Terms & Conditions

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YOUNG DESIGNERS EMPORIUM (PTY) LTD Reg. no 1956/003229/07
No. 1 Mostert Street, Cape Town, South Africa
(hereafter referred to as “YDE”)

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

  1. Credit Agreement
    1. I understand that a Credit Agreement, in respect of a revolving Credit Facility (my “Credit Facility”), has been concluded between myself and YDE.
    2. My Credit Agreement with YDE is constituted by the Account Application Form (if such form was completed and signed by me) (the “Application”) and/or the Pre-agreement Statement and Quotation (the “Quotation”) if applicable and/or the letter signed by YDE advising that a Credit Facility has been made available to me, as well as the terms and conditions set out in this document and any amendment to my Credit Agreement that has been recorded in writing and consented to by me.
    3. I understand that the terms and conditions applicable to my Credit Agreement and to sales of merchandise by YDE will at all times be subject to the provisions of the National Credit Act No. 34 of 2005 (the “National Credit Act”) and the Consumer Protection Act 68 of 2008 (the “Consumer Protection Act”), if applicable, and any other applicable legislation, and in the case of a conflict between any legislation and these terms and conditions the legislation will prevail.
  2. Credit Limit, Account Limit and Increases
    1. Credit Limit

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

    2. Account Limit

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

  3. Card and Payment Plans

    YDE will send me a charge card (my “Card”) which I will be responsible for. If my Card is lost or stolen, I will immediately inform my local YDE store or contact the Customer Services Helpline on +27 (0)21 460 2500. I may use my Card to purchase merchandise on the various payment plan(s) available in the country where my Account was opened and applicable to such merchandise as determined by YDE in its sole discretion at the time of purchase.

  4. Interest
    1. Agreed Rate

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

    2. Reference Rate

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

    3. Variation in Agreed Rate

      I understand that my Account has a variable interest rate, meaning that the Agreed Rates applicable to the payment plans on my Account will vary from time to time directly in accordance with changes in the applicable reference rate. Within 30 (thirty) business days of any such variation, YDE will inform me in writing, via my monthly statement of account or otherwise, of the variation, which shall be by fixed relationship to the change in the applicable reference rate. Please refer to the Maximum Interest rate charge in clause 4.6.3.2.

    4. Discounted or Waived Interest

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

    5. Preventing Interest on Arrear Accounts

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

    6. Charging and Waiving Interest

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

      1. Interest waived plans
        1. I understand that if I pay the balance owing on the Account (i.e. the account total) to YDE before the payment due date (as reflected on my monthly statement), no interest will be charged.
        2. I further understand that if I pay the amount due (i.e. the monthly instalment) to YDE before the payment due date, no interest will be charged for that month
        3. I further understand that should I not pay the amount due, or pay a lesser amount than the amount due to YDE by the payment due date, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at no more than the Maximum Interest Rate determined in accordance with clause 4.6.3.2 below, and I may be liable for additional statutory charges.
      2. Interest bearing plans
        1. I understand that if I pay the balance owing on the Account (i.e. the account total) to YDE before the payment due date (as reflected on my monthly statement), no interest will be charged.
        2. I further understand that should I only pay the amount due (i.e. the monthly instalment) to YDE, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at the Agreed Rate referred to in clause 4.1 above.
        3. I further understand that should I not pay the amount due, or pay a lesser amount than the amount due to YDE by the payment due date, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.3.1 below at no more than the Maximum Interest Rate determined in accordance with clause 4.6.3.2 below and I may be liable for additional statutory charges.
      3. Interest calculation
        1. Interest is calculated daily on a simple basis by using the following formula: the balance owing on the Account is divided by the number of days in the year, and multiplied by the applicable interest rate in accordance with my credit agreement, to determine the interest owing per day. The daily interest so determined is aggregated for the period between the dates of the previous and current monthly statements and added to the balance owing on the Account on the date of the current monthly statement.
        2. The National Credit Act stipulates the Maximum Interest Rate that may be charged in South Africa with reference to the repo rate, which is determined from time to time by the SA Reserve Bank.
  5. Statements, Payments and Default
    1. Statements

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

    2. Payments
      1. I agree that payments on my Account can only be made in the country in which my Account was opened. I agree to pay YDE no less than the payment due each month, without set-off or deduction, on or before the payment due date and I confirm that I will not be entitled to attach any condition to any payment made to YDE. YDE will credit each payment that I make on my Account as of the date of receipt of such payment as follows: firstly to satisfy any due or unpaid interest charges, secondly to satisfy any due or unpaid fees, costs or charges and thirdly to reduce the amount of the principal debt.
      2. I shall have the option, should I have a savings, transmission or cheque account, to apply for a debit order for payment of the amount due to YDE each month. The debit order shall state that payment is to be deducted any day of the month as chosen by me. YDE reserves the right to re-present the debit order for payment to my bank even on the days not stipulated by me in the debit order until such time as my obligations are met.
    3. Default and Termination
      1. I agree that I will be in default under this agreement if:
        1. I fail to pay at least 90% of the amount payable on due date.
        2. My Account thereafter remains in arrears for more than 30 (thirty) consecutive days which will occur unless I pay at least 90% of the amount due on the next payment date.
      2. If I fail to comply with the terms of this agreement or if my estate is sequestrated if I die or if I am in default of my obligations with YDE as defined in clause 5.3.1 above, then:
        1. All amounts owing by me to YDE may become immediately due and payable.
        2. YDE may suspend my Credit Facility.
        3. YDE may reduce my Credit Limit and/or Account Limit without notice to me.
      3. YDE may further, upon 20 (twenty) business days' notice, terminate my Credit Facility and subject to the relevant provisions of the National Credit Act, if applicable, may require immediate payment of the balance owing on my Account.
  6. Unauthorised Purchases on my Account

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

  7. Account Balance Protection Insurance

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

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

  8. Confidential and Personal Information
    1. I agree that YDE may request and receive any of my confidential and consumer credit information from any credit bureau, other register or any third party at any time, including requesting a bureau score and confirming that this consent also covers such information that has already been received by YDE. YDE may also share this confidential and consumer credit information (including information regarding non-compliance with my obligations under my Agreement) as well as any information regarding my Account, including my Application, opening and closing of my Account, with any other credit provider and credit bureau for, amongst other things, the purposes of such credit bureau sharing such information with other potential credit providers and credit bureau. I understand that the credit bureau provides to credit providers a profile, and possibly a score as to my creditworthiness, based on the information YDE shares with such bureau.
    2. I understand that my confidential and consumer credit information may be used by YDE for marketing and ancillary purposes and for risk and analytical evaluation and scoring and the general purposes of the YDE business. Please see our Privacy Policy for further information.
  9. Credit Bureaus
    1. YDE may disclose my confidential and consumer credit information as set out above, to the credit bureaus, including the following:
      1. Compuscan
        Tel: +27 (0)21 888 6000
        Fax: +27 (0)21 883 2336
        E-mail: [email protected]
        Physical Address: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
        Postal Address: PO Box 1028, Stellenbosch, 7599, South Africa
      2. Experian
        Tel: +27 (0)11 799 3400 or 086 110 5665
        Fax: +27 (0)11 707 6700/6786
        E-mail: [email protected] or [email protected]
        Physical Address: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
        Postal Address: PO Box 98183, Sloan Park, 2152, South Africa
      3. TransUnion
        Tel: 0861 482 482
        Fax: +27 (0)11 388 2454
        E-mail: [email protected]
        Physical Address: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
        Postal Address: PO Box 4522, Johannesburg, 2000, South Africa
      4. XDS
        Tel: +27 (0)11 645 9100
        Fax: +27 (0)11 484 6588
        E-mail: [email protected]
        Physical Address: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
        Postal Address: PO Box 30987, Braamfontein, 2017, South Africa
      5. South African Fraud Prevention Services
        Helpline: 0860 101 248
        Tel: (0)11 867 2234
        Fax: 011 867 2315
        E-mail: [email protected]
        Physical Address: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
        Postal Address: PO Box 2629, Alberton, 1450, South Africa.
      6. and such other credit bureaus that YDE may engage from time to time.

    2. I understand that I may at any time contact any credit bureau and request that my consumer credit information be disclosed to me. I may further challenge any information held by the credit bureau that I believe is incorrect.
    3. YDE may also provide my confidential and consumer credit information and shopping patterns to its associated companies or agents and to any party concerned with the prevention of and protection against crime.
    4. I understand that in terms of the South African money laundering legislation, YDE has a duty to report suspicious or unusual transactions involving unlawful activities in accordance with the obligations placed on business in this regard.
  10. Merchandise Returns
    1. Returns and Exchanges

      YDE will allow me to return or exchange an item of merchandise within 14 (fourteen) days from date of purchase provided that:

      1. The original invoice or gift receipt is presented on return as proof of purchase.
      2. The price (swing) ticket is attached.
      3. The item has not been worn or used.
      4. The item is in its original condition and packaging.
      5. Items sold with promotional gifts are returned together with the gift.
      6. The item is returned in the country of purchase.
    2. Refunds

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

      1. All criteria in clause 10.1 are met.
      2. The credit card holder and relevant card are present for a credit card refund.
      3. No refund can be processed in the case of a gift receipt being presented unless the original invoice is presented at the same time.
    3. However, in addition to fulfilling the conditions in clause 10.1 and 10.2, I note that:
      1. No returns of end of season sale items will be permitted.
      2. Swimwear must have the protective strip attached.
      3. Returns of garments carrying an additional special tag will only be permitted if such tag is attached.
    4. Non-returns

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

    5. Defective Merchandise

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

      1. Such merchandise is returned to YDE within 6 (six) months of my having taken delivery.
      2. I can provide proof of purchase.
      3. The merchandise is returned within the country of purchase.
      4. The merchandise has been used for its intended purpose.
      5. The item must have been cared for according to the wash/care instruction label.
      For the full Returns Policy please visit www.yde.co.za.
  11. Account Fees and Costs
    1. I understand that YDE will charge me an annual service fee for routine administration costs and this currently entitles me to the Fraud Protection Benefit. The fee payable at the relevant time will be specified in the Quotation and/or otherwise notified to me in writing. The fee is non-refundable and will be debited to my Account once each year when it will accrue to YDE in full. At YDE’s discretion the annual service fee may be increased from time to time provided that it will not exceed the maximum as prescribed by the National Credit Act, if applicable. The annual service fee may from time to time be waived at YDE’s sole discretion.
    2. YDE reserves the right to charge me an initiation fee upon opening my Account (the amount of which will be specified in the Quotation and may be paid by me upfront instead of being added to my balance owing).
    3. YDE reserves the right to charge me:
      1. A default administration charge should my Account be in arrears or should I be in breach of this agreement, and any collection costs that YDE may incur in enforcing my monetary obligations under this agreement including legal charges which will not exceed those allowed by the Attorneys Act, Supreme Court Act, Magistrates Court Act and the Debt Collectors Act, if applicable. These fees, charges and costs will not be higher than as permitted by the National Credit Act, if applicable.
      2. All costs associated with the handing over of my Account to a debt collection agency for recovery of amounts in arrears.
    4. A transaction-based service fee may be charged by YDE and debited to my Account for cheques issued by me and returned by the bank for whatever reason or for debit orders that are not processed by the bank due to a lack of funds.
  12. Miscellaneous Provisions
    1. I choose my residential address as stated on the Quotation or my Application (or such different address specified by me in terms of clause 13.2) for receiving any legal documentation. With regard to this Agreement and all transactions with YDE, South African law applies.
    2. I will immediately advise YDE of any change in my contact details including but not limited to my business, postal or residential addresses, my home, work or my cellphone number(s), and my e-mail address.
    3. If I had a previous YDE Account and closed it within 3 (three) years of applying for a new YDE Account, then YDE reserves the right to withdraw any promotional offers linked to the new Account.
    4. If I am married in community of property I confirm that I have obtained the permission of my spouse to open this Account and to accept increases in the Credit Limit and/or Account Limit applicable to my Account.
    5. YDE and any of its authorised agents will be entitled to monitor and/or record my telephone or cellphone conversation(s) that I have with any of their employees for the purposes of training, collections or future reference.
    6. Any data about me to which YDE becomes entitled in terms of this agreement can be made available to any prospective purchaser or transferred to any party should YDE either sell its business to such party or if such party obtains control over YDE.
    7. Any latitude or indulgence granted to me by YDE will not be deemed to be a waiver of YDE’s rights in terms of this Credit Agreement.
    8. If as a result of payments made by me on my Account my monthly statement of account reflects a credit balance on such Account, I understand that YDE will by law treat the monies so paid as my property, hold such monies for my benefit and raise a non-interest bearing liability in its books of account for such monies . If I do not intend to utilise such credit balance for future merchandise purchases, I understand that YDE will on my written request return such monies to me by transfer to a bank account nominated by me and verified by YDE. I understand that after 3 years has passed following the date on which the credit balance arose on my Account and remains unutilised by me, YDE in its sole discretion may treat such credit balance as expired, no longer held as my property and no longer returnable to me.
  13. Account Disputes and Complaints
    1. I may, at any time, refer a complaint regarding this Agreement to an alternative dispute resolution agent, consumer court or refer a dispute regarding this Credit Agreement to the Credit Ombud, the National Consumer Commission or the National Credit Regulator if my Account was opened in South Africa, or to any relevant body or regulator in the country in which I opened my Account.

      The Credit Ombud can be contacted on:

      Tel: 0861 OMBUDS (0861662837)

      Fax: 086 683 4644

      E-mail: [email protected]

      Physical Address: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa

      Postal Address: PO Box 805, Pinegowrie, 2123, South Africa

      Website: www.creditombud.org.za


      The National Credit Regulator can be contacted on:

      Tel: (0)11 554 2600 or 0860 627 627

      Fax: (0)11 554 2771

      E-mail: [email protected]

      Physical Address: 127 15th Road, Randjespark, Midrand, South Africa

      Postal Address: PO Box 209, Halfway House, 1685, South Africa

      The National Consumer Commission can be contacted on:


      Share Call Number: 0860 266 786

      Fax: 0861 515 259

      E-mail: [email protected]

      Website: www.thencc.gov.za
    2. Should I have a query regarding the correctness of my monthly statement of account or dispute regarding any merchandise purchases or other transactions reflected on it, I will notify YDE within 60 (sixty) days of the date of that particular statement.
  14. Debt Counselling

    This clause is only applicable to accounts opened in South Africa.

    I confirm that at the time of applying for my YDE Account my state of indebtedness was not under evaluation or debt review by a debt counsellor as envisaged in section 86 of the National Credit Act. I understand that I may at any time consult a debt counsellor to assist me with my debt management.

    The process to be followed is:

    1. Contact any debt counsellor.
    2. Pay the prescribed fee and fill out the form provided by the debt counsellor.
    3. The debt counsellor will conduct a debt review and make a ruling on whether the granting of this Credit Facility was reckless.
    4. If I was not over-indebted at the time that this Credit Facility was concluded, then the debt counsellor will terminate the review process and my obligations to YDE will continue.
    5. If I was over-indebted when this Credit Facility was granted, then the debt counsellor will make a recommendation and refer it to the relevant Court or Tribunal for the agreement to be declared reckless.
    6. If I am not over-indebted, but the debt counsellor believes that I will have difficulties satisfying my debt, then the debt counsellor may suggest that YDE and I voluntarily consider and agree on a debt rearrangement plan.
  15. Parties and Scope of Agreement
    1. I understand that:
      1. The credit grantor in terms of this Credit Agreement is Truworths Limited (registration number: 1940/013923/06), which is a registered credit provider under the number NCRCP45 of No 1 Mostert Street, Cape Town, South Africa, on whose behalf YDE of No 1 Mostert Street, Cape Town, South Africa is acting as an agent in concluding this Agreement with me. YDE may be contacted in this capacity at the details set out in clause 23.
        Truworths Limited can be contacted on:
        Tel: +27 (0)21 460 7911
        Fax: +27 (0)21 460 7277
        E-mail: [email protected]
      2. I am the consumer/credit receiver and my addresses are as furnished by me on the Quotation or the Application or subsequently amended by me by written notification to YDE.
      3. No amount has been, or is required to be, paid by me as an initial payment (i.e. as a deposit) in terms of the Credit Agreement.
      4. The Credit Agreement relates to the fashion apparel and accessories, including jewellery, cosmetics and and/or any other products or services, described in the invoices issued to me following purchases made by me in YDE stores and/or on the YDE website.
    2. I confirm that I have the legal capacity to enter into this Agreement.
  16. Early Settlement

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

  17. Account Termination by Consumer

    I understand that I may at any time terminate my Credit Agreement with YDE by paying to YDE the settlement amount (as referred to above) owing on my Account at the date of termination. If no such amount is owing I understand that I must notify YDE of my intention to terminate the Credit Agreement.

  18. Credit Limit and/or Account Limit Stipulations by Consumer

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

  19. Amendments to Agreement

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

  20. Cession of Agreement

    YDE shall be entitled, without my knowledge, to cede (transfer) any of its rights and delegate (transfer) any of its obligations in terms of this Credit Agreement to any third party.

  21. Disclosure in Respect of Agreements Concluded Before 1 June 2007

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

    1. The selling price of all the merchandise that will be sold to me by YDE over the duration of this revolving Credit Facility.
    2. The amount of the other charges referred to in this document that will form part of the balance owing by me.
    3. The relevant part of the balance owing by me that constitutes the principal debt.
    4. The amount of the interest or finance charges to be charged on the relevant part of the balance owing by me in terms of clause 4 of this document.
    5. The rate of interest to be charged, otherwise known as the annual finance charge rate, in terms of clause 4 of this document on the relevant part of the balance owing by me.
    6. The dates, number and amounts of the monthly instalments whereby I will be paying the balance owing by me.
  22. Severability

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

  23. Disclosure in Terms of the Consumer Protection Act

    YDE acts as an agent for fashion designers/manufacturers in the retailing of fashion merchandise and it hereby provides such additional information not set out above, as is required by section 27 of the Consumer Protection Act and regulation 9 of the Regulations thereto.

    YDE can be contacted on:

    Tel: +27 (0)21 460 2500

    Postal Address: PO Box 4775, Cape Town, 8000, South Africa

    Fax: +27 (0)21 460 7277

    E-mail: [email protected]

    YDE's public officer is Reon Smit, who can be contacted on +27 (0)21 460 7911

    YDE/TC/E/7/2023

YOUNG DESIGNERS EMPORIUM (EDMS) BPK Registrasienr. 1956/003229/07
Mostertstraat 1, Kaapstad, Suid-Afrika (hierna vermeld as “YDE”)

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

  1. Kredietooreenkoms
    1. Ek begryp dat ’n Kredietooreenkoms ten opsigte van ’n wentelkredietgerief (my “Kredietgerief”) tussen my en YDE gesluit is.
    2. My Kredietooreenkoms met YDE bestaan uit die Rekeningaansoekvorm (indien ek sodanige vorm voltooi en onderteken het) (die “Aansoek”) en/of die Voorooreenkomsstaat en -kwotasie (die “Kwotasie”) indien van toepassing en/of die brief wat deur YDE onderteken is wat noem dat ’n kredietgerief aan my beskikbaar gestel is, asook die bepalings en voorwaardes wat in hierdie dokument uiteengesit is, en enige wysiging van my Kredietooreenkoms wat op skrif gestel is, waartoe ek ingewillig het.
    3. Ek begryp dat die bepalings en voorwaardes van toepassing op my Kredietooreenkoms en op aankope van goedere by YDE te alle tye onderworpe sal wees aan die bepalings van die Nasionale Kredietwet Nr. 34 van 2005 (die “Nasionale Kredietwet”) en die Wet op Verbruikersbeskerming Nr. 68 van 2008 (die “Wet op Verbruikersbeskerming”), indien van toepassing, en enige ander wetgewing wat van toepassing is, en in geval van konflik tussen enige wetgewing en hierdie bepalings en voorwaardes sal die wetgewing van krag wees.
  2. Kredietlimiet, Rekeninglimiet en Verhogings
    1. Kredietlimiet

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

    2. Rekeninglimiet

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

  3. Kaart en Betalingsplanne

    YDE sal vir my ’n winkelkaart (my “Kaart”) stuur waarvoor ek verantwoordelik sal wees. Indien my Kaart verlore raak of gesteel word, sal ek onmiddellik my plaaslike YDE-winkel in kennis stel of die Klantedienshulplyn skakel by +27 (0)21 460 2500. Ek kan my Kaart gebruik om handelsware te koop op die onderskeie beskikbare betalingsplan/ne wat beskikbaar is in die land waar ek my Rekening oopgemaak het, en ten tyde van die aankoop vir sodanige handelsware geld, soos YDE uitsluitlik na goeddunke bepaal.

  4. Rente
    1. Ooreengekome Koers

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

    2. Verwysingskoers

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

    3. Variasie in Ooreengekome Koers

      Ek begryp dat my Rekening ’n veranderlike rentekoers het, wat beteken dat die Ooreengekome Koers wat vir die betalingsplanne op my Rekening geld van tyd tot tyd saam met veranderings in die toepaslike verwysingskoers sal varieer. YDE sal my binne 30 (dertig) werksdae ná so ’n verandering skriftelik deur middel van my maandstaat, al dan nie, in kennis stel van sodanige verandering, wat in noue ooreenstemming met die verandering in die toepaslike verwysingskoers sal wees. Verwys asseblief na die Maksimum Rentekoers in klousule 4.6.3.2.

    4. Verdiskonteerde of Kwytgeskelde Rente

      Ek begryp dat YDE die Ooreengekome Koers na goeddunke na ’n laer rentekoers kan verminder, of selfs heeltemal kan kwytskeld op die spesiale 6-maande-betalingsplan en ander gekose betalingsplanne indien hierdie planne na YDE se goeddunke aan my beskikbaar gestel is, op voorwaarde dat my Rekening nie agterstallig raak nie, maar indien wel, sal YDE nie hoër rente op die Rekening hef as die Maksimum Rentekoers nie.

    5. Voorkoming van Rente op Agterstallige Rekenings

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

    6. Heffing en Kwytskelding van Rente

      Rente op my Rekening word soos volg gehef of kwytgeskeld:

      1. Planne met kwytgeskelde rente
        1. Ek begryp dat geen rente gehef sal word nie indien ek die Rekening se uitstaande saldo (m.a.w. die volledig verskuldigde bedrag) vóór die betaaldatum (soos vervat in my maandstaat) aan YDE betaal.
        2. Ek begryp voorts dat, indien ek die betaalbare bedrag (m.a.w. die maandelikse paaiement) vóór die betaaldatum aan YDE betaal, geen rente vir daardie maand gehef sal word nie.
        3. Ek begryp voorts dat, indien ek nie die betaalbare bedrag betaal nie, of indien ek ’n kleiner bedrag betaal as die bedrag wat op die betaaldatum aan YDE betaalbaar is, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen ’n koers wat nie die Maksimum Rentekoers wat in klousule 4.6.3.2 hieronder bepaal is, oorskry nie, en dat ek aanspreeklik kan wees vir bykomende wetlike heffings.
      2. Rentedraende planne
        1. Ek begryp dat geen rente gehef sal word nie indien ek die Rekening se uitstaande saldo (m.a.w. die volledig verskuldigde bedrag) vóór die betaaldatum (soos vervat in my maandstaat) aan YDE betaal.
        2. Ek begryp voorts dat, indien ek slegs die betaalbare bedrag (m.a.w. die maandelikse paaiement) aan YDE betaal, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen die Ooreengekome Koers waarna daar in klousule 4.1 hierbo verwys word.
        3. Ek begryp voorts dat, indien ek nie die betaalbare bedrag betaal nie, of indien ek ’n kleiner bedrag betaal as die bedrag wat op die betaaldatum aan YDE betaalbaar is, rente vir die tydperk tussen die vorige en huidige maandstate se datums gehef sal word, op die wyse wat in klousule 4.6.3.1 hieronder beskryf word, teen ’n koers wat nie die Maksimum Rentekoers wat in klousule 4.6.3.2 hieronder bepaal is, oorskry nie, en dat ek aanspreeklik kan wees vir bykomende wetlike heffings.
      3. Renteberekening
        1. Rente word daagliks op ’n eenvoudige grondslag met behulp van die volgende formule bereken: Om die daagliks betaalbare rente te bepaal, word die uitstaande saldo op die Rekening deur die getal dae in die jaar gedeel en met die toepaslike rentekoers vermenigvuldig, soos vervat in my kredietooreenkoms. Die daaglikse rente wat só bereken word, word bymekaar gereken vir die tydperk tussen die vorige en die huidige maandstate se datums, en op die huidige maandstaat se datum by die Rekening se uitstaande saldo gevoeg.
        2. Die Nasionale Kredietwet stipuleer die Maksimum Rentekoers wat gehef kan word in verhouding tot die terugkoopkoers wat van tyd tot tyd deur die SA Reserwebank bepaal word.
  5. State, Betalings en Wanbetaling
    1. State

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

    2. Betalings
      1. Ek stem in dat betalings op my Rekening slegs gemaak kan word in die land waar my Rekening geopen is. Ek stem in om elke maand voor of op die betaaldatum ten minste die betaalbare bedrag sonder teeneis of aftrekking aan YDE te betaal, en ek bevestig dat ek nie daarop geregtig sal wees om enige voorwaarde te koppel aan enige betaling wat aan YDE gemaak word nie. YDE sal elke betaling wat ek op my Rekening doen soos volg krediteer op die datum waarop dit ontvang word: eerstens, om enige betaalbare of onbetaalde renteheffings te delg; tweedens, om enige betaalbare of onbetaalde fooie, kostes of heffings te delg; en derdens, om die bedrag van die hoofskuld te verminder.
      2. Ek het die opsie om aansoek te doen dat die bedrag wat elke maand aan YDE betaalbaar is, per debietorder betaal word indien ek ’n spaar-, transmissie- of tjekrekening het. Die debietorder bepaal dat betaling op enige dag van die maand afgetrek kan word, soos deur my gekies. YDE behou die reg voor om die debietorder weer by my bank in te dien vir betaling, selfs op die dae wat ek nie gestipuleer het nie, totdat my verpligtings nagekom is.
    3. Wanbetaling en Opsegging
      1. Ek stem in dat ek ingevolge hierdie Ooreenkoms wanbetaal indien:
        1. Ek versuim om ten minste 90% van die betaalbare bedrag op die betaaldatum te betaal.
        2. My Rekening daarna vir meer as 30 (dertig) dae agtereenvolgens agterstallig bly, wat die geval sal wees tensy ek ten minste 90% van die verskuldigde bedrag op die volgende betaaldatum betaal.
      2. Indien ek versuim om die bepalings van hierdie Ooreenkoms na te kom, of ingeval my boedel gesekwestreer word indien ek te sterwe kom, of as ek in gebreke bly om my verpligtings teenoor YDE – soos omskryf in klousule 5.3.1 – na te kom, sal:
        1. Alle bedrae wat ek aan YDE skuld onmiddellik betaalbaar kan word.
        2. YDE my Kredietgerief kan opskort.
        3. YDE my Kredietlimiet en/of Rekeninglimiet kan verlaag sonder om my in kennis te stel.
      3. YDE kan voorts ná ’n kennistydperk van 20 (twintig) werksdae my Kredietgerief opskort en, onderhewig aan die betrokke bepalings van die Nasionale Kredietwet – indien van toepassing – onmiddellike betaling van die uitstaande saldo op my Rekening eis.
  6. Ongemagtigde Aankope op my Rekening

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

  7. Rekeningsaldo-dekkingsversekering

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

    Indien ek oor YDE se Rekeningsaldo-dekkingsversekering beskik, kom ek ooreen om my te verbind tot die bepalings en voorwaardes van die betrokke versekeringspolis, wat by die verkoopspunt en op die YDE-webwerf beskikbaar is. YDE sal my Rekening elke maand ingevolge die Rekeningsaldo-dekkingsversekering met die betaalbare premie debiteer. Die Versekeraar sal bevestiging van sodanige versekering- en polisbesonderhede aan my stuur.

  8. Vertroulike en Persoonlike Inligting
    1. Ek stem in dat YDE te eniger tyd enige van my vertroulike en verbruikerskredietinligting, met inbegrip van ’n burotelling, by enige kredietburo, ander register of enige derde party mag aanvra, en bevestig dat hierdie toestemming ook die inligting insluit wat YDE reeds ontvang het. YDE mag hierdie vertroulike en verbruikerskredietinligting (insluitend inligting oor nienakoming van my verpligtings ingevolge my Ooreenkoms) asook enige inligting oor my Rekening, insluitend my aansoek en die opening en sluiting van my Rekening, met enige ander kredietverskaffer en kredietburo deel, met die doel – onder meer – dat sodanige kredietburo hierdie inligting met ander potensiële kredietverskaffers en kredietburo’s kan deel. Ek begryp dat die kredietburo aan kredietverskaffers ’n profiel, en moontlik ’n telling ten opsigte van my kredietwaardigheid, verskaf op grond van die inligting wat YDE met sodanige buro deel.
    2. Ek begryp dat YDE my vertroulike en verbruikerskredietinligting kan gebruik vir bemarking en verwante doeleindes, risiko- en analitiese evaluering en waardetoekenning, asook vir YDE se algemene sakedoeleindes.Verwys asseblief na ons Privaatheidsbeleid vir meer inligting.
  9. Kredietburo’s
    1. YDE mag my vertroulike en verbruikerskredietinligting, soos hierbo uiteengesit, aan die kredietburo’s verskaf, insluitend die volgende:
      1. Compuscan
        Tel: +27 (0)21 888 6000
        Faks: +27 (0)21 883 2336
        E-pos: [email protected]
        Straatadres: Chenin-huis, Brandwacht-kantoorpark, Trumaliweg, Stellenbosch, Suid-Afrika
        Posadres: Posbus 1028, Stellenbosch, 7599, Suid-Afrika
      2. Experian
        Tel: +27 (0)11 799 3400 of 086 110 5665
        Faks: +27 (0)11 707 6700/6786
        E-pos: [email protected] or [email protected]
        Straatadres: Experian-huis, The Ambridge-kantoorpark, Vredelaan, Bryanston, Suid-Afrika
        Posadres: Posbus 98183, Sloan Park, 2152, Suid-Afrika
      3. TransUnion
        Tel: 0861 482 482
        Faks: +27 (0)11 388 2454
        E-pos: [email protected]
        Straatadres: Wanderers-kantoorpark, Corlettrylaan 52, Illovo, Suid-Afrika
        Posadres: Posbus 4522, Johannesburg, 2000, Suid-Afrika
      4. XDS
        Tel: +27 (0)11 645 9100
        Faks: +27 (0)11 484 6588
        E-pos: [email protected]
        Straatadres: Oakhurst-gebou 11-13, 3de Vloer, Westelike Vleuel, St Andrewsweg, Parktown, Johannesburg, Suid-Afrika
        Posadres: Posbus 30987, Braamfontein, 2017, Suid-Afrika
      5. Suid-Afrikaanse Bedrogvoorkomingsdiens
        Helpline: 0860 101 248
        Tel: (0)11 867 2234
        Faks: 011 867 2315
        E-pos: [email protected]
        Straatadres: Blok 5, Meyersdal-kantoorpark, Phillip Engelbrechtstraat 65, Meyersdal, 1448, Suid-Afrika
        Posadres: Posbus 2629, Alberton, 1450, Suid-Afrika.
      6. en sodanige ander kredietburo’s met wie YDE van tyd tot tyd kan skakel.

    2. Ek begryp dat ek enige kredietburo te eniger tyd kan kontak en vra dat my verbruikerskredietinligting aan my bekend gemaak word. Ek kan voorts enige inligting waaroor die kredietburo beskik wat myns insiens verkeerd is, bevraagteken.
    3. YDE kan ook my vertroulike en verbruikerskredietinligting en kooppatrone aan sy verwante maatskappye of agente verskaf, en aan enige party wat gemoeid is met die voorkoming van misdaad en beskerming daarteen.
    4. Ek begryp dat YDE ingevolge Suid-Afrikaanse wetgewing oor geldwassery ’n plig het om verdagte of ongewone transaksies met betrekking tot onwettige bedrywighede te rapporteer, ooreenkomstig die verpligtings wat in hierdie verband op ondernemings geplaas word.
  10. Terughandiging van Handelsware
    1. Terughandigings en Omruilings

      YDE laat my toe om ’n handelsware-item binne 14 (veertien) dae ná die aankoopdatum terug te handig, mits:

      1. Die oorspronklike faktuur of geskenkkwitansie tydens terughandiging as koopbewys getoon kan word.
      2. Die prys-etiket aangeheg is.
      3. Die item nie gedra of gebruik is nie.
      4. Die item in sy oorspronklike toestand en verpakking is.
      5. Items wat saam met promosiegeskenke verkoop is, saam met die geskenk teruggehandig word.
      6. Die item in die land waar dit gekoop is, teruggehandig word.
    2. Terugbetalings

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

      1. Daar aan alle kriteria in klousule 10.1 voldoen word.
      2. Die kredietkaarthouer en die betrokke kaart teenwoordig is vir ’n kredietkaartterugbetaling.
      3. Geen terugbetaling kan verwerk word indien ’n geskenkkwitansie getoon word, tensy die oorspronklike faktuur terselfdertyd getoon word nie.
    3. Ek neem egter kennis dat, buiten om die voorwaardes in klousules 10.1 en 10.2 na te kom:
      1. Geen terughandiging van seisoenuitverkoping-items toegelaat word nie.
      2. Swemklere die skutstrook moet aanhê.
      3. Terughandiging van kledingstukke met ’n bykomende spesiale aanbod-etiket slegs toegelaat word indien sodanige etiket aangeheg is.
    4. Geen Terughandiging

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

    5. Foutiewe Handelsware

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

      1. Sodanige handelsware binne 6 (ses) maande ná ontvangs aan YDE terugbesorg word.
      2. Koopbewys gelewer kan word.
      3. Die handelsware in die land waar dit gekoop is, teruggehandig word.
      4. Die handelsware gebruik is vir die doel waarvoor dit bestem is.
      5. Die item volgens die was-/versorgingsetiket se instruksies versorg is.

      Besoek gerus www.yde.co.za vir die volledige Terughandigingsbeleid.

  11. Rekeningfooie en –kostes
    1. Ek begryp dat YDE my ’n jaarlikse diensfooi vir roetine-administrasie sal vra, en dat dit my tans geregtig maak op die Bedrogbeskermingsvoordeel. Die fooi wat op die betrokke tydstip betaalbaar sal wees, sal in die Kwotasie gespesifiseer word en/of andersins skriftelik aan my verskaf word. Die fooi is nie terugbetaalbaar nie en sal een keer per jaar teen my Rekening gedebiteer word, wanneer dit YDE ten volle sal toeval. Die jaarlikse diensfooi kan na YDE se goeddunke van tyd tot tyd verhoog word, mits dit nie die maksimum limiet soos voorgeskryf deur die Nasionale Kredietwet – indien van toepassing – oorskry nie. Die jaarlikse diensfooi kan van tyd tot tyd uitsluitlik na YDE se goeddunke kwytgeskeld word.
    2. YDE behou die reg voor om ’n aanvangsfooi te hef vir my om my Rekening te open (welke bedrag in die Kwotasie gespesifiseer sal word en wat ek vooraf kan betaal in plaas daarvan dat dit by my uitstaande saldo gevoeg word).
    3. YDE behou die reg voor om die volgende te hef:
      1. ’n Wanbetalingsadministrasieheffing indien my Rekening agterstallig is of indien ek in gebreke bly ingevolge hierdie Ooreenkoms, en enige invorderingskostes wat YDE moontlik moet aangaan om my geldelike verpligtings ingevolge hierdie Ooreenkoms af te dwing, insluitend regsfooie, wat nie die fooie soos voorgeskryf deur die Wet op Prokureurs, die Wet op die Hooggeregshof, die Wet op Landdroshowe en die Wet op Skuldinvorderaars – indien van toepassing – sal oorskry nie. Hierdie fooie, heffings en kostes sal nie hoër wees as wat die Nasionale Kredietwet – indien van toepassing – toelaat nie.
      2. Alle kostes wat verband hou met die oorhandiging van ’n Rekening aan ’n skuldinvorderingsagentskap vir die verhaling van agterstallige bedrae.
    4. YDE kan ’n transaksiegebaseerde diensfooi hef en dit teen my Rekening debiteer vir tjeks wat ek uitreik wat om welke rede ook al deur die bank teruggestuur word, of vir debietorders wat weens ’n gebrek aan fondse nie deur die bank verwerk word nie.
  12. Diverse Bepalings
    1. Ek kies my woonadres soos verstrek op die Kwotasie of op my Aansoek (of enige ander adres deur my gespesifiseer ingevolge klousule 13.2) vir die ontvangs van enige regsdokumente. Suid-Afrikaanse wetgewing geld vir hierdie Ooreenkoms en alle transaksies met YDE.
    2. Ek sal YDE onmiddellik in kennis stel van enige verandering in kontakbesonderhede, wat die volgende insluit, maar nie beperk is nie tot: my werk-, pos- of woonadresse, my huis-, werk- of selfoonnommer/s en my e-posadres.
    3. Indien ek voorheen ’n YDE-rekening gehad het en dit minder as 3 (drie) jaar voor die aansoek om ’n nuwe YDE-rekening gesluit het, behou YDE die reg voor om enige promosie-aanbiedings terug te trek wat aan die nuwe rekening gekoppel is.
    4. Indien ek binne gemeenskap van goedere getroud is, bevestig ek dat ek my eggenoot se toestemming gekry het om hierdie Rekening te open, en om verhogings in die Kredietlimiet en/of Rekeninglimiet wat vir my Rekening geld, te aanvaar.
    5. YDE en enige van sy gemagtigde agente sal geregtig wees om my telefoon- of selfoongesprek/ke wat ek met enige van hul werknemers voer, met die oog op opleiding, invorderings of toekomstige verwysing op te neem en/of te monitor.
    6. Enige data oor my waarop YDE ingevolge hierdie Ooreenkoms geregtig raak, kan tot enige voornemende koper se beskikking gestel word, of oorgedra word aan enige party indien YDE sy onderneming aan so ’n party verkoop, of as so ’n party beheer oor YDE verkry.
    7. Geen toegewing of uitstel wat YDE aan my gee, sal as ’n afstanddoening van YDE se regte ingevolge hierdie Kredietooreenkoms beskou word nie.
    8. Indien my maandelikse rekeningstaat 'n kredietsaldo op my Rekening aandui weens betalings wat ek in sodanige Rekening gemaak het, begryp ek dat YDE volgens wet die betaalde gelde as my eiendom sal hanteer, sodanige gelde ten bate van my sal bewaar en 'n nierentedraende las in sy rekeningboeke sal aanteken vir hierdie gelde. Indien ek nie beoog om sodanige kredietsaldo vir toekomstige handelsware-aankope te gebruik nie, begryp ek dat YDE sodanige gelde op my skriftelike versoek aan my sal terugbetaal deur middel van 'n betaling in die bankrekening van my keuse en wat deur YDE goedgekeur is. Ek begryp dat YDE, na afloop van 3 jaar vanaf die datum waarop die kredietsaldo op my Rekening vertoon het en nie deur my gebruik is nie, volgens sy uitsluitlike diskresie sodanige kredietsaldo as verstreke mag beskou, en ook nie meer as my terugbetaalbare eiendom sal hanteer nie.
  13. Rekeningdispute en Klagtes
    1. Ek mag te eniger tyd ’n klagte rakende hierdie Ooreenkoms na ’n alternatiewe dispuutoplossingsagent of verbruikershof verwys, of ’n dispuut rakende hierdie Kredietooreenkoms verwys na die Kredietombudsman, die Nasionale Verbruikerskommissie of die Nasionale Kredietreguleerder indien my Rekening in Suid-Afrika geopen is, of na enige toepaslike liggaam of reguleerder in die land waar ek my Rekening geopen het.

      Die Kredietombudsman kan gekontak word by:

      Tel: 0861 OMBUDS (0861662837)

      Faks: 086 683 4644

      E-pos: [email protected]

      Straatadres: Fernridge-kantoorpark, Hunterstraat 5, Ferndale, Randburg, Suid-Afrika

      Posadres: Posbus 805, Pinegowrie, 2123, Suid-Afrika

      Webwerf: www.creditombud.org.za


      Die Nasionale Kredietreguleerder kan gekontak word by:

      Tel: (0)11 554 2600 or 0860 627 627

      Faks: (0)11 554 2771

      E-pos: [email protected]

      Straatadres: 15de Weg 127, Randjespark, Midrand, Suid-Afrika

      Posadres: Posbus 209, Halfweghuis, 1685, Suid-Afrika


      Die Nasionale Verbruikerskommissie kan gekontak word by:

      Share Call-nommer: 0860 266 786

      Faks: 0861 515 259

      E-pos: [email protected]

      Webwerf: www.thencc.gov.za

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

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

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

    Die proses wat gevolg moet word, is:

    1. Kontak enige skuldberader.
    2. Betaal die voorgeskrewe fooi en vul die vorm in wat deur die skuldberader verskaf word.
    3. Die skuldberader sal ’n skuldoorsig onderneem en oordeel of die toekenning van hierdie Kredietgerief roekeloos was.
    4. Indien ek nie te diep in die skuld was toe hierdie Kredietgerief gefinaliseer is nie, sal die skuldberader die oorsigproses beëindig en sal my verpligtings teenoor YDE voortduur.
    5. Indien ek wel te diep in die skuld was toe hierdie Kredietgerief toegeken is, sal die skuldberader ’n aanbeveling doen en dit na die betrokke Hof of Tribunaal verwys om die Ooreenkoms roekeloos te verklaar.
    6. Indien ek nie te diep in die skuld is nie, maar die skuldberader reken dat ek gaan sukkel om my skuld te betaal, kan die skuldberader moontlik voorstel dat ek en YDE vrywillig moet oorweeg om saam ’n nuwe skuldreëling te tref.
  15. Partye en Omvang van Ooreenkoms
    1. Ek begryp die volgende:
      1. Die kredietverlener ingevolge hierdie Kredietooreenkoms is Truworths Beperk (registrasienommer: 1940/013923/06), ’n geregistreerde kredietverskaffer onder die nommer NCRCP45 van Mostertstraat 1, Kaapstad, Suid-Afrika, namens wie YDE van Mostertstraat 1, Kaapstad, Suid-Afrika as ’n agent optree in die sluiting van hierdie Ooreenkoms met my. YDE kan in hierdie hoedanigheid gekontak word by die kontakbesonderhede soos uiteengesit in klousule 23.

        Truworths Beperk kan gekontak word by

        Share Call-nommer: +27 (0)21 460 7911

        Faks: +27 (0)21 460 7277

        E-pos: [email protected]

      2. Ek is die verbruiker/kredietontvanger en my adresse is dié wat ek in die Kwotasie of in die Aansoek verstrek het, of wat daarna via skriftelike kennisgewing aan YDE deur my gewysig is.
      3. Geen bedrag is of word ingevolge hierdie Kredietooreenkoms van my vereis as ’n aanvangsbetaling (m.a.w. ’n deposito) nie.
      4. Die Kredietooreenkoms hou verband met die modeklere en -bykomstighede – insluitend juweliersware, skoonheidsmiddels en/of enige ander produkte of dienste – wat beskryf word in die fakture wat aan my uitgereik is na aanleiding van aankope wat ek by YDE-winkels en/of op die YDE-webwerf gedoen het.
    2. Ek bevestig dat ek die regsbevoegdheid het om hierdie Ooreenkoms aan te gaan.
  16. Vroeë Vereffening

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

  17. Rekeningbeëindiging deur Verbruiker

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

  18. Kredietlimiet- en/of Rekeninglimietstipulasies deur Verbruiker

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

  19. Wysigings van Ooreenkoms

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

  20. Oordrag van Ooreenkoms

    YDE is daarop geregtig om, sonder my medewete, enige van sy regte te sedeer (oor te dra) en enige van sy verpligtings ingevolge hierdie Kredietooreenkoms te delegeer (oor te dra) aan enige derde party.

  21. Openbaarmaking ten opsigte van Ooreenkomste wat voor 1 Junie 2007 gesluit is

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

    1. Die verkoopprys van al die handelsware wat YDE aan my sal verkoop tydens die duur van hierdie wentelkredietgerief.
    2. Die bedrag van die ander heffings waarna hierdie dokument verwys, wat deel sal vorm van die uitstaande saldo wat deur my verskuldig is.
    3. Die betrokke deel van die uitstaande saldo wat deur my verskuldig is, wat die hoofskuld uitmaak.
    4. Die bedrag van die rente of finansieringskoste wat gehef sal word op die betrokke deel van die uitstaande saldo wat ingevolge klousule 4 van hierdie dokument deur my verskuldig is.
    5. Die rentekoers, ook bekend as die jaarlikse finansieringskostekoers, wat ingevolge klousule 4 van hierdie dokument gehef sal word op die betrokke deel van die uitstaande saldo wat deur my verskuldig is.
    6. Die datums, aantal en bedrae van die maandelikse paaiemente waardeur ek die uitstaande saldo wat deur my verskuldig is, sal betaal.
  22. Skeibaarheid

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

  23. Openbaarmaking ten opsigte van die Wet op Verbruikersbeskerming

    YDE tree op as ’n agent vir modeontwerpers/-vervaardigers in die verkoop van modeware en verskaf sodanige bykomende inligting wat nie hierbo uiteengesit word nie, en wat deur artikel 27 van die Wet op Verbruikersbeskerming en regulasie 9 van die meegaande Regulasies vereis word.

    YDE kan gekontak word by:

    Tel: 021 460 2500

    Posadres: Posbus 4775, Kaapstad, 8000, Suid-Afrika

    Faks: 021 460 7277

    E-pos: [email protected]

    YDE se openbare beampte is Reon Smit, wat by +27 (0)21 460 7911 geskakel kan word.

    YDE/TC/A/7/2023

YOUNG DESIGNERS EMPORIUM (PTY) LTD Inombolo yokubhaliswa 1956/003229/07
No. 1 Mostert Street, Cape Town, South Africa (kusukela lapha ebizwa ngokuthi “i-YDE”)

IMIGOMO NEMIBANDELA YE-YDE YOKUFAKA ISICELO, YOKUNIKEZWA ISIKWELETU NEYOKUDAYISA


  1. Isivumelwano Sesikweletu
    1. Ngiyaqonda ukuthi kwenziwe iSivumelwano Sesikweletu, esiyiSikweletu Esivuselelwa njalo (“Ukuthenga Ngesikweletu”), phakathi kwami ne-YDE.
    2. ISivumelwano Sesikweletu enginaso ne-YDE sakhiwe yiFomu Lesicelo Sokuvula I-akhawunti (uma ngagcwalisa futhi ngalisayina leli fomu) (“iSicelo”) kanye/noma iSitatimende Esandulela ISivumelwano Nesilinganiso (“iSilinganiso”) uma sikhona kanye/noma incwadi esayinwe yi-YDE engazisa ukuthi nginikezwe ithuba lokuThenga Ngesikweletu, kanye nemigomo nemibandela echazwe kule ncwadi kanye nanoma yiziphi izichibiyelo zeSivumelwano Sesikweletu ezibhalwe phansi futhi engizivumayo.
    3. Ngiyaqonda ukuthi imigomo nemibandela esebenza eSivumelwaneni sami Sesikweletu kanye nokudayiswa kwezimpahla yi-YDE ngazo zonke izikhathi izoba ngaphansi kwemibandela yoMthetho Wezikweletu Kazwelonke onguNombolo 34 wezi-2005 (“Umthetho Wezikweletu Kazwelonke”) kanye noMthetho Wokuvikelwa Kwabathengi onguNombolo 68 wezi-2008 (“Umthetho Wokuvikelwa Kwabathengi”), uma kunesidingo, nanoma yiziphi izimiso zomthetho ezithintekayo, futhi uma kuba khona ukungqubuzana phakathi kwanoma yimuphi umthetho nale migomo nemibandela umthetho yiwona ozonqoba.
  2. Umkhawulo Wesikweletu, Umkhawulo We-akhawunti Nokwenyuswa Kwako
    1. Umkhawulo Wesikweletu

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

    2. UMkhawulo We-akhawunti

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

  3. Ikhadi Nezinhlelo Zokukhokha

    I-YDE izongithumelela ikhadi lokuthenga (“iKhadi” lami) elizoba umthwalo wami. Uma Ikhadi lami lilahleka, ngizotshela isitolo sendawo se-YDE ngokushesha noma ngithinte Inombolo Yesevisi Yamakhasimende ethi +27 (0)21 460 2500. Ngingasebenzisa Ikhadi lami ukuthenga izingubo ngezinhlelo zokukhokha ezihlukene ezitholakala ezweni engivule kulo i-Akhawunti yami futhi ezithintekayo ekuthengeni okunjalo njengoba kunqunywe yi-YDE ngokombono wayo ozimele ngesikhathi sokuthenga.

  4. Inzalo
    1. Izinga Okuvunyelwana Ngalo

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

    2. Izinga Eliyinkomba

      Ngiyaqonda ukuthi uma ngivule i-akhawunti yami eNingizimu Afrika, i-YDE ikhethe Izinga Lenzalo Eliwumkhawulo elishiwo eMthethweni Wezikweletu Kazwelonke, noma uMthetho Wesilinganiso uma ama-akhawunti evulwe ngaphambi komhla ka-1 Juni 2007, njengezinga eliyinkomba ngezinjongo ezinqunywa yiZinga Okuvunyelwana Ngalo elisebenza ku-Akhawunti yami. Ngiyaqonda ukuthi uma i-akhawunti yami yavulwa ngaphandle kwaseNingizimu Afrika izinga eliyinkomba lizoba yizinga eliwumkhawulo elilawulwa umthetho ofanele ezweni lapho i-Akhawunti yami yavulwa khona.

    3. Ukuhlukahluka Ezingeni Okuvunyelwana Ngalo

      Ngiyaqonda ukuthi i-Akhawunti yami inezinga lenzalo elihlukahlukayo, okusho ukuthi Amazinga Okuvunyelwana Ngawo asebenza ezinhlelweni zokukhokhela i-Akhawunti yami ayohlukahluka ngokuqondile ngezikhathi ezithile ngokuvumelana nezinguquko ezisebenza ezingeni eliyinkomba. Zingakapheli izinsuku ezingama-30 (amashumi amathathu) zoguquguquko olunjalo, i-YDE izongazisa ngencwadi, ngesitatimende sami sanyanga zonke se-akhawunti noma ngenye indlela, ngokuguquguquka, okuyoba ngezinga elizinzile elihambisana nokushintsha kwezinga lenkomba elisebenzayo. Sicela ubheke inkokhelo yezinga Lenzalo Ewumkhawulo esesigabeni 4.6.3.2.

    4. Inzalo Eyisaphulelo Noma Echithiwe

      Ngiyaqonda ukuthi iZinga Okuvunyelwana Ngalo ngokombono we-YDE lingehliselwa ezingeni lenzalo eliphansana noma lichithwe ngokuphelele ohlelweni lokukhokha olukhethekile lwezinyanga eziyi-6 nezinye izinhlelo zokukhokha ezikhethiwe uma lezi zinhlelo zethulwe kimi ngokombono we-YDE, uma nje i-Akhawunti yami ingasileli ngemuva kodwa uma kwenzeka i-YDE izokhokhisa inzalo ku-Akhawunti ngenani elingeqi kweleNzalo Ewumkhawulo.

    5. Ukuvimbela Inzalo Kuma-akhawunti Asilele

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

    6. Ukukhokha Nokuchitha Inzalo
      1. Inzalo ikhokhiswa futhi ingase ichithwe ku-Akhawunti yami ngale ndlela:
        1. Ngiyaqonda ukuthi ibhalansi ekweletwa yi-Akhawunti (okuwukuthi, isamba esiphelele se-akhawunti) kwa-YDE ngaphambi kosuku okufuneka ngalo inkokhelo (oluboniswe esitatimendeni sami sanyanga zonke), akukho nzalo engizoyikhokhiswa.
        2. Ngiyaqonda ukuthi uma ngikhokha inani elifunekayo (okuwukuthi, isitolimende sanyanga zonke) kwa-YDE ngaphambi kosuku okufuneka ngalo inkokhelo, akukho nzalo ezokhokhiswa ngaleyo nyanga.
        3. Ngiyaqonda nokuthi uma ngingalikhokhi inani elifunekayo noma ngikhokha inani elingaphansi kwelifunekayo e-YDE ngosuku lokukhokha, inzalo izonezelwa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi engeqeli ngalé kweZinga Lenzalo Ephezulu enqunywe ngokuvumelana nesigaba 4.6.3.2 ngezansi, futhi ngingase ngithole ezinye izinhlawulo eziyisibopho.
      2. Izinhlelo ezinenzalo
        1. Ngiyaqonda ukuthi uma ngikhokha ibhalansi ekweletwa yi-Akhawunti (okuwukuthi, isamba esiphelele se-akhawunti) ku-YDE, ngaphambi kosuku efuneka ngalo (oluboniswe esitatimendeni sami sanyanga zonke), akukho nzalo ezokhokhiswa.
        2. Ngiyaqonda nokuthi uma ngikhokha inani elifunekayo kuphela (okuwukuthi isitolimende sanyanga zonke) e-YDE, inzalo izonezelwa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi ngeZinga Okuvunyelwene ngalo ngezansi ngeNzalo Okuvunyelwene Ngayo esigabeni 4.1 ngenhla.
        3. Ngiyaqonda nokuthi uma ngingakhokhi inani elifunekayo, noma ngikhokha inani elingaphansi kwenani elifunwa yi-YDE ngosuku lokukhokha, kuzofakwa inzalo yesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule neyamanje ngendlela echazwe esigabeni 4.6.3.1 ngezansi ngenani leNzalo Ewumkhawulo enqunywa ngokuvumelana nesigaba 4.6.3.2 ngezansi futhi ngingase ngibe nesibopho sokukhokhela ezinye izindleko eziyisibopho.
      3. Ukubalwa kwenzalo
        1. Inzalo ibalwa nsuku zonke ngendlela elula ngokusebenzisa le fomula: Ibhalansi oyikweleta kwi-Akhawunti ihlukaniswa ngesibalo sezinsuku onyakeni, bese iphindaphindwa ngezinga lenzalo esebenzayo ngokuvumelana nesivumelwano sami sesikweletu, ukuze kutholwe inzalo ekweletwa usuku nosuku. Inzalo yansuku zonke enqunywa ngale ndlela iyahlanganiswa ngesikhathi esiphakathi kwezinsuku zesitatimende senyanga edlule nesitatimende samanje bese inezelwa kwibhalansi ekweletwa kwi-Akhawunti ngosuku lwesitatimende samanje senyanga.
        2. Umthetho Wezikweletu Kazwelonke unquma Izinga Lenzalo Eliphezulu elingase likhokhiswe eNingizimu Afrika uma kubhekwa i-repo rate, enqunywa ngezikhathi ezithile yiBhange-ngodla laseNingizimu Afrika.
  5. Izitatimende, Ukukhokha Nokuphutha Ukukhokha
    1. Izitatimende

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

    2. Izinkokhelo
      1. Ngiyavuma ukuthi izinkokhelo ze-akhawunti yami zingenziwa kuphela ezweni lapho i-Akhawunti yami yavulwa khona. Ngiyavuma ukukhokhela i-YDE imali engengaphansi kwefuneka inyanga ngayinye, engacaziwe noma yancishiswa, ngosuku okufuneka inkokhelo ngalo noma ngaphambi kwalokho futhi ngiyaqinisa ukuthi ngeke ngibe nelungelo lokunezela imibandela kunoma iyiphi inkokhelo engiyenza e-YDE. I-YDE izofaka inkokhelo ngayinye engiyenza kwi-Akhawunti yami ngosuku ethola ngalo leyo nkokhelo ngale ndlela: okokuqala ukuvala noma yiziphi izinhlawulo zenzalo ezifunekayo noma ezingakhokhiwe, okwesibili ukuvala izinkokhelo ezifunekayo noma ezingakhokhiwe, izindleko noma izinhlawulo kanti okwesithathu ukunciphisa inani lesikweletu esikhulu.
      2. Ngizoba nethuba lokukhetha, uma ngine-akhawunti yokonga, ye-transmission noma yamasheke, ukufaka isicelo se-debit order yeNkokhelo efuneka e-YDE inyanga ngayinye. I-debit order izosho ukuthi inkokhelo kufanele idonswe nganoma iluphi usuku lwenyanga engilukhethile. I-YDE iyaligodla ilungelo lokwethula kabusha i-debit order yeNkokhelo ebhange lami ngisho nangezinsuku engingazishongo kwi-debit order kuze kube yileso sikhathi lapho sengihlangabezene nezibopho zami.
    3. Ukuphutha Ukukhokha Nokuchithwa Kwesivumelwano
      1. Ngiyavuma ukuthi ngiyobe ngiphuthe ukukhokha kulesi sivumelwano uma:
        1. Ngihluleka ukukhokha okungenani ama-90% wemali efunekayo ngosuku olunqunyiwe.
        2. Ngemva kwalokho i-Akhawunti yami iqhubeka isilela izinsuku ezingaphezu kwezingama-30 (amashumi amathathu) zilandelana okuyokwenzeka ngaphandle uma ngikhokha okungenani ama-90% wenani elifunekayo ngosuku olulandelayo olunqunyelwe ukukhokha.
      2. Ukuhluleka kwami ukuthobela imibandela yalesi sivumelwano noma uma ngemukwa impahla yami noma uma ngifa noma ngingazikhokheli izibopho zami ne-YDE njengoba kuchazwe ngenhla esigabeni 5.3.1, lapho-ke:
        1. Wonke amanani engiwakweleta i-YDE angafuneka ngokushesha futhi kufanele akhokhwe.
        2. I-YDE ingayihoxisa i-Akhawunti yami Yesikweletu.
        3. I-YDE inganciphisa uMkhawulo Wesikweletu kanye/noma uMkhawulo We-akhawunti ngaphandle kokungazisa.
      3. Ngokukhipha isaziso sezinsuku ezingama-20 (amashumi amabili) zomsebenzi, i-YDE ingabuye ivale i-Akhawunti yami Yesikweletu futhi ngokuvumelana nemibandela efanele yoMthetho Wezikweletu Kazwelonke, uma uthinteka, ingafuna inkokhelo ngaleso sikhathi yebhalansi engiyikweletayo kwi-Akhawunti yami.
  6. Ukuthenga 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-YDE ngeke ingithwese icala ngaphandle uma isiginesha yami ikhona ku-invoyisi noma kunobunye ubufakazi bokuthenga noma i-YDE ingabonisa ukuthi yimina ogunyazile noma obethenga.

  7. Umshwalense Wokuvikela Ibhalansi Ye-akhawunti

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

    Uma nginoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti yase-YDE ngiyavuma ukuboshwa yimigomo nemibandela yepholisi yomshuwalense othintekayo otholakala uma ngithenga esitolo nakuwebhusayithi yase-YDE. I-YDE izodonsa ku-Akhawunti yami nyanga zonke imali okufanele ikhokhwe ngokuvumelana nemibandela yoMshuwalense Wokuvikela Ibhalansi Ye-akhawunti. Isiqinisekiso salo mshuwalense kanye nemininingwane yepholisi izothunyelwa kimi yiNkampani yomshwalense.

  8. Ulwazi Oluyimfihlo Nolomuntu Siqu
    1. Ngiyavuma ukuthi i-YDE 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 nemiphumela yakho nesiqinisekiso sokuthi le mvume ihlanganisa ulwazi oselutholwe yi-YDE kakade. I-YDE 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 bezikweletu imidanti, okungenzeka kube nemiphumela yokuhlaziywa kwezikweletu zami ekhombisa ukuthi ngifanelekile yini ukuthenga ngesikweletu, kuye ngolwazi i-YDE elunika inhlangano enjalo.
    2. Ngiyaqonda ukuthi ulwazi lwami oluyimfihlo nolwezikweletu lungase lusetshenziswe yi-YDE ngenjongo yokukhangisa nokweseka nokuhlaziya nokubala izingcuphe kanye nezinjongo ezivamile zebhizinisi zakwa-YDE. Sicela ubheke Inqubomgomo yethu Yobumfihlo ukuthola ulwazi oluthe xaxa.
  9. Izinhlangano Zezikweletu
    1. I-YDE ingase idalule ulwazi lwami oluyimfihlo nolwezikweletu olushiwo ngenhla, ezinhlanganweni zezikweletu, kubandakanye nezilandelayo:
      1. Compuscan
        Ucingo: +27 (0)21 888 6000
        Ifeksi: +27 (0)21 883 2336
        I-imeyili: [email protected]
        Ikheli Lomgwaqo: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
        Ikheli Leposi: PO Box 1028, Stellenbosch, 7599, South Africa
      2. Experian
        Ucingo: +27 (0)11 799 3400 noma 086 110 5665
        Ifeksi: +27 (0)11 707 6700/6786
        I-imeyili: [email protected] or [email protected]
        Ikheli Lomgwaqo: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
        Ikheli Leposi: PO Box 98183, Sloan Park, 2152, South Africa
      3. TransUnion
        Ucingo: 0861 482 482
        Ifeksi: +27 (0)11 388 2454
        I-imeyili: [email protected]
        Ikheli Lomgwaqo: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
        Ikheli Leposi: PO Box 4522, Johannesburg, 2000, South Africa
      4. XDS
        Ucingo: +27 (0)11 645 9100
        Ifeksi: +27 (0)11 484 6588
        I-imeyili: [email protected]
        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
      5. South African Fraud Prevention Services
        Helpline: 0860 101 248
        Ucingo: (0)11 867 2234
        Ifeksi: 011 867 2315
        I-imeyili: [email protected]
        Ikheli Lomgwaqo: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
        Ikheli Leposi: PO Box 2629, Alberton, 1450, South Africa.
      6. nezinye izigungu ezinjalo zezikweletu i-YDE engase ixhumane nazo ngezikhathi ezithile.

    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.
    3. I-YDE inganika izinkampani ezingozakwabo noma amanxusa ulwazi lwami oluyimfihlo nolwezikweletu kanye nemikhuba yami yokuthenga kanye nanoma ubani othintekayo ekuvinjelweni nasekuvikelweni ebugebengwini.
    4. Ngiyaqonda ukuthi ngokomthetho wokukhwabaniswa kwemali waseNingizimu Afrika, i-YDE inomthwalo wokubika izinto ezisolisayo noma ezingajwayelekile ezihlanganisa izenzo ezingqubuzana nomthetho ngokuvumelana nezibopho zamabhizinisi kulolu daba.
  10. Ukubuyiswa Kwezinto Ezithengiwe
    1. Izinto Ezibuyiswayo Nezishintshwayo

      I-YDE iyongivumela ukuba ngibuyise noma ngishintshe izinto engizithengile zingakapheli izinsuku eziyi-14 (ishumi nane) kusukela ngosuku engizithenge ngalo uma:

      1. I-invoyisi yokuqala noma irisidi yesipho ikhishwa lapho kubuyiselwa utho njengobufakazi bokuthenga.
      2. Likhona ithikithi lenani lentengo (i-swing).
      3. Leyo mpahla ingakagqokwa noma ingakasetshenziswa.
      4. Leyo mpahla isesimweni sayo sokuqala nasephaketheni layo.
      5. Izinto ezithengwe kanye nezipho eziyimititilizo zibuyiswa kanye naleso sipho.
      6. Leyo mpahla ibuyiselwa ezweni ethengwe kulo.
    2. Ukubuyiselwa Imali

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

      1. Kuhlangatshezwene nayo yonke imibandela esesigabeni 10.1.
      2. Umnikazi wekhadi lesikweletu kanye nekhadi elifanele kuvezwa ukuze kubuyiswe imali yekhadi lesikweletu.
      3. Akukho mali ezobuyiswa uma kuvezwa irisidi yesipho ngaphandle uma i-invoyisi yokuqala ivezwa ngesikhathi esifanayo.
    3. Kodwa-ke, ngaphezu kokufezekisa imibandela yesigaba 10.1 no-10.2, ngiyaqaphela ukuthi:
      1. Akukho ukubuyiswa kwezinto zendali yokuphela kwesizini okuzovunyelwa.
      2. Izingubo zokubhukuda kufanele zibe nestriphu sesivikelo esinamathiselwe.
      3. Ukubuyiswa kwezingubo ezinenye ithegi ekhethekile kuzovunyelwa kuphela uma leyo thegi isanamathele.
    4. Izinto ezingavunyelwe ukubuyiswa

      Akuvunyelwe ukubuyisa izingubo zangaphansi, amakhadi esipho, noma ubucwebe obubhoboza umzimba (obufaka namacici).

    5. Izimpahla Ezilimele

      Izimpahla ezinamaphutha asefektri ziyohoxiswa esikweletini noma zishintshwe ngokungenankinga uma:

      1. Izimpahla ezinjalo zibuyiselwa e-YDE zingakapheli izinyanga eziyi-6 (eziyisithupha) zidilivwe kimi.
      2. Nginganikeza ubufakazi bokuthengwa kwazo.
      3. Izimpahla ezithengiwe zibuyiselwa ezweni ezithengwe kulo.
      4. Izimpahla ezithengiwe zisetshenziselwe injongo yazo.
      5. Leyo nto kufanele ukuthi ibinakekelwe ngokwelebula lokuyiwasha/lokuyinakekela.

      Ukubona Inqubomgomo Yezimbuyiselo ephelele sicela uvakashele ku- www.yde.co.za.

  11. Izinhlawulo Nezindleko Ze-akhawunti
    1. Ngiyaqonda ukuthi i-YDE izongikhokhisa inhlawulo yezinsizakalo yaminyakayonke yezindleko ezivamile zokuphathwa komsebenzi 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-YDE iphelele. Ngokombono we-YDE le nhlawulo yezinsiza yaminyaka yonke ingase yenyuswe ngezikhathi ezithile uma ingeke yeqele ngale kwenani eliphezulu elishiwo eMthethweni Wezikweletu Kazwelonke, uma kunesidingo. Inhlawulo yezinsiza yaminyaka yonke ingase ngezikhathi ezithile ichithwe ngokombono we-YDE.
    2. I-YDE iyaligodla ilungelo lokungikhokhisa inhlawulo yokuvulwa kwe-akhawunti uma ngivula i-Akhawunti yami (inani elizochazwa eSilinganisweni futhi okungenzeka kufanele ngilikhokhe kusengaphambi kwesikhathi kunokuba linezelwe kwibhalansi engiyikweletayo).
    3. I-YDE iyaligodla ilungelo lokungikhokhisa:
      1. Inhlawulo yokusingatha i-Akhawunti yami uma ikweleta noma uma ngephula lesi sivumelwano, kanye nanoma yiziphi izindleko zokulandelela isikweletu i-YDE 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.
      2. Zonke izindleko ezihlobene nokudluliselwa kwe-Akhawunti yami enkampanini eqoqa izikweletu ukuze ifune izimali ezisilele.
    4. I-YDE ingase ikhokhise inhlawulo yesevisi encike kokuthengiwe futhi idonswe ku-akhawunti yami ngamasheke engiwakhiphile kodwa abuyiswa yibhange nganoma isiphi isizathu noma ngenxa yama-debit order angakhokhwanga yibhange ngenxa yokungabi nemali.
  12. Imibandela Ehlukahlukene
    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-YDE, kusebenza umthetho waseNingizimu Afrika.
    2. Ngizotshela i-YDE 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.
    3. Uma ngangine-Akhawunti yase-YDE ngaphambilini kodwa ngayivala eminyakeni emi-3 (emithathu) edlule ngafaka isicelo se-Akhawunti entsha yase-YDE, lapho-ke i-YDE inelungelo lokuhoxisa yonke imihlomulo ye-Akhawunti entsha.
    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.
    5. I-YDE 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.
    6. Noma yiluphi ulwazi oluphathelene nami i-YDE enelungelo lalo ngokwalesi sivumelwano lunganikwa noma yimuphi umthengi noma ludluliselwe kunoma ubani uma i-YDE idayisela lowo muntu ibhizinisi layo noma uma inkampani enjalo ithola ilungelo lokuphatha i-YDE.
    7. Noma iyiphi inkululeko noma ilungelo engilinikwa i-YDE ngeke libhekwe njengokulahla kwe-YDE amalungelo ayo ngokwalesi Sivumelwano Sesikweletu.
    8. Uma ngenxa yezinkokhelo engizenze ku-Akhawunti yami isitatimende sami sanyanga zonke se-akhawunti sibonisa ibhalansi yekhredithi kuleyo Akhawunti, ngiyaqonda ukuthi i-YDE ngokomthetho izobheka lezo zimali ezikhokhiwe njengempahla yami, ingigcinele lezo zimali futhi ibe nesikweletu esingenayo inzalo ezincwadini zayo ze-akhawunti yalezo zimali. Uma ngingahlosile ukusebenzisa leyo bhalansi yekhredithi ukuthenga izimpahla esikhathini esizayo, ngiyaqonda ukuthi i-YDE ngesicelo sami esibhaliwe iyobuyisela lezo zimali kimi ngokuzifaka ku-akhawunti yasebhange eqokwe yimi futhi yaqinisekiswa yi-YDE. Ngiyaqonda ukuthi uma sekudlule iminyaka emi-3 ngemuva kosuku ibhalansi yekhredithi ebonakale ngalo ku-Akhawunti yami futhi ngiqhubeka ngingayisebenzisi, i-YDE ngokwesinqumo sayo ingabheka leyo bhalansi yekhredithi njengephelelwe yisikhathi, engasagcinwanga njengempahla yami futhi engasenakubuyiselwa kimi.
  13. Izimpikiswano Nezikhalo Ze-akhawunti
    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 (0861662837)

      Ifeksi: 086 683 4644

      I-imeyili: [email protected]

      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 Wezezikweletu Kazwelonke angaxhunywa kuleli kheli:

      Ucingo: (0)11 554 2600 or 0860 627 627

      Ifeksi: (0)11 554 2771

      I-imeyili: [email protected]

      Ikheli Lomgwaqo: 127 15th Road, Randjespark, Midrand, South Africa

      Ikheli Leposi: PO Box 209, Halfway House, 1685, South Africa


      IKhomishane Labathengi Likazwelonke lingathintwa ngale mininingwane:

      Share Call Number: 0860 266 786

      Ifeksi: 0861 515 259

      I-imeyili: [email protected]

      Iwebhusayithi: www.thencc.gov.za

    2. Uma nginombuzo mayelana nobuqiniso besitatimende sami se-akhawunti sanyanga zonke noma kunempikiswano nganoma yini engiyithengile noma omunye umsebenzi obonakala kuso, ngizokwazisa i-YDE zingakapheli izinsuku ezingama-60 (amashumi ayisithupha) kusukela ngosuku lwaleso sitatimende.
  14. Ukwelulekwa Ngezikweletu

    Lesi sigaba sithinta ama-akhawunti avulwe eNingizimu Afrika kuphela.


    Ngiyaqinisa ukuthi ngesikhathi sokufaka isicelo se-Akhawunti yami yase-YDE 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:

    1. Thintana nanoma imuphi umeluleki wezezikweletu.
    2. Khokha inani elinqunyiwe bese ugcwalisa ifomu olinikwa ngumeluleki wezezikweletu.
    3. Umeluleki wezezikweletu uzohlaziya izikweletu bese enza isinqumo sokuthi ukunikezwa kwale Akhawunti Yesikweletu kwakuwubudedengu yini.
    4. Uma ngangingacwilanga ezikweletini ngesikhathi kukhishwa le Akhawunti Yesikweletu, khona-ke umeluleki wezezikweletu angamisa inqubo yokuhlaziya futhi ngizoqhubeka nginecala e-YDE.
    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.
    6. Uma ngingacwilile ezikweletini, kodwa umeluleki wezezikweletu ekholelwa ukuthi ngizoba nobunzima bokukhokhela isikweletu sami, lapho-ke umeluleki wezezikweletu angenza izincomo ku-YDE futhi mina ngivuma ngokuzithandela ukuba kwenziwe uhlelo olusha lwesikweletu.
  15. Ababambiqhaza Besivumelwano Nokusebenza Kwaso
    1. Ngiyaqonda ukuthi:
      1. Umniki-sikweletu ngokwemibandela yalesi Sivumelwano Sesikweletu yi-Truworths Limited (inombolo yokubhaliswa: 1940/013923/06), engumhlinzeki wezikweletu obhalisiwe ngaphansi kwenombolo ethi NCRCP45 ka-No. 1 Mostert Street, Cape Town, South Africa, i-YDE yaku-No 1 Mostert Street, Cape Town, South Africa esebenza njengenxusa layo ekwenzeni lesi Sivumelwano nami. I-YDE ingase ixhunywe kulesi sikhundla ngemininingwane echazwe esigabeni 23.

        I-Truworths Limited ingaxhunywa ku-:


        Ucingo: +27 (0)21 460 7911


        Ifeksi: +27 (0)21 460 7277

        I-imeyili: [email protected]

      2. Ngingumthengi/onikwa isikweletu futhi amakheli ami ngiwanikeze eSilinganisweni noma eSicelweni noma ngawashintsha encwadini engayibhalela i-YDE.
      3. Akukho nani elikhokhiwe noma okufanele likhokhwe yimi njengenkokhelo yokuqala (okuwukuthi, idiphozi) ngokwalesi Sivumelwano Sesikweletu.
      4. ISivumelwano Sesikweletu siphathelene nezingubo zemfashini nezinto ezihambisana nazo, kubandakanye ubucwebe, izimonyo kanye/nanoma yimiphi eminye imikhiqizo noma amasevisi, izinto ezichazwe kuma-invoyisi engiwanikwa ngemva kokuthenga ezitolo zase-YDE kanye/noma kuwebhusayithi yase-YDE.
    2. Ngiyaqinisa ukuthi nginelungelo elingokomthetho lokungena kulesi Sivumelwano.
  16. Ukuqeda Isikweletu Ngaphambi Kwesikhathi

    Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingakhokhela iSivumelwano Sesikweletu e-YDE ngaphambi kwesikhathi ngokukhokhela i-YDE 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.

  17. Ukuvala Kwekhasimende I-akhawunti

    Ngiyaqonda ukuthi nganoma yisiphi isikhathi ngingachitha iSivumelwano Sesikweletu ne-YDE ngokukhokhela i-YDE inani lesikweletu (njengoba kushiwo ngenhla) engilikweleta ku-Akhawunti yami ngosuku lokuchitha isivumelwano. Uma kungekho nani elinjalo engilikweletayo ngiyaqonda ukuthi kumele ngitshele i-YDE ngenhloso yami yokuchitha iSivumelwano Sesikweletu.

  18. Umkhawulo Wesikweletu kanye/noma Umkhawulo We-akhawunti Onqunywa Yikhasimende

    Ngiyaqonda futhi ukuthi ngencwadi eya e-YDE 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.

  19. Izichibiyelo Zesivumelwano

    I-YDE ngencwadi ebhaliwe yezinsuku okungenani ezi-5 (ezinhlanu) zebhizinisi ingashintsha le mibandela nemigomo uma nje ushintsho olunjalo lunciphisa icala lami ngaphansi kweSivumelwano Sesikweletu ne-YDE, 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-YDE futhi lubhalwe phansi.

  20. Ukuphela Kwesivumelwano

    I-YDE izoba nelungelo, ngaphandle kokungazisa, lokudlulisela noma yimaphi amalungelo ayo nokwabelana nganoma yiziphi izibopho zayo ngokwalesi Sivumelwano Sesikweletu kunoma imuphi omunye umuntu wesithathu.

  21. Ukudalula Izivumelwano Ezenziwe Ngaphambi Kuka-1 Juni 2007

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

    1. Intengo yazo zonke izinto ezidayiswayo engizozidayiselwa yi-YDE ngesikhathi sokusebenza kwe-Akhawunti Yesikweletu esivuselelwayo.
    2. Inani lezinye izinhlawulo okukhulunywa ngazo kule ncwadi ezizoba yingxenye yebhalansi engiyikweletayo.
    3. Ingxenye esebenzayo yebhalansi engiyikweletayo eyisikweletu esikhulu.
    4. Inani lenzalo noma izinhlawulo zezimali ezizokhokhiswa engxenyeni efanele yebhalansi engiyikweleta ngokwesigaba 4 sale ncwadi.
    5. Izinga lenzalo ezokhokhiswa, eyaziwa nangokuthi izinga lenhlawulo yemali yaminyakayonke, ngokwesigaba 4 sale ncwadi engxenyeni efanele yebhalansi engiyikweletayo.
    6. Izinsuku, isibalo namanani ezitolimende zanyanga zonke uma ngikhokhela ibhalansi engiyikweletayo.
  22. Ukunqanyulwa Kwesivumelwano

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

  23. Ukudalula Ngokomthetho Wokuvikelwa Kwabathengi

    I-YDE isebenza njengenxusa labasiki/labenzi bengqephu ekudayiseni izinto zemfashini futhi lapha ihlinzeka ngolwazi oluthe xaxa olungashiwongo ngenhla, olufunwa yisigaba 27 soMthetho Wokuvikelwa Kwabathengi kanye nomthetho 9 weZimiso ezishiwo lapha.


    I-YDE ingathintwa kule mininingwane:

    YDE kan gekontak word by:

    Ucingo: 021 460 2500

    Ikheli Leposi: Posbus 4775, Kaapstad, 8000, Suid-Afrika

    Ifeksi: 021 460 7277

    I-imeyili: [email protected]

    Umxhumanisi wezindaba zomphakathi e-YDE ngu-Reon Smit, okungaxhunyanwa naye kule nombolo +27 (0)21 460 7911.

    YDE/TC/Z/7/2023


YOUNG DESIGNERS EMPORIUM (PTY) LTD Nmr. ya ngodiso 1956/003229/07
No. 1 Mostert Street, Cape Town, South Africa (eo ho tloha mona e tla bitswa “YDE”)
DITLHOKO LE DIPEHELO TSA YDE BAKENG SA KOPO YA, LE PHANO YA MOKITLANE, LE THEKISETSO TSA YDE

MELAO LE MAEMO A YDE A THEKISO LE HO FUMANA KA KREDITI

  1. Tumellano ya Mokitlane
    1. Ke utlwisisa hore Tumellano ya Mokitlane, e mabapi le Phumantsho ya Mokitlane e iphetaphetang (“Phumantsho ya Mokitlane”), e entswe dipakeng tsa ka le YDE.
    2. Tumellano ya Mokitlane ya ka le YDE e thehilwe ke Foromo ya Kopo ya Akhaonto (haeba foromo e jwalo e tlatsitswe le ho saenwa ke nna) (“Kopo”) le/kapa Setatemente sa Tumellano le Khoteishene (“Khoteishene”) haeba e lokeleha le/kapa lengolo le saennweng ke YDE le tsebisang hore Phumantsho ya Mokitlane e fanwe ho nna, mmoho le ditlhoko le dipehelo tse tekilweng tokomaneng ena le sehlomathiso sefe kapa sefe se entsweng Tumellanong ya Mokitlane ya ka e rekotilweng ka mongolo le ho dumelwa ke nna.
    3. Ke utlwisisa hore ditlhoko le dipehelo tse amehang bakeng sa Tumellano ya Mokitlane ya ka le dithekiso tsa thepa tse etswang ke YDE ka nako yohle di tla laolwa ke melawana ya Molao wa Mekitlane wa Naha Nmr. 34 wa 2005 (“Molao wa Mekitlane wa Naha”) le Molao wa Tshireletso ya Bareki 68 wa 2008 (“Molao wa Tshireletso ya Bareki”) haeba ho lokeleha, le molao ofe kapa ofe o mong o sebetsang, mme mabapi le kgohlano ya ditabatabelo dipakeng tsa ketsomolao efe kapa efe le ditlhoko le dipehelo tsena ketsomolao e tla latelwa.
  2. Moedi wa Mokitlane, Moedi wa Akhaonto le Dikeketso
    1. Moedi wa Mokitlane

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

    2. Moedi wa Akhaonto

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

  3. Karete le Merero ya Tefo

    YDE e tla nthomella karete ya ditheko (“Karete” ya ka) eo ke tla ikarabella bakeng sa yona. Haeba Karete ya ka e utswitswe kapa e lahlehile, ke tla tsebisa lebenkele la YDE le haufi le nna kapa ke ikopanye le Mohala wa Thuso wa Ditshebeletso tsa Bareki ho +27 021 460 2500. Nka nna ka sebedisa Karete ya ka ho reka thepa (me)morerong e fapaneng e fumanehang naheng eo akhaonto ya ka e butsweng ho yona mme e sebetsang bakeng sa thepa e jwalo ho latela ka moo YDE ka boikgethelo ba yona e le nngwe e laotseng ka nako ya theko eo.

  4. Tswala
    1. Sekgahla se Dumellanweng

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

    2. Sekgahla sa Referense

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

    3. Phetolo Sekgahleng se Dumellanweng

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

    4. Tswala e Theotsweng kapa e Nyahladitsweng

      Ke utlwisisa hore Sekgahla se Dumellanweng se ka nna sa theolelwa sekgahleng se tlase sa tswala kapa sa tlohelwa ka ho phethahala dikgweding tse 6 tse kgethehileng le merero e meng ya tefo haeba di fumaneha ho nna ka boikgethelo ba YDE, ka pehelo ya hore Akhaonto ya ka ha e salle morao ditefellong empa haeba e salla morao YDE e tla lefisa tswala Akhaontong ka Sekgahla sa Tswala se Hodimodimo.

    5. Ho Thibela Tswala Diakhaontong tse Saletseng Morao ka Ditefello

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

    6. Ho Lefisa le ho Nyahlatsa Tswala

      Tswala e lefiswa mme e ka nna ya nyahlatswa Akhaontong ya ka maemong a latelang:

      1. Merero e Nyahladitsweng Tswa
        1. Ke utlwisisa hore haeba ke lefa balanse e kolotwang Akhaontong (k.h.r. kakaretso ya akhaonto) ho YDE pele ho letsatsi le behilweng la tefo (jwalo ka ha le bontshitswe setatementeng sa ka sa kgwedi le kgwedi), ha ho tswala e tla lefiswang.
        2. Ke utlwisisa ho feta mona hore haeba ke lefa tjhelete e lokelang ho lefuwa (k.h.r. instolemente ya kgwedi le kgwedi) ho YDE pele ho letsatsi le behilweng la tefo, ha ho tswala e tla lefiswa bakeng sa kgwedi eo.
        3. Ho feta mona ke utlwisisa hore haeba ke sa lefe tjhelete e lokellang ho lefuwa ho YDE, kapa ke lefa tjhelete e ka tlase ho e lekantsweng ho YDE ka letsatsi le behilweng la tefo, tswala e tla lefiswa bakeng sa nako e dipakeng tsa matsatsi a setatemente sa kgwedi e fetileng le setatemente sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase mona ka Sekgahla sa Tswala se sa feteng se Hodimodimo se fanweng ho latela temana ya 4.6.3.2 ka tlase mona mme nka nna ka ikarabella bakeng sa ditefiso tsa tlatsetso tsa molao.
      2. Merero e fanang ka tswala
        1. Ke utlwisisa hore haeba ke lefa balanse e kolotwang Akhaontong (k.h.r. kakaretso ya akhaonto) ho YDE pele ho letsatsi le behilweng la tefo (jwalo ka ha le bontshitswe setatementeng sa ka sa kgwedi le kgwedi), ha ho tswala e tla lefiswang.
        2. Ho feta mona ke utlwisisa hore haeba ke lefa feela tjhelete e lokelang ho lefuwa (k.h.r. instolemente ya kgwedi le kgwedi) ho YDE, tswala e tla lefiswa bakeng sa nako e dipakeng tsa setatemente sa kgwedi e fetileng le sa hajwale ka mokgwa o hlakisitsweng temaneng ya 4.6.3.1 ka tlase ho Sekgahla se Dumellanweng se boletsweng temaneng ya 4.1 ka hodimo mona.
        3. Ke utlwisisa hape hore haeba ke sa lefe tjhelete e lokelang ho lefuwa, kapa ke lefa tjhelete e ka tlase ho tjhelete e behilweng ho YDE ka letsatsi le behilweng la tefo, tswala e tla lefiswa bakeng sa nako e dipakeng tsa setatemente se fetileng le sa hajwale sa kgwedi le kgwedi ka mokgwa o hlalositsweng temaneng ya 4.6.3.1 ka tlase mona ka tjhelete e sa feteng Sekgahla sa Tswala se sebetswang ho latela temana ya 4.6.3.2 ka tlase mona mme nka nna ka tlameha ho lefa ditefiso tsa molao tsa tlatsetso.
      3. Ho sebetswa ha tswala
        1. Tswala e sebetswa ka tsela e bonolo ya letsatsi le letsatsi ka ho sebedisa mokgwa o latelang: Balanse e setseng e kolotwang Akhaontong e arolwa ka palo ya matsatsi a selemo, le ho atiswa ka sekgahla sa tswala se lefiswang ho latela tumellano ya ka ya mokitlane ho fumana tswala e kolotwang ka letsatsi. Tswala ya letsatsi le letsatsi e fumanweng ka tsela ena e bokellanywa bakeng sa matsatsi a setatemente sa kgwedi e fetileng le sa hajwale le ho kopanngwa ho balanse e kolotwang Akhaontong ka letsatsi la setatemente sa kgwedi le kgwedi sa hajwale.
        2. Molao wa Mekitlane wa Naha o bolela Sekgahla se Hodimodimo sa Tswala se ka lefiswang ka papiso le sekgahla seo dibanka di lefiswang tswala ka sona (repo rate), se lekanngwang nako le nako ke Banka ya Risefe ya Afrika Borwa.
  5. Disetatemente, Ditefello le Ho Tlolwa ke Ditefello
    1. Disetatemente

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

    2. Ditefo
      1. Ke dumela hore ditefo tsa akhaonto ya ka di ka etswa naheng eo akhaonto ya ka e butsweng ho yona. Ke dumela ho lefa YDE e seng ka tlase ho tefo e lokelang ho etswa kgwedi ka nngwe, ntle le ho hlakolana ha mekitlane kapa dikgulo tse etswang, pele ho kapa ka letsatsi le behilweng la tefo mme ke tiisa nke ke ka ba le tokelo ya ho hokela dipehelo dife kapa dife Tefong efe kapa efe e etswang ho YDE. YDE e tla lefa tefo ka nngwe eo ke e etsang Akhaontong ya ka ka letsatsi la kamohelo ya tefo e jwalo ka tsela e latelang: ya pele ke ho lefa ditefello dife kapa dife tsa tswala tse lokelang ho lefuwa kapa tse sa lefuwang, ya bobedi ke ho lefa ditefiso dife kapa dife tse lokelang ho lefuwa kapa tse sa lefuwang, ditjeo kapa ditefello le borarong ho fokotsa tjhelete ya mokitlane wa sehlooho.
      2. Ke tla ba le kgetho, haeba ke na le akhaonto ya dipolokelo, ya diphetiso kapa ya tjheke, ho etsa kopo ya debite otara bakeng sa tefo ya tjhelete e lokelang ho lefuwa ho YDE kgwedi ka nngwe. Debite otara e tla bolela hore tefo e tla hulwa ka letsatsi lefe kapa lefe la kgwedi le kgethilweng ke nna. YDE e na le tokelo ya ho teka tefiso ya debite otara hape ho banka ya ka le matsatsing a sa bolelwang ke nna debite otareng ho fihlela nako eo ditlameho tsa ka tsa mokitlane di phethilweng.
    3. Ho Tlolwa ke Ditefello le Phediso ya Akhaonto
      1. Ke dumela hore ke tla be ke tlotswe ke tefello tlasa tumellano ena haeba:
        1. Ke hloleha ho lefa bonyane 90% ya tjhelete e lokelang ho lefuwa ka letsatsi le behilweng la tefo.
        2. Akhaonto ya ka kamora mona e dula e saletse morao ditefellong bakeng sa matsatsi a fetang a 30 (mashome a mararo) a latelanang a tla fihla ntle leha nka lefa bonyane 90% ya tjhelete e lokelang ho lefuwa ka letsatsi le latelang le behilweng la tefo.
      2. Haeba ke hloleha ho ikamahanya le dipehelo tsa tumellano ena kapa haeba lefa la ka le phethiswa haeba ke eshwa kapa haeba ke tlotswe ke tefello ya ditlameho tsa ka ho YDE jwalo ka ha ho hlalositswe temaneng ya 5.3.1 ka hodimo mona, mme jwale:
        1. Ditjhelete tsohle tseo ke di kolotang YDE di tla tshwanela le ho tlameha ho lefuwa hanghang.
        2. YDE e ka fanyeha Phumantsho ya ka ya Mokitlane.
        3. YDE e ka fokotsa Moedi wa Mokitlane wa ka le/kapa Moedi wa Akhaonto ntle le ho ntsebisa.
      3. YDE ho feta mona, ha e fane ka tsebiso ya nako ya matsatsi a 20 (mashome a mabedi) a kgwebo, e ka fedisa Phumantsho ya ka ya Mokitlane ka ho ipapisa le dipehelo tse amehang tsa Molao wa Mekitlane wa Naha, haeba ho lokeleha, e ka hloka hore ke lefe balanse e kolotwang Akhaontong ya ka hanghang.
  6. Ditheko tse sa Dumellwang Akhaontong ya ka

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

  7. Inshorense ya Tshireletso ya Balanse ya Akhaonto

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

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

  8. Tlhahisoleseding ya Sephiri le ya Botho
    1. Ke dumela hore YDE e ka kopa le ho amohela tlhahisoleseding efe kapa efe ya ka ya sephiri le ya bareki ho tswa ho biro efe kapa efe ya mekitlane, rejistareng e nngwe kapa ho motho ya ka thoko ka nako efe kapa efe, ho kenyeletswa ho kopa dintlha tsa mekitlane ho biro le ho netefatsa hore tumelo ena e kenyeletsa hape le tlhahisoleseding e jwalo e se ntse e amohetswe ke YDE. YDE hape e ka arolelana ka tlhahisoleseding ena ya sephiri le ya moreki ya mekitlane (ho kenyeletswa tlhahisoleseding e mabapi le ho se ikamahanye le ditlameho tsa ka tlasa Tumellano ya ka) mmoho le tlhahisoleseding efe kapa efe e mabapi le Akhaonto ya ka, ho kenyeletswa Kopo ya ka, ho bulwa le ho kwalwa ha Akhaonto ya ka, le mofani ofe kapa ofe le biro ya mekitlane bakeng sa, hara dintho tse ding, merero ya dibiro tse jwalo tsa mekitlane ya ho arolelana ka tlhahisoleseding e jwalo le bafani ba bang ba mekitlane ba ka bang teng ba kamoso le dibiro tsa mekitlane. Ke utlwisisa hape hore biro ya mekitlane e fana ho bafani ba mokitlane ka profaele, le mohlomong hape dintlha tsa ka tsa bokgoni ba mekitlane, ka ho ipapisa le tlhahisoleseding eo YDE e e arolelanang le biro e jwalo.
    2. Ke utlwisisa hore tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane e ka sebediswa ke YDE bakeng sa dipapatso tsa mebaraka le merero e meng ya tlatsetso le bakeng sa tekolo ya kotsi le manollo le ho aba dintlha le bakeng sa mabaka a akaretsang a kgwebo ya YDE. Ka kopo sheba Leano la Sephirila rona bakeng sa tlhahisoleseding e eketsehileng.
  9. Dibiro tsa Mekitlane
    1. YDE e ka hlahisa tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane jwalo ka ha ho hlakisitswe ka hodimo mona, ho dibiro tsa mekitlane e latelang:
      1. Compuscan
        Mohala: +27 (0)21 888 6000
        Fekse: +27 (0)21 883 2336
        Imeile: [email protected]
        Aterese ya Sebaka: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
        Aterese ya Poso: PO Box 1028, Stellenbosch, 7599, South Africa
      2. Experian
        Mohala: +27 (0)11 799 3400 kapa 086 110 5665
        Fekse: +27 (0)11 707 6700/6786
        Imeile: [email protected] or [email protected]
        Aterese ya Sebaka: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
        Aterese ya Poso: PO Box 98183, Sloan Park, 2152, South Africa
      3. TransUnion
        Mohala: 0861 482 482
        Fekse: +27 (0)11 388 2454
        Imeile: [email protected]
        Aterese ya Sebaka: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
        Aterese ya Poso: PO Box 4522, Johannesburg, 2000, South Africa
      4. XDS
        Mohala: +27 (0)11 645 9100
        Fekse: +27 (0)11 484 6588
        Imeile: [email protected]
        Aterese ya Sebaka: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
        Aterese ya Poso: PO Box 30987, Braamfontein, 2017, South Africa
      5. Ditshebeletso tsa Thibelo ya Boqhekanyetsi Afrika Borwa (South African Fraud Prevention Services)
        Helpline: 0860 101 248
        Mohala: (0)11 867 2234
        Fekse: 011 867 2315
        Imeile: [email protected]
        Aterese ya Sebaka: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
        Aterese ya Poso: PO Box 2629, Alberton, 1450, South Africa.
      6. le dibiro tse ding tsa mekitlane tseo YDE e ka sebedisanang le yona nako le nako.

    2. Ke utlwisisa hore ka nako efe kapa efe nka ikopanya le biro ya mekitlane mme ka kopa hore ke senolelwe tlhahisoleseding ya ka ya bareki. Ho feta mona nka hanyetsa tlhahisoleseding efe kapa efe e tshwerweng ke biro ya mekitlane eo ke dumelang hore ha e a nepahala.
    3. YDE hape a ka fana ka tlhahisoleseding ya ka ya sephiri le ya moreki ya mekitlane le ditlwaelo tsa ho etsa ditheko ho dikhampani tse sebeletsanang le yona kapa makalana kapa mang kapa mang ya amehang mabapi le thibelo le tshireletso kgahlanong le tlolo ya molao.
    4. Ke utlwisisa hore ho latela dipehelo tsa molao wa Afrika Borwa wa thibelo ya phetolelo ya tjhelete e tswang mesebetsing ya botlokotsebe hore e amohelehe, YDE e na le tlameho ya ho tlaleha dikgwebisano tse belaetsang kapa tse sa tlwaelehang tse amang diketso tse seng molaong ho latela ditlameho tse behilweng hodima dikgwebo mabapi le taba ena.
  10. Pusetso ya Thepa e Rekilweng
    1. Dipusetso le Diphapanyetsano

      YDE e tla ntumella ho kgutlisa kapa ho fapanyetsana ka thepa e rekilweng nakong ya matsatsi a 14 (leshome le metso e mene) ho tloha letsatsing la theko ha feela:

      1. Invoese ya pele kapa rasiti ya mpho e fanwa jwalo ka bopaki ba theko ha thepa e busetswa.
      2. Tekete (swing) ya theko e sa ntse e hoketswe.
      3. Ntho eo ha e a aparwa kapa ho sebediswa.
      4. Ntho eo e sa ntse e le boemong le pakaneng ya yona e ntjha.
      5. Ntho e rekisitsweng mmoho dimpho tsa promoushene di kgutliswa mmoho le mpho ya tsona.
      6. Ntho e kgutlisetswa naheng eo e rekilweng ho yona.
    2. Dipuseletso tsa tjhelete

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

      1. Ditlhoko tsohle tse boletsweng temaneng ya 10.1 ka hodimo mona di phethahaditswe
      2. Monga kredite karete le karete e amehang ba le teng bakeng sa pusetso ya kredite kareteng.
      3. Ha ho puseletso e tla sebetswa boemong ba ha rasiti ya mpho e fanwa ntle le haeba invoese ya pele le yona e fanwa ka nako e le nngwe.
    3. Leha ho le jwalo, ka hodimo ho ho phethahatsa maemo a behilweng temaneng ya 10.1 le 10.2, ke lemoha hore:
      1. Ha ho dipusetso tsa thepa e rekilweng ditheolelong tsa mafelong a sehla sa selemo tse tla dumellwa.
      2. Diaparo tsa ho sesa di tlameha ho ba le seterepe se hoketsweng.
      3. Dipusetso tsa diaparo tse nang le theke ya tlatsetso e kgethehileng di tla dumellwa feela haeba theke e jwalo e hoketswe.
    4. Thepa ha e kgutliswe

      Diaparo tsa kahare, dikarete tsa mpho, kapa mabenyane a kenngwang mmeleng (ho kenyeletswa masale) di ke ke tsa dumellwa.

    5. Thepa e Senyehileng

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

      1. Thepa e jwalo e kgutlisetswa ho YDE nakong ya dikgwedi tse 6 (tsheletseng) kamora hore ke e amohele.
      2. Nka fana ka bopaki ba theko.
      3. Thepa e kgutlisetswa naheng eo e rekilweng ho yona.
      4. Thepa e sebedisetswe morero oo e o etseditsweng.
      5. Ntho eo e tlameha hore e be e hlokometswe ho latela leibole ya ho hlatsuwa/tlhokomelo.

      Bakeng sa Leano le feletseng la Dipusetso ka kopo etelawww.yde.co.za.

  11. Ditefiso le Ditjeho tsa Akhaonto
    1. Ke utlwisisa hore YDE e tla ntefisa tefiso ya tshebeletso bakeng sa ditjeho tse tlwaelehileng tsa tsamaiso mme hajwale e mpha tokelo ya Ditsiane tsa Tshireletso Kgahlanong le Boqhekanyetsi. Tefiso e lefuwang ka nako e amehang e tla hlakiswa Khoteisheneng le/kapa ke e tsebiswe ka mongolo, mme e debitwe Akhaontong ya ka hang ka selemo. Tefiso ena ha e busetswe mme e tla lefiswa Akhaontong ya ka selemo ka seng ka nako eo e tla lokela ho lefuwa ho YDE ka botlalo. Ka boikgethelo ba YED tefiso ya selemo le selemo ya tshebeletso e ka eketswa nako le nako ha fela e sa tlo feta moedi o behilweng ke Molao wa Mekitlane wa Naha, haeba ho lokeleha. Tefiso ya tshebeletso ya selemo le selemo e ka behellwa thoko nako le nako ka boikgethelo ba YDE e le nngwe.
    2. YDE e na le tokelo ya ho ntefisa tefiso ya qalo ha ke bula Akhaonto ya ka (tjhelete ya yona e tla bolelwa Khoteisheneng mme e ka lefuwa ke nna e sa le qalong kapa pele ho fapana le hore e kopanngwe balanseng eo ke e kolotang).
    3. YDE e na le tokelo ya ho ntefisetsa:
      1. Tefiso ya ho tlolwa ke ditefello haeba Akhaonto ya ka e ka salla morao ditefellong kapa haeba nka tlola tumellano ena, mme ditjeho dife kapa dife tsa pokello ya mokitlane tseo YDE e ka bang le tsona ha e phethisa ditlameho tsa ka tsa ditjhelete tlasa tumellano ena ho kenyeletswa ditefiso tsa boramolao tse sa tlo feta tse dumeletsweng ke Molao wa Babuelli ba Molao, Molao wa Lekgotla le Phahameng, Molao wa Lekgotla la Maseterata le Molao wa Pokeletso ya Mekitlane. Ditefiso, ditefello le ditjeho tsena di ke ke tsa phahama ho feta ka moo di dumeletsweng ke Molao wa Mekitlane wa Naha, haeba ho lokeleha.
      2. Ditjeho tsohle tse amanang le phetisetso ya Akhaonto ya ka ho lekalana la pokeletso ya mekitlane bakeng sa ho fumana tjhelete e saletseng morao.
    4. Tefiso e ipapisang le tshebeletso e fanweng e ka lefiswa ke YDE le ho debitwa Akhaontong ya ka bakeng sa ditjheke tse fanweng ke nna le ho kgutliswa ke banka ka lebaka lefe kapa lefe kapa bakeng sa didebite otara tse sa sebetswang ke banka ka lebaka la ho hloka tjhelete akhaotong ya banka.
  12. Dipehelo tse Ding
    1. Ke kgetha aterese ya ka ya bodulo e boletsweng Khoteisheneng kapa Kopong ya ka (kapa aterese e jwalo e fapaneng e hlalositsweng ke nna ho latela temana ya 13.2) bakeng sa ho amohela tokomane efe kapa efe ya molao. Mabapi le Tumellano ena le dikgwebisano tsohle le YDE, molao wa Afrika Borwa o a sebetsa.
    2. Ke tla tsebisa YDE hanghang mabapi le phetoho efe kapa efe dintlheng tsa ka tsa boikopanyo ho kenyeletswa, mme e seng feela, bakeng sa aterese ya ka ya kgwebo, ya poso kapa ya bodulo, (di)nomoro ya ka ya founu ya lapeng, ya mosebetsi kapa ya selefounu, le aterese ya ka ya imeile.
    3. Haeba ke bile le Akhaonto ya YDE nakong e fetileng mme ka e kwala nakong ya dilemo tse 3 (tharo) kamora ho etsa kopo ya Akhaonto e ntjha ya YDE, YDE e na le tokelo ya ho hula diphano dife kapa dife tsa promoushene tse hokahaneng le Akhaonto ena e ntjha.
    4. Haeba ke nyetse/tswe ka lenyalo la kopanelo ya dithoto ke netefatsa hore ke fumane tumello ya molekane wa ka ya ho bula Akhaonto ena le ho amohela dikeketso ho Moedi wa Mokitlane le/kapa Moedi wa Akhaonto o sebetsang bakeng sa Akhaonto ya ka.
    5. YDE le makalana afe kapa afe a yona a dumeletsweng e tla ba le tokelo ya ho disa le/kapa ho rekota (di)puisano tsa ka tsa founu kapa selefounu tseo ke di etsang le basebetsi bafe kapa bafe ba yona bakeng sa merero ya thupelo, dipokeletso tsa mokitlane kapa bakeng sa sehopotso sa kamoso.
    6. Lesedi lefe kapa lefe le mabapi le nna leo YDE e ka bang le tokelo ho lona ho latela tumellano ena le ka fumaneha ho moreki ofe kapa ofe ya ka bang teng kapa ya fetiseditsweng ho motho ofe kapa ofe haeba YDE e e rekisetsa kgwebo ya yona ho motho ya jwalo kapa haeba motho ya jwalo a fumane taolo ya YDE.
    7. Nolofaletso kapa nyehlisetso efe kapa efe eo ke e fuweng ke YDE e ke ke ya nkuwa jwalo ka nyahlatso ya ditokelo tsa YDE ho latela Tumellano ena ya Mokitlane.
    8. Haeba ka lebaka la tefo eo ke e entseng Akhaontong ya ka, setatemente sa ka sa kgwedi le kgwedi se bontsha balanse e ka hodimo Akhaontong eo, ke utlwisisa hore YDE, ka molao, e tla sebetsa ditjhelete tseo ke di lefileng jwaloka thepa ya ka, e tshware ditjhelete tseo molemong wa ka mme e eketse boikarabelo bo se nang tswala dibukeng tsa yona tsa akhaonto bakeng sa ditjhelete tse kang tseo. Haeba ke sa ikemisetsa ho sebedisa balanse eo ya sekoloto bakeng sa ho reka dintho nakong e tlang, ke utlwisisa hore YDE, ha ke entse kopo ka mongolo, e tla kgutlisetsa ditjhelete tseo ho nna ka ho di kenya akhaontong ya banka e kgethilweng ke nna mme ya netefatswa ke YDE. Ke utlwisisa hore kamora hoba dilemo tse 3 di fete kamora letsatsi leo ka lona balanse e ka hodimo e hlahelle Akhaontong ya ka mme e ntse e so sebediswe ke nna, YDE ka boikgethelo ba yona e ka tshwara balanse ena ya sekoloto jwaloka e felletsweng ke nako, e sa tshwarwang jwaloka thepa ya ka mme e se e sa tlamehe ho kgutlisetswa ho nna.
  13. Dikganyetsano le Ditletlebo tsa Akhaonto
    1. Nka nna, ka nako efe kapa efe, ka fetisetsa tletlebo e mabapi le Tumellano ena ho moemedi wa tharollo ya dikgohlano ya fapaneng, lekgotla la bareki kapa kapa fetisetsa kganyetsano e mabapi le Tumellano ena ya Mokitlane ho Monamodi wa Mekitlane, Khomishene ya Naha ya Bareki kapa Molaodi wa Mekitlane haeba akhaonto ya ka e butswe Afrika Borwa, kapa setheong kapa bolaoding bofe kapa bofe bo lokelehang kahara naha eo ke butseng akhaonto ya ka ho yona.

      Monamodi wa Mekitlane a ka fumanwa ho:

      Mohala: 0861 OMBUDS (0861662837)

      Fekse: 086 683 4644

      Imeile: [email protected]

      Aterese ya Sebaka: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa

      Aterese ya Poso: PO Box 805, Pinegowrie, 2123, South Africa

      creditombud.org.za


      Molaodi wa Naha wa Mekitlane a ka Fumana wa ho:

      Mohala: (0)11 554 2600 or 0860 627 627

      Fekse: (0)11 554 2771

      Imeile: [email protected]

      Aterese ya Sebaka: 127 15th Road, Randjespark, Midrand, South Africa

      Aterese ya Poso: PO Box 209, Halfway House, 1685, South Africa


      Khomishene ya Bareki ya Naha e ka fumanwa ho:

      Nomoro ya Mohala wa Karolelano ya Ditjeo: 0860 266 786

      Fekse: 0861 515 259

      Imeile: [email protected]

      Webosaete: www.thencc.gov.za

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

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

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

    Tshebetso e lokelang ho latelwa ke:

    1. Ho ikopanye le moeletsi ofe kapa ofe wa mekitlane.
    2. Ho lefa tefiso e lokelang le ho tlatsa foromo e fanweng ho nna ke moeletsi wa mekitlane.
    3. Moeletsi wa mekitlane o tla etsa tlhahlobo ya mekitlane le ho fana ka qeto mabapi le hore na ho etswa ha Phumantsho ena ya Mokitlane ho entswe ka bohlaswa.
    4. Haeba ke ne ke sa imelwa ke mekitlane ka nako eo Phumantsho ya Mokitlane ena e etswang, moeletsi wa mekitlane o tla fedisa tshebetso ya tlhahlobo ya mekitlane mme ditlameho tsa ka ho YDE di tla tswela pele.
    5. Haeba ke ne ke imetswe ke mekitlane ha Phumantsho ena ya Mokitlane e ne e etswa, moeletsi wa mekitlane o tla etsa kgothaletso le ho e fetisetsa ho Lekgotla kapa Lekgotlana le amehang bakeng sa hore tumellano e phatlalatswe e bile e bohlaswa.
    6. Haeba ke sa imelwa ke mekitlane, empa moeletsi wa mekitlane a dumela hore ke tla ba le mathata a ho lefa mokitlane wa ka, ke moo moeletsi wa ka wa mekitlane a tla hlahisa hore YDE le nna re sekaseke le ho dumellana ka morero wa tlhophisobotjha ya mokitlane.
  15. Mahlakore le Kakaretso ya Tumellano
    1. Ke utlwisisa hore:
      1. Mofani wa mokitlane ho latela Tumellano ya Mokitlane ke Truworths Limited (nomoro ya ngodiso ke 1940/013923/06), e ngodisitsweng jwalo ka mofani wa mekitlane tlasa nomoro ya NCRCP45 ya 1 Mostert Street, cape Town, South Africa, eo lebitsong la YDE e Nmr. 1 Mostert Street, Cape Town, South Africa e sebetsang jwalo ka ejente maemong ana ho phetheleng Tumellano ena le nna. YDE ho ka nna ha ikopanngwa le yona maemong ana ka dintlha tse tekilweng temaneng ya 23.

        Truworths Limited ho ka ikopanngwa le yona ho:

        Mohala: +27 (0)21 460 7911

        Fekse: +27 (0)21 460 7277

        Imeile: [email protected]

      2. Ke moreki/moamohedi wa mokitlane mme diaterese tsa ka di jwalo ka ha ke fane ka tsona Khoteisheneng kapa Kopong kapa jwalo ka ha di hlomathisitswe ke nna ka mongolo ka tsebiso ho YDE.
      3. Ha ho tjhelete e kileng ya, kapa e hlokehang, ho lefuwa ke nna e le tefo ya qalo (k.h.r. jwalo ka diphositi) ho latela Tumellano ya Mokitlane.
      4. Tumellano ena ya Mokitlane e mabapi le diaparo le thepa ya feshene, ho kenyeletswa mabenyane, dihlahiswa tsa ditlolo le diselefounu le/kapa dihlahiswa kapa ditshebeletso tse ding, tse hlalositsweng diinvoeseng tse fanweng ho nna kamora ditheko tseo ke di entseng mabenkeleng a YDE le/kapa webosaeteng ya YDE.
    2. Ke netefatsa hore kena le maemo a molao a ho kenela Tumellano ena.
  16. Tefo e Feletseng Pele ho Nako

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

  17. Phediso ya Akhaonto ke Moreki

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

  18. Moedi wa Mokitlane le/kapa Ditekanyetso tsa Moedi wa Akhaonto ke Moreki

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

  19. Dihlomathiso tsa Tumellanong

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

  20. Tshielano ya Molao (Cession) ya Tumellano

    YDE e tla ba le tokelo, ntle le tsebo ya ka, ho ka sielana ka molao (fetisa) ditokelo dife kapa dife tsa yona le ho romeletsa (fetisa) boitlamo ba yona ho latela Tumellano ena ya Mokitlane ho motho wa boraro.

  21. Phatlalatso e Mabapi le Ditumellano tse Entsweng Pele ho la 1 Phupjane 2007

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

    1. Boleng ba theko ba thepa eo ke tla e rekisetswa ke YDE nakong ya Phumantsho ena ya Mokitlane e iphetaphetang.
    2. Tjhelete ya ditefello tse ding tse boletsweng tokomaneng ena e tla ba karolo ya balanse eo ke e kolotang.
    3. Karolo e amehang ya balanse e kolotwang ke nna e thehang mokitlane wa sehlooho.
    4. Tjhelete ya tswala kapa ditefello tsa tsa ditjhelete tse lefiswang karolong e amehang ya balanse e kolotwang ke nna ho latela temana ya 4 ya tokomane ena.
    5. Sekgahla sa tswala se tla lefiswa, seo ka tlwaelo se tsejwang ka hore ke sekgahla sa selemo le selemo sa tsa ditjhelete, ho latela temana ya 4 ya tokomane ena kapa karolo e emahang ya balanse e kolotwang ke nna.
    6. Matsatsi, palo le ditjhelete tsa diinstolemente tsa kgwedi le kgwedi moo ke tla lefa balanse eo ke e kolotang.
  22. Ho kgaolwa

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

  23. Tshenolo ho Latela Molao wa Tshireletso ya Bareki (Consumer Protection Act)

    YDE e sebetsa jwalo ka ejente bakeng sa baqapi/bahlahisi thekisong ya thepa ya feshene mme e fana mona ka tlhahisoleseding e jwalo ya tlatsetso e sa bolelwang ka hodimo mona, jwalo ka ha ho hlokeha ho latela karolo ya 27 ya Molao wa Tshireletso ya Bareki le molawana wa 9 wa Melawana e fanweng teng.

    YDE ho ka ikopanngwa le yona ho:

    YDE kan gekontak word by:

    Mohala: 021 460 2500

    Aterese ya Poso: Posbus 4775, Kaapstad, 8000, Suid-Afrika

    Fekse: 021 460 7277

    Imeile: [email protected]

    Moofisiri wa setjhaba wa YDE ke Reon Smit, eo ho ka ikopanngwang le yena ho +27 (0)21 460 7911.

    YDE/TC/S/7/2023