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

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

• 1.1. The Rochester website is provided as a convenience to you and our customers for informational purposes only. In order to use the Rochester website for services including but not limited to on-line shopping, browsing, product information, store locations, subscribing as a user, viewing and managing your account and orders, etc. you may be required to provide your personal information.
• 1.2. We reserve the right to make changes to the documents and/or other materials contained on this website from time to time without notice. This right also applies to these terms and conditions. Rochester will post the revised terms on the website. You may use the Rochester website for your own personal non-commercial use and not for republication, distribution, sale or other use.
• 1.3. If there is a conflict of meaning between these website terms of use and any other terms, policies or notices, the specific terms, policies or notices will take preference where it applies to your use of the Rochester website.
• 1.4. The Terms constitutes the entire agreement between the parties. If any term is void, unenforceable, or illegal, the term will be severed and the remainder of the terms will be effective.
• 1.5. Unless otherwise specified, the goods and services offered on this site are intended for citizens of the Republic of South African only. The terms will be governed by and interpreted according to the laws of the Republic of South Africa without giving effect to any principles of conflict of law. By you ticking the “I confirm I have read and understand the Terms & Conditions applied to the use of this website” box forms a legally binding agreement between you and Rochester

In the Rochester website terms of use:

1. 2.1. “terms” mean these website terms of use, any specific terms, the privacy policy and any other terms, policies or notices agreed between you and Rochester;
2. 2.2. “we” or  “us” or “Rochester” means Rochester whichever one applies;
3. 2.3. “website” means www.rochester.co.za;
4. 2.4. “Rochester website” means www.rochester.co.za;
5. 2.5. “you” or “user” means any person who visits, accesses or uses the website.

 

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

You may only use the website if, in terms of South African law, you have the legal capacity to agree.

You may only link to the website by linking to the home page of the website.

• 3.1. You, the customer, agrees and acknowledges that:
• 3.1.1 You will at all times comply with the Law(s); including the National Credit Act of 2005 and the Consumer Protection Act and/or any other applicable legislation (if it applies to the customer for the receiving, compiling and reporting of information.) Without limiting the generality of the foregoing, the customer specifically agrees that when reporting Personal and other information to Rochester;
• 3.1.2 Such information will include all mandatory data;
• 3.1.3 You will have taken all reasonable steps to ensure that the information submitted is accurate, up-to-date, relevant, complete and valid when submitting such information;
• 3.1.4 You may submit the information to Rochester, to make such information available to its associated partners, to render the services offered, and that such information is not subject to a duty of confidentiality between Rochester and the customer.
• 3.1.5 As a Visitor or User, you agree that we may electronically accumulate, keep and use the following of your information:
• 3.1.6 Internet usage information, including your Internet Protocol (“IP”) address, click patterns, browsing habits, version of software installed, system resolutions and type, plug-ins, colour capabilities, cookie preferences, language settings, search engine meta words (keywords), JavaScript enablement, unique user ID, the pages and content that you access on the Platform/Website and the dates and times that you visit the Website, besides paths taken and time spent on pages/sites within the Website (“Usage Details”); and
• 3.1.7 Additional information you may provide voluntarily, such as demographic information or data related to your favourite social networking site (e.g. the site name, address and description(s)), or information relating to your participation in Rochester competitions, promotions, studies, reviews and surveys, and additional services. (“Optional Details”).
• 3.1.8 Details submitted, when registering or transacting, to use the services on the Rochester website. You may submit optional Details to us if you upload or download certain content (or products) from the Website/Platform, enter competitions, partake in promotions, respond to reviews/surveys, subscribe to or register for specific additional services; or else use any of the optional features and functionality of the Website/Platform.
• 3.1.9 “Cookies” Information: When you access the Website/Platform, we may send one or more cookies (these are small text files containing a string of alphanumeric characters) to your computer to collect certain Usage Details. Rochester may use both session cookies (which disappears after you close your browser) and persistent cookies (which remain after you close your browser, which can be removed manually) and may be used by your browser on subsequent visits to the Website/Platform. Please note the use of cookies is a norm/standard on the internet and many major websites use them. Please refer to your web browser “Help” file to learn more about changing your cookie settings.
• 3.1.10 when you access the Website/Platform or open one of our HTML emails, we may automatically collect and record certain Usage Details from your system by using different tracking technology.
• 3.1.11 Our Website may contain electronic image requests (called a “single-pixel gif” or “web beacon” request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner); can act as a web beacon. Web beacons are typically 1by1 pixel files, (tiny unnoticeable files), but their presence can usually be seen within a browser by clicking on “View” and then on “Source.” We may also insert web beacons in HTML-formatted newsletters, which we send to “opt-in” subscribers to count how many newsletters they have read. Rochester web beacons do not gather, monitor or share any personally identifiable information about our customers. They are just the technique we used to compile anonymous information about the Website and Service.
• 3.1.12 Rochester may use any Optional Details provided by you, for such purposes as shown to you at the time you agreed to provide such Optional Details.
• 3.2 We may use your Usage Details to:
• 3.2.1 Automatically validate and/or verify your identity; for the website and transaction security purposes via Rochester or via a third-party service provider;
• 3.2.2 Automatically provide you with the latest version of the Rochester application on your system;
• 3.2.3 Remember your information so you will not have to re-enter it during your visit the next time you access the Website/Platform;
• 3.2.4 Monitor aggregate Website usage metrics such as total number of visitors and pages accessed; and
• 3.2.5 Track your entries, submissions, and status in any promotions or other activities in connection with your usage of the Website/Platform.
• 3.2.6 Rochester shall take all reasonable steps to protect the personal information of the Users and for this purpose, “personal information/personal details”; shall be defined as contained and detailed in the Promotion of Access to the Information Act 2 of 2000 (PAIA).
• 3.2.7 7 If you are a Rochester website user, you agree that we may also electronically gather, save and use the following information:
• 3.2.8 Name and surname, birth date, gender, identity number and /or passport number, nationality and country of residence (“Personal Information/Details”);
• 3.2.9 E-mail address, mobile number, home and delivery address and credit card billing address (“Contact Details “);
• 3.2.10 the credit or debit card number, cardholder name and expiration date you submit to Rochester website regarding your credit or debit card(s), (Credit or debit cards)
• 3.3 Rochester Website Users collects the aforesaid information from you in the following manner:
• 3.3.1 User-provided Information: Your Personal Information/Details, Contact Details and Debit or Credit Card Details will be provided by you directly to us during your registration as a Rochester website user and/or thereafter by you actively transacting, updating or supplementing such details in your Rochester website users Account.
• 3.3.2 Rochester uses the information that Rochester website users provide (or that we collect) to operate, validate, verify, maintain, enhance and provide all the features of the Services, and as may be necessary to comply legally when conducting online payment transactions and related service provided.
• 3.3.3 We use your Debit or Credit Card Details to provide the Services (including the verification thereof when you transact with Rochester) and, should fees be charged for some Services and you have selected a credit or debit card as your means of payment, we shall debit that credit or debit card for such fees owed by you. We use your Personal Information/Details to greet you when you access your Rochester User Account, to manage and administer your use of the Services and fulfil our contractual obligations, including the verification of your identity when you transact with Rochester.
• 3.3.4 We use your Contact Details to verify your identity and to inform you of facts relating to your use of the Service(s) (e.g. notifications regarding major updates or content you have posted or downloaded from the Website/Platform, customer service notifications, and to address any copyright infringement or defamation issues); as well as to inform you, subject to obtaining your prior agreement, of competitions, promotions and special offers from us and/or any of our partners and/or affiliates.
• 3.3.5 Any user, who commits any of the offences detailed in section 85 to 88 of the ECT Act 25 of 2002 shall, notwithstanding criminal prosecution, be liable for all resulting losses or damages suffered and/or incurred by Rochester and its partners/affiliates.
• 3.4 You may not:
• 3.4.1 Provide any incorrect information to the website or Rochester;
• 3.4.2. Change, copy, decompile or reverse-engineer the website or use the website to make derivative copies;
• 3.4.3. Lease, sell, assign or in any other way to distribute the website or any information gotten from the website without the prior written consent of Rochester;
• 3.4.4. Use malicious search technology, including but not limited to spiders and crawlers;
• 3.4.5. IFrame any pages of the website;
• 3.4.6 Deep-link to any pages of the website in a way to suggest that you are the owner or license of any intellectual property in the website
• 3.4.7. Use the interactive sections of the website, for instance, forums, clubs, surveys and e-mails, to post any material which in Rochester discretion is false, defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, sexually-oriented, threatening, invasive of a person’s privacy, or otherwise violates any laws. Rochester does not have editorial control over the submission of any content to interactive sections of the website. You submit all information, including the publication of pictures and/or articles, at your sole risk and responsibility. Rochester is not liable for damages or other adverse consequences caused by the use of the submissions.

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

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

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

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

• 5.1. Return of Goods

Goods may only be returned in terms of the Consumer Protection Act, Act 68 of 2008 (“the CPA”). If you are entitled in law to return goods, then and in line with the CPA, a handling fee of up to 15% of the value of the goods may be charged when the product/packaging is not returned in its original purchase condition.

• 5.1.1. Non-returnable/ non-refundable items:
• 5.1.1.1 Delivery and or installation costs
• 5.1.1.2 Pre-paid cards
• 5.1.1.3 Digital content
• 5.1.1.4 Any damaged or abused items.
• 5.1.1.5 Computer and gaming software, speakers, CD’s, DVD’s and Blu-ray discs unless we find that the goods were defective at the time of purchase.

5.2. Under no circumstances will we accept returned goods where the consumer has been allowed to inspect the goods before the purchase and subsequently changed his/her mind about the goods; they have damaged the goods in negligence; the goods have been disassembled, permanently installed, physically altered, used or installed contrary to our own or the manufacturer’s instructions, and/or have been subjected to misuse or abuse.

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

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

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

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

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

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

5.6. In the unfortunate event that your purchased goods become defective, you may opt to take it to any Rochester store. You are entitled to the following option of as per the CPA (after goods have been inspected and assessed):

5.6.1 Have such goods repaired

5.6.2 Have goods replaced

5.6.3 Be refunded the price paid

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

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

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

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

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

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

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

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

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

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

5.8.9 Rust or the effects of rust;

5.8.10 10 Repairs or attempted repairs of the appliance by any person other than Rochester or its authorized repairers;

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

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

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

5.8.14 Any defect arising out of the design of the appliance

5.8.15 Any defect caused by a lightning strike or power surges

5.8.16 Blown or damaged speakers arising from misuse;

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

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

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

5.10. Rochester will not be liable for the costs of;

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

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

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

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

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

5.12. Repairs may not be effected without prior authorisation from Rochester.

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

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

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

5.16. Certain products will contain their supplier warranty, and we advise you to keep the same and refer to the same warranty for any differences in the above.

All pricing displayed on the web is inclusive of the current South African VAT, in South African Rands, and are subject to price changes and may change with no warning or notification. Please note that all prices displayed exclude the cost of delivery. Rochester takes utmost care to ensure that the displayed prices are correct. Where pricing on the website differs from the actual in-store pricing, the applicable price will be the lesser of the two prices, unless the lesser price is made in error and we have taken reasonable steps to rectify the error and, or where it is a website specific promotion for online purchases only or in branch-specific promotion for branch purchase only. Hence such promotional pricing will not be honoured. If a mistake is made or we display the incorrect price, we will correct this as soon as we are made aware of the incorrectly displayed price.

Goods made to order will incur additional costs.

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

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

Rochester accepts the following payments on its website:

• 7.1. Credit Card payments: Only South African issued (Visa and Master) credit cards are accepted for online payments. On completing the purchase cycle we send the sales details to the bank if payment is unsuccessful or authorisation is not issued by the bank we cannot complete your purchase cycle.
• 7.2. Bank Deposits and Electronic Funds Transfer: Should you select to pay via a bank deposit or Electronic Fund Transfer, on completion of your order instruction will be emailed to you regarding the method in which monies must be deposited in Rochester account subject to the following Terms and conditions:
• 7.3. EFT Pro: the full amount must be paid as per your order request within 48 hours of placing your order. We will cancel your order should you fail to deposit/transfer the funds within 48 hours of placing your order. The EFT must be in SA Rands (ZAR) only (no other currency will be accepted). Rochester cannot be held liable for any delays, errors, fees, bank-affiliated fees / admin charges and currency fluctuations.

  PayU EFT Pro only facilitates the transaction between you and your bank. The terms and conditions existing between you and the Bank still apply.

  PayU does not store any online banking login details. The Delivery timeframe is relative and depends on the time and date of the successful EFT Pro confirmation (please refer to our delivery timeframes T&Cs for info). As we do not store your banking details when conducting an EFT PRO, should you request a refund, we will require you to furnish your Bank account details again.

• 7.4. For a direct deposit, the deposit must be in cash and SA Rand only, (no other currency will be accepted).
• 7.5. No cheque deposits are accepted.
• 7.6. Mobicred facilitates the credit transaction. The terms and conditions existing between you and mobicred still apply. The Delivery timeframe is relative and will depend on the time and date of the successful mobicred confirmation (please refer to our delivery timeframes T&Cs for info.

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

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

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

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

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

7.7 Revolving Credit Card

• 7.7.1 JD Group facilitates the credit transaction. The terms and conditions existing between you and JD Consumer Electronics and Appliances (Pty) Ltd still apply. The Delivery timeframe is relative and will depend on the time and date of the successful JD Consumer Electronics and Appliances (Pty) Ltd confirmation, refer to our delivery timeframes Ts&Cs for more information.
• 7.7.2 JD Group makes use of Secure Citizen’s integrated third party solution during the checkout for credit transactions.
• 7.7.2.1 This is to ensure that you, the customer, authenticate and approve the transaction. If you proceed with the credit transaction, you consent to Secure Citizen processing your personal information and communicating with you for this purpose. In order to authenticate, you will be required to complete facial biometric matching via a “selfie” which is taken by you, sent to Secure Citizen and verified against your image that is housed at Home Affairs.
• 7.7.2 All transactions processed through Secure Citizen are encrypted. The Secure Citizen security policy can be found at Secure Citizen. Please also read the Secure Citizen Terms and Conditions, at Secure Citizen Terms & Conditions.
• 7.7.2.3 JBy submitting a credit transaction through any of the JD Group website services, you warrant that you are acting within the bounds of the law and that you have the legal capacity to transact or have the mandate to transact. This includes that you have got the express permission of the person and/or business whose information you are submitting/using through any of our services. You therefore indemnify JD Group of any loss that might occur in respect of your use of the online payments solutions available. In addition, you warrant that you are not in breach of the Consumer Protection Act or National Credit Act, nor any other applicable legislation.

You indemnify JD Group, its Members and employees from any claim and/or liability from any third party claim arising out of your instructions and/or use of the service(s).

• 8.1. General Delivery Information

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

• 8.1.1. Rochester delivers within the borders of South Africa only.
• 8.1.2. Deliveries are door-to-door and must be to a physical address within the borders of South Africa and not a Post Box. We do not deliver to any postal addresses. Please ensure all delivery details including the postal code are accurate, as you will be liable for all additional handling and shipping charges because of such errors. Please ensure someone is available to sign for and receive your goods at the time of delivery. We will deem it you, as the purchaser, assigns without prejudice and without a proxy, to a party other than yourself, to sign for your goods at your specified and confirmed delivery address should you not be present at the time of delivery.
• 8.1.3. You accept that Rochester does not have to prove that you received the delivery of such goods. You agree that it would only require us to prove that someone, not necessarily yourself, signed for the goods at your specified and confirmed delivery address. Although we monitor every purchase order to ensure we deliver your package.
• 8.1.4. Should you have not received your delivery of goods after 24 hours of the expired delivery period, you need to contact us within a maximum of 48 hours. Should you not notify us of a ‘no delivery’ within the period, you agree that we would deem you received the purchased goods.
• 8.1.5. Delivery of products purchased through the online store is subject to the geographical delivery framework as determined by our courier partner. Should your delivery address fall into one of these categories, you will be liable for any additional costs incurred in delivery, storage and or returning the parcel. (Category list as follows; plots, farms, mines, military bases, major chain stores, power stations, game reserves and lodges and harbours)
• 8.2. Failed delivery:
• 8.2.1. We will notify you of a failed delivery i.e. where no one was at the specified delivery address to receive and sign for the goods at the time of delivery. We will attempt to reschedule the delivery with you within 24–48 hours; however, you may be liable if we incur any additional handling and shipping charges for a re-delivery.
• 8.2.2. Goods shipped in error /Incorrect goods delivered:

In the unfortunate event that you receive a delivery whereby the goods delivered to you does not match your products or its quantity as per your waybill/purchase order, you agree to notify us immediately upon receipt of such delivery on 0861 71 72 73, to have the incorrect goods collected and the correct goods delivered to you.

• 8.3. Damaged Goods delivered:

Please notify us within 24 hours of receipt of delivery on 0861 71 72 73, in the regrettable event that you receive a damaged product. We will do our best to have the damaged product collected and a new product delivered to you within a maximum of 48 hours (weekdays only).

• 8.4. Price of delivery:

Delivery prices differ and is determined by:

• 8.4.1. Location within major centres or outlying Delivery Areas
• 8.4.2. Type of delivery. (Normal order, special order, customer order)
• 8.4.3. Weight and Dimensions of the total purchase order.
• 8.4.4. In the event of special delivery deals, the price of the product or total purchase order value could determine the delivery rate.
• 8.4.5. The price of your delivery is calculated automatically and will be displayed before the payment process, in the shopping cart and at checkout.
• 8.5. Delivery Periods important to note:
• 8.5.1. Delivery service will start on payment confirmation received (or only after requested supporting documents like the verification of a TV License and a copy of an I.D) have been received.
• 8.5.2. We deliver from Monday to Friday from 08:00 to 17:00 to both business and residential addresses. No deliveries take place on a Saturday or Sunday or any other Public Holiday. We may request identification upon delivery.
• 8.6. Duration of delivery:

Delivery periods will be effected as per selected delivery type and delivery province and / or area after collection from point of dispatch and between Major Centre's from Monday to Friday.

It is important to note that delivery timelines differ and is determined by province:

• 8.6.1. Eastern Cape: 21 – 28 Days
• 8.6.2. Free State: 14 – 21 Days
• 8.6.3. Gauteng: 3 – 7 Days
• 8.6.4. KwaZulu-Natal: 3 – 14 Days
• 8.6.5. Limpopo: 3 – 7 Days
• 8.6.6. Mpumalanga: 7 – 14 Days
• 8.6.7. Northern Cape: 21 – 28 Days
• 8.6.8. North West: 14 – 21 Days
• 8.6.9. Western Cape: 21 – 28 Days

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

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

INTEREST RATE, DEPOSIT, INSTALMENT AND CREDIT PRICE MAY VARY BY CREDIT PROFILE AND LOAN TERM.

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

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

• 9.1. Quick On-Line Credit App Terms and Conditions (T&Cs)
• 9.1.1. General.
• 9.1.2. 1 Quick On-Line Credit App is subject to your acceptance of the T&Cs set out. By clicking on the tick-box provided, you acknowledge that you have read and understood the use of the website’s terms and conditions and the Quick On-Line Credit App and agree to be bound by them.
• 9.1.3. These T&Cs must be read together with our website Terms of Use, a copy of which can be found at www.Rochester.co.za or you can request them from us by email or calling by our call centre.
• 9.1.4. Quick On-line Credit App Process..
• 9.1.5. By completing and submitting this Quick On-Line Credit App, you;
• 9.1.6. confirm that you have read and understood these T&Cs, the meaning and that the Quick On-Line Credit App is subject the full credit application terms and conditions which include an affordability assessment as required by the National Credit Act, as amended to, (“NCA”);
• 9.1.7. confirm that you are the person whose details you have given to us as the applicant in the quick online credit app;
• 9.1.8. confirm all information that you provide us is truthful, complete and correct. You must immediately notify us if any of your information changes;
• 9.1.9. confirm you can apply for credit and to enter a credit agreement with us which includes that you are mentally sound, not under the influence of alcohol or drugs, above the age of 18 and got written consent from your spouse or civil partner. (where applicable);
• 9.1.10 consent to the further processing of your personal information for purposes relating to the Quick On-Line Credit App, including any Credit Bureau and other agencies, as permitted by law,
• 9.1.11. Once you receive confirmation that you qualify for credit confirmation of which you will receive by email and/or SMS, we require that you visit any Rochester store, quote your ID number or passport number and complete a full credit application.
• 9.1.12. Minimum full credit application T&Cs include:
• 9.1.12.1. ID Book or Passport (for non-RSA nationals);
• 9.1.12.2. latest payslip;
• 9.1.12.3 (three) months’ bank statements;
• 9.1.12.4monthly expense details and your household content insurance and/or Credit Life policy documents;
• 9.1.12.5 these requirements are dependent on your employment status and risk profile. INTEREST RATE, DEPOSIT, INSTALMENT AND CREDIT PRICE MAY VARY BY CREDIT PROFILE AND TERM LOAN.
• 9.1.12.6 The Quick On-Line Credit App is subject to the verification of the identification of the applicant being above the age of 18, who has a valid identity document or passport.
• 9.1.12.7. Your Quick On-Line Credit App offer will only be valid for 7 (seven) days from Quick On-Line Credit App Date.

9.2. Disclosures and consent

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

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

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

9.2.4. to supply and/or submit any information about you or provided to us by you;

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

9.2.6. to disclose the above information as required in law; and,

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

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

9.3. Information Security Policy

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

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

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

9.4. Law

9.4.1. This Quick On-Line Credit App is governed by the laws of the Republic of South Africa, irrespective of whether you are South African or are accessing our website outside of the Republic of South Africa.

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

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

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

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

9.4.6. We are entitled to cede, assign and delegate all or any of the rights and obligations in terms of these T&Cs without notice to you.

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

9.5. Contact Details

The following contact details are hereby disclosed:

Customer Care: 010 211 1120 or query@jdg.co.za

Credit Ombudsman: 086 1662 837

National Credit Regulator: 086 062 7627

Credit Bureau: 086 1128 364

• 10.1. Quick On-Line Credit App Terms and Conditions (T&Cs)

In this agreement, unless the context shows differently: -

• 10.1.1. “Agreement” means these terms and conditions, including the Schedule and all written notices that the supplier has given to the consumer;
• 10.1.2. “business day” means any day except a Saturday, Sunday or South African public holiday;
• 10.1.3. “consumer”/ “you”/ “your” means the person who has agreed to enter this Agreement and whose details are recorded in the Schedule;
• 10.1.4. “Schedule (s)” means the Retail Lay-by Schedule attached to these terms and conditions which records the purchase price of the goods, the number of amounts to be deposited, the quantity of the amounts to be deposited, the dates on which the amounts need to be deposited and any other Schedules which may be attached hereto by agreement between the parties;
• 10.1.5. “supplier”/ “we”/ “us”/ “our” means JDG Trading Pty (Ltd);
• 10.1.6. “VAT” means the value-added tax chargeable under the Value-Added Tax Act 89 of 1991;
• 10.1.7. the headings of the various clauses in this Agreement have been inserted purely for convenience, and they will not be used to interpret the Agreement.
• 10.1.8. any reference to a gender includes the other genders; and
• 10.1.9. the singular includes the plural and vice versa (the other way around).

10.2. INTRODUCTION/li>

You have agreed: -

10.2.1. to buy the goods set out in the Schedule on lay-by; and

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

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

10.3. Quick On-Line Credit App Terms and Conditions (T&Cs)

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

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

10.4. PAYMENT OF DEPOSIT AND INSTALMENTS.

10.4.1. You understand and agree that:

10.4.1.1.

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

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

10.4.3. Thereafter, you must deposit the monthly amounts by the due date until the last payment date. You must deposit all amounts at the address of the store, as detailed in the Schedule, or via a direct deposit into the bank account of the store.

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

>10.5.

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

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

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

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

10.6. STATEMENTS OF ACCOUNT AND CONTACT DETAILS.

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

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

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

10.7. <>DELIVERY OF GOODS.

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

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

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

10.7.4. If for reasons beyond our reasonable control, we cannot deliver that Type to you, we will, at your option: -

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

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

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

10.8.TRANSFER OF RIGHTS.

10.8.1. Unless you have got our prior written consent, it will not entitle you to cede, delegate, assign or transfer all or any part of your rights or obligations under this Agreement.

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

10.9. CONTACT DETAILS.

The following contact details are hereby disclosed:

Customer Care:………………. 0861 71 72 73

National Consumer Commission:… 012 761 3000

Consumer Goods and Services Ombudsman:… 0860 000 272

10.10. ADDRESS FOR NOTICES AND LEGAL PROCESSES.

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

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

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

10.10.3.1 . inform us you are changing your address; and

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

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

10.10.5. If we send a notice to you: -

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

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

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

10.11. GOVERNING LAW AND JURISDICTION.

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

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

10.12. GENERAL.

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

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

• 11.1. These Terms of the Online Exclusive Offers (Promotion) together with the Rochester Standard Terms and Conditions www.rochester.co.za set out the terms and conditions that will apply when you place an order through the Rochester operated website only and you purchase goods advertised as part of this promotion. Please note that the terms and conditions that apply to this promotion differ in certain parts from the terms and conditions that apply to order other products. We will explain later such differences in these Terms. If you cannot understand or have questions about these Terms, please contact Rochester on 0861 71 72 73. Please note that these Terms are subject to change so review and save or print a copy of the current terms and conditions before each order that you submit.

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

11.3. The Promotion starts at Rochester online only on the advertised and advertised day at 08:00 am and ends on the advertised and mentioned day at 00:00 pm. We will accept no purchases after midnight on the advertised and mentioned day.

11.4. You will need to be logged into the Rochester website to use the promotion.

11.2. ORDER AND ACCEPTANCE

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

11.2.1.1 We cannot process orders because of an error in the information you have provided;

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

11.2.2. The products you ordered are no longer available on the website.

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

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

11.2.5. If you have questions regarding Rochester order acceptance policy (Agreement of sale), or if you consider that your order was rejected in error, please contact Rochester on 0861 71 72 73.

11.3. PRODUCT AVAILABILITY

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

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

11.3.3. Because of the stock quantity, each customer may not purchase more than one product using this Promotion.

11.4. CUSTOMER STARTED ORDER CANCELLATIONS AND CHANGES

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

11.5. DELIVERY

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

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

11.5.3. Please see the delivery policy for further details.

11.6. GENERAL

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

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

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

• 12.1. Rochester requires you to produce a valid TV license and ID document when purchasing a TV. First-time buyers may purchase a TV license in-store.

In terms of the Broadcasting Act and Television License Regulations, license holders are required to note and/or comply with: Statutory obligations of a television license:

• 12.1.1. A television license is valid only at the permanent address reflected on the license.
• 12.1.2. A person purchasing a television set must have a valid (paid-up) TV license.

You may not purchase a television set using someone else’s TV license.

• 12.1.3. When taking out a domestic/household television license for the first time, we require a person to provide his/her details: surname, initials, a copy of an ID document, fixed address and contact details.
• 12.1.4. When renewing a television license, we require a person to present an existing license, a copy thereof, or a renewal notice
• 12.1.5. A license holder must notify the SABC, in writing, of a change of address within 30 days.
• 12.1.6. A television license is not transferable from one license holder to another except between spouses or between unmarried “life partners” in a permanent relationship or upon the death of a husband/wife or partner.
• 12.1.7. A single domestic television license is required per household regardless of the number of TV sets, provided that all sets used are at the license holder’s residential premises.
• 12.1.8. Rochester requires a separate domestic television license at the full annual tariff for an additional TV at a new residential property (e.g., a holiday home) since it involves a different physical address.
• 12.1.9. “Family members of a television license holder”–defined as all persons who are permanent residents with the license holder, and; depend on him/her, and are owed a legal duty of support by the license holder–are covered by a single TV license in his/her name. A person has to meet all three conditions to be covered by a household’s TV license. Such domestic license covers a license holder and his/her immediate, dependent family members–with a married couple, a husband/wife and his/her dependent, minor children. Adult (non-dependent) children or more distant relatives–such as adult children, parents/ grandparents, brothers/sisters, uncles/aunts–or boarders or lodgers sharing a family’s home, are not defined as family members. They are separately liable for television sets in their possession and/or used by them.

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

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

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

• 14.1.1. When you visit the Rochester Website, you consent to receive communication from Rochester electronically and agree that all agreements, notices, disclosures and other communication sent by Rochester satisfy any legal requirements, including but not limited to the requirement that such communications should be “in writing”.
• 14.1.2. You ensure that the goods are fit for the purpose for which you want to buy them and are in excellent condition and free of any form of defects before you take delivery of the goods. It is the responsibility of the customer to ensure, before delivery, that the goods listed on the till slip or your purchase order correspond in description, price and quantity with the goods purchased. You agree to adhere to the user/manufacturer’s instructions and ensure that you make yourself aware of all product warnings and safety instructions before the installation or use of all products purchased from Rochester. You are to keep proof of any repairs conducted and allowed by Rochester and proof of purchase on all returned goods.
• 14.1.3. You must make sure of all measurements and sizes before purchasing your goods, as we will not replace or refund you if the goods do not fit into the room/intended location or through a door.
• 14.1.4. The onus is on you to advise us if the goods are for a particular purpose when entering the transaction, and we cannot be held liable if you have not advised us of the goods particular purpose.
• 14.1.5. Rochester provides the website “as is” and “as available” and to the extent permissible by law disclaims warranties including but not limited to a warranty of title, merchantability, non-infringement, fitness for a particular purpose and that the website is free from defects, uninterrupted and error-free. While Rochester attempts to provide accurate and timely information, Rochester cannot guarantee this. Rochester may correct and change the website if required. The Rochester goods and services described on the website are available in RSA, through the Rochester branch network.
• 14.1.6. Although Rochester has tried to display the goods and their colours as accurately as possible, the displayed products and colours of the products will also depend upon your equipment and Rochester cannot guarantee that your equipment will display an accurate representation of the actual goods or their colours. Rochester will not be liable for any other website provided by any third party. It does not include all accessories shown with products for presentation in the price, nor are such products guaranteed to be available for sale by Rochester. In the event of delivery delays or out-of-stock situations, we will notify you and we will do our very best to ensure a speedy fulfilment.
• 14.1.7. Image Disclaimer: Where products are displayed with compatible devices, we will not include these devices as part of the sales price unless specifically identified as part of a product bundle. In all other cases, we show images to display products within a lifestyle setting and do not include part of a sales proposal including any said devices or lifestyle additions.

Rochester is to be exempted from any liability due to a customer failing to provide accurate registration information, or a customer failing to view special warnings, etc.

Subject to applicable law, you agree to indemnify, defend, and hold Rochester harmless against any claim or liability (including attorneys’ fees) arising out of your use of the website.

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

This Agreement is governed by the laws of the Republic of South Africa.

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

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

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

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

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

4. This Voucher can be redeemed online at rochester.co.za and in-store.

5. Vouchers are issued at the discretion of JD Group.

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

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

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

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

10. All vouchers are valid for a maximum period of 6 months unless otherwise stipulated.

11. Only one voucher can be used per purchase.

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

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

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

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

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

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

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

19. Additional values cannot be added to existing vouchers.

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

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

22. Changes to the Voucher Terms & Conditions will be available on the Rochester Website: rochester.co.za or rochester.co.za/rochester-terms-and-conditions

. In this regard the onus is on the customer to visit the Rochester website regularly to check whether the Voucher Terms & Conditions have changed.

TERMS AND CONDITIONS: CREDIT FACILITY AGREEMENT
1. DEFINITIONS AND INTERPRETATION

1.1 In this Agreement, unless the context indicates otherwise, a reference to any gender shall include the remaining genders, the singular shall include the plural and the following words and expressions shall have the meanings respectively assigned to them in this clause:

 1.1.1 "Agreement" means these terms and conditions, including the Quotation and all notices that we send to you;

 1.1.2 "Business Day" means any day which is not a Saturday, Sunday or a public holiday;

 1.1.3 "Due Date" means the date on which an instalment or payment is due, as set in the Quotation or Debit Order Authorisation, except where such day falls on a Sunday or public holiday, in which event, the Due Date shall be the first Business Day immediately BEFORE that date;

 1.1.4 "Goods" means the asset(s) that you bought from the Supplier;

 1.1.5 "NCA" means the National Credit Act 34 of 2005;

 1.1.6 “ECTA” means the Electronic Communication & Transaction Act 25 of 2002;

 1.1.7 “Advanced Electronic Signature” means an electronic signature which results from a process which has been accredited by the Authority as provided for in section

 1.1.8 "Personal Information" means personal information as defined in POPI Act;

 1.1.9 "Principal Debt" means the amount of the principal debt referred to in in Part A of the Quotation;

 1.1.10 "POPIA" means the Protection of Personal Information Act 4 of 2013;

 1.1.11 "Process/Processing" has the same meaning assigned thereto in POPIA;

 1.1.12 "Quotation" means the pre-agreement statement and quotation to which you have agreed and which is attached to this Agreement.

 1.1.13 "Supplier" means the person from whom you procured the Goods;

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

 1.1.15 "we"/"us"/"our" means JD Consumer Electronics & Appliances (Pty) Ltd, a private company duly registered and incorporated under the laws of the Republic of South Africa with registration number 1963/002315/07;

 1.1.16 "you"/"your" means the person who has agreed to enter into this Agreement and whose details are recorded in the Quotation.

1.2 The headings in this Agreement are included for reference purposes only and shall not in any way affect or govern the interpretation or construction of this Agreement.

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

2. CREDIT FACILITY AGREEMENT

2.1.1 You agree to borrow from the credit provider the loan amount set out in the schedule to this agreement and to pay to the credit provider the amounts set out in the schedule to this agreement, subject to the terms and conditions set out herein.

2.1.2 The parties record that this agreement is a credit facility as defined in the NCA and that the NCA is applicable to this agreement.

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

2.1.4 You acknowledge that you have received a Quotation and Pre-Agreement Statement (which includes a Summary of Rights, Obligations and Security) in terms of the NCA.

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

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

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

2.1.7 You may elect and instruct the credit provider to either:

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

 2.1.7.2 pay the whole of the loan amount to a third party nominated by you in the schedule to this agreement; or where offered

 2.1.7.3 pay a portion of the loan amount into the account mentioned in paragraph 2.1.6.1 and the remainder of the loan amount to a third party nominated by you in the schedule to the agreement.

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

3. PAYMENTS AND REPAYMENTS

3.1 You must pay all amounts due in terms of this Agreement on the Due Date.

3.2 You may at any time prepay any amount under this Agreement, without penalty. Your payments will be used to reduce your obligations in the following order:

 3.2.1 firstly, against due or unpaid interest;

 3.2.2 secondly, against due or unpaid fees or charges; and

 3.2.3 thirdly, against the outstanding amount of the Principal Debt.

 3.2.4 You shall pay to the credit provider the installments specified in the agreement.

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

 3.2.6 You are not entitled to skip any payment. You are entitled to make a payment before the stipulated payment date in terms of the agreement but you may not withhold payment in any given month as long as there is an outstanding balance.

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

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

 3.2.9 The debit order authorisation and mandate in terms of this agreement may be ceded or assigned to a third party if the credit provider cedes or assigns the consumer’s indebtedness to it in terms of this agreement to that party. 3.2.10 The credit provider may allow you to make payment at the address of the credit provider, as detailed in the agreement or by such other method as the credit provider may deem fit.

4. DISPUTES WITH THE SUPPLIER

4.1 You hereby acknowledge that this is a credit facility/ revolving loan agreement between you and the credit provider. The credit provider is not a party to any legal relationship that may exist between you and any third party referred to in paragraph 2.1.7 above.

4.2 The credit provider will not be liable to you for any dispute which arise for the Goods purchased from the Supplier or merchant with the amount of the credit advanced to you i.e. costs, damages, expenses or losses, and you will not have the right to claim any amount from the credit provider us or to institute any counterclaim against or to apply set-off against credit provider us on this basis.

4.3 No dispute between you and the Supplier regarding the Goods will give you the right to be exempted from any of your obligations to the credit provider.

4.4 You should resolve such disputes with the supplier or merchant directly, subject to section 5(2)(d) of Consumer Protection Act as Amended.

5. CREDIT LIMIT

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

5.2 Before the credit provider increases the credit limit, the credit provider will conduct a fresh assessment as required by NCA.

5.3 The credit provider will notify you in writing or orally should the credit limit decrease or increase from the existing credit facility limit.

6. USE OF THE CREDIT FACILITY

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

6.2 The card may be used to make purchases at associated stores/stores displayed on the card for account lookup purposes. The authorisation however to purchase on your credit facility will however happen via biometric identification to confirm that the purchaser is the authorised account holder.

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

7. STATEMENTS OF ACCOUNT

7.1 The credit provider will deliver statements of account to you in the manner chosen by you. Such statements shall be delivered at regular intervals, not exceeding three months.

7.2 You are entitled to dispute all or part of any incorrect credit or debit in a statement of account by delivering a written notice to us.

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

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

8. CREDIT LIFE INSURANCE

8.1 You shall enter into a credit life insurance agreement with an insurer of your choice, in terms of which you are insured against death and disability for an insured amount not exceeding your outstanding obligations in terms of this agreement.

8.2 The credit provider may offer you further optional insurance in relation to your obligations in terms of this agreement.

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

8.4 You shall have the right to reject any particular insurance policy proposed by the credit provider and to substitute with a policy of your choice, provided that such policy complies with the terms of this agreement.

8.5 You hereby admit that you have exercised a free choice in respect of the insurer with which the aforementioned insurance policy/ies is concluded. Furthermore, you confirm that you had an unqualified unrestricted free choice as to:

 8.5.1.1 whether a new policy(ies) is taken out or whether an existing policy(ies) is used for the purpose of clause 8.1;

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

 8.5.1.3 that such free choice was exercised freely without any coercion or inducement as to the manner in which you exercised such free choice.

8.6 You confirm that you understand your freedom of choice as explained and that such freedom of choice was explained or displayed to you before any decision was made as to what policy(ies) to utilise for the purposes of clause 7.1 and 7.2. Should you choose to substitute with a policy of your choice, you undertake to give written proof to the satisfaction of the credit provider of the policy so substituted in terms of this agreement before the receipt of the credit limit in terms of this agreement.

8.7 You hereby cede the aforementioned credit life insurance policy/policies (whether proposed by the credit provider or substituted by you) to the credit provider to secure the consumer’s indebtedness in this agreement.

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

9. EARLY SETTLEMENT AND TERMINATION OF THE AGREEMENT

9.1 You may terminate this Agreement at any time on the conditions set out below.

 9.1.1 Terminate this Agreement early;

 9.1.2 On a date which this Agreement ends;

9.2 If you terminate this Agreement early as mentioned above, you must pay the credit provider the settlement value on the settlement date specified. The settlement value will include all of the following amounts as at the settlement date specified:

 9.2.1 the unpaid balance of the Principal Debt; and

 9.2.2 the unpaid interest and all other fees and charges you owe.

10. DEBT COUNSELLING

10.1 If you are in financial difficulty, consider yourself over-indebted or you have reason to believe that credit was recklessly granted to you, you are encouraged to talk to us and we will endeavour to help you.

10.2 If you are an individual you have the right to apply to a debt counsellor who will consider your application to determine whether you are over-indebted or if you were granted credit recklessly.

10.3 An application for debt review in terms of the NCA will not apply to this Agreement if the credit provider has already proceeded to take legal steps to enforce the Agreement.

10.4 If your application is rejected by the debt counsellor, you have 20 (twenty) Business Days from the date of such rejection, to apply to a Magistrates' Court for an appropriate order.

10.5 If you are in default of your obligations and you have a pending application for debt review with a debt counsellor, we may give notice to terminate such review after 60 (sixty) Business Days. We will not terminate an application for debt review if such application for review has already been filed in a court or in the Tribunal.

11. PERSONAL INFORMATION

11.1 You agree and consent thereto that we may transmit to a registered credit bureau(x) information concerning –

 11.1.1 your application, this Agreement and the termination thereof as well as the information about your Account;

 11.1.2 any non-compliance by you with the terms of this Agreement.

11.2 You acknowledge that such a credit bureau will provide a credit profile and possibly a credit score on your credit worthiness. You have the right to contact such a credit bureau(s), to have the credit record(s) disclosed and to correct any inaccurate information.

11.3 You agree that we may–

 11.3.1 make enquiries to confirm and verify any information provided by you in the application form;

 11.3.2 seek information from any credit bureau(s) when assessing your application and at any time during the existence of your account.

11.4 You acknowledge and expressly consent thereto that we may –

 11.4.1 Process your Personal Information to conclude this Agreement and for purposes of maintaining the Account, providing services to you, including any benefits attached to the your account and complying with your instructions; and

 11.4.2 Process your Personal Information for purposes of the prevention and detection of fraud and criminal activities, the identification of the proceeds of unlawful activities and the combating of money laundering activities.

11.5 You have the right to access your Personal Information held by us. We will grant you such access during office hours within a reasonable time after receiving a written request for access.

12. CREDIT PROVIDER DETAILS

NAME: JD Consumer Electronics Appliances (Pty) Ltd

REGISTRATION NR: 1963/002315/07

ADDRESS: 6 Eastern Service Road, Eastgate, Sandton, 2090

NCR REGISTRATION NR: NCRCP 13549

THIS INFORMATION IS ALSO AVAILABLE ON OUR WEBSITE FOR EASE OF REFERENCE.

13. 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 an undefended action under the Magistrates' Courts Act. It also includes the costs we incur in delivering the letter to you.

14. WHEN YOU WILL BE IN DEFAULT UNDER THIS AGREEMENT

14.1 You will be in default under this agreement if:

 14.1.1 you do not pay any amount payable to us under this Agreement on the Due Date; or

 14.1.2 you breach any of the terms and conditions of this Agreement and you do not remedy the breach within 10 (ten) days of receiving written notice to do so; or

 14.1.3 Any representation or warranty made in connection with this Agreement or any other documents supplied by you is materially incorrect or false;

 14.1.4 you –

  14.1.4.1 being an individual -

   14.1.4.1.1 publish notice of the voluntary surrender of your estate or die;

   14.1.4.1.2 are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;

   14.1.4.1.3 have any application or other proceedings brought against or to respect of you in terms of which a third party seeks to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory;

  14.1.4.2 not being an individual:

   14.1.4.2.1 are wound up, liquidated, dissolved, deregistered or placed under judicial management, in any event in a manner which is provisional or final, voluntary or compulsory, or you pass a resolution providing for any such event;

   14.1.4.2.2 are treated as being unable to pay your debts;

   14.1.4.2.3 resolve that you voluntarily begin business rescue proceedings or have any business rescue proceedings commenced against you, as contemplated in section 132(1) of the Companies Act 71 of 2008;

 14.1.5 you compromise or attempt to compromise with your creditors generally or defer payment of debts owing by you to your creditors

15. OUR RIGHTS IF YOU ARE IN DEFAULT

15.1 If you are in default, we may:

 15.1.1 In the event of you failing to pay any amount due in terms of this agreement, we shall be entitled to instruct a firm of debt collectors registered in terms of the Debt Collectors Act, Act 114 of 1998 or a registered firm of attorneys to collect payment of the amount due in terms of the agreement on behalf of us.Subject to this provision of the Debt Collectors Act and the Regulations thereto, any debt collector collecting the debt due to the credit provider shall be entitled to make contact with and demand payment from you by way of personal or telephonic consultations.

 15.1.2 give you written notice of such default and 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;

 15.1.3 commence legal proceedings to enforce and exercise our rights in terms recovering collection costs and default administration charges if-

  15.1.3.1 we have given you notice as referred to in 12 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; you have been in default under this agreement for at least 20 (twenty) Business Days; and

  15.1.3.2 at least 10 (ten) Business Days have passed since we delivered the notice contemplated in 12.1.2.1; and

  15.1.3.3 in the case of a notice in terms of 12.1.1, you have:

   15.1.3.3.1 not responded to that notice;

   15.1.3.3.2 responded to the notice by rejecting our proposal;

16. COLLECTION COSTS

16.1 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:

 16.1.1 the Superior Courts Act, 1959 and rules of the Court;

 16.1.2 the Magistrates' Courts Act, 1944 and the rules of the Court;

 16.1.3 the Attorneys Act, 1979; and

 16.1.4 the Debt Collector's Act 1998

16.2 The collection costs exclude the default administration fee.

17. CESSION AND ASSIGNMENT

17.1 Unless otherwise agreed, you may not transfer any of your rights and/or obligations.

17.2 We may, without notice to you, transfer any of our rights and/or obligations and you agree that you will recognise the transferee's rights.

18. COST FEES AND INTEREST

18.1 You agree –

 18.1.1 to pay an initiation fee, which is a fee charged for the preparation costs of this Agreement;

 18.1.2 that you were given the option to either pay the initiation fee upfront or not wherein it will be included in the Principal Debt and interest will be charged thereon.

18.2 You agree to pay the monthly service fee, which is a monthly fee charged on the Due Date, for the routine monthly administration of your Account. If you do not pay this fee on time, it will be added to the outstanding balance and interest will be charged thereon.

18.3 The interest rate payable will be the interest rate set out in the Quotation.

18.4 Interest is calculated daily. We are entitled to add any unpaid interest to the outstanding balance of the Principal Debt which at that stage is still payable in terms of this Agreement.

18.5 We may change the amount of the service fees or of the other fees and charges stated in the Quotation by giving you at least five Business Days' notice in writing of the change, on condition that the service fees and other fees and charges may not exceed the maximum amount which is set under the NCA at the time of the change.

18.6 Insurance premiums may change from time to time in accordance with the terms of the relevant policy.

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

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

19. ADDRESSES

19.1 You agree that the postal/email address that you have provided on the Quotation is the address where we must send all post and other communication to you and that such communications will be binding on you.

19.2 You have in writing indicated that the notice contemplated in clause 12 must be delivered by registered mail to the address specified by you or to any adult person at the physical address or location specified by you.

19.3 You agree that the physical address that you have provided on the Quotation is the address that you have selected as the address where we must send all legal notices to you (your "domicile address").

19.4 You must let us know, in writing, by hand or registered mail, of any change to either of your addresses or your email address, telephone or cellular phone numbers. If you fail to give notice of a change of address, we may use the last address we have for you.

19.5 You accept that you will be deemed to have received a notice or letter five (5) Business Days after we have posted it to either of the addresses you have given to us.

20. YOUR ACKNOWLEDGEMENTS, REPRESENTATIONS AND WARRANTIES

20.1 By signing this Agreement either physically, digitally or electronically you acknowledge and agree that-

 20.1.1 you have the full capacity to effect and carry out your obligations in terms of this Agreement and that the terms of this Agreement do not conflict with and do not constitute a breach of the terms of any other agreement or undertaking that is binding on you;

 20.1.2 all information that you provided to us in connection with this Agreement is in all aspects true, complete, current and accurate, and you are not aware of any material facts or circumstances not disclosed to us, which if disclosed, would adversely affect our decision to grant credit to you;

 20.1.3 you are not subject to an administration order or under debt review;

 20.1.4 this Agreement has been either verbally explained, given access to or electronically displayed to you and you understand and appreciate the costs, risks and obligations associated herewith;

 20.1.5 as at the date of your application for credit, you have not taken up any additional credit.

20.2 If you are married in community of property, you warrant that your spouse has consented to the conclusion of this Agreement in writing and that his/her signature has been attested to by two witnesses.<20.4.1> 

20.3 You have the right to resolve any dispute that may arise between us by way of alternative dispute resolution, or to file a complaint with the National Credit Regulator, or to make an application to the Tribunal.

20.4 In terms of s44 of ECTA, you can cancel without reason and without penalty any transaction and any related credit agreement for the supply of-

 20.4.1 Of goods within seven days after the date of the receipt of the goods; or

 20.4.2 Of services within seven days after the date of the conclusion of the agreement.

 20.4.3 The only charge that may be levied on the consumer is the direct cost of the goods.

21. CONTACT DETAILS

21.1 The following contact details are hereby disclosed:

Contact Centre: 010 211 1120

Credit Ombudsman: 086 1662 837

National Credit Regulator: 086 062 7627

Credit Bureau: 086 1128 364

22. GENERAL

22.1 If we have not strictly enforced the terms and conditions of this Agreement at any time, you may not assume that the terms and conditions have been waived or altered by us. These terms and conditions will still apply and we will have the right to enforce the terms and conditions at any time.

22.2 We may provide a certificate from any of our managers, whose position it will not be necessary to prove, showing the amount that you owe to us. You agree that we may take any judgment or order that we are entitled to in law based on the amount contained in the certificate, unless you disagree with such an amount and are able to satisfy the court that the amount in the certificate is incorrect.

22.3 This is the whole Agreement and no changes or cancellations will be valid unless it is in writing and signed by both parties or is voice-logged by us and subsequently reduced to writing.

22.4 This Agreement is governed by South African law.

22.5 In terms of Section 45 of the Magistrate's Court Act 32 of 1944 and at our option, any claim that may arise may be recovered in any magistrate's court having jurisdiction and you hereby consent to the jurisdiction of the Magistrates' Court.

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

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

If, after reading the Agreement and after we have explained it to you, you are still uncertain of your rights and your financial risk and obligations, we recommend that you obtain independent advice. By signing this Agreement you acknowledge and agree that you understand this Agreement, your rights, financial risk and obligations, and that you are aware of and have paid special attention to all the terms printed in bold.

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

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

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

1.3. When applying for a domestic/household or Business television license for the first time, we must obtain their residential or business address, daytime contact telephone number and ID / passport number and in the case of a business their business registration number.

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

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

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

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

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

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

1.10. POPI REQUIREMENT

1.10.1. Copies of the documentation to be retained must be filed/kept in a secure location which is not accessible to customers or un-authorized employees.

1.10.2. Stores may not make a copy of the customer’s ID without the express consent of the customer. If the customer does not want to allow us to make a copy of their ID, it means that we do not have their consent and cannot sell the customer a TV Licence.

1.10.3. No unauthorized individual is to have access to personal customer information / documentation and is to be filed / secured accordingly.

1.10.4. Any breach of customer information/ documentation must be reported within 24 hours via NIR. (i.e. missing documentation, disclosure of information etc).

1. DEFINITIONS

In this Agreement, unless the context indicates differently: -

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

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

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

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

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

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

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

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

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

1.10 INTRODUCTION

 You have agreed:-

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

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

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

1.3 You agree that:-

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

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

1.4 PAYMENT OF DEPOSIT AND INSTALLMENTS.

1.4.1 You understand and agree that:-

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

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

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

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

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

1.5 TERMINATION OF THE AGREEMENT.

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

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

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

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

1.6 STATEMENTS OF ACCOUNT AND CONTACT DETAILS.

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

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

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

1.7 DELIVERY OF GOODS.

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

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

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

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

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

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

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

1.8 TRANSFER OF RIGHTS.

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

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

1.9 CONTACT DETAILS.

The following contact details are hereby disclosed:

Customer Care: 0800 110 775

National Consumer Commission: 012 761 3000

Consumer Goods and Services Ombud: 0860 000 272

1.9.1 ADDRESS FOR NOTICES AND LEGAL PROCESSES.

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

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

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

1.9.5 Inform us that you are changing your address; and

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

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

1.9.8 If we send a notice to you:-

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

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

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

1.10.2 GOVERNING LAW AND JURISDICTION.

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

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

1.10.4 General

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

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

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

GENERAL

You agree that you will not submit any content:

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

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

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

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

● That references other companies or websites;

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

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

● That includes the personal information of any third party

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

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

GUIDELINES

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

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

● Reviews must be submitted in English.

CUSTOMER SERVICE ISSUES

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

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

If you have a problem with a review you have submitted, please contact us by emailing rochester@jdg.co.za or by calling 086 171 72 73.

OWNERSHIP OF CONTENT

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

You may view our PAIA manual on:

Pepkor PAIA Manual

Data Subject Access Request Process:

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

Contact details of the liaison person:

Liaison Person	Contact details	Email address
Ankia van der Pluym	+27 (11) 718 6153	ankiav@jdg.co.za

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

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

3. Buy now & get a guaranteed 10% off your next purchase. The offer is only valid from 6 February to 5 March 2023. This offer is limited to a maximum of R2000 per customer and cannot be used in conjunction with any other reward, voucher or discount. E.g If purchase price is R15995 – 10% Discount R1599 or if purchase price R32995- Max discount R2000.

4. Upon delivery of goods the customer will received an SMS with a Voucher Code that can been redeemed in store or online on your purchase.

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

6. This Voucher can be redeemed online at www.rochester.co.za and in-store.

7. Vouchers are issued at the discretion of JD Group.

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

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

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

11. Only one voucher can be used per purchase.

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

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

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

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

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

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

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

19. Additional values cannot be added to existing vouchers.

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

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

22. Changes to the Voucher Terms & Conditions will be available on the Rochester Website: www.rochester.co.zaor https://www.rochester.co.za/rochester-terms-and-conditions

. In this regard the onus is on the customer to visit the Rochester website regularly to check whether the Voucher Terms & Conditions have changed.

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

2.The Bravo Group Manufacturing (Pty) Ltd, Sleep Division Competition (“the Competition”) – The Ultimate Challenge - will commence on 01 February 2024 and entries to the Competition will close on 30 April 2024 at 23h59. Any entries received after midnight on the last day will be invalid and will not be considered and are subject to government regulations.

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

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

5.Participants stand a chance to win 1 (One) YOYO voucher or the equivalent currency at the time of payment (the “Prize/s”), when participating in the Ultimate Challenge game online. The value of the cash Prize varies from R0 to R2500.00 (Two Thousand Five Hundred Rand). If the winner resides outside of RSA, the winner will receive a voucher equivalent to the amount won on the gaming portal from a retailer of their choice.

6.To enter the Competition, Participants must purchase any Bravo Brands Sleep Products bed or bed set, hereinafter referred to as BBSD bed or bed set (“Qualifying Products”) and register their purchase, by:

6.1. completing their name, store name, branch name, invoice number and product purchased on the entry form on one of the following applicable websites:

8. Entries to the draw can be earned as follows, based on total value of bed sales, inclusive of VAT:

6.1.1.https://www.sealy.co.za;

6.1.2.https://www.slumberland.co.za;;

6.1.3.https://www.edblo.co.za; and

6.1.4.https://kingkoil.co.za.

6.2 The winner will be contacted within 48 hours of playing the game if a value of over R1.00 (One Rand) has been won.

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

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

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

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

11. The winner may only claim 1 (One)Prize. The winner may not have previously won a Promoter’s competition more than once in a 90-day period. Any winner drawn who have won in the last 90 days will be disqualified from the Competition and another winner will be drawn

3rd performer wins R25 000, and the store manager wins R8 000

10. By entering this competition, participants:

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

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

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

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

16. By participating in the Competition, you consent to the sharing your personal information between the Promoter’s divisions and its affiliates including holding and subsidiary companies, which will adhere to POPIA in the processing of such personal information.

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

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

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

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

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

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

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

23.1. incorrect and inaccurate transcription of entry information;

23.2. technical malfunction;

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

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

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

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

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

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

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

2. This Competition shall be conducted in accordance with the provisions of section 36 read with Regulation 11 of the Consumer Protection Act No. 68 of 2008 (“CPA”) and subject to the CPA. and Electronic Communications and Transactions Act No.25 of 2002 (“ECTA”).

3. These Terms and Conditions should be read together with the online Terms and Conditions displayed at: www.rochester.co.za

4. Competition Period

The Competition runs from 4 March 2024 until 31 December 2024, both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on t 31 December 2024.

5. Who Can Enter (the “Participant”)

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

6. Exclusions

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

7. How to Enter A Participant must:

7.1. Visit any Rochester in-store or online during the Competition Period;

7.2. Rate and review the store by scanning the QR code at the Point of Sale or on Google review.

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

8. Number of Entries per Participant

One entry per person.

9. Entry Fee

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

10.The Prize

Stand a chance to win 1 of 4 x R10 000 vouchers

11. Draw Details and Winner’s Rights and Obligations

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

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

11.3. The draw will take place quarterly as follows:

➢ 31 March 2024

➢ 30 June 2024,

➢ 30 September 2024

➢ 31 December 2024.

➢ In addition, the Winner(s) will be notified via phone call by someone from the head office and posted on the Rochester Facebook page.

11.4. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on the S Rochester website within 4 (four) days after the original draw date.

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

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

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

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

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

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

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

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

12. General

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

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

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

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

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

1.This is a Promotional Offer (the “Offer”) as defined in the Consumer Protection Act no. 68 of 2008 (CPA), subject to the CPA, as amended from time to time.

2.These Terms and Conditions will govern the redemption of your Voucher from any Rochester (the “Company”) or any Company to whom the Company has ceded the rights and obligations.

3.This Voucher (the “Promotional Offer”) is promoted by Rochester a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) .

4.The Offer and redemption:

4.1.The participant shall have 36 months, calculated from the redemption date to use the Promotional Offer, after which the Promotional Offer shall expire.

4.2.The participant must produce proof of identification, proof of purchase and this Voucher Certificate on redemption.

4.3.The redemption is subject to the successful verification of the article, which must be without any material alteration/s or modification/s to the article that is required to redeem the voucher.

4.4.This Offer is open to all South African Citizens or Residents, 18 years or older, who are in possession of valid identification documents.

4.5.Employees, agents or consultants of or any other person who directly or indirectly controls or is controlled by the Company in respect of this Offer or the spouses, life partners or immediate family members cannot redeem the Voucher.

4.6. If the Company has not strictly enforced these Terms and Conditions, the Participant may not assume the Terms and Conditions have been waived or altered by the Company. These Terms and Conditions will still apply and the Company has the right to enforce any of these Terms and Conditions.

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

6.This Voucher can be redeemed in-store only.

7.Vouchers are issued at the discretion of Rochester if the criteria are met and subject to stock availability.

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

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

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

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

12.All vouchers are valid for a period of one year after the date on which it was issued, or at the end of a longer or extended period agreed by the supplier at any time.

13.Only one voucher can be used per purchase.

14.The onus is on the Participant to check the full voucher Terms and Conditions issued with the voucher and to ensure they understand the voucher’s applications and limitations.

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

16.Purchase authorisation will be declined if these Terms and Conditions are breached.

17.A voucher can be applied to any item, and the discount value of the voucher will be deducted from the total purchase price value of item/s. If the total value of your purchase exceeds the value of the voucher used, the balance is required to be paid by you.

18.If the full value of your voucher is not utilised on your first purchase, the balance will not remain on your voucher and it cannot be used for future purchases even though the voucher is still within the validity period.

19.Any balance that remains on the voucher after the first purchase will no longer be available for use.

20.Vouchers are no longer redeemable after the voucher validity period has ended.

21.Additional values cannot be added to existing vouchers.

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

23.Rochester reserves the right to amend these Voucher Terms and Conditions at any time.

24.Changes to the Voucher Terms and Conditions will be available at www.rochester.co.za. In this regard the onus is on the Participant to visit the above-mentioned website regularly to check whether the Voucher Terms and Conditions have changed.

1. This Competition is promoted by JD Group, a division of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) (“the Company”) and with Russells, Bradlows, Rochester and Sleepmasters being brands of JD Group (“the Promoter”). www.russells.co.za www.bradlows.co.za www.rochester.co.za www.sleepmasters.co.za

This promotion is sponsored by Connect Financial Services (Pty) Ltd (Reg No.2018/431596/07), a registered Credit Provider (NCRCP11158) (“Third Party”).

This Promotion is conducted in accordance with the relevant provisions of the Consumer Protection Act No. 68 of 2008 (“CPA”), National Credit Act No 34 of 2005 (“NCA”) and be read with the online Terms and Conditions (hereafter “Ts & Cs”) displayed on the respective stores mentioned above.

2. Promotion Period

2.1. The Promotion runs from the 1 April 2024 08h00 until the 31 July 2024 23h59 both dates inclusive, (the “Competition Period”). No entries will be accepted after midnight on 31 July 2024.

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

2.3. The Prize is not transferable, convertible to cash nor can it be substituted in any manner except as permitted by law.

3. How to qualify The Participant must have:

3.1. Visited in store, the online webpage and/ or sms to see if the participant qualifies for a credit agreement.

3.2. Applied for a new credit agreement in store and be approved by the Third Party, in the participant’s capacity during the Competition period.

3.3. Paid the first instalment during the Competition period.

3.4. Thereafter, the Participant will automatically be entered into the Competition.

3.5. The Participants account must be up to date at the time of the draw.

3.6. These Ts and Cs do not negate the Participants’ obligations to continue making the required payments nor replace the Ts & Cs of the Credit Agreement.

4. Number of Entries per Participant

One entry for approved new credit agreement per person for the Competition Period.

5. Entry Fee

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

6. The Prize

The Winners will stand a chance to win:

One (1) Winner will be selected, the Winner will receive a R3000.00 Voucher Gift Card (the “Prize”).

The Prize must be used to purchase item(s) from the specific brand that issued the Prize and cannot be used to buy from any other brand.

7. Exclusions

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

8. Winning Draw Details and Winner’s Rights and Obligations

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

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

8.3. The draw will take place on 10 August 2024. In addition, the winner will be posted on the respective store webpage and notified via a phone by someone from head office.

8.4. Should the Competition draw be postponed, only the Promoter has the discretion to elect a new date which will be published on the respective stores’ website within 4 (four) days after the original draw date.

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

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

8.7. The Winner(s) have the discretion to consent to participate in marketing activities, including having their photograph taken or name published on the Promoter’s website or other media.

8.8. The Prize is exclusively for the benefit of the respective Winner(s) and is neither transferable nor exchangeable for cash or otherwise.

8.9. The respective Winner(s) will be required to complete a declaration acknowledging receipt of the Prize and that he/she is not connected to the Promoter as stipulated in clause 7 above.

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

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

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

9. General

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

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

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

9.4. The right of a Participant to any benefit or right conferred as a result of participating in the Competition will only be fully vested when the Winner(s) have been duly contacted.

9.5. A copy of these Competition Rules is available on the websites of the respective stores mentioned in clause 1 above.

1. This is a Competition (the “Offer”) as defined in the Consumer Protection Act no. 68 of 2008 (“CPA”), as amended from time to time.

2. These Terms and Conditions will govern the redemption of your Voucher from any Bradlows, Russells, Rochester and Sleepmasters (the “Company”) or any Company to whom the Company has ceded the rights and obligations.

3. This Voucher Gift Card (the “Prize”) is promoted by Bradlows, Russells, Rochester and Sleepmasters, brands of JD Consumer Electronics and Appliances (Pty) Ltd (Reg No. 1963/002315/07), a subsidiary of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) and withBradlows, Russells, Rochester and Sleepmasters, being a brand of JD Group (the “Promoter”). In association with Connect Financial Solutions (Pty) Ltd (Reg No.2018/431596/07)(NCRCP11158) as a third party of this Competition.

4. The Offer and redemption:

4.1. The Participant shall have until 30 August 2024, calculated from the day the Winner is successfully contacted and announced to take up the Prize, after which the offer to take up the Prize will expire. In addition, the winner shall have 36 months from the date of redemption to use the Prize.

4.2. Where applicable, the Participant must produce proof of identification, proof of purchase and this Voucher Certificate on redemption.

4.3. Where applicable, the redemption is subject to the successful verification of the article, which must be without any material alteration/s or modification/s to the article that is required to redeem the Prize.

4.4. This Offer is open to all South African Citizens or Residents, 18 years or older, who are in possession of valid identification documents and subject to the Competition terms and conditions.

4.5. Employees, agents or consultants of or any other person who directly or indirectly controls or is controlled by the Company in respect of this Offer or the spouses, life partners or immediate family members cannot redeem the Voucher.

4.6. If the Company has not strictly enforced these Terms and Conditions, the participant may not assume the Terms and Conditions have been waived or altered by the Company. These Terms and Conditions will still apply and the Company has the right to enforce any of these Terms and Conditions.

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

6. This Prize can be redeemed online at Bradlows, Russells, Rochester and Sleepmasters and in-store.

7. This Prize is issued at the discretion of Bradlows, Russells, Rochester and Sleepmasters if the criteria is met and subject to stock availability.

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

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

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

11. The use of a voucher may also be limited by the total discount value available to all users for the Competition of a specific voucher. For example, R5000 worth of discounts at a discount of R200 per purchase.

12. All vouchers are valid for a period of three years after the date on which it was issued, or at the end of a longer or extended period agreed by the supplier at any time.

13. Only one voucher can be used per purchase.

14. The onus is on the Winner to check the full voucher Terms and Conditions issued with the voucher and to ensure they understand the voucher’s applications and limitations.

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

16. Purchase authorisation will be declined if these Terms and Conditions are breached.

17. A voucher can be applied to any item, and the discount value of the voucher will be deducted from the total purchase price value of item/s. If the total value of your purchase exceeds the value of the voucher used, the balance is required to be paid by you.

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

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

20. Vouchers are no longer redeemable after the voucher validity period has ended.

21. Additional values cannot be added to existing vouchers.

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

23. Bradlows, Russells, Rochester and Sleepmasters reserves the right to amend these Voucher Terms and Conditions at any time.

24. Changes to the Voucher Terms and Conditions will be available at Bradlows, Russells, Rochester and Sleepmasters. In this regard the onus is on the Participant to visit the above-mentioned website regularly to check whether the Voucher Terms and Conditions have changed.

1. The promoter of the competition is +more rewards programme of Pepkor Trading (Pty) Ltd (“+more”).

2. The name of the competition is “WIN a HOUSE with +more" ("the Competition").

3. The Competition will run from 28 March 2024 until 31 August 2024 (both days included) ("the Competition Period").

4. By entering the Competition, all Participants and Winners agree to be bound by these terms and conditions, whose decision regarding any dispute will be final and binding and no correspondence will be entered into regarding the decision.

5. The competition is open to all participants eighteen (18) years or older at the time of entering the competition within the Republic of South Africa that are South African citizens (in possession of a valid South African ID book or card) and South African residents (in possession of a valid South African permanent residency permit) with a valid South African bank account. You are not eligible to participate in this competition if:

5.1. You are a director, member, partner, employee, agent or consultant of the Pepkor group of companies its affiliates/divisions/subsidiaries or any other person who supplies goods or services in connection with the competition;

5.2. You are a spouse, life partner, parent, child or sibling, immediate family member, business partner or associate of the persons specified in 5.1 above.

6. To enter the Competition, a Participant must have:

6.1. signed up for +more via any of the sign up channels; and

6.2. every digital scan of the card will give the participant one entry in the Competition during the Competition Period.

7. Participants stand a chance to win R1 500 000 (one million five hundred thousand rand) that can be used for a house.

8. One (1) Winner will be randomly selected and announced on Friday, 12 July 2024.

9. Winners will be randomly selected by the Promoter & notified telephonically.

10. An alternative winner will be drawn if after 3 attempted telephone calls the selected participant cannot be reached.

11. Winners will be requested to share the following details: Name, surname, contact and banking details.

12. PRIZE

12.1. To claim the Prize, the Winner must provide the Promoters with a certified copy of their valid South African ID or permanent residency permit, failing which the selected Winner will forfeit the Prize.

12.2. The Winner can select Prize fulfilment in one of the following ways:

12.2.1. If the winner has an existing bond or home loan, the Promoter will pay R1 500 000 towards the existing bond or home loan. The winner will remain responsible for the balance of their existing bond or home loan should the Prize be less than the outstanding balance;

12.2.2. If the Winner has an accepted offer to purchase at the time of the Winner’s announcement, the Promoter will pay R1 500 000 towards the purchase price. The winner will remain responsible for the balance of the accepted offer to purchase price if the purchase price is more than the Prize;

12.2.3. If the Winner does not have an existing bond or home loan AND does not have an accepted offer to purchase a property, the Promoter will award the winner with the cash prize of R1 500 000.

12.3. If the selected Winner passes the verification process and submits the required documents stipulated in these terms and conditions, they will be declared a Winner by the Promoters. The validity of such documentation is at the discretion of the Promoters.

12.4. Prize fulfilment will take place within 8 weeks from the date that the Winner is selected. Winners will be contacted by the Promoter for the Prize fulfilment.

13. The Promoters and their delivery agent do not accept responsibility or liability for any loss or damage and will also not be responsible or liable for any further expenses or fees required for the purpose of using, applying or enjoying the prize won in this campaign.

14. Winners give the Promoter and its authorised agents consent to use their names for publicity purposes, as well as the Prize handover to be filmed, unless refused.

15. The Promoter reserves the right to vary, suspend, postpone or terminate the campaign and any prizes, or any aspect thereof, for any reasons whatsoever and without notice. In such event, you hereby waive any rights or expectations which you may have against the Promoter and acknowledge that you will not have any recourse or claim of any nature against the Promoter.

16. Your privacy is very important to the Promoter and the Pepkor group of companies (https://www.pepkor.co.za/retail-segments/) and it will use all reasonable efforts in order to ensure that any information, including personal information, provided by you, or which is collected from you, is stored in a secure manner. For more information, please refer to the detailed version of our Privacy Statement.

17. You agree to provide Pepkor with accurate and current information and to maintain and update such information when necessary. The information collected by Pepkor may be used to send you information about products, services, and special offers of the various companies in the Pepkor group that may be of interest or value to you. The information may also be processed by the Promoter and other companies in the Pepkor group, any of their operators, agents and sub-contractors (who may be outside South Africa) on the condition that they will keep such information confidential.

18. You acknowledge that any information supplied to the Promoter and the Pepkor group of companies in terms of these Terms and Conditions is provided voluntarily.

19. By submitting any information to the Promoter and the Pepkor group of companies in any form you further acknowledge that such conduct constitutes an unconditional, specific and voluntary consent to the processing of such information by the Promoter and the Pepkor group of companies under any applicable law in the manner contemplated above, which consent shall, in the absence of any written objection received from you, be indefinite and/or for the period otherwise required in terms of any applicable law.

20. Unless you have consented, the Promoter and the Pepkor group of companies will not sell, exchange, transfer, rent or otherwise make available any personal information about you (such as name, address, email address, telephone or fax number) to other parties and you indemnify the Promoter and the Pepkor group of companies from any unintentional disclosures of such information to unauthorised persons.

21. Should you believe that the Promoter and the Pepkor group of companies have used your personal information contrary to applicable law, you shall first resolve any concerns with the Promoter and the Pepkor group of companies. If you are not satisfied with such a process, you have the right to lodge a complaint with the Information Regulator.

22. You can choose to be excluded from direct marketing by notifying the Promoter in writing or by registering a block on any registry which the Promoter is bound by law to recognise. The Promoter will not charge you a fee to update this request on its systems. The Promoter will give effect to any changes requested by you as soon as reasonably possible.

23. These Terms and Conditions are also available on our website at www.plusmore.co.za.

1. The promoter of the Competition is +more, a division of the Pepkor Trading (Pty) Ltd ("the Promoter").

2. The name of the Competition is the "+more R10k-a-week" competition ("the Competition").

3. The Competition will run from 28 March 2024 to 27 September 2024, both days included ("the Competition Period").

4. By entering the Competition and/or accepting any prize (if you are a winner), you agree to be bound by these terms and conditions.

5. The Competition prize is 1 (one) R10 000.00 cash prize per week ("the Prize").

6. The competition is open to all participants eighteen (18) years or older at the time of entering the competition within the Republic of South Africa that are South African citizens (in possession of a valid South African ID book or card) and South African residents (in possession of a valid South African permanent residency permit) with a valid South African bank account. You are not eligible to participate in this competition if:

1. You are a director, member, partner, employee, agent or consultant of the Pepkor group of companies its affiliates/divisions/subsidiaries or any other person who supplies goods or services in connection with the competition;

2. You are a spouse, life partner, parent, child or sibling, immediate family member, business partner or associate of the persons specified in 6 (a) above.

7. To enter the Competition, a Participant must have:

1. joined +more via any of the sign up channels; and

2. every digital scan of the card will give the participant one entry in the Competition during the Competition Period.

8. Entry into the competition is free and participants get an automatic entry every time they scan or enter their +more Rewards code at the till during the Competition Period, and entrants are only eligible to win one (1) prize for the duration of the Competition.

9. +more reserves the right to disqualify any user who enters using false information by robotic, automated or like means.

10. All prizes in this Competition are not transferable.

11. Notification of the Prize will be communicated to the winners, using the contact number they used to enter the competition.

12. The first week of the Competition will run from 28 March to 5 April 2024. The winner will be chosen randomly from all the valid entries received.

13. Winners will be contacted between 10am and 3pm on the day of the draw to arrange for the fulfilment of the Prize.

14. The winner will be announced on the date of the draw. An alternative winner will be drawn after 2 days from the date of draw if a winner is unreachable.

15. Winners give +more and its authorized agents consent to use their names for publicity purposes, unless refused.

16. +more reserves the right to vary, suspend, postpone, or terminate the competition and any prizes, or any aspect thereof, for any reasons whatsoever and without notice. In such an event, you hereby waive any rights or expectations which you may have against +more and acknowledge that you will not have any recourse or claim of any nature against +more.

17. Your privacy is very important to +more and the Pepkor group of companies and it will use all reasonable efforts in order to ensure that any information, including personal information, provided by you, or which is collected from you, is stored in a secure manner. For more information, please refer to the detailed version of our Privacy Statement.

18. You agree to provide Pepkor with accurate and current information and to maintain and update such information when necessary. The information collected by Pepkor may be used to send you information about products, services, and special offers of the various companies in the Pepkor group that may be of interest or value to you. The information may also be processed by +more, any of its operators, agents, and sub-contractors (who may be outside South Africa) on the condition that they will keep such information confidential.

19. You acknowledge that any information supplied to +more and the Pepkor group of companies in terms of these Terms and Conditions is provided voluntarily.

20. By submitting any information to +more and the Pepkor group of companies in any form, you further acknowledge that such conduct constitutes an unconditional, specific, and voluntary consent to the processing of such information by +more and the Pepkor group of companies under any applicable law in the manner contemplated above, which consent shall, in the absence of any written objection received from you, be indefinite and/or for the period required in terms of any applicable law.

21. Unless you have consented, +more and the Pepkor group of companies will not sell, exchange, transfer, rent, or otherwise make available any personal information about you (such as name, address, email address, telephone or fax number) to other parties and you indemnify +more and the Pepkor group of companies from any unintentional disclosures of such information to unauthorized persons.

22. Should you believe that +more and the Pepkor group of companies have used your personal information contrary to applicable law, you shall first resolve any concerns with +more and the Pepkor group of companies. If you are not satisfied with such a process, you have the right to lodge a complaint with the Information Regulator.

23. You can choose to be excluded from direct marketing by notifying +more in writing or by registering a block on any registry which +more is bound by law to recognize. +more will not charge you a fee to update this request on its systems. +more will give effect to any changes requested by you as soon as reasonably possible.

24. These Terms and Conditions are also available on our website at www.plusmore.co.za.

1. This Competition is promoted by Connect Financial Solutions (Pty) Ltd (Reg No.2018/431596/07) and JD Consumer Electronics and Appliances (Pty) Ltd (Reg No.1963/002315/07)(NCRCP13549), which are subsidiaries of Pepkor Trading (Pty) Ltd (Reg. No. 1958/003362/07) (“the Promoter”) and with HiFiCorp, Incredible, Bradlows, Russells, Rochester and Sleepmasters being brands of the Promoter.

This Competition shall be conducted in accordance with the provisions of section 36 read with Regulation 11 of the Consumer Protection Act No. 68 of 2008.

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

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

2.Competition Period:

2.1. The Competition runs from 1 August 2024 08h00 until 30 November 2024 23h59 both dates inclusive (“Competition Period ”). No entries will be accepted after midnight on 30 November 2024.

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

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

3. How to qualify:

The Participant must have:

3.1. Visited any Incredible, HiFiCorp Bradlows, Russells, Rochester, Sleepmasters store or, the respective websites www.Incredible.co.za, www.HiFiCorp.co.za, www.russells.co.za www.bradlows.co.za www.rochester.co.za www.sleepmasters.co.za and/or received an sms to see if the participant qualifies for a new credit agreement;

3.2. Applied for a new credit agreement at Incredible or HiFiCorp, Bradlows, Russells, Rochester, Sleepmasters stores and be approved, in the Participant’s capacity during the Competition Period;

3.2.1. Please note that your new credit agreement application is subject to our credit approval criteria and to the conditions for granting credit as set out in the NCA. We are not obliged to accept your application.

3.3. Paid the first instalment during the Competition Period;

3.3.1. In addition, the Participant can also utilise R10 000.00 on their credit facility during the Competition Period to get an additional entry into the Competition, however, this is not mandatory to be entered into the Competition and is at the Participant's discretion.

3.4. Thereafter, the Participant will automatically be entered into the Competition.

3.5. The Participants account must be up to date at the time of the Competition draw.

3.6. These Ts and Cs do not negate the Participants’ obligations to continue making the required payments nor replace the Ts & Cs of the Credit Agreement.

4. Number of Entries Per Participant

One entry per person subject to clause 3.1-3.3, and where applicable, 1 additional entry per person subject to clause 3.3.1 above.

5. Entry Fee

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

6. The Prize

6.1. First Prize: Contribution towards the account of the Winner to the value of R10 000.00.

6.1.1. If the nominated Winner’s account balance is less than R10 000.00, the difference will be issued to the Winner as a promo code to use at either www.Incredible.co.za, www.HiFiCorp.co.za, www.russells.co.za www.bradlows.co.za www.rochester.co.za www.sleepmasters.co.za

6.1.2. The promo code will be valid for 3 months from the date of issue, refer to the Incredible, HiFiCorp, Bradlows, Russells, Rochester, or Sleepmasters website for promo code Terms and Conditions.

6.2. Second Prize: Gift Voucher to the value of R5000.00.

6.3. Third Prize: Gift Voucher to the value of R2000.00

7. The Offer:

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

7.2. The draw date shall be 10 December 2024 and an internal auditor will observe the draw.

7.3. The Winner will be notified by SMS or a telephone call by 15 December 2024. The Prize must be taken up subject to clause 9.5 below, failing which the prize will be awarded to the next eligible winner.

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

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

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

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

7.8. This Competition is open to all customers subject to clause 3, above the age of 18, who are in possession of a valid identity document.

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

8. Exclusions

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

9. Draw Details and Winner’s Rights and Obligations

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

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

9.3. The draw will take place on 10 August 2023. In addition, the winner will be posted on www.Incredible.co.za, www.HiFiCorp.co.za, www.russells.co.za www.bradlows.co.za www.rochester.co.za www.sleepmasters.co.za webpages and notified via a phone by someone from head office.

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

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

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

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

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

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

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

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

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

10. General

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

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

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

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

10.5. A copy of these Competition Rules is available at https://www.incredible.co.za/promotional-terms-and-conditions , https://www.hificorp.co.za/promotional-terms-and-conditions , https://www.bradlows.co.za/terms-and-conditions , https://www.russells.co.za/terms-and-conditions , https://www.rochester.co.za/rochester-terms-and-conditions , https://www.sleepmasters.co.za/terms-and-conditions .

1. The Promotion runs from 11 November 2024 - 02 December 2024 both dates inclusive, (the “Promotion Period”). Subject to stock availability.

2. Terms and conditions for this promotion/competition can be found at Bravo Brands

3. Generic promotional terms and conditions for any product sold by Rochester and can be found on https://www.rochester.co.za/

1. The participant acknowledges that the participant has read and understood these Terms and Conditions. These Terms and Conditions will govern the redemption on your Product from any Rochester store (the “Company”) or any Company to whom the Company has ceded the rights and obligations.

2.Promotion: This promotion is promoted by Rochester, a division of the Pepkor Trading (Proprietary) Limited.

3.Promotion Period: The Promotion will be valid between 11 November-2 December 2024 (“the Promotion Period”)While stocks last. You will not qualify for this promotion after midnight on the 2nd of December 2024

4. The Company reserves the right, in its sole discretion and to the extent permitted by law, to amend these Terms and Conditions, at any time.

5. How to qualify: 5.1 The Offer is valid In-store and online when purchasing a Lennox corner Lounge Suite detailed below.

5.1.1 Buy a Lennox corner Lounge Suite for R18 995 In-store or online and get a Free Lennox Ottoman valued at R3995 with +More.

5.2 The Offer is valid In-store and online when purchasing a Paradise corner Lounge Suite detailed below.

5.2.1 Buy a Paradise corner Lounge Suite for R31 995 In-store or online and get a Free Paradise Ottoman valued at R4995 with +More.

5.3 The Offer is valid In-store and online when purchasing a Oakland corner Lounge Suite detailed below.

5.3.1 Buy a Oakland corner Lounge Suite for R39 995 In-store or online and get a Free Oakland Ottoman valued at R4995 with +More.

6. This FREE ottoman is non-transferable and cannot be exchanged for cash or any other form of monetary compensation.

1. The participant acknowledges that the participant has read and understands these Terms and Conditions. These Terms and Conditions will govern the redemption of your Product from any ROCHESTER store (the “Company”) or any Company to whom the Company has ceded the rights and obligations.

2.Promotion: This promotion is promoted by the Company, a division of Pepkor Trading (Proprietary) Limited.

3.Promotion Period: The Promotion will be valid from 11 November - 2 December 2024 (“the Promotion Period”). Promotion must be activated after midnight 11 November 2024. You will not qualify for this promotion after midnight on 2 December 2024.

4. The Company reserves the right, in its sole discretion and to the extent permitted by law, to amend these Terms and Conditions, at any time.

5. How to qualify:

6.1 The Offer is valid ONLINE when purchasing any 2 occasional chairs.

6.1.1 11 Nov - 2 Dec 2024. BUY SELECTED OCCASIONAL CHAIRS AND SAVE 20% OFF THE SECOND CHAIR. DISCOUNT APPLIES TO LOWEST PRICED ITEM.