|
|7. UKUTHENGA NGE-AKHAWUNTI YAMI OKUNGAGUNYAZIWE
|
Ngiyaqonda ukuthi omunye wemihlomulo enginayo njengamanje ngokukhokha inhlawulo yezinsizakalo yaminyakayonke uMhlomulo Wokuvikelwa Emgunyathini. Umhlomulo Wokuvikelwa Emgunyathini ungivikela ekusetshenzisweni okungagunyaziwe kanye/noma ukuthenga ngomgunyathi nge-Akhawunti yami. Uma ngikubikile ukuthenga okunjalo, i-Identity ngeke ingithwese icala, ngaphandle uma isiginesha yami ikhona ku-invoice noma kunobunye ubufakazi bokuthenga noma i-Identity ingabonisa ukuthi yimina ogunyazile noma obethenga.
|
|8. UMSHUWALENSE WOKUVIKELA IBHALANSI YE-AKHAWUNTI
|
I-Identity ngokombono wayo ingenza ukuba uMshuwalense Wokuvikela Ibhalansi Ye-akhawunti ube yisibopho sokuvula i-Akhawunti yase-Identity. Kulesi simo ngingasebenzisa ilungelo lami lokuthatha esikhundleni soMshuwalense Wokuvikela Ibhalansi Ye-akhawunti yase-Identity eyami ipholisi efanayo, uma nje ngizoveza ubufakazi obanelisa i-Identity bokuthi i-Identity ibhaliswe njengendlalifa yepholisi yami.
Uma nginoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti yase-Identity ngiyavuma ukuboshwa yimigomo nemibandela yepholisi yomshuwalense othintekayo etholakala lapho ngithenga kanye nakwiwebhusayithi ye-Identity. I-Identity izodonsa kwi-Akhawunti yami nyanga zonke imali okufanele ikhokhwe ngokuvumelana nemibandela yoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti. Inkampani yomshuwalense izongithumelela isiqinisekiso somshuwalense kanye nemininingwane yepholisi.
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|9. ULWAZI OLUYIMFIHLO NOLOMUNTU SIQU
|
|
9.1
|
Ngiyavuma ukuthi i-Identity ingacela futhi ithole noma yiluphi ulwazi oluyimfihlo nezikweletu zami kunoma iyiphi inhlangano yezikweletu, kwenye irejista noma kwenye indawo nganoma yisiphi isikhathi, kubandakanye nokucela ukuhlaziywa kwezikweletu nesiqinisekiso sokuthi le mvume ihlanganisa ulwazi oselutholwe yi-Identity kakade. I-Identity ingabelana ngalolu lwazi oluyimfhlo nolwezikweletu (kubandakanye nolwazi mayelana nokungazikhokheli kwami izibopho zeSivumelwano sami) kanye nolwazi oluphathelene ne-Akhawunti yami, kubandakanye neSicelo sami, usuku lokuvulwa nokuvalwa kwe-Akhawunti yami, nanoma iyiphi indawo yesikweletu nenhlangano yezikweletu, phakathi kokunye, ngenjongo yokuba inhlangano enjalo yezikweletu yabelane ngolwazi olunjalo nabanye abahlinzeki bezikweletu nezinhlangano zezikweletu. Ngiyaqonda ukuthi inhlangano yezikweletu inikeza abahlinzeki besikweletu imidanti, kanye nokuhlaziywa kwezikweletu zami, kuye ngolwazi i-Identity elunika inhlangano enjalo.
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9.2
|
Ngiyaqonda ukuthi ulwazi lwami oluyimfihlo nolwezikweletu lungase lusetshenziswe yi-Identity ngenjongo yokukhangisa nokweseka nokuhlaziya nokubala izingcuphe kanye nezinjongo ezivamile zebhizinisi zakwa-Identity.
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|10. IZINHLANGANO ZEZIKWELETU
|
|
10.1
|
I-Identity ingase idalule ulwazi lwami oluyimfihlo nolwezikweletu olushiwo ngenhla, ezinhlanganweni zezikweletu, kubandakanye nezilandelayo:
|
10.1.1
|
Compuscan
Ucingo: +27 (0)21 888 6000 +27 (0)21 888 6000
Ifeksi: +27 (0)21 883 2336
I-imeyili: info@compuscan.co.za
Ikheli Lomgwaqo: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
Ikheli Leposi: PO Box 1028, Stellenbosch, 7599, South Africa
|
10.1.2
|
Experian
Ucingo: +27 (0)11 799 3400 +27 (0)11 799 3400 or 086 110 5665
Ifeksi: +27 (0)11 707 6700/6786
I-imeyili: info@experian.co.za noma morpheus@experian.co.za
Ikheli Lomgwaqo: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
Ikheli Leposi: PO Box 98183, Sloan Park, 2152, South Africa
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10.1.3
|
TransUnion
Ucingo: 0861 482 482
Ifeksi: +27 (0)11 388 2454
I-imeyili: creditbureau@transunion.co.za
Ikheli Lomgwaqo: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
Ikheli Leposi: PO Box 4522, Johannesburg, 2000, South Africa
|
10.1.4
|
XDS
Ucingo: +27 (0)11 645 9100 +27 (0)11 645 9100
Ifeksi: +27 (0)11 484 6588
I-imeyili: info@xds.co.za
Ikheli Lomgwaqo: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
Ikheli Leposi: PO Box 30987, Braamfontein, 2017, South Africa
|
10.1.5
|
South African Fraud Prevention Services
Usizo: 0860 101 248
Ucingo: +27 (0)11 867 2234 +27 (0)11 867 2234
Ifeksi: +27 (0)11 867 2315
I-imeyili: safps@safps.org.za
Ikheli Lomgwaqo: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
Ikheli Leposi: PO Box 2629, Alberton, 1450, South Africa
nezinye izinhlangano zezikweletu i-Identity esebenzelana nazo ngezikhathi ezithile.
|
10.2
|
Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingaxhumana nenhlangano yezikweletu futhi ngicele ukuba ngitshelwe ngolwazi lwami lwezikweletu. Ngingaphikisa nanoma yiluphi ulwazi oluphethwe yinhlangano yezikweletu engikholelwa ukuthi luyiphutha.
|
10.3
|
I-Identity inganika izinkampani ezingozakwabo noma amanxusa ulwazi lwami oluyimfihlo nolwezikweletu kanye nemikhuba yami yokuthenga kanye nanoma ubani othintekayo ekuvinjelweni nasekuvikelweni ebugebengwini.
|
10.4
|
Ngiyaqonda ukuthi ngokomthetho wokukhwabaniswa kwemali waseNingizimu Afrika, i-Identity inomthwalo wokubika izinto ezisolisayo noma ezingajwayelekile ezihlanganisa izenzo ezingqubuzana nomthetho ngokuvumelana nezibopho zamabhizinisi kulolu daba.
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|11. UKUBUYISWA KWEZINTO EZITHENGIWE
|
|
11.1
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Izinto Ezibuyiswayo Nezishintshwayo
I-Identity iyongivumela ukuba ngibuyise noma ngishintshe izinto engizithengile zingakapheli izinsuku ezingama-30 kusukela ngosuku engizithenge ngalo uma:
|
11.1.1
|
I-invoice yokuqala noma irisidi yesipho ikhishwa lapho kubuyiselwa utho njengobufakazi bokuthenga.
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11.1.2
|
Likhona ithikithi lenani lentengo (i-swing).
|
11.1.3
|
Leyo ngubo ingakagqokwa noma ingakasetshenziswa.
|
11.1.4
|
Leyo ngubo isesimweni sayo sokuqala nasephaketheni layo.
|
11.1.5
|
Izinto ezithengwe kanye nezipho eziyimititilizo zibuyiswa kanye naleso sipho.
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11.1.6
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Leyo ngubo ibuyiselwa ezweni ethengwe kulo.
|
11.2
|
Ukubuyiselwa Imali
I-Identity izovumela ukubuyiselwa yonke imali umuntu athenge ngayo ekuqaleni noma ihlehlise isikweletu ku-Akhawunti yase-Identity uma:
|
11.2.1
|
Kuhlangatshezwane nayo yonke imibandela esesigabeni 11.1.
|
11.2.2
|
Umnikazi wekhadi lesikweletu kanye nekhadi elifanele kuvezwa ukuze kubuyiswe imali yekhadi lesikweletu.
|
11.2.3
|
Akukho mali ezobuyiswa uma kuvezwa irisidi yesipho ngaphandle uma i-invoice yokuqala ivezwa ngesikhathi esifanayo.
|
11.3
|
Kodwa-ke, ngaphandle kokufezekisa imibandela yesigaba 11.1 no-11.2, ngiyaqaphela ukuthi:
|
11.3.1
|
Ubucwebe, amawashi (anegaranti) kanye nezibuko zelanga kufanele zibuyiselwe esitolo emnyangweni wobucwebe bokuhloba zingakapheli izinsuku eziyi-14.
|
11.3.2
|
Izingubo zokubhukuda kufanele zibe nomdweshu wokuzivala (i-protective strip).
|
11.3.3
|
Omakhalekhukhwini kufanele babuyiselwe esitolo etafuleni lomakhalekhukhwini futhi kuzosetshenziswa iNqubomgomo Yokubuyisa Izinto yakwaMTN.
|
11.3.4
|
Zonke izimonyo namakha kufanele kubuyiselwe esitolo esinomnyango wezimonyo ogcina lezo zinto.
|
11.4
|
Izinto ezingeke zibuyiswe
Akukho ukubuyiswa kwezingubo zangaphansi, amakhadi esipho, umoya kamakhalekhukhwini noma izinto zokuhloba ezibhoboza umzimba (kubandakanye namacici) okuyovunyelwa.
|
11.5
|
Izimpahla Ezilimele
Izimpahla ezinamaphutha asefektri ziyohoxiswa esikweletini noma zishintshwe ngenjabulo uma:
|
11.5.1
|
Izimpahla ezinjalo zibuyiselwa e-Identity zingakapheli izinyanga eziyisithupha (6) zilethwe kimi.
|
11.5.2
|
Kungavezwa ubufakazi bokuthenga.
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11.5.3
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Izimpahla ezithengiwe zibuyiselwa ezweni ezithengwe kulo.
|
11.5.4
|
Izimpahla ezithengiwe zisetshenziselwe injongo yazo.
|
11.5.5
|
Leyo nto kufanele ukuthi ibinakekelwe ngokwelebula lokuyiwasha/lokuyinakekela.
Ukuze uthole iNqubomgomo Ephelele Yokubuyiswa Kwezinto sicela uvakashele ku- www.identity.co.za
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|12. IZINHLAWULO NEZINDLEKO ZE-AKHAWUNTI
|
|
12.1
|
Ngiyaqonda ukuthi i-Identity izongikhokhisa inhlawulo yezinsizakalo yaminyakayonke yezindleko ezivamile zokunakekelwa kwamaphepha futhi lokhu njengamanje kunginika uMhlomulo Wokuvikelwa Emgunyathini. Imali okufanele ikhokhwe ngesikhathi esinqunyiwe izochazwa eSilinganisweni kanye/noma ngiyithunyelelwe ngencwadi. Le mali ayibuyiswa futhi izodonswa ifakwe ku-Akhawunti yami kanye ngonyaka uma isifuneka kwa-Identity iphelele. Ngokombono we-Identity le nhlawulo yezinsiza yaminyaka yonke ingase yenyuswe ngezikhathi ezithile uma ingeke yeqele ngalé kwenani eliphezulu elishiwo eMthethweni Wezikweletu Kazwelonke, uma kunesidingo. Inhlawulo yezinsizakalo yaminyakayonke ingase ngezikhathi ezithile ichithwe ngokombono we-Identity.
|
12.2
|
I-Identity iyaligodla ilungelo lokungikhokhisa inhlawulo yokuvulwa kwe-akhawunti uma ngivula i-Akhawunti yami (inani elizochazwa eSilinganisweni futhi okufanele ngilikhokhe kusengaphambi kwesikhathi kunokuba linezelwe ebhalansini engiyikweletayo).
|
12.3
|
I-Identity iyaligodla ilungelo lokungikhokhisa:
|
12.3.1
|
Inhlawulo yokusingatha i-Akhawunti yami uma ikweleta noma uma ngephula lesi sivumelwano, kanye nanoma yiziphi izindleko zokulandelela isikweletu i-Identity engase ingene kuzo lapho ifuna ngifeze izibopho zami zemali ngaphansi kwalesi sivumelwano kubandakanye nezinhlawulo zomthetho ezingeke zeqele ngalé kwalezo ezivunyelwe uMthetho Wabameli, uMthetho Wenkantolo Ephakeme, uMthetho Wenkantolo KaMantshi kanye noMthetho Wabaqoqi Bezikweletu, uma kunesidingo. Lezi zimali, izinhlawulo nezindleko ngeke zibe ngaphezu kwalezo ezivunyelwe uMthetho Wezikweletu Kazwelonke, uma kunesidingo.
|
12.3.2
|
Zonke izindleko ezihlobene nokudluliselwa kwe-Akhawunti yami enkampanini eqoqa izikweletu ukuze ifune izimali ezisilele.
|
12.4
|
Imali yezinsizakalo esekelwe kokwenziwe ingase ikhokhiswe yi-Identity futhi idonswe kwi-Akhawunti yami ngamasheke engiwakhiphile kodwa abuyiswa yibhange nganoma yisiphi isizathu noma ngama-debit order ibhange elingawakhokhi ngenxa yokuntuleka kwezimali.
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|13. IMIBANDELA EHLUKAHLUKENE
|
|
13.1
|
Ngikhetha ikheli lami lomgwaqo elishiwo eSilinganisweni noma eSicelweni sami (noma ikheli elihlukile engilishoyo ngokuvumelana nesigaba 13.2) ukuze ngithole kulo izincwadi zomthetho. Ngokuphathelene nalesi Sivumelwano kanye nazo zonke izinto ezithinta i-Identity, kusebenza umthetho waseNingizimu Afrika.
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13.2
|
Ngizotshela i-Identity ngokushesha nganoma yiluphi ushintsho lwemininingwane yokuxhumana nami, ebandakanya kodwa engagcini nje ngamakheli ami ebhizinisi, eposi noma omgwaqo, ucingo lwami lwasekhaya, lwasemsebenzini noma lukamakhalekhukhwini, kanye nekheli lami le-imeyili.
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13.3
|
Uma ngangine-Akhawunti yase-Identity ngaphambilini kodwa ngayivala eminyakeni emithathu (3) edlule ngafaka isicelo se-Akhawunti entsha yase-Identity, lapho-ke i-Identity inelungelo lokuhoxisa yonke imihlomulo yokuqala ye-Akhawunti entsha.
|
13.4
|
Uma ngisemshadweni wenhlanganyelo (umshado ohlanganisa amafa) ngiyaqinisa ukuthi ngiyitholile imvume yowakwami yokuvula le Akhawunti nokuvuma ukwenyuswa koMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti othinta i-Akhawunti yami.
|
13.5
|
I-Identity kanye nawo wonke amanxusa ewagunyazile ayoba nelungelo lokugada kanye/noma ukurekhoda izingxoxo zami zocingo noma zikamakhalekhukhwini engixoxa kuzo nanoma yibaphi abasebenzi babo ngenjongo yokuqeqesha, ukulandelela isikweletu noma ukusetshenziswa esikhathini esizayo.
|
13.6
|
Noma yiluphi ulwazi oluphathelene nami i-Identity enelungelo lalo ngokwalesi sivumelwano lunganikwa noma yimuphi umthengi noma ludluliselwe kunoma ubani uma i-Identity idayisela lowo muntu ibhizinisi layo noma uma inkampani enjalo ithola ilungelo lokuphatha i-Identity.
|
13.7
|
Noma iyiphi inkululeko noma ilungelo engilinikwa i-Identity ngeke libhekwe njengokulahla kwe-Identity amalungelo ayo ngokwalesi Sivumelwano Sesikweletu.
|
|14. IZIMPIKISWANO NEZIKHALO ZE-AKHAWUNTI
|
|
14.1
|
Nganoma yisiphi isikhathi, ngingase ngiyise isikhalo mayelana nalesi Sivumelwano kwelinye inxusa elingumlamuli, inkantolo yabathengi noma ngiyise ingxabano ngalesi Sivumelwano Sesikweletu ku-Credit Ombud, iKhomishani Labathengi Likazwelonke noma uMlawuli Wezikweletu Zikazwelonke uma i-Akhawunti yami yavulwa eNingizimu Afrika nakunoma yisiphi isigungu esifanele noma umlawuli ezweni lapho ngavula khona i-Akhawunti yami.
I-Credit Ombud ingathintwa ngale mininingwane:
Ucingo: 0861 OMBUDS (0861 662837)
Ifeksi: 086 683 4644
I-imeyili: ombud@creditombud.org.za
Ikheli Lomgwaqo: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Ikheli Leposi: PO Box 805, Pinegowrie, 2123, South Africa
Iwebhusayithi: www.creditombud.org.za
Umlawuli Wezikweletu Kazwelonke angathintwa ngale mininingwane:
Ucingo: +27 (0)11 554 2600 +27 (0)11 554 2600 or 0860 627 627
Ifeksi: +27 (0)11 554 2771
I-imeyili: info@ncr.org.za
Ikheli Lomgwaqo: 127 15th Road, Randjespark, Midrand, South Africa
Ikheli Leposi: PO Box 209, Halfway House, 1685, South Africa
IKhomishana Yabathengi Kazwelonke ingathintwa ngale mininingwane:
Inombolo ye-Share Call: 0860 266 786
Ifeksi: 0861 515 259
I-imeyili: ncc@thedti.gov.za
Iwebhusayithi: www.nccsa.org.za
|
14.2
|
Uma nginombuzo mayelana nobuqiniso besitatimende sami se-akhawunti sanyanga zonke noma kunempikiswano nganoma yini engiyithengile noma omunye umsebenzi obonakala kuso, ngizokwazisa i-Identity zingakapheli izinsuku ezingama-60 kusukela ngosuku lwaleso sitatimende.
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|15. UKWELULEKWA NGEZIKWELETU
|
Lesi sigaba sithinta ama-akhawunti avulwe eNingizimu Afrika kuphela.
Ngiyaqinisa ukuthi ngesikhathi sokufaka isicelo se-Akhawunti yami yase-Identity isimo sami sezikweletu besingahlaziywa noma sibukezwa ngumeluleki wezezikweletu njengoba kushiwo esigabeni 86 soMthetho Wezikweletu Kazwelonke. Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingathinta umeluleki wezezikweletu ukuze angisize ngokusingatha izikweletu zami.
Inqubo okufanele ilandelwe yilena:
|
15.1
|
Thintana nanoma imuphi umeluleki wezezikweletu.
|
15.2
|
Khokha inani elinqunyiwe bese ugcwalisa ifomu olinikwa ngumeluleki wezezikweletu.
|
15.3
|
Umeluleki wezezikweletu uzohlaziya izikweletu bese enza isinqumo sokuthi ukunikezwa kwale Akhawunti Yesikweletu kwakuwubudedengu yini.
|
15.4
|
Uma ngangingacwilanga ezikweletini ngesikhathi kukhishwa le Akhawunti Yesikweletu, khona-ke umeluleki wezezikweletu angamisa inqubo yokuhlaziya futhi ngizoqhubeka nginecala e-Identity.
|
15.5
|
Uma ngangicwile ezikweletini ngesikhathi kukhishwa le Akhawunti Yesikweletu, lapho-ke umeluleki wezezikweletu uyokwenza izincomo futhi athumele udaba eNkantolo efanele noma eMkhandlwini ukuze kukhishwe isinqumo sokuthi lesi sivumelwano senziwa budedengu.
|
15.6
|
Uma ngingacwilile ezikweletini, kodwa umeluleki wezezikweletu ekholelwa ukuthi ngizoba nobunzima bokukhokhela isikweletu sami, lapho-ke umeluleki wezezikweletu angenza izincomo ku-Identity futhi mina ngivuma ngokuzithandela ukuba kwenziwe uhlelo olusha lwesikweletu.
|
|16. ABABAMBIQHAZA BESIVUMELWANO NOKUSEBENZA KWASO
|
|
16.1
|
Ngiyaqonda ukuthi:
|
16.1.1
|
Umniki-sikweletu ngokwemibandela yalesi Sivumelwano Sesikweletu:
|
16.1.1.1
|
uma ngavula i-Akhawunti yami eNingizimu Afrika i-Truworths Limited (inombolo yokubhaliswa 1940/013923/06), engumhlinzeki wezikweletu obhalisiwe ngaphansi kwenombolo ethi NCRCP45;
|
16.1.1.2
|
uma ngavula i-Akhawunti yami eNamibia yi-Truworths (Namibia) Limited (inombolo yokubhaliswa 492);
|
16.1.1.3
|
uma ngavula i-Akhawunti yami eSwazini yi-Truworths (Swaziland) Limited (inombolo yokubhaliswa 108/1961);
|
16.1.1.4
|
uma ngavula i-Akhawunti yami eBotswana yi-Truworths Botswana (Pty) Limited (inombolo yokubhaliswa CO2007/5848);
yase-No. 1 Mostert Street, Cape Town, South Africa (ebizwa kule dokhumenti ngokuthi "i-Identity").
|
16.1.2
|
Ngingumthengi/onikwa isikweletu futhi amakheli ami ngiwanikeze eSilinganisweni noma eSicelweni noma ngawashintsha encwadini engayibhalela i-Identity.
|
16.1.3
|
Akukho nani elikhokhiwe noma okufanele likhokhwe yimi njengenkokhelo yokuqala (okuwukuthi, idiphozithi) ngokwalesi Sivumelwano Sesikweletu.
|
16.1.4
|
ISivumelwano Sesikweletu siphathelene nezingubo zemfashini nezinto ezihambisana nazo, kubandakanye ubucwebe, izimonyo nomakhalekhukhwini kanye/nanoma yimiphi eminye imikhiqizo noma amasevisi, izinto ezichazwe kuma-invoice engiwanikwa ngemva kokuthenga ezitolo zase-Identity kanye/noma kuwebhusayithi yase-Identity.
|
16.2
|
Ngiyaqinisa ukuthi nginelungelo elingokomthetho lokungena kulesi Sivumelwano.
|
|17. UKUQEDA ISIKWELETU NGAPHAMBI KWESIKHATHI
|
Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingakhokhela iSivumelwano Sesikweletu e-Identity ngaphambi kwesikhathi ngokukhokhela i-Identity inani engilikweletayo ngosuku lokukhokha isikweletu. Inani lokukhokha isikweletu libandakanya inani lesikweletu esikhulu esingakhokhwanga (inani eliyibhalansi engiyikweletayo ngaphandle kwenzalo nezinye izinhlawulo ezisesitatimendeni sami) kanye nanoma iyiphi inzalo noma ezinye izinhlawulo ezinqwabelene ngosuku lokukhokha isikweletu.
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|18. UKUVALA KWEKHASIMENDE I-AKHAWUNTI
|
Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingachitha iSivumelwano Sesikweletu ne-Identity ngokukhokhela i-Identity inani lesikweletu (njengoba kushiwo ngenhla) engilikweleta kwi-Akhawunti yami ngosuku lokuchitha isivumelwano. Uma kungekho nani elinjalo engilikweletayo ngiyaqonda ukuthi kumele ngitshele i-Identity ngenhloso yami yokuchitha iSivumelwano Sesikweletu.
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|19. UMKHAWULO WESIKWELETU KANYE/NOMA UMKHAWULO WE-AKHAWUNTI ONQUNYWA YIKHASIMENDE
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Ngiyaqonda futhi ukuthi ngencwadi eya e-Identity nganoma yisiphi isikhathi nginganciphisa uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti othinta i-Akhawunti yami Yesikweletu, noma ngisho uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti engizimisele ukuwamukela kule Akhawunti Yesikweletu.
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|20. IZICHIBIYELO ZESIVUMELWANO
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I-Identity ngencwadi ebhaliwe yezinsuku okungenani ezinhlanu (5) zebhizinisi ingashintsha le mibandela nemigomo uma nje ushintsho olunjalo lunciphisa icala lami ngaphansi kweSivumelwano Sesikweletu ne-Identity, futhi/noma lwandisa ngokuzenzekelayo uMkhawulo Wesikweletu othinta i-Akhawunti yami Yesikweletu njalo ngonyaka uma ngikhetha kanjalo. Noma yiluphi ushintsho olunjalo lweSivumelwano Sesikweletu kufanele kuvunyelwane ngalo phakathi kwami ne-Identity futhi lubhalwe phansi.
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|21. UKUPHELA KWESIVUMELWANO
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I-Identity izoba nelungelo, ngaphandle kokungazisa, lokudlulisela noma yimaphi amalungelo ayo nokwabelana nganoma yiziphi izibopho zayo ngokwalesi Sivumelwano Sesikweletu kunoma imuphi omunye umuntu wesithathu.
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|22. UKUDALULA IZIVUMELWANO EZENZIWE NGAPHAMBI KUKA-1 JUNI 2007
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Uma iSivumelwano sami Sesikweletu senziwa ngaphambi kuka-1 Juni 2007 kuyavunywa ukuthi ngenxa yokuthi lesi sikweletu engasinikwa sasiyiSikweletu esivuselelwayo, ulwazi olulandelayo alwaziwa njengamanje futhi ngeke lunqunywe kusengaphambi kwesikhathi:
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22.1
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Intengo yazo zonke izinto ezidayiswayo engizozidayiselwa yi-Identity phakathi nesikhathi sokusebenza kwe-Akhawunti Yesikweletu esivuselelwayo.
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22.2
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Inani lezinye izinhlawulo okukhulunywa ngazo kule ncwadi ezizoba yingxenye yebhalansi engiyikweletayo.
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22.3
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Ingxenye esebenzayo yebhalansi engiyikweletayo eyisikweletu esikhulu.
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22.4
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Inani lenzalo noma izinhlawulo zezimali ezizokhokhiswa engxenyeni efanele yebhalansi engiyikweleta ngokwesigaba 4 sale ncwadi.
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22.5
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Izinga lenzalo ezokhokhiswa, eyaziwa nangokuthi izinga lenhlawulo yemali yaminyakayonke, ngokwesigaba 4 sale ncwadi engxenyeni efanele yebhalansi engiyikweletayo.
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22.6
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Izinsuku, isibalo namanani okukhokha ngamancozuncozu kwanyanga zonke uma ngikhokhela ibhalansi engiyikweletayo.
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|23. UHLELO LWAMAKHASIMENDE AQOTHO
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Bonke abanikazi bama-akhawunti bamanje nabo bonke abafaka isicelo sesikweletu (laba bakamuva bangaphansi kweminye imigomo nemibandela elapha kodwa kungakhathaliseki ukuthi bayasinikwa yini isikweletu noma cha) bafaneleka ngokuzenzekelayo ukuba neqhaza Ohlelweni Lwamakhasimende Aqotho akwa-Identity.
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|24. UKUNQANYULWA KWESIVUMELWANO
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Uma kwenzeka umbandela owodwa noma ngaphezulu equkethwe kulesi Sivumelwano Sesikweletu nganoma isiphi isizathu ingasebenzi, ingekho emthethweni futhi ingenakusebenziseka nganoma iyiphi indlela, ukungasebenzi okunjalo, ukungqubuzana nomthetho noma ukungasebenziseki okunjalo ngeke kuthinte noma imuphi omunye umbandela walesi Sivumelwano Sesikweletu, okuyothathwa ngokuthi umbandela onjalo ongasebenzi, ongekho emthethweni noma ongasebenziseki wawungafakwanga, futhi iSivumelwano Sesikweletu siyosetshenziswa cishe ngokuvumelana nemibandela nezinhloso zokuqala.
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|25. UKUDALULA NGOKOMTHETHO WOKUVIKELWA KWABATHENGI
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ENingizimu Afrika i-Identity isebenza njengommeleli we-Hollard Life Assurance Company Limited ne- Hollard Life Insurance Company Limited ekugqugquzeleni nasekuhlinzekeni ngoMshuwalense Wokuvikelwa Kwebhalansi Ye-akhawunti noMshuwalense Kamakhalekhukhwini. Lapha ihlinzeka ngolwazi oluthe xaxa olungashiwongo ngenhla, olufunwa yisigaba 27 soMthetho Wokuvikelwa Kwabathengi kanye nomthetho 9 weZimiso ezishiwo lapha.
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I-Identity ingathintwa ngalezi zindlela:
Ucingo: +27 (0)21 460 2400 +27 (0)21 460 2400
Ikheli Leposi: PO Box 4775, Cape Town, 8000, South Africa
Ifeksi: +27 (0)21 460 7277
I-imeyili: services@identity.co.za
Umxhumanisi wezindaba zomphakathi e-Identity ngu-Annalize Kirsten, okungaxhunyanwa naye kule nombolo +27 (0)21 460 7911.
ID/TC/E/ 9/2016
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| Identity Retailing (Pty) Ltd: Ino. yekubhalisa 1965/001234/07 (uma ngabe i-akhawunti yami ivulwe eNingizimu Afrika); I-Identity, luphiko lweTruworths (Namibia) Limited: Ino. yekubhalisa 492 (uma ngabe i-akhawunti yami ivulwe eNamibia); I-Identity, luphiko lweTruworths (Swaziland) Limited: Ino. yekubhalisa 108/1961 (uma ngabe I-akhawunti yami ivulwe eSwaziland); futsi i-Identity, luphiko lweTruworths Botswana (Pty) Limited: Ino. yekubhalisa CO2007/5848 (uma ngabe I-akhawunti yami ivulwe eBotswana)
No. 1 Mostert Street, Cape Town, South Africa (lapha lebitwa ngekutsi “yi-Identity”)
IMIGOMO NEMIBANDZELA YAKA-IDENTITY YEKUFAKA SICELO, NEKUNIKWA SIKWELETI, NEKUTSENGISA
1. Sivumelwane Sesikweleti
1.1. Ngiyavisisa kutsi Sivumelwane seSikweleti, mayelana neSikweleti lesiJikeletako (“Sikweleti” sami), siphetsiwe emkhatsini wami ne-Identity.
1.2. Sivumelwane seSikweleti sami ne-Identity sicuketfwe kuLifomu Lekufaka Sicelo se-Akhawunti
(uma ngabe lelo fomu lagcwaliswa labuye lasayinwa ngimi) (“Sicelo”) kanye/noma Sitatimende Lesendvulela Sivumelwane neKhotheshini (“Ikhotheshini”) uma ngabe kunjalo futsi/kanye nencwadzi lesayinwe yi-Identity lengitjela kutsi ngisinikiwe Sikweleti, kanye nemigomo nemibandzela lebhalwe kuledokhumenti nanoma ngutiphi letinye tichibelo kuSivumelwane seSikweleti sami lesibhalwe phasi ngaphindze futsi nami ngasivuma.
1.3. Ngiyavisisa kutsi imigomo nemibandzela lephatselene neSivumelwane Sesikweleti sami kanye nekutsengiswa kwetimphahla yi-Identity ngaso sonkhe sikhatsi kutawuya ngemibandzela yeMtsetfo waVelonkhe weTikweleti No. 34 wanga-2005 (“Umtsetfo waVelonkhe weTikweleti”) neMtsetfo Wekuvikela Batsengi we-68 wanga-2008 (“Umtsetfo Wekuvikela Batsengi”), uma ngabe uyasebenta, nanoma ngumuphi futsi lomunye umtsetfo losebentako, futsi esehlakalweni lapho khona kuba nekungcubutana emkhatsini wanoma ngumuphi kutawusebenta lemigomo nemibandzela.
2. Umkhawulo weSikweleti, Umkhawulo we-Akhawunti neKukhushulwa
2.1. Umkhawulo weSikweleti
Sikweleti sami (“I-akhawunti” yami) itawunikwa umkhawulo wesikweleti lomkhulu (“Umkhawulo weSikweleti”) njengobe uncunywe yi-Identity, ngekuhambisana nalokufunwa nguMtsetfo waVelonkhe weTikweleti eNingizimu Afrika, kanye netinjongo letifanele temtsetfo losebentako kulamanye emave. Lomkhawulo weSikweleti utawuya ngemali yami lengenako ngemuva sekudvoswe tonkhe tindleko telikhaya lami tangenyanga emalini yami lengena ngenyanga (“Kukhona kukhokhela sikweleti”), lengitawuyinika i-Identity ngesikhatsi ihlola kutsi ngitawukhona yini kukhokhela sikweleti sami. Ngiyavisisa kutsi i-Identity ngekubona kwayo ingawukhuphula kwesikhashana Umkhawulo weSikweleti sami ngekuya kwesicelo sami kwentela kutsi kube nemali yetintfo letitsite letingenta kutsi ngece Umkhawulo weSikweleti sami. Ngiyavisisa kutsi Umkhawulo weSikweleti lokhona ngembi kwekukhuliswa kwesikhashana utawuphindze futsi usebente uma ngabe ibhalansi lengiyikweletako ku-Akhawunti yami ingaphasi kweMkhawulo. I-Identity ingawukhuphula Umkhawulo weSikweleti se-Akhawunti yami ngekuvuma kwami noma uma ngicela, kepha loko kwenteka ngemuva kwekubuka tidzingo teMtsetfo waVelonkhe weTikweleti, losebentako. Ngetulu kwaloko, Umkhawulo weSikweleti sami ungavele nje ukhushulwe njalo ngemnyaka, kuphela nje uma ngabe ngivumile kutsi ubovele nje ukhushulwe. Ngiyavisisa kutsi ngifanele kutsi ngatise i-Identity uma ngabe lizinga leKukhona kwami kukhokha sikweleti liyehla (liba libi) ngemuva kwekuhlolwa kwami kuKhona Kukhokhela Sikweleti kwasekucaleni ngesikhatsi kuncunywa Umkhawulo weSikweleti sami.
2.2. Umkhawulo we-Akhawunti
Ngiyavisisa kutsi i-Identity ngekubona kwayo ingangentela Umkhawulo we-Akhawunti (“Umkhawulo we-Akhawunti”) ube wemali lencane kuneMkhawulo weSikweleti lenginikwe wona njengoba kubekiwe endzimeni ye-2.1 ngetulu. Lomkhawulo we-Akhawunti utawentiwa kutsi ngiwutfole, futsi ukhushulwe uphindze futsi wehliswe ngetikhatsi letitsite ngekubona kwe-Identity nangekuya ngendlela lengiphetse ngayo i-Akhawunti yami. Ngiyavisisa kutsi i-Identity ngekubona kwayo ingawukhuphula kwesikhashana Umkhawulo we-Akhawunti yami ngekuya kwesicelo sami kwentela kutsi kube nemali yetintfo letitsite letingenta kutsi ngece Umkhawulo we-Akhawunti. Ngiyavisisa kutsi Umkhawulo we-Akhawunti lokhona ngembi kwekukhuliswa kwesikhashana utawuphindze futsi usebente uma ngabe ibhalansi lengiyikweletako ku-Akhawunti yami ingaphasi kweMkhawulo.
3. Likhadi neTinhlelo teKukhokha
I-Identity itangitfumelela likhadi lekukhokha (“Likhadi” lami) lengitawuba nesibopho sekuligcina. Uma ngabe Likhadi lami lintjontjiwe, ngitawatisa sitolo sami sendzawo saka-Identity masinyane noma ngishayele Lucingo lweKusita Emakhasimende ku: +27 (0)21 460 2300 +27 (0)21 460 2300. Ngingalisebentisa Likhadi lami ngitsenge timphahla letiseluhlelweni/letisetinhlelweni tekukhokha letehlukene letikhona eveni lapho I-akhawunti yami yavulwa khona futsi lefanele leyo mphahla njengekuncuma kwe-Identity ngekubona kwayo ngesikhatsi ngitsenga.
4. Intalo
4.1. Silinganiso Lesivunyiwe
Kute kube ngulapho silingasinontalo sentiwe sehlukahlukana ngalendlela lechazwe ngentasi, kutawukhokhiswa intalo kuto tonkhe tinhlelo tekukhokha letinentalo lengitisebentisa ngesilinganiso lesichazwe kuKhotheshini, noma kuma-akhawunti lavulwe ngembi kwamhla lulunye (1) Inhlaba 2007, ngesilinganiso lesisebenta kulawo ma-akhawunti (“Silinganiso Lesivunyiwe”). Silinganiso Lesivunyiwe angeke sibe ngetulu kwesilinganisontalo lesincuma letinye tilinganisontalo lesifanele njengoba kuchaziwe ngentasi.
4.2. Silinganisontalo Lesincumako
Ngiyavisisa kutsi uma ngabe ngivule I-akhawunti yami eNingizimu Afrika, i-Identity ikhetse Silinganisontalo Lesikhulu lesincunywe nguMtsetfo waVelonkhe weTikweleti, noma Umtsetfo weKubolekisa ngeMali ngeSilinganisontalo lesikhulu esehlakalweni sema-akhawunti lavulwe ngembi kwamhla lulunye (1) Inhlaba 2007, njengesilinganisontalo lesincumako (silinganisontalo lesincuma letinye tilinganisontalo) senjongo yekuncuma Silinganiso Lesivunyiwe lesisebenta ku-Akhawunti yami. Ngiyavisisa kutsi uma ngabe I-akhawunti yami ngiyivule ngaphandle kweNingizimu Afrika silinganisontalo lesincumako sitawuba silinganiso lesikhulu lesincunywe ngumtsetfo lofanele kulelo live lapho I-akhawunti yami ivulelwe khona
4.3. Luntjintjo kuSilinganiso Lesivunyiwe
Ngiyavisisa kutsi I-akhawunti yami inesilinganisontalo lesintjintjantjintjako, lokusho kutsi Silinganisontalo leSivunyiwe sitawuntintjantjintja ngetikhatsi letitsite ngekuhambisana ngco netingucuko letenteka kusilinganisontalo lesincumako lesifanele. Silinganiso leSivunyiwe lesisebenta kutinhlelo te-Akhawunti yami sitawuntjintjantjintja ngetikhatsi letitsite ngekuhambisana ngco netingucuko letifanele kuletilinganiso letincumako. Kungakapheli emalanga lange-30 ekusebenta alolo luntjintjo, i-Identity itawungatisa ngekungibhalela phasi ngalokuntjintjantjintja, lokutawentiwa ngebudlelwane lobumile ekuntjintjeni kwesilinganisontalo lesincumako lesifanele.
4.4. Sephulelo noma Silinganisontalo Lesingakhokhiswa
Ngiyavisisa kutsi Silingansintalo Lesivunyiwe ngekubona kwe-Identity singanikwa sephulelo sibe silinganisontalo lesincane noma futsi singakhokhwa mbamba eluhlelweni lwekukhokha ngenyanga yesitfupha (6) noma yelishumi nakubili (12) naletinye tinhlelo tekukhokha uma ngabe nginikwe loku ngekubona kwe-Identity.
4.5. Kuvimbela Kukhokha Intalo kuMa-akhawunti Lasalele Emuva
Ngiyavisisa kutsi intalo ye-Akhawunti yami ibalwa onkhe malanga ngetikhatsi letitsite nekutsi futsi ngingayinciphisa imali yentalo lekhokhiswa i-Akhawunti yami ngekutsi ngikhokhe imali lephelele ngelusuku lwekukhokha lolufanele njengoba lubekiwe kuSitatimende senyanga se-Akhawunti yami. Ngiyavisisa futsi kutsi uma ngabe angiyikhokhi lemali lekufanele kutsi ngiyikhokhe ngelilanga lekukhokha, I-akhawunti yami itawukhokhiswa intalo lenyenti ngoba itawube ibalwa onkhe malanga ngelizinga lelisemkhatsini kubhalansi lengiyikweletako letawube ingakanciphi ngobe ngitawube ngingakakhokhi imali lebekufanele kutsi ngiyikhokhe ngelusuku lwekukhokha lolufanele.
4.6. Kukhokhiswa Intalo
I-akhawunti yami ingakhokhiswa intalo ngalendlela lelandzelako:
4.6.1. Ngiyavisia kutsi uma ngikhokhela i-Identity ibhalansi lengiyikwelatako (ngalamanye emagama yonkhe ibhalansi lesele lengiyikweletako) ngelusuku lwekukhokha noma ngembi kwekukhokha kwekucala njengoba kukhonjisiwe kusitatimende sami sangenyanga, kute intalo lengitawukhokhiswa yona.
4.6.2. Ngiyavisisa futsi kutsi uma ngingakhokhi lemali lekufanele kutsi ngiyikhokhe, noma ngikhokhe lencane kunaleyo lefanele kutsi ngiyikhokhele i-Identity ngelusuku lwekukhokha, ngitawukhokhiswa intalo emkhatsini wetinsuku tesitatimende lesendlulile nesitatimende senyanga samanje ngendlela lechazwe endzimeni 4.6.4 ngaphasi ngekungakhokhiswa ngetulu kweSilinganisontalo Lesikhulu lesincunywe ngekuya kwendzima 4.6.5 ngaphasi, futsi ngingahlawuliswa letinye tinhlawulo temtsetfo letengetiwe.
4.6.3. Ngiyavisisa futsi kutsi uma ngabe ngikhokha kuphela imali lefanele kutsi ikhokhwe (kk. sitolimenti senyanga) ka-Identity, ngitawukhokhiswa intalo lesemkhatsini welusuku lwesitatimende senyanga leyengcile nelusuku lwesitatimende senyanga samanje ngendlela lechazwe endzimeni 4.6.4 ngaphasi ngeSilinganiso Lesivunyiwe lesishiwo endzimeni 4.1 ngetulu
4.6.4. Intalo ibalwa onkhe malanga kalula kusetjentiswa lefomula lelandzelako: ibhalansi lekwelwetwa ku-Akhawunti yehlukaniswe ngelinani lemalanga emnyaka, bese kuphindvwaphindvwa ngesilinganisontalo lesifanele ngekuhambisana neSivumelwane sami seSikweleti, kute kutfolakale intalo lekweletwako ngelilanga. Intalo yemalanga onkhe lencunyiwe yentiwa ibe yelizinga lelisemkhatsini wesikhatsi lesisemkhatsini wemalanga esitatimende senyanga sekugcina nesamanje bese kwengetwa kubhalansi lekweletwako ku-Akhawunti ngelilanga lesitatimende senyanga samanje.
4.6.5. Umtsetfo waVelonkhe weTikweleti ubeka kutsi Silinganisontalo leSikhulu lesingakhokhiswa mayelana nesilinganisontalo selibhangengodla, sincunywa Libhangengodla laseNingizimu Afrika njalo ngetikhatsi letitsite.
5. Sitatimende, Kukhokha neKuphutsa
5.1. Titatimende
I-Identity itasitfumela ekhelini leliposi lelibhalwe kuKhotheshini noma kuSicelo, noma ekhelini lelisha njengoba ngitawube ngiyatisile i-Identity, sitatimende senyanga se-akhawunti emkhatsini walolunye lwatiso sikhombisa ibhalansi lekweletwako ngelusuku lwesitatimende, sitolimenti senyanga, imali yentalo, imali lefanele kutsi ikhokhwe kanye nelusuku lekufanele kutsi kukhokhwe ngalo. Ibhalansi lekwelwetwako ifaka ekhatsi imali lengatsenga ngayo nge-Akhawunti yami njengoba ikhonjisiwe kuma-inivoyisi lengawanikwa ngesikhatsi ngitsenga, kanye nanoma nguyiphi lenye intalo levumelekile futsi levunyiwe, timali tekuvula sikweleti, timali tesevisi, imali lekhokhelwa umshwalensi njalo ngenyanga, tindleko tekulawula tekuphutselwa netindleko tekugcogca imali lengingahlawuliswa tona ku-Akhawunti yami kususwe imali lengiyikhokhile noma emakhredithi lendluliselwa ku-Akhawunti yami. Imali lefanele kutsi ikhokhwe sitolimenti senyanga (lesincunywa ngekuya kweluhlelo/tinhlelo tekukhokha te-Akhawunti yami) kanye netimali letisalele emuva kanye nentalo netimali letivumelekile letihlawulwako.
5.2. Kukhokha
5.2.1. Ngiyavuma kutsi I-akhawunti yami ngingayikhokhela kuphela kulelo live I-akhawunti yami leyavulwa kulo. Ngiyavuma kukhokhela i-Identity imali lengekho ngaphasi kwaleyo lefanele kutsi ngiyikhokhe njalo ngenyanga, ngaphandle kwekudvonsa, ngelilanga lekukhokha noma ngembi kwelilanga lekukhokha futsi ngiyacinisekisa kutsi angeke ngibe nelilungelo lekubeka umbandzela ekukhokheleni kwami i-Identity. I-Identity itawukhreditha konkhe kukhokhela I-akhawunti yami ngelusuku letawutfola ngalo imali yami lengiyikhokhile ngalendlela lelandzelako: kwekucala kwenetisa nanoma ngutiphi tinhlawulo lekufanele kutsi ngitihlawule noma timali letingakakhokhwa, tindleko noma tinhlawulo futsi kwesitsatfu kwehlisa imali yesikweleti lesikhulu.
5.2.2. Ngitawukhetsa, uma ngabe ngine-akhawunti ye-savings, ye-transmission noma yelisheke, kutsi ngifake sicelo sekukhokha ngedebhithi-oda ngikhokhele imali ye-Identity lefanele kukhokhwa njalo ngenyanga. Idebhithi-oda itawusho kutsi imali ifanele kutsi indvonswe nganoma nguluphi lusuku lwenyanga lolutawube lukhetfwe ngimi.
I-Identity inelilungelo lekuphindze futsi yetfule idebhithi-oda yekukhokha ebhange lami ngisho nangemalanga langakashiwo ngimi kudebithi-oda kute kube sikhatsi lapho sekuhlangabetenwe netibopho tami.
5.3. Kuphutsa neKuphelisa
5.3.1. Ngiyavuma kutsi ngitawuba sephutseni ngaphasi kwalesivumelwane uma ngabe:
5.3.1.1. Ngiyehluleka kukhokha lokungenani-90% wemali lefanele kutsi ngiyikhokhe ngelilanga lekukhokha.
5.3.1.2. I-akhawunti yami ngemuva kwaloko itawusalela emuva ngalokungetulu kwemalanga lange-30 lalandzelanako latawenteka ngaphandle uma ngabe ngikhokha lokungenani-90% wemali lefanele kutsi ngiyikhokhe ngelusulu lwekukhokha lolulandzelako.
5.3.2. Uma ngabe ngiyehluleka kuhambisana nemibandzela yalesivumelwane noma uma ngabe imphahla yami iyadliwa uma ngishona noma uma ngabe ngisephutseni letibopho tami ka-Identity njengoba kuchaziwe endzimeni 5.3.1 ngetulu, manje-ke:
5.3.2.1. Tonkhe timali lengitikweleta i-Identity tiba tamasinyane futsi tifuna kukhokhelwa.
5.3.2.2. I-Identity ingayimisa Imaliboleko yami.
5.3.2.3. I-Identity ingawunciphisa Umkhawulo weSikweleti sami kanye/noma Umkhawulo we-Akhawunti yami ngaphandle kwekungatisa.
5.3.3. I-Identity ingaphindze futsi, ngesatiso semalanga ekusebenta lange-20, ivale Sikweleti sami futsi ngekuya kwemibandzela lefanele yeMtsetfo waVelonkhe weTikweleti, uma ngabe kufanele, ingafuna kukhokhelwa masinyane ibhalansi lekwelwetwako ku-Akhawunti yami.
6. Kutsenga Bomakhalekhikhini
6.1. Makhalekhikhini naloko lokuhambisana namakhalekhikhini ku-Akhawunti yami yaka-Identity kutawuvumeleka kuphela ngemuva kwetinyanga letisitfupha (6) kusukela ngelilanga lekuvulwa kwe-akhawunti futsi kuphela uma ngabe imphahla yaka-Identity itsengwe njalo nje ngale-akhawunti.
6.2. Esigabeni leivunywe ngumtsetfo, nakusenemali lekwelwetwako yamakhalekhikhini/yabomakhalekhikhini labatsengwe nge-akhawunti yaka-Identity, lomakhalekhikhini/labomakhalekhikhini ngekwemyalo we-Identity locondziswe kumtfulitinsita bangavalwa uma ngabe imali lefanele kutsi ikhokhwe ku-Akhawunti yami ayikakhokhwa ngelilanga lekukhokha lelifanele. Uma ngabe timali lengitikweletako sengitikhokhele ngalokuphelele lomakhalekhikhini/bomakhalekhikhini labatsengwa nge-Akhawunti yami yaka-Identity bangaphindze futsi bavulwe uma ngicela futsi loko kutawuya ngemali lekhokhelwa kutsi bavulwe lengingayikhokhiswa ngumtfulitinsita.
6.3. Bomakhalekhikhini batsengwa kuphela kuluhlelo lwekukhokha lwetinyanga letisitfupha (6) letikhokhiswa intalo.
6.4. Ngiyati kutsi bomakhalekhikhini netintfo tabomakhalekhikhini titawutsengiswa kuletinye titolo letitsite kuphela futsi nasemaveni latsite latawuncunywa yi-Identity ngekubona kwayo.
7. Kutsenga nge-Akhawunti yami lokungakagunyatwa
Ngiyavisisa kutsi lenye yetinzuzo tami lengifanele kuyitfola ngekukhokhela imali yesevisi yemnyaka yiNzuzo yeKuvikela Inkhohlakalo. LeNzuzo yeKuvikela Inkhohlakalo ingivikela ekutsengeni lokungakagunyatwa kanye/noma kutsenga ngekwenkhohlakalo nge-Akhawunti yami. Uma ngabe ngikubikile loko kutsenga, i-Identity angeke ingibeke licala ngaphandle uma ngabe isayini yami ikhona kule-inivoyisi noma lobunye bufakazi bekutsenga noma i-Identity itfola kutsi ngikugunyatile lokutsenga noma-ke kutsenge mine.
8. Umshwalensi Wekuvikela Ibhalansi Ye-Akhawunti
I-Identity ngekubona kwayo ingenta kutsi Umshwalensi weKuvikela Ibhalansi ye-Akhawunti ube yintfo lesibopho sekutsi ube ne-Akhawunti yaka-Identity. Esimeni lesinjalo ngingasebentisa lilungelo lami lekufaka yami ipholisi lefanana nalena esikhundleni sepholisi yaka-Identity yeMshwalensi weKuvikela Ibhalansi ye-Akhawunti, kuphela nje uma nginika i-Identity bufakazi lobuyenetisako bekutsi i-Identity ibhalwe kupholisi yami kutsi ngiyo lekhokhelwa umshwalensi.
Uma ngabe ngineMshwalensi weKuvikela Ibhalansi ye-Akhawunti yaka-Identity ngiyavuma kuboshwa yimibandzela nemigomo yalepholisi yemshwalensi lefanele letfolakala uma ngitsenga kanye nakuwebhusayithi yaka-Identity.
I-Identity itawudvonsa imali lekhokhwa njalo ngenyanga ku-Akhawunti yami yasebhange njalo ngenyanga ngekwemibandzela yeMshwalensi weKuvikela Ibhalansi ye-Akhawunti. Imininingwane yesiciniseko salowo mshwalensi nepholisi kutawutfunyelwa kimi nguSomshwalensi.
9. Lwatiso Lwami futsi Loluyimfihlo
9.1. Ngiyavuma kutsi i-Identity ingacela futsi itfole nanoma nguluphi lwatiso lwami loluyimfihlo nelwesikweleti semtsengi kunoma ngusiphi sikhungo setikweleti, kulenye irejista noma kumuntfu wesitsatfu nganoma ngunini, kufaka ekhatsi kucela linani lelimaki lesikhungo setikweleti nekucinisekisa kutsi lokuvuma kuphindze futsi kufake ekhatsi lwatiso lolunjalo lesevele i-Identity ilutfolile. I-Identity ingabelana ngalolwatiso lwami loluyimfihlo nelwekukweleta kwemtsengi (kufaka ekhatsi lwatiso lolumayelana nekungahambisani netibopho tami ngaphasi kweSivumelwane) kanye nelwatiso lolumayelana ne-Akhawunti yami, kufaka ekhatsi Sicelo sami, kuvula nekuvala I-akhawunti yami, nanoma ngumuphi lomunye umbolekisimali nesikhungo setikweleti, yentele, emkhatsini waletinye tintfo, inhloso yaleso sikhungo setikweleti yekwabelana ngalolwatiso nalabanye labangaba babolekisimali kanye nesikhungo setikweleti. Ngiyavisisa kutsi sikhungo setikweleti sinika babolekisimali iphrofayili, kanye futsi nelimaki mayelana nesimo sami setikweleti, lokumiselwe kulwatiso i-Identity leyabelana ngalo kusikhungo setikweleti.
9.2. Ngiyavisisa kutsi lwatiso lwami loluyimfihlo nelwesikweleti semtsengi lungasetjentiswa yi-Identity mayelana netinhloso tekutsengisa nekwesekela imisebenti lebalulekile kanye namayelana netimo letiyingoti nekuhlatiya nekuniketa limaki kanye netinhloso letivamile temisebenti ye-Identity.
10. Tikhungo teTikweleti
10.1. I-Identity ingaludzalula lwatiso lwami loluyimfihlo nelwetikweleti temtsengi njengoba kubekiwe ngetulu, kutikhungo tetikweleti, kufaka ekhatsi naku lokulandzelako:
10.1.1. Compuscan
Lucingo: +27 (0)21 888 6000 +27 (0)21 888 6000
Ifeksi: +27 (0)21 883 2336
Likheli Lencwadzigezi: info@compuscan.co.za
Likheli Lendzawo: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
Likheli Leliposi: PO Box 1028, Stellenbosch, 7599, South Africa
10.1.2. Experian
Lucingo: +27 (0)11 799 3400 +27 (0)11 799 3400 noma 086 110 5665
Ifeksi: +27 (0)11 707 6700/6786
Likheli Lencwadzigezi: info@experian.co.za noma morpheus@experian.co.za
Likheli Lendzawo: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
Likheli Leliposi: PO Box 98183, Sloan Park, 2152, South Africa
10.1.3. TransUnion
Lucingo: 0861 482 482
Ifeksi: +27 (0)11 388 2454
Likheli Lencwadzigezi: creditbureau@transunion.co.za
Likheli Lendzawo: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
Likheli Leliposi: PO Box 4522, Johannesburg, 2000, South Africa
10.1.4. XDS
Lucingo: +27 (0)11 645 9100 +27 (0)11 645 9100
Ifeksi: +27 (0)11 484 6588
Likheli Lencwadzigezi: info@xds.co.za
Likheli endzawo: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
Likheli Leliposi: PO Box 30987, Braamfontein, 2017, South Africa
10.1.5. Lucingo Lweluphiko LwaseNingizimu Afrika Lwekusita Kuvikela
Inkhohlakalo: 0860 101 248
Lucingo: +27 (0)11 867 2234 +27 (0)11 867 2234
Ifeksi: +27 (0)11 867 2315
Likheli Lencwadzigezi: safps@safps.org.za
Likheli Lendzawo: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
Likheli Leliposi: PO Box 2629, Alberton, 1450, South Africa
kanye nakuletinyetikhungo etikweleti i-Identity lengatsintsana nayo ngetikhatsi letitsite.
10.2. Ngiyavisisa kutsi kungenteka kutsi ngalesinye sikhatsi ngitsintse nanoma ngusiphi sikhungo setikweleti ngicele kutsi nginikwe lwatiso lwami lwetikweleti temtsengi. Ngingaphindze futsi ngiphikisane nanoma nguluphi lwatiso lolugcinwe kusikhungo setikweleti lengingavumelani nalo.
10.3. I-Identity ingaphindze futsi inike tinkampani lesebentisana nato noma ema-ejenti nanoma nguliphi lelinye licembu lelikhatsatekako ngekuvinjwa nekuvikelwa kwebugebengu lwatiso lwami loluyimfihlo nelwetikweleti temtsengi kanye nemaphethini ekutsenga
10.4. Ngiyavisisa kutsi ngekwemibandzela yemtsetfo waseNingizimu Afrika wekwendlulisa imali ngetindlela letingafanele, i-Identity inemsebenti wekubika emathranzekshini lasolekako noma langakavami lafaka ekhatsi tento letingekho emtsetfweni ngekuhambisana netibopho letibekelwe ibhizinisi mayelana naloku.
11. Kubuyiselwa Emuva Imphahla
11.1. Kubuyisela Emuva Imphahla neKuntjintjisa
I-Identity itangivumela kubuyisela emuva noma kuntjintjisa imphahla kungakapheli emalanga lange-30 kusukela ngelilanga lengayitsenga ngalo kuphela nje uma ngabe:
11.1.1. I-inivoyisi noma irisidi yesipho lenguyona yona iniketwa njengebufakazi uma ngibuyisa imphahla.
11.1.2. Sikhona sigcebhezana lesibhalwe imali lengatsenga ngayo lemphahla.
11.1.3. Lemphahla ayikadzabuki kantsi futsi ayikasetjentiswa.
11.1.4. Lemphahla isesimeni sayo lesifanele futsi igcetjwe kahle.
11.1.5. Tintfo letitsengisiwe letihamba netipho tephromoshini tibuyiswa kanye naletipho.
11.1.6. Lemphahla ibuyiselwa eveni leyatsengwa kulo.
11.2. Kubuyiselwa imali
I-Identity itakuvuma kubuyiselwa imali lephelele ngendlela lenguyonayona yethenda noma yente ikhredithi ku-Akhawunti yaka-Identity kuphela nje uma ngabe:
11.2.1. Kuhlangabetanwe nato tonkhe tindlela letikusigaba se-11.1.
11.2.2. Umnikati wekhredithikhadi nalamanye emakhadi lafanele akhona kute ubuyiselwe imali kukhredithikhadi.
11.2.3. Angeke ubuyiselwe imali esehlakalweni lapho khona kuletfwa irisidi yesipho ngaphandle uma ngabe kuletfwa ne-inivoyisi lenguyonayona ngaso leso sikhatsi.
11.3. Nanoma kunjalo, kwengeta ekwenetiseni timo tetigaba se-11.1 nese-11.2, ngiyacaphela kutsi:
11.3.1. Ijuwelali, emawashi (lokute siciniseko) netibuko telilanga kufanele kutsi kubuyiselwe esitolo lesinelitiko lejuwelali kungakapheli emalanga la-14.
11.3.2. Imphahla yekubhukusha ifanele kutsi ibuye nesiceshana sekuyivikela.
11.3.3. Bomakhalekhikhini bafanele kutsi babuyiselwe esitolo lesinekhawunta yabomakhalekhikhini futsi baya ngeNchubomgomo yaka-MTN yeKubuyisa Bomakhalekhikhini.
11.3.4. Konkhe kwekutimonyonga nemakha kufanele kutsi kubuyiselwe esitolo lesinelitiko lekwekutimonyonga lelitsengisa lolo luhlobo.
11.4. Lokungabuyiselwa emuva esitolo
Akukavumeleki kubuyisela emuva esitolo imicaliselo, emakhadi etipho, i-airtime yamakhalekhikhini lekhokhelwa phambilini noma ijuwelali lefakwa emtimbeni lapho kubhojoswe imbobo khona (kufaka ekhatsi emacici).
11.5. Imphahla leneLiphutsa
Imphahla leneliphutsa lasefekthri itawukhredithwa noma intjintjiswe nalenye:
11.5.1. Imphahla lenjalo ibuyiselwa ka-Identity kungakapheli tinyanga letisitfupha (6) ngemuva kwekuyitfola.
11.5.2. Kungaletfwa bufakazi bekutsenga.
11.5.3. Lemphahla ibuyiselwa eveni leyatsengwa kulo.
11.5.4. Imphahla isetjentiselwe loko beyifunelwa kona.
11.5.5. Lemphahla ifanele kutsi beyinakekelwa ngekuya kwemiyalo yelebuli yekuwashwa/kunakekelwa.
Mayelana neNchubomgomo yeKubuyiselwa ngalokuphelele ucelwa kutsi uvakashele: www.identity.co.za
12. Timali neTindleko te-Akhawunti
12.1. Ngiyavisisa kutsi i-Identity itangihlawulisa imali yesevisi yemnyaka yetindleko tenchubomvama yekulawula futsi loku kungeta kutsi ngibe neNzuzo yeKuvikela Inkhohlakalo. Lemali lekhokhwa ngesikhatsi lesifanele itawushiwo kuKhotheshini kanye/noma-ke ngitawatiswa ngayo ngekutsi kubhalwe phasi. Lemali ayibuyiselwa emuva futsi itawufakwa ku-Akhawunti yami kanye ngemnyaka uma igcogcelekela ka-Identity ngalokuphelele. Ngekubona kwe-Identity imali yesevisi yemnyaka ingakhuliswa ngetikhatsi letitsite kuphela nje uma ngabe angeke yendlule lizinga lelikhulu lelincunywe nguMtsetfo waVelonkhe weTikweleti, uma kusebenta. Imali yesevisi yemnyaka kungatsi ngetikhatsi letitsite ingete yakhokhwa ngekubona kwe-Identity.
12.2. I-Identity inelilungelo lekungikhokhisa imali yekuvula sikweleti uma sengivule I-akhawunti (imali letawushiwo kuKhotheshini futsi ngingayikhokha embili kunekutsi ifakwe kubhalansi yami lengiyikweletako).
12.3. I-Identity inelilungelo lekungihlawulisa:
12.3.1. Inhlawulo yekuphutselwa yekulawula uma ngabe I-akhawunti yami isalele emuva noma uma ngingasigcini lesivumelwane, kanye nanoma ngutiphi tindleko i-Identity lengangena kuto mayihambela imali yayo ngaphansi kwalesivumelwane kufaka ekhatsi tinhlawulo temtsetfo letingeke tibe ngetulu kwaleto letivunyelwe nguMtsetfo weBameli, Umtsetfo weNkantolo Lephakeme, Umtsetfo weNkantolo yaMantji kanye neMtsetfo weKugcogcwa Kwetikweleti, uma ngabe uyasebenta. Letimali, tinhlawulo kanye netindleko angeke tibe ngetulu kwaleto letivunywe nguMtsetfo waVelonkhe weTikweleti, uma tikhona.
12.3.2. Tonkhe tindleko letiphatselene nekwendluliselwa kwe-Akhawunti yami ku-ejensi legcogca tikweleti kutsi igcogce timali letikweletwako.
12.4. Imali yesevisi yethranzekshini ingakhokhiswa yi-Identity bese ifakwa ku-Akhawunti yami kwentelwe emasheke lakhokhwe ngimi abese abuyiselwa emuva libhange nganoma kutiphi tizatfu noma emadebhithi-oda langakandluliswa libhange ngenca yekungabi khona kwetimali.
13. Imibandzela Lehlukahlukene
13.1. Ngikhetsa likheli lami lalapho ngihlala khona njengobe kubekiwe kuKhotheshini noma kuSicelo sami (noma lelinye likheli lelehlukile njengobe ngishito kumibandzela yendzima 13.2) kutsi ngiletselwe kuyo emadokhumenti ami etemtsetfo. Mayelana naleSivumelwane nawo onkhe lamanye emathranzekshini aka-Identity, kusebenta Umtsetfo waseNingizimu Afrika.
13.2. Ngitawatisa i-Identity masinyane uma kubakhona tingucuko kumininingwane yami yekutsintsana kufaka ekhatsi kepha kungapheleli ekhelini lami lebhizinisi, leliposi noma lendzawo yekuhlala, ekhaya lami, emsebentini, noma tinombolo tamakhalekhikhini wami, kanye nelikheli lencwadzigezi.
13.3. Uma ngabe bengikadze ngine-Akhawunti yaka-Identity ngabese ngiyayivala kungakapheli iminyaka lemitsatfu (3) ngifake sicelo se-Akhawunti yaka-Identity lensha, i-Identity inelilungelo lekugodla noma ngabe ngutiphi tintfo tekuphromotha letichumene nale-Akhawunti lensha.
13.4. Uma ngabe ngishade ngemshado wekuhlanganisela imphahla ngiyacinisekisa kutsi ngiyitfolile imvume endvodzeni/emfatini wami yekutsi ngivule I-akhawunti nekwemukela kukhushulwa kweMkhawulo weSikweleti kanye/noma Umkhawulo we-Akhawunti lofanele I-akhawunti yami.
13.5. I-Identity kanye nanoma ngumaphi lamanye ema-ejenti ayo lagunyatiwe atawulandzelela aphindze/noma arekhode inkhulumo yami yelucingo noma yamakhalekhikhini lengiyibamba nanoma ngumuphi lomunye wetisebenti ngetinhloso tekucecesha, kugcogca imali noma kwekutsatsisela esikhatsini lesitako.
13.6. Nanoma nguyiphi imininingwane yami i-Identity levumelekile kuyitfola ngekwemibandzela yalesivumelwane lunganikwa labanye labafuna kutsenga noma yendluliselwe kunoma nguliphi lelinye licembu uma ngabe i-Identity kwenteka itsengisela lelo cembu ibhizinisi yayo noma uma ngabe lelo licembu litfola kulawula i-Identity.
13.7. Nanoma ngumuphi umkhawulo noma kutitika lengikunikwa yi-Identity angeke kutsatfwe ngekutsi kukuyekelwa kwemalugelo e-Identity ngekwemibandzela yaleSivumelwane seSikweleti.
14. Tincabano Mayelana ne-Akhawunti neTikhalo
14.1. Ngingenta, nganoma ngunini, kutsi ngindlulise sikhalo mayelana neSivumelwane ngisendlulisele kulenye i-ejenti yekusombulula tincabano, enkantolo yebatsengi noma ngendlulisele incabano mayelana neSivumelwane seSikweleti ku-Ombud yeTikweleti, Ikhomishini yaVelonkhe yeBatsengi noma Umlawuli waVelonkhe weTikweleti uma ngabe I-akhawunti yami yavulwa eNingizimu Afrika, noma kunoma ngumuphi lomunye umtimba noma umlawuli eveni lengavula kulo I-akhawunti yami.
I-Ombud yeTikweleti ingatsintfwa ku:
Lucingo: 0861 OMBUDS (0861 662837)
Ifeksi: 086 683 4644
Likheli Lencwadzigezi: ombud@creditombud.org.za
Likheli Lendzawo: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
Likheli Leliposi: PO Box 805, Pinegowrie, 2123, South Africa
Iwebhusayithi: www.creditombud.org.za
Umlawuliti waVelonkhe weTikweleti angatsintfwa ku:
Lucingo: +27 (0)11 554 2600 +27 (0)11 554 2600 noma 0860 627 627
Ifeksi: +27 (0)11 554 2771
Likheli Lencwadzigezi: info@ncr.org.za
Likheli lendzawo: 127 15th Road, Randjespark, Midrand, South Africa
Likheli Leliposi: PO Box 209, Halfway House 1685, South Africa
Khomishani waVelonkhe weBatsengi angatsintfwa ku:
Inombolo Yamahhala: 0860 266 786
Ifeksi: 0861 515 259
Likheli Lencwadzigezi: ncc@thedti.gov.za
Iwebhusayithi: www.nccsa.org.za
14.2. Uma ngabe nginembuto mayelana nebungibo besitatimende sami se-akhawunti senyanga noma incabano mayelana nemphahla lengiyitsengile noma lamanye emathranzekshini lakhonjisiwe kuso, ngitawatisa i-Identity kungakapheli emalanga lange-60 eelusuku lwaleso sitatimende lesitsite.
15. Kwelulekwa ngeSikweleti
Lendzima lena isebenta kuphela kuma-akhawunti lavulwe eNingizimu Afrika.
Ngiyacinisekisa kutsi ngalesikhatsi ngifaka sicelo se-Akhawunti yami yase-Identity simo sami setikweleti besingekho ngaphasi kwekuhlolwa noma kubuyeketwa ngumeluleki wetikweleti njengoba kuhlosiwe kusigaba se-86 seMtsetfo waVelonkhe weTikweleti. Ngiyavisisa kutsi ngalesinye sikhatsi ngingatsintsa umeluleki wetikweleti kutsi angisite ngekulawula tikweleti tami.
Inchubo lefanele kutsi ilandzelwe ngulena:
15.1. Kutsintsa noma ngabe ngumuphi umeluleki wetikweleti.
15.2. Kukhokha imali lencunyiwe bese ugcwalisa lifomu loliniketwa ngumeluleki wetikweleti.
15.3. Lomeluleki wetikweleti utawenta lubuyeketo lwetikweleti bese utsatsa sincumo mayela nekutsi kunikwa Sikweleti kwaba budlabha.
15.4. Uma ngabe bengingakanganywa tikweleti ngalesikhatsi kuphetfwa Sikweleti, umeluleki wetikweleti utawuyekela lenchubo yelubuyeketo futsi sibopho sami ne-Identity sitawuchubeka.
15.5. Uma ngabe bengenganywe tikweleti ngesikhatsi nginikwa leSikweleti, umeluleki wetikweleti utawenta sincomo bese wendlulisela loludzaba eNkantolo noma kuMkhandlu wetikweleti lofanele kute kutfolakale imvume yekutsi kumenyetelwe kutsi leso sikweleti saniketwa budlabha.
15.6. Uma ngabe angikenganywa tikweleti, kepha umeluleki wetikweleti ukholelwa ekutsini ngitawuba nebulukhuni ekwenetiseni sikweleti sami, umeluleki wetikweleti angabeka umbono wekutsi mine kanye ne-Identity sifanele kutsi sicabange sibuye sivumelane ngeluhlelo lwekukhokha lesikweleti.
16. Emacembu neBubanti beKusebenta kweSivumelwane
16.1. Ngiyavisisa kutsi:
16.1.1. Umnikisikweleti/umbolekisimali ngekwemibandzela yeSivumelwane seSikweleti:
16.1.1.1. uma ngabe I-akhawunti yami ngayivula eNingizimu Afrika (inombolo yekubhalisa 1940/013923/06) yeTruworths Limited, lengumtfulitinsita lobolekisa ngemali lobhaliswe ngaphansi kwalenombolo-NCRCP45;
16.1.1.2. uma ngabe I-akhawunti yami ngayivula eNamibia (inombolo yekubhalisa-492) yeTruworths (Namibia) Limited;
16.1.1.3. uma ngabe I-akhawunti yami ngayivula eSwaziland (inombolo yekubhalisa-108/1961) yeTruworths (Swaziland) Limited;
16.1.1.4. uma ngabe I-akhawunti yami ngayivula eBotswana (inombolo yekubhalisa-CO2007/5848) yeTruworths Botswana (Pty) Limited;
yase No. 1 Mostert Street, Cape Town, South Africa (lebitwa lapha kuledokhumenti ngekutsi “yi-Identity”).
16.1.2. Ngingumtsengi/umemukelisikweleti futsi emakheli ami angalendlela lengiwabhale ngayo kuKhotheshini noma kuSicelo sami noma lachitjelwe ngimi ekuhambeni kwesikhatsi ngesatiso lesibhalwe phasi lesiya ka-Identity.
16.1.3. Kute imali lengiyikhokhile, noma lekudzingeka kutsi ngiyikhokhe njengekukhokha kwekucala (kk. njengediphozithi) ngekwemibandzela yeSivumelwane seSikweleti.
16.1.4. LeSivuelwane seSikweleti siphatselene netimphahla tefashini nekwekutihlobisa, kufaka ekhatsi ijuwelali, kwekutimonyonga nemikhicito yabomakhalekhikhini kanye/noma ngumuphi lomunye umkhicito noma tinsita, letichazwe kuma-inivoyisi lenganikwa wona ngemuva kwekutsi ngitsenge etitolo taka-Identity kanye/noma kuwebhusayithi yaka-Identity.
16.2. Ngiyacinisekisa kutsi nginawo emandla emtsetfo kutsi ngingene kuSivumelwane.
17. Kukhokhela Sonkhe Sikweleti Ngembi Kwesikhatsi Lesibekiwe
Ngiyavisisa kutsi nganoma ngusiphi sikhatsi ngingasikhokhela sonkhe Sivumelwane seSikweleti saka-Identity ngekutsi ngikhokhele i-Identity ngembi kwesikhatsi lesibekiwe yonkhe imali lengiyikweletako lengitawube ngiyikweleta ngesikhatsi ngiyikhokha yonkhe. Imali yekukhokhela sonkhe sikweleti ifaka ekhatsi imali lengakakhokhwa yesikweleti lesikhulu (lekuyimali lekwelwetwako kepha lengafaki ekhatsi intalo naletinye tinhlawulo letikusitatimende sami) kanye nanoma nguyiphi intalo noma letinye tinhlawulo lesetigcogceke kwate kwayofika lusuku lwekukhokhela sonkhe sikweleti.
18. Umtsengi Uvala I-akhawunti
Ngiyavisisa kutsi nganoma ngusiphi sikhatsi ngingasincamula Sivumelwane seSikweleti sami saka-Identity ngekutsi ngikhokhele i-Identity yonkhe imali lengiyikweletako (njengoba kushiwo ngetulu) lengiyikweletako ku-Akhawunti yami ngelusuku lwekusincamula. Uma ngabe kute imali lengiyikweletako ngiyavisisa kutsi ngifanele kutsi ngatise i-Identity ngenhloso yami yekuncamula Sivumelwane seSikweleti.
19. Umtsengi Uncuma Umkhawulo weSikweleti kanye /noma Umkhawulo we-Akhawunti
Ngiyavisisa futsi kutsi ngingabhalela i-Identity nanoma ngunini satiso sekunciphisa Umkhawulo weSikweleti kanye/noma Umkhawulo we-Akhawunti lofanele Sikweleti sami, noma ngincume Umkhawulo weSikweleti kanye/noma Umkhawulo we-Akhawunti lengilungelekwemukelwa kuleSikweleti.
20. Kuchitjelwa kweSivumelwane
I-Identity ngekubhala satiso lokungenani semalanga ekusebenta lasihlanu (5) ingayichibela lemigomo nemibandzela kuphela nje uma ngabe leto tingucuko tinciphisa kukhokha kwami ngaphasi kweSivumelwane seSikweleti ne-Identity, kanye/noma ivele nje ikhuphule Umkhawulo weSikweleti lofanele Sikweleti sami kanye ngemnyaka uma ngabe ngikhetse kanjalo. Nanoma ngutiphi letinye tingucuko kuSivumelwane seSikweleti sami sitawentiwa ngekuvumelana bubili emkhatsini wami ne-Identity futsi titawubhalwa phasi.
21. Kuyekela Sivumelwane
I-Identity ingaba nelilungelo, ngaphandle kwekungatisa, lekwendlulisa nanoma nguliphi lemalungelo ayo bese yendlulisa nanoma ngutiphi tibopho tayo ngekwemibandzela yaleSivumelwane seSikweleti itendlulisele kumuntfu wesitsatfu.
22. Kudzalula Mayelana neTivumelwane Letaphetfwa Ngembi Kwamhla Lulunye (1) Inhlaba 2007
Uma ngabe Sivumelwane seSikweleti sami sentiwa ngembi kwamhla lulunye (1) Inhlaba 2007 kubhalwe kanjalo ngoba lesikweleti lenganikwa sona besiluhlobo lweMalimboleko lejikeletako, lolwatiso lolulandzelako alwatiwa kwamanje futsi angeke lutfolakale ngembi kwesikhatsi:
22.1. Intsengo yayo yonkhe imphahla lengitawutsengiselwa yona yi-Identity ngesikhatsi saleMalimboleko lejikeletako.
22.2. Imali yaletinye tinhlawulo lekukhulunywe ngato kuledokhumenti letawenta incenye yalebhalansi lengiyikweletako.
22.3. Incenye lefanele yebhalansi lengiyikweletako leyenta sikweleti lesikhulu.
22.4. Imali yentalo noma tinhlawulo temali letitawukhokhelwa incenye lefanele yebhalansi lengiyikweletako ngekwemibandzela yendzima ye-4 yaledokhumenti.
22.5. Silinganisontalo lengitawukhokhiswa sona. lesatiwa ngekutsi, silinganisontalo setimali temnyaka, ngekwendzima ye-4 yaledokhumenti yencenye lefanele yebhalansi lengiyikweletako.
22.6. Tinsuku, linani letinyanga nemanani emali yesitolimenti senyanga lapho khona ngitawube ngikhokha ibhalansi lengiyikweletako.
23. Luhlelo Lwekuklomelisa
Bonkhe banikati bema-akhawunti kanye nabo bonkhe bafakiticelo tema-akhawunti (loku lokushiwo ekugcineni kuya ngemigomo nemibandzela lechubekako kepha akunandzaba nekutsi sikweleti siyatfolakala noma cha) bavele nje bafanelwe kuhlanganyela kuLuhlelo Lwekuklonyeliswa lwaka-Identity.
24. Kwehluleka
Esehlakalweni lapho khona munye noma ngetulu yemibandzela lecuketfwe kuSivumelwane seSikweleti kuyenteka kutsi nganoma ngusiphi sizatfu itsatfwa ngekutsi ayisebenti, ayikho emtsetfweni noma ayiciniseki nganoma ngabe nguyiphi lenye indlela, njengekungalungi, kungabi semtsetfweni noma kungaciniseki angeke kutsintse leminye imigomo yaleSivumelwane seSikweleti, lokutawutsatfwa sengatsi ngumgomo longasebenti, longekho emtsetfweni noma longaciniseki longatange uphetfwe, futsi leSivumelwane seSikweleti sitawucala kusebenta ngekuya kwemibandzela nenhloso yaso yekucala.
25. Kudzalula ngekweMibandzela yeMtsetfo weKuvikela Batsengi
I-Identity isebenta eNingizimu Afrika njengemmeleli wenkampani yemshwalensi iHollard Life Assurance Company Limited and The Hollard Life Insurance Company Limited ekukhutsateni nasekunikaneni Umshwalensi weKuvikela Ibhalansi ye-Akhawunti kanye neMshwalensi waBomakhalekhikhini ngalokufanako. Lapha iniketa lwatiso lolwengetiwe lolungakaniketwa lapha ngetulu, njengoba kudzingwa sigaba se-27 seMtsetfo weKuvikela Batsengi kanye nemtsetfosimiso we-9 weMitsetfotimiso.
I-Identity ingatsintfwa ku:
Lucingo: +27 (0)21 460 2400 +27 (0)21 460 2400
Likheli Lekuposa: PO Box 4775, Cape Town, 8000, South Africa
Ifeksi: +27 (0)21 460 7277
Likheli Lencwadzigezi: services@identity.co.za
Sikhulu lesichumana nemmango saka-Identity ngu-Annalize Kirsten, noma loyo lomlandzelako ngekwesikhundla, lingatsintfwa ku: +27 (0)21 460 7911.
ID/TC/E/2/2018
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|IDENTITY LOYALTY PROGRAM
Identity Retailing (Pty) Ltd: Reg. no. 1965/001234/07 (if my Account is opened in South Africa); No. 1 Mostert Street, Cape Town, South Africa (hereafter referred to as “Identity”) The Identity Loyalty s Program (hereafter referred to as” LP”) Terms and Conditions (the “LP Terms”)
1. The LP is not a points-based program. The benefits are at Identity’s discretion and may include promotions, communications and other benefits. The nature, extent, applicability and frequency of these benefits will be determined by Identity and communicated to qualifying LP participants from time to time.
2. The LP may or may not operate using a card. This will be at the sole discretion of Identity. You will need to provide identification details (identity number or cell phone number) each time you transact in order to be eligible to receive benefits.
3. All current Identity account holders and all applicants for credit (the latter subject to the further terms and conditions herein but irrespective of whether or not credit is in fact granted) are automatically regarded as participants in the LP unless they elect not to by advising Identity accordingly.
4. All participants in the LP must be 18 years or older and resident in South Africa.
5. New participants can apply in store, via SMS, online or accept an offer to apply by providing the necessary information required to participate in the LP.
6. Activation of a new participant in the LP is on identification at the till, via SMS, or online.
7. In order to participate in the LP, you agree to be bound by the LP Terms. These LP Terms may vary from time to time and amendments will be updated and made available on the Identity website.
8. By agreeing to the LP Terms, you agree that Identity will own your personal information as provided to us, and will have the right to communicate with you using this information.
9. We may use your personal information and purchasing information in conjunction with information about you provided by third parties, for market and product analysis, and for the purpose of generating statistical reports for internal and external use. These reports will use personal information only in a way that you cannot be specifically identified.
10. We may use your personal information to conduct a credit bureau check for the purpose of potentially offering you an Identity account or an account for any other brand in the Identity group, if you do not already have one.
11. Certain benefits will only be sent to you by email, SMS or post. Be sure to provide us with your latest email, cell phone number and postal address to avoid missing out on such benefits. For those account holders who have opted out of receiving marketing material from Identity, please note that you may miss out on LP benefits.
12. If you have an Identity account we reserve the right to withhold/terminate any benefits as a consequence of your account being in arrears.
13. Please note that not all products on promotion in terms of the LP may be available in all stores and special offers may vary from store to store and change without notice.
14. Identity accepts no responsibility whatsoever for any benefit sent by email, SMS or post which is not received as a result of your providing us with an incorrect cell phone number, email or postal address or as a result of circumstances over which Identity has no control.
15. We may in our discretion withdraw, cease or amend any benefit offered in terms of the LP at any stage.
16. We reserve the right to terminate the LP at any stage without reason.
17. Where any secondary cards have been issued in relation to any Identity account, LP benefits will accrue to the primary account holder but can be accrued by the secondary account holder and used by the secondary account card holder.
18.For additional information or any queries, please phone 0861 433 684 or visit identity.co.za
| Identity Retailing (Pty) Ltd: Reg. no. 1965/001234/07
No. 1 Mostert Street, Cape Town, South Africa (hereafter referred to as "Identity")
LAYBY AGREEMENT TERMS AND CONDITIONS OF SALE AND PAYMENT
1. a. Identity Retailing (Pty) Limited (“Identity”) agrees to sell particular goods ("Layby Goods") to
you ("the Purchaser"), to accept payment from you for the Layby Goods by way of an initial deposit and monthly installments and to hold the Layby Goods until the purchase price for the Layby Goods has been paid; and
b. the Purchaser agrees that such arrangement is subject to the terms and conditions as set out
below ("Layby Agreement").
2. A minimum deposit of 10% (ten percent) of the purchase price of the Layby Goods is required when entering into this Layby Agreement. The Purchaser may pay a bigger deposit than 10%.
3. The Purchaser must then make a minimum of one payment per month, each of 30% of the purchase price, until the Layby Goods are paid for in full. The Purchaser is entitled to pay a higher percentage or more frequently.
4. The total period for the Layby is 90 days and payment of the purchase price in full is due on a date no later than 90 days from the date of first entering into the Layby Agreement (“Final Payment Date”).
5. All Layby Goods purchased in terms of a single Layby Agreement must be fully paid for by and collected on the Final Payment Date. No partial completion, payment or collection is permitted. The Layby Goods will not be released to the Purchaser until the purchase price payable under the Layby Agreement has been settled in full.
6. The minimum total purchase price of Layby Goods necessary to enter into a Layby Agreement is R250 (including VAT) and the maximum total purchase price is R2500 (including VAT).
7. At Identity’s discretion, certain merchandise, including but not limited to airtime, gift cards, fine jewellery and MAC brand products may not qualify for purchase as Layby Goods via a Layby Agreement.
8. If the Purchaser terminates the Layby Agreement before the Final Payment Date, Identity reserves the right to charge a cancellation penalty, the amount of which will be advised at the time of entering into the Layby Agreement and is subject to a regulatory maximum.
9. Identity will not charge a cancellation penalty if the Purchaser’s failure to complete the Layby Agreement is due to the Purchaser’s death or hospitalization and proof of such death or hospitalization will need to be provided before the penalty is waived.
10. Should the purchase price of the Layby Goods not be settled in full and/or the Layby Goods not be collected by the Final Payment Date, this Layby Agreement will automatically terminate. In this event, Identity reserves the right to place the Layby Goods back into stock for resale and to refund the Purchaser any payments made by the Purchaser to Identity, less any applicable penalty. No interest will apply. In such instance the Purchaser shall have no further recourse against Identity in relation to the Layby Goods or under the Layby Agreement generally.
11. Refunds of payments over R500 will take place by electronic funds transfer to the bank account of the Purchaser, unless otherwise agreed in Identity’s discretion, and upon presentation of the original Layby Initiation Docket, the Purchaser’s identity document and, where applicable, proof of banking details.
12. The Layby Goods will remain the property of Identity until such time that their purchase price is paid for in full and the Layby Goods are collected by the Purchaser.
13. The Purchaser must have the legally required capacity to enter into and be bound by these terms and conditions.
14. Identity will require proof of the Purchaser’s identity to initiate and complete the Layby Agreement and when the Layby Goods are collected.
15. The Layby Agreement is regulated in South Africa by the applicable provisions of the Consumer Protection Act (68 of 2008).
16. All Purchasers are automatically eligible to participate in the Identity Rewards Program.
17. The Purchaser agrees that Identity may request and receive any of their consumer credit information from any credit bureau, other register or any third party at any time, including requesting a bureau score and confirming that this consent also covers such information that has already been received by Identity. The Purchaser understands and agrees that their consumer credit information may be used by Identity for marketing and ancillary purposes and for risk and analytical evaluation and scoring and the general purposes of the Identity’s business.
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