Legal Documentation

These Terms and Conditions constitute the entire agreement between you, the customer, and Credit Store (“Credit Store.co.za”, “us”, “we”, “our”). If you visit or shop at Credit Store.co.za, or if you create hyperlinks to CreditStore.co.za, you accept and agree to comply with the most recent version of this agreement in its entirety. When placing an order, the agreement in force at the time of your placing the order will apply to that order and its related transactions. Any hypertext links from this agreement to text elsewhere on this site shall be deemed to form part of this agreement.

We reserve the right to amend this agreement or any parts thereof at any time without notice. Amendments to this agreement take effect 24 (Twenty-Four) hours after the agreement has been amended on our website, and your continued use of the site implies your acceptance of the agreement as amended.

No hidden fees or buying obligations

There are no fees for registering, or for having an account, with CreditStore.co.za. There are no buying obligations – you order what you want, when you want to.

No unsolicited emails

You do not have to agree to sign up for our mailing list. You can opt-out of our mailing list, at any stage, on the website or by contacting us directly. You can choose whether or not you want to receive availability notifications for wish list items.

Privacy Policy

This is the privacy policy for CreditStore Online (Pty) Ltd. We invite you to contact us if you have any questions about this policy. Please email us on info@CreditStore.co.za.

We respect your privacy. Callouts like this are a summary of our privacy policy and contain the most important and relevant points for you. Please read the full privacy policy because it applies to you.

Security Policy

We take security very seriously. Our servers have been rigorously checked to ensure that they are not vulnerable to unauthorised access and activity on the servers is continually monitored.

Returns Policy

General Returns

Most items purchased on CreditStore.co.za can be returned to us for a refund.
Please contact us at info@CreditStore.co.za if you are unsure if an item is returnable.

We will not be able to accept the return of an item under our general returns policy in the following situations:

• If we receive a returned item later than three weeks after the date of dispatch
• if the item is not in mint condition
• if it is a non-returnable item
• if the seal on a game, computer, electronic, baby or toys item is broken

All GAMES, COMPUTERS, ELECTRONICS, BABY and TOYS items need to be returned unopened/sealed

Statutory Returns

Section 44 of the Electronic Communications and Transactions Act may apply to your order. Section 44 is only applicable if you are a natural person – in other words, a human being. You must also be the end user of the goods or services. If you qualify as a consumer under the ECT Act, you may be entitled to cancel some electronic transactions within seven days, without reason or penalty.

You must return any goods in new condition with all packaging and materials. We will refund the purchase price of the goods (minus the direct costs of returning the goods) within 14 (Fourteen) days of the date of cancellation.

The original delivery charge will not be refunded and the cost of returning the parcel is at your expense. Please include your order or invoice number in the box of the return so that your refund can be processed.

The following goods cannot be returned in terms of the ECT Act:

• Unsealed video games, software or other audio or video recordings,
• Books, magazines or other periodicals, and
• Items we have specially sourced for you

Section 56 of the Consumer Protection Act may also apply to your order. Section 56 will only apply if:

• you are a natural person – in other words, a human being, or
• a juristic person (like a company, trust or closed corporation) with an annual turnover of less than R2 million.

If you qualify as a consumer in terms of the CPA then all of our goods sold to you are sold with an implied warranty of quality against any defects for six months of normal household or business use, from the time we supplied the goods.

Defective goods are those that had a defect or were unsafe when we supplied them. A defect usually means that the goods were manufactured using materials, components or workmanship below an acceptable standard. You must prove that goods are defective.

We will replace, repair, or refund the price of any defective goods that you return to us during the six-month statutory warranty.

We will refund the reasonable postal and insurance costs of returning defective goods. We may inspect the goods to confirm that they are defective before we do so.

Our customer services department may tell you that they do not believe you have a claim, for example because the warranty period of the goods has expired. In this case we may refuse to replace goods, or refuse to pay a refund

Deliver the defective physical goods under warranty to us or post them by normal prepaid registered post, insured against loss, damage and theft. The street and postal addresses for all returns are the same as for our customer services department, details of which are below.

Once we have received the package, we will notify you that we have received the physical goods. Please allow 10 (Ten) working days from the date on which you sent the envelope or package for it to reach us. If we have not notified you within 10 (Ten)working days, please contact the postal service that you sent the package through and try and establish whether it has been delivered to the correct address.

If you claim that our goods are defective, our technicians will examine the goods for defects. In the case of physical goods, our technicians will examine the actual goods. They will report to us whether the goods were defective, were misused or are of good quality. If our technician reports that the goods were misused, were of good quality, were not provided to you for a specific purpose or were suitable for that purpose, then we will not replace or refund the goods.

If you choose for us to replace or repair the goods, we will contact you as soon as reasonably possible to organise the necessary steps to repair or replace the goods.

If you select for us to make a refund, we will contact you and arrange payment of the refunded amount into a Credit store Online Wallet as a positive credited amount.

If we do not accept that we supplied defective or unsuitable goods, and our customer services department has not been able to help, any customer may still take the matter up with the consumer goods and services ombuds or other dispute resolution body, or take legal action. The dispute resolution procedures under the CPA do not necessarily apply to all transactions with us. This policy does not exclude any other rights customers may have.

We aim for complete customer satisfaction. We respect our customers’ rights and always try to comply with best practices and all relevant laws. If you are not satisfied with any of our goods, or have any questions, please contact our customer services department and have your invoice ready. We will try our best to solve your problem.

Incorrect items

In the event that we deliver incorrect items, we will either replace the item or refund you for any item that you receive that does not match the description advertised on the website. We will require you to return the item to us at no additional cost to yourself.

Please contact us at info@CreditStore.co.za within 24 (Twenty-Four) hours if the item is not what you ordered.

Warranty support – computers and electronics

All COMPUTERS and ELECTRONICS products sold on CreditStore.co.za (excluding Gaming Consoles) carry their full manufacturer’s warranty as stipulated by the official South African distributor, unless otherwise specified. Such warranty is usually, but not limited to, 12 (Twelve) months and if not stipulated on the CreditStore.co.za website can be requested by contacting info@CreditStore.co.za.

Items under warranty are sent to the relevant supplier or official service centre for repair or replacement. Such Manufacturer Guarantee is restricted to the costs of repair or replacement of faulty goods or refund of the purchase price at the sole discretion of CreditStore.co.za and its suppliers after investigation and/or testing of goods. Defective software may only be exchanged for an identical item.

All Hardware Manufacturer Guarantees are immediately null and void if the equipment has been tampered with, warranty stickers have been removed, seals on equipment have been broken by anyone other than the manufacturer’s representative or if the goods have been operated outside the manufacturer’s specifications.

The Warranty on gaming consoles (Playstation, Xbox 360, Nintendo) are carried by the official local distributor or their authorised service agent and not by CreditStore.co.za. For gaming console warranty claims please contact the following:

• Playstation (PSP, PS3, PS2): Partserve – 0861 773 783
• Xbox 360: Powercare – xbox360support@powercare.co.za / 0861 9269360
• Nintendo (Wii, NDS, 3DS): Nintendo – collections@core.co.za / 087 940 3200

Under no circumstances will CreditStore.co.za be liable for any damage arising from any misuse or abuse of the goods. CreditStore.co.za cannot be held responsible for any data loss whatsoever from storage media returned for exchange or repair.

Please ensure that all games and software are compatible with your current hardware, operating system or console as CreditStore.co.za cannot be responsible for system incompatibilities. System requirements are usually available on the publisher’s official website. If you are still unsure of whether the item is compatible with your system, please contact info@CreditStore.co.za for further confirmation.

Prices

The prices displayed are inclusive of 15% (Fifteen Percent) VAT. Delivery costs are charged separately on check out and do not form part of the product price displayed.

Though we endeavor to ensure that the prices displayed on the website are accurate, we offer several million products for sale at any time and it is impossible for us to monitor the prices of all individual products manually. While we go to lengths to ensure that the prices, we display are accurate, we are reliant on our suppliers for providing accurate pricing information and as a result it is possible that erroneous prices may be displayed from time to time. In such cases, we shall not be obliged to sell the product at the erroneous price, and will correct erroneous prices as soon as we become aware of them.
As part of our service, we source products from all over the world and the prices we display for products on our website will fluctuate with exchange rates, and as our suppliers change their stock holdings and pricing. The client will be responsible for any changes in the currency. Displaying a price on the website does not constitute any undertaking by us to maintain that price for any length of time. We will always endeavor to complete your order at the price quoted at the time that the order was placed, but in cases of erroneous pricing or where our suppliers deplete their reserves of specially priced stock, we may cancel all or a portion of your order and fully refund any advance payments that you have made toward the affected products.

Payments

If you pay by credit card, we will authorise (reserve) the amount of the order at the time of the order being placed and we will debit the card as soon as we actually start processing the order. Any subsequent cancellations will be refunded to the card.

We do not store your credit card details. Our acquiring bank allows us to transact on cards that we’ve used in the previous 6-month period by using partial card details and referring to the previous successful transaction on that card. If applicable, you can choose to pay on your previously used card during the checkout process.

We may require further authentication on credit card payments, which we will request from you after you have submitted your payment.

If you pay directly into our bank account and need to be refunded, we will refund the amount to your CreditStore.co.za customer account.

All refunds will be credited to your customer account (Wallet).
There is no interest payable on the balance in your customer account.

Delivery

For deliveries, we use the South African Post Office, Courier-it (door-to-door deliveries).

We reserve the right to use any other service providers as needed.

You need to ensure that you provide us with a valid delivery address and contact number and choose the correct delivery address and delivery method during the checkout process.

For further information regarding our delivery rates and terms & conditions.

Please contact us if you do not receive your parcel within the estimated delivery time provided and we will happily assist in locating it.

You accept that in order for us to prove delivery of an order, or part thereof, we do not have to prove that you personally received the goods, but that any person at the delivery address specified on your order signed for the delivery.

In the case of post office or depot collections, we need to prove that somebody, not necessarily you, collected the delivery from the depot or post office. Unfortunately, proof-of-delivery records cannot be retained indefinitely and if a delivery has been dispatched by us and not reported missing by you within 6 (Six) months of us having dispatched it, the package will be deemed to have been delivered without us having to provide proof of delivery.

Should a delivery be returned to us as undeliverable, we will let you know and request that you to make arrangements to either have the parcel collected from us or re-delivered to you. You authorise us to dispose of, donate, or resell the contents of parcels not collected within 6 (Six) months of such request being made.

Should you choose to collect your order or parts thereof from us, we will let you know once each parcel is ready for collection. You authorise us to dispose of, donate, or resell the contents of parcels not collected within 6 (Six) months of such notification being sent.

Should you receive a delivery where the contents of the package do not match the items listed on the dispatch note included in the package, you agree to notify us without delay and we will not be liable for shortages not reported within 7 (Seven) days of you having received the package.

Delivery made to areas outside of the delivery areas of our service provider will be charged at higher rates and must be paid by the customer in addition to the price of the product purchased.

Age restrictions and age suitability

The onus is on you to ensure that you and/or the person for whom you may be buying a product on the Website, meet any age restrictions applicable to such products ordered by you on the Website (including wine and spirits, DVDs and Blu-Rays), that these restrictions are observed, that you are over 18 in the case of Wine and Spirits, and that any product bought is age appropriate. Accordingly, you indemnify CreditStore.co.za from any and all liability in this regard, including any liability arising as a result of your failure to provide accurate information in this regard when completing the CreditStore.co.za Website registration process.

Delayed / cancelled orders

Most orders are dispatched on time but unfortunately, unexpected delays can occur and we may not be able to dispatch items within the schedule provided. Items can run out of stock or be discontinued without warning, and we may not be able to fulfil orders for that item. We will do our best to keep you informed of any unexpected delays, stock shortages or discontinued items.

If we are not able to dispatch or deliver an item to you within the schedule provided, you may refuse a delivery, cancel your order or return the parcel to us, and we shall refund you in full, unless the delay is not due to the negligence of Credit Store.

Agreement of sale / cancellations

An order is placed with us only after you have clicked on the [Pay for this order] button. Your order is an offer to purchase the goods from us. We only accept your offer once we have dispatched the goods or you have collected them from us. We do not need to communicate our acceptance to you.

Placing an item in your cart does not constitute an order and we cannot be held liable if the item is no longer available, or if the price has changed by the time the checkout process is completed.

We reserve the right to cancel an order at any point in time without giving any reasons. In this case, we shall be liable to refund any money already paid in respect of that order.

Please note that our website will show an item as being available even if only one unit is available to purchase. If you order multiple units of the same item, we may not be able to supply additional units at the same price, within the same time frame, or in some cases, at all. Please contact us to check availability of multiple units prior to placing an order.

Should you wish to cancel all or part of an order, please send your cancellation request to info@CreditStore.co.za. Please note, however, that we may not be able to cancel items from an order if they have already been dispatched by our suppliers.

Competitions

Competitions will be subject to terms and conditions and these are provided during the time the competition runs.

Promotional Vouchers

Promotional Vouchers cannot be transferred or redeemed for cash. If you are claiming a voucher which has been distributed for Marketing purposes, then only 1 (One) voucher can be claimed against an order i.e. only 1 voucher per order, per customer will be allowed. CreditStore reserves the right to terminate or expire promotional vouchers at any time at their own discretion.

VAT and 3rd Party Services

While we will endeavour to ensure pricing is updated constantly, the pricing for CreditStore items depicted on certain 3rd party services including Price check and Google Shopping may temporarily be inaccurate until such time that such services update their systems to the new prices.

Using and Accessing CreditStore.co.za

This site is for personal use only. You may not make use of content from this site, whether direct or derived, for any commercial purpose whatsoever.

You may not use any form of automated search or download technology to access this site unless it is according to the guidelines set forth in our Terms and conditions files. You may not frame or utilise framing techniques to enclose any content on this site without our express written consent.
You are granted a limited, revocable, and nonexclusive right to create hyperlinks to CreditStore.co.za web pages as long as such links do not portray CreditStore.co.za or its affiliates or products or services in a false, misleading, derogatory, or otherwise offensive matter.

Disclaimer and limitation of liability

This site is provided “as is”, and you use this site at your own risk. Neither CreditStore.co.za, its directors, employees, affiliates, agents or suppliers shall be responsible for any damages or loss resulting from or relating to the use of this site or any of its content, irrespective of the cause of the damages.

We make no representations or warranties of any kind, whether express or implied.

We disclaim all representations and warranties including but not limited to the site and its availability, the content of the site or the accuracy thereof, product availability and delivery times, merchantability or fitness for a particular purpose of information, goods or services.

The views and opinions expressed in all the books on our site are those of the authors and do not necessarily reflect the views and values of our brand.

Force Majeure

No party will be responsible for any breach of this agreement caused by circumstances beyond its control, including, but not limited to, flood, fire, earthquake, war, tempest, hurricane, industrial action, government restrictions, or acts of God.

If there is an event of force majeure, the party affected will tell the other immediately, and they will meet within seven days to negotiate other ways to carry out any affected responsibilities under this agreement. The parties will continue to comply with the responsibilities that are not affected by the circumstances.

If a party cannot fulfil a material (significant) part of its responsibilities under this agreement for more than 60 (Sixty) days because of force majeure, the other party may cancel this agreement by written notice.

Changes and acceptance of terms

We may change the terms at any time and where this affects your rights and obligations, we will notify you of any changes by placing a notice in a prominent place on our website or by email. If you do not agree with the change you must stop using the services. If you continue to use the services following notification of a change to the terms, the changed terms will apply to you and you will be deemed to have accepted such terms.

If you do not agree with the changes, you must stop using the service. If you continue to use the service following notification of a change, the changed terms will apply to you and you will be deemed to have accepted them.

Domicilium

Our domicilium citandi et executandi (physical address) for all purposes under this agreement is: 81 Botterklapper St, The Willows 340-Jr, Pretoria, 0081.

Contacting CreditStore.co.za

Please contact us at info@CreditStore.co.za

We will always try to be as helpful as we can and solve any problems promptly.

Our contact number is 087 012 5461. Our email address is info@CreditStore.co.za

Delivery rates

Irrespective of the delivery method you choose, we always take responsibility up to the point of delivery, i.e. if your parcel goes missing or the contents are damaged, we will replace the affected items at no cost to you.

Please note that the time taken to ship an item is listed on each product’s detail page. For example, “Usually shipped within 2-5 (Two to Five) working days” means that it will take us 2-5 working days to get the product from our supplier. The delivery times listed below apply once we ship the item to you.

Delivery options at a glance

Dependent on the number of items, mass, and value of the order. Delivery cost generally reduces as items are added to the order.

We currently offer 1 methods of delivery.

Courier

These are door-to-door services. The delivery address must be a physical address, and cannot be a post office box. Someone will need to be available at the address to receive the delivery. Deliveries are made during business hours from Monday to Friday. We currently offer three courier options.

• Priority courier. In main centres, this will reach you the next business day after we ship your order.
• Standard courier. In main centres, this will reach you within 1 (One) – 2 (Two) business days after we ship your order.
• Economy courier. In main centres, this will reach you within 1 (One) – 3 (Three) business days after we ship your order. Main centres include properties within a 50km radius of the major cities in South Africa. If you are not in a main centre, it may take a few days longer. We do not deliver by courier to plots, farms, mines, military bases, major chain stores, power stations, game reserves and lodges, airports or harbours, and should your delivery address fall into one of these categories you will be liable for the extra costs incurred in delivering or returning the parcel.

Our office hours are Monday to Friday 8:30am – 5pm.

Free delivery options are subject to change.

APP Orders

The above also applies for APP orders.

Introduction

This website is operated by CreditStore.
Finance and loans are underwritten by ……

All financial amounts on this website are in South African Rand (ZAR)

1. Introduction

   This website is operated by EASY CREDIT STORE (PTY) LTD branded as CreditStore (hereinafter referred to as “CreditStore” for ease of reference). The terms such as “we”, “us”, and “our” refer to CreditStore. The use of our website is subject to the following terms and conditions of use, as amended from time to time (the “Terms” for ease of reference). The Terms are to be read together by you (“The Client”) with any terms, conditions or disclaimers provided in the pages of our website. Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, Clients, merchants, vendors and/or contributors of content. If you access and use this website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorised to access our website, use any of our website’s services or place an order on our website.

2. USE OF OUR WEBSITE

   You agree to use our website for legitimate purposes and not for any illegal or unauthorised purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least 18 (Eighteen) years old and are legally capable of entering into a binding contract. You agree to not use our website to conduct any activity that would constitute a civil or criminal offence or violate any law. You agree not to attempt to interfere with our website’s network or security features or to gain unauthorised access to our systems. You agree to provide us with accurate personal information, such as your email address, mailing address and other contact details in order to complete your transaction or contact you as needed. You agree to promptly update your account and information. You authorise us to collect and use this information to contact you in accordance with our Privacy Policy.

3. GENERAL CONDITIONS

   We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the website, including terminating, changing, suspending or discontinuing any aspect of the website at any time, without notice. We may impose additional rules or limits on the use of our website. You agree to review the Terms regularly and your continued access or use of our website will mean that you agree to any changes. You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, feature or product offered through our website.

4. LINKS TO THIRD-PARTY WEBSITES

   Links from or to websites outside our website are meant for convenience only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to our website unless these sites or providers are linked through contractual agreements and API’S ( Application Programming Interface which allows two applications to talk to each other) the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

5. USE COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

   You acknowledge that you are responsible for the information, profiles, opinions, messages, comments and any other content (collectively, the “Content” for ease of reference) that you post, distribute or share on or through our website or services available in connection with our website. You further acknowledge that you have full responsibility for the Content, and its trademark, copyright and other intellectual property ownership.

   You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content.

   You agree that you will not post, distribute or share any Content on our website that is protected by copyright, trademark, patent or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive or obscene nor will it contain any malware or computer virus that could affect our website’s operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party.

   We reserve the right to terminate your ability to post on our website and to remove and/or delete any Content that we deem objectionable and against public policy. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.

6. USE COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

   Please see our Privacy Policy to learn about how we collect, use, and share your personal information.

7. ERRORS AND OMISSIONS

   Please note that our website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). Such errors, inaccuracies or omissions may relate to product description, pricing, promotion and availability and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law.

   We do not undertake to update, modify or clarify information on our website, except as required by law.

8. DISCLAIMER AND LIMITATION OF LIABILITY

   You assume all responsibility and risk with respect to your use of our website, which is provided “as is” without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected, or that our websites or the servers that make our website available are free of viruses or other harmful components.

   The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website. We will not be held liable for any damages of any kind related to the use of our website.

   In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.

   Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum permitted by law.

9. INDEMNIFICATION

   You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to, any third-party claim that any information or materials provided by you infringe upon any third party proprietary rights.

10. ENTIRE AGREEMENT

    The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledged that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

11. WAIVER

    Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

12. HEADINGS

    Any headings and titles herein are for convenience only.

13. SEVERABILITY

    If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.

14. GOVERNING LAW

    Any disputes arising out of or relating to the Terms, the Privacy Policy, use of our website, or our products or service offered on our website will be resolved in accordance with the laws of the Republic of South Africa without regard to its conflict of law rules.

    Any disputes, actions or proceedings relating to the Terms or your access to or use of our website must be brought before the courts of the RSA, and you irrevocably consent to the exclusive jurisdiction and venue of such courts.

15. QUESTIONS OR CONCERNS

    Please send questions, comments, and feedback to us: info@creditstore.co.za

16. PRIVACY POLICY

    We are committed to maintaining the accuracy, confidentiality, and security of your personally identifiable information (“Personal Information”). As part of this commitment to you, our Privacy Policy governs our actions as they relate to the collection, use and disclosure of Personal Information. Our Privacy Policy is based upon the values set forth by the legislation of the Republic of South Africa, and more specifically, the Protection of Personal Information Act, Act 4 of 2013.

    1. Introduction
       We are responsible for maintaining and protecting the Personal Information under our control. We have designated an individual or individuals who is/are responsible for compliance with our Privacy Policy.
    2. Identifying Purposes
       We collect, use and disclose Personal Information to provide you with the product or service you have requested and to offer you additional products and services we believe you might be interested in. The purposes for which we collect Personal Information will be identified before or at the time we collect the information. We undertake to use your Personal Information for that specific purpose only. We undertake to first obtain your written consent before we use your Personal Information. In certain circumstances, the purposes for which information is collected may be clear, and consent may be implied, such as where your name, address and payment information are provided as part of the order process.
    3. Consent
       Knowledge and consent are required for the collection, use or disclosure of Personal Information except where required or permitted by law. Providing us with your Personal Information is always your choice. However, your decision not to provide certain information may limit our ability to provide you with our products or services. We will not require you to consent to the collection, use, or disclosure of information as a condition to the supply of a product or service, except as required to be able to supply the product or service.
    4. Limiting Collection
       The Personal Information collected will be limited to those details necessary for the purposes identified by us. With your consent, we may collect Personal Information from you in person, over the telephone or by corresponding with you via email or the Internet.
    5. Limiting Use, Disclosure and Retention
       Personal Information may only be used or disclosed for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law. Personal Information will only be retained for the period of time required to fulfil the purpose for which we collected it or as may be required by law.
    6. Accuracy
       Personal Information will be maintained in as accurate, complete and up-to-date form as is necessary to fulfil the purposes for which it is to be used.
    7. Safeguarding Customer Information
       We undertake that your Personal Information will be protected by security safeguards that are appropriate to the sensitivity level of the information. We take all reasonable precautions to protect your Personal Information from any loss or unauthorised use, access or disclosure.
    8. Openness
       We make information available to you about our policies and practices with respect to the management of your Personal Information.
    9. Customer Access
       Upon request, you will be informed of the existence, and disclosure of your Personal Information, and will be given access to it. You may verify the accuracy and completeness of your Personal Information, and may request that it be amended, if appropriate. However, in certain circumstances permitted by law, we will not disclose certain information to you. For example, we may not disclose information relating to you if other individuals are referenced or there are legal, security or commercial proprietary restrictions.
    10. Handling Customer Complaints and Suggestions
        You may direct any questions or enquiries with respect to our Privacy Policy or our practices by contacting info@creditstore.co.za
    11. Additional Information
        1. Cookies
           A cookie is a small text file or computer file or piece of information that is stored by your browser (for example, Internet Explorer or Safari) on your computer, PC or mobile device when you visit websites.
           
           You can think of cookies as providing a history for a website which will recognise when you visit a site again and respond appropriately. We use cookies to improve our website’s functionality and, in some cases to provide visitors with a customised online experience. Cookies are widely used and most web browsers are configured initially to accept cookies automatically. You may change your Internet Browser settings to prevent your computer from accepting cookies or to notify you when you receive a cookie so that you may decline its acceptance. Please note, however, if you disable cookies, you may not experience optimal performance of our website.
        2. Web services
           Our website has several API’s (Application Programming Interface which allows two applications to talk to each other) built in, which allows us to validate client information and to access Credit Bureau and/or banking information as well as other data sources which assist us to identify, improve client experience and evaluate credit risk.
        3. Other Websites
           Our website may contain links (other than the API’s) to other third-party sites that are not governed by this Privacy Policy. Although we endeavour to only link to sites with high privacy standards, our Privacy Policy will no longer apply once you leave our website. Additionally, we are not responsible for the privacy practices employed by third party websites. Therefore, we suggest that you examine the privacy statements of those sites to learn how your information may be collected, used, shared and disclosed.