Credit Details
Your Details
Final Application Questions
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309232
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The entity that is identified in your pre-agreement statement and quotation as being the credit provider is referred to as “we/us”” below
The person who is the holder of the credit facility
(“you/your”)
1. Grant of a credit facility
1.1. Your application for a credit facility is subject to our credit assessment, approval criteria and conditions being satisfied. We have the discretion based on these criteria to decline or approve your application or we may offer you a different plan from the plan you selected on your application. We reserve the right to grant or refuse to grant you credit from time to time.
1.2. You agree to accept the credit facility we offer in the quotation. The quotation forms part of this agreement once we have accepted your application and you have signed and accepted the quotation.
1.3. We agree to grant the credit facility to you on the terms and conditions of this agreement.

2. Cost of credit and payment plan
2.1. The quotation sets out the total cost of the credit facility and it is important for you to note that:
2.1.1. the credit limit reflected in the quotation is the maximum amount made available to you under this credit facility at this time;
2.1.2. each instalment reflects the minimum amount of each instalment required in terms of our agreement with you, on the assumption that you use the total credit limit on the first (1st) day of this agreement;
2.1.3. the total of all instalments is calculated based on the assumption that you will have repaid this credit facility within the period indicated in the quotation.
2.1.4. You may use your credit facility to make purchases of goods and services on the various payment plans available and applicable to such purchases subject to the terms and conditions of this agreement.

3. Contact details
3.1. Please take note of the following contact details:
3.2. Contact centre: FeverTree Finance 011-268-6438;
3.3. National Credit Regulator: 0860 627 627 or 0860 NCR NCR;
3.4. National Consumer Tribunal: 012 394 1450;
3.5. Banking Ombudsman 0860 800 900 (only if we are a bank); and
Credit bureau(s): ITC Transunion 0861 482 482; XDS 011 645 9100 andExperian 0861 10 56 65.

4. How to interpret this agreement
4.1. In this agreement, the words on the left have the meanings set out on the right unless the context clearly shows that the parties intended a different meaning:
4.1.1. Agreement means this document, including the application, pre-agreement statement and quotation, and all written notices we send to you in accordance with the NCA from time to time.
4.1.2. Application means your application for the credit facility which preceded this agreement.
4.1.3. Business day means any day which is not a Saturday, Sunday or South African public holiday.
4.1.4. Chargeback means a transaction that is reversed because you have successfully disputed the transaction.
4.1.5. Credit facility means the credit facility we offer to you on the terms and conditions of this agreement.
4.1.6. Credit limit means the maximum amount made available to you in terms of this credit facility (being the credit limit specified in the quotation) or any changes to this limit from time to time.
4.1.7. Credit Provider means the entity reflected as such on your Pre-agreement statement and quote
4.1.8. Deferred amount at any time means the amount we calculate in terms of clause 9 at that time.
4.1.9. Initiation fee means the fee we may charge you when you sign this agreement to cover our costs at the start of thisagreement if not paid upfront.
4.1.10. NCA means the National Credit Act 34 of 2005 and its regulations, as amended or replaced from time to time.
4.1.11. Principal debt means the amount of the principal debt referred to in the quotation.
4.1.12. Quotation means the pre-agreement statement and quotation which is provided to you from the Supplier and via the email address provided by you.
4.1.13. Reference rate means the repurchase rate charged by the SA Reserve Bank, from time to time.
4.1.14. Service fee means the fee we may charge you on a monthly or other regular basis to cover our costs of administering this agreement.
4.1.15. Supplier means the person from whom you purchase goods and services using your credit facility.
4.1.16. VAT means value-added tax payable under the Value Added Tax Act 89 of 1991.

4.2. Reference to:
4.2.1. one gender includes the other gender;
4.2.2. the singular form of a word includes the plural;
4.2.3. the plural form of a word includes the singular;
4.2.4. a law or regulation is a reference to that law or regulation on the date you sign this agreement;
4.2.5. card is used interchangeably with credit facility
4.3. In the event of a conflict between the provisions of the quotation and those of this document, the provisions of the quotation apply.
4.4. This agreement is subject to the NCA and all other applicable legislation from time to time. If any provision of this agreement conflicts with any provisions of the NCA, the provisions of the NCA apply.
4.5. Where we are required to exercise discretion under this agreement, we will exercise our discretion in a reasonable manner.

5. Principal debt
5.1. You understand that:
5.1.1. every purchase of goods and services you have authorised on your credit facility will form part of the principal debt on which we will charge you interest; and
5.1.2. you must pay all amounts debited to the credit facility in terms of this agreement together with interest thereon to us in the manner set out in this agreement.

6. Use of your credit facility
6.1. When you use your credit facility to purchase goods and services, you must sign aquotation or sales voucher.
6.2. We may debit your credit facility with all transactions presented to us unless it can be proved that you did not authorise the supplier to process the transaction concerned.

7. Interest
7.1. Agreed rate
7.1.1. Your credit facility has a variable interest rate, meaning that the agreed interest rate applicable to the payment plan on your credit facility may vary from time to time directly in accordance with changes in the applicable reference rate.
7.1.2. Within 30 business days after any such variation takes effect, we will inform you in writing of the variation. Any notice of variation may be by sms, mail, fax, email or other electronic forms of communication.
7.1.3. Unless the agreed interest rate is reduced in the manner described below, interest will be charged on the payment plan applicable to your credit facility at the maximum rate applicable from time to time in terms of the NCA, or any re-enactment or replacement thereof and disclosed in your statement.
7.1.4. Interest is calculated on a daily basis on the daily closing balance of your credit facility. The daily interest so determined is aggregated for the period between the dates of the previous and current billings and added to the balance owing by you in terms of the credit facility on the date of current billing.

7.2. Reference rate
7.2.1. In respect of transactions on your credit facility, we have selected the maximum interest rate prescribed by the NCA for credit facilities as the rate for purposes of determining the agreed interest rate applicable to your credit facility.
7.2.2. The NCA currently stipulates the maximum interest rate that may be charged is as follows: the reference rate (meaning the repurchase rate charged by the SA Reserve Bank, from time to time) multiplied by 2.2 per annum plus 10 percentage points.

7.3. Default interest
7.3.1. Interest is calculated on the daily balance owing on your credit facility from time to time. You can minimise the amount of interest charged to your credit facility by making your total payment due (i.e. the monthly instalment) in full by the payment date as specified on your statement.
7.3.2. If you do not make such payment by such due date, default penalty interest will be charged in accordance with the NCA and your credit facility will be in arrears and you will therefore be in default of this agreement. The interest rate applicable while you are in default of, or have overdue payments under, this agreement be will the maximum interest rate that is prescribed in the NCA.

7.4. Discounted interest
7.4.1. Interest may be discounted ( i.e. reduced) on your credit facility at our discretion or if you are on a discounted interest payment plan. The waiving of interest is solely at our discretion and should you not pay the amount due, or pay a lesser amount than the amount due, to us by the payment due date, we reserve the right to terminate the discounted interest rate and in future to continue charging you interest on your credit facility in accordance with the preceding provision of clause 7 (and not this clause7.4) despite the credit facilitybeing brought up to date and it being a plan in terms of which interest is ordinarily discounted.
7.4.2. However, should you not pay the amount due, or pay a lesser amount than the amount due, to us by the payment due date, interest will be charged as stipulated in clause 7.3.2.

8. How we calculate the deferred amount
8.1. The deferred amount is the amount that you owe us under this agreement at any point in time and which you must repay to us. Interest is calculated on the deferred amount. The deferred amount may include the:
8.1.1. credit advanced;
8.1.2. interest;
8.1.3. fees and charges as set out in the quotation;
8.1.4. default administration charges (if relevant to this agreement); and
8.1.5. collection costs (if relevant to this agreement).
8.2. The deferred amount will be reduced by all amounts you pay to us to settle the principal debt or which we credit to your credit facility.

9. Credit limit
9.1. You cannot buy any goods and services with your credit facility if to do so means that you will exceed the credit limit.
9.2. You are responsible for managing your purchases within the credit limit.
9.3. If we accept a transaction that results in you exceeding the credit limit, it does not mean that we have extended or increased the credit limit on any permanent basis, but rather that we have allowed a temporary excess by way of indulgence only, at your special instance and request. You are obliged to immediately bring your credit facility in line with the agreed credit limit. You will be liable for payment of the full amount by which you exceed the credit limit.
10. Changes to the amount of the credit limit
10.1. You may at any time, by written notice to us, instruct us to reduce the credit limit in force that you will accept.
10.2. We may, by written notice to you, reduce the credit limit then in force. The reduction will be effective upon delivery of the written notice.
10.3. We may increase the credit limit only in accordance with your instructions and in accordance with the NCA.
11. Payment to suppliers
11.1. If we are not the suppliers of the goods or services purchased on your credit facility:
11.2. We have the right to pay suppliers the amount appearing on the voucher concerned, when the voucher is presented to us for payment and to debit your credit facility with the amount of these payments.
11.3. We will credit your credit facilility with the amount of a credit voucher when we receive a credit voucher from the supplier for goods and services you purchased using yourcredit facility
12. Disputes with suppliers
12.1. If we are not the suppliers of the goods or services purchased on your credit facility:
12.2. Unless we acted with gross negligence or fraudulent intent or in breach of this agreement, we will not be liable for any damages, costs, expenses or losses which you may suffer or incur as a result of, arising from, or in connection with:
12.2.1. any supplier’s refusal to accept your credit facility as payment;
12.2.2. any defective goods and services you bought from any supplier using your credit facility; and
12.2.3. any failure or malfunction of, or delay caused by any electronic terminal, or its supporting network, where the cause of this failure, malfunction or delay was not within our reasonable control, and you will not have the right to claim anything from us or institute any counterclaim against us or to apply set off against us on this basis.
12.3. No dispute between a supplier and you will give you the right to:
12.3.1. refuse to repay us for any payment we made to the supplier for goods and services you bought from the supplier using your credit facility;
12.3.2. instruct us to refuse to pay the supplier for the goods and services you bought from the supplier using your credit facility; or
12.3.3. instruct us to do a chargeback of a payment already made to the supplier for the goods and services you bought from the supplier using your credit facility.
12.4. Unless we acted with gross negligence or fraudulent intent, we will also not be liable for any damages, costs, expenses or loss which you may suffer or incur as a result of, arising from, or in connection with any fraudulent or otherwise unlawful or unauthorised use of your credit facility by any other person.
12.5. We do not act as the agent of any supplier, nor do we endorse the quality of any supplier’s goods or any services offered by a service provider. Therefore, unless we acted with gross negligence or fraudulent intent or in breach of this agreement, we will not be responsible to pay for any damages, costs, expenses or losses which you may suffer or incur as a result of, arising from, or in connection with any goods or services you bought from any supplier using your credit facility.

13. Repayments
13.1. You must repay the principal debt together with interest, charges and fees calculated in accordance with this agreement including the quotation). You must pay at least the minimum amount shown as payable on the statements we send you from time to time, by the due date reflected in these statements, without deduction or set off and you acknowledge that you will not be entitled to attach any condition to any payment made to us, even if you do not receive a statement.
13.2. You must make all your repayments in South African rand.
13.3. You may decide what method to use to make your payments, as long as we agree to this method and you make sure that we receive the payments on the dates on which they are due under this agreement. The fact that you choose the method does not in any way take away any part of your obligations under this agreement and any payment will only be properly made when we receive and process the payment.
14. You may pay amounts before they become due
14.1. You may prepay any amount you owe us under this agreement. We will credit each payment you make on the date we receive the payment. We will apply the payments as follows:
14.1.1. first to pay any interest that is due by you;
14.1.2. second to pay any fees or charges that are due;
14.1.3. third to reduce the amount of the principal debt that you still owe us.
14.1.4. No interest will accrue or be payable by us to you in respect of any amounts prepaid by you or otherwise standing to the credit of your credit facility.

15. Fees
15.1. We may change the service fees specified in the quotation by giving written notice to you, on condition that the service fees will never exceed the maximum amount which may be allowed under the NCA for this purpose from time to time.
15.2. The monthly service fee, where applicable, must be included in your monthly repayments.
15.3. We may charge the initiation fee specified in the quotation, on condition that the initiation fee will not exceed the maximum amount which may be prescribed in terms of the NCA for this purpose from time to time. The initiation fee will be included on your first statement unless paid upfront.
16. Set off
You will not be entitled to deduct any amount which we owe or may in the future owe to you from any amount which you owe or may in the future owe to us under this agreement.
17. It is your responsibility to check your statements
17.1. We will deliver a statement to you each month which will, among other things:
17.1.1. show all transactions relating to your credit facility;
show all interest and other charges debited or credited by us to your credit facility; and
17.1.2. inform you of the amount which you must pay us on or before the due date stated on the statement
17.2. The fact that you do not receive a statement in any particular month, does not free you from your obligations to pay any amount due to us under this agreement, as you can get information about your credit facility from us telephonically or electronically at any time.
17.3. We will deliver statements to you electronically.
17.4. Should you have a query regarding the correctness of your statement of credit facility or dispute regarding any merchandise purchase or other transactions reflected on it, you must notify us within 30 (thirty) days of the date of that particular statement, otherwise it will be deemed that your statement of credit facility is correct
17.5. Should you not receive your statement, you must bring this to our attention.

18. Screening of applications, instructions and transactions
18.1. We disclose to you that, in the event that the entity providing you with credit is part of a global financial institution, we comply and will in future comply with international and local anti-money laundering, counter terrorist financing, financial sanctions and prohibited business activity laws, regulations, policies and requirements (“laws”). Accordingly, we may initially screen, verify and process all new applications for credit and all related information, including your application and the information you provide to us.
18.2. If we accept your application, we will continue to monitor all information and instructions which you give us or which are delivered to us on your behalf from time to time, as well as all transactions which you or anyone else concludes using your credit facility. We will also continuously monitor our business relationship with you.
18.3. This may result in your instructions to us and your credit facility transactions being prohibited, limited or delayed. This may even result in your credit facility being declined or our business relationship with you terminating. To the extent permitted, we will let you know of any action we intend to take in compliance with these laws.
18.4. You acknowledge, confirm and agree that neither we nor any other member of our group of companies (which, for the purposes hereof, means a holding company and all of its subsidiaries), our respective affiliates, employees, officers or directors, shall be liable for any loss, costs, expenses or damages of whatever nature (whether direct, indirect, consequential or other), which you may suffer or incur as a result of, arising from, or in connection with any steps we take or do not take to comply with our obligations under these laws.

19. Process to follow if you have a complaint
19.1. If you want to complain that we are not complying with the NCA, you may without derogating from any other rights you may have write to:
19.1.1. the National Credit Regulator;
19.1.2. the Banking Ombud; and
19.1.3. the National Consumer Tribunal.
20. Debt counsellor
20.1. If it is difficult for you to pay any of your monthly repayments to us, contact us right away.
20.2. You have the right to apply to a debt counsellor who will consider your application to determine whether you are over-indebted (this means that you have more debts than you are able to pay) or if you were granted credit recklessly. You should inform us of such application.
21. You may cancel this agreement at any time
21.1. To cancel this agreement, contact us to find out the amounts you still owe us. You can ask to cancel this agreement immediately or at a future settlement date. We will advise you of the total amount you owe us on the settlement date, which includes all of the following amounts as at the settlement date:
21.1.1. the unpaid balance of the principal debt;
21.1.2. interest you owe on the principal debt; and
21.1.3. the fees and charges you owe us.
21.1.4. Payment of all amounts owing by you on the settlement date must be paid in full on the settlement date.
22. Marketing and Information Sharing
If, in the future, you do not want us to market directly to you, you can change it by:
• contacting our call centre
• registering a block on any register which we legally must recognise.
We will not charge you a fee to change your consent.
If you change your marketing choice, we will make these changes as soon as possible. Upon receipt of your notification, it may take up to 30 days for us to remove your information from our marketing channels.”
Information Sharing:
You acknowledge that the Credit Provider shall be entitled to share your personal information with its business associates for marketing and other purposes (including, without limitation, the processing of transactions, acceptance of payments and/or administration of your elections in respect of marketing made on the application or in terms of any credit agreement that comes into place between yourself and the credit provider.
You agree that the Credit Provider and its business associates may obtain personal information about you from all or any credit bureaus and/or registers which contain such information.
23. Cancellation of your credit facility
23.1. Without us losing any right to any claim which we may have against you, we will have the right to:
23.1.1. suspend the credit facilityat any time if you are in default under this agreement; and
23.2. We may:
23.2.1. suspend the credit facility at any time if you are in default under this agreement; and
23.2.2. close the credit facility by giving you written notice to that effect at least 10 (ten) business days before the credit facility will be closed.
23.3. If the credit facility has been suspended or cancelled in terms of clause 23.2or if you die:
23.3.1. the credit facility may no longer be used for any purpose; and
23.3.2. we may notify any supplier or any person who we think should know of the cancellation without incurring any liability.
23.4. Notwithstanding the provisions of clause23.2, this agreement will remain in effect until you have repaid all amounts charged to your credit facility.
24. When you will be in default under this agreement
24.1. You will be in default under this agreement if:
24.1.1. you do not pay any amount payable to us under this agreement on the due date; or
24.1.2. you breach any of the terms and conditions of this agreement;
24.1.3. any representation or warranty made in connection with this agreement or any other documents supplied by you is materially incorrect or false (where a warranty refers to an express confirmation on your part that something is or will be as you have represented to us or promised us that it will be);
24.2. you, being an individual:
24.2.1. publish notice of the voluntary surrender of your estate or die;
24.2.2. are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
24.2.3. have any application or other proceedings brought against or in respect of you to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory.
25. Our rights if you are in default
25.1. If you are in default, we may:
25.1.1. give you written notice of such default and may propose that you refer this agreement to a debt counsellor, alternative dispute resolution agent, consumer court or ombud with jurisdiction, with the intention that the parties resolve any dispute under this agreement or develop and agree on a plan to bring repayments up to date;
25.1.2. commence legal proceedings to enforce this agreement, and, if applicable, recover collection costs and default administration charges (if the default is in respect of a payment obligation) if:
25.1.2.1. we have given you notice as referred to in clause 25.1.1 above or we have given notice to end any debt review process under section 86 of the NCA which may then be underway in respect of this agreement; and
25.1.2.2. you have been in default under this agreement for at least 20 (twenty) business days; and
25.1.2.3. at least 10 (ten) business days have elapsed since we delivered the notice contemplated in clause25.1.1; in the case of a notice in terms of clause 25.1.2.1, you:
25.1.2.3.1. have not responded to that notice; or
25.1.2.3.2. have responded to the notice by rejecting our proposal.

26. You must pay a default administration fee for letters of demand
We will charge you a fee each time you miss one or more payments and we have to write a letter to you to advise you of your default. This fee is called a default administration fee. It is the same amount as the fee that must be paid for a registered letter of demand for undefended action under the Magistrates’ Courts Act, 1944. It also includes the costs we incur in delivering the letter to you.
27. You must pay collection costs if we bring legal proceedings
27.1. If we bring legal proceedings against you to enforce payment of amounts you owe us, you are liable to pay all costs we incur in collecting the payment. The costs are determined by various laws, including:
27.1.1. the Supreme Court Act, 1959
27.1.2. the Magistrates’ Courts Act, 1944
27.1.3. the Attorneys Act, 1979
27.1.4. the Debt Collector’s Act, 1998.
27.2. The collection costs exclude the default administration fee.
28. Governing law and jurisdiction
This agreement is in all respects governed by the laws of the Republic of South Africa. You agree that we may bring legal proceedings against you relating to this agreement in any Magistrate’s Court that has the authority to hear and decide on the case. (This authority is called jurisdiction.)
29. Changes to the terms and conditions of this agreement
29.1. Unless prohibited by the NCA or any other law, and subject to what may be permissible in law, we may at any time amend the terms and conditions of this agreement by giving you notice of such amendments in writing through postal or electronic delivery. The use of the credit facility after the effective date of these amendments constitutes your acceptance of the amendments.
29.2. If you are dissatisfied with the amendment you may end the agreement. You will remain responsible to pay all amounts charged to your credit facility until final settlement of the credit facility.
29.3. Unless this agreement or any provision of the NCA provides otherwise, we will give you at least 5 (five) business days’ written notice of a change of this agreement and will set out particulars of such change in such notice.
.
30. We do not lose our rights
We do not lose any of our rights under this agreement if we do not immediately and in every instance insist on them. You may not raise it as a defence if we have a right that we did not enforce at the relevant time. For example, if we allow you extra time to pay your monthly payments in one month, it does not mean we have allowed you extra time the next or any other month.
31. Transferring rights or obligations
31.1. You may not transfer any of your rights or obligations under this agreement to anyone else without our prior written permission.
31.2. We may transfer all or some of our rights and obligations under this agreement to any other person. We do not have to inform you or get your permission to transfer our rights and obligations. If this clause applies, then “we”, where used in this agreement, will include the person to whom we have transferred any of our rights or obligations in terms of this clause.
32. Each clause is separate
32.1. The parties acknowledge that each clause of this agreement is separate. If any clause of this agreement is or becomes illegal, invalid or unenforceable for any reason, it must be treated as if it had not been included in this agreement. This does not:
32.1.1. make the rest of the agreement illegal, invalid or unenforceable; or
32.1.2. affect the legality, validity or enforceability of any other clause or this agreement as a whole.
33. We are allowed to give information to credit bureaus
33.1. You understand that we are allowed to give to one or more credit bureaus:
33.1.1. information about this agreement;
33.1.2. information about your credit facility with us; and
33.1.3. details of your default if you do not comply with any of the terms of this agreement.
33.2. The credit bureaus provides a credit profile and credit score on your credit worthiness subject to all the records.
33.3. You have the right to contact the credit bureaus and view their records on you. You also have the right to correct any information that is not correct.
34. Delivery of goods, start of services and delays affecting services
34.1. We will be able to start with our services relating to your credit facility once we have approved your application and you have complied with any further conditions imposed by law.
34.2. You acknowledge that our services may be unavailable due to interruptions to our electronic communications network orpower outages which are not within our control. We give you notice under this clause 34 of these unavoidable interruptionsand delays in providing the services and will give you notice if scheduled maintenance will cause an interruption or delay inthe provision of services.
35. Your chosen address
35.1. You choose the physical address in South Africa stated in your application as the address where we may serve any legal process and may execute on any judgment we obtain against you (this address is known in law as your domicilium citandi et executandi).

The postal address, fax number and/or email address given by you on the application form is the address to which we shall send any notices (including letters reminding you of any payments due to us under this agreement which you may have missed), correspondence, statements and other documents addressed to you.
35.2. If you want to change any of these addresses, you must give us notice to this effect which notice must:
35.2.1. tell us that you are changing your address; and
35.2.2. set out the new address which you agree will be used for this purpose. The new domicillium address must be a physical address in the Republic of South Africa. A proof of address must be accompanied with any changes of address.
35.3. If you change your address but do not notify us, you agree that we have the right to send notices to you and serve legal processes at your last address known to us or any other address you have given us proper notice of.
35.4. If we send a notice to you:
35.4.1. by prepaid registered post to your chosen address, we will presume that you received it 7 (seven) days after we posted it;
35.4.2. by hand to your chosen address, we are entitled to presume that you received it on the date on which we delivered it to you or to any person apparently not less than 16 years of age;
35.4.3. by fax to your chosen fax number, we are entitled to presume that you received it at the time of the transmission.
35.4.4. by email to your provided email address, we are entitled to presume that you have received it at the time of transmission.
35.5. When we presume that you have received a notice by a certain date, this means we do not have to prove that you did receive it then. If you claim that you did not receive the notice by that date then you will have to prove it.
35.6. If you have actually received a written notice or communication from us, even if it was not sent to or delivered at your chosen address, fax number, postal address or e-mail address, it will still be a valid notice.
36. Your email address
36.1. Your email address may be the primary means that we communicate to you.
36.2. If you change your email address, you must give us notice to this effect which noticemust:
36.2.1. tell us that you are changing your email address;
36.2.2. set out the new address for all communications and notices.
37. This agreement is the entire agreement
This agreement is the only record of the agreement between the parties in regard to the subject matter of this agreement. Unless a court holds otherwise, no party is legally obliged to comply with any term, condition or undertaking not recorded in this agreement, and this agreement replaces any arrangement or understanding held by the parties before this agreement was signed.
38. General declarations
38.1. You understand the risks and costs of borrowing the principal debt from us.
38.2. You understand your rights and duties under this agreement.
38.3. You have received a copy of this agreement (including the quotation). If applicable, you have also received a copy of the insurance policy documents and the security documents.
38.4. You have the legal capacity (and where relevant, the authority) to enter into this agreement. This means in the context of this agreement that the law regards you as competent and qualified to enter into this agreement, considering, if you are an individual, factors such as your age, marital status and mental state.
38.5. We did not make you an offer that automatically results in an agreement if you do not decline it.
38.6. You confirm that entering into this agreement will not cause you to become over indebted as contemplated in the NCA.
38.7. You have fully and truthfully answered all and any request for information made of you by or on behalf of us leading up to the conditions of this agreement.
38.8. You have been given the option to be excluded from any telemarketing campaign which may be conducted by or on behalf of us, any marketing or customer list which may be sold or distributed by us, other than as required by the NCA, any mass distribution of e-mail or SMS message, as well as the option to decline a pre-approval credit limit increase relating to the facility.
39. You signed this agreement of your own free choice
39.1. You confirm that:
39.1.1. we did not make you sign this agreement or do anything during the negotiation and conclusion of this agreement that would be considered unconscionable or otherwise render this agreement unlawful;
39.1.2. if we have arranged insurance for you, we have explained to you the terms and conditions of the insurance policy or policies required in this agreement;
39.1.3. there were no blank spaces on the application or this agreement (including the quotation) at the time when you signed each of these documents;
39.1.4. if the application and quotation started telephonically or electronically, we have confirmed that this agreement may be recorded and you have given us permission to do so. You have also given us permission to give you a copy of this agreement within a reasonable time;
39.1.5. you understand that we must report certain information about you and this agreement to the National Credit Register or a registered credit bureau; and
39.1.6. we did not ask you to sign any additional (supplementary) agreements or documents that are not referred to in the quotation.
40. Your statement about your financial status
41. By signing this agreement you confirm that:
41.1. you have checked the information we have about your personal, financial and credit facility details;
41.2. the information we have about your personal, financial and credit facility details is correct;
41.3. you have fully and truthfully given all information we have asked you for about this agreement and about your personal and financial circumstance (including your income and expenditure);
41.4. you have disclosed to us all other applications for credit which you have made to any other person, whether processed or not at the date when you signed the application;
41.5. you have not applied for an administration order and no administration order has been given against you;
41.6. you are not currently under debt counselling or subject to debt review;
41.7. you have not applied for and no order has been given against you for sequestration;
41.8. you have not entered into a compromise with any of your creditors or attempted to do so generally or defer payment of debts owing by you;
41.9. you understand that if any of these statements are not true, it may prevent you from exercising some or all of your rights.
42. You are aware of terms with specific legal consequences
42.1. When you sign this agreement and loan quotation or use the credit facilityyou confirm both of the following:
42.1.1. You have read and understood all the terms and conditions in this document; and
42.1.2. You have also read and are aware of all the terms that are printed in bold.
FeverTree Finance Proprietary Limited Registration number 1998/023910/07(NCR No NCRCP6072) is a registered credit provider..

Welcome to FeverTree Finance. In the day and age of advanced telecommunication we believe you should be made fully aware of the security and use of your personal information. Our Privacy Policy applies to all current and former customers and may change from time to time.

Your consent

By submitting your details and/or using our service you accept this Privacy Policy and expressly consent to the use and disclosure of your personal information in the manner described below. If you do not agree with the terms of this Privacy Policy you will not be able to proceed with the loan application.

Confidentiality & Use of Personal Information

We will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. Your personal information is stored in databases that have built-in safeguards and firewalls to ensure the privacy and confidentiality of that information.

We recognise the need for appropriate protection and management of the personal information you share with us. FeverTree Finance is subject to South African data protection laws, with which we comply with.

Personal information is information that identifies or relates specifically to you and may include for example, your name, age and identity number, your assets and liabilities, your income and your bank details. In fact, any information that we know about you will be regarded as your personal information and we will take all reasonable steps to protect your personal information.

Part of this personal information is collected in order to ascertain whether in terms of the provisions of the National Credit Act you are eligible to get a loan. We make use of two methods to collect your information, firstly – directly from your completed credit application and secondly from third party sources such as credible credit bureau’s. Once we have collected and analysed your personal information, we may use this information for statistical analysis involved with creating internal credit risk decision analytics, to update your records, to identify which of our products, or our partners' products which might interest you and to send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of a third party, and if you indicate that you would like more details, we may inform the third party to contact you directly. We will however, only inform third parties to contact you directly if you have indicated that this is agreeable to you. In addition, we utilise your personal information for the other purposes set out in this Privacy Policy.

In terms of the Consumer Protection Act and section 45 of the ECT Act, you understand that you have the option to opt out of any mailing list used for commercial and marketing communications.

Additional data collection

If you decide to apply for a loan from FeverTree finance directly through one of our websites, we may collect information about your personal computer or personal mobile device including, your IP address, operating system and browser type. This information may be used for system administration purposed as well as to report aggregate information to our advertising partners. To enhance the quality of this data the use of cookies may be implemented to track our users as they travel from website to website. This information is statistical data and concerns browsing actions and patterns and does not identify any individual. Personal identification and confidentiality is therefore not compromised. You can set your web or mobile browser to refuse cookies, but if you do this you may not be able to enjoy full use of our website.

Sharing your data for service provision

It is often necessary to share your information and data with third parties who are involved in the process of providing the services you have requested. These third parties include credit bureaus, customer service providers and collection agencies. We believe that these institutions are credible and they are furthermore bound to maintain confidentiality and security of your personal information.

Selling and disclosing your data to third parties

FeverTree Finance may decide to sell some or all of your data to selected third parties who have entered into contractual agreements with FeverTree Finance regarding the data who may otherwise use it to contact you by post, telephone, SMS or email in relation to offers which they feel might be of interest to you. By clicking the “PROCESS LOAN APPLICATION” box you hereby agree that we may disclose your personal information under the following circumstances: - In the event that FeverTree Finance sells its business or the assets thereof or a part of its business or a portion of its assets; - In the event that FeverTree Finance acquires or merges with another business; - If we are obliged to disclose your personal information in order to comply with a legal request under the laws of the Republic of South Africa - In order to enforce with any of our terms and conditions Contact from FeverTree Finance and/or third parties We may transfer your personal information to selected third parties (see “Selling and disclosing your data to third parties” above). If at any time you wish to stop receiving such contact from a third party, you will need to follow the instructions about unsubscribing provided at the time by the relevant third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes. You may also register on the National “Opt Out” register of the Direct Marketing Association of South Africa by going to www.nationaloptout.co.za.

Age

To register with us for a loan you must be at least 18-years of age or older.

Changes to this Privacy Policy

We reserve the right, without limitation to in our sole discretion update or amend this Privacy Policy from time to time with or without notice. By clicking “PUSH TO PROCESS APPLICATION” you therefore agree to review the Privacy Policy whenever you visit our website or that of any of our partners who extend credit on our behalf, for any such amendments.

The most recent Privacy Policy will at all times supersede any previous versions of the Privacy Policy made available to users.

Which laws apply?

This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of the Republic of South Africa.

Your ID Number

Please enter your valid 13 digit South African ID number. No foreign passports are currently supported.

How much would you like your credit facility to be?

Use the slider provided to select the amount of money you would like to borrow



Repayment period?

Use the slider provided to select the number of months you would like to repay the loan over. The shorter the period, the higher the monthy installments will be.



Email Address

Please enter your valid email address. We will use this address to communicate important information regarding your loan

Cell Number

Please enter your valid 10 digit cell number. No spaces, brackets or dashes are allowed

Cell contract type?

Please select what type of cellular contract you hold

I would like to hear about deals and offerings from MediWallet and its group of companies

We have many deals and promotions running all year round, we would love to be able to contact you when new and exciting deals are being launched

5 minutes to go
You already have a sufficient loan facility available on your ID. Please speak to the cashier to assist in using this facility

Title

Please select your official title

Initials

Please enter your initials, no spaces required, maximum of 4 chars

Surname

Please enter your surname, this field will be used as part of the verification process so please ensure that the correct value has been captured

First Names

Please enter your first name(s), this field will be used as part of the verification process so please ensure that the correct value has been captured

Gender

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Country of Birth

This is the country where you were born, which determines your nationality

No of children

Please select the number of children dependant on your support

Are you under debt counselling?

Please select "Yes" if you are under administration or any sort of debt counselling

Home Language

Please select your home language

Marital Status

Please select your Marital status

Spouse details

Title

Please select title

ID Number

Please enter ID Number of spouse

Initials

Please enter initials, no spaces required, maximum of 4 chars

Gender

Please select gender

Surname

Please enter surname

First Names

Please enter first name(s)

Cell Number

Please enter a valid 10 digit cell number. No spaces, brackets or dashes are allowed

Spouse gross salary P/M

Please enter gross salary per month

Only a few questions left

4 minutes to go
We're sorry! This application has been cancelled

This could be why:

We require that you are between 18 and 65 years of age to apply for credit
We are not able to provide finance to anyone under debt counselling
If you have applied unsuccessfully more than once in the last 3 months, we cannot process further applications on your ID

What can you do?

Speak to our friendly staff who will be able to assist you

Home Address

Complex address

This is your house number and complex name if you stay in a complex

Street address

This is the street your house/complex is on

Suburb

This is your suburb, please ensure correct spelling as this field is used in verification

City

This is your city, please ensure correct spelling as this field is used in verification

Post Code

Please enter your postal code, 4 digits are required

Postal address same as residential?

If your postal address is the same as your residential address, click here to save the hassle of recapturing the information, we will do it for you!

Postal Address

Complex address

This is your house number and complex name if you stay in a complex, or your PO Box number for a private box

Street address

This is the street your house/complex is on, for private boxes enter value "PO BOX"

Suburb

This is your suburb, please ensure correct spelling as this field is used in verification

City

This is your city, please ensure correct spelling as this field is used in verification

Post Code

Please enter your postal code, 4 digits are required

Home phone

Your home phone number. Eg. 0115872341

Confirm email

Your email address is required for correspondance

Accommodation type

Which option best describes your living arrangements?

Name of Employer

The name of the company you work for

Job Type

What type of employment agreement do you have with this company?

Occupation

What is your job title at this company?

Date employed here?

What date did you join this employer?

When do you get paid?

Please specify if you get paid on either a specific day or at the end of the month

Upon which day are you paid?

Please select the day of the month upon which you are paid

Just about done...

3 minutes to go

Monthly Gross Salary

What is your total salary before deductions

Monthly Expenses

What is the total of your expenses each month?

Ethnic Group

Please select your ethnic group, this data is just stored for statistical purposes. You are not obliged to provide this information, and can select the appropriate option to skip this question

This is for statistical purposes as required by the National Credit Act(Optional).
2 minutes to go
We're sorry! You have, unfortunately, not been approved for this application.

This could be why:

Regrettably, our credit criteria requires a minimum income of R4,500pm to qualify for credit. FeverTree is a responsible credit provider.

By clicking the "Push to process application" button, I accept the terms of the Privacy Policy and Terms and Conditions printed below.



Terms and Conditions

The entity that is identified in your pre-agreement statement and quotation as being the credit provider is referred to as “we/us”” below
The person who is the holder of the credit facility
(“you/your”)
1. Grant of a credit facility
1.1. Your application for a credit facility is subject to our credit assessment, approval criteria and conditions being satisfied. We have the discretion based on these criteria to decline or approve your application or we may offer you a different plan from the plan you selected on your application. We reserve the right to grant or refuse to grant you credit from time to time.
1.2. You agree to accept the credit facility we offer in the quotation. The quotation forms part of this agreement once we have accepted your application and you have signed and accepted the quotation.
1.3. We agree to grant the credit facility to you on the terms and conditions of this agreement.

2. Cost of credit and payment plan
2.1. The quotation sets out the total cost of the credit facility and it is important for you to note that:
2.1.1. the credit limit reflected in the quotation is the maximum amount made available to you under this credit facility at this time;
2.1.2. each instalment reflects the minimum amount of each instalment required in terms of our agreement with you, on the assumption that you use the total credit limit on the first (1st) day of this agreement;
2.1.3. the total of all instalments is calculated based on the assumption that you will have repaid this credit facility within the period indicated in the quotation.
2.1.4. You may use your credit facility to make purchases of goods and services on the various payment plans available and applicable to such purchases subject to the terms and conditions of this agreement.

3. Contact details
3.1. Please take note of the following contact details:
3.2. Contact centre: FeverTree Finance 011-268-6438;
3.3. National Credit Regulator: 0860 627 627 or 0860 NCR NCR;
3.4. National Consumer Tribunal: 012 394 1450;
3.5. Banking Ombudsman 0860 800 900 (only if we are a bank); and
Credit bureau(s): ITC Transunion 0861 482 482; XDS 011 645 9100 andExperian 0861 10 56 65.

4. How to interpret this agreement
4.1. In this agreement, the words on the left have the meanings set out on the right unless the context clearly shows that the parties intended a different meaning:
4.1.1. Agreement means this document, including the application, pre-agreement statement and quotation, and all written notices we send to you in accordance with the NCA from time to time.
4.1.2. Application means your application for the credit facility which preceded this agreement.
4.1.3. Business day means any day which is not a Saturday, Sunday or South African public holiday.
4.1.4. Chargeback means a transaction that is reversed because you have successfully disputed the transaction.
4.1.5. Credit facility means the credit facility we offer to you on the terms and conditions of this agreement.
4.1.6. Credit limit means the maximum amount made available to you in terms of this credit facility (being the credit limit specified in the quotation) or any changes to this limit from time to time.
4.1.7. Credit Provider means the entity reflected as such on your Pre-agreement statement and quote
4.1.8. Deferred amount at any time means the amount we calculate in terms of clause 9 at that time.
4.1.9. Initiation fee means the fee we may charge you when you sign this agreement to cover our costs at the start of thisagreement if not paid upfront.
4.1.10. NCA means the National Credit Act 34 of 2005 and its regulations, as amended or replaced from time to time.
4.1.11. Principal debt means the amount of the principal debt referred to in the quotation.
4.1.12. Quotation means the pre-agreement statement and quotation which is provided to you from the Supplier and via the email address provided by you.
4.1.13. Reference rate means the repurchase rate charged by the SA Reserve Bank, from time to time.
4.1.14. Service fee means the fee we may charge you on a monthly or other regular basis to cover our costs of administering this agreement.
4.1.15. Supplier means the person from whom you purchase goods and services using your credit facility.
4.1.16. VAT means value-added tax payable under the Value Added Tax Act 89 of 1991.

4.2. Reference to:
4.2.1. one gender includes the other gender;
4.2.2. the singular form of a word includes the plural;
4.2.3. the plural form of a word includes the singular;
4.2.4. a law or regulation is a reference to that law or regulation on the date you sign this agreement;
4.2.5. card is used interchangeably with credit facility
4.3. In the event of a conflict between the provisions of the quotation and those of this document, the provisions of the quotation apply.
4.4. This agreement is subject to the NCA and all other applicable legislation from time to time. If any provision of this agreement conflicts with any provisions of the NCA, the provisions of the NCA apply.
4.5. Where we are required to exercise discretion under this agreement, we will exercise our discretion in a reasonable manner.

5. Principal debt
5.1. You understand that:
5.1.1. every purchase of goods and services you have authorised on your credit facility will form part of the principal debt on which we will charge you interest; and
5.1.2. you must pay all amounts debited to the credit facility in terms of this agreement together with interest thereon to us in the manner set out in this agreement.

6. Use of your credit facility
6.1. When you use your credit facility to purchase goods and services, you must sign aquotation or sales voucher.
6.2. We may debit your credit facility with all transactions presented to us unless it can be proved that you did not authorise the supplier to process the transaction concerned.

7. Interest
7.1. Agreed rate
7.1.1. Your credit facility has a variable interest rate, meaning that the agreed interest rate applicable to the payment plan on your credit facility may vary from time to time directly in accordance with changes in the applicable reference rate.
7.1.2. Within 30 business days after any such variation takes effect, we will inform you in writing of the variation. Any notice of variation may be by sms, mail, fax, email or other electronic forms of communication.
7.1.3. Unless the agreed interest rate is reduced in the manner described below, interest will be charged on the payment plan applicable to your credit facility at the maximum rate applicable from time to time in terms of the NCA, or any re-enactment or replacement thereof and disclosed in your statement.
7.1.4. Interest is calculated on a daily basis on the daily closing balance of your credit facility. The daily interest so determined is aggregated for the period between the dates of the previous and current billings and added to the balance owing by you in terms of the credit facility on the date of current billing.

7.2. Reference rate
7.2.1. In respect of transactions on your credit facility, we have selected the maximum interest rate prescribed by the NCA for credit facilities as the rate for purposes of determining the agreed interest rate applicable to your credit facility.
7.2.2. The NCA currently stipulates the maximum interest rate that may be charged is as follows: the reference rate (meaning the repurchase rate charged by the SA Reserve Bank, from time to time) multiplied by 2.2 per annum plus 10 percentage points.

7.3. Default interest
7.3.1. Interest is calculated on the daily balance owing on your credit facility from time to time. You can minimise the amount of interest charged to your credit facility by making your total payment due (i.e. the monthly instalment) in full by the payment date as specified on your statement.
7.3.2. If you do not make such payment by such due date, default penalty interest will be charged in accordance with the NCA and your credit facility will be in arrears and you will therefore be in default of this agreement. The interest rate applicable while you are in default of, or have overdue payments under, this agreement be will the maximum interest rate that is prescribed in the NCA.

7.4. Discounted interest
7.4.1. Interest may be discounted ( i.e. reduced) on your credit facility at our discretion or if you are on a discounted interest payment plan. The waiving of interest is solely at our discretion and should you not pay the amount due, or pay a lesser amount than the amount due, to us by the payment due date, we reserve the right to terminate the discounted interest rate and in future to continue charging you interest on your credit facility in accordance with the preceding provision of clause 7 (and not this clause7.4) despite the credit facilitybeing brought up to date and it being a plan in terms of which interest is ordinarily discounted.
7.4.2. However, should you not pay the amount due, or pay a lesser amount than the amount due, to us by the payment due date, interest will be charged as stipulated in clause 7.3.2.

8. How we calculate the deferred amount
8.1. The deferred amount is the amount that you owe us under this agreement at any point in time and which you must repay to us. Interest is calculated on the deferred amount. The deferred amount may include the:
8.1.1. credit advanced;
8.1.2. interest;
8.1.3. fees and charges as set out in the quotation;
8.1.4. default administration charges (if relevant to this agreement); and
8.1.5. collection costs (if relevant to this agreement).
8.2. The deferred amount will be reduced by all amounts you pay to us to settle the principal debt or which we credit to your credit facility.

9. Credit limit
9.1. You cannot buy any goods and services with your credit facility if to do so means that you will exceed the credit limit.
9.2. You are responsible for managing your purchases within the credit limit.
9.3. If we accept a transaction that results in you exceeding the credit limit, it does not mean that we have extended or increased the credit limit on any permanent basis, but rather that we have allowed a temporary excess by way of indulgence only, at your special instance and request. You are obliged to immediately bring your credit facility in line with the agreed credit limit. You will be liable for payment of the full amount by which you exceed the credit limit.
10. Changes to the amount of the credit limit
10.1. You may at any time, by written notice to us, instruct us to reduce the credit limit in force that you will accept.
10.2. We may, by written notice to you, reduce the credit limit then in force. The reduction will be effective upon delivery of the written notice.
10.3. We may increase the credit limit only in accordance with your instructions and in accordance with the NCA.
11. Payment to suppliers
11.1. If we are not the suppliers of the goods or services purchased on your credit facility:
11.2. We have the right to pay suppliers the amount appearing on the voucher concerned, when the voucher is presented to us for payment and to debit your credit facility with the amount of these payments.
11.3. We will credit your credit facilility with the amount of a credit voucher when we receive a credit voucher from the supplier for goods and services you purchased using yourcredit facility
12. Disputes with suppliers
12.1. If we are not the suppliers of the goods or services purchased on your credit facility:
12.2. Unless we acted with gross negligence or fraudulent intent or in breach of this agreement, we will not be liable for any damages, costs, expenses or losses which you may suffer or incur as a result of, arising from, or in connection with:
12.2.1. any supplier’s refusal to accept your credit facility as payment;
12.2.2. any defective goods and services you bought from any supplier using your credit facility; and
12.2.3. any failure or malfunction of, or delay caused by any electronic terminal, or its supporting network, where the cause of this failure, malfunction or delay was not within our reasonable control, and you will not have the right to claim anything from us or institute any counterclaim against us or to apply set off against us on this basis.
12.3. No dispute between a supplier and you will give you the right to:
12.3.1. refuse to repay us for any payment we made to the supplier for goods and services you bought from the supplier using your credit facility;
12.3.2. instruct us to refuse to pay the supplier for the goods and services you bought from the supplier using your credit facility; or
12.3.3. instruct us to do a chargeback of a payment already made to the supplier for the goods and services you bought from the supplier using your credit facility.
12.4. Unless we acted with gross negligence or fraudulent intent, we will also not be liable for any damages, costs, expenses or loss which you may suffer or incur as a result of, arising from, or in connection with any fraudulent or otherwise unlawful or unauthorised use of your credit facility by any other person.
12.5. We do not act as the agent of any supplier, nor do we endorse the quality of any supplier’s goods or any services offered by a service provider. Therefore, unless we acted with gross negligence or fraudulent intent or in breach of this agreement, we will not be responsible to pay for any damages, costs, expenses or losses which you may suffer or incur as a result of, arising from, or in connection with any goods or services you bought from any supplier using your credit facility.

13. Repayments
13.1. You must repay the principal debt together with interest, charges and fees calculated in accordance with this agreement including the quotation). You must pay at least the minimum amount shown as payable on the statements we send you from time to time, by the due date reflected in these statements, without deduction or set off and you acknowledge that you will not be entitled to attach any condition to any payment made to us, even if you do not receive a statement.
13.2. You must make all your repayments in South African rand.
13.3. You may decide what method to use to make your payments, as long as we agree to this method and you make sure that we receive the payments on the dates on which they are due under this agreement. The fact that you choose the method does not in any way take away any part of your obligations under this agreement and any payment will only be properly made when we receive and process the payment.
14. You may pay amounts before they become due
14.1. You may prepay any amount you owe us under this agreement. We will credit each payment you make on the date we receive the payment. We will apply the payments as follows:
14.1.1. first to pay any interest that is due by you;
14.1.2. second to pay any fees or charges that are due;
14.1.3. third to reduce the amount of the principal debt that you still owe us.
14.1.4. No interest will accrue or be payable by us to you in respect of any amounts prepaid by you or otherwise standing to the credit of your credit facility.

15. Fees
15.1. We may change the service fees specified in the quotation by giving written notice to you, on condition that the service fees will never exceed the maximum amount which may be allowed under the NCA for this purpose from time to time.
15.2. The monthly service fee, where applicable, must be included in your monthly repayments.
15.3. We may charge the initiation fee specified in the quotation, on condition that the initiation fee will not exceed the maximum amount which may be prescribed in terms of the NCA for this purpose from time to time. The initiation fee will be included on your first statement unless paid upfront.
16. Set off
You will not be entitled to deduct any amount which we owe or may in the future owe to you from any amount which you owe or may in the future owe to us under this agreement.
17. It is your responsibility to check your statements
17.1. We will deliver a statement to you each month which will, among other things:
17.1.1. show all transactions relating to your credit facility;
show all interest and other charges debited or credited by us to your credit facility; and
17.1.2. inform you of the amount which you must pay us on or before the due date stated on the statement
17.2. The fact that you do not receive a statement in any particular month, does not free you from your obligations to pay any amount due to us under this agreement, as you can get information about your credit facility from us telephonically or electronically at any time.
17.3. We will deliver statements to you electronically.
17.4. Should you have a query regarding the correctness of your statement of credit facility or dispute regarding any merchandise purchase or other transactions reflected on it, you must notify us within 30 (thirty) days of the date of that particular statement, otherwise it will be deemed that your statement of credit facility is correct
17.5. Should you not receive your statement, you must bring this to our attention.

18. Screening of applications, instructions and transactions
18.1. We disclose to you that, in the event that the entity providing you with credit is part of a global financial institution, we comply and will in future comply with international and local anti-money laundering, counter terrorist financing, financial sanctions and prohibited business activity laws, regulations, policies and requirements (“laws”). Accordingly, we may initially screen, verify and process all new applications for credit and all related information, including your application and the information you provide to us.
18.2. If we accept your application, we will continue to monitor all information and instructions which you give us or which are delivered to us on your behalf from time to time, as well as all transactions which you or anyone else concludes using your credit facility. We will also continuously monitor our business relationship with you.
18.3. This may result in your instructions to us and your credit facility transactions being prohibited, limited or delayed. This may even result in your credit facility being declined or our business relationship with you terminating. To the extent permitted, we will let you know of any action we intend to take in compliance with these laws.
18.4. You acknowledge, confirm and agree that neither we nor any other member of our group of companies (which, for the purposes hereof, means a holding company and all of its subsidiaries), our respective affiliates, employees, officers or directors, shall be liable for any loss, costs, expenses or damages of whatever nature (whether direct, indirect, consequential or other), which you may suffer or incur as a result of, arising from, or in connection with any steps we take or do not take to comply with our obligations under these laws.

19. Process to follow if you have a complaint
19.1. If you want to complain that we are not complying with the NCA, you may without derogating from any other rights you may have write to:
19.1.1. the National Credit Regulator;
19.1.2. the Banking Ombud; and
19.1.3. the National Consumer Tribunal.
20. Debt counsellor
20.1. If it is difficult for you to pay any of your monthly repayments to us, contact us right away.
20.2. You have the right to apply to a debt counsellor who will consider your application to determine whether you are over-indebted (this means that you have more debts than you are able to pay) or if you were granted credit recklessly. You should inform us of such application.
21. You may cancel this agreement at any time
21.1. To cancel this agreement, contact us to find out the amounts you still owe us. You can ask to cancel this agreement immediately or at a future settlement date. We will advise you of the total amount you owe us on the settlement date, which includes all of the following amounts as at the settlement date:
21.1.1. the unpaid balance of the principal debt;
21.1.2. interest you owe on the principal debt; and
21.1.3. the fees and charges you owe us.
21.1.4. Payment of all amounts owing by you on the settlement date must be paid in full on the settlement date.
22. Marketing and Information Sharing
If, in the future, you do not want us to market directly to you, you can change it by:
• contacting our call centre
• registering a block on any register which we legally must recognise.
We will not charge you a fee to change your consent.
If you change your marketing choice, we will make these changes as soon as possible. Upon receipt of your notification, it may take up to 30 days for us to remove your information from our marketing channels.”
Information Sharing:
You acknowledge that the Credit Provider shall be entitled to share your personal information with its business associates for marketing and other purposes (including, without limitation, the processing of transactions, acceptance of payments and/or administration of your elections in respect of marketing made on the application or in terms of any credit agreement that comes into place between yourself and the credit provider.
You agree that the Credit Provider and its business associates may obtain personal information about you from all or any credit bureaus and/or registers which contain such information.
23. Cancellation of your credit facility
23.1. Without us losing any right to any claim which we may have against you, we will have the right to:
23.1.1. suspend the credit facilityat any time if you are in default under this agreement; and
23.2. We may:
23.2.1. suspend the credit facility at any time if you are in default under this agreement; and
23.2.2. close the credit facility by giving you written notice to that effect at least 10 (ten) business days before the credit facility will be closed.
23.3. If the credit facility has been suspended or cancelled in terms of clause 23.2or if you die:
23.3.1. the credit facility may no longer be used for any purpose; and
23.3.2. we may notify any supplier or any person who we think should know of the cancellation without incurring any liability.
23.4. Notwithstanding the provisions of clause23.2, this agreement will remain in effect until you have repaid all amounts charged to your credit facility.
24. When you will be in default under this agreement
24.1. You will be in default under this agreement if:
24.1.1. you do not pay any amount payable to us under this agreement on the due date; or
24.1.2. you breach any of the terms and conditions of this agreement;
24.1.3. any representation or warranty made in connection with this agreement or any other documents supplied by you is materially incorrect or false (where a warranty refers to an express confirmation on your part that something is or will be as you have represented to us or promised us that it will be);
24.2. you, being an individual:
24.2.1. publish notice of the voluntary surrender of your estate or die;
24.2.2. are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
24.2.3. have any application or other proceedings brought against or in respect of you to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory.
25. Our rights if you are in default
25.1. If you are in default, we may:
25.1.1. give you written notice of such default and may propose that you refer this agreement to a debt counsellor, alternative dispute resolution agent, consumer court or ombud with jurisdiction, with the intention that the parties resolve any dispute under this agreement or develop and agree on a plan to bring repayments up to date;
25.1.2. commence legal proceedings to enforce this agreement, and, if applicable, recover collection costs and default administration charges (if the default is in respect of a payment obligation) if:
25.1.2.1. we have given you notice as referred to in clause 25.1.1 above or we have given notice to end any debt review process under section 86 of the NCA which may then be underway in respect of this agreement; and
25.1.2.2. you have been in default under this agreement for at least 20 (twenty) business days; and
25.1.2.3. at least 10 (ten) business days have elapsed since we delivered the notice contemplated in clause25.1.1; in the case of a notice in terms of clause 25.1.2.1, you:
25.1.2.3.1. have not responded to that notice; or
25.1.2.3.2. have responded to the notice by rejecting our proposal.

26. You must pay a default administration fee for letters of demand
We will charge you a fee each time you miss one or more payments and we have to write a letter to you to advise you of your default. This fee is called a default administration fee. It is the same amount as the fee that must be paid for a registered letter of demand for undefended action under the Magistrates’ Courts Act, 1944. It also includes the costs we incur in delivering the letter to you.
27. You must pay collection costs if we bring legal proceedings
27.1. If we bring legal proceedings against you to enforce payment of amounts you owe us, you are liable to pay all costs we incur in collecting the payment. The costs are determined by various laws, including:
27.1.1. the Supreme Court Act, 1959
27.1.2. the Magistrates’ Courts Act, 1944
27.1.3. the Attorneys Act, 1979
27.1.4. the Debt Collector’s Act, 1998.
27.2. The collection costs exclude the default administration fee.
28. Governing law and jurisdiction
This agreement is in all respects governed by the laws of the Republic of South Africa. You agree that we may bring legal proceedings against you relating to this agreement in any Magistrate’s Court that has the authority to hear and decide on the case. (This authority is called jurisdiction.)
29. Changes to the terms and conditions of this agreement
29.1. Unless prohibited by the NCA or any other law, and subject to what may be permissible in law, we may at any time amend the terms and conditions of this agreement by giving you notice of such amendments in writing through postal or electronic delivery. The use of the credit facility after the effective date of these amendments constitutes your acceptance of the amendments.
29.2. If you are dissatisfied with the amendment you may end the agreement. You will remain responsible to pay all amounts charged to your credit facility until final settlement of the credit facility.
29.3. Unless this agreement or any provision of the NCA provides otherwise, we will give you at least 5 (five) business days’ written notice of a change of this agreement and will set out particulars of such change in such notice.
.
30. We do not lose our rights
We do not lose any of our rights under this agreement if we do not immediately and in every instance insist on them. You may not raise it as a defence if we have a right that we did not enforce at the relevant time. For example, if we allow you extra time to pay your monthly payments in one month, it does not mean we have allowed you extra time the next or any other month.
31. Transferring rights or obligations
31.1. You may not transfer any of your rights or obligations under this agreement to anyone else without our prior written permission.
31.2. We may transfer all or some of our rights and obligations under this agreement to any other person. We do not have to inform you or get your permission to transfer our rights and obligations. If this clause applies, then “we”, where used in this agreement, will include the person to whom we have transferred any of our rights or obligations in terms of this clause.
32. Each clause is separate
32.1. The parties acknowledge that each clause of this agreement is separate. If any clause of this agreement is or becomes illegal, invalid or unenforceable for any reason, it must be treated as if it had not been included in this agreement. This does not:
32.1.1. make the rest of the agreement illegal, invalid or unenforceable; or
32.1.2. affect the legality, validity or enforceability of any other clause or this agreement as a whole.
33. We are allowed to give information to credit bureaus
33.1. You understand that we are allowed to give to one or more credit bureaus:
33.1.1. information about this agreement;
33.1.2. information about your credit facility with us; and
33.1.3. details of your default if you do not comply with any of the terms of this agreement.
33.2. The credit bureaus provides a credit profile and credit score on your credit worthiness subject to all the records.
33.3. You have the right to contact the credit bureaus and view their records on you. You also have the right to correct any information that is not correct.
34. Delivery of goods, start of services and delays affecting services
34.1. We will be able to start with our services relating to your credit facility once we have approved your application and you have complied with any further conditions imposed by law.
34.2. You acknowledge that our services may be unavailable due to interruptions to our electronic communications network orpower outages which are not within our control. We give you notice under this clause 34 of these unavoidable interruptionsand delays in providing the services and will give you notice if scheduled maintenance will cause an interruption or delay inthe provision of services.
35. Your chosen address
35.1. You choose the physical address in South Africa stated in your application as the address where we may serve any legal process and may execute on any judgment we obtain against you (this address is known in law as your domicilium citandi et executandi).

The postal address, fax number and/or email address given by you on the application form is the address to which we shall send any notices (including letters reminding you of any payments due to us under this agreement which you may have missed), correspondence, statements and other documents addressed to you.
35.2. If you want to change any of these addresses, you must give us notice to this effect which notice must:
35.2.1. tell us that you are changing your address; and
35.2.2. set out the new address which you agree will be used for this purpose. The new domicillium address must be a physical address in the Republic of South Africa. A proof of address must be accompanied with any changes of address.
35.3. If you change your address but do not notify us, you agree that we have the right to send notices to you and serve legal processes at your last address known to us or any other address you have given us proper notice of.
35.4. If we send a notice to you:
35.4.1. by prepaid registered post to your chosen address, we will presume that you received it 7 (seven) days after we posted it;
35.4.2. by hand to your chosen address, we are entitled to presume that you received it on the date on which we delivered it to you or to any person apparently not less than 16 years of age;
35.4.3. by fax to your chosen fax number, we are entitled to presume that you received it at the time of the transmission.
35.4.4. by email to your provided email address, we are entitled to presume that you have received it at the time of transmission.
35.5. When we presume that you have received a notice by a certain date, this means we do not have to prove that you did receive it then. If you claim that you did not receive the notice by that date then you will have to prove it.
35.6. If you have actually received a written notice or communication from us, even if it was not sent to or delivered at your chosen address, fax number, postal address or e-mail address, it will still be a valid notice.
36. Your email address
36.1. Your email address may be the primary means that we communicate to you.
36.2. If you change your email address, you must give us notice to this effect which noticemust:
36.2.1. tell us that you are changing your email address;
36.2.2. set out the new address for all communications and notices.
37. This agreement is the entire agreement
This agreement is the only record of the agreement between the parties in regard to the subject matter of this agreement. Unless a court holds otherwise, no party is legally obliged to comply with any term, condition or undertaking not recorded in this agreement, and this agreement replaces any arrangement or understanding held by the parties before this agreement was signed.
38. General declarations
38.1. You understand the risks and costs of borrowing the principal debt from us.
38.2. You understand your rights and duties under this agreement.
38.3. You have received a copy of this agreement (including the quotation). If applicable, you have also received a copy of the insurance policy documents and the security documents.
38.4. You have the legal capacity (and where relevant, the authority) to enter into this agreement. This means in the context of this agreement that the law regards you as competent and qualified to enter into this agreement, considering, if you are an individual, factors such as your age, marital status and mental state.
38.5. We did not make you an offer that automatically results in an agreement if you do not decline it.
38.6. You confirm that entering into this agreement will not cause you to become over indebted as contemplated in the NCA.
38.7. You have fully and truthfully answered all and any request for information made of you by or on behalf of us leading up to the conditions of this agreement.
38.8. You have been given the option to be excluded from any telemarketing campaign which may be conducted by or on behalf of us, any marketing or customer list which may be sold or distributed by us, other than as required by the NCA, any mass distribution of e-mail or SMS message, as well as the option to decline a pre-approval credit limit increase relating to the facility.
39. You signed this agreement of your own free choice
39.1. You confirm that:
39.1.1. we did not make you sign this agreement or do anything during the negotiation and conclusion of this agreement that would be considered unconscionable or otherwise render this agreement unlawful;
39.1.2. if we have arranged insurance for you, we have explained to you the terms and conditions of the insurance policy or policies required in this agreement;
39.1.3. there were no blank spaces on the application or this agreement (including the quotation) at the time when you signed each of these documents;
39.1.4. if the application and quotation started telephonically or electronically, we have confirmed that this agreement may be recorded and you have given us permission to do so. You have also given us permission to give you a copy of this agreement within a reasonable time;
39.1.5. you understand that we must report certain information about you and this agreement to the National Credit Register or a registered credit bureau; and
39.1.6. we did not ask you to sign any additional (supplementary) agreements or documents that are not referred to in the quotation.
40. Your statement about your financial status
41. By signing this agreement you confirm that:
41.1. you have checked the information we have about your personal, financial and credit facility details;
41.2. the information we have about your personal, financial and credit facility details is correct;
41.3. you have fully and truthfully given all information we have asked you for about this agreement and about your personal and financial circumstance (including your income and expenditure);
41.4. you have disclosed to us all other applications for credit which you have made to any other person, whether processed or not at the date when you signed the application;
41.5. you have not applied for an administration order and no administration order has been given against you;
41.6. you are not currently under debt counselling or subject to debt review;
41.7. you have not applied for and no order has been given against you for sequestration;
41.8. you have not entered into a compromise with any of your creditors or attempted to do so generally or defer payment of debts owing by you;
41.9. you understand that if any of these statements are not true, it may prevent you from exercising some or all of your rights.
42. You are aware of terms with specific legal consequences
42.1. When you sign this agreement and loan quotation or use the credit facilityyou confirm both of the following:
42.1.1. You have read and understood all the terms and conditions in this document; and
42.1.2. You have also read and are aware of all the terms that are printed in bold.
FeverTree Finance Proprietary Limited Registration number 1998/023910/07(NCR No NCRCP6072) is a registered credit provider..



Privacy Policy

Welcome to FeverTree Finance. In the day and age of advanced telecommunication we believe you should be made fully aware of the security and use of your personal information. Our Privacy Policy applies to all current and former customers and may change from time to time.

Your consent

By submitting your details and/or using our service you accept this Privacy Policy and expressly consent to the use and disclosure of your personal information in the manner described below. If you do not agree with the terms of this Privacy Policy you will not be able to proceed with the loan application.

Confidentiality & Use of Personal Information

We will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. Your personal information is stored in databases that have built-in safeguards and firewalls to ensure the privacy and confidentiality of that information.

We recognise the need for appropriate protection and management of the personal information you share with us. FeverTree Finance is subject to South African data protection laws, with which we comply with.

Personal information is information that identifies or relates specifically to you and may include for example, your name, age and identity number, your assets and liabilities, your income and your bank details. In fact, any information that we know about you will be regarded as your personal information and we will take all reasonable steps to protect your personal information.

Part of this personal information is collected in order to ascertain whether in terms of the provisions of the National Credit Act you are eligible to get a loan. We make use of two methods to collect your information, firstly – directly from your completed credit application and secondly from third party sources such as credible credit bureau’s. Once we have collected and analysed your personal information, we may use this information for statistical analysis involved with creating internal credit risk decision analytics, to update your records, to identify which of our products, or our partners' products which might interest you and to send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of a third party, and if you indicate that you would like more details, we may inform the third party to contact you directly. We will however, only inform third parties to contact you directly if you have indicated that this is agreeable to you. In addition, we utilise your personal information for the other purposes set out in this Privacy Policy.

In terms of the Consumer Protection Act and section 45 of the ECT Act, you understand that you have the option to opt out of any mailing list used for commercial and marketing communications.

Additional data collection

If you decide to apply for a loan from FeverTree finance directly through one of our websites, we may collect information about your personal computer or personal mobile device including, your IP address, operating system and browser type. This information may be used for system administration purposed as well as to report aggregate information to our advertising partners. To enhance the quality of this data the use of cookies may be implemented to track our users as they travel from website to website. This information is statistical data and concerns browsing actions and patterns and does not identify any individual. Personal identification and confidentiality is therefore not compromised. You can set your web or mobile browser to refuse cookies, but if you do this you may not be able to enjoy full use of our website.

Sharing your data for service provision

It is often necessary to share your information and data with third parties who are involved in the process of providing the services you have requested. These third parties include credit bureaus, customer service providers and collection agencies. We believe that these institutions are credible and they are furthermore bound to maintain confidentiality and security of your personal information.

Selling and disclosing your data to third parties

FeverTree Finance may decide to sell some or all of your data to selected third parties who have entered into contractual agreements with FeverTree Finance regarding the data who may otherwise use it to contact you by post, telephone, SMS or email in relation to offers which they feel might be of interest to you. By clicking the “PROCESS LOAN APPLICATION” box you hereby agree that we may disclose your personal information under the following circumstances: - In the event that FeverTree Finance sells its business or the assets thereof or a part of its business or a portion of its assets; - In the event that FeverTree Finance acquires or merges with another business; - If we are obliged to disclose your personal information in order to comply with a legal request under the laws of the Republic of South Africa - In order to enforce with any of our terms and conditions Contact from FeverTree Finance and/or third parties We may transfer your personal information to selected third parties (see “Selling and disclosing your data to third parties” above). If at any time you wish to stop receiving such contact from a third party, you will need to follow the instructions about unsubscribing provided at the time by the relevant third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes. You may also register on the National “Opt Out” register of the Direct Marketing Association of South Africa by going to www.nationaloptout.co.za.

Age

To register with us for a loan you must be at least 18-years of age or older.

Changes to this Privacy Policy

We reserve the right, without limitation to in our sole discretion update or amend this Privacy Policy from time to time with or without notice. By clicking “PUSH TO PROCESS APPLICATION” you therefore agree to review the Privacy Policy whenever you visit our website or that of any of our partners who extend credit on our behalf, for any such amendments.

The most recent Privacy Policy will at all times supersede any previous versions of the Privacy Policy made available to users.

Which laws apply?

This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of the Republic of South Africa.

1 minute to go
We're sorry! You have, unfortunately, not been approved for this application.

This could be why:

[errorText]
We lend responsibly and therefore we rely on credit information and perform an affordability test as part of our credit lending practices.

Based on the information obtained from South African credit bureaus, your application does not meet our lending criteria.

What can you do?

Speak to Transunion Credit Bureau about your credit record
Come back and apply again in 3 months if you think your credit record has improved
Speak to a registered debt counsellor who may be able to help you
R[value] Approved:
Congratulations, you have been approved for credit

Next steps:

We need to ask you a few more final questions about your bank details
You have been provisionally approved for R[value] credit however one of our call centre agent's will be in contact to complete your application.

Please click on the "next page" button to complete a little more information that we need from you.
If you have any questions, please contact us on 0861 007 709
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Name of Bank

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Complete
We're sorry! You have, unfortunately, not been approved for this application.

This could be why:

[errorText]
We lend responsibly and therefore we rely on credit information and perform an affordability test as part of our credit lending practices.

Based on the information obtained from South African credit bureaus, your application does not meet our lending criteria.

What can you do?

Speak to Transunion Credit Bureau about your credit record
Come back and apply again in 3 months if you think your credit record has improved
Speak to a registered debt counsellor who may be able to help you
R[value] Approved:
Congratulations, you have been approved for credit

Next steps:

Provide us with a copy of your ID by:
  • Faxing it into us: 086 675 5556
  • Scanning it and emailing it to enquiries@fevertreefinance.co.za
  • When visiting the store, ask staff at the store to fax/email your ID to us.
Visit our front-desk where our friendly staff will process your purchase
CALL 0861 007 709 if you have ANY questions
You have been provisionally approved for R[value] credit however one of our call centre agent's will be in contact to complete your application.

Next steps:

One of our call centre agents will be in contact with you to arrange which store you are visiting to complete your credit application.

If you have any questions, please contact us on 0861 007 709