Terms and Conditions

Russells is a brand trading within Pepkor Trading (Pty) Ltd, registration number 1958/003362/07.

These terms govern your use of our website.  Access to the services, content and downloads available on the Russells website may be classified as “electronic transactions” as defined in terms of the Electronic Communications and Transactions Act, Act No. 25 of 2002(ECT Act)

1.1 We provide the Russells website as a convenience to you. To use the Russells website for services including but not limited to online shopping, browsing, product information, store locations, subscribing as a user, viewing and managing your account and orders, etc. we may require you to provide your personal information.

1.2 We reserve the right to change the documents and/or other materials contained on this website from time to time without notice. This Right also applies to these terms and conditions. Russells will post the revised terms on the website. You may use the Russells website for your personal and non-commercial use, not for republication, distribution, sale or any other use.

1.3 If there is a conflict of meaning between these website terms of use and any other terms, policies or notices, the specific terms, policies or notices will take preference where it applies to your use of the Russells website.

1.4 The Terms constitutes the entire agreement between the parties. If any term is void, unenforceable, or illegal, the term will be severed and the remainder of the terms will be effective.

1.5 Unless otherwise specified, the goods and services offered on this site are intended for citizens of the Republic of South African only. The terms will be governed by and interpreted according to the laws of the Republic of South Africa without giving effect to any principles of conflict of law. By you ticking the “I confirm I have read and understand the Terms & Conditions applied to the use of this website” box forms a legally binding agreement between you and Russells.

In the Russells website terms of use:

2.1 “terms” mean these website terms of use, any specific terms, the privacy policy and any other terms, policies or notices agreed between you and Russells;

2.2 “we” or “us” or “Russells” means Russells whichever one applies;

2.3 “website” means www.russells.co.za;

2.4 “Russells website” means www.russells.co.za;

2.5 “you” or “user” means any person who visits, accesses or uses the website.

As a user, Russells grants you a limited, non-transferable revocable license to access and use the website subject to the terms and conditions. Your license does not extend to the website’s source code or to the source code of any software or computer program that forms part of the website. You may only use the website for personal use, limited to viewing the website, providing information to the website, downloading product information for your review from the website or purchasing goods or services from the website.

3.1 You, the customer, agrees and acknowledges that:

3.1.1 You will at all times comply with the requirements of the Law(s); including the National Credit Act of 2005 and the Consumer Protection Act and/or any other applicable legislation (to the extent that it is relevant to the customer for the receiving, compiling and reporting of information. Without limiting the generality of a foregoing, the Customer specifically acknowledges and agrees   that, when reporting Personal and other information to Russells;

3.1.2 Such information will include all mandatory data;

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

3.1.4 You may submit the information to Russells, to make such information available to its associated partners, to render the services offered, and that such information is not subject to a duty of confidentiality between Russells and the customer.

3.1.5 As a Visitor or User, you agree that we may electronically accumulate, keep and use the following of your information:

3.1.6 Internet usage information, including your Internet Protocol (“IP”) address, click patterns, browsing habits, version of software installed, system resolutions and type, plug-ins, color capabilities, cookie preferences, language settings, search engine metawords(keywords), JavaScript enablement, unique user ID, the pages and content that you access on the Platform/Website and the dates and times that you visit the Website, paths taken, and time spent on pages/sites within the Website (“Usage Details”); and

3.1.7 Additional information you may provide voluntarily, such as demographic information or data related to your favourite social networking site (e.g. the site name, address and description(s)), or information relating to your participation in Russells competitions, promotions, studies, reviews and surveys, and additional services. (“Optional Details”).

3.1.8 Details submitted, when registering or transacting, for the purpose of using the services on the Russells website.  Optional Details may be submitted by you to us if you decide to upload or download certain content (or products) from the Website/Platform, enter competitions, partake in promotions, respond to reviews/surveys, subscribe to or register for specific additional services; or else use any of the optional features and functionality of the Website/Platform.

3.1.9 “Cookies” Information: When you access the Website/Platform, we may send one or more cookies (these are small text files containing a string of alphanumeric characters) to your computer to collect certain Usage Details. Russells may use both session cookies (which disappears after you close your browser) and persistent cookies (which remain after you close your browser which can be removed manually) and may be used by your browser on subsequent visits to the Website/Platform. Please note the use of cookies is a norm/standard on the internet and many major websites use them. Please refer to your web browser “Help” file to learn more about changing your cookie settings.

3.1.10 When you access the Website/Platform or open one of our HTML emails, certain Usage Details may be automatically collected and recorded by us from your system by using different types of tracking technology.

3.1.11 Our Website may contain electronic image requests (called a “single-pixel gif” or “web    beacon” request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner); can act as a web beacon. Web beacons are typically; 1by1 pixel files,  (very small unnoticeable files), but their presence can usually be seen within a browser by clicking on “View” and then on “Source.” We may also insert web beacons in HTML-formatted newsletters, which we send to “opt-in” subscribers in order to count how many newsletters have been read. Russells web beacons do not gather, monitor or share any personally identifiable information about our Customers.  They are just the technique we use to compile anonymous information about the Website and Service.

3.1.12 Russells may use any Optional Details provided by you, for such purposes as indicated to you at the time you agree to provide such Optional Details.

3.2 We may use your Usage Details to:

3.2.1 Automatically validate and/or verify your identity; for website and transaction security purposes via Russells or via a third party service provider;

3.2.2 Automatically provide you with the latest version of the Russells application on your system;

3.2.3 Remember your information so that you will not have to re-enter it during your visit or the next time you access the Website/Platform;

3.2.4 Monitor aggregate Website usage metrics such as total number of visitors and pages accessed; and

3.2.5 Track your entries, submissions, and status in any promotions or other activities in connection with your usage of the Website/Platform.

3.2.6 Russells shall take all reasonable steps to protect the personal information of the Users and for this purpose, “personal information/personal details”; shall be defined as contained and detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA).

3.2.7 If you are a Russells website users, you agree that we may also electronically gather, save and use the following of your information:

3.2.8 Name and surname, birth date, gender, identity number and /or passport number, nationality and country of residence (“Personal Information/Details”);

3.2.9 E-mail address, mobile number, home and delivery address and credit card billing address (“Contact Details“);

3.2.10 The credit or debit card number, cardholder name and expiration date you submit to Russells website in respect of your credit or debit card(s), (Credit or debit cards)

3.3 Russells Website Users collects the aforesaid information from you in the following manner:

3.3.1 User-provided Information: Your Personal Information/Details, Contact Details and Debit or Credit Card Details will be provided by you directly to us during your registration as a Russells website user and/or thereafter by you actively transacting, updating or supplementing such details in your Russells website users Account.

3.3.2 Russells uses the information that Russells website users provide (or that we collect) to operate, validate, verify, maintain, enhance and provide all of the features of the Services, and as may be necessary to comply legally when conducting online payment transactions and related service provided.

3.3.3 We use your Debit or Credit Card Details in order to provide the Services (including the verification thereof when you transact with Russells) and, should fees be charged for some of the Services and you have selected a credit or debit card as your means of payment therefor, to debit such credit or debit card for such fees owed by you.  We use your Personal Information/Details to greet you when you access your Russells User Account, to manage and administer your use of the Services and fulfill our contractual obligations, including the verification of your identity when you transact with Russells.

3.3.4 We use your Contact Details to verify your identity and to inform you of facts relating to your use of the Service(s) (e.g. notifications regarding major updates or content you have posted or downloaded from the Website/Platform, customer service notifications, and to address any copyright infringement or defamation issues); as well as to inform   you, subject to obtaining your prior agreement, of competitions, promotions and special offers form us and/or any of our partners and/or affiliates.

3.3.5 Any user, who commits any of the offence detailed in section 85 to 88 of the ECT Act 25 of 2002 shall, notwithstanding criminal prosecution, be liable for all resulting loss or damage suffered and/or incurred by Russells and its partners/affiliates.

3.4 You may not:

3.4.1 Provide any untrue or incorrect information to the website or Russells;

3.4.2 Change, copy, decompile or reverse-engineer the website or use the website to make derivative copies;

3.4.3 Lease, sell, assign or in any other way to distribute the website or any information gotten from the website without the prior written consent of Russells;

3.4.4 Use malicious search technology, including but not limited to spiders and crawlers;

3.4.5 Frame any pages of the website

3.4.6 Deep link to any pages of the website in a way to suggest that you are the owner or license of any intellectual property in the website.

3.4.7 Use the interactive sections of the website, for instance forums, clubs, surveys and e-   mailing, to post any material which in Russells discretion is false, defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, sexually oriented, threatening, invasive of a person’s privacy, or otherwise violates any laws. Russells does not have editorial control over the submission of any content to interactive sections of the website. You submit all information, including the publication of pictures and/or articles, at your sole risk and responsibility. Russells is not responsible or liable for damages or other adverse consequences caused by the use of the submissions.

In line with the Film and Publications Board Act 3 of 2009 (FPB) as amended; to intensify the efforts to protect children from harmful images within the media, including films, exhibitions, games, the internet and other publications, the website is not targeted at children under the age of eighteen (18) and Russells will not knowingly collect information from users in this age group.

No transaction concluded between Russells and a person under the age of 18 shall be binding upon Russells unless written consent thereto is received by Russells from your parent or legal guardian. Russells therefore reserves its right to request proof of identity prior to concluding any transaction with you. By your continued use of this website, you warrant that you are 18 years old or older.

4.1 A sales order will only be deemed as completed once you have completed the purchase cycle, an approved payment/order confirmation is received and delivery has taken place. We will confirm your purchase order with you via your specified email. By you placing a product into your shopping cart or adding a product to a wish-list does not constitute a sale nor is such products, its price nor its quantities reserved. In the event that you complete the purchase cycle for such products at a later stage Russells cannot be liable to honor any Price changes or if such products are not available.

4.2 Russells shall use reasonable attempts to make the advertised stock available at the displayed price, for the period specified. Where there is expressed stock limitation or availability, Russells shall supply the consumer with equivalent stock as an alternative to the advertised stock. In the event of running out of stock on the expressed stock limits, Russells may limit the number of sale goods per consumer. However, Russells strives to ensure that we minimise out-of-stock situations and will take all reasonable measures to make your purchased product available at the advertised price or inform you of an equivalent product option.

A refund is deposited directly into your credit card or bank account. This process may take up to 3 - 7 Working Days. A refund processing period will only start from the time we have received the returned goods.

5.1 Return of Goods

5.1.1 Non-returnable/ non-refundable items:

5.1.1.1 Delivery and or installation costs

5.1.1.2 Pre-paid cards

5.1.1.3 Digital content

5.1.1.4 Any damaged or abused items

5.1.1.5 Computer and gaming software, speakers, CD's, DVD's and Bluray discs unless it is found that the goods were defective at the time of purchase

5.2 Under no circumstances will we accept goods where the consumer has been afforded the opportunity to inspect the goods prior to the purchase and subsequently changed his/her mind about the goods, the goods have been damaged due to the consumer's negligence, the goods have been disassembled, permanently installed, physically altered, used or installed contrary to our or the manufacturer's instructions and/or have been subjected to misuse or abuse.

5.3 We sell goods for domestic use only and for the purpose for which we manufactured them. It will also exclude normal wear and tear. If you want to return alleged defective goods in terms of a warranty, we or the manufacturer will assess the goods to determine the reason for the defect.

5.4 Subject to these terms, all goods carry an implied warranty in accordance with the Consumer Protection Act 68 of 2008 ("CPA") which gives the consumer the right to return the unsafe and defective goods in terms of section 20 read together with section 56 of the CPA. Our goods also carry a manufacturers' warranty where applicable, which will run concurrently with any warranty in terms of the law. The implied warranty on goods supplied places an obligation on Russells to accept the return of unsafe or defective goods within six months of delivery, in the event of the goods not complying with requirements and standards contemplated in section 55 of the CPA. Furthermore, the consumer has a right to return goods to Russells if:

5.4.1 The consumer finds within 10 days that the goods are unsuitable for a particular purpose for which the consumer has expressed intention to use the goods as contemplated in s55(3);

5.4.2 The consumer did not have a chance to examine the goods and rejected delivery of the goods for any reasons contemplated in section 19(5); and

5.4.3 The consumer has refused delivery of any of those goods, because they were mixed with items that were not ordered, as contemplated in section 19(8).

5.5 You are entitled to cancel any sale concluded on this Website (online sales) within 7 days after date of receipt of the goods and to obtain a refund. You may also cancel a sale where delivery is delayed beyond the stipulated delivery date/timeframe (or where none is specified, beyond 30 days from the order date).

5.6 In the unfortunate event that your purchased goods become faulty/ defective, you may opt to have it taken to any Russells store. You will be entitled to the following option of as per the CPA (after goods has been inspected and assessed)

5.6.1 Have such goods repaired

5.6.2 Have goods replaced

5.6.3 Be refunded the price paid

5.7 If we find the goods to not be faulty, you will be liable for all handling and shipping charges; for the collection and the re-delivery of the product to you. You will be liable if the goods are damaged or faulty because of misuse, abuse or negligence.

5.8 The warranty does not cover any defects caused by foreign objects or connection errors that are not part of the appliance, including but not limited to;

5.8.1 Use other than domestic use by the customer or his/her immediate resident family at the declared addresses appearing on the front of this document;

5.8.2 Failure by the customer or any other person to comply with the manufacturers’ instructions for installation, maintenance or use;

5.8.3 The use of accessories which have not been approved by the manufacturer;

5.8.4 The application and/or use of any incorrect or abnormal electrical or water supply to the appliance;

5.8.5 Any defect in wiring, electrical connections or plumbing which does not form part of the appliance at the time of the original purchase;

5.8.6 The presence in the appliance of objects which the appliance is not intended to cope with, such as hairpins, coins and buttons in washing machines, hot food in fridges and chewing gum and wax crayons in tumble dryers;

5.8.7 Neglect, misuse, or willful abuse of the appliance;

5.8.8 Anything related to the appearance of the appliance which does not in Russells sole opinion prevent the appliance from working adequately: this includes but is not limited to cosmetic and manufacturers’ defects such as: discoloring of any part of the appliance, paint peeling off, cracked or broken handles, plates, hinges, wheels, panels, shelves or any portion of the product which is glass;

5.8.9 Rust or the effects of rust;

5.8.10 Repairs or attempted repairs of the appliance by any person other than Russells or its authorized repairers;

5.8.11 Any modification of the appliance by any person other than Russells or its authorized repairers;

5.8.12 Parts or items of the appliance which are expected to wear out before the extended warranty period expires, including but not limited to, batteries, filters, disposable bags, rubber or plastic hose pipes, drive or fan belts, fuses and/or light bulbs cartridges, toners or ribbons;

5.8.13 Fire, food, war, civil disturbance, industrial action, acts of God or any other causes beyond the reasonable control of the Russells;

5.8.14 Any defect arising out of the design of the appliance;

5.8.15 Any defect caused by lightning strike or power surges;

5.8.16 Blown or damaged speakers arising from misuse;

5.8.17 Any damage caused due to the use of generic or re-filled cartridges;

5.8.18 Any loss or destruction of, or any damage to any property whatsoever, or any loss expense whatsoever arising there from, or any consequential loss or any liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from ionizing, radiation, or contamination by radio activity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel. Combustion shall include any self-sustain process of nuclear fission, or any loss, destruction, damage or disability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material.

5.9 With cameras, the warranty does not apply to any accessories, batteries, charges, attachable lenses or additions which do not make up the main body of the camera. With TV’s; Hi-Fi’s; VCR’s or DVD’s–remotes are not covered.

5.10 Russells will not be liable for the costs of;

5.10.1 Maintenance, including cleaning, clearing of blockages and overhaul, insect infestation or paper jams;

5.10.2 Work covered by the manufacturers’ recall of the appliance;

5.10.3 Call out charges where the breakdown is not covered by the extended warranty;

5.10.4 And material or labor which is recoverable from the manufacturer or any person who may be held responsible in terms of any other guarantee or warranty.

5.11 Russells will not in any circumstances be liable for any consequential loss or damages suffered by the customer whether directly or indirectly related defect in the appliance to the extent permissible by law.

5.12 Repairs may not be affected without prior authorization from Russells.

5.13 In the case of an authorised repairer being called out for a fault covered by the warranty, the supplier shall pay the repairer for all labor and materials supplied in terms of the warranty, while the customer shall be liable to pay the repairer all other charges, including but not limited to the call out charge should no defect be found in the appliance.

5.14 The repair will be carried out in terms of the warranty within a radius of sixty kilometers from the appointed service agent’s premises. Should the repairer be required to travel beyond this radius, the customer will be charged at the prevailing AA rate per kilometer.

5.15 Russells authorised repairers reserve the right not to do house calls in areas where their personal safety may be at risk.

5.16 Certain products will contain their own supplier warranty and you are advised to keep same and refer to same for any differences in the above

All pricing displayed on the web is inclusive of the current South African VAT, in South African Rands and is subject to price changes and may change without any warnings or notifications. Please note that all prices displayed exclude the cost of delivery. Russells takes utmost care to ensure that the displayed prices are correct. Where pricing on the website differs from the actual in-store pricing, the applicable price will be the lesser of the two prices, unless the lesser price is made in error and we have taken reasonable steps to rectify the error and or where it is a website specific promotions for online purchases only or in branch specific promotion for branch purchase only.  Hence such promotional pricing will not be honored. If a mistake is made or incorrect price is displayed we will correct these as soon as we are made aware of the incorrect displayed price.

Goods made to order will result in additional costs

We conduct all transactions in South African RAND (R) (ZAR) through PayU Payment Solutions (Pty) Ltd. When PayU Payment Solutions (Pty) Ltd processes a transaction for you via any of their secure payment web services, the transaction is encrypted. The PayU Payment Solutions (Pty) Ltd security policy can be found at https://www.payu.co.za/faqs/security.

Please also read the PayU Payment Solutions (Pty) Ltd Terms and Conditions, at https://www.payu.co.za/legal. By submitting a sales order through any of the Russells website services, you warrant that you are acting within the bounds of the law and that you have the legal capacity to transact or have the mandate to transact to do so. This includes that you have got the express permission (indemnity) of the person and or business whose information you are submitting/using through any of our services and that you are not in breach of the Consumer Protection Act or National Credit Act, or any other applicable legislation. You indemnify Russells, its Members and employees from any claim and/or liability from any third party arising out of your instructions and/or use of the service(s.5;

Russells accepts the following types of payments on its website:

7.1 Credit Card payments: Only South African issued (Visa and Master) credit cards are accepted for online payments. On completing the purchase cycle we send the sales details to the bank if payment is unsuccessful or authorisation is not issued by the bank we cannot complete your purchase cycle.

7.2 Bank Deposits and Electronic Funds Transfer: Should you select to pay via a bank deposit or Electronic Fund Transfer, on completion of your order an instruction will be emailed to you regarding the method in which monies must be deposited in Russells account which is subject to the following Terms and conditions:

7.3 EFT Pro: the full amount must be paid as per your order request within 48 hours of placing your order. We will cancel your order should you fail to deposit/transfer the funds within 48 hours of placing your order. The EFT must be in SA Rands (ZAR) only (no other currency will be accepted). Russells cannot be held liable for any delays, errors, fees, bank-affiliated fees / admin charges and currency fluctuations. PayU EFT Pro only facilitates the transaction between you and your bank. The terms and conditions existing between you and the Bank still apply. PayU does not store any online banking login details. The Delivery timeframe is relative and depends on the time and date of the successful EFT Pro confirmation (please refer to our delivery timeframes T&Cs for info). As we do not store your banking details when conducting an EFT PRO, should you request a refund, we will require you to furnish your Bank account details again.

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

7.5 No cheque deposits are accepted.

7.6 Mobicred facilitates the credit transaction. The terms and conditions existing between you and mobicred still apply. The Delivery timeframe is relative and will depend on the time and date of the successful mobicred confirmation (please refer to our delivery timeframes T&Cs for info.

Your order number needs to be used in the reference section of the deposit slip or the electronic transfer, we will not be held liable for any delays should you fail to include these.  Your delivery timeframe is dependent and will commence on the time and date of the funds reflecting in Russells account.

Depending on the bank, some payments may take up to three business days to reflect in our account. In such circumstances there will be a delay in having your order shipped.

When paying using PayU EFT Pro, the communication process between you and your bank shall occur as it would when you are conducting an EFT with the Bank. It will redirect you to the online banking login screen and it will prompt you to log in with your online banking credentials. You will receive a one-time pin (OTP) which you would need to enter to confirm your payment.

It requires registration with 3D Secure when shopping online with us as a 3D secure merchant. No username and password to remember anymore. You will now receive a one-time pin (OTP) instead that will only be valid for one transaction when shopping at a 3D Secure merchant, protecting your Credit Card against fraudulent online use. We all love the convenience of shopping online but concerned about the risks that may be involved. Therefore, we at Russells deploy technology, such as 3D Secure, which will protect you while you shop.

Russells reserves the right, to prevent suspected fraud, to refuse to accept or process the payment of any order, and/or to cancel any sale concluded between you and Russells, in whole or in part, on notice to you. Russells shall only be liable to refund monies already paid by you (see Russells Refund Policy in point 26 in this regard) and accepts no other liability which may arise as a result of such refusal to process any order/sale.

8.1 General Delivery Information

Unless otherwise specifically stated or specifically agreed to, the delivery charges will be for your account.

8.1.1 Russells delivers within the borders of South Africa only.

8.1.2 Deliveries are door-to-door and must be to a physical address within the borders of South Africa and not a Post Box. We do not deliver to any postal addresses. Please ensure all delivery details including the postal code are accurate, as you will be liable for all additional handling and shipping charges because of such errors. Please ensure someone is available to sign for and receive your goods at the time of delivery. We will deem it you, as the purchaser, assigns without prejudice and without a proxy, to a party other than yourself, to sign for your goods at your specified and confirmed delivery address should you not be present at the time of delivery.

8.1.3 You accept that Russells does not have to prove that you received the delivery of such goods. You agree that it would only require us to prove that someone, not necessarily yourself, signed for the goods at your specified and confirmed delivery address. Although we monitor every purchase order to ensure we deliver your package.

8.1.4 Should you have not received your delivery of goods after 24 hours of the expired delivery period, you need to contact us within a maximum of 48 hours. Should you not notify us of a ‘no delivery’ within the period, you agree that we would deem you received the purchased goods.

8.1.5 Delivery of products purchased through the online store is subject to the geographical delivery framework as determined by our courier partner. Should your delivery address    fall into one of these categories, you will be liable for any additional costs incurred in delivery, storage and or returning the parcel.  (Category list as follows; plots, farms, mines, military bases, major chain stores, power stations, game reserves and lodges and harbors)

8.2 Failed delivery:

8.2.1 We will notify you of a failed delivery i.e.: whereby no one was at the specified delivery address to receive and sign for the goods at the time of delivery. We will endeavor to reschedule the delivery with you within 24 – 48 hours; however you may be liable if any additional handling and shipping charges are incurred for a re-delivery.

8.2.2 Goods shipped in error /Incorrect goods delivered:

In the unfortunate event that you receive a delivery whereby the goods and or its quantity delivered to you does not match your products and its quantity as per your waybill/purchase order, you agree to notify us immediately upon receipt of such delivery on 0800 110 775, to have the incorrect goods collected and the correct goods delivered to you.

8.3 Damaged Goods delivered:

Please notify us within 24 hours of receipt of delivery on 0800 110 775, in the regrettable event that you receive a damaged product. We will do our utmost best to have the damaged product collected and a new product delivered to you within a maximum of 48hours (weekdays only).

8.4 Price of delivery:

Delivery prices differ and is determined by:

8.4.1 Location within major centers or Outlaying Delivery Areas

8.4.2 Type of delivery (Normal order, special order, customer order)

8.4.3  Weight and Dimensions of total purchase order

8.4.4 In the event of special delivery deals, the price of the product or total purchase order value could determine the delivery rate.

8.4.5 The price of your delivery is calculated automatically and will be displayed prior to the payment process, in the shopping cart and at checkout.

8.5 Delivery Periods important to note:

8.5.1 Delivery service will start on payment confirmation received (or only after requested supporting documents like the verification of a TV License and a copy of an I.D) have been received.

8.5.2 Delivery periods will be effected within the selected delivery type timeframe, after collection from point of dispatch and between Major Centres from Monday to Sunday.

8.5.3 We deliver from Monday to Sunday from 08:00 to 17:00 to both business and residential addresses. We may request identification upon delivery. Major centres include any destination within a 40km radius of the following cities: Pretoria, Johannesburg, Bloemfontein, Cape Town, George, Port Elizabeth, East London, Durban, Pietermaritzburg and Nelspruit. Delivery to the major centres is usually within 5 working days. The following areas may experience delays because of airline constraints: George, Nelspruit, Richards Bay, Polokwane and Welkom.

CREDIT TERMS AND CONDITIONS

The monthly instalment and total credit price include interest as shown, basic insurance, initiation fee, service fee and VAT which is in line with chain deal calculator.)

Delivery charges, deposit, comprehensive insurance and extended warranties are excluded. ‘Credit’ and ‘No Deposit’ offers remain subject to credit approval, an affordability assessment as required by the National Credit Act and a debit order where relevant.

Russells may require you to produce proof of an insurance policy or take up insurance with us. The minimum application requirements include a copy of an ID document, latest payslip, 3 months’ bank statements, monthly expense details and your household content insurance or Credit Life policy documents. These requirements depend on your employment status and risk profile. All offers are valid while stocks last and cannot be used with other in-store promotions. Ask the sales representatives for details. Unless otherwise stated, matching products and complementary accessories are not included in the price shown. All major credit cards accepted.

Connect Financial Solutions (Pty) Ltd (Reg no.: 2018/431596/07) an authorised Financial Service provider and a registered Credit Provider (NCRCP11158) trading as Russells

9.1  Quick On-Line Credit App Terms and Conditions (Ts & Cs)

9.1.1 General

9.1.1 Quick On-Line Credit App is subject to your acceptance of the T&Cs set out. By clicking on the tick-box provided, you acknowledge that you have read and understood the use of the website’s terms and conditions and the Quick On-Line Credit App and agree to be bound by them.

9.1.2 These T&Cs must be read together with our website Terms of Use, a copy of which can be found at www.russells.co.za or you can request them from us by email or calling by our call centre.

9.1.3 Quick On-line Credit App Process

9.1.4 By completing and submitting this Quick On-Line Credit App, you;

9.1.5 confirm that you have read and understood these T&Cs, the meaning and that the Quick On-Line Credit App is subject the full credit application terms and conditions which include an affordability assessment as required by the National Credit Act, as amended to, (“NCA”);

9.1.6 Confirm that you are the person whose details you have given to us as the applicant in the quick online credit app;

9.1.7 confirm all information that you provide us is truthful, complete and correct. You must immediately notify us if any of your information changes;

9.1.8 Confirm you can apply for credit and to enter a credit agreement with us which includes that you are mentally sound, not under the influence of alcohol or drugs, above the age of 18 and got written consent from your spouse or civil partner. (where applicable);

9.1.9 consent to the further processing of your personal information for purposes relating to the Quick On-Line Credit App, including any Credit Bureau and other agencies, as permitted by law,

9.1.10 Once you receive confirmation that you qualify for credit confirmation of which you will receive by email and/or SMS, we require that you visit any Russells store, quote your ID number or passport number and complete a full credit application.

9.1.11 Minimum full credit application Ts &Cs include:

9.1.11.1 ID Book or Passport (for non-RSA nationals);

9.1.11.2 Latest payslip;

9.1.11.3 (three) months bank statements;

9.1.11.4 Monthly expense details and your household content insurance and/or Credit Life policy documents;

9.1.11.5 These requirements are dependent on your employment status and risk profile. INTEREST RATE, DEPOSIT, INSTALMENT AND CREDIT PRICE MAY VARY BY CREDIT PROFILE AND TERM LOAN.

9.1.12 The Quick On-Line Credit App is subject to the verification of the identification of the applicant being above the age of 18, who has a valid identity document or passport.

9.1.13 Your Quick On-Line Credit App offer will only be valid for 7 (seven) days from Quick On-Line Credit App Date.

9.2 Disclosures and consent

9.2.1 Connect Financial Solutions (Pty) Ltd (Reg no.: 2018/431596/07) an authorized Financial Service provider and a registered Credit Provider (NCRCP11158) trading   as Russells

9.2.3 You consent to and agree that Pepkor Trading (Pty) Ltd is to access any of your personal information required from any Credit Bureau and other agencies, as permitted by law, to:

9.2.4 make enquiries to get or confirm your credit profile and repayment behaviour;

9.2.5 To supply and/or submit any information about you or provided to us by you;

9.2.6 seek, verify and receive information from any credit bureau or a third party (with whom you have financial relations) when assessing your quick online credit app or your creditworthiness;

9.2.7 To disclose the above information as required in law; and

9.2.8 to keep records of your personal and credit information in any database under the “NCA”) requirements.

9.2.9 You acknowledge and understand that a credit bureau will provide us with credit profile information and possibly a credit score reflecting your creditworthiness. You cannot hold us responsible for any loss that you may suffer or damage that you may incur caused by any credit bureaus or agency.

9.3 Information Security Policy

9.3.1 You agree to keep your information safe and to not disclose it to any unauthorized third party. You further agree that we cannot be held liable for any damages or loss sustained by you as a result such information becoming known to third parties, whether through your actions or through fraud, malware or phishing.

9.3.2 We reserve the right to suspend any account that we believe may have been compromised accordingly.

9.3.3 You must notify us immediately if you believe that we have processed your information without your permission. You can contact us on our call centre number or e-mail address as per the details below.

9.4 Law

9.4.1 This Quick On-Line Credit App is governed by the laws of the Republic of South Africa, irrespective of whether or not you are South African or are accessing our website outside of the Republic of South Africa.

9.4.2 In terms of the Electronic Communications and Transactions Act of 2002, as amended, (“ECTA”) these Ts&Cs are binding and legally enforceable against you.  We do not sell any products via this Quick On-Line Credit App and accordingly, the provisions of ECTA relating to electronic transactions in this regard do not apply in respect of the Quick On-Line Credit App.

9.4.3 You may resolve any dispute that may arise between us by alternative dispute resolution, or to file a complaint with the National Credit Regulator, (“NCA”) or to apply to the Tribunal as per details below.

9.4.4 Subject to the “NCA”, we may, from time to time, update or change these Ts&Cs. We recommend that you read these Ts&Cs every time you access and use our website. Amended Ts&Cs will bear a different version number on the footer of each page and will supersede and replace any previous Ts&Cs.

9.4.5 No indulgence or extension of time that either you or us may grant to the other will make up a waiver or, limit any existing or future rights of the grantor in terms except if the grantor has signed a written document expressly waiving or limiting such rights.

9.4.6 We shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Ts&Cs without notice to you.

9.4.7 All provisions of these Ts&Cs are, notwithstanding how they have been grouped or linked grammatically, severable from each other. Any provision of these Ts&Cs which is, or becomes unenforceable, whether because of being voided, rendered invalid, illegal, unlawful or for any other reason whatever, shall, only if it is so unenforceable, be treated as not having been written and the remaining provisions of these Ts&Cs shall remain in full force and effect.

9.5 Contact Details

The following contact details are hereby disclosed:

Customer Care: 010 211 1120 or [email protected]

Credit Ombudsman: 086 1662 837

National Credit Regulator: 086 062 7627

Credit Bureau: 086 1128 364

10.1 DEFINITIONS

In this Agreement, unless the context indicates differently: -

10.1.1 "Agreement" means these terms and conditions, including the Schedule and all written notices that the supplier has given to the consumer;

10.1.2 "Business day" means any day except for a Saturday, Sunday or South African public holiday;

10.1.3 "Consumer"/"you"/"your" means the person who has agreed to enter into this Agreement and whose details are recorded in the Schedule;

10.1.4 "Schedule(s)" means the Retail Lay-By Schedule attached to these terms and conditions which records the purchase price of the goods, the number of amounts to be deposited, the quantity of the amounts to be deposited, the dates on which the amounts need to be deposited and any other Schedules which may be attached hereto by agreement between the parties;

10.1.5 "Supplier"/"we"/"us"/"our" means JDG Trading Pty (Ltd);

10.1.6 "VAT" means value-added tax chargeable under the Value-Added Tax Act 89 of 1991;

10.1.7 The headings of the various clauses in this Agreement have been inserted purely for the purpose of convenience and they will not be used to interpret the Agreement.

10.1.8 Any reference to a gender includes the other genders; and

10.1.9 The singular includes the plural and vice versa (the other way around).

10.2 INTRODUCTION

 You have agreed:-

10.2.1 To buy the goods set out in the Schedule on lay-By; and

10.2.2 To pay for the goods by making regular deposits until payment of the full purchase price, as set out in the Schedule.

10.2.3 You understand and agree that the goods will not be delivered to you and you will not become the owner thereof until you have paid the full purchase price for the goods. The goods will remain at our risk until you have accepted delivery of them.

10.3 You agree that:-

10.3.1 This Agreement represents the entire Agreement between the you and the supplier and that no alterations or additions to this Agreement may be effected unless agreed to by both parties, reduced to writing and signed by you and a duly authorized representative of the supplier; and

10.3.2 For purposes of this Agreement "signature" or "signed" does not include an electronic signature as contemplated in the Electronic Communications and Transactions Act 25 of 2002 ("ECT Act").

10.4 PAYMENT OF DEPOSIT AND INSTALLMENTS.

10.4.1 You understand and agree that:-

10.4.1.1 The purchase price of the goods includes VAT at the current rate of tax; and

10.4.1.2 if before the full purchase price of the goods is paid by you, the VAT rate is changed concerning the supply of the goods, we may recover the VAT increase from you before delivery of the goods.

10.4.2 The Agreement will commence upon signature of the Agreement and payment of the initial deposit set out in the Schedule.

10.4.3 Thereafter, you must deposit the monthly amounts on or before the due dates until the final payment date. All amounts must be deposited at the address of the store, as detailed in the Schedule, or via a direct deposit into the bank account of the store.

10.3.4 We will apply the deposits towards the settlement of the purchase price on the last payment date.

10.5 TERMINATION OF THE AGREEMENT.

10.5.1 If you terminate the Agreement before paying the full purchase price, or fail to complete the payment for the goods within 60 (sixty) business days after the final payment date, we:

10.5.2 May charge a termination penalty of 1% of the full purchase price of the goods. At your request, we will provide you with written details on how the penalty was calculated. We will not charge a termination penalty if sufficient proof is made available to us that your failure to complete payment was due to death or your hospitalization;

10.5.3 After deducting the termination penalty (if any), will refund you any amounts paid by you under this Agreement;

10.5.4 You understand and agree that if the agreement had been terminated for any reason and you wish to buy other or similar goods, you will be required to enter into a new agreement with us and the current price of the goods will then apply.

10.6 STATEMENTS OF ACCOUNT AND CONTACT DETAILS.

10.6.1 We will deliver a monthly statement of account to you by way of email or SMS, as may be elected by you.

10.6.2 You must check each statement as soon as you receive it and inform us within 7 days of receipt thereof if you think that a statement is not correct.

10.6.3 It is your responsibility to provide us with the correct contact details and to inform us of any changes.

10.7 DELIVERY OF GOODS.

10.7.1 We will make every reasonable effort to deliver the goods to you as soon as possible after we have received the full purchase price of the goods.

10.7.2 We cannot be responsible for failure to perform or to deliver or delays in performance or delivery due to circumstances beyond our control (“force majeure”.) We will not be liable to you for any loss arising from any failure or delay in performance or providing the goods resulting from “force majeure” events. We will use reasonable attempts to continue to perform in terms of this Agreement as soon as performance becomes possible. We may contact you to agree on alternative dates for delivery, but will not require you to accept delivery at an unreasonable time.

10.7.3 You understand and agree that the goods, as set out in the Schedule, are identified and described by style, make, model, kind, design or category (“Type”). This does not mean that we set aside specific goods for the duration of the Lay-By agreement, but that we deliver that Type to you after receipt of the full purchase price for the goods.

10.7.4 If, for reasons beyond our reasonable control, we are unable to deliver that Type to you, we will, at your option:-

10.7.4.1 Supply you with an equivalent quantity of goods that are comparable or superior in description, design or quality; or

10.7.4.2 Refund to you the amounts deposited with us for the goods, with interest in accordance with the Prescribed Rate of Interest Act 55 of 1975.

10.7.5 It is your responsibility to provide us with the correct delivery address before delivery of the goods.

10.8 TRANSFER OF RIGHTS.

10.8.1 Unless our prior written consent has been obtained, you will not be entitled to cede, delegate, assign or transfer all or any part of your rights or obligations under this Agreement.

10.8.2 You allow us and agree that we may cede any part or all of our rights under this Agreement or transfer any part or all of our rights or obligations (whether by delegation or assignment) under this Agreement to any third party. You further agree that it shall not be necessary for us to provide prior notification to you in the event of any such cession or transfer.

10.9 CONTACT DETAILS.

The following contact details are hereby disclosed:

Customer Care: 0800 110 775

National Consumer Commission: 012 761 3000

Consumer Goods and Services Ombud: 0860 000 272

10.10 ADDRESS FOR NOTICES AND LEGAL PROCESSES.

10.10.1 You agree to accept any notice and legal processes under this Agreement at the address recorded in the Schedule. (This address is known in law as your domicilium citandi et executandi or domicile address).

10.10.2 We choose as our domicile address where you must deliver all notices and legal processes, the following address: Marlboro House 6 Eastern Service Road Eastgate, Sandton 2090

10.10.3 If you want to change the address at which you agree to accept notices and legal processes, then you must send us a notice in writing by registered post. The notice must:-

10.10.3.1 Inform us that you are changing your address; and

10.10.3.2 Set out the new address at which you agree to accept notices.

10.10.4 Any new address must be a physical address in the Republic of South Africa.

10.10.5 If we send a notice to you:-

10.10.5.1 By prepaid registered post to your address, we will treat it as if you have received it 7 (seven) days after posting; and

10.10.5.2 By hand, we will treat it as if you have received it on the date of delivery.

10.10.6 When we treat a notice as if you have received it by a certain date, it means that we do not have to prove that you did receive it then. If you claim that you did not receive the notice by that date, then you will have to prove it.

10.11 GOVERNING LAW AND JURISDICTION.

10.11.1 This Agreement is in all respects governed by the laws of the Republic of South Africa.

10.11.2 You agree that the supplier may bring legal proceedings against you relating to this Agreement in any Magistrate's Court that has jurisdiction, even if the amount of the claim may exceed the jurisdiction of that court. This does not prevent the supplier from bringing legal proceedings in a High Court that has jurisdiction.

10.12 General

10.12.1 We do not lose any of our rights under this Agreement if we do not insist immediately and in every instance on these rights. You may not use it as defense if we had a right which we did not enforce at the relevant time.

10.12.2 If any term or condition of this Agreement becomes unenforceable for any reason whatsoever, that term or condition is severable from and shall not affect the validity of any other term or condition in this Agreement.

11.1 These Terms of the Online Exclusive Offers (Promotion) together with the Russells Standard Terms and Conditions www.russells.co.za set out the terms and conditions that will apply when you place an order through the Russells operated website only and you purchase goods advertised as part of this promotion. Please note that the terms and conditions that apply to this promotion differ on certain parts from the terms and conditions that apply to ordering other products. Such differences will be explained later in these Terms. If you are unable to understand, or have any questions about these Terms please contact Russells on 0800 110 775 Please note that these Terms are subject to change so review and save or print a copy of the current terms and conditions prior to each order that you submit.

11.2 The Promotion is the sale of certain online only products as advertised on the specific product, for the advertised specific day, whereby the advertised goods will be sold at a discounted price for that specific day, and available for purchase online only.

11.3 The Promotion starts at Russells online only on the advertised and advertised day at 08:00am and ends on the advertised and mentioned day at 00:00pm. No purchases will be accepted after midnight on the advertised and mentioned day.

11.4 You will need to be logged into Russells website in order to use the promotion

11.2 Order and acceptance

11.2.1 Each order submitted, which includes the receipt of the full purchase price, constitutes an offer to purchase products. Orders are subject to Russells acceptance and may be refused at Russells discretion, for example in cases where:

11.2.1.1 Orders cannot be processed due to an error in information you have provided;

11.2.1.2 There is an error on the website relating to the products that you have ordered, for example an error relating to the price or description of the product as displayed on the website; or

11.2.2 The products that you have ordered are no longer available through the website.

11.2.3. After Russells receives your order, you will receive an email confirming receipt of your order. If you do not receive an email, contact Russells before you try to place another order for the same product.

11.2.4 You will receive an email when your order is being dispatched confirming that your order has been accepted and is on its way to you.

11.2.5 If you have any questions, comments or concerns regarding Russells order acceptance policy (agreement of sale), or if you consider that your order was rejected in error, please contact Russells on 0800 110 775.

11.3 PRODUCT AVAILABILITY

11.3.1 Russells has the Right to change information about products displayed on the website. For example, information about prices, description or the availability of products and may do so without first giving you notice of the changes.

11.3.2 Russells will not, however, change the price, availability or description of any product after we have accepted an order and cannot guarantee the performance of any third party and shall not be held liable for any act or default by a third party.

11.3.2 Due to the stock quantity, each customer may not purchase more than 1 product using this Promotion.

11.4 CUSTOMER STARTED ORDER CANCELLATIONS AND CHANGES

11.4.1 You can change or cancel your order before we have processed your order. To change your processed order, please contact Russells. If we have already dispatched your order, you can request a refund of the product, please see our Return Policy. WHERE?

11.5 Delivery

11.5.1 Any delivery dates provided to you in connection with your order are estimates. Although the aim is to provide you with as accurate estimates as possible, Russells cannot promise that they are accurate.

11.5.2 Product that is delivered to you will become your property at the time that you receive it provided that Russells has received full payment for the product. As soon as Russells has delivered the product to you, you will become responsible for it and for any loss or damage to it thereafter.

11.5.3 Please see the delivery policy for further details.

11.6 General

11.6.1 Participants of this promotion agree that Russells will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the promotion, or from participation in this promotion.

11.6.2 If any provision or part of these rules is deemed void or otherwise unenforceable in law, then that provision or part shall be deemed excluded and the remainder of these rules shall remain in force.

11.6.3 Any violation of these rules will result in the immediate disqualification of the transgressing participant from the promotion.

12.1 Russells requires you to produce a valid TV license and ID document when purchasing a TV. First-time buyers may purchase a TV license in-store. In terms of the Broadcasting Act and Television License Regulations, license holders are required to note and/or comply with: Statutory obligations of a television license:

12.1.1 A television license is valid only at the permanent address reflected on the license.

12.1.2 A person purchasing a television set must have a valid (paid-up) TV license. You may not purchase a television set using someone else’s TV license.

12.1.3 When taking out a domestic/household television license for the first time, a person is required to provide his/her personal particulars: surname, initials, ID number (a copy thereof, fixed address and contact details.

12.1.4 When renewing a television license, a person is required to present an existing license, a copy thereof, or a renewal notice.

12.1.5 A license holder must notify the SABC, in writing, of a change of address within 30 days

12.1.6 A television license is not transferable from one license holder to another except between spouses or between unmarried “life partners” in a permanent relationship, on the death of a husband/wife or partner.

12.1.7 A single domestic television license is required per household regardless of the number of TV sets, provided that all sets used are at the license holder’s residential premises.

12.1.8 Russells requires a separate domestic television license at the full annual tariff for an additional TV at a new residential property (e.g., a holiday home) since it involves a different physical address.

12.1.9 “Family members of a television license holder”–defined as all persons who are permanent residents with the license holder, and; depend on him/her, and are owed a legal duty of support by the license holder–are covered by a single TV license in his/her name. A person has to meet all three conditions to be covered by a household’s TV license. Such domestic license covers a license holder and his/her immediate, dependent family members–with a married couple, a husband/wife and his/her dependent, minor children. Adult (non-dependent) children or more distant relatives–such as adult children, parents/ grandparents, brothers/sisters, uncles/aunts–or boarders or lodgers sharing a family’s home, are not defined as family members. They are separately liable for television sets in their possession and/or used by them.

All materials published on the Russells website are protected by copyright and owned or controlled by Russells or the party accredited as the producer of the content, software or other material. We shall construe nothing in these terms and conditions of use as conferring by implication or otherwise, any license or right under this copyright, trademark, database right or other intellectual property or proprietary interest of Russells or any third party. All logos, names and trademarks, which appear on the website are the intellectual property of Russells or are used by Russells under license. Russells will prosecute any violation of intellectual property rights to the fullest extent that the law permits. We prohibit reproduction of part or all of the contents in any form other than strictly for individual use.

If you respond to Russells via e-mail, surveys, forums, registration, or any other communication medium with any information, including but not limited to feedback, data, questions, comments or suggestions, but excluding your personal data, the information will not be deemed confidential. Russells will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. Russells will also be able to use any ideas, concepts, know-how or techniques in the information for any purpose, including but not limited to developing, manufacturing and marketing products, which incorporate or otherwise rely on the information. You consent to the aforesaid use of such information. By submitting information, you agree that Russells may publish the information, use it as part of its operations, and incorporate its concepts in Russells goods or for any other purposes, which Russells considers necessary, without liability.

Russells will deal with your personal information in terms of the privacy policy: http://www.russells.co.za/privacy/

14.1.1 When you visit the Website of Russells, you consent to receiving communications from Russells electronically and agree that all agreements, notices, disclosures and other communications sent by Russells satisfy any legal requirements, including but not limited to the requirement that such communications should be “in writing”.

14.1.2 You must ensure that the goods are fit for the purpose for which you want to buy them and are in good condition and free of any form of defects before you take delivery of the goods. It is a responsibility of the customer to ensure before delivery, that the goods listed on the till slip or your purchase order correspond in description, price and quantity with the goods purchased. You agree to adhere to the user/manufacturer’s instructions and ensure that you make yourself aware of all product warnings and safety instructions prior to the installation or use of all products purchased from Russells. You are to keep proof of any repairs conducted and authorized by Russells and proof of purchase on all returned goods.

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

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

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

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

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

Russells is to be exempted from any liability due to a customer failing to provide accurate registration information, or a customer failing to view special warnings, etc. Subject to applicable law, you agree to indemnify, defend, and hold Russells harmless against any claim or liability (including attorneys’ fees) arising out of your use of the website.

Russells may immediately terminate use of and access to the website if you breach the terms. This will be without prejudice to any other remedies and rights that we may have in terms of the law, including but not limited to claims for specific performance and damages. Save for certain exceptions (Software, Games, Music, and DVD) and subject to certain charges.

This Agreement is in all respects governed by the laws of the Republic of South Africa. You agree that we may bring legal proceedings against you relating to this Agreement in any Magistrate's Court that has jurisdiction, even if the amount of the claim may exceed the jurisdiction of that court. This does not prevent us from bringing legal proceedings in a High Court that has jurisdiction.

We choose as our domicile address where you must deliver all notices and legal processes, the following address: Marlboro House, 6 Eastern Service Road, Eastgate, Sandton, 2090

1. This is a promotional offer (the “Offer”) as defined in the Consumer Protection Act no. 68 of 2008 (CPA), as amended from time to time. These Terms and Conditions will govern the redemption on your Voucher from any Checkers (the “Company”) or any Company to whom the Company has ceded the rights and obligations.

2. This Voucher (the “Offer”) is promoted by JD Group a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) and with Russells, being a brand of the JD Group (the “Promoter”).

3. By purchasing, redeeming or attempting to redeem a voucher, you accept and agree to be bound by these Voucher Terms & Conditions and acknowledge you have read and understood these Voucher Terms & Conditions.

4. This Voucher can only be redeemed at a Checkers in-store.

5. Vouchers are issued at the discretion of Russells.

6. Vouchers are non-refundable and cannot be exchanged for cash.

7. Vouchers may not be used in conjunction with any other reward, voucher or discount.

8. Vouchers are issued with specific terms and conditions that regulate how and when they can be used. For example, a voucher may only be redeemed for the purchasing of an item within approved chain stores during a specific validity period.

9. The use of a voucher may also be limited by the total discount value available to all users for the promotion of a specific voucher.

10. All vouchers are valid for a maximum period of a year from issuing unless otherwise stipulated.

11. Only one voucher can be used per purchase.

12. The onus is on the customer to check the full voucher T&Cs issued with the voucher and to ensure they understand the voucher’s applications and limitations.

13. Any fraudulent or abusive behaviour, not limited to the creation of multiple Russells [ accounts, in order to benefit unduly from a voucher, is abuse of the benefit and Russells reserves the right to deactivate a customer’s account; to cancel and not to honour any related purchases.

14. Purchase authorisation will be declined if these terms and conditions are breached.

15. A voucher can be applied to any item, and the discount value of the voucher will be deducted from the total purchase price value of item/s. If the total value of your purchase exceeds the value of the voucher used, the balance is required to be paid by you. Any outstanding difference between the voucher and the amount of the purchase price must be paid before the expiry date of the quotation provided.

16. If the full value of your voucher is not utilised on your first purchase, the balance will be remaining on your voucher and this can be used for future purchases provided the voucher is still within the validity period. Using part of the voucher will not change the original voucher validity period.

17. Any balance that remains on the voucher after the voucher validity period has ended will no longer be available for use.

18. Vouchers are no longer redeemable after the voucher validity period has ended and as such will no longer be available for use.

19. Additional values cannot be added to existing vouchers.

20. In the event a purchase is cancelled by the customer after voucher redemption, the discounted voucher amount will not be reallocated or refunded and the voucher will be forfeit in its entirety.

21. Russells reserves the right to amend these Voucher Terms & Conditions at any time.

22. Changes to the Voucher Terms & Conditions will be available on the Russells website. In this regard the onus is on the customer to visit the russells.co.za website regularly to check whether the Voucher Terms & Conditions have changed.

1.1 The consumer hereby agrees to borrow from the credit provider the loan amount set out in the schedule to this agreement and to pay to the credit provider the amounts set out in the schedule to this agreement, subject to the terms and conditions set out herein.

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

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

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

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

1.5.1 the credit provider will have the right to pay the suppliers the amount appearing on the voucher and debit the consumer’s account facility with such amount;

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

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

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

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

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

1.6.3 pay a portion of the loan amount to the consumer into the account mentioned in paragraph

1.6.1 and the remainder of the loan amount to a third party nominated by the consumer in the schedule to the agreement.

1.6.4 A reference to legislation is a reference to legislation as at the date of enactment of the legislation or as it is amended or re- enacted from time to time, and includes all regulations issued under that legislation.

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

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

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

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

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

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

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

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

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

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

5.3 Subject to the provisions of the NCA and the Regulations thereto, the interest rate shall be calculated at a variable rate which is linked to the SA Reserve Bank Repurchase Rate (“Repo Rate”).

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

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

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

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

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

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

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

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

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

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

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

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

6.8 The consumer shall notify the credit provider immediately of any potential claim in terms of the abovementioned insurance policy or policies and shall fully comply with all the terms of such insurance policies.

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

7.2 Any instalment due in terms of this agreement, is due and payable on or before the last day of each calendar month unless prior alternative written arrangement is made with the credit provider.

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

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

7.5 All instalments shall be paid by way of a standard or an early debit order (the choice of which will be at the credit provider’s election), and the consumer authorizes the credit provider to instruct the consumer’s bank to deduct a variable amount directly from the consumer’s bank account and to pay the amount due to the credit provider. The variable amount is the monthly instalment, as well as any other amounts that may be due, from time to time, by the consumer in terms of this agreement.

7.6 The debit order authorization and mandate in terms of this agreement may be ceded or assigned to a third party if the credit provider cedes or assigns the consumer’s indebtedness to it in terms of this agreement to that party.

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

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

7.8.1. firstly to satisfy any due or unpaid interest;

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

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

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

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

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

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

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

9.5 The fact that a consumer did not receive a statement in a particular month does not release the consumer’s liability to pay any amount due under this agreement.

9.6 Should the consumer not receive a statement, the consumer is to bring this to the credit provider’s attention and may obtain a balance telephonically.

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

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

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

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

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

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

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

11.2 Subject to the provision of the Debt Collectors Act and the Regulations thereto, any debt collector collecting the debt due to the credit provider shall be entitled to make contact with and demand payment from the consumer by way of personal or telephonic consultations, send or deliver letters of demand to the consumer, or to take any other lawful step to collect the amount due.

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

12.1 In the event of the following facts occurring-

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

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

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

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

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

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

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

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

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

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

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

13.2.2 in terms of:

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

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

iii. the Attorneys Act, 1979; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

20.1.3 to disclose the above information as required in law;

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

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

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

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

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

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

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

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

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

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

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

24.6 In the event of the consumer being married in community of property, he/she warrants that his/her spouse has consented to the conclusion of this agreement in writing and that his/her signature has been attested to by two witnesses.

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

Please note that by submitting a review on our website you will be deemed to have accepted these terms and conditions.

You agree that you will not submit any content:

● That is false, inaccurate, misleading, defamatory, libelous, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, abusive, fraudulent, or otherwise objectionable;

● That infringes any third party’s copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy;

● For which you were compensated or granted any consideration by any third party;

● That violates any local, national, or international law;

● That references other companies or websites;

● That contains any computer viruses, worms, or other potentially damaging computer programs or files;

● That includes unsolicited promotions, mass mailings or spamming, political campaigning, advertising, or solicitations;

● That includes the personal information of any third party

All content is moderated to ensure it is appropriate for publication on our website. This means that after you submit your review it will not immediately appear on our website. We reserve the right to accept or reject any product review submitted to us and we may edit the length, spelling, and/or grammar issues of any review, but will not change the original meaning.

Although we will do our best to moderate all reviews posted, we assume no liability for any reviews posted, stored, or uploaded by you or any third party. We will not be held liable for any loss incurred by you as a result of a review published on our website.

Please take note of the following guidelines when submitting a review:

● Reviews must be about the product. We reserve the right to not publish your review if it contains personal information and/or special personal information as defined in the Protection of Personal Information Act 4 OF 2013 (hereafter the “POPI Act”), details about customer service, or links to other companies.

● Reviews must be submitted in English.

If your review refers to a potential manufacturing fault that could be specific to the item you received upon purchase, and not the product in general, our Customer Support team will be in touch to resolve it with you directly as soon as possible. We err on the side of publishing reviews detailing one-off product faults, except if we believe they might confuse future customers, in which case we will reach out to you to communicate this.

We ask you to log in to your Russells account to submit your review. This is to help us verify your review and because we might need to contact you to discuss your experience with the product.

If you have a problem with a review you have submitted, please contact us by emailing [email protected] or by calling 0800 110 775.

By submitting a product review on the Russells website, you grant Russells, a brand of JD Group which is a subsidiary of Pepkor Trading Pty (Ltd) the right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout our marketing channels in any media.

1Voucher can be used to top up selected partner product wallets. The Frequently Asked Questions on the website details how third-party wallets can be topped up using 1Voucher. The total value of the 1Voucher will be credited during the top-up process on the partner’s platform.

1Voucher is a bearer document and is akin to money and if it is lost or if the voucher is damaged the voucher is gone and cannot be replaced. 1Voucher cannot be exchanged for cash or refunded in cash. Once a voucher has been purchased it can only be redeemed at selected 1Voucher partners and is valid for three years. Partners accepting 1Voucher as a method to top up their wallets and participating retailers who sell 1Voucher may change from time to time

1.1 These terms and conditions govern your relationship with us. By downloading and using our App you agree to and accept our terms and conditions. If you do not agree and accept, please do not use our App or uninstall it from your Device.

1.2 Please take special note of the paragraphs printed in bold as they may limit our responsibility or involve some risk for you.

2.1 In these terms and conditions, the words on the left have the meanings set out on the right unless the context clearly shows that the parties intended a different meaning:

2.1.1 Access Codes means any of your secret numbers used to access our App, including your password, username, biometrics and secret word;

2.1.2 App means the 1ForYou mobile application for your Device;

2.1.3 App Store means your Devices application store provided by Google, Huawei or Apple, as is applicable to you, from which you download the App;

2.1.4 Account means your account which is set up in the 1ForYou account management system (using a unique account identifier);

2.1.5 Device means the device you use to access the App;

2.1.6 1ForYou/us/we/our means Flash Mobile Vending (Pty) Ltd, a private company with registered address at 36 Stellenberg Road, Parow Industria;

2.1.7 Personal Information means information about an identifiable, natural or juristic person, including but not limited to, information about race, gender, marital status, nationality, ethnic or social origin, sexual orientation, age, physical or mental health, religion, belief, disability, language, birth, education, identity number, telephone number, email, postal or street address, location through your Device`s GPS;

2.1.8 Prepayment means an advance payment of an amount which is reflected against your Account. A prepayment can either be made via cash, EFT or by using the 16-digit pin code printed on a receipt or another mechanism as advised by 1Voucher from time to time whether electronic or otherwise. You must use the PIN to 1ForYou App within a period of 3 years after the date of issue of the voucher in order to load your account with the relevant amount and if you fail to load within the 3-year period, the voucher will expire;

2.1.9 Profile means the digital identity you create when registering for the App and which will be linked to your Account;

2.1.10 Transactions mean the different transactions or activities that can be performed by you via the App, including but not limited to the purchase of products, a savings capability, bill payments, transfer or Prepayment. Transact has a similar meaning;

2.1.11 User Guide means the digital manual which explains how to operate the App and Transact, as updated from time to time; and

2.1.12 you means the person who registered for the App.

3.1 You must register for the App by giving permissions to your Personal Information and by following the prompt after you have downloaded the App on Your Device from the App Store.

3.2 When you register you must create a Profile for secure use of the App.

3.3 In completing the above registration process and accepting the terms and conditions as set out here, you authorize us to verify any information you provide to us. During the verification process, should it be needed, we reserve the right to request additional documentation from time to time.

3.4 Your Account may only be used for the purpose for which it was intended.

4.1 You should only use the latest version of the App. Failure to update may result in functions not working correctly and you may experience data errors or security issues for which we will not be liable under any circumstances whatsoever.

4.2 You must use software and hardware suitable for the App. If you do not, the App may not work properly and this could increase your security risk for which we will not be liable under any circumstances whatsoever.

5.1 There are no subscription costs to access the App.

5.2 Standard data costs will be charged when you download the App and thereafter when you transact through the App. These costs may be charged by your mobile network operator (unless you are making use of a network that does not attract costs).

6.1 You must make a Prepayment to us before you will be able to perform Transactions. In some instances, you will receive a PIN when you make a Prepayment.

6.2 The different types of Transactions that can be performed are subject to change from time to time.

6.3 The Prepayment or any balance thereof can in no instance be redeemed for cash or by way of a deposit into a bank account and can only be used to perform Transactions, unless otherwise required or permitted.

6.4 You must ensure that you have enough Prepayment to cover the amount of the Transaction, where applicable.

6.5 Your Prepayment will immediately be reduced with the amount of each Transaction, where applicable.

6.6 You authorise us to carry out any and all Transactions which are authenticated by your Access Code(s).

6.7 You must make sure that you log out of the App when you have finished using it, to prevent anyone else from using it.

6.8 In our own discretion we may allow you to perform a Transaction without sufficient Prepayment from time to time without prejudice to our right in any subsequent Transaction to deny such Transaction where sufficient Prepayment does not exist.

6.9 All Transactions are in real time. It is therefore important that you check the Transaction details and details of the bill issuer (where applicable) before submitting the Transaction. No reversal of a voucher or instruction is permitted once a voucher is requested by you or an instruction is given to us.

7.1 You understand that the use of the App with the Access Codes allows access to your Prepayment.

7.2 You must make sure that you keep the Device and Access Codes secret and secure and do not compromise any safety measures.

7.3 If another person gets hold of your Access Codes by whatever means, we will regard you as having authorised this person to access your Prepayment on your behalf, as your agent with full authority to do so.

7.4 You must notify us immediately if you have reason to think that someone else obtained your Access Codes. Any losses or costs incurred prior to notification will be for your account.

7.5 We are committed to providing safe online services. All uses of the App and Transactions through it are protected by encryption at international standards. The Personal Information you send through the App is encrypted. Only our authorised employees or agents have access to information related to the App.

We are entitled to change these terms and conditions. We will give you notice of any material change. Your continued use of the App means that you have accepted such changes.

9.1 Subject to any intellectual property rights held by any other third parties:

9.1.1 We keep all intellectual property and intellectual rights in and to all content (including, but not limited to, all proprietary information, trademarks and copyright in any logos and other devices or storage media) in or sent to, through and from the App; and

9.1.2 We grant you a non-assignable, non-sub-licensable, non-transferable, non-exclusive license to use the App, which may include updates and/or upgrades, only for purposes outlined in these terms and for no other purposes. You may not sub-licence such third-party content, including intellectual property rights associated with it.

9.2 You acknowledge that you:

9.2.1 will in no way represent that you have any rights of any nature in any current and future intellectual property belonging to us, and/or any third parties featured on the App;

9.2.2 will not use the current and future intellectual property that belongs to us and/or any third party that is featured on the App in any manner whatsoever or any other intellectual property which is identical, similar and/or confusingly similar thereto in any country;

9.2.3 will not apply for or obtain registration of any current and future intellectual property that belongs to us and/or any third party that is featured on the App, or any other intellectual property which may be confusingly similar thereto in any country;

9.2.4 will not challenge the rights to the current and future intellectual property that belongs to us, and/or any third party that is featured on the App in any country;

9.2.5 will not do, or omit to do, or cause to be done any act or thing which would be expected to weaken, damage, be detrimental to or in any way impair or tend to impair the current and future intellectual property that belongs to us and/or any third party that is featured on the App or the reputation and goodwill associated therewith or the foregoing parties, or which would be expected to jeopardise or invalidate any registration of current and future intellectual property belonging to the foregoing parties; and 9.3 You indemnify us against all actions, claims, costs, demands, expenses and other liabilities suffered or incurred by us as are result of any third party claims initiated and/or instituted against us relating to your unauthorised use of the App, the content thereon and/or any other intellectual property and intellectual property rights flowing from the foregoing.

10.1 These terms are entered into between you and us. Since the App is made available through the App Store, the App Store is a third party under these terms and will also have the right to enforce these terms against you;

10.2 To the maximum extent allowed by law, the App Store does not give or enter into any warranty, condition or other term in relation to the App and will not be liable to you for any claims, losses, costs or expenses of whatever nature in relation to the App or as a result of you or anyone else using the App or relying on any of its content;

10.3 Any claims relating to the licence of the App, possession or use of the App are between you and us (and not between you, or anyone else, and the App Store), including but not limited to, product liability claims, any claim that the App fails to conform to any applicable legal or regulatory requirement and claims under consumer protection legislation; and

10.4 If any claim by a third party that your possession or use (in line with these terms) of the App infringes any intellectual property rights, the App Store will not be liable to you in relation to that claim.

11.1 By registering, you consent:

11.1.1 to us collecting, using and storing your Personal Information, including cell-phone number, name, identity number and transactional information (Personal Information) provided during the registration process or thereafter and your transactional information to comply with legal and regulatory obligations, including requirements in terms of the Financial Intelligence Centre Act, 2002;

11.1.2 That educational and/or informative messages will be sent to you;

11.1.3 To receive notifications if your Account is dormant and if it will be closed. The consent provided in terms of clause.

11.2 above is voluntary, but if you do not provide such consent to us, we will not be able to open your Account.

11.3 Where you have given your consent, you also agree to:

11.3.1 the processing of your Personal Information by us and other companies in our group, any of its operators, commercial partners, agents and sub-contractors (who may be outside South Africa and in countries that do not have similar data protection laws to South Africa) on the condition that they will keep such information confidential and will only use your Personal Information for the purposes of providing information about products and services to you;

11.3.2 The collection of your Personal Information from any other source to supplement the Personal Information which we have about you;

11.3.3 the retention by us of your Personal Information for as long as permitted for legal, regulatory, fraud prevention and marketing purposes;

11.3.4 us using your Personal Information to send you information about products, services, and special offers of the various companies in our group and commercial partners that may be of interest or value to you;

11.3.5 us conducting a credit enquiry about you with any credit bureau or credit provider and providing your Personal Information, including the manner in which you conduct your account, to: credit risk management services (including credit bureaux); and/or crime prevention agencies.

11.4 Subject to applicable law, you may access the Personal Information 1ForYou has about you by contacting our call centre and requesting that applicable corrections be made

11.5 If you are unhappy about the way we process your personal information, you should contact our call centre. Alternatively, you may lodge a complaint to the Information Regulator.

11.6 The responsible party is Flash Mobile Vending (Pty) Ltd with address at 36 Stellenberg Road, Parow Industria.

11.7 If you choose to be excluded from direct marketing campaigns in the future from us, you must advise us by contacting the call centre you can advise us in writing or register a block on any registry which we are bound by law to recognise. We will not charge you a fee to update this request on our systems and we will give effect to changes as soon as reasonably possible.

12.1 All information identified by 1ForYou as confidential or which, you should reasonably identify as confidential, including business, commercial (discounts etc.), end-user, scientific or technical information, as well as any price list whether current or not, received by or made available to you pursuant to your relationship with 1ForYou, shall be regarded by you as confidential and shall be treated accordingly and not be disclosed to third parties, or used for any purpose other than that for which it was disclosed, without the prior written consent of 1ForYou.

12.2 In particular, you shall not, directly or indirectly communicate any information regarding or relating to an end-user to any third party other than in the compliance with the obligations of these terms and conditions or as may be required in law, from time to time.

12.3 The provisions of this clause 12 shall survive any termination of our relationship with you.

13.1 We are entitled to cancel, terminate or suspend your use of the 1ForYou System in respect of all Transactions or selected types of Transactions immediately, or any combination of these actions, as may be permissible in law, without prejudice to any of our other rights (that is, without barring or limiting any future action), if

13.1.1 We have reason to believe that the App has been or is likely to be misused;

13.1.2 Suspect any illegal use of the App;

13.1.3 You gave false or inaccurate information;

13.1.4 You fail and/or refuse to follow our User Guide or other instructions;

13.1.5 You are in breach of these terms and conditions or the provisions of any other agreement between us;

13.1.6 Law forces us; or

13.1.7 If we need to protect our interest.

13.2 We reserve the right to terminate or suspend your access to the App upon notice, without any liability to you or any third party.

13.3 You may also terminate your relationship with us with immediate effect upon notice to us via email us on [email protected]

13.4 Upon termination you will not be entitled to redeem your Prepayment or any balance thereof in cash or EFT, but will be allowed to Transact until the Prepayment is depleted.

14.1 We will make every effort to ensure that the App is continually available to you.

14.2 The functioning of the App is, however, dependent on factors beyond our control, including but not limited to, the availability and performance of the relevant mobile telephone network, any third party integration system which provides a service on the App, the performance and compatibility of your Device with the App.

14.3 If the App is not available due to a factor beyond our control, or where the App is available, however, but some transactions are offline due to third parties being offline, we will not be held liable for this.

14.4 You use the App at your own risk. The App is not error-free and is being provided on an “AS IS” basis without warranty of any kind.

14.5 We will not in any circumstances be liable for any consequential or indirect losses however these may arise or for any other unusual losses. In particular, 1ForYou shall not be liable for any financial loss, loss of business, profit, savings, revenue, or goodwill suffered or sustained by you howsoever arising.

14.6 We will not be liable for any claims, loss or damage resulting from claims that products or services are defective where we act as agent for the supplier thereof.

14.7 You indemnify 1ForYou against any loss suffered by it, whether direct or consequential or claims instituted against 1ForYou by virtue of your use of the App.

If there are no Transactions on your Account for a period of 85 (eighty-five) consecutive days, 1ForYou will classify your Account as dormant and you will have to call the 1ForYou call centre to reactivate your Account again. If there are no Transactions on your Account for a period of 3 years, your prepaid credit will expire.

16.1 You are not, without the consent of 1ForYou, entitled to cede, delegate or sub-license all or any of its rights and/or obligations in terms of your contractual relationship with 1ForYou to any third party. 1ForYou shall not be bound by such a provision and you hereby expressly consent to any such cession and/or delegation of rights and/or obligations by 1ForYou.

16.2 No indulgence, leniency or extension of time which 1ForYou may grant or show to you shall in any way prejudice 1ForYou or preclude 1ForYou from exercising any of its rights in the future.

16.3 You may not change any of these terms and conditions or any terms or User Guides provided to you from time to time with regards to the App.

16.5 1ForYou shall not be bound by any representation, express or implied term, warranty, promise or the like not recorded herein or in the User Guide.

1Vouchers purchased on the website are non-refundable.

1Vouchers purchased on the website are non-refundable. For any queries relating to online voucher purchases please contact [email protected]

This makes sure that your bank notifies you to verify a transaction, by sending you a One Time Pin (OTP) when you enter your card details and confirm payment for an order or service. This 3D secure process is how your bank (issuing bank, e.g. ABSA, FNB, Nedbank, Standard Bank etc.) lets the website know that you are the owner of the card or account.

The customer’s bank is responsible for enrolling the card for 3D Secure, so that the customer can receive an OTP when they enter their card details and would like to authenticate the transaction.

The customer’s bank (Issuing bank) sends a password prompt to the customer via sms, email, banking app or USSD. The customer is then to enter this password on the website to complete the payment.

As a customer, should you not receive an OTP, you would need to

1. Check that the means of receiving this OTP from your bank is functional (Phone network is active, active internet connection, email working, etc.)

2. Call your bank online banking department to ensure that their 3D Secure process is functioning or checking your banking app if you are setup for online payments and you have set your daily/monthly limits

Peach Payments processes transactions according to agreements with our acquiring partners, card schemes, PCI compliance, Payment Association Of South Africa and other 3rd parties in the processing chain (More detail on this provided in contract with our merchants) Please contact your merchant (website or app) for more information on how they implement peach payments services and products on their web or mobile platform.

No sensitive cardholder data is stored on merchant’s servers at any time for either once-off or subscription payments. When a user opts to store card details on a website using Peach Payments, these details are stored by Peach Payments in a PCI DSS level 1 compliant vault. Sensitive cardholder details are directly transmitted from users browsers to Peach Payments systems. Merchant’s staff and systems do not have access to complete card number details at any point in time, on Peach Payments platforms.

You may view our PAIA manual on:

Pepkor PAIA Manual

Data Subject Access Request Process:

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

Contact details of the liaison person:

1. It is the responsibility and duty of both the customer and the retailer to ensure that the plan and the corresponding finishes are exactly what the customer has ordered.

2. Granite, glass, appliances, sinks and accessories are not included in the quote that is printed and must be add in manually by the Retailer and paid for separately (unless otherwise stipulated).

3. The quoted price does include installation.

4. Home Concept and their Dealers will use their best endeavour to ensure the quoted delivery lead time is achieved. These may however be affected by unforeseen circumstances such as strikes or natural disasters.

5. Delivery will be done in 14 working days from the day the design is approved by the retailer/customer, signed and the official order is received.

6. It is both the customers and retailers responsibility to ensure that the customer has removed all the existing cupboards, and or done any alterations.

7. The delivery and installation will be signed off by the Fitter and the customer / or their representative, who will be required to sign acknowledgement that the goods have been installed according to signed plan and are in good order.

8. Any shortages/faults found must be entered on to the delivery / COC note, these will be addressed by the Dealer, as soon as possible. Should the customer opt not to do this then the delivery will be deemed to have been completed in good order and the Dealer will be entitled to ask the retailer to check the quality and accuracy of the installation versus the order placed.

9. Home Concept Dealers do not provide plumbing services, nor are they allowed to do any electrical jobs.

Home Concept Dealers and their fitters cannot be held responsible for cupboards that are unable to fit flush due to inconsistencies in the floor (uneven floors) or walls (off square), poor quality building will negatively affect the finish of the kitchen or bedroom cupboard fitted.

10. Any additional costs resulting from changes to the design after the order has been placed will be for either the customer or retailers account.

11. Once the order has been placed and manufacturing has commenced, there can be no cancellation or refund as these products constitute Special Order Goods as defined by the Consumer Protection Act.

12. Unless stipulated all units heights are a standard height of 2180mm, ceiling heights thereafter are shown as H1 at 2330mm or H2 at 2480mm.

13. This agreement constitutes the entire agreement between the parties and no addition to, variation of, waiver of its items, or consensual cancellation hereof, shall be of any force or effect unless reduced to writing and signed by both parties.

14. No indulgence or extension of time granted by any party shall:

- operate as, or be deemed to be, a waiver of his rights hereunder;

- be novation of this agreement; or

- operate so as to preclude such party thereafter from exercising their rights strictly in accordance with this agreement.

15. No party shall be bound by any express or implied term, representation, warranty, promise or the like not recorded herein, whether he alleges it induced the contract or whether he was negligent or not.

16. Colour swatches and/or images used in this quote are for reference purposes only and are not a true reflection of the final colour and finish of the kitchen quoted.

17. All cupboards have Masonite backing boards EXCEPT the Walk-in Pantry, Stove units and behind the Built in fridge.

18. The warranty only covers workmanship and product failure and EXCLUDES water damage, heat damage and customer negligence.

1. This Competition is promoted by JD Group a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) and with Russells being a brand of JD Group (the “Promoter”).

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

3. These Terms and Conditions should be read together with the online Terms and Conditions displayed at Russells website www.russells.co.za .

The Competition runs from 12 September 2022 until 09 October 2022, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on 09 October 2022.

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

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

Participant must:

7.1. Purchase a Defy 210 LT Chest Freezer (the “Qualifying Item”) during the Competition Period; and

7.2. stand a chance to win a Checkers meat voucher worth R3000.00 (the “Prize”);

7.3. The meat voucher can be used to purchase any product sold at Checkers, provided the total accumulated value for all the products does not exceed R3000.00;

7.4. Therefore, the Winner will be liable for the difference if the total accumulated value for all the products exceeds R3000.00; and

7.5. Where it is below R3000.00, the Winner shall not be entitled to the difference.

It is within the Promoter’s sole discretion to disqualify any Participant who posts any inappropriate comment or uses inappropriate language on our social media platforms or webpage. In addition, social media platforms Terms and Conditions apply.

One entry per person for the Competition Period.

There is no entry fee to participate in the Competition, save for meeting criteria set out in clause 7 above.

1 x Checkers meat voucher worth R3000.00.

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

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

11.3. The draw will take place on 10 October 2022. In addition, the Winner will be notified via phone call and posted on the Russells webpage.

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

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

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

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

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

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

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

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

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

12.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Competition agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Competition.

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

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

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

12.5. A copy of these Competition Rules is available at www.russells.co.za.

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

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

3. These Terms and Conditions should be read together with the online Terms and Conditions displayed at Russells, Bradlows & Sleepmasters website www.russells.co.za, bradlows.co.za, www.sleepmasters.co.za

The Competition runs from 07 November until 15 December 2022, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on 15 December 2022.

The Competition runs from 07 November until 15 December 2022, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on 15 December 2022.

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

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

A participant must:

7.1. Have a current Lay-by account; and

7.2. settle the Lay-By account in full during the Competition Period;

Social media platforms Terms and Conditions apply.

One entry per person.

There is no entry fee to participate in the Competition, save for clause 7 above.

10 participants per brand will stand a chance to win the value of their purchase back.

11.1. A total of 10 winners per brand will be chosen randomly for this competition under the supervision of an independent accountant, registered auditor or attorney.

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

11.3. The draw will take place on 20 December 2022. In addition, the Winners will be notified via phone call and posted on Russells, Bradlows, and Sleepmasters webpage.

11.4. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on Russells, Bradlows & Sleepmasters website www.russells.co.za, bradlows.co.za , sleepmasters.co.za 4 (four) days after the original draw date.

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

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

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

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

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

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

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

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

12.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Competition agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Competition.

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

12.3. It is within the Promoter’s sole discretion to disqualify any Participant who posts any inappropriate comment or uses inappropriate language on our social media platforms or webpage. The Promoters decision is final, and no correspondence will be entered into.

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

12.5. A copy of these Competition Rules is available at Russells, Bradlows & Sleepmasters websites www.russells.co.za, bradlows.co.za , sleepmasters.co.za.

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

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

3. These Terms and Conditions should be read together with the online Terms and Conditions displayed at Russells, Bradlows & Sleepmasters website www.russells.co.za,www.bradlows.co.za , www.sleepmasters.co.za

The Competition runs from 07 November until 15 December 2022, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on 15 December 2022.

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

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

A participant must:

7.1. Have a current Lay-by account; and

7.2. settle the Lay-By account in full during the Competition Period;

Social media platforms Terms and Conditions apply.

One entry per person.

There is no entry fee to participate in the Competition, save for clause 7 above.

10 participants per brand will stand a chance to win the value of their purchase back.

11.1. A total of 10 winners per brand will be chosen randomly for this competition under the supervision of an independent accountant, registered auditor or attorney.

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

11.3. The draw will take place on 20 December 2022. In addition, the Winners will be notified via phone call and posted on Russells, Bradlows, and Sleepmasters webpage.

11.4. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on Russells, Bradlows & Sleepmasters website www.russells.co.za,www.bradlows.co.za , www.sleepmasters.co.za 4 (four) days after the original draw date.

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

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

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

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

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

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

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

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

12.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Competition agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Competition.

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

12.3. It is within the Promoter’s sole discretion to disqualify any Participant who posts any inappropriate comment or uses inappropriate language on our social media platforms or webpage. The Promoters decision is final, and no correspondence will be entered into.

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

12.5. A copy of these Competition Rules is available at Russells, Bradlows & Sleepmasters websites www.russells.co.za,www.bradlows.co.za , www.sleepmasters.co.za.

Promotion Terms and Conditions

1. These terms and conditions were last amended: [18/11/2022]

2. This Promotion is run by HISENSE South Africa (Pty) LTD (“the Promoter”)

3. Please e-mail us at [email protected] if you do not understand any part of these terms and conditions or have any questions about these terms and conditions or the Promotion. You can also inbox us on the HISENSE Facebook Page, or visit us at www.hisense.co.za

4. By entering the Promotion, all participants confirm that they have read and agree to be legally bound by these terms and conditions.

5. This Promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook.

During the period of the sponsor, HISENSE South Africa will in engage several online and offline marketing related event. As per the instruction and given entry mechanic related to each individual marketing activity or competition, HISENSE South Africa reserves the right to change the duration of the Promotion, subject to these terms and conditions, if it is deemed necessary due, for instance, to circumstances beyond their control such as acts of God, changes or new interpretations of legislation, or any other unforeseen event.

WHO MAY ENTER THE PROMOTION? (WHO QUALIFIES FOR ENTRY INTO THE DRAW?)

1. South African citizens, as well as legal foreign nationals in South Africa with a South African residential address and a valid South African authorised ID, may enter the Promotion.

2. Entrants must be 18 years or older.

3. Consumers submitting entries via social media, from a valid and authentic social media account.

4. By entering this Competition, all participants and winners acknowledge that they have the legal capacity to enter and agree to be bound by these terms and conditions, which will be interpreted by the Promoters. The Promoters’ decision regarding any dispute will be final and binding, and no correspondence will be entered.

The following persons may not take part in this Promotion.

1. HISENSE employees i.e., director(s), member(s), partner(s), employee(s), agencies(s), or consultant(s) relating to this promotion.

2. Any retailer or supplier of goods and services in connection with this Promotion.

3. The spouse, life partner, siblings, children, or parents of any of the persons named above.

1. To be confirmed at time of activity

2. PARTICIPANTS MAY ENTER THE PROMOTION BY:

To enter the Competition, you respond to stipulated means of contact.

1. HISENSE prizes cannot be transferred or converted into cash.

2. Prizes are limited to one per customer.

3. HISENSE South Africa reserves the right to request a Participant’s ID document and physical proof of identity on social media before handing over a prize to confirm the Winner’s identity.

4. Only those entrants whose purchases are verified successfully will be eligible for a prize.

a. HISENSE South Africa (Pty) Ltd will not be responsible for ensuring that entries and any additional costs relating to the usage, delivery of such purchases or upkeep of the associated purchases

b. The “Prize” is neither transferable nor redeemable for cash or other prizes. The Promoter reserves the right to substitute the Prizes with any other prize of comparable commercial value.

a. The prize winners will be contacted via direct message to the account or profile used to enter the Competition on the day of the draw.

b. The Promoters will randomly select a winner from all the entries received.

c. The Promoters will conduct a verification process.

d. If the Winner cannot be contacted after three tries on the day of the draw, the Promoter reserves the right to award the Prize to the next eligible Winner.

e. The Promoter may require the winners to complete and submit an information disclosure document to enable the Promoter to ensure compliance with the rules and the provisions of the Consumer Protection Act 68 of 2008. Should any winner refuse or be unable to comply with these rules for any reason, such Winner will be automatically disqualified. The Winner may be required to sign a waiver of liability and indemnity before claiming the Prize. The Promoters may collect, store and use (but not share) any personal information of entrants for communication or statistical purposes.

i. Winners will be required to provide:

1. Copy of a valid South African ID Document

2. Should the Winner not be able to provide these documents to the Organisers upon request, they will be disqualified.

1. The draw for the Prize will take place weekly and be announced no later than 15 days after the promotional period ends.

2. The Organisers decision is final and binding, and no further correspondence shall be entered into.

● By entering the Promotion, Participants give permission for their name and surname, as their photograph to be posted onto the HISENSE South Africa Website and Facebook page, YouTube, Instagram and Twitter account, and to be used in other public announcements of the winners, as well as in future promotional material, unless a winner expressly asks HISENSE not to do so.

● HISENSE has the right to end this Promotion at any time. If this happens, HISENSE will publish a notice on Facebook, and all Participants agree to waive (give up) any rights that they may have with regards to this Promotion and acknowledge that they will have no rights against HISENSE.

● HISENSE reserves the right to change the terms and conditions of the Promotion.

● HISENSE will publish changes to these terms and conditions on www.HISENSE.co.za/ promotions and HISENSE’s Facebook page (www.facebook.com/HISENSESouthAfrica). These terms and conditions will also be available on www.houseandhome.co.za

● It is each Participant’s responsibility to check the websites for amendments to these terms and conditions.

● Participants will not hold HISENSE liable for any technical errors from participating retailers, HISENSE platforms, the hosting website, Facebook.com or any other service provider.

● Should any Participant be found to be in contravention of any of these terms and conditions or in the opinion of HISENSEs, be engaged in conduct in entering the Promotion which is fraudulent, misleading, deceptive or generally damaging to the goodwill or reputation of HISENSE, then HISENSE reserves the right to disqualify such a Participant on written notice.

● Information collected from Participants will be used by HISENSE only and will not in any way be transferred or made available to third parties. The clauses in these terms and conditions are severable. This means that if any clause in these terms and conditions is found to be unlawful, it will be removed, and the remaining clauses will still apply.

● Wherever time has been referred to in these terms and conditions, it refers to GMT +2.

● These terms and conditions and the Promotion are governed by the law of the Republic of South Africa.

● HISENSE accepts no liability for any further and or additional costs and/or expenses in relation to delivery of the Prize, and the Winner indemnifies House & Home, its Directors, employees, shareholders and agents against any claim of whatsoever nature howsoever arising.

● The Winner will be required to sign an Indemnity and Media Release forms [keep this clause in if you will require photos of the Winner and require the Winner to travel or perform some physical activity etc.].

● Failure to claim the Prize or a refusal or inability to required documentation or comply with any of the competition requirements within 2 months will disqualify the Winner and a new Winner will be drawn in terms of these rules.

● The Promoter shall not be responsible for any lost, damaged, delayed, incorrect or incomplete entries for any reason whatsoever. Proof of sending will not be accepted as proof of receipt.

● The Promoter shall not be responsible for the failure of any technical element relating to this Promotion that may result in an entry not being successfully submitted.

● Responsibility is not accepted for entries lost, damaged or delayed as a result of any network, computer or cell phone hardware or software failure of any kind. Proof of sending will not be accepted as proof of receipt.

● The Promoter reserves the right to disqualify any claim if fraud or cheating is suspected, including without limitation, through the manipulation of code or otherwise frequently falsifying data.

● No applications from agents, third parties, organised groups or applications automatically generated by computer will be accepted. No incomplete or corrupted entries will be accepted. Entries will only be accepted if they comply with all entry instructions.

● Any attempt to use multiple e-mail, cell phone or Facebook accounts or other tactics to enter or vote more than the stated limit may result in disqualification and all associated entries and/or votes will be void. Entries or votes generated by script, macro, bot, commercial contest subscription, incentives or other means not sponsored by the Promoter, vote-swapping sites, voting software, entering service sites or any other automated means and entries or votes by any means that subvert the entry/voting process or do not conform to the terms or spirit of these competition rules, will void the entry/votes and may disqualify the entrant.

● The Prize is not exchangeable for cash and is not transferrable.

● The Promoter reserves the right to use the images taken of the Winner for publicity purposes in any manner they deem fit, without remuneration being made payable to the Winner. However, the Winner has the right to object to these images being used by written notification to the Promoter on [email protected]

● The Promoter shall have the right to change or terminate the promotional Competition immediately and without notice, if deemed necessary in its opinion and if circumstances arise outside of their control. In the event of such change or termination, all participants agree to waive any rights that they have in respect of this promotional Competition and acknowledge that they will have no recourse against the Promoter or its agents.

● In the event that the Prize is not available despite the Promoter’s reasonable endeavors to procure the Prize, the Promoter reserves the right to substitute the Prize of equal value.

● Neither the Promoter, its agents, its associated companies, nor any directors, officers, or employees of such, shall be liable for any loss or damage, whether direct, indirect, consequential, or otherwise arising from any cause whatsoever, which may be suffered by the participant or the Winner.

● Participation in the promotional Competition constitutes acceptance of the promotional competition rules and participants agree to abide by the rules.

● This Promotion is in no way sponsored, endorsed, or administered by, or associated with WhatsApp and the participants acknowledge that they are providing information to the Promoter and its agents only.

● All participants in this Competition release Hisense from all liabilities and claims arising out f or in connection with this Competition and these terms and conditions.

● This promotional Competition is in no way sponsored, endorsed, or administered by, or associated with Telkom, MTN, Vodacom and Cell C or any other cellular or telecommunications company and the participants acknowledge that they are providing information to the Promoter and its agents only and not to telephone networks.

● All participants in this competition release Telkom, MTN, Vodacom and Cell C or any other cellular or telecommunications company from all liabilities and claims arising out of or in connection with this Competition and these terms and conditions.

● The Promoter reserves the right to delete any information uploaded by a participant which the Promoter, in its absolute discretion, believes is illegal, obscene, offensive, or defamatory, or infringes the intellectual property rights of a third party, or is otherwise inappropriate for a campaign designed for mass audience entertainment.

● Participants warrant that they have full rights to the images and stories that they upload and that the use of the said material shall not constitute a breach of any third party’s copyright or other intellectual property rights.

● Participants agree that by uploading their “images” and/or stories, they grant permission to the Promoter to use the images or stories or any part thereof in all media for promotional / marketing purposes with no consideration payable to the participants.

● In the event of a dispute, the decision of the competition judges is final and binding, and no correspondence will be entered into.

● If the winner/s fail/s to comply with any of these rules or the terms of acceptance of the prizes, or if they refuse to sign the Promoter/s winner/s declaration or the Promoter/s winner/s prize acceptance form, this will be construed as a rejection of the Prize and then, without prejudice to any other remedy which the Promoter/s may have, the Winner will be automatically disqualified and will forfeit the Prize.

GAS Marketing Automation PTY LTD is running a promotion on behalf of Russells allowing consumers who purchase R4499 or more in-store to stand a chance of winning R1000 worth of grocery coupons from Shoprite Checkers. (Limited to first 20,000 winners) - promotion Terms and Conditions

A. The following Terms and Conditions contain assumptions of risk and/or liability by participants (“Participants”) in the Russells coupon promotion and limit and exclude liabilities, obligations and legal responsibilities which Russells will have towards Participants and other persons.

B. These Terms and Conditions also limit and exclude Participants rights and remedies against Russells and place various risks, liabilities, obligations and legal responsibilities on the Participants.

C. These Terms and Conditions may result in Participants being responsible for paying additional costs and amounts and Russells may also have claims and other rights against the Participant.

D. To the extent that these Terms and Conditions or any goods or services provided under the Terms and Conditions are governed by the Consumer Protection Act, 2008 (“the CPA”), no provision of these Terms and Conditions is intended to contravene the applicable provisions of the CPA. Therefore, all provisions of the Terms and Conditions must be treated as being qualified, to the extent necessary, to ensure that the applicable provisions of the CPA are complied with.

E. Each Participant must read these Terms and Conditions. Participation in the promotion constitutes an agreement to comply with these Terms and Conditions.

F. Please pay special attention to all the clauses.

Russells customers who spend R4499 or more during the promotion period and where the POD is completed and successfully generated within Russells, will qualify for R1000 worth of grocery coupons for a limited time period of 30 days. The amount of coupon bundles are limited to 20,000 prizes (or up until the 5th March 2023 when the promotion closes) and are only awarded after payment of the product is made and a successful signed POD is received. (the “Promotion”).

1.1. The promotion extends from 6th February 2023 until 5th March 2023 (the “promotion Period”).

1.2. Notwithstanding the promotion Period, Russells may, in their sole and absolute discretion, amend or withdraw the promotion with notice to entrants.

2.1. The promotion is open to natural persons who meet the following eligibility criteria:

2.1.1. Make a legitimate purchase of over R4499 at any Russells store

2.1.2. Paid for the product in full and have signed the POD from Russells; and

2.2. The following persons are not eligible to participate in the promotion:

2.2.1. employees, officers, and consultants of JD Group and

2.2.2. directors and prescribed officers of Russells & GAS Marketing Automation

3.1. An incentive to purchase at an amount of over R4499 is advertised by the Russells marketing team as their promotion construct. Once a consumer has purchased for the value of R4499 or more, they will qualify to receive a login to the coupon platform (digital) whereby the consumer will be allowed to redeem their coupons from the platform (Shoprite/Checkers)

3.2. The user may log in as many times as they desire with a 30 day period. The login is valid for 1 month and is loaded with R1000 worth of grocery savings that they can redeem on the platform.

3.3. Once the user has redeemed R1000 worth of coupons – no further coupons are allowed.

3.4. The consumer is only sent the coupon platform link once the delivery and payment are confirmed by the internal distribution team at Russells. Once this is confirmed an SMS will be sent to the winner notifying them of their login to the platform to redeem their R1000 of grocery coupons.

4.1. Russells reserves the right, at any time, to change, vary, amend or replace these Terms and Conditions and any rules relating to the promotion, its products and services and to modify its promotions, its products and services at its discretion.

4.2. Russells the right at any time to modify, suspend or discontinue the services, with notice, without liability to any third party. Russells will under no circumstance be liable to you for any error, delay, failure or non-availability of the service, and you indemnify Russells against any damage or loss you may sustain as a result of failure or non-availability of the service.

4.3. Russells reserves the right from time to time to vary the charges of these services as may be deemed necessary in its discretion.

5.1. RUSSELLS, their respective directors, affiliates, members, partners, employees, agents, consultants, suppliers, contractors, subsidiaries, and sponsors (collectively “Organisers”) assume no liability whatsoever for any direct or indirect loss or damage, including but not limited to physical harm or death, howsoever arising from or as a result of a person receiving the Prize and/or the terms and conditions of this promotion. Furthermore, you will be solely responsible for all products used by you. Accordingly RUSSELLS takes no responsibility for any loss or damage. All persons participating in the promotion hereby expressly indemnify RUSSELLS in this regard and shall hold it harmless from all and any claims arising from or as a result of the above reasons.

5.2. Any violation or attempt to violate any of the above rules will result in the immediate disqualification of the transgressor. RUSSELLS shall be entitled (but not obliged) to terminate the promotion if any Participant is involved in any fraudulent activity or suspected fraudulent activity.

5.3. RUSSELLS reverses the right to disqualify a transgressor of these Terms and Conditions from entry into any other RUSSELLS promotion, for a period deemed appropriate by RUSSELLS at is discretion.

5.4. Decisions made by or on behalf the Organizers in relation to any matter pertaining to the promotion are final and no correspondence will be entered into.

5.5. Prizes are not transferable, cannot be deferred and are not negotiable.

5.6. Winners use Prizes at their own risk.

5.7. RUSSELLS reserves the right to cancel the promotion at any time, if deemed necessary in their opinion, and if circumstances arise outside of their control and shall not be liable in anyway whatsoever to Participants in such event for any cause or action whatsoever.

5.8. Winners shall be contacted from 08:00 to 17:00 during weekdays after his or her name is selected and drawn as a winner. In the event that the winner is not contactable, or that the winner rejects, forfeits or declines acceptance of the Prize, the Prize shall not be awarded.

5.9. Winners may be required to have their details disclosed and appear on the internet or in print media. Winners shall at all times be entitled to decline the above request. Winners that take part in any publicity will not be entitled to any payment or other remuneration for such publicity or otherwise and consent to the use of their image and other relevant personal information for the purposes of publicity. All publicity and other materials will be the sole property of the Organisers.

5.10. RUSSELLS reserves the right to alter rules or Prizes at their own discretion. Such altered rules and Prizes shall become effective immediately after being altered or on such date as may be determined by RUSSELLS. No Participant shall have any recourse against RUSSELLS as a result of the alterations of the rules or Prizes.

5.11. RUSSELLS will make every reasonable effort to deliver the Prize described in the promotion publicity but cannot accept responsibility if the Prize differs in whole or part from that advertised. Similarly, Prize values quoted may differ from the actual value of the Prize.

5.12. The announcement of a winner by RUSSELLS or on RUSSELLS’s Social Media channels does not constitute a ruling by RUSSELLS that the winner has complied with these Terms and Conditions. RUSSELLS may still disqualify the Participant after the announcement should any rule transgressions be discovered.

5.13. We respect your privacy and by agreeing to this Terms and Conditions you voluntarily agree to abide by our privacy policy, which can be viewed at www.russells.co.za.

5.14. All RUSSELLS promotion are conducted in accordance with the provisions of Section 54 (1) of the Lotteries Amendment Act (46 of 2001).

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

The Bravo Group Manufacturing (Pty) Ltd, Sleep Division Competition (‘the Competition”) will commence on 01 February 2023 and entries to the Competition will close on 30 April 2023 at 23h59. Any entries received after midnight on the last day will be invalid and will not be considered and are subject to government regulations.

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

By entering the Competition, the Participants accept these terms and conditions (“the Rules”) and agree to abide by them. A copy of the Rules will be displayed on each of the brand’s websites, physical in-store entry form and the official competition website www.joindreamteam.co.za. However, any Participant may request to be furnished with an electronic copy of the Rules at no cost by emailing such request to [email protected].

The Participants stand a chance to win 1 (one) of 30 (thirty) cash prizes to the value of R10,000.00 (Ten Thousand Rand) each, or the equivalent currency at the time of payment (the “Prize”).

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

completing their name, store name, branch name, invoice number and product purchased on the in-store entry form and applicable websites:

1. www.sealy.co.za

2. www.slumberland.co.za

3. www.edblo.co.za

4. www.kingkoil.co.za;

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

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

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

The winners of the Prize shall be the first qualifying entry randomly drawn by way of a monthly draw which will be held on 28 February 2023, 31 March 2023; 30 April 2023.

An independent 3rd party will capture, monitor, verify and certify the draws and, except in so far as is provided for in the Consumer Protection Act 68 of 2008 (“CPA”), his/her decision will be final and no correspondence will be entered into in this regard

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

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

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

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

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

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

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

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

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

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

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

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

1. incorrect and inaccurate transcription of entry information;

2. technical malfunction;

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

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

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

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

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

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

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

3. These Terms and Conditions shall be read with the online Terms and Conditions displayed at www.russells.co.za, www.bradlows.co.za, www.sleepmasters.co.za

The Promotion runs from 8 May 2023 until the 2 July 2023 both dates inclusive, (the “Promotion Period”). Subject to stock availability.

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

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

1. Participant(s) must purchase cash any Sleepmasters Bed set (Promotional Item(s)) at any Bradlows, Russells, Sleepmasters store or online www.russells.co.za, www.bradlows.co.za, www.sleepmasters.co.za during the Promotional Period.

2. Participant(s) will be afforded an opportunity to

2.1 scan their QR code; or

2.2 Sms the short code you will receive from the store; or

2.3 Online checkout.

3. To participate in the spin the wheel promotion and to qualify for a DISCOUNT (Promotional Offer). .Once the Participant(s) spin the wheel they will get a unique discount code via SMS, that will be applied in the store to get the respective discount (Promotional Offer).

4. Discount codes can only be redeemed within the Brand that the transaction was initiated.

5. Should a Participant(s) choose to return their Promotional Item(s), the respective Promotional Offer will be revoked.

One entry per person for the period of the Promotion.

There is no entry fee to participate in the Promotion save for clause 7.

Discount on Promotional Item, ranging from 5-100% off the Promotional Item Purchase Price

11.1 The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Promotion in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Promotion agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Promotion.

11.2 This Promotion is only valid for purchases in South Africa.

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

11.4 The Participant has the discretion to consent to participate in marketing activities, including having his/her photograph taken and published on the Promoter’s website or other media.

11.5 A Participant has the discretion to consent to the Promoter sending marketing material during and after this Promotion and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and third party service providers running the Promotion. You can view our External Privacy Statement at External Privacy Statement__FINAL_2021.05_08112021 (Published) .

11.6 The right of a Participant to any benefit or right conferred as a result of participating in the Promotion will only be fully vested when the Participant has successfully complied with the criteria of the Promotion.

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

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

11.9 A copy of these Promotion Rules is available at www.russells.co.za, bradlows.co.za, www.sleepmasters.co.za

This is a Promotional Competition (“Competition”) as defined in the Consumer Protection Act no 68 of 2008 (“CPA”), as amended from time to time. This Competition is subject to the National Credit Act no 34 of 2005 (“NCA”), Regulations and to the participant’s acceptance of the Terms and Conditions (“Ts & Cs”) set out herein.

The Participant acknowledges that they have read and understood these Ts & Cs. These Ts & Cs will govern the Competition from any Bradlows, Russells, Sleepmasters, Rochester, or any Promoter to whom the Promoter has ceded the rights and obligations www.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za

2.1. The Competitionruns from 01 July 2023 until 30 September 2023, both dates inclusive (“Competition Period”). No entries will be accepted after midnight on 30 September 2023.

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

2.3. The Prize is not transferable nor convertible into cash nor substituted in any manner except as permitted by law.

3.1.1. Opened a valid secured account at a Bradlows, Russells, Sleepmasters or Rochester store, in the Participant's capacity during the Competition Period;

3.1.1.1. The account application is subject to our credit approval criteria and the conditions for granting credit as set out in the NCA.

3.1.2. Received an SMS from the Promoter inviting the Participant to participate in the Competition;

3.1.3. Successfully paid the required instalment amount as requested by the SMS sent to the Participant;

3.1.4. The Participant will automatically be entered into the Competition after the above;

3.1.5. The Participants account must be up to date at the time of the draw and the instalment payment must have been received and validated during the Competition Period;

3.1.6. These Ts & Cs do not negate the Participants’ obligations to continue making the required payments nor replace the Ts & Cs of their credit agreement(s); and

3.1.7. These T’s & C’s do not replace the T’s & C’s of any other Credit Agreement the participant may have with the Promoter.

One entry per person for the Competition Period, subject to opening a new account as per clause 3 above.

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

6.1. One winner will be selected for each brand, i.e. Bradlows, Rochester, Russells and Sleepmasters.

6.2. Each Winner will have to participate in a Grocery Trolley Dash up to the value of R3000.00 (the “Prize”).

6.2.1. Each Winner has the discretion to select a grocery store of their choice for purposes of conducting the Grocery Trolley Dash i.e. Shoprite, Checkers, SPAR, Boxer, Pick n Pay, etc.

6.2.2. Each Winner will only have 90 seconds to load their Grocery Trolley with groceries worth the value of R3000.00.

6.2.3. The accumulated value of the groceries in the trolley after the 90 seconds may not exceed R3000.00, which will be paid for by the Credit Acquisition Partner.

6.2.4. Should the groceries exceed R3000.00, the respective Winner may choose to pay for the difference or remove some item(s) to ensure that the total value of the groceries does not exceed R3000.00.

6.2.5. Where the total value of the groceries accumulated in the 90 second Trolley Dash is less than the R3000.00, the remaining amount will not be payable or converted to any form to the Winner.

6.3. The Grocery Trolley Dash will be coordinated by a Customer Acquisition Partner assigned to the Winner.

7.1. This Competition is conducted in the ordinary course of business and is open to all existing customers who meet the qualifying criteria.

7.2. The draw date shall be 10 October 2023 and an internal auditor will observe the draw.

7.3. The Winner will be notified by SMS or a telephone call by 18 October 2023 The Prize must be taken up by 31 October 2023, failing which the Prize will be awarded to the next eligible winner.

7.4. The Prize will be forfeited at the Promoter’s discretion if the Prize remains unclaimed after the stipulated dates.

7.5. The Participant may need to produce proof of identification (identity document or driver’s license) upon collection of the Prize.

7.6. The Promoter will not be liable for the technical failures relating to this Competition that may result in an entry not being successfully submitted.

7.7. The Prize may only be redeemed by an account holder who has a new, valid secured credit agreement with the Promoter that is up to date. The Prize is not redeemable in conjunction with any other Prize by the Promoter.

7.8. This Offer is open to all customers that received an SMS, above the age of 18, who are in possession of a valid identity document.

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

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

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

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

9.3. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on our websitewww.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za within 4 (four) days after the original draw date.

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

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

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

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

9.8. The Winner will be required to complete a declaration acknowledging receipt of the prize and that he/she is not connected to the Promoter as stipulated in clause 8 above.

9.9. 9.9. By entering into the Competition, a Participant has the discretion to consent to the Promoter sending marketing material during and after this Competition and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and the third party service providers running the Competition in conjunction with the Promoter. You can view our External Privacy Statement at www.pepkor.co.za/wp-content/uploads/2021/04/Privacy-Statement.pdf .

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

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

10.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Promotion in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Promotion agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Promotion.

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

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

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

10.5. A copy of these Competition Rules is available at www.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za.

This is a Promotional Competition (“Competition”) as defined in the Consumer Protection Act no 68 of 2008 (“CPA”), as amended from time to time. This Competition is subject to the National Credit Act no 34 of 2005 (“NCA”), Regulations and to the participant’s acceptance of the Terms and Conditions (“Ts & Cs”) set out herein.

The Participant acknowledges that they have read and understood these Ts & Cs. These Ts & Cs will govern the Competition from any Bradlows, Russells, Sleepmasters, Rochester, or any Promoter to whom the Promoter has ceded the rights and obligations www.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za

2.1. The Competitionruns from 01 July 2023 until 30 September 2023, both dates inclusive (“Competition Period”). No entries will be accepted after midnight on 30 September 2023.

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

2.3. The Prize is not transferable nor convertible into cash nor substituted in any manner except as permitted by law.

3.1.1. Opened a valid secured account at a Bradlows, Russells, Sleepmasters or Rochester store, in the Participant's capacity during the Competition Period;

3.1.1.1. The account application is subject to our credit approval criteria and the conditions for granting credit as set out in the NCA.

3.1.2. Received an SMS from the Promoter inviting the Participant to participate in the Competition;

3.1.3. Successfully paid the required instalment amount as requested by the SMS sent to the Participant;

3.1.4. The Participant will automatically be entered into the Competition after the above;

3.1.5. The Participants account must be up to date at the time of the draw and the instalment payment must have been received and validated during the Competition Period;

3.1.6. These Ts & Cs do not negate the Participants’ obligations to continue making the required payments nor replace the Ts & Cs of their credit agreement(s); and

3.1.7. These T’s & C’s do not replace the T’s & C’s of any other Credit Agreement the participant may have with the Promoter.

One entry per person for the Competition Period, subject to opening a new account as per clause 3 above.

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

6.1. One winner will be selected for each brand, i.e. Bradlows, Rochester, Russells and Sleepmasters.

6.2. Each Winner will have to participate in a Grocery Trolley Dash up to the value of R3000.00 (the “Prize”).

6.2.1. Each Winner has the discretion to select a grocery store of their choice for purposes of conducting the Grocery Trolley Dash i.e. Shoprite, Checkers, SPAR, Boxer, Pick n Pay, etc.

6.2.2. Each Winner will only have 90 seconds to load their Grocery Trolley with groceries worth the value of R3000.00.

6.2.3. The accumulated value of the groceries in the trolley after the 90 seconds may not exceed R3000.00, which will be paid for by the Credit Acquisition Partner.

6.2.4. Should the groceries exceed R3000.00, the respective Winner may choose to pay for the difference or remove some item(s) to ensure that the total value of the groceries does not exceed R3000.00.

6.2.5. Where the total value of the groceries accumulated in the 90 second Trolley Dash is less than the R3000.00, the remaining amount will not be payable or converted to any form to the Winner.

6.3. The Grocery Trolley Dash will be coordinated by a Customer Acquisition Partner assigned to the Winner.

7.1. This Competition is conducted in the ordinary course of business and is open to all existing customers who meet the qualifying criteria.

7.2. The draw date shall be 10 October 2023 and an internal auditor will observe the draw.

7.3. The Winner will be notified by SMS or a telephone call by 18 October 2023 The Prize must be taken up by 31 October 2023, failing which the Prize will be awarded to the next eligible winner.

7.4. The Prize will be forfeited at the Promoter’s discretion if the Prize remains unclaimed after the stipulated dates.

7.5. The Participant may need to produce proof of identification (identity document or driver’s license) upon collection of the Prize.

7.6. The Promoter will not be liable for the technical failures relating to this Competition that may result in an entry not being successfully submitted.

7.7. The Prize may only be redeemed by an account holder who has a new, valid secured credit agreement with the Promoter that is up to date. The Prize is not redeemable in conjunction with any other Prize by the Promoter.

7.8. This Offer is open to all customers that received an SMS, above the age of 18, who are in possession of a valid identity document.

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

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

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

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

9.3. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on our websitewww.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za within 4 (four) days after the original draw date.

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

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

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

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

9.8. The Winner will be required to complete a declaration acknowledging receipt of the prize and that he/she is not connected to the Promoter as stipulated in clause 8 above.

9.9. 9.9. By entering into the Competition, a Participant has the discretion to consent to the Promoter sending marketing material during and after this Competition and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and the third party service providers running the Competition in conjunction with the Promoter. You can view our External Privacy Statement at www.pepkor.co.za/wp-content/uploads/2021/04/Privacy-Statement.pdf .

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

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

10.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Promotion in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Promotion agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Promotion.

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

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

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

10.5. A copy of these Competition Rules is available at www.russells.co.za bradlows.co.za www.rochester.co.za www.sleepmasters.co.za.

2. In these rules, “Promoter” means a person who directly or indirectly promotes, sponsors, organises, or conducts the promotional competition, or for whose benefit the promotional competition is promoted, sponsored, organised, or conducted, which includes Restonic.

3. No director, member, partner, employee, agent of, or consultant to the Promoter or any other person who directly or indirectly controls or is controlled by the Promoter, their advertising agencies, or their spouses, life partners, parents, children, brothers, sisters, business partners or associates, may enter this promotional competition. This also applies to a person who is a supplier of goods or services in connection with this promotional competition.

4. All participants must be at least 18 years old at the time of entering the competition and must reside in South Africa, Namibia or Botswana, Lesotho or Eswatini. Each winner must be an employee of one of Restonic’s retailers at the time of the competition.

5. The Promoter reserves the right to vary, postpone, suspend, or cancel the competition, any aspect of the competition and anything related thereto, without notice at any time and for any reason whatsoever that the Promoter deems is reasonable at the time. Should the Promoter, law or any authority cancel this promotional competition, no notice of cancellation shall be required. In such event, all participants and winners waive any rights and acknowledge that they shall have no claim, of any nature whatsoever against the Promoter, its directors, agents, or employees because of the cancellation.

6. By entering the competition, participants agree and understand that they may win a prize, but there is no guarantee that they will win a prize.

7. To qualify for a competition entry, participants must sell any qualifying Restonic bed from any Restonic retailer (this includes, iDream, Greencoil and Restonic Beds). The participant must verify their sale by uploading their details and proof of client purchase to the competition website www.restonicsa.co.za or via the Restonic application or via the provided USSD line. Standard USSD rates will apply. Free minutes will not apply.

8. Entries to the draw can be earned as follows, based on total value of bed sales, inclusive of VAT:

• Value below R4500 = 1 entry

• Value above R4500 = 2 entries

• Value above R9500 = 3 entries

• Value above R15000 = 4 entries

• Value above R20 000 =5 entries

• Value above R25 000 = 6 entries

9. Prizes as allocated as per the below breakdown:

Week 1-9: 5 sales agents and 2 store managers winners per week of R5000 each (R315 000) Grand Prize draw: Overall top performing sales agent wins R75 000, and the store manager wins R25 000 2nd performer wins R40 000, and the store manager wins R12 000 3rd performer wins R25 000, and the store manager wins R8 000

10. By entering this competition, participants:

1. opt-in to direct marketing communication from the Promoter(s). Participants may unsubscribe from direct marketing at any time.

2. consent to the processing of their personal information by the Promotor(s) and its service providers, but only insofar that it is necessary to give effect to the competition, for example to view the entries, select a winner and deliver the prizes.

3. agree to the Promoter verifying their purchase before prizes are awarded; and 4. accept that, if they win a prize in the competition, the Promoter is required to retain their personal details relating to their names and identity numbers of a period of 3 (three) years.

11. The Promoter and its sponsors do not accept any responsibility for any entries or prizes that are lost, damaged, unusable, or delayed.

12. Winners will receive their prizes once their contact details are verified by the Promoter (Successful contact via supplied contact number will suffice as verification). 13. Winners will be sent their prize money via secure service no later than four weeks after being verified.

14. The Promoters will have final decision on if the winners receive their share of the prize money. 15. PRIZE DELIVERY:

Gift Cards will be delivered to the sales agent via a Restonic Brand Ambassador. The relevant sales agent will need to register their gift card. The gift card will only be loaded for use once FICA information has been verified at www.infica.co.za. Verification can take between 24 and 48 hours. This is a pin protected card. The prize money is loaded onto a Premium Imali Card, which can be used like a normal Bank/ATM Card. The Sales agent can either draw out the prize money or swipe at any retailer that accepts Mastercard to use the money as they wish. Winners will be responsible to declare their own tax obligations. If any taxes, levies, duties, or any charges whatsoever are levied on a prize by any competent authority, the winner will be liable for these, and the prize value will not be increased to compensate for such charges. This competition will commence on 1st August 2023 and end on 1st October 2023.

16. No late entries will be accepted.

17. The lucky draw winners will be randomly selected during the promotion at Offlimit Communication’s Head Office in Johannesburg. Top performance bonuses are awarded to the sales agents and their managers with the most amounts of sales entries.

18. The Promoter reserves the right to redraw these prizes at any time.

19. All winners will be announced on social media. Winners’ names and surnames will be posted weekly on Restonic South Africa’s Facebook and Instagram social media pages. By entering this competition, participants consent to their personal details (name and surname) being publicised on social media.

20. The winners will be notified via email or phone call should they win. If the Promoter is not able to contact a winner, or the winner does not provide the Promoter with relevant and correct information timeously, the prize will be forfeited, and a new winner will be re-drawn. The decision of the Promoter as to the winners is final and no correspondence will be entered into.

21. Participants can download a copy of the competition rules at any time on the competition website at www.restonicsa.co.za.

22. By accepting a prize or by entering this competition, participants hereby indemnify Restonic and its Promoter(s) against any damage or losses of any nature whatsoever that the participants may suffer because of this competition and the prizes, including consequential damages and economic loss.

23. Any participant in this competition shall be deemed to have accepted these Competition Rules upon entry into the competition and agrees to be bound by them. Failure to comply with these rules or the terms of acceptance of a prize by a winner will be deemed to be a rejection of the prize and the winners will then be disqualified from receiving the prize.

24. This competition is not organised, sponsored, endorsed, or promoted by Facebook, Instagram or any other social media that may be used to promote the campaign.

2. This promotion is promoted by Russells a brand of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) (“the Promoter”).

3. Promotion Period: The promotional period will run while stocks lasts.

4. This offer is available online only at www.russells.co.za .

5. Russells reserves the right, in its sole discretion and to the extent permitted by law, to amend these Terms and Conditions, at any time.

6. How to qualify: Free delivery applies to online deliveries. Our free delivery promotion/option is only valid for orders of houseware products that are over a total of R450

7.1 Russells delivers within the borders of South Africa only.

7.2 Deliveries are door to door and must be a physical address within the borders of South Africa and not a Post Box We do not deliver to any postal addresses i.e. deliver to a post box or to any post offices. Please ensure all delivery details including the postal code are accurate, as you will be liable for all additional handling and shipping charges as a result of such errors. Please also ensure that someone is available to sign for and receive your goods at the time of delivery. It will be deemed that you as the purchaser assign without prejudice and without a proxy to a party other than yourself to sign for your goods at your specified and confirmed delivery address should you be or not be present at time of delivery.

7.3 You accept that Russells does not have to prove that you personally received the delivery of such goods. You agree that we would only be required to prove that someone not necessarily yourself signed for the goods at your specified and confirmed delivery address. Although we monitor every purchase order to ensure your package is delivered.

7.4 Should you have not received your delivery of goods after 24 hours of the expired delivery period you would need to contact us within a maximum of 48 hours. Should you fail to notify us of none delivery within the given period you agree that it would be deemed that you received the purchased goods.

7.5 Delivery of products purchase through the online store is subject to the geographical delivery framework as determined by our courier partner. Should your delivery address fall into one of these categories, you will be liable for any additional costs incurred in delivery, storage and or returning the parcel. (Category list as follows; plots, farms, mines, military bases, major chain stores, power stations, game reserves and lodges and harbors)

8. The Company assumes no liability whatsoever for any direct or indirect loss or damage arising from your participation in Offer or howsoever arising (whether arising from negligence or otherwise). All customers, whilst participating in this Offer, do not hold Russells accountable for any loss, damage, harm or injury (whether arising from negligence or otherwise) which may be sustained as a result of any claim, costs, expense, loss or damages which may be made by any third party.

2. This Competition shall be conducted in accordance with the provisions of section 36 read with Regulation 11 of the Consumer Protection Act No. 68 of 2008 the National Credit Act No. 34 of 2005 and Electronic Communications and Transactions Act No.25 of 2002.

3. These Terms and Conditions should be read together with the online terms and conditions displayed on www.russells.co.za

The Competition runs from 04 December 2023 until 20 December 2023, both dates inclusive. (the “Competition Period”). No entries will be accepted after midnight on 20 December 2023.

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

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

7.1. Purchase any product from the value of R2999.00 on credit or cash in store or online during the Competition Period; and

7.2. Stand a chance to win one of five TV’S (the” Prize”) as per clause 10.

7.3. The credit applications are subject to an affordability assessment as is required by the NCA and its Regulations.

One entry per person

There is no entry fee to Participate in the Competition, save for clause 7.

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

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

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

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

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

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

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

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

11.9. By entering into the Competition, a Participant has the discretion to consent to the Promoter sending marketing material during and after this Competition and voluntarily provides their personal information in accordance with the Protection of Personal Information Act (“POPIA”) to the Promoter, its associated agencies and third party service providers running the Competition in conjunction with the Promoter. You can view our External Privacy Statement at External Privacy Statement__FINAL_2021.05_08112021 (Published) .

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

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

12.1. The Promoter reserves the right to amend, modify, cancel or withdraw any aspect of this Competition in its sole discretion at any time without prior notice or liability. The Promoter cannot guarantee the performance of any third party and shall not be liable for any act or default by a third party. Participants of this Competition agree that the Promoter will, subject to prevailing law, have no liability whatsoever for any injuries, losses, costs, damage or disappointment of any kind resulting in whole or in part, directly or indirectly from acceptance, misuse or use of the Prize, or from participation in this Competition.

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

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

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

12.5. A copy of these Competition Rules is available at www.russells.co.za