doel waarvoor dit bestem is.
11.5.5. Die item volgens die was-/versorgingsetiket se instruksies versorg is.

Besoek www.truworths.co.za vir die volledige Terughandigingsbeleid.

12. Rekeningfooie en -kostes

12.1

Ek begryp dat Truworths my ’n jaarlikse diensfooi vir roetine-administrasie sal vra, en dat dit my tans geregtig maak op die Bedrogbeskermingsvoordeel. Die fooi wat op die betrokke tydstip betaalbaar sal wees, sal in die Kwotasie gespesifiseer word en/of andersins skriftelik aan my verskaf word. Die fooi is nie terugbetaalbaar nie en sal een keer per jaar teen my Rekening gedebiteer word wanneer dit Truworths ten volle sal toeval. Die jaarlikse diensfooi kan na Truworths se goeddunke van tyd tot tyd verhoog word, mits dit nie die maksimum limiet soos voorgeskryf deur die Nasionale Kredietwet, indien van toepassing, oorskry nie. Die jaarlikse diensfooi kan van tyd tot tyd uitsluitlik na Truworths se goeddunke kwytgeskeld word.

12.2

Truworths behou die reg voor om vir my ’n aanvangsfooi te vra om my Rekening te open (welke bedrag in die Kwotasie gespesifiseer sal word en wat ek vooraf kan betaal in plaas daarvan dat dit by my verskuldigde saldo gevoeg word).

12.3

Truworths behou die reg voor om die volgende te hef:

12.3.1

’n Wanbetalingsadministrasieheffing indien my Rekening agterstallig is of indien ek in gebreke bly ingevolge hierdie Ooreenkoms, en enige invorderingskostes wat Truworths moontlik moet aangaan om my geldelike verpligtings ingevolge hierdie Ooreenkoms af te dwing, insluitend regsfooie, wat nie die fooie soos voorgeskryf deur die Wet op Prokureurs, die Wet op die Hooggeregshof, die Wet op Landdroshowe en die Wet op Skuldinvorderaars, indien van toepassing, sal oorskry nie. Hierdie fooie, heffings en kostes sal nie hoër wees as wat die Nasionale Kredietwet, indien van toepassing, toelaat nie.

12.3.2

Alle kostes wat verband hou met die oorhandiging van ’n Rekening aan ’n skuldinvorderingsagentskap vir verhaling van agterstallige bedrae.

12.2

Truworths kan ’n transaksie-gebaseerde diensfooi hef en dit teen my Rekening debiteer vir tjeks wat ek uitreik wat om welke rede ook al deur die bank teruggestuur word, of vir debietorders wat weens ’n gebrek aan fondse nie deur die bank verwerk word nie.

13.Diverse Bepalings

13.1

Ek kies my woonadres soos verstrek op die Kwotasie of op my Aansoek (of enige ander adres deur my gespesifiseer ingevolge klousule 13.2) vir die ontvangs van enige regsdokumente. Suid-Afrikaanse wetgewing geld vir hierdie Ooreenkoms en alle transaksies met Truworths.

13.2

Ek sal Truworths onmiddellik in kennis stel van enige verandering in kontakbesonderhede, wat die volgende insluit, maar nie beperk is nie tot: my werk-, pos- of woonadres, my huis-, werk-, of selfoonnommer/s en my e-posadres.

13.3

Indien ek voorheen ’n Truworths-rekening gehad het en dit minder as drie jaar voor die aansoek om ’n nuwe Truworths-rekening gesluit het, behou Truworths die reg voor om enige promosie-aanbiedings terug te trek wat aan die nuwe rekening gekoppel is.

13.4

Indien ek binne gemeenskap van goedere getroud is, bevestig ek dat ek my eggenoot se toestemming gekry het om hierdie Rekening te open, en om verhogings in die Kredietlimiet en/of Rekeninglimiet wat vir my Rekening geld, te aanvaar.r Account Limit applicable to my Account.

 

13.5

Truworths en enige van sy gemagtigde agente sal geregtig wees om my telefoon- of selfoongesprek/ke wat ek met enige van hul werknemers voer, met die oog op opleiding, invorderings of toekomstige verwysing op te neem en/of te monitor.

13.6

Enige data oor my waarop Truworths ingevolge hierdie Ooreenkoms geregtig raak, kan tot enige voornemende koper se beskikking gestel word, of oorgedra word aan enige party indien Truworths sy onderneming aan so ’n party verkoop, of as so ’n party beheer oor Truworths verkry.

13.7

Geen toegewing of uitstel wat Truworths aan my gee, sal as ’n afstanddoening van Truworths se regte ingevolge hierdie Kredietooreenkoms beskou word nie.

14. Rekeningdispute en Klagtes

14.1

Ek mag te eniger tyd ’n klagte rakende hierdie Ooreenkoms na ’n alternatiewe dispuutoplossingsagent of verbruikershof verwys, of ’n dispuut rakende hierdie Kredietooreenkoms verwys na die Kredietombudsman, die Nasionale Verbruikerskommissie of die Nasionale Kredietreguleerder indien my Rekening in Suid-Afrika geopen is, of na enige toepaslike liggaam of reguleerder in die land waar ek my Rekening geopen het.

Die Kredietombudsman kan gekontak word by:
Tel: 0861 OMBUDS (0861 662837) Faks: 086 683 4644
E-pos: ombud@creditombud.org.za
Straatadres: Fernridge Kantoorpark, Hunterstraat 5, Ferndale, Randburg, Suid-Afrika
Posadres: Posbus 805, Pinegowrie, 2123, Suid-Afrika
Webwerf: www.creditombud.org.za

Die Nasionale Kredietreguleerder kan gekontak word by:
Tel: +27 (0)11 554 2600 of 0860 627 627
Faks: +27 (0)11 554 2771 E-pos: info@ncr.org.za
Straatadres: 15de Weg 127, Randjespark, Midrand, Suid-Afrika
Posadres: Posbus 209, Halfweghuis, 1685, Suid-Afrika

Die Nasionale Verbruikerskommissie kan gekontak word by:
Share Call-nommer: 0860 266 786
Faks: 0861 515 259 E-pos: ncc@thedti.gov.za
Webwerf: www.nccsa.org.za

14.2

Indien ek ’n navraag het oor die korrektheid van my maandelikse rekeningstaat of ’n dispuut wil verklaar oor enige handelsware-aankope of ander transaksies wat daarop weerspieël word, sal ek Truworths binne 60 dae ná die datum van daardie spesifieke staat in kennis stel.

15. Skuldberading

Hierdie klousule is slegs van toepassing op rekenings wat in Suid-Afrika geopen is.

Ek bevestig dat my skuldlas ten tyde van die aansoek om my Truworths-rekening nie onder evaluasie of skuldoorsig deur ’n skuldberader is soos dit in artikel 86 van die Nasionale Kredietwet omskryf word nie. Ek begryp dat ek te eniger tyd ’n skuldberader kan raadpleeg om my by te staan met die bestuur van my skuld.

Die proses wat gevolg moet word, is:

15.1

Kontak enige skuldberader.

15.2

Betaal die voorgeskrewe fooi en vul die vorm in wat deur die skuldberader verskaf word.

15.3

Die skuldberader sal ’n skuldoorsig onderneem en oordeel of die toekenning van hierdie Kredietgerief roekeloos was.

15.4

Indien ek nie te diep in die skuld was toe hierdie Kredietgerief gefinaliseer is nie, sal die skuldberader die oorsigproses beëindig en sal my verpligtings jeens Truworths voortduur.

15.5

Indien ek wel te diep in die skuld was toe hierdie Kredietgerief toegeken is, sal die skuldberader ’n aanbeveling doen en dit na die betrokke Hof of Tribunaal verwys om die Ooreenkoms roekeloos te verklaar.

15.6

Indien ek nie te diep in die skuld is nie, maar die skuldberader reken dat ek gaan sukkel om my skuld te betaal, kan die skuldberader moontlik voorstel dat ek en Truworths vrywillig moet oorweeg om saam ’n nuwe skuldreëling te tref.

 
16. Partye en Omvang van Ooreenkoms

16.1. Ek begryp die volgende:
16.1.1. Die kredietverlener ingevolge hierdie Kredietooreenkoms:
16.1.1.1. indien ek my Rekening in Suid-Afrika geopen het, is Truworths Beperk (registrasienommer 1940/013923/06), wat ’n geregistreerde kredietverskaffer onder die nommer NCRCP45 is;
16.1.1.2 indien ek my Rekening in Namibië geopen het, is Truworths (Namibië) Beperk (registrasienommer 492);
16.1.1.3. indien ek my Rekening in Swaziland geopen het, is Truworths (Swaziland) Beperk (registrasienommer 108/1961);
16.1.1.4 indien ek my Rekening in Botswana geopen het, is Truworths Botswana (Edms) Beperk (registrasienommer CO2007/5848); van Mostertstraat 1, Kaapstad, Suid-Afrika (hierna in hierdie dokument vermeld as “Truworths”).
16.1.2. Ek is die verbruiker/kredietontvanger en my adresse is dié wat ek in die Kwotasie of in die Aansoek verstrek het, of wat daarna via skriftelike kennisgewing aan Truworths deur my gewysig is.
16.1.3. Geen bedrag is of word ingevolge hierdie Kredietooreenkoms van my vereis as ’n aanvangsbetaling (m.a.w. as ’n deposito) nie.
16.1.4. Die Kredietooreenkoms hou verband met die modeklere en -bykomstighede – insluitend juweliersware, skoonheidsmiddels en sellulêre produkte en/of enige ander produkte of dienste – wat beskryf word in die fakture wat aan my uitgereik is na aanleiding van aankope wat ek by Truworths-winkels en/of op die Truworths-webwerf gedoen het.

16.2. Ek bevestig dat ek die regsbevoegdheid het om hierdie Ooreenkoms aan te gaan.
 
17. Vroeë Vereffening

Ek begryp dat ek my Kredietooreenkoms met Truworths te eniger tyd voortydig kan vereffen deur die bedrag wat op die vereffeningsdatum verskuldig is aan Truworths te betaal. Die vereffeningsbedrag bestaan uit die onbetaalde hoofskuld (wat die bedrag van die verskuldigde saldo is – rente en ander heffings op my staat uitgesluit) saam met enige rente of ander heffings wat tot en met die vereffeningsdatum opgeloop het.
 
18. Rekeningbeëindiging deur Verbruiker

Ek begryp dat ek my Kredietooreenkoms met Truworths te eniger tyd kan beëindig deur my Rekening se vereffeningsbedrag (waarna daar hierbo verwys word) op die beëindigingsdatum aan Truworths te betaal. Ek begryp dat, indien daar geen sodanige bedrag verskuldig is nie, ek Truworths in kennis moet stel van my voorneme om die Kredietooreenkoms te beëindig.
 
19. Kredietlimiet- en/of Rekeninglimietstipulasies deur Verbruiker

Ek begryp voorts dat ek Truworths te eniger tyd skriftelik in kennis kan stel dat ek die Kredietlimiet en/of Rekeninglimiet wat op my Kredietgerief van toepassing is, wil verminder, of dat ek die Kredietlimiet en/of Rekeninglimiet kan stipuleer wat ek bereid is om op die Kredietgerief te aanvaar.
 
20. Wysigings aan Ooreenkoms

Truworths kan hierdie bepalings en voorwaardes ná ten minste 5 (vyf) werksdae se skriftelike kennisgewing wysig, mits sodanige wysigings my aanspreeklikheid ingevolge my Kredietooreenkoms met Truworths verminder, en/of die Kredietlimiet wat vir my Kredietgerief geld een keer per jaar outomaties verhoog, indien ek dit verkies. Ek en Truworths moet onderling oor enige ander wysigings aan my Kredietooreenkoms ooreenkom en dit moet op skrif gestel word.
 
21. Oordrag van Ooreenkoms

Truworths is daarop geregtig om enige van sy regte te sedeer (oor te dra) en enige van sy verpligtings ingevolge hierdie Kredietooreenkoms aan enige derde party te delegeer (oor te dra) sonder my medewete.
 
22. Openbaarmaking ten opsigte van Ooreenkomste wat voor 1 Junie 2007 gesluit is

Indien my Kredietooreenkoms voor 1 Junie 2007 aangegaan is, is dit aangeteken dat die volgende inligting nie tans bekend is, of vooruit vasgestel kan word nie, omdat die krediet wat aan my verleen is, in die vorm van ’n wentelkredietgerief was:

22.1

Die verkoopprys van al die handelsware wat Truworths aan my sal verkoop tydens die duur van hierdie wentelkredietgerief.

22.2

Die bedrag van die ander heffings waarna hierdie dokument verwys, wat deel sal vorm van die saldo wat deur my betaalbaar is.

22.3

Die betrokke deel van die saldo wat deur my verskuldig is wat die hoofskuld uitmaak.

22.4

Die bedrag van die rente of ander heffings wat gehef sal word op die betrokke deel van die saldo wat ingevolge klousule 4 van hierdie dokument deur my betaalbaar is.

22.5

Die rentekoers, ook bekend as die jaarlikse finansieringheffingskoers, wat ingevolge klousule 4 van hierdie dokument gehef sal word op die betrokke deel van die saldo wat deur my verskuldig is.

22.6

Die datums, aantal en bedrae van die maandelikse paaiemente waardeur ek die saldo wat deur my verskuldig is, sal betaal.

23. Lojaliteitsprogram

Alle huidige rekeninghouers en alle kredietaansoekers (laasgenoemde onderhewig aan die verdere bepalings en voorwaardes hierin vervat, maar ongeag of krediet toegestaan is al dan nie) kwalifiseer outomaties om aan Truworths se Lojaliteitsprogram deel te neem.
24. Skeibaarheid

Indien enigeen of meer van die bepalings wat in hierdie Kredietooreenkoms vervat word, om enige rede in enige opsig ongeldig, onwettig of onafdwingbaar verklaar word, sal sodanige ongeldigheid, onwettigheid of onafdwingbaarheid nie enige ander bepaling van hierdie Kredietooreenkoms beïnvloed nie; die Kredietooreenkoms sal vertolk word asof sodanige ongeldige, onwettige of onafdwingbare klousule nooit ingesluit is nie, en sal so na as moontlik aan sy oorspronklike bepalings en bedoeling in werking gestel word.
 
25. Openbaarmaking ten opsigte van die Wet op Verbruikersbeskerming

Truworths tree op in Suid-Afrika as ’n verteenwoordiger van Hollard Life Assuransiemaatskappy Beperk en Hollard Life Versekeringsmaatskappy Beperk vir die promosie en verskaffing van onderskeidelik Rekeningsaldo-dekkingsversekering en Selfoonversekering. Hiermee word sodanige bykomende inligting verskaf wat nie hierbo uiteengesit word nie, en wat deur artikel 27 van die Wet op Verbruikersbeskerming en regulasie n die meegaande Regulasies vereis word.

Truworths kan gekontak word by:

Tel: +27 (0)21 460 2300
Posadres: Posbus 4775, Kaapstad, 8000, Suid-Afrika
Faks: +27 (0)21 460 7277
E-pos: services@truworths.co.za
Truworths' public officer is Annalize Kirsten, who can be contacted on +27 (0)21 460 7911
TW/TC/E/9/2016

 
Truworths Limited: Nmr. ya ngodiso 1940/013923/06 (haeba akhaonto ya ka e butswe Afrika Borwa); Truworths (Namibia) Limited: Nmr. ya ngodiso 492 (haeba akhaonto ya ka e butswe Namibia); Truworths (Swaziland) Limited: Nmr. ya ngodiso 108/1961 (haeba akhaonto ya ka e butswe Swaziland); le Truworths (Botswana) Limited: Nmr. ya ngodiso CO2007/5848 (haeba akhaonto ya ka e butswe Botswana)

No. 1 Mostert Street, Cape Town, South Africa (eo ho tloha mona e tla bitswa "Truworths")

DITLHOKO LE DIPEHELO TSA TRUWORTHS BAKENG SA KOPO YA, LE PHANO YA MOKITLANE, LE THEKISETSO

1. Tumellano ya Mokitlane

1.1

Ke utlwisisa hore Tumellano ya Mokitlane, e mabapi le Phumantsho ya Mokitlane se iphetaphetang (“Phumantsho ya Mokitlane”), e entswe dipakeng tsa ka le Truworths.

1.2

Tumellano ya Mokitlane ya ka le Truworths e thehilwe ke Foromo ya Kopo ya Akhaonto (haeba foromo e jwalo e tlatsitswe le ho saenwa ke nna) (“Kopo”) le/kapa Setatemente sa Tumellano le Khoteishene (“Khoteishene”) haeba e lokeleha le/kapa lengolo le saennweng ke Truworths le tsebisang hore Phumantsho ya Mokitlane e fanwe ho nna, mmoho le ditlhoko le dipehelo tse tekilweng tokomaneng ena le sehlomathiso sefe kapa sefe se entsweng Tumellanong ya Mokitlane ya ka e rekotilweng ka mongolo le ho dumelwa ke nna.

1.3

Ke utlwisisa hore ditlhoko le dipehelo tse amehang bakeng sa Tumellano ya Mokitlane ya ka le dithekiso tsa thepa tse etswang ke Truworths ka nako yohle di tla laolwa ke melawana ya Molao wa Mekitlane wa Naha Nmr. 34 wa 2005 (“Molao wa Mekitlane wa Naha”) le Molao wa Tshireletso ya Bareki 68 wa 2008 (“Molao wa Tshireletso ya Bareki”) haeba ho lokeleha, le molao ofe kapa ofe o mong o sebetsang, mme mabapi le kgohlano ya ditabatabelo dipakeng tsa ketsomolao efe kapa efe le ditlhoko le dipehelo tsena ketsomolao e tla latelwa.

2. Moedi wa Mokitlane, Moedi wa Akhaonto le Dikeketso

2.1

Moedi owa Mokitlane

Phumantsho ya Mokitlane ya ka (“Akhaonto” ya ka) e tla lekanyetswa Moedi o hodimodimo wa mokitlane (“Moedi wa Mokitlane”) jwalo ka ha ho lekantswe ke Truworths ho latela ditlhoko tsa Molao wa Mekitlane wa Naha Afrika Borwa le dipehelo tse amehang tsa ketsomolao e lokelang dinaheng tse ding. Moedi wa Mokitlane o tla ela hloko tjhelete eo nka e sebedisang kgwedi le kgwedi kamora ho hulwa ditjeho tsohle tsa lelapa la ka tsa kgwedi le kgwedi ho tswa moputsong wa lelapa la ka wa kgwedi le kgwedi (“Bokgoni”), tse tla fanwa ho Truworths ke nna ka nako ya tekanyo ya Bokgoni. Ke utlwisisa hore Truworths ka boikgethelo ba yona e ka nna ya eketsa Moedi wa Mokitlane sena nakwana ka hore ke etse kopo bakeng sa ho kgonahatsa ditheko tse itseng tse neng di tla baka hore ke tlole Moedi ona wa Mokitlane. Ke utlwisisa hore Moedi wa Mokitlane o sebetsang pele keketso e jwalo ya nakwana e ka sebetsa o tla busetswa hape ha balanse e kolotwang Akhaontong ya ka e se e le ka tlase ho Moedi oo. Truworths e ka eketsa Moedi wa Mokitlane se sebetsang bakeng sa Akhaonto ya ka ekaba ka tumelo ya ka kapa ka kopo ya ka, empa kamora ho sekaseka ditlhoko tsa Molao wa Mekitlane wa Naha, haeba ho lokeleha. Ho feta mona, Moedi wa Mokitlane wa ka o ka eketswa ka ho iketsa selemo le selemo, haeba ke dumetse hore keketso e jwalo e iketsahallang e sebetse. Ke utlwisisa hore ke tlameha ho tsebisa Truworths haeba Bokgoni ba ka bo mpefala kamora tekanyo ya pele ya ka ya Bokgoni ha Moedi wa Mokitlane wa ka o ne o lekanng wa qalong.

2.2

Moedi wa Akhaonto

Ke utlwisisa hore Truworths ka boikgethelo ba yona e ka mpha Moedi wa Akhaonto (“Moedi wa Akhaonto”) wa tjhelete e tlasana ho feta Moedi wa Mokitlane oo ke o abetsweng jwalo ka ha ho boletswe temaneng ya 2.1 ka hodimo mona. Moedi ona wa Akhaonto o tla fanwa ho nna, o eketswe le ho fokotswa ka dinako tse itseng ka boikgethelo ba Truworths le ka ho ipapisa le mokgwa oo ke tsamaisitseng Akhaonto ya ka. Ke utlwisisa hore Truworths ka boikgethelo ba yona e ka nna ya eketsa Moedi wa Akhaonto saena nakwana ka hore ke etse kopo bakeng sa ho kgonahatsa ditheko tse itseng tse neng di tla baka hore ke tlole Moedi ona wa Akhaonto. Ke utlwisisa hore Moedi wa Akhaonto o sebetsang pele keketso e jwalo ya nakwana e ka sebetsa o tla busetswa hape ha balanse e kolotwang Akhaontong ya ka e se e le ka tlase ho Moedi oo.

3. Karete le Merero ya Tefo

Truworths e tla nthomella karete ya ditheko (“Karete” ya ka) eo ke tla ikarabella bakeng sa yona. Haeba Karete ya ka e utswitswe kapa e lahlehile, ke tla tsebisa lebenkele la Truworths le haufi le nna kapa ke ikopanye le Mohala wa Thuso wa Ditshebeletso tsa Bareki ho +27 (0)21 460 2300. Nka nna ka sebedisa Karete ya ka ho reka thepa (me)morerong e fapaneng e fumanehang naheng eo akhaonto ya ka e butsweng ho yona mme e sebetsang bakeng sa thepa e jwalo ho latela ka moo Truworths ka boikgethelo ba yona e le nngwe e laotseng ka nako ya theko eo.

4. Tswala

4.1

Sekgahla se Dumellanweng

Ho fihlela sekgahla sa tswala se fetolwa ka mokgwa oo se hlalositsweng ka wona ka tlase mona, tswala e tla lefiswa hodima merero yohle ya ditefello e lefiswang tswala eo ke e sebedisang ka sekgahla se hlakisitsweng Khoteisheneng, kapa bakeng sa diakhaonto tse butsweng pele ho la 1 Phuptjane 2007, ka sekgahla se sebetsang diakhaontong tse jwalo (“Dikgahla tse Dumellanweng”). Sekgahla se Dumellanweng ho hang se ke ke sa feta sekgahla sa referense se hlalositsweng ka tlase mona.

4.2

Sekgahla sa Referense

Ke utlwisisa hore haeba ke bula Akhaonto ya ka Afrika Borwa, Truworths e kgethile Sekgahla sa Tswala se Hodimodimo se laetsweng ke Molao wa Naha wa Mekitlane, kapa Molao wa Dikadimo (Usury Act) bakeng sa diakhaonto tse butsweng pele ho la 1 Phuptjane 2007, jwalo ka sekgahla sa referense bakeng sa merero ya ho fumana Sekgahla se Dumellanweng se sebetsang Akhaontong ya ka. Ke utlwisisa hore haeba ke bula Akhaonto ya ka kantle ho Afrika Borwa sekgahla sa referense e tla ba sekgahla se ka hodimodimo se laetsweng ke molao o lokelang wa naha e amehang eo ke butseng akhaonto ho yona.

4.3

Phetolo Sekgahleng se Dumellanweng

Ke utlwisisa hore Akhaonto ya ka e na le sekgahla sa tswala se ka fetofetohang, e leng se bolelang hore Dikgahla tse Dumellanweng tse sebetsang bakeng sa merero ya tefo Akhaontong ya ka di tla fetofetoha nako le nako ka kotloloho ho latela diphetoho tse teng sekgahleng sa referense. Nakong ya matsatsi a 30 a kgwebo a phetolo efe kapa efe e jwalo, Truworths e tla ntsebisa ka mongolo, ka setatemente sa akhaonto ya ka sa kgwedi le kgwedi kapa ho seng jwalo, mabapi le phetolo eo, e tlang ho ba ka kamano e tsitsitseng ho phetolo e amehang sekgahleng sa referense. Ka kopo sheba tefiso ya sekgahla se Hodimo sa Tswala temaneng ya 4.6.3.2.

4.4

Tswala e Theotsweng kapa e Nyahladitsweng

Ke utlwisisa hore Sekgahla se Dumellanweng ka boikgethelo ba Truworths se ka fokoletswa sekgahleng se tlase kapa sa nyahlatswa ka hohlehohle morerong wa dikgwedi tse 6 o kgethehileng le mererong e meng ya ditefo haeba e ne e fanwe ho nna ka boikgethelo ba Truworths, ka pehelo ya hore Akhaonto ya ka e ke ke ya salla morao ka ditefello empa haeba seo se etsahala Truworths e tla lefisa tswala Akhaontong ka Sekgahla sa Tswala se Hodimodimo.

4.5

Ho Thibela Tswala Diakhaontong tse Saletseng Morao ka Ditefello

Ke utlwisisa hore tswala e sebetswa hodima balanse ya letsatsi le letatsi e kolotwang Akhaontong ya ka nako le nako mme nka fokotsa tswala e lefiswang Akhaontong ya ka ka ho etsa ditefello ka nako le ka botlalo ka letsatsi le lokelang la tefo le bontshitsweng setatementeng s aka sa kgwedi le kgwedi sa akhaonto. Ke utlwisisa hore haeba ke sa etse tefello ka letsatsi le jwalo le behilweng, tswala e eketsehileng e tla lefiswa.

4.6

Ho Lefisa le ho Nyahlatsa Tswala

Tswala e lefiswang e ka nyahlatswa Akhaontong ya ka maemong a latelang:

4.6.1

Merero ya tswala e nyahladitsweng

4.6.1.1

Ke utlwisisa hore haeba ke lefa balanse e setseng Akhaontong (k.h.r. kakaretso ya akhaonto) ho Truworths pele ho letsatsi le behilweng la tefo (jwalo ka ha ho bontshitswe setetementeng sa ka sa kgwedi le kgwedi sa ditefello), ha ho tswala e tla lefiswa.

4.6.1.2

Ke utlwisisa ho feta mona hore haeba ke lefa tjhelete e lokelang ho lefuwa (k.h.r. instolemente ya kgwedi le kgwedi) ho Truworths pele ho letsatsi le behilweng la tefo, ha ho tswala e tla lefuwa bakeng sa kgwedi eo.

4.6.1.3

Ho feta mona ke utlwisisa hore haeba ke sa lefe tjhelete e lokellang ho lefuwa, kapa ke lefa tjhelete e ka tlase ho e lekantsweng ho Truworths ka letsatsi le behilweng la tefo, tswala e tla lefiswa bakeng sa nako e dipakeng tsa matsatsi a setatemente sa kgwedi e fetileng le setatemente sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase mona ka Sekgahla se Hodimodimo sa Tswala se sa feteng se fanweng ho latela temana ya 4.6.3.2 ka tlase mona, mme nka nna ka ikarabella bakeng sa ditefiso tsa tlatsetso tsa molao.

4.6.2

Merero e lefisang tswala

4.6.2.1

Ho feta mona ke utlwisisa hore haeba ke lefa feela tjhelete e lokelang ho lefuwa (k.h.r. instolemente ya kgwedi le kgwedi) ho Truworths, tswala e tla lefiswa bakeng sa nako e dipakeng tsa setatemente sa kgwedi e fetileng le sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase mona ka Sekgahla se Dumellanweng se boletsweng temaneng ya 4.1 ka hodimo mona.

4.6.2.2

Ho feta mona ke utlwisisa hore haeba ke sa lefe tjhelete e lokellang ho lefuwa, kapa ke lefa tjhelete e ka tlase ho e lekantsweng ho Truworths ka letsatsi le behilweng la tefo, tswala e tla lefiswa bakeng sa nako e dipakeng tsa matsatsi a setatemente sa kgwedi e fetileng le setatemente sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase mona ka Sekgahla se Hodimodimo sa Tswala se sa feteng se fanweng ho latela temana ya 4.6.3.2 ka tlase mona mme nka nna ka ikarabella bakeng sa ditefiso tsa tlatsetso tsa molao.

4.6.2.3

Ho feta mona ke utlwisisa hore haeba ke sa lefe tjhelete e lokellang ho lefuwa, kapa ke lefa tjhelete e ka tlase ho e lekantsweng ho Truworths ka letsatsi le behilweng la tefo, tswala e tla lefiswa bakeng sa nako e dipakeng tsa matsatsi a setatemente sa kgwedi e fetileng le setatemente sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase mona ka Sekgahla se Hodimodimo sa Tswala se sa feteng se fanweng ho latela temana ya 4.6.3.2 ka tlase mona mme nka nna ka ikarabella bakeng sa ditefiso tsa tlatsetso tsa molao.

4.6.3

Ho sebetswa ha tswala

4.6.3.1

Tswala e sebetswa ka tsela e bonolo ya letsatsi le letsatsi ka ho sebedisa mokgwa o latelang: Balanse e setseng e kolotwang Akhaontong e arolwa ka palo ya matsatsi a selemo, le ho atiswa ka sekgahla sa tswala se lefiswang ho latela tumellano ya ka ya mokitlane, ho fumana tswala e kolotwang ka letsatsi. Tswala ya letsatsi le letsatsi e fumanweng ka tsela ena e bokellanywa bakeng sa matsatsi a setatemente sa kgwedi e fetileng le sa hajwale le ho kopanngwa ho balanse e kolotwang Akhaontong ka letsatsi la setatemente sa kgwedi le kgwedi sa hajwale.

4.6.3.2

Molao wa Mekitlane wa Naha o bolela Sekgahla se Hodimodimo sa Tswala se ka lefiswang Afrika Borwa ka papiso le sekgahla seo dibanka di lefiswang tswala ka sona (repo rate), se lekanngwang nako le nako ke Banka ya Risefe ya Afrika Borwa.

 
5. Disetatemente, Ditefello le ho Tlolwa ke Ditefello

5.1

Disetatemente

Truworths e tla romela atereseng ya poso e boletsweng ho e nngwe dipakeng tsa Khoteishene kapa Kopo, kapa atereseng e fetotsweng ho latela ka moo ke tla beng ke tsebisitse Truworths, setatemente sa kgwedi le kgwedi sa akhanoto eo hara tlhahisoleseding e nngwe se tla bolela balanse e setseng ka letsatsi la ho romelwa ha setatemente, instolemente ya kgwedi le kgwedi, tjhelete ya tswala e lefuwang, tefo e lokelang ho etswa le letsatsi la tefo le behilweng. Balanse e kolotwang e bopilwe ka tjeho ya ditheko tse entsweng Akhaontong ya ka jwalo ka ha e bontshitswe diinvoeseng tse fanweng ho nna ka nako ya ho reka, mmoho le tswala efe kapa efe e dumellehang mme e dumellanweng, ditefiso tsa qalo, ditefiso tsa tshebeletso, dipremiamo tsa inshorense, ditjeho tsa tsamaiso ya ditefello tse saletseng morao le ditjeho tsa pokeletso ya mokitlane di ka lefiswa Akhaontong ya ka ha ho tlositswe ditefo dife kapa dife kapa diphetisetso tsa tjhelete tse entsweng akhaontong ya ka. Tefo e lokelang ho etswa ke instolemente ya kgwedi le kgwedi (e lekanngwang ka ho ipapisa le mo(me)rero e sebetsang bakeng sa Akhaonto ya ka) mmoho le ditjhelete dife kapa dife tse saletseng morao mmoho le tswala le ditefiso tse dumeletsweng hodima yona.

5.2

Ditefo

5.2.1

Ke dumela hore ditefo tsa akhaonto ya ka di ka etswa naheng eo akhaonto eo akhaonto ya ka e butsweng ho yona. Ke dumela ho lefa Truworths e seng ka tlase ho tefo e lokelang ho etswa kgwedi ka nngwe, ntle le ho hlakolana ha mekitlane kapa dikgulo tse etswang, pele ho kapa ka letsatsi le behilweng la tefo mme ke tiisa nke ke ka ba le tokelo ya ho hokela dipehelo dife kapa dife Tefong efe kapa efe e etswang ho Truworths. Truworths e tla lefa tefo ka nngwe eo ke e etsang Akhaontong ya ka ka letsatsi la kamohelo ya tefo e jwalo ka tsela e latelang: ya pele ke ho lefa ditefello dife kapa dife tsa tswala tse lokelang ho lefuwa kapa tse sa lefuwang, ya bobedi ke ho lefa ditefiso dife kapa dife tse lokelang ho lefuwa kapa tse sa lefuwang, ditjeo kapa ditefello le borarong ho fokotsa tjhelete ya mokitlane wa sehlooho.

5.2.2

Ke tla ba le kgetho, haeba ke na le akhaonto ya dipolokelo, ya diphetiso kapa ya tjheke, ho etsa kopo ya debite otara bakeng sa tefo ya tjhelete e lokelang ho lefuwa ho Truworths kgwedi ka nngwe. Debite otara e tla bolela hore tefo e tla hulwa ka letsatsi lefe kapa lefe la kgwedi le kgethilweng ke nna. Truworths e na le tokelo ya ho teka tefiso ya debite otara hape ho banka ya ka le matsatsing a sa bolelwang ke nna debite otareng ho fihlela nako eo ditlameho tsa ka tsa mokitlane di phethilweng.

5.3

Ho Tlolwa ke Ditefello le ho Phediso ya Akhaonto

5.3.1

Ke dumela hore ke tla be ke tlotswe ke tefello tlasa tumellano ena haeba:

5.3.1.1

Ke hloleha ho lefa bonyane 90% ya tjhelete e lokelang ho lefuwa ka letsatsi le behilweng la tefo.

5.3.1.2

Akhaonto ya ka kamora mona e tla dula e saletse morao ditefellong bakeng sa matsatsi a 30 a latelanang a tla fihla ntle leha ke lefile bonyane 90% ya tjhelete e lokelang ho lefuwa ka letsatsi le latelang le behilweng la tefo.

5.3.2

Ho hloleha ha ka ho ikamahanya le dipehelo tsa tumellano ena kapa haeba lefa la ka le phethiswa haeba ke eshwa kapa haeba ke tlotswe ke tefello ya ditlameho tsa ka ho Truworths jwalo ka ha ho hlalositswe temaneng ya 5.3.1 ka hodimo mona, mme jwale:

5.3.2.1

Ditjhelete tsohle tseo ke di kolotang Truworths di tla tshwanele le ho tlameha ho lefuwa hanghang.

5.3.2.2

Truworths e ka fanyeha Phumantsho ya ka ya Mokitlane.

5.3.2.3

. Truworths e ka fokotsa Moedi wa Mokitlane s aka le/kapa Moedi wa Akhaonto ntle le ho ntsebisa.

5.3.3

Truworths ho feta mona, ha e fane ka tsebiso ya nako ya matsatsi a 20 a kgwebo, e ka fedisa Phumantsho ya ka ya Mokitlane ka ho ipapisa le dipehelo tse amehang tsa Molao wa Mekitlane wa Naha, haeba ho lokeleha, e ka hloka hore ke lefe balanse e kolotwang Akhaontong ya ka hanghang.

 
6. Ditheko tsa Selefounu

6.1

Ditheko tsa diselefounu le dikarolwana tsa tsona Akhaontong ya ka ya Truworths di tla dumellwa feela kamora dikgwedi tse 6 ho tloha ka letsatsi la ho bulwa ha akhaonto le feela haeba thepa ya Truworths e rekilwe nako le nako akhaontong e jwalo.

6.2

Ho fihla moo molao o dumellang, ha ho sa ntse ho na le tjhelete e kolotwang mabapi le (di)selefounu tse rekilweng ka Akhaonto ya ka ya Truworths, ka taelo ya Truworths ho mofani wa tshebeletso (di)selefounu di ka kgaolwa kgokelong ya leqhubu haeba tefo e lokelang ho etswa Akhaontong ya ka e sa etswa ka letsatsi le behilweng la tefo. Hang ha ditefo tse saletseng morao di lefilwe ka botlalo (di)selefounu tse rekilweng ka Akhaonto ya ka ya Truworths di ka hokelwa hape ka kopo ya ka le ka ho lefa tefiso efe kapa efe ya kgokelo botjha e ka lefiswang ke mofani wa tshebeletso.

6.3

Diselefounu di ka rekwa feela morerong wa tefo o lefisang tswala wa dikgwedi tse 6.

6.4

Ke ananela hore diselefounu le thepa e kathoko ya diselefounu e tla rekiswa feela mabenkeleng a itseng le dinaheng tse itseng tse tla fanwa ka boikgethelo ba Truworths e le nngwe.

 
7. Ditheko tse sa Dumellwang Akhaontong ya ka

Ke utlwisisa hore tse ding tsa ditsiane tseo ke nang le tokelo ya tsona hajwale ka ho lefa tefiso ya selemo le selemo ya tshebeletso ke Ditsiane tsa Tshireletso Kgahlanong le Boqhekanyetsi. Ditsiane tsa Tshireletso Kgahlanong le Boqhekanyetsi di ntshireletsa kgahlanong le ditheko tse sa dumellwang le/kapa tsa boqhekanyetsi Akhaotong ya ka. Ha feela ke tlalehile (di)theko tse jwalo, Truworths e ke ke ya ntjarisa boikarabello ba tsona ntle le haeba tshaeno ya ka e hlahella invoeseng kapa bopaki bo bong ba theko kapa Truworths e ka fumana hore ke fane ka tumello kapa ke a ikarabella bakeng sa (di)theko tse jwalo.
 
8. Inshorense ya Tshireletso ya Balanse ya Akhaontoi

Truworths ka boikgethelo ba yona e ka etsa Inshorense ya Tshireletso ya Balanse ya Akhaonto tlameho ya ho ba le Akhaonto ya Truworths. Boemong bona nka sebedisa tokelo ya ka ya ho nkela sebaka Inshorense ya Tshireletso ya Balanse ya Akhaonto ka inshorense e sele ya ka ya sebopeho se tshwanang le ena, ha feela ke fane ka bopaki bo kgotsofatsang Truworths hore Truworths e rekotilwe jwalo ka majalefa a tahlehelo pholising ya ka.

Haeba ke na le Inshorense ya Tshireletso ya Balanse ya Akhaonto ya Truworths ke dumela ho tlangwa ke ditlhoko le dipehelo tsa pholisi e amehang tse fumanehang sebakeng sa thekiso mmoho le webosaeteng ya Truworths. Truworths e tla debita Akhaonto ya ka kgwedi le kgwedi ka premiamo e hlokang ho lefuwa ho latela Inshorense ya Tshireletso ya Balanse ya Akhaonto. Netefatso ya inshorense e jwalo le dintlha tsa pholisi di tla romelwa ho nna ke Rainshorense.

 
9. Tlhahisoleseding ya Hao le ya Sephiri

9.1

Ke dumela hore Truworths e ka kopa le ho amohela tlhahisoleseding efe kapa efe ya ka ya sephiri le ya bareki ho tswa ho biro efe kapa efe ya mekitlane, rejistareng e nngwe kapa ho motho ya ka thoko ka nako efe kapa efe, ho kenyeletswa ho kopa dintlha tsa tsa mekitlane ho biro le ho netefatsa hore tumelo ena e kenyeletsa hape le tlhahisoleseding e jwalo e se ntse e amohetswe ke Truworths. Truworths hape e ka arolelana ka tlhahisoleseding ena ya sephiri le ya moreki ya mekitlane (ho kenyeletswa tlhahisoleseding e mabapi le ho se ikamahanye le ditlameho tsa ka tlasa Tumellano ya ka) mmoho le tlhahisoleseding efe kapa efe e mabapi le Akhaonto ya ka, ho kenyeletswa Kopo ya ka, ho bulwa le ho kwalwa ha Akhaonto ya ka, le mofani ofe kapa ofe le biro ya mekitlane bakeng sa, hara dintho tse ding, merero ya dibiro tse jwalo tsa mekitlane ya ho arolelana ka tlhahisoleseding e jwalo le bafani ba bang ba mekitlane ba ka bang teng ba kamoso le dibiro tsa mekitlane. Ke utlwisisa hape hore biro ya mekitlane e fana ho bafani ba mokitlane ka profaele, le mohlomong hape dintlha tsa ka tsa bokgoni ba mekitlane, ka ho ipapisa le tlhahisoleseding eo Truworths e e arolelanang le biro e jwalo.

9.2

Ke utlwisisa tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane e ka sebediswa ke Truworths bakeng sa dipapatso tsa merabaka le merero e meng ya tlatsetso le bakeng sa tekolo ya kotsi le manollo le ho aba dintlha le bakeng sa mabaka a akaretsang a kgwebo ya.

 
10. Dibiro tsa Mekitlane

10.1

Truworths e ka hlahisa tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane jwalo ka ha ho hlakisitswe ka hodimo mona, ho dibiro tsa mekitlane e latelang:

10.1.1

Compuscan

Mohala: +27 (0)21 888 6000 +27 (0)21 888 6000
Fekse: +27 (0)21 883 2336
Imeile: info@compuscan.co.za
Aterese ya Sebaka: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
Aterese ya Poso: PO Box 1028, Stellenbosch, 7599, South Africa

10.1.2

Experian

Mohala: +27 (0)11 799 3400 +27 (0)11 799 3400 or 086 110 5665
Fekse: +27 (0)11 707 6700/6786
Imeile: info@experian.co.za or morpheus@experian.co.za
Aterese ya Sebaka: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
Aterese ya Poso: PO Box 98183, Sloan Park, 2152, South Africa

10.1.3

TransUnion

Mohala: 0861 482 482
Fekse: +27 (0)11 388 2454
Imeile: creditbureau@transunion.co.za
Aterese ya Sebaka: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
Aterese ya Poso: PO Box 4522, Johannesburg, 2000, South Africa

10.1.4

XDS

Mohala: +27 (0)11 645 9100 +27 (0)11 645 9100
Fekse: +27 (0)11 484 6588
Imeile: info@xds.co.za
Aterese ya Sebaka: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
Aterese ya Poso: PO Box 30987, Braamfontein, 2017, South Africa

10.1.5

Insizakalo Yokunqanda Ukukhwabanisa YaseNingizimu Afrika (South African Fraud Prevention Services)

Usizo: 0860 101 248
Mohala: +27 (0)11 867 2234 +27 (0)11 867 2234
Fekse: +27 (0)11 867 2315
Imeile: safps@safps.org.za
Aterese ya Sebaka: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
Aterese ya Poso: PO Box 2629, Alberton, 1450, South Africa


le dibiro tse ding tsa mekitlane tseo Truworths e ka sebedisanang le yona nako le nako.

10.2

Ke utlwisisa hore ka nako efe kapa efe nka ikopanya le biro ya mekitlane mme ka kopa hore ke senolelwe tlhahisoleseding ya ka ya bareki. Ho feta mona nka hanyetsa tlhahisoleseding efe kapa efe e tshwerweng ke biro ya mekitlane eo ke dumelang hore ha e a nepahala.

10.3

Truworths hape a ka fana ka tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane le ditlwaelo tsa ho etsa ditheko ho dikhampani tse sebeletsanang le yona kapa makalana kapa mang kapa mang ya amehang mabapi le thibelo le tshireletso kgahlanong le tlolo ya molao.

10.4

Ke utlwisisa hore ho latela dipehelo tsa molao wa Afrika Borwa wa thibelo ya phetolelo ya tjhelete e tswang mesebetsing ya botlokotsebe hore e amohelehe, Truworths e na le tlameho ya ho tlaleha dikgwebisano tse belaetsang kapa tse sa tlwaelehang tse amang diketso tse seng molaong ho latela ditlameho tse behilweng hodima dikgwebo mabapi le taba ena.

11. Pusetso ya Thepa e Rekilweng
 

11.1

Dipusetso le Diphapanyetsano

Truworths e tla ntumella ho kgutlisa kapa ho fapanyetsana ka thepa e rekilweng nakong ya matsatsi a 30 ho tloha letsatsing la theko ha feela:

11.1.1. Invoese ya pele kapa rasiti ya mpho e fanwa jwalo ka bopaki ba theko ha thepa e busetswa.
11.1.2. Tekete (swing) ya theko e sa ntse e hoketswe.
11.1.3. Ntho eo ha e a aparwa kapa ho sebediswa.
11.1.4. Ntho eo e sa ntse e le boemong le pakaneng ya yona e ntjha.
11.1.5. Ntho e rekisitsweng mmoho dimpho tsa promoushene di kgutliswa mmoho le mpho ya tsona.
11.1.6. Ntho e kgutlisetswa naheng eo e rekilweng ho yona.

11.2

Dipuseletso tsa tjhelete

Truworths e tla dumella pusetso e feletseng ka mokgwa o neng o sebedisitswe wa theko kapa e kenye tjhelete Akhaontong ya Truworths haeba:

11.2.1. Ditlhoko tsohle tse boletsweng karolong ya 11.1 ka hodimo mona di phethahaditswe.
11.2.2. Monga kredite karete le karete e amehang ba le teng bakeng sa pusetso ya kredite kareteng.
11.2.3. Ha ho puseletso e tla sebetswa boemong ba ha rasiti ya mpho e fanwa ntle le haeba invoese ya pele le yona e fanwa ka nako e le nngwe.

11.3

Leha ho le jwalo, ka hodimo ho ho phethisa dipehelo tse karolong ya 11.1 le 11.2, ke Iemoha hore:

11.3.1. Mabenyane, diwatjhe (tse nang le tiisetso ya thepa) le dikokoloso di tlameha kgutlisetswa lebenkeleng le nang le mabenyane a bobebe nakong ya matsatsi 14.
11.3.2. Diaparo tsa ho sesa di tlameha hore di be le seterepe sa tshireletso se sa ntseng se hoketswe ho tsona.
11.3.3. Diselefounu di tlameha ho kgutlisetswa lebenkeleng le nang le khaontara ya diselefounu mme di tla laolwa ke Leano la Dipusetso tsa Thepa la MTN.
11.3.4. Ditlolo le diphefume tsohle di tlameha ho kgutlisetswa lebenkeleng le nang le lefapha la ditlolo le rekisang mofuta oo wa setlolo.

11.4

Tse sa kgutlisweng

Ha ho diaparo tsa kahare, dikarete tsa dimpho, moya wa selefounu wa “prepaid” kapa mabenyane a hlabang mmele (ho kenyeletswa masale) tse tla dumellwa.

11.5

Thepa e Senyehileng

Thepa e nang le diphoso tsa femeng e tla buseletswa tjhelete ka thabo kapa e fapanyetsanwe ka thepa e nngwe haeba:

11.5.1. Thepa e jwalo e kgutlisetswa ho Truworths nakong ya dikgwedi tse tsheletseng (6) kamora hore ke e amohele.
11.5.2. Nka fana ka bopaki ba theko.
11.5.3. Thepa e kgutlisetswa naheng eo e rekilweng ho yona.
11.5.4. Thepa e sebedisetswe morero oo e o etseditsweng.
11.5.5. Ntho eo e tlameha hore e be e hlokometswe ho latela leibole ya ho hlatsuwa/tlhokomelo.

Bakeng sa Leano la Diputsetso tsa Thepa ka kopo etela www.truworths.co.za

 
12. Ditefiso le Ditjeho tsa Akhaonto

12.1

Ke utlwisisa hore Truworths e tla ntefisa tefiso ya tshebeletso bakeng sa ditjeho tse tlwaelehileng tsa tsamaiso mme hajwale e mpha tokelo ya Ditsiane tsa Tshireletso Kgahlanong le Boqhekanyetsi. Tefiso e lefuwang ka nako e amehang e tla hlakiswa Khoteisheneng le/kapa ke e tsebiswe ka mongolo, mme e debitwe Akhaontong ya ka hang ka selemo. Tefiso ena ha e busetswe mme e tla lefiswa Akhaontong ya ka selemo ka seng ka nako eo e tla lokela ho lefuwa ho Truworths ka botlalo. Ka boikgethelo ba Truworths tefiso ya selemo le selemo ya tshebeletso e ka eketswa nako le nako ha fela e sa tlo feta moedi o behilweng ke Molao wa Mekitlane wa Naha, haeba ho lokeleha. Tefiso ya tshebeletso ya selemo le selemo e ka behellwa thoko nako le nako ka boikgethelo ba Truworths e le nngwe.

12.2

Truworths e na le tokelo ya ho ntefisa tefiso ya qalo ha ke bula Akhaonto ya ka (tjhelete ya yona e tla bolelwa Khoteisheneng mme e ka lefuwa ke nna e sa le qalong kapa pele ho fapana le hore e kopanngwe balanseng eo ke e kolotang).

12.3

Truworths e na le tokelo ya ho ntefisetsa:

12.3.1

Tefiso ya ho tlolwa ke ditefello haeba Akhaonto ya ka e ka salla morao ditefellong kapa haeba nka tlola tumellano ena, mme ditjeho dife kapa dife tsa pokello ya mokitlane tseo Truworths e ka bang le tsona ha e phethisa ditlameho tsa ka tsa ditjhelete tlasa tumellano ena ho kenyeletswa ditefiso tsa boramolao tse sa tlo feta tse dumeletsweng ke Molao wa Babuelli ba Molao, Molao wa Lekgotla le Phahameng, Molao wa Lekgotla la Maseterata le Molao wa Pokeletso ya Mekitlane. Ditefiso, ditefello le ditjeho tsena di ke ke tsa phahama ho feta ka moo di dumeletsweng ke Molao wa Mekitlane wa Naha, haeba ho lokeleha.

12.3.2

Ditjeho tsohle tse amanang le phetisetso ya Akhaonto ya ka ho lekalana la pokeletso ya mekitlane bakeng sa ho fumana tjhelete e saletseng morao.

12.3.3

Tefiso e ipapisang le tshebeletso e fanweng e ka lefiswa ke Truworths le ho debitwa Akhaontong ya ka bakeng sa ditjheke tse fanweng ke nna le ho kgutliswa ke banka ka lebaka lefe kapa lefe kapa bakeng sa didebite otara tse sa sebetswang ke banka ka lebaka la ho hloka tjhelete akhaotong ya banka.

13. Dipehelo tse Ding

13.1

Ke kgetha aterese ya ka ya bodulo e boletsweng Khoteisheneng kapa Kopong ya ka (kapa aterese e jwalo e fapaneng e hlalositsweng ke nna ho latela temana ya 13.2) bakeng sa ho amohela tokomane efe kapa efe ya molao. Mabapi le Tumellano ena le dikgwebisano tsohle le Truworths, molao wa Afrika Borwa o a sebetsa.

13.2

Ke tla tsebisa Truworths hanghang mabapi le phetoho efe kapa efe dintlheng tsa ka tsa boikopanyo ho kenyeletswa, mme e seng feela, bakeng sa aterese ya ka ya kgwebo, ya poso kapa ya bodulo, (di)nomoro ya ka ya founu ya lapeng, ya mosebetsi kapa ya selefounu, le aterese ya ka ya imeile.

13.3

Haeba ke bile le Akhaonto ya Truworths nakong e fetileng mme ka e kwala nakong ya dilemo tse tharo kamora ho etsa kopo ya Akhaonto e ntjha ya Truworths, Truworths e na le tokelo ya ho hula diphano dife kapa dife tsa promoushene tse hokahaneng le Akhaonto ena e ntjha.

13.4

Haeba ke nyetse/tswe ka lenyalo la kopanelo ya dithoto ke netefatsa hore ke fumane tumello ya molekane wa ka ya ho bula Akhaonto ena le ho amohela dikeketso ho Moedi wa Mokitlane le/kapa Moedi wa Akhaonto o sebetsang bakeng sa Akhaonto ya ka.

13.5

Truworths le makalana afe kapa afe a yona a dumeletsweng e tla ba le tokelo ya ho disa le/kapa ho rekota (di)puisano tsa ka tsa founu kapa selefounu tseo ke di etsang le basebetsi bafe kapa bafe ba yona bakeng sa merero ya thupelo, dipokeletso tsa mokitlane kapa bakeng sa sehopotso sa kamoso.

13.6

Lesedi lefe kapa lefe le mabapi le nna leo Truworths e ka bang le tokelo ho lona ho latela tumellano ena le ka fumaneha ho moreki ofe kapa ofe ya ka bang teng kapa ya fetiseditsweng ho motho ofe kapa ofe haeba motho ya jwalo a fumane taolo ya Truworths.

13.7

Nolofaletso kapa nyehlisetso efe kapa efe eo ke e fuweng ke Truworths e ke ke ya nkuwa jwalo ka nyahlatso ya ditokelo tsa Truworths ho latela Tumellano ena ya Mokitlane.

14. Dikganyetsano le Ditletlebo tsa Akhaonto

14.1

Nka nna, ka nako efe kapa efe, ka fetisetsa tletlebo e mabapi le Tumellano ena ho moemedi wa tharollo ya dikgohlano ya fapaneng, lekgotla la bareki kapa kapa fetisetsa kganyetsano e mabapi le Tumellano ena ya Mokitlane ho Monamodi wa Mekitlane, Khomishene ya Naha ya Bareki kapa Molaodi wa Mekitlane haeba akhaonto ya ka e butswe Afrika Borwa, kapa setheong kapa bolaoding bofe kapa bofe bo lokelehang kahara naha eo ke butseng akhaonto ya ka ho yona.

Molaodi wa Mekitlane (Ombud) Naha a ka fumanwa ho:
Mohala: 0861 OMBUDS (0861 662837)
Fekse: 086 683 4644
Imeile: ombud@creditombud.org.za
Aterese ya Sebaka: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Aterese ya Poso: PO Box 805, Pinegowrie, 2123, South Africa
Webosaete: www.creditombud.org.za

Molaodi wa Mekitlane Naha a ka fumanwa ho:
Mohala: 0861 OMBUDS (0861 662837)
Fekse: 086 683 4644
Imeile: ombud@creditombud.org.za
Aterese ya Sebaka: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Aterese ya Poso: PO Box 805, Pinegowrie, 2123, South Africa
Webosaete: www.creditombud.org.za

Khomishene ya Bareki ya Naha e ka fumaneha ho:
Nomorong ya Karolelano ya Ditjeho (Share Call): 0860 266 786
Fekse: 0861 515 259
Imeile: ncc@thedti.gov.za
Webosaete: www.nccsa.org.za

14.2

Haeba ke ba le kgwao e mabapi le nepahalo ya setatemente sa ka sa kgwedi le kgwedi kapa kganyetsano mabapi le ditheko tsa thepa tse botshitsweng ho sona, ke tla tsebisa Truworths nakong ya matsatsi a 60 ho tloha ka letsatsi leo setatemente se jwalo se fanweng.

15. Dikeletso tsa Mekitlane

Temana ena e sebetsa feela bakeng sa diakhaonto tse butsweng Afrika Borwa.

Ke netefatsa hore ka nako eo ke etsang kopo ya ka ya Akhaonto ho Truworths boemo ba ka ba mekitlane bo ne sa se tlasa tekanyo kapa tlhahlobo ya mekitlane ke moeletsi wa mekitlane jwalo ka ha lebeletswe karolong ya 86 ya Molao wa Mekitlane wa Naha. Ke utlwisisa hore ka nako efe kapa efe nka ikopanya le moeletsi wa mekitlane ho nthusa mabapi le ho laola mekitlane ya ka.

Tshebetso e lokelang ho latelwa ke:

15.1

Ho ikopanye le moeletsi ofe kapa ofe wa mekitlane

15.2

Ho lefa tefiso e lokelang le ho tlatsa foromo e fanweng ho nna ke moeletsi wa mekitlane.

15.3

Moeletsi wa mekitlane o tla etsa tlhahlobo ya mekitlane le ho fana ka qeto mabapi le hore na ho etswa ha Phumantsho ena ya Mokitlane ho entswe ka bohlaswa.

15.4

Haeba ke ne ke sa imelwa ke mekitlane ka nako eo Phumantsho ya Mokitlane ena e etswang, moeletsi wa mekitlane o tla fedisa tshebetso ya tlhahlobo ya mekitlane mme ditlameho tsa ka ho Truworths di tla tswelapele.

15.5

Haeba ke ne ke imetswe ke mekitlane ha Phumantsho ena ya Mokitlane e ne e etswa, moeletsi wa mekitlane o tla etsa kgothaletso le ho e fetisetsa ho Lekgotla kapa Lekgotlana le amehang bakeng sa hore tumellano e phatlalatswe e bile e bohlaswa.

15.6

Haeba ke sa imelwa ke mekitlane, empa moeletsi wa mekitlane a dumela hore ke tla ba le mathata a ho lefa mokitlane wa ka, ke moo moeletsi wa ka wa mekitlane a tla hlahisa hore Truworths le nna re sekaseke le ho dumellana ka morero wa tlhophisobotjha ya mokitlane.

 
16. Mahlakore le Pharallo ya Tumellano

16.1.1. Mofani wa mokitlane ho latela Tumellano ya Mokitlane:
16.1.1.1. haeba ke butse Akhaonto ya ka Afrika Borwa ke Truworths Limited (nomoro ya ngodiso ke 1940/013923/06), e ngodisitsweng jwalo ka mofani wa mekitlane tlasa nomoro ya NCRCP45;
16.1.1.2. haeba ke butse Akhaonto ya ka Namibia ke Truworths (Namibia) Limited (nomoro ya ngodiso ke 492);
16.1.1.3. haeba ke butse Akhaonto ya ka Swaziland ke Truworths (Swaziland) Limited (nomoro ya ngodiso ke 108/1961);
16.1.1.4. haeba ke butse Akhaonto ya ka Botswana ke Truworths (Botswana) Limited (nomoro ya ngodiso ke CO2007/5848); e No. 1 Mostert Street, Cape Town, South Africa (e boletsweng tokomaneng ena e le “Truworths”)  

16.1.2

Ke moreki/moamohedi wa phano ya mokitlane mme diaterese tsa ka di fanwe ke nna Khoteisheneng kapa Foromong ya Kopo kapa tsa fetolwa kamorao ke nna ka ho tsebisa Truworths.

16.1.3

Ha ho tjhelete e kileng ya, kapa e hlokehang, ho lefuwa ke nna e le tefo ya qalo (k.h.r. jwalo ka diphositi) ho latela Tumellano ya Mokitlane.

16.1.4

Tumellano ena ya Mokitlane e mabapi le diaparo le thepa ya feshene, ho kenyeletswa mabenyane, dihlahiswa tsa ditlolo le diselefounu le/kapa dihlahiswa kapa ditshebeletso tse ding, tse hlalositsweng diinvoeseng tse fanweng ho nna kamora ditheko tseo ke di entseng mabenkeleng a Truworths le/kapa webosaeteng ya Truworths.

16.2

Ke netefatsa hore kena le maemo a molao a ho kenela Tumellano ena.

 
17. Tefo e Feletseng Pele ho Nako

Ke utlwisisa hore ka nako efe kapa efe nka lefa Tumellano ya ka ya Mokitlane ka botlalo pele ho nako e behilweng ka ho lefa Truworths tjhelete e feletseng e kolotwang ka letsatsi la tefo e feletseng. Tjhelete e feletseng e tla botjwa ka mokitlane wa sehlooho se sa lefuwang (e leng tjhelete ya balanse e kolotwang e sa kenyeletseng tswala le ditefiso tse ding tse setatementeng sa ka) mmoho le tswala efe kapa efe kapa ditefiso tse ding tse bokellaneng ho fihlela letsatsi la tefo e feletseng.
 
18. Phediso ya Akhaonto ke Moreki

Ke utlwisisa hore ka nako efe kapa efe nka fedisa Tumellano ya ka ya Mokitlane ka ho lefa Truworths tjhelete e feletseng (jwalo ka ha ho boletswe ka hodimo mona) e kolotwang ka letsatsi la phediso ya Akhaonto. Haeba ho se tjhelete e jwalo e kolotwang, ke utlwisisa hore ke tlameha ho tsebisa Truworths ka maikemisetso a ka a ho fedisa Tumellano ya Mokitlane.
 
19. Moedi wa Mokitlane le/kapa Ditekanyo tsa Moedi wa Akhaonto ke Moreki

Ke utlwisisa hore ka tsebiso ya mongolo ho Truworths nka fokotsa ka nako efe kapa efe Moedi wa Mokitlane le/kapa Moedi wa Akhaonto o sebetsang bakeng sa Phumantsho ya Mokitlane ya ka, kapa ka ipehela Moedi wa Mokitlane le/kapa Moedi wa Akhaonto oo ke ikemiseditseng ho o amohela Phumantshong ya Mokitlane.
 
20. Dihlomathiso Tumellanong

Truworths, kamora ho fuwa tsebiso ya bonyane matsatsi a 5 (hlano) a kgwebo e ka fetola ditlhoko le dipehelo tsena ha feela diphetoho tse jwalo di fokotsa boikarabello b aka tlasa Tumellano ya Mokitlane le Truworths, le/kapa ho eketsa ka ho iketsa Moedi wa Mokitlane o sebetsang bakeng sa Phumantsho ya Mokitlane ya ka hang ka selemo haeba ke kgethile ho etsa jwalo. Diphetoho dife kapa dife tse ding Tumellanong ya ka ya Mokitlane di tla etswa ka tumellano ya mahlakore bobedi dipakeng tsa ka le Truworths mme e tla rekotwa ka mongolo.
 
21. Tshielano ya Molao (Cession) ya Tumellano

Truworths e tla ba le tokelo, ntle le tsebo ya ka, ho ka sielana ka molao (fetisa) ditokelo dife kapa dife tsa yona le ho romeletsa (fetisa) boitlamo ba yona ho latela Tumellano ena ya Mokitlane ho motho wa boraro.
 
22. Phatlalatso e Mabapi le Ditumellano tse Entsweng Pele ho la 1 Phuptjane 2007

Haeba Tumellano ya Mokitlane ya ka e kenetswe pele ho la 1 Phuptjane 2007 ho rekotwa hore hobane mokitlane o se fanweng ho nna e bile sa sebopeho sa Phumantsho ya Mokitlane e iphetaphetang, tlhahisoleseding e latelang hajwale ha e tsejwe mme ha e kgone ho tsejwa e sa le pele ho nako:

22.1

Boleng ba theko ba thepa eo ke tla e rekisetswa ke Truworths nakong ya Phumantsho ena ya Mokitlane e iphetaphetang.

22.2

Tjhelete ya ditefello tse ding tse boletsweng tokomaneng ena e tla ba karolo ya balanse eo ke e kolotang.

22.3

Karolo e amehang ya balanse e kolotwang ke nna e thehang mokitlane wa sehlooho.

22.4

Tjhelete ya tswala kapa ditefello tsa tsa ditjhelete tse lefiswang karolong e amehang ya balanse e kolotwang ke nna ho latela temana ya 4 ya tokomane ena.

22.5

Sekgahla sa tswala se tla lefiswa, seo ka tlwaelo se tsejwang ka hore ke sekgahla sa selemo le selemo sa tsa ditjhelete, ho latela temana ya 4 ya tokomane ena kapa karolo e emahang ya balanse e kolotwang ke nna.

22.6

Matsatsi, palo le ditjhelete tsa diinstolemente tsa kgwedi le kgwedi moo ke tla lefa balanse eo ke e kolotang.

23. Lenaneo la Tlhapiso ya Botshepehi (Loyalty Programme)

Beng ba diakhaonto tsohle tse teng hajwale le bakopi bohle ba mokitlane (bakopi ba mokitlane ba laolwa ke ditlhoko le dipehelo tse boletsweng kahare mona empa ho sa natswe hore na mokitlane o feela o fanwe kapa tjhe) ba tshwaneleha ka tsela e iketsahallang hore ba ka nka karolo Lenaneong la Tlhapiso ya Botshepehi.
24. Ho kgaolwa

Haeba ho etsahala hore e le nngwe kapa ho feta ya dipehelo tse tshetsweng ke Tumellano ena ya Mokitlane di fumanwe ka lebaka lefe kapa lefe hofe di hloka matla, ha di molaong kapa ha di phethisehe ka tsela efe kapa efe, tlhokeho e jwalo ya matla, ho se be molaong kapa ho se phethisehe ho jwalo ho ke ke ha ama dipehelo dife kapa dife tsa Tumellano ena ya mokitlane, mme di tla nkuwa jwalo ka ha eka pehelo e jwalo e hlokang matla, e seng molaong kapa e sa phethiseheng ha e a ka ya tloha e kenyeleditswe, mme Tumellano ya Mokitlane e tla phethahatswa ka tsela e atametseng kgonahalo ka hohle ka moo ho ka bang ka teng ho latela ditlhoko le maikemisetso a hona a qalong.
 
25. Phatlalatso ho Latela Molao wa Tshireletso ya Bareki

Truworths e sebetsa Afrika Borwa jwalo ka moemedi wa Hollard Life Assurance Company Limited le Hollard Life Insurance Company Limited kgothaletsong le phanong ya Inshorense ya Tshireletso ya Balanse ya Akhaonto le Inshorense ya Selefounu ka tlhahlamano. E fana mona ka tlhahisoleseding e jwalo ya tlatsetso e sa bolelwang ka hodimo mona, jwalo ka ha ho hlokeha ho latela karolo ya 27 ya Molao wa Tshireletso ya Bareki le molawana wa 9 wa Melawana e fanweng teng.

Truworths e ka fihlellwa ho:

Mohala: +27 (0)21 520 2300
Aterese ya Poso: PO Box 4775, Cape Town, 8000, South Africa
Fekse: +27 (0)21 520 7277
Imeile: services@truworths.co.za
Moofisiri wa Truworths wa dikamano le setjhaba ke Annalize Kirsten, eo ho ka ikopanngwang le yena ho +27 (0)21 460 7911.
TW/TC/E/9/2016

 
Truworths Limited: Inombolo yokubhaliswa 1940/013923/06 (uma i-akhawunti yami yavulwa eNingizimu Afrika); Truworths (Namibia) Limited: Inombolo yokubhaliswa 492 (uma i-akhawunti yami yavulwa eNamibia); Truworths (Swaziland) Limited: Inombolo yokubhaliswa 108/1961 (uma i-akhawunti yami yavulwa eSwazini); Truworths Botswana (Pty) Limited: Inombolo yokubhaliswa CO2007/5848 (uma i-akhawunti yami yavulwa eBotswana)

No. 1 Mostert Street, Cape Town, South Africa (kusukela lapha ebizwa ngokuthi "i-Truworths")

IMIGOMO NEMIBANDELA YE-TRUWORTHS YOKUFAKA ISICELO, KANYE NOKUNIKEZWA ISIKWELETU NEYOKUDAYISA

1. Isivumelwano Sesikweletu

1.1

giyaqonda ukuthi kwenziwe iSivumelwano Sesikweletu, esiyiSikweletu Esivuselelwa njalo (“Ukuthenga Ngesikweletu”), phakathi kwami ne-Truworths.

1.2

ISivumelwano Sesikweletu enginaso ne-Truworths simiswe yiFomu Lesicelo Sokuvula I-akhawunti (uma ngagcwalisa futhi ngalisayina leli fomu) (“iSicelo”) kanye/noma iSitatimende Esandulela ISivumelwano Nesilinganiso (“iSilinganiso”) uma sikhona kanye/noma incwadi esayinwe yi-Truworths engazisa ukuthi nginikezwe ithuba lokuThenga Ngesikweletu, kanye nemigomo nemibandela echazwe kule ncwadi kanye nanoma yiziphi izichibiyelo zeSivumelwano Sesikweletu ezibhalwe phansi futhi engizivumayo.

1.3

Ngiyaqonda ukuthi imigomo nemibandela esebenza eSivumelwaneni sami Sesikweletu kanye nokudayiswa kwezimpahla yi-Truworths ngazo zonke izikhathi izoba ngaphansi kwemibandela yoMthetho Wezikweletu Kazwelonke onguNombolo 34 wezi-2005 (“Umthetho Wezikweletu Kazwelonke”) kanye noMthetho Wokuvikelwa Kwabathengi onguNombolo 68 wezi-2008 (“Umthetho Wokuvikelwa Kwabathengi”), uma kunesidingo, nanoma yiziphi izimiso zomthetho ezithintekayo, futhi uma kuba khona ukungqubuzana phakathi kwanoma yimuphi umthetho nale migomo nemibandela umthetho yiwona ozonqoba.

2. UMkhawulo Wesikweletu, UMkhawulo Nokwenyuswa Kwe-akhawunti

2.1

UMkhawulo Wesikweletu

Isikweletu Sami (“I-akhawunti” yami) izonikezwa umkhawulo wesikweletu ophezulu (“Umkhawulo Wesikweletu”) njengoba unqunywe yi-Truworths, futhi ngokuvumelana nezidingo zoMthetho Wezikweletu Kazwelonke eNingizimu Afrika, kanye nemibandela yemithetho ethintekayo efanele kwamanye amazwe. Umkhawulo Wesikweletu uzocabangela umholo wami wanyanga zonke engingawusebenzisa ngemva kokukhishwa kwazo zonke izindleko zenyanga zasendlini emholweni womndeni wami wanyanga zonke (“Amandla Okuthenga”), engizowunika i-Truworths ngesikhathi sokuhlaziywa kwaMandla Okuthenga. Ngiyaqonda ukuthi i-Truworths ngokombono wayo ingenyusa lo Mkhawulo Wesikweletu okwesikhashana ngenxa yesicelo sami, ukuze ngikwazi ukuthenga izimpahla ezithile ebeziyokwenza ukuba ngeqele ngalé kwalo Mkhawulo Wesikweletu. Ngiyaqonda ukuthi Umkhawulo Wesikweletu osebenza ngaphambi kwalokhu kwenyuswa kwesikhashana uyosebenza futhi uma ibhalansi engiyikweletayo ku-Akhawunti yami isingaphansi kwalowo Mkhawulo. I-Truworths ingase yenyuse Umkhawulo Wesikweletu osebenza ku-Akhawunti yami ngemvume yami noma ngesicelo sami, kodwa ngemva kokucabangela izidingo zoMthetho Wezikweletu Kazwelonke, uma uthinteka. Ngaphezu kwalokho, uMkhawulo Wesikweletu sami ungenyuswa ngokuzenzekelayo njalo ngonyaka, inqobo nje uma ngivumile ukuthi kwenziweukwenyuswa okunjalo ngokuzenzekelayo. Ngiyaqonda ukuthi kufanele ngitshele i-Truworths uma aMandla ami Okukhokha eshintsha (eba bucayi) ngemva kokuhlaziywa kokuqala kwaMandla Okukhokha ngesikhathi uMkhawulo Wesikweletu sami unqunywa okokuqala.

2.2

UMkhawulo We-akhawunti

Ngiyaqonda ukuthi ngokombono wayo i-Truworths inganginika uMkhawulo We-akhawunti (“uMkhawulo We-akhawunti”) ngenani eliphansi kunoMkhawulo Wesikweletu engiwubekelwe okukhulunywa ngawo esigabeni 2.1 ngenhla. Lo Mkhawulo We-akhawunti ngizowunikwa, ukhushulwe futhi wehliswe ngezikhathi ezithile ngokombono we-Truworths futhi usekelwe endleleni engiyisingatha ngayo i-Akhawunti yami. Ngiyaqonda ukuthi i-Truworths ngokombono wayo ingenyusa uMkhawulo We-akhawunti okwesikhashana ngenxa yesicelo sami, ukuze ngikwazi ukuthenga izimpahla ezithile ebeziyokwenza ukuba ngeqele ngalé kwalo Mkhawulo We-akhawunti. Ngiyaqonda ukuthi Umkhawulo We-akhawunti osebenza ngaphambi kwalokhu kwenyuswa kwesikhashana uyosebenza futhi uma ibhalansi engiyikweletayo ku-Akhawunti yami isingaphansi kwalowo Mkhawulo.

3. Ikhadi Nezinhlelo Zokukhokha

I-Truworths izongithumelela ikhadi lokuthenga (“iKhadi” lami) elizoba umthwalo wami. Uma Ikhadi lami lilahleka, ngizotshela isitolo sendawo se-Truworths ngokushesha noma ngithinte Inombolo Yesevisi Yamakhasimende ethi +27 (0)21 460 2300. Ngingasebenzisa Ikhadi lami ukuthenga izingubo ngezinhlelo zokukhokha ezihlukene ezitholakala ezweni engivule kulo i-Akhawunti yami futhi ezithintekayo ekuthengeni okunjalo njengoba kunqunywe yi-Truworths ngokombono wayo ozimele ngesikhathi sokuthenga.

 
 
4. Inzalo

4.1

Izinga Okuvunyelwana Ngalo

Kuze kube yilapho izinga lenzalo selishintshiwe ngokwendlela echazwe ngezansi, inzalo izofakwa kuzo zonke izinhlelo zokukhokha ezinenzalo engizisebenzisayo ngokwezinga elichazwe eSilinganisweni, noma uma kungama-akhawunti avulwe ngaphambi kuka-1 Juni 2007, ngezinga elisebenza kuma-akhawunti anjalo (“iZinga Okuvunyelwana Ngalo”). IZinga Okuvunyelwana Ngalo alisoze ledlule izinga eliyinkomba elisebenzayo elichazwe ngezansi.

4.2

Izinga Eliyinkomba

Kuze kube yilapho izinga lenzalo selishintshiwe ngokwendlela echazwe ngezansi, inzalo izofakwa kuzo zonke izinhlelo zokukhokha ezinenzalo engizisebenzisayo ngokwezinga elichazwe eSilinganisweni, noma uma kungama-akhawunti avulwe ngaphambi kuka-1 Juni 2007, ngezinga elisebenza kuma-akhawunti anjalo (“iZinga Okuvunyelwana Ngalo”). IZinga Okuvunyelwana Ngalo alisoze ledlule izinga eliyinkomba elisebenzayo elichazwe ngezansi.

4.3

Ukuhlukahluka EZingeni Okuvunyelwana Ngalo

Ngiyaqonda ukuthi i-Akhawunti yami inezinga lenzalo elihlukahlukayo, okusho ukuthi amaZinga Okuvunyelwana Ngawo asebenza ezinhlelweni zokukhokhela i-Akhawunti yami ayohlukahluka ngokuqondile ngezikhathi ezithile ngokuvumelana nezinguquko ezisebenza ezingeni eliyinkomba. Zingakapheli izinsuku ezingama-30 zoguquguquko olunjalo, i-Truworths izongazisa ngencwadi, ngesitatimende sami se-akhawunti sazinyanga zonke noma ngenye indlela, ngokuguquguquka, okuyoba ngezinga elizinzile elihambisana nokushintsha kwezinga lenkomba elisebenzayo. Sicela ubheke izinga leNzalo Ephezulu esigabeni 4.6.3.2.

4.4

Inzalo Eyisaphulelo Noma Echithiwe

Ngiyaqonda ukuthi iZinga Okuvunyelwana Ngalo ngokombono we-Truworths lingehliselwa ezingeni lenzalo eliphansana noma lichithwe ngokuphelele ohlelweni olukhethekile lwezinyanga eziyi-6 noma olunye uhlelo uma lezi zinhlelo zethulwe kimi ngokombono we-Truworths, inqobo nje uma i-Akhawunti yami ingenayo imali esilele emuva ngayo kodwa uma ikhona i-Truworths izofaka inzalo kwi-Akhawunti ngezinga elingeqeli ngalé kweZinga Eliphezulu Lenzalo.

4.5

Ukuvimbela Inzalo Kuma-akhawunti Asilele

Ngiyaqonda ukuthi inzalo ibalwa ngokwebhalansi yansuku zonke engiyikweleta kwi-Akhawunti yami ngezikhathi ezithile futhi nginganciphisa inzalo efakwa kwi-Akhawunti yami ngokukhokha lonke inani ngesikhathi ngosuku lokukhokha olubhalwe esitatimendeni sami sanyanga zonke. Ngiyaqonda ukuthi uma ngingakhokhi ngosuku olunqunyiwe, kuzonezelwa inzalo ethe xaxa.

4.6

Ukukhokha Nokuchitha Inzalo

Inzalo izokhokhiswa futhi ingase ichithwe kwi-Akhawunti yami ngale ndlela:

4.6.1

Izinhlelo ezinenzalo echithwayo

4.6.1.1

Ngiyaqonda ukuthi uma ngikhokha ibhalansi engiyikweleta ku-Akhawunti (okuwukuthi, lonke inani le-akhawunti) e-Truworths ngaphambi kosuku okufuneka ngalo inkokhelo (olubhalwe esitatimendeni sami sanyanga zonke), akukho nzalo engizoyikhokhiswa.

4.6.1.2

Ngiyaqonda nokuthi uma ngikhokha ibhalansi engiyikweletayo (okuwukuthi, ukukhokha ngamancozuncozu kwanyanga zonke) e-Truworths ngaphambi kosuku okufuneka ngalo inkokhelo, akukho nzalo engizoyikhokhiswa ngaleyo nyanga.

4.6.1.3

Ngiyaqonda nokuthi uma ngingalikhokhi inani elifunekayo, noma ngikhokha inani elingaphansi kwelifunekayo e-Truworths ngosuku lokukhokha, inzalo izonezelwa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi engeqeli ngalé kweZinga Lenzalo Ephezulu enqunywe ngokuvumelana nesigaba 4.6.3.2 ngezansi, futhi ngingase ngithole ezinye izinhlawulo eziyisibopho.

4.6.2

Izinhlelo ezifaka inzalo

4.6.2.1

Ngiyaqonda ukuthi uma ngikhokha ibhalansi engiyikweleta ku-Akhawunti (okuwukuthi, lonke inani le-akhawunti) e-Truworths ngaphambi kosuku okufuneka ngalo inkokhelo (olubhalwe esitatimendeni sami sanyanga zonke), akukho nzalo engizoyikhokhiswa.

4.6.2.2

Ngiyaqonda nokuthi uma ngikhokha inani elifunekayo kuphela (okuwukuthi inani lokukhokha ngamancozuncozu kwanyanga zonke) e-Truworths, inzalo izonezelwa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi ngeZinga Okuvunyelwene ngalo okukhulunywwa ngalo esigabeni 4.1 ngenhla.

4.6.2.3

Ngiyaqonda nokuthi uma ngingalikhokhi inani elifunekayo, noma ngikhokha inani elingaphansi kwelifunekayo e-Truworths ngosuku lokukhokha, inzalo izonezelwa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi engeqeli ngalé kweZinga Lenzalo Ephezulu enqunywe ngokuvumelana nesigaba 4.6.3.2 ngezansi futhi ngingase ngithole ezinye izinhlawulo eziyisibopho.

4.6.3

Ukubalwa kwenzalo

4.6.3.1

Inzalo ibalwa nsuku zonke ngesisekelo esilula ngokusebenzisa le ndlela: Ibhalansi oyikweleta kwi-Akhawunti ihlukaniswa ngesibalo sezinsuku onyakeni, bese iphindaphindwa ngezinga lenzalo esebenzayo ngokuvumelana nesivumelwano sami sesikweletu, ukuze kutholwe inzalo engiyikweleta usuku nosuku. Inzalo yansuku zonke enqunywa ngale ndlela iyahlanganiswa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje bese inezelwa kwibhalansi engiyikweleta kwi-Akhawunti ngosuku lwesitatimende samanje senyanga.

4.6.3.2

Umthetho Wezikweletu Kazwelonke unquma Izinga Lenzalo Eliphezulu elingase likhokhiswe eNingizimu Afrika uma kubhekwa i-repo rate, enqunywa ngezikhathi ezithile yiBhange-ngodla laseNingizimu Afrika.

 
Izitatimende, Ukukhokha Nokuphutha Ukukhokha

5.1

Izitatimende

I-Truworths izothumela ekhelini leposi elikhethwe eSilinganisweni noma eSicelweni, noma ekhelini elinjalo elishintshile engazise i-Truworths ngalo, isitatimende se-akhawunti sanyanga zonke phakathi esiyochaza kolunye ulwazi ibhalansi engiyikweletayo ngosuku lokukhishwa kwesitatimende, imali yokukhokha ngamancozuncozu kwanyanga zonke, inani lenzalo okufanele ngilikhokhe, imali okufanele ikhokhwe kanye nosuku olunqunyiwe lokukhokha. Ibhalansi engiyikweletayo ifaka izindleko zezinto engizithenge nge-Akhawunti yami ezibonakala kuma-invoice engiwanikwe ngesikhathi ngithenga, kanye nanoma iyiphi inzalo evunyelwe nokuvunyelwene ngayo, izinhlawulo zokwenza umsebenzi, izinhlawulo zezinsizakalo, imali yomshuwalense, izindleko zokuphutha ukukhokha kanye nezindleko zokulandelelwa kwesikweletu okungenzeka zifakwe kwi-Akhawunti yami ngaphandle kwanoma iyiphi inkokhelo eyenziwe noma izinkokhelo ezifakwe kwi-Akhawunti yami. Inani okufanele likhokhwe yinani lokukhokha ngamancozuncozu kwanyanga zonke (elinqunywa ngokwezinhlelo zokukhokha ezisebenza kwi-Akhawunti yami) kanye nanoma imaphi amanani asilele kanye nenzalo nezinhlawulo ezivunyelwe ezifakiwe.

5.2

Izinkokhelo

5.2.1

Ngiyavuma ukuthi izinkokhelo ze-akhawunti yami zingenziwa kuphela ezweni lapho i-Akhawunti yami yavulwa khona. Ngiyavuma ukukhokhela i-Truworths imali engengaphansi kwefuneka inyanga ngayinye, engacaziwe noma yancishiswa, ngosuku okufuneka inkokhelo ngalo noma ngaphambi kwalokho futhi ngiyaqinisa ukuthi ngeke ngibe nelungelo lokunezela imibandela kunoma iyiphi inkokhelo engiyenza e-Truworths. I-Truworths izofaka inkokhelo ngayinye engiyenza kwi-Akhawunti yami ngosuku ethola ngalo leyo nkokhelo ngale ndlela: okokuqala ukuvala noma yiziphi izinhlawulo zenzalo ezifunekayo noma ezingakhokhiwe, okwesibili ukuvala izinkokhelo ezifunekayo noma ezingakhokhiwe, izindleko noma izinhlawulo kanti okwesithathu ukunciphisa inani lesikweletu esikhulu.

5.2.2

Ngizoba nethuba lokukhetha, uma ngine-akhawunti yokonga, ye-transmission noma yamasheke, ukufaka isicelo se-debit order yeNkokhelo efuneka e-Truworths inyanga ngayinye. I-debit order izosho ukuthi inkokhelo kufanele idonswe nganoma iluphi usuku lwenyanga engilukhethile. I-Truworths iyaligodla ilungelo lokwethula kabusha i-debit order yeNkokhelo ebhange lami ngisho nangezinsuku engingazishongo kwi-debit order kuze kube yileso sikhathi lapho sengihlangabezene nezibopho zami.

5.3

Ukuphutha Ukukhokha Nokuchithwa Kwesivumelwano

5.3.1

Ngiyavuma ukuthi ngiyobe ngiphuthe ukukhokha kulesi sivumelwano uma:

5.3.1.1

Ngihluleka ukukhokha okungenani ama-90% wemali efunekayo ngosuku olunqunyiwe.

5.3.1.2

Ngemva kwalokho i-Akhawunti yami iqhubeka isilela izinsuku ezingaphezu kwezingama-30 zilandelana okuyokwenzeka ngaphandle uma ngikhokha okungenani ama-90% wenani elifunekayo ngosuku olulandelayo olunqunyelwe ukukhokha.

5.3.2

Ukuhluleka kwami ukuthobela imibandela yalesi sivumelwano noma uma ngemukwa impahla yami noma uma ngifa noma ngingazikhokheli izibopho zami ne-Truworths njengoba kuchazwe ngenhla esigabeni 5.3.1, lapho-ke:

5.3.2.1

Wonke amanani engiwakweleta i-Truworths angafuneka ngokushesha futhi kufanele akhokhwe.

5.3.2.2

I-Truworths ingayihoxisa i-Akhawunti yami Yesikweletu.

5.3.2.3

I-Truworths inganciphisa uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti ngaphandle kokungazisa.

5.3.3

Ngokukhipha isaziso sezinsuku ezingama-20 zomsebenzi, i-Truworths ingabuye ivale i-Akhawunti yami Yesikweletu futhi ngokuvumelana nemibandela efanele yoMthetho Wezikweletu Kazwelonke, uma uthinteka, ingafuna inkokhelo ngaleso sikhathi yebhalansi engiyikweletayo kwi-Akhawunti yami.

 
6. Ukuthenga Omakhalekhukhwini

6.1

Omakhalekhukhwini nezinto zomakhalekhukhwini ezithengwa nge-Akhawunti yami yase-Truworths ziyovunyelwa kuphela ngemva kwezinyanga eziyi-6 kusukela osukwini lokuvula i-akhawunti futhi uma kunempahla yase-Truworths ebithengwa njalo ngaleyo akhawunti.

6.2

Ngokwezinga elivunyelwe umthetho, uma kusenenani engilikweletayo lomakhalekhukhwini othengiwe kwi-Akhawunti yami yase-Truworths, i-Truworths ingakhipha umyalelo oya kumhlinzeki wezinsizakalo zikamakhalekhukhwini wokuba uvalwe uma imali efuneka kwi-Akhawunti yami ingakhokhwanga ngosuku olunqunyiwe lokukhokha. Uma izimali ezisilele sezikhokhiwe zonke umakhalekhukhwini othengwe nge-Akhawunti yami yase-Truworths ungavulwa uma ngifaka isicelo esihambisana nenkokhelo yokuvulwa kwawo engase ifunwe umhlinzeki wezinsizakalo zikamakhalekhukhwini.

6.3

Omakhalekhukhwini bangathengwa kuphela ngohlelo olufaka inzalo lwezinyanga eziyi-6.

6.4

Ngiyavuma ukuthi omakhalekhukhwini nezinsiza zamaselula zizodayiswa kuphela ezitolo ezithile nasemazweni athile anqunywa ngokombono we-Truworths.

 
7. Ukuthenga Nge-akhawunti Yami Okungagunyaziwe

Ngiyaqonda ukuthi omunye wemihlomulo enginayo njengamanje ngokukhokha inhlawulo yezinsizakalo yaminyakayonke uMhlomulo Wokuvikelwa Emgunyathini. Umhlomulo Wokuvikelwa Emgunyathini ungivikela ekusetshenzisweni okungagunyaziwe kanye/noma ukuthenga ngomgunyathi nge-Akhawunti yami. Uma ngikubikile ukuthenga okunjalo, i-Truworths ngeke ingithwese icala ngaphandle uma isiginesha yami ikhona ku-invoice noma kunobunye ubufakazi bokuthenga noma i-Truworths ingabonisa ukuthi yimina ogunyazile noma obethenga.
 
8. UMshuwalense Wokuvikela Ibhalansi Ye-akhawunti

I-Truworths ngokombono wayo ingenza ukuba uMshuwalense Wokuvikela Ibhalansi Ye-akhawunti ube yisibopho sokuvula i-Akhawunti e-Truworths. Kulesi simo ngingasebenzisa ilungelo lami lokuthatha esikhundleni soMshuwalense Wokuvikela Ibhalansi Ye-akhawunti yase-Truworths eyami ipholisi efanayo, uma nje ngizoveza ubufakazi obanelisa i-Truworths bokuthi i-Truworths ibhaliswe njengendlalifa yepholisi yami.

Uma nginoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti yase-Truworths ngiyavuma ukubophezelwa yimigomo nemibandela yepholisi yomshuwalense othintekayo otholakala lapho ngithenga kanye nakwiwebhusayithi ye-Truworths. I-Truworths izodonsa kwi-Akhawunti yami nyanga zonke imali okufanele ikhokhwe ngokuvumelana nemibandela yoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti. Inkampani yomshuwalense izongithumelela isiqinisekiso somshuwalense kanye nemininingwane yepholisi.

 
9. Ulwazi Oluyimfihlo Nolomuntu Siqu

9.1

Ngiyavuma ukuthi i-Truworths ingacela futhi ithole noma yiluphi ulwazi oluyimfihlo nezikweletu zami kunoma iyiphi inhlangano yezikweletu, kwenye irejista noma kwenye indawo nganoma yisiphi isikhathi, kubandakanye nokucela ukuhlaziywa kwezikweletu nesiqinisekiso sokuthi le mvume ihlanganisa ulwazi oselutholwe yi-Truworths kakade. I-Truworths ingabelana ngalolu lwazi oluyimfhlo nolwezikweletu (kubandakanye nolwazi mayelana nokungazikhokheli kwami izibopho zeSivumelwano sami) kanye nolwazi oluphathelene ne-Akhawunti yami, kubandakanye neSicelo sami, usuku lokuvulwa nokuvalwa kwe-Akhawunti yami, nanoma iyiphi indawo yesikweletu nenhlangano yezikweletu, phakathi kokunye, ngenjongo yokuba inhlangano enjalo yezikweletu yabelane ngolwazi olunjalo nabanye abahlinzeki bezikweletu nezinhlangano zezikweletu. Ngiyaqonda ukuthi inhlangano yezikweletu inikeza abahlinzeki besikweletu imidanti, kanye nokuhlaziywa kwezikweletu zami, kuye ngolwazi i-Truworths elunika inhlangano enjalo.

9.2

Ngiyaqonda ukuthi ulwazi lwami oluyimfihlo nolwezikweletu lungase lusetshenziswe yi-Truworths ngenjongo yokukhangisa nokweseka nokuhlaziya nokubala izingcuphe kanye nezinjongo ezivamile zebhizinisi zakwa-Truworths.

 
10. Izinhlangano Zezikweletu

10.1

I-Truworths ingase idalule ulwazi lwami oluyimfihlo nolwezikweletu olushiwo ngenhla, ezinhlanganweni zezikweletu, kubandakanye nezilandelayo:

10.1.1

Compuscan

Ucingo: +27 (0)21 888 6000 +27 (0)21 888 6000
Ifeksi: +27 (0)21 883 2336
I-imeyili: info@compuscan.co.za
Ikheli Lomgwaqo: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
Ikheli Leposi: PO Box 1028, Stellenbosch, 7599, South Africa

10.1.2

Experian

Ucingo: +27 (0)11 799 3400 +27 (0)11 799 3400 or 086 110 5665
Ifeksi: +27 (0)11 707 6700/6786
I-imeyili: info@experian.co.za or morpheus@experian.co.za
Ikheli Lomgwaqo: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
Ikheli Leposi: PO Box 98183, Sloan Park, 2152, South Africa

10.1.3

TransUnion

Ucingo: 0861 482 482
Ifeksi: +27 (0)11 388 2454
I-imeyili: creditbureau@transunion.co.za
Ikheli Lomgwaqo: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
Ikheli Leposi: PO Box 4522, Johannesburg, 2000, South Africa

10.1.4

XDS

Ucingo: +27 (0)11 645 9100 +27 (0)11 645 9100
Ifeksi: +27 (0)11 484 6588
I-imeyili: info@xds.co.za
Ikheli Lomgwaqo: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
Ikheli Leposi: PO Box 30987, Braamfontein, 2017, South Africa

10.1.5

Insizakalo Yokunqanda Ukukhwabanisa YaseNingizimu Afrika (South African Fraud Prevention Services)

Usizo: 0860 101 248
Ucingo: +27 (0)11 867 2234 +27 (0)11 867 2234
Ifeksi: +27 (0)11 867 2315
I-imeyili: safps@safps.org.za
Ikheli Lomgwaqo: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
Ikheli Leposi: PO Box 2629, Alberton, 1450, South Africa


Ukuze uthole iNqubomgomo Ephelele Yokubuyiswa Kwezinto sicela uvakashele ku-www.truworths.co.za

10.2

Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingaxhumana nenhlangano yezikweletu futhi ngicele ukuba ngitshelwe ngolwazi lwami lwezikweletu. Ngingaphikisa nanoma yiluphi ulwazi oluphethwe yinhlangano yezikweletu engikholelwa ukuthi luyiphutha.

10.3

I-Truworths inganika izinkampani ezingozakwabo noma amanxusa ulwazi lwami oluyimfihlo nolwezikweletu kanye nemikhuba yami yokuthenga kanye nanoma ubani othintekayo ekuvinjelweni nasekuvikelweni ebugebengwini.

10.4

Ngiyaqonda ukuthi ngokomthetho wokukhwabaniswa kwemali waseNingizimu Afrika, i-Truworths inomthwalo wokubika izinto ezisolisayo noma ezingajwayelekile ezihlanganisa izenzo ezingqubuzana nomthetho ngokuvumelana nezibopho zamabhizinisi kulolu daba.

11. Ukubuyiswa Kwezinto Ezithengiwe
 

11.1

Izinto Ezibuyiswayo Nezishintshwayo

I-Truworths iyongivumela ukuba ngibuyise noma ngishintshe izinto engizithengile zingakapheli izinsuku ezingama-30 kusukela ngosuku engizithenge ngalo uma:

11.1.1. I-invoice yokuqala noma irisidi yesipho ikhishwa lapho kubuyiselwa utho njengobufakzi bokuthenga.
11.1.2. Likhona ithikithi lenani lentengo (i-swing).
11.1.3. Leyo ngubo ingakagqokwa noma ingakasetshenziswa.
11.1.4. Leyo ngubo isesimweni sayo sokuqala nasephaketheni layo.
11.1.5. Izinto ezithengwe kanye nezipho eziyimititilizo zibuyiswa kanye naleso sipho.
11.1.6. Leyo ngubo ibuyiselwa ezweni ethengwe kulo.

11.2

Ukubuyiselwa Imali

I-Truworths izovumela ukubuyiselwa yonke imali umuntu athenge ngayo ekuqaleni noma ihlehlise isikweletu kwi-Akhawunti yase-Truworths uma:

11.2.1. Kuhlangatshezwene nayo yonke imibandela esesigabeni 11.1.
11.2.2. Umnikazi wekhadi lesikweletu kanye nekhadi elifanele kuvezwa ukuze kubuyiswe imali yekhadi lesikweletu.
11.2.3. Akukho mali ezobuyiswa uma kuvezwa irisidi yesipho ngaphandle uma i-invoice yokuqala ivezwa ngesikhathi esifanayo.

11.3

Kodwa-ke, ngaphandle kokufezekisa imibandela yesigaba 11.1 no-11.2, ngiyaqaphela ukuthi:

11.3.1. Ubucwebe, amawashi (anegaranti) kanye nezibuko zelanga kufanele zibuyiselwe esitolo emnyangweni wobucwebe bokuhloba zingakapheli izinsuku eziyi-14.
11.3.2. Izingubo zokubhukuda kufanele zibe nomdweshu wokuzivala (i-protective strip).
11.3.3. Omakhalekhukhwini kufanele babuyiselwe esitolo etafuleni lomakhalekhukhwini futhi kuzosetshenziswa iNqubomgomo Yokubuyisa Izinto yakwaMTN.
11.3.4. Zonke izimonyo namakha kufanele kubuyiselwe esitolo esinomnyango wezimonyo ogcina lezo zinto.

11.4

Izinto ezingeke zibuyiswe

Akukho ukubuyiswa kwezingubo zangaphansi, amakhadi esipho, umoya kamakhalekhukhwini noma izinto zokuhloba ezibhoboza umzimba (kubandakanye namacici) okuyovunyelwa.

11.5

Izimpahla Ezilimele

Izimpahla ezinamaphutha asefektri ziyohoxiswa esikweletini noma zishintshwe ngenjabulo uma:

11.5.1. Izimpahla ezinjalo zibuyiselwa e-Truworths zingakapheli izinyanga eziyisithupha (6) zilethwe kimi.
11.5.2. Ngingaveza ubufakazi bokuthengwa kwazo.
11.5.3. Izimpahla ezithengiwe zibuyiselwa ezweni ezithengwe kulo.
11.5.4. Izimpahla ezithengiwe zisetshenziselwe injongo yazo.
11.5.5. Leyo nto kufanele ukuthi ibinakekelwe ngokwelebula lokuyiwasha/lokuyinakekela.

Ukuze uthole iNqubomgomo Ephelele Yokubuyiswa Kwezinto sicela uvakashele ku-www.truworths.co.za

 
12. Izinhlawulo Nezindleko Ze-akhawunti

12.1

Ngiyaqonda ukuthi i-Truworths izongikhokhisa inhlawulo yezinsizakalo yaminyakayonke yezindleko ezivamile zokunakekelwa kwamaphepha futhi lokhu njengamanje kunginika uMhlomulo Wokuvikelwa Emgunyathini. Imali okufanele ikhokhwe ngesikhathi esinqunyiwe izochazwa eSilinganisweni kanye/noma ngiyithunyelelwe ngencwadi. Le mali ayibuyiswa futhi izodonswa ifakwe ku-Akhawunti yami kanye ngonyaka uma isifuneka kwa-Truworths iphelele. Ngokombono we-Truworths le nhlawulo yezinsiza yaminyaka yonke ingase yenyuswe ngezikhathi ezithile uma ingeke yeqele ngalé kwenani eliphezulu elishiwo eMthethweni Wezikweletu Kazwelonke, uma kunesidingo. Inhlawulo yezinsiza yaminyaka yonke ingase ngezikhathi ezithile ichithwe ngokombono we-Truworths.

12.2

I-Truworths iyaligodla ilungelo lokungikhokhisa inhlawulo yokuvulwa kwe-akhawunti uma ngivula i-Akhawunti yami (inani elizochazwa eSilinganisweni futhi okufanele ngilikhokhe kusengaphambi kwesikhathi kunokuba linezelwe kwibhalansi engiyikweletayo).

12.3

i-Truworths iyaligodla ilungelo lokungikhokhisa:

12.3.1

Inhlawulo yokusingatha i-Akhawunti yami uma ikweleta noma uma ngephula lesi sivumelwano, kanye nanoma yiziphi izindleko zokulandelela isikweletu i-Truworths engase ingene kuzo lapho ifuna ngifeze izibopho zami zemali ngaphansi kwalesi sivumelwano kubandakanye nezinhlawulo zomthetho ezingeke zeqele ngalé kwalezo ezivunyelwe uMthetho Wabameli, uMthetho Wenkantolo Ephakeme, uMthetho Wenkantolo KaMantshi kanye noMthetho Wabaqoqi Bezikweletu, uma kunesidingo. Lezi zimali, izinhlawulo nezindleko ngeke zibe ngaphezu kwalezo ezivunyelwe uMthetho Wezikweletu Kazwelonke, uma kunesidingo.

12.3.2

Zonke izindleko ezihlobene nokudluliselwa kwe-Akhawunti yami enkampanini eqoqa izikweletu ukuze ifune izimali ezisilele.

13. Imibandela Ehlukahlukene

13.1

Ngikhetha ikheli lami lomgwaqo elishiwo eSilinganisweni noma eSicelweni sami (noma ikheli elihlukile engilishoyo ngokuvumelana nesigaba 13.2) ukuze ngithole kulo izincwadi zomthetho. Ngokuphathelene nalesi Sivumelwano kanye nazo zonke izinto ezithinta i-Truworths, kusebenza umthetho waseNingizimu Afrika.

13.2

Ngizotshela i-Truworths ngokushesha nganoma yiluphi ushintsho lwemininingwane yokuxhumana nami ebandakanya kodwa engagcini nje ngamakheli ami ebhizinisi, eposi noma omgwaqo, ucingo lwami lwasekhaya, lwasemsebenzini noma lukamakhalekhukhwini, kanye nekheli lami le-imeyili.

13.3

Uma ngangine-Akhawunti yase-Truworths ngaphambilini kodwa ngayivala eminyakeni emithathu edlule ngafaka isicelo se-Akhawunti entsha yase-Truworths, lapho-ke i-Truworths inelungelo lokuhoxisa yonke imihlomulo ye-Akhawunti entsha.

13.4

Uma ngisemshadweni wenhlanganyelo (umshado ohlanganisa amafa) ngiyaqinisa ukuthi ngiyitholile imvume yowakwami yokuvula le Akhawunti nokuvuma ukwenyuswa koMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti othinta i-Akhawunti yami.

13.5

I-Truworths kanye nawo wonke amanxusa ewagunyazile ayoba nelungelo lokugada kanye/noma ukurekhoda izingxoxo zami zocingo noma zikamakhalekhukhwini engixoxa kuzo nanoma yibaphi abasebenzi babo ngenjongo yokuqeqesha, ukulandelela isikweletu noma ukusetshenziswa esikhathini esizayo.

13.6

Noma yiluphi ulwazi oluphathelene nami i-Truworths enelungelo lalo ngokwalesi sivumelwano lunganikwa noma yimuphi umthengi noma ludluliselwe kunoma ubani uma i-Truworths idayisela lowo muntu ibhizinisi layo noma uma inkampani enjalo ithola ilungelo lokuphatha i-Truworths.

13.7

Noma iyiphi inkululeko noma ilungelo engilinikwa i-Truworths ngeke libhekwe njengokulahla kwe-Truworths amalungelo ayo ngokwalesi Sivumelwano Sesikweletu.

14. Izimpikiswano Nezikhalo Ze-akhawunti

14.1

Nganoma yisiphi isikhathi, ngingase ngiyise isikhalo mayelana nalesi Sivumelwano kwelinye inxusa elingumlamuli, inkantolo yabathengi noma ngiyise ingxabano ngalesi Sivumelwano Sesikweletu ku-Credit Ombud, iKhomishani Labathengi Likazwelonke noma uMlawuli Wezikweletu Zikazwelonke uma i-Akhawunti yami yavulwa eNingizimu Afrika, nakunoma yisiphi isigungu esifanele noma umlawuli ezweni lapho ngavula khona i-Akhawunti yami.

I-Credit Ombud ingathintwa ngale mininingwane:
Ucingo: 0861 OMBUDS (0861 662837)
Ifeksi: 086 683 4644
I-imeyili: ombud@creditombud.org.za
Ikheli Lomgwaqo: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Ikheli Leposi: PO Box 805, Pinegowrie, 2123, South Africa
Ingosi ye-inthanethi: www.creditombud.org.za

I-Credit Ombud ingathintwa ngale mininingwane:
Ucingo: 0861 OMBUDS (0861 662837)
Ifeksi: 086 683 4644
I-imeyili: ombud@creditombud.org.za
Ikheli Lomgwaqo: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Ikheli Leposi: PO Box 805, Pinegowrie, 2123, South Africa
Ingosi ye-inthanethi: www.creditombud.org.za

14.2

Uma nginombuzo mayelana nobuqiniso besitatimende sami se-akhawunti sanyanga zonke noma kunempikiswano nganoma yini engiyithengile noma omunye umsebenzi obonakala kuso, ngizokwazisa i-Truworths zingakapheli izinsuku ezingama-60 kusukela ngosuku lwaleso sitatimende.

15. Ukwelulekwa Ngezikweletu

Lesi sigaba sithinta ama-akhawunti avulwe eNingizimu Afrika kuphela.

Ngiyaqinisa ukuthi ngesikhathi sokufaka isicelo se-Akhawunti yami yase-Truworths isimo sami sezikweletu besingahlaziywa noma sibukezwa ngumeluleki wezezikweletu njengoba kushiwo esigabeni 86 soMthetho Wezikweletu Kazwelonke. Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingathinta umeluleki wezezikweletu ukuze angisize ngokusingatha izikweletu zami.

Inqubo okufanele ilandelwe yilena:

15.1

Thintana nanoma imuphi umeluleki wezezikweletu.

15.2

Khokha inani elinqunyiwe bese ugcwalisa ifomu olinikwa ngumeluleki wezezikweletu.

15.3

Umeluleki wezezikweletu uzohlaziya izikweletu bese enza isinqumo sokuthi ukunikezwa kwale Akhawunti Yesikweletu kwakuwubudedengu yini.

15.4

Uma ngangingacwilanga ezikweletini ngesikhathi kukhishwa le Akhawunti Yesikweletu, khona-ke umeluleki wezezikweletu angamisa inqubo yokuhlaziya futhi ngizoqhubeka nginecala e-Truworths.

15.5

Uma ngangicwile ezikweletini ngesikhathi kukhishwa le Akhawunti Yesikweletu, lapho-ke umeluleki wezezikweletu uyokwenza izincomo futhi athumele udaba eNkantolo efanele noma eMkhandlwini ukuze kukhishwe isinqumo sokuthi lesi sivumelwano senziwa budedengu.

15.6

Uma ngingacwilile ezikweletini, kodwa umeluleki wezezikweletu ekholelwa ukuthi ngizoba nobunzima bokukhokhela isikweletu sami, lapho-ke umeluleki wezezikweletu angenza izincomo ku-Truworths futhi mina ngivuma ngokuzithandela ukuba kwenziwe uhlelo olusha lwesikweletu.

 
16. Ababambiqhaza Besivumelwano Nokusebenza Kwaso

16.1.1. Umniki-sikweletu ngokwemibandela yalesi Sivumelwano Sesikweletu:
16.1.1.1. uma ngavula i-Akhawunti yami eNingizimu Afrika i-Truworths Limited (inombolo yokubhaliswa 1940/013923/06), engumhlinzeki wezikweletu obhalisiwe ngaphansi kwenombolo ethi NCRCP45;
16.1.1.2. uma ngavula i-Akhawunti yami eNamibia yi-Truworths (Namibia) Limited (inombolo yokubhaliswa 492);
16.1.1.3. uma ngavula i-Akhawunti yami eSwazini yi-Truworths (Swaziland) Limited (inombolo yokubhaliswa 108/1961);
16.1.1.4. uma ngavula i-Akhawunti yami eBotswana yi-Truworths Botswana (Pty) Limited (inombolo yokubhaliswa CO2007/5848); yase-No. 1 Mostert Street, Cape Town, South Africa (ebizwa kule dokhumenti ngokuthi “i-Truworths”). 

16.1.2

Ngingumthengi/onikwa isikweletu futhi amakheli ami ngiwanikeze eSilinganisweni noma eSicelweni noma ngawashintsha encwadini engayibhalela i-Truworths.

16.1.3

Akukho nani elikhokhiwe noma okufanele likhokhwe yimi njengenkokhelo yokuqala (okuwukuthi, idiphozithi) ngokwalesi Sivumelwano Sesikweletu.

16.1.4

ISivumelwano Sesikweletu siphathelene nezingubo zemfashini nezinto ezihambisana nazo, kubandakanye ubucwebe, izimonyo nomakhalekhukhwini kanye/nanoma yimiphi eminye imikhiqizo noma amasevisi, izinto ezichazwe kuma-invoice engiwanikwa ngemva kokuthenga ezitolo zase-Truworths kanye/noma kuwebhusayithi yase-Truworths.

16.2

Ngiyaqinisa ukuthi nginelungelo elingokomthetho lokungena kulesi Sivumelwano.

 
17. Ukuqeda Isikweletu Ngaphambi Kwesikhathi

Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingakhokhela iSivumelwano Sesikweletu e-Truworths ngaphambi kwesikhathi ngokukhokhela i-Truworths inani engilikweletayo ngosuku lokukhokha isikweletu. Inani lokukhokha isikweletu libandakanya inani lesikweletu esikhulu esingakhokhwanga (inani eliyibhalansi engiyikweletayo ngaphandle kwenzalo nezinye izinhlawulo ezisesitatimendeni sami) kanye nanoma iyiphi inzalo noma ezinye izinhlawulo ezinqwabelene ngosuku lokukhokha isikweletu.
 
18. Ukuvala Kwekhasimende I-akhawunti

Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingachitha iSivumelwano Sesikweletu ne-Truworths ngokukhokhela i-Truworths inani lesikweletu (njengoba kushiwo ngenhla) engilikweleta kwi-Akhawunti yami ngosuku lokuchitha isivumelwano. Uma kungekho nani elinjalo engilikweletayo ngiyaqonda ukuthi kumele ngitshele i-Truworths ngenhloso yami yokuchitha iSivumelwano Sesikweletu.
 
19. Umkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti Onqunywa Yikhasimende

Ngiyaqonda futhi ukuthi ngencwadi eya e-Truworths nganoma yisiphi isikhathi nginganciphisa uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti othinta i-Akhawunti yami Yesikweletu, noma ngisho uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti engizimisele ukuwamukela kule Akhawunti Yesikweletu.
 
20. Izichibiyelo Zesivumelwano

i-Truworths ngencwadi ebhaliwe yezinsuku okungenani ezi-5 (ezinhlanu) zebhizinisi ingashintsha le mibandela nemigomo uma nje ushintsho olunjalo lunciphisa icala lami ngaphansi kweSivumelwano Sesikweletu ne-Truworths, futhi/noma lwandisa ngokuzenzekelayo uMkhawulo Wesikweletu othinta i-Akhawunti yami Yesikweletu njalo ngonyaka uma ngikhetha kanjalo. Noma yiluphi ushintsho olunjalo lweSivumelwano Sesikweletu kufanele kuvunyelwane ngalo phakathi kwami ne-Truworths futhi lubhalwe phansi.
 
21. Ukuphela Kwesivumelwano

I-Truworths izoba nelungelo, ngaphandle kokungazisa, lokudlulisela noma yimaphi amalungelo ayo nokwabelana nganoma yiziphi izibopho zayo ngokwalesi Sivumelwano Sesikweletu kunoma imuphi omunye umuntu wesithathu.
 
22. Ukudalula Izivumelwano Ezenziwe Ngaphambi Kuka-1 Juni 2007

Uma iSivumelwano sami Sesikweletu senziwa ngaphambi kuka-1 Juni 2007 kuyavunywa ukuthi ngenxa yokuthi lesi sikweletu engasinikwa sasiyiSikweletu esivuselelwayo, ulwazi olulandelayo alwaziwa njengamanje futhi ngeke lunqunywe kusengaphambi kwesikhathi:

22.1

Intengo yazo zonke izinto ezidayiswayo engizozidayiselwa yi-Truworths phakathi nesikhathi sokusebenza kwe-Akhawunti Yesikweletu esivuselelwayo.

22.2

Inani lezinye izinhlawulo okukhulunywa ngazo kule ncwadi ezizoba yingxenye yebhalansi engiyikweletayo.

22.3

Ingxenye esebenzayo yebhalansi engiyikweletayo eyisikweletu esikhulu.

22.4

Inani lenzalo noma izinhlawulo zezimali ezizokhokhiswa engxenyeni efanele yebhalansi engiyikweleta ngokwesigaba 4 sale ncwadi.

22.5

Izinga lenzalo ezokhokhiswa, eyaziwa nangokuthi izinga lenhlawulo yemali yaminyakayonke, ngokwesigaba 4 sale ncwadi engxenyeni efanele yebhalansi engiyikweletayo.

22.6

Izinsuku, isibalo namanani okukhokha ngamancozuncozu kwanyanga zonke uma ngikhokhela ibhalansi engiyikweletayo.

23. Uhlelo Lwamakhasimende Aqotho

Bonke abanikazi bama-akhawunti bamanje nabo bonke abafaka isicelo sesikweletu (laba bakamuva bangaphansi kweminye imigomo nemibandela elapha kodwa kungakhathaliseki ukuthi bayasinikwa yini isikweletu noma cha) bafaneleka ngokuzenzekelayo ukuba neqhaza Ohlelweni Lwamakhasimende Aqotho akwa-Truworths.
24. Ukunqanyulwa Kwesivumelwano

Uma kwenzeka umbandela owodwa noma ngaphezulu equkethwe kulesi Sivumelwano Sesikweletu nganoma isiphi isizathu ingasebenzi, ingekho emthethweni futhi ingenakusebenziseka nganoma iyiphi indlela, ukungasebenzi okunjalo, ukungqubuzana nomthetho noma ukungasebenziseki okunjalo ngeke kuthinte noma imuphi omunye umbandela walesi Sivumelwano Sesikweletu, okuyothathwa ngokuthi umbandela onjalo ongasebenzi, ongekho emthethweni noma ongasebenziseki wawungafakwanga, futhi iSivumelwano Sesikweletu siyosetshenziswa cishe ngokuvumelana nemibandela nezinhloso zokuqala.
 
25. Ukudalula NgokoMthetho Wokuvikelwa Kwabathengi

ENingizimu Afrika i-Truworths isebenza njengommeleli we-Hollard Life Assurance Company Limited ne- Hollard Life Insurance Company Limited ekugqugquzeleni nasekuhlinzekeni ngoMshuwalense Wokuvikelwa Kwebhalansi Ye-akhawunti noMshuwalense Kamakhalekhukhwini. Lapha ihlinzeka ngolwazi oluthe xaxa olungashiwongo ngenhla, olufunwa yisigaba 27 soMthetho Wokuvikelwa Kwabathengi kanye nomthetho 9 weZimiso ezishiwo lapha.

Ucingo: +27 (0)21 520 2300
Ikheli Leposi: PO Box 4775, Cape Town, 8000, South Africa
Ifeksi: +27 (0)21 520 7277
I-imeyili: services@truworths.co.za
Umxhumanisi wezindaba zomphakathi e-Truworths ngu-Annalize Kirsten, okungaxhunyanwa naye kule nombolo +27 (0)21 460 7911.
TW/TC/E/9/2016

 
 
TRUWORTHS LOYALTY PROGRAM

Truworths Limited: Reg. no. 1940/013923/06
No. 1 Mostert Street, Cape Town, South Africa (hereafter referred to as "Truworths")
The Truworths LOYALTY Program (hereafter referred to as” LP”) Terms and Conditions (the “LP Terms”)

1. The LP is not a points-based program. The benefits are at Truworths’ discretion and may include promotions, communications and other benefits. The nature, extent, applicability and frequency of these benefits will be determined by Truworths and communicated to qualifying LP participants from time to time.

2. The LP may or may not operate using a card. This will be at the sole discretion of Truworths. You will need to provide identification details (identity number or cell phone number) each time you transact in order to be eligible to receive benefits.

3. All current Truworths account holders and all applicants for credit (the latter subject to the further terms and conditions herein but irrespective of whether or not credit is in fact granted) are automatically regarded as participants in the LP unless they elect not to by advising Truworths accordingly.

4. All participants in the LP must be 18 years or older and resident in South Africa.

5. New participants can apply in store, via SMS, online or accept an offer to apply by providing the necessary information required to participate in the LP.

6. Activation of a new participant in the LP is on identification at the till, via SMS, or online.

7. In order to participate in the LP, you agree to be bound by the LP Terms. These LP Terms may vary from time to time and amendments will be updated and made available on the Truworths website.

8. By agreeing to the LP Terms, you agree that Truworths will own your personal information as provided to us, and will have the right to communicate with you using this information.

9. We may use your personal information and purchasing information in conjunction with information about you provided by third parties, for market and product analysis, and for the purpose of generating statistical reports for internal and external use. These reports will use personal information only in a way that you cannot be specifically identified.

10. We may use your personal information to conduct a credit bureau check for the purpose of potentially offering you a Truworths account or an account for any other brand in the Truworths group, if you do not already have one.

11. Certain benefits will only be sent to you by email, SMS or post. Be sure to provide us with your latest email, cell phone number and postal address to avoid missing out on such benefits. For those account holders who have opted out of receiving marketing material from Truworths, please note that you may miss out on LP benefits.

12. If you have a Truworths account we reserve the right to withhold/terminate any benefits as a consequence of your account being in arrears.

13. Please note that not all products on promotion in terms of the LP may be available in all stores and special offers may vary from store to store and change without notice.

14.Truworths accepts no responsibility whatsoever for any benefit sent by email, SMS or post which is not received as a result of your providing us with an incorrect cell phone number, email or postal address or as a result of circumstances over which Truworths has no control.

15. We may in our discretion withdraw, cease or amend any benefit offered in terms of the LP at any stage.

16. We reserve the right to terminate the LP at any stage without reason.

17. Where any secondary cards have been issued in relation to any Truworths account, LP benefits will accrue to the primary account holder but can be accrued by the secondary account holder and used by the secondary account card holder.

18. For additional information or any queries, please phone 0861 878967 or visit www.truworths.co.za