3.10. 15.1. Therefore, a dispute that you have about the goods and/or services (including but not limited to the return of goods) must be resolved directly with the merchant. 3.2.5. confirm that if you are married in community of property or by customary law, that you have the written consent of your spouse to enter into this agreement with us. We will, however, never exceed the maximum cap as set out in the Act. Through their 2500+ stores, customers enjoy all the advantages of not having to go to a bank; from better opening hours to shorter queues and friendly service. 7.1 For your protection your credit facility must include customer protection insurance. 3.7. “Service fee” means a fixed fee charged by us to you for the administration of your credit facility. 4.2. Earn your rewards. With the improvement in technology, most stores have made it possible for individuals to apply for products and services online. 5.6. “Major sanctioned country” means any one of the following listed countries: Crimea, Cuba, Iran, North Korea, Sudan and Syria. Information held by them may be linked to other people with whom you have a financial association. Visit your closest PEP store with your South African Identification Card or ID book and your mobile phone number. You apply for sequestration or to be placed under administration; 10.11.2. Click on " Register " on the right top corner of the website's header (see above) and follow the instructions. All participants to this promotional offer participate entirely at their own risk. Apply Online Now. Nothing in these terms and conditions is intended to, or must be understood to, unlawfully restrict, limit or avoid any rights or obligations, as the case may be, created for either the participant or the promoter in terms of the Consumer Protection Act, 68 of 2008 ("the CPA"). 15.3. Requirements to open your Jet Account application online: If your debit order is still unpaid by your bank, you must make the minimum payment due as indicated on your statement directly to us by the due date for such payment in order to keep your account from going into arrears. You can also apply at any PEP … 15.4. And Capfin will call you to finalise your loan application. If we do, we will notify you hereof and upload the new terms onto our website. SAVE R300 and get your first 3 months access fees FREE when you buy the DStv Explora for only R849. 10.11. As there is only one credit facility, all specified limits will at all times be subject to the credit limit on your credit facility. Should any of the events in clause 3.4.1 to 3.4.3 apply to you, we have the right to not enter into this agreement with you, or if your application was already approved at the time that we come to learn of such events, we have the right to immediately terminate this agreement on notice to you. If you wish to settle your account, you must first contact us to obtain a settlement amount. 7.2 Full details and terms of this customer protection insurance product are set out/will be provided in the application process and form, read together with the insurance policy wording. 11.6. We may also monitor and record all telephone calls and other interactions with you. 9.6. serves as an acknowledgement, by the participant, of a fact. The secondary card will not entitle you or the secondary cardholder to additional credit. Box 111, Goodwood, 7459. PEP Stores – Loans Online. You can also apply at any PEP till point with your SA ID and your latest proof of income. The credit facility is accessed via your existing Smart Shopper card. Similarly, when you make a payment, your available credit will increase by such amount, however, as payments may take up to 3 days to reflect in our bank account, such credit may not always be available immediately. If your debit order authorisation lapses due to there being no funds available in your bank account, you must contact us to provide us with a new debit order authorisation if you want to continue paying by means of a debit order. Subject to the provisions of the Act, we will be entitled to obtain and disclose your information: 14.3.1. within our group of companies, the merchant or any service provider; 14.3.2. if we think it is necessary or may be of benefit to you; 14.3.3. where we are legally compelled to do so; 14.3.4. where it is in the public interest to disclose; or. The rate of interest that we charge to your account will be reflected on your pre-agreement quotation and statement, but will never be more than the maximum annual interest rate permitted by the Act. 4.8. 10.9. Unless otherwise stated, the terms of this agreement relating to the card apply equally to the secondary card; 4.10.2. Capfin is the South African brand of the international financial services business Southern View Finance. Once your card has been activated for credit purchases, you will receive notification from us on how to create a personal identification number (“PIN”). 2.2.2 E-mail: pnpstoreaccount@rcsgroup.co.za, 2.2.3 Postal address: P.O. The amount deducted will vary every month depending on your monthly instalment and may include any other amounts that may be due to us, from time to time, but will never exceed what is due and payable; 1.8. You consent to us obtaining any information or documentation directly from your employer, bank, credit bureau or any other source for the purposes of assessing your application or any credit limit increase. If your application is not complete or if you don’t provide us with any required documentation, we may contact you to obtain the required information or documentation; or we may approve or reject your application. 3.9. We will not be liable to you if the merchant refuses to accept your card as payment for any goods purchased or services obtained with your card. How To Apply? 3.4.3. you relocate to any place outside of the Republic of South Africa. PEP offers loans from Capfin, and this includes loans over six or twelve months. If you want to close your account, you must contact us and instruct us to do so. You cannot transfer your card to another person or authorise or enable someone else to use it. If your debit order is unpaid by your bank due to insufficient funds, we may track your account and re-present the instruction for payment as soon as sufficient funds are available. T's & C's apply. If you make a payment using the incorrect reference, your payment may not be allocated to your account. Where the secondary cardholder makes a purchase using the secondary card, the purchase amount will be debited to your account. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed here (accounts opened prior to Oct 2020) and here (accounts opened from 1 Oct 2020). If you're ready to join the Identity crowd, please click here to apply online. We may change the features or cancel any repayment plan at any time on notice to you. 6.6. We will notify you as soon as possible of such a reduction in your credit limit. 3.2. 4.10.8. 8.1. You consent to and agree that we may at any time (even if you are no longer a cardholder, as permitted by law): 14.1.1. make enquiries to obtain or confirm any information about you; 14.1.2. submit to any credit or other bureau (or a third party) any information about you or provided to us by you in your application or about the application, transacting, opening and closing of this agreement and account; 14.1.3. seek, verify and receive information from any credit bureau or third party (with whom you have financial relations at any time) when assessing your application or your creditworthiness, and also at any time during the existence of your account; 14.1.4. provide, disclose and register the existence of this agreement and any personal information, and details relating thereto, to any credit bureau or third party (with whom you have financial relations at any time) sharing positive and negative information about you or your credit account, including any non-compliance with this agreement. Termination of this agreement, for whatever the reason may be, only terminates the credit facility accessed by you through the card and not the smart shopper programme operated by the merchant. Specified limits on additional secondary cards will not apply cumulatively. In the comfort of your own home in a few easy, quick steps, and once you submit your application you’ll be contacted within 48 hours. All you need is your SA ID and latest proof of income, to be permanently employed and paid monthly into an SA Bank account. These amounts will be shown on your statement. The application takes around 8 weeks to process. 4.5.3. sign a sales voucher acknowledging the purchase, if required by us. We will also release information to them about any account that you hold with us, including information about any payments you have missed. “A true PEP Dynamo is a loyal, sincere, humble, friendly, helpful, passionate, innovative, committed and hardworking individual who will support his/her team and treat others with dignity and respect – it all comes from the heart. 12.5. The address that you gave us when completing the application is the address that you choose where legal documents may be served on you. You must pay at least the minimum amount payable as indicated on your statement by the due date, which amount is made up of the sum of: 10.1.1. the instalment on the revolving plan; 10.1.2. the sum of the fixed repayments on the budget plan(s); 10.2. 3.4. “Card” means the Pick n Pay smart shopper card issued by the merchant to you in order for you to use the credit facility; 1.5. If you continue to use this site we will assume that you are happy with it. You agree and consent that we may process, record and/or disclose your personal information, including details of any transactions on your account, to: 13.2.1. assess any application that you make with us for credit or other financial services (we will sometimes use a standard credit-scoring or other automated decision-making system to do this); 13.2.2. manage your credit facility (and policies, if any), and make decisions on questions about any application, agreement or correspondence which you may have with us; 13.2.3. search credit bureaus, credit reference, fraud prevention agencies’ records or any other third party’s records so that we can manage your account and make decisions about credit, including whether to make credit available, to continue making credit available to you or extend further credit to you; 13.2.4. carry out, monitor and analyse our business; 13.2.5. contact you, directly or indirectly, by post, by phone, by e-mail, by SMS or other electronic means or in any other way about other products and services authorised by the Merchant which we consider may interest you, unless you tell us that you would prefer not to receive such offers; 13.2.6. any person or company working for or with us; 13.2.7. any insurer, if you arrange insurance through us; 13.2.8. any organisation which underwrites or supports any of our products which you hold; 13.2.9. the merchant or any of our retail partners; 13.2.10. any guarantor of your obligations under this agreement; 13.2.11. any payment system under or through which your account is paid; 13.2.12. any person to whom we transfer any of our rights or obligation under this agreement; 13.2.13. any third party who processes your personal information on our behalf (including third parties who are located and run their business outside of the Republic of South Africa); 13.2.14. any third party debt collection agency or attorney appointed to collect any monies you owe us; and. 14.1. 15.5. Free SMS notifications on all purchases for your security. *Cover underwritten by Guardrisk Insurance Company Limited and Guardrisk Life Limited, authorised Financial Services Providers. 8.6. 13.2.15. anyone you authorise us to give your personal information to. You will not have the right to claim anything from us or to institute any counterclaim against us or to apply set-off against us on this basis or any other basis whatsoever. 0. Should the major sanctioned country list be updated by us, your obligations in terms of clause 3.4.1 above and our rights in terms of clause 3.5 will apply to such updated list. 10.2.3. payment of the principal debt, it being agreed that your oldest debt will be paid first and according to the hierarchy of your revolving credit balance and thereafter according to the sequence of any further budget plan (if any) as entered into. If this happens, we may choose to also terminate this agreement. All information that you provide us with must be truthful, complete, accurate and correct. Get Started : Step 1 : Enter RSA ID Number * Step 2 : Enter Name Step 3 : Enter Surname Step 4 : … Unless you notify us in writing or by telephone within 30 days of the date of your statement that you dispute your liability for any debit appearing on your statement, you will be deemed to be liable therefor. You must let us know in your application. Post was not sent - check your email addresses! It is your responsibility to check your statement. Non-receipt of statements does not free you from your obligation to pay us. Pick n Pay reserves the right to amend the terms and conditions as well as terminate the Promotion at any time. If your account has been in arrears for a period as determined by us from time to time, during which period you failed to make any payments on your account, your account will automatically be classified as “written off” and will be closed on notice to you. Contact Local LoansAbout Local Loans 13.1. Simply send a clear photograph via WhatsApp to 084 484 4845, or email them to [email protected], fax them to (031) 328 4790 or take them to your nearest MRP store. 14.3. Apply today : ** You can apply in-store or apply Online . We may approach a court to take judgment against you for the debt owed by you to us in terms of this agreement. Your insurance premiums will be billed to your account and collected as part of your instalment. If so, the secondary cardholder will not be able to access credit in excess of this limit, but always subject to the credit available from time to time on your credit facility. All applications are subject to Capfin’s Credit Policy and an Affordability Assessment, as well as the submission of your SA ID and 3 most recent proof of income; We will email all your documentation and statements to you via the email address you provided. We will provide you with a settlement amount that you must pay us and after receipt and processing of such payment, we will close your account. 2.1 RCS Cards Proprietary Limited (Registration Number: 2000/017891/07) is a registered credit provider and authorised financial services provider, of Golf Park 6, Golf Park, Raapenberg Road, Mowbray 7700 (hereinafter referred to as “us”, “we”, “our”). 13.5. 5.2. Pep jobs now available. 9.2. City *. 5.5. Installation 1849, SAVE 150 Only valid for first time Explora customers, normal subscription fees apply. “Merchant” means Pick ‘n Pay Retailers Proprietary Limited (Registration Number: 1973/004739/07) of 101 Rosmead Avenue, Kenilworth 7708; or any person to whom it transfers any of its rights or obligations under this agreement; 1.10. *DStv Explora decoder 849, SAVE 150 *DStv Explora decoder incl. 15.8. Any queries in this regard, and a copy of these rules can be found at www.picknpay.co.za or by calling the consumer services division on 0800 11 22 88 during office hours throughout the period of the promotional offer. In the event of conflict between this agreement and the smart shopper terms and conditions, this agreement will prevail to the extent that the subject-matter of the conflict relates to or affects the credit facility. If your account is in arrears, you authorise us (and mandate your bank) to also deduct such arrear amount, as well as any other amount that may be due from time to time by you to us in terms of this agreement, from your bank account through an additional debit order. First Name *. The consents that you are providing us with in terms of clause 13.2 above shall apply even if we do not grant your application for credit. “Debit order” means a standard EFT debit order or an early debit order whereby we instruct your bank to deduct an amount from your bank account and to pay that amount directly over to us on your behalf. Settling your account does not automatically mean that your account will be closed. You acknowledge and understand that a credit bureau will provide us with credit profile information and possibly a credit score reflecting your creditworthiness. If your application is approved, we'll send you an SMS to collect your card. table.mobiwidth100 {width: 100%!important;} Once approved, the funds will be directly paid into your bank account and you can use the money for anything you need, like medical expenses, schoolgirls or … If you forgot your username or password, click here. You must repay the amount of the increase in full with your next instalment. 13.3. The credit bureaus used by us can be contacted at: Transunion Credit Bureau, Wanderers Office Park, 52 Corlett Drive; Illovo, Tel: 011 214 6000; Experian, Experian House, Ballyoaks Office Park, 35 Ballyclare Drive, Bryanston, Tel: 011 799 3400; Compuscan, Compuscan House, 3 Neutron Ave, Techno Park, Stellenbosch, Tel: 021 888 6000; XDS, 11-13 St. Andrews Street, Oakhurst Building, Parktown, Johannesburg, Tel: 011 645 9100.
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