1. Introduction

Everyshop is a brand of JD Consumer Electronics and Appliances trading under the registration number 1963/002315/07.

These terms govern your use of the Everyshop website. Access to the services, content and downloads available on the Everyshop 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. We provide the Everyshop website as a convenience to you. To use the Everyshop website for services including but not limited to online shopping, browsing, product information, subscribing as a user, viewing and managing your account and orders, etc. we may require you to provide your personal information.

2. We reserve the right to change 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. Everyshop will post the revised terms on the website. You may use the Everyshop website for your personal and non-commercial use, not for republication, distribution, sale or any other use.

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 Everyshop website.

4. The terms make up the entire agreement between the parties. If any term is void, unenforceable, or illegal, the term will be severed and the rest of the terms will be effective.

5. Unless otherwise specified, we intend the goods and services offered on this site for citizens of the Republic of South Africa only. The terms are governed by and interpreted according to the laws of the Republic of South Africa without giving effect to any principles of conflict or law. By you ticking the “I confirm I have read and understood the ‘Terms & Conditions’ box, forms a legally binding agreement between you and Everyshop.

2. Definitions

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 Everyshop;

2. “We” or “us” or “Everyshop” means Everyshop, whichever one applies;

3. “Website” means www.everyshop.co.za;

4. “Everyshop website” means www.everyshop.co.za;

5. “You” or “user” means any person who visits, accesses or uses the website.

3. Registration and use of the website

As a user, Everyshop 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.

1. You, the customer, agrees and acknowledges that:

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 Everyshop;

1.2. Such information will include all mandatory data;

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;

1.4. You may submit the information to Everyshop, 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 Everyshop and the customer.

1.5. As a visitor or user, you agree that we may electronically accumulate, keep and use the following of your information:

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

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 Everyshop competitions, promotions, studies, reviews and surveys, and additional services. (“Optional Details”).

1.8. Details submitted, when registering or transacting, to use the services on the Everyshop 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.

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. Everyshop 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’s “Help” file to learn more about changing your cookie settings.

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.

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 1x1 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. Everyshop 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.

1.12. Everyshop 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.

2. We may use your usage details to:

2.1. Automatically validate and/or verify your identity; for the website and transaction security purposes via Everyshop or via a third-party service provider;

2.2. Automatically provide you with the latest version of the Everyshop application on your system;

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;

2.4. Monitor aggregate website usage metrics such as total number of visitors and pages accessed; and

2.5. Track your entries, submissions, and status in any promotions or other activities in connection with your usage of the website/platform.

2.6. Everyshop 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).

2.7. If you are an Everyshop website user, you agree that we may also electronically gather, save and use the following information:

2.8. Name and surname, birth date, gender, identity number and /or passport number, nationality and country of residence (“Personal Information/Details”);

2.9. E-mail address, mobile number, home and delivery address and credit card billing address (“Contact Details”);

2.10. the credit or debit card number, cardholder name and expiration date you submit to Everyshop’s website regarding your credit or debit card(s), (Credit or debit cards)

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 an Everyshop website user and/or thereafter by you actively transacting, updating or supplementing such details in your Everyshop website users account.

3.2. Everyshop uses the information that Everyshop 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. We use your Debit or Credit Card Details to provide the Services (including the verification thereof when you transact with Everyshop) 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 Everyshop 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 Everyshop.

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.

3.5. 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 Everyshop and its partners/affiliates.

4. You may not:

4.1. Provide any incorrect information to the website or Everyshop;

4.2. Change, copy, decompile or reverse-engineer the website or use the website to make derivative copies;

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 Everyshop;

4.4. Use malicious search technology, including but not limited to spiders and crawlers;

4.5. Frame any pages of the website;

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.

4.7. Use the interactive sections of the website, for instance, forums, clubs, surveys and e-mails, to post any material which in Everyshop discretion is false, defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, sexually-oriented, threatening, invasive of a person’s privacy, or otherwise violates any laws. Everyshop 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. Everyshop 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 Everyshop will not knowingly collect information from users in this age group.

No transaction will be concluded between Everyshop and a person under the age of 18 unless written consent thereto is received by Everyshop from a parent or legal guardian. Everyshop, therefore, reserves it’s right to request proof of identity before concluding any transaction. Your continued use of this website confirms that you are 18 years old or older.

4. Conclusion of sales and availability of stock

1. A sales order will only be deemed as an offer to purchase. We will confirm your purchase order with you via your specified email but this email does not represent any acceptance of your offer to purchase products or services from us. We are not legally obliged to provide the products and services to you during the offer process. 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 we cannot be held liable to honour any price changes or if such products are not available.

2. Everyshop shall use reasonable attempts to make the advertised stock available at the displayed price, for the period specified. Everyshop 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. We will notify you of any delivery delays should we need to source a product. Please refer to our termination of sale process should you opt for a full refund.

3. Clearance campaigns might be implemented from time to time where stock is available in limited quantities and in selected stores or regions. Everyshop is not obliged to source stock or offer a similar or upgraded item for this sale as stock will no longer be available in future.

4. Accessories not included, unless otherwise specified.

5. Returns/Refunds and Warranty

A refund is deposited directly into your credit card or bank account. This process may take up to 30 working days. A refund processing period will only start from the time we have received the returned goods.

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.

1.1. Non-returnable/non-refundable items:

1.1.1. Delivery and or installation costs

1.1.2. Pre-paid cards

1.1.3. Digital content

1.1.4. Any damaged or abused items.

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.

1.1.6. Intimates, lingerie, swimwear, bodysuits or underwear;

1.1.7. Jewellery for piercings;

1.1.8. Toiletries, personal beauty products or fragrances

1.1.9. Foodstuff, beverages or other products intended for everyday consumption

1.1.10. Any item that has been used in a personal manner that poses a hygiene or health risk to others.

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.

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.

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 Everyshop 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 Everyshop if:

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);

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

4.3. 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. You are entitled to cancel any sale concluded on this website (online sales) within 10 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).

6. In the unfortunate event that your purchased goods become defective, you may initiate the returns process on our website. You are entitled to the following options as per the CPA (after goods have been inspected and assessed):

6.1. Have such goods repaired

6.2. Have goods replaced

6.3. Be refunded the price paid

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.

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;

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;

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

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

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

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;

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;

8.7. Neglect, misuse, or wilful abuse of the appliance;

8.8. Anything related to the appearance of the appliance which does not in Everyshop’s 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;

8.9. Rust or the effects of rust;

8.10. Repairs or attempted repairs of the appliance by any person other than Everyshop or its authorized repairers;

8.11. Any modification of the appliance by any person other than Everyshop or its authorized repairers;

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;

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

8.14. Any defect arising out of the design of the appliance;

8.15. Any defect caused by a lightning strike or power surges;

8.16. Blown or damaged speakers arising from misuse;

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

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.

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.

10. Everyshop will not be liable for the costs of;

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

10.2. Work covered by the manufacturers’ recall of the appliance;

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

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.

11. Everyshop 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.

12. Repairs may not be effected without prior authorisation from Everyshop.

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.

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.

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

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.

17. Everyshop reserves the right to inspect the goods before a return is approved. Under no circumstances will direct exchanges be conducted before assessment and approval has been completed

6. Displaying of Prices and Images

1. 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. Everyshop takes utmost care to ensure that the displayed prices and images are correct. Should an error be made and we have taken reasonable steps to rectify the error, or where it is a website specific promotion for online purchases only, such promotional pricing will not be honoured. If a mistake is made or we display the incorrect price or image, we will correct this as soon as we are made aware of the incorrectly displayed price or image.

2. Goods made to order will incur additional costs.

3. Pricing Errors

We will make all reasonable efforts to accurately reflect the price, product or service description, images and any other relevant content of items available to sell on our website. Should any error be detected of whatsoever nature on the website not due to gross negligence, we will not be held liable for any loss, claim or expense relating to a transaction based on any error. A refund for the amount already paid will be processed back to the account used to make payment. We reserve the right, without prior notice, to discontinue or change pricing or specifications of products and services offered on this website without incurring any liability whatsoever.

7. Currency, Payment Methods and Transactional Security

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://southafrica.payu.com/privacy-portal/.

Please also read the PayU Payment Solutions (Pty) Ltd Terms and Conditions, at https://southafrica.payu.com/legal/. By submitting a sales order through any of the Everyshop 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 Everyshop, 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).

Everyshop accepts the following payments on its website:

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.

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 Everyshop’s account subject to the following Terms and conditions:

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). Everyshop 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.

4. For a direct deposit, the deposit must be in cash and SA Rands only, (no other currency will be accepted).

5. No cheque deposits are accepted.

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.

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.

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.

Everyshop 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 Everyshop, in whole or in part, on notice to you. Everyshop shall only be liable to refund monies already paid by you (see Everyshop’s 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. Visa Checkout

Please carefully read the Visa Checkout terms of service ("Terms") on www.visa.co.za before using this as a payment method. By registering and creating a VISA CHECKOUT ACCOUNT, you have acknowledged that you understand and agree to all of the terms and have clicked an "I Accept" button or an equivalent indicator with regards to the use of Visa Checkout. Please refer to www.visa.co.za for a full set of VISA CHECKOUT terms and conditions.

By using VISA CHECKOUT as an online payment method, you agree to the following terms and conditions:

7.1. Any queries relating to your VISA CHECKOUT account, statement or unlawful payments will be directed to VISA CHECKOUT and not Everyshop

7.2. Everyshop is in no way obliged to assist, direct or manage any VISA CHECKOUT concerns, issues or general information requests and no such requests will be entertained

7.3. VISA CHECKOUT returns and exchanges will be dealt with in the same way as any other product return. Please refer to our Returns Terms and Conditions

7.4. Everyshop cannot be held liable for the time it takes for your OTP that is required for 3D Secure payments, and is in no way obligated to honour any promotional and or limited stock products should these be sold out after your application is approved. For limited stock promotions we recommend that if you are not an existing VISA CHECKOUT user to please select a different payment method

8. Payflex

Payflex facilitates the credit transaction. The terms and conditions existing between you and Payflex still apply. The delivery timeframe is relative and will depend on the time and date of the successful Payflex confirmation (please refer to our delivery timeframes T&Cs for info.

9. Revolving Credit Card

9.1. 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.

9.2. JD Group makes use of Secure Citizen’s integrated third party solution during the checkout for credit transactions.

9.2.1. 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.

9.2.2. All transactions processed through Secure Citizen are encrypted. The Secure Citizen security policy can be found at https://securecitizen.co.za/privacy-policy/. Please also read the Secure Citizen Terms and Conditions, at https://securecitizen.co.za/terms-conditions/ .

9.3.By 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. Delivery

1. General Delivery Information

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

1.1. Everyshop delivers within the borders of South Africa only.

1.2. The Delivery option only commencers once the order has been verified and settled

1.3. An order will only be settled once payment has been received and "Verified"

1.4. Deliveries are door to door and must be a physical address within the borders of South Africa and not a Post Box. We do not deliver to any postal addresses i.e.: deliver to a post box or to any post offices. Please ensure all delivery details including the postal code are accurate, as you will be liable for all additional handling and shipping charges as a result of such errors.

1.5. Deliveries are done between 8 am and 5 pm on weekdays and not on Weekends or public holidays

1.6. ID may be requested upon delivery

1.7. A delay of up to 24 hours may be experienced on shipments to or from any Outlying Delivery Areas.

2. Failed delivery:

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.

2.1. Goods shipped in error /Incorrect goods delivered:

In the unfortunate event that you receive a delivery whereby the goods delivered to you do 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 0800 111 081, to have the incorrect goods collected and the correct goods delivered to you.

3. Damaged Goods delivered:

Please notify us within 24 hours of receipt of delivery on 0800 111 081, 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).

3.1 In the regrettable event that you receive a damaged, faulty or incorrect product, please notify us within 24 hours of receipt of delivery on 0800 111 081 or [email protected]. We will consider the most practical resolution to have the product inspected to your satisfaction.

3.2 Failure to inspect goods upon receipt can result in us not exchanging your product. Always ensure that you check the goods prior to acceptance and signing on the waybill should you not be 100% happy with the delivery. Do not accept goods should you not be 100% happy about the condition of the delivery.

3.3 If you see any inconsistencies, please ensure the delivery document is endorsed accordingly and reject your delivery.

4. Price of delivery:

Delivery prices differ and are determined by:

4.1. Location within major centres or outlying Delivery Areas.

4.2. Type of delivery. (Normal order, special order, customer order)

4.3. Weight and dimensions of the total purchase order.

4.4. In the event of special delivery deals, the price of the product or total purchase order value could determine the delivery rate.

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.

5. Delivery periods important to note:

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.

5.2. Delivery periods will be effected within the selected delivery type timeframe, after collection from point of dispatch and between Major Centres from Monday to Friday.

5.3. 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. Major centres include any destination within a 50km radius of the following cities: Pretoria, Johannesburg, Bloemfontein, Cape Town, George, Port Elizabeth, East London, Durban, Pietermaritzburg and Nelspruit. Delivery to the major centres is usually within 5 working days. The following areas may experience delays because of airline constraints: George, Nelspruit, Richards Bay, Polokwane and Welkom.

Can I change my delivery address?

Unfortunately, you will not be able to change or amend a delivery address once your order has been confirmed. Please double check that the details supplied are correct when placing your order.

Goods shipped in error or /Incorrect goods delivered in the unfortunate event that you receive a delivery whereby the goods delivered to you do not match your products or its quantity as per your waybill/purchase order, you agree to notify us immediately upon receipt of such delivery, this can be done through the “My Account” section on the website, to have the incorrect goods collected and the correct goods delivered to you.You are obligated to inform us, nonetheless, we may also inform you within 20 business days after delivery that we delivered the goods to you in error.Thereafter, we will collect the goods delivered in error within 20 business days of us notifying you of the error. You may not keep the goods delivered in error, frustrate or impede the reasonable attempts taken by us to retrieve the goods delivered in error within the 20 business days. Where a consumer impedes or frustrates the reasonable attempts taken to recover the goods from him or her, the consumer will be liable for any additional costs of recovery of, or damage to, the goods as a result and we may institute legal proceedings against the consumer.

9. Delivery of Goods

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.

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.

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.

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

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

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.

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

6. Transfer of Rights

6.1. 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.

6.2. 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.

7. Contact Details.

The following contact details are hereby disclosed:

8. Address for Notices and Legal Processes.

8.1. 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).

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

8.3. 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:

8.3.1. inform us you are changing your address; and

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

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

8.5. If we send a notice to you:

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

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

8.6. 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.

9. Governing Law and Jurisdiction.

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

9.2. 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. General

10.1. 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.

10.2. 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.

10. Online Exclusive Promotions

1.These Terms of the Online Exclusive Offers (Promotion) together with the Everyshop Standard Terms and Conditions www.everyshop.co.za set out the terms and conditions that will apply when you place an order through the Everyshop 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 Everyshop on 0800 111 081. 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.

1.1. 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.

1.2. The Promotion starts at Everyshop 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.

1.3. You will need to be logged into the Everyshop website to use the promotion.

2 Order and Acceptance

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 Everyshop acceptance and may be refused at Everyshop discretion, for example, where:

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

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

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

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

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.

2.5. If you have questions regarding Everyshop order acceptance policy (Agreement of sale), or if you consider that your order was rejected in error, please contact Everyshop on 0800 111 081.

3. Product Availability

3.1. Everyshop 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.

3.2. Everyshop 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.

4. Customer Started Order Cancellation and Changes.

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

5. Delivery

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, Everyshop cannot promise that they are accurate.

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

5.3. Please see the delivery policy for further details.

6. General

6.1. Participants of this promotion agree that Everyshop 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.

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.

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

11. Television License

1. Everyshop requires you to produce a valid TV license and ID document when purchasing a TV. 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 (paid-up) TV license.

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

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.

1.4. When renewing a television license, we require a person 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 or upon 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. Everyshop 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. 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. Any queries relating to your SABC account must be directed to SABC.

1.11. Everyshop is in no way obliged to assist, direct or manage any SABC concerns, issues or general information requests and no such requests will be entertained.

1.12. No SABC TV Licence refunds will be conducted by Everyshop.

12. Ownership and Content

All materials published on the Everyshop website are protected by copyright and owned or controlled by Everyshop 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 Everyshop or any third party. All logos, names and trademarks, which appear on the website are the intellectual property of Everyshop or are used by Everyshop under license. Everyshop 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 Everyshop 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. Everyshop 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. Everyshop 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 Everyshop may publish the information, use it as part of its operations, and incorporate its concepts in Everyshop goods or for any other purposes, which Everyshop considers necessary, without liability.

Everyshop will deal with your personal information in terms of the privacy policy: https://www.everyshop.co.za/privacy-policy

13. Disclaimer

1. When you visit the Everyshop Website, you consent to receive communication from Everyshop electronically and agree that all agreements, notices, disclosures and other communication sent by Everyshop satisfy any legal requirements, including but not limited to the requirement that such communications should be “in writing”.

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 Everyshop. You are to keep proof of any repairs conducted and allowed by Everyshop and proof of purchase on all returned goods.

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.

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.

5. Everyshop 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 Everyshop attempts to provide accurate and timely information, Everyshop cannot guarantee this. Everyshop may correct and change the website if required. The Everyshop goods and services described on the website are available in RSA, through the Everyshop distribution network.

6. Although Everyshop 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 Everyshop cannot guarantee that your equipment will display an accurate representation of the actual goods or their colours. Everyshop 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 Everyshop. 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.

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.

14. Limitation of Liability

Everyshop 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 Everyshop harmless against any claim or liability (including attorneys’ fees) arising out of your use of the website.

15. Availability and Termination of Orders

Everyshop 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.

16. Governing Law and Jurisdiction

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

17. PAIA Manual
18. Gift Cards

Physical Gift Cards:

1. The Gift Card carries no value unless money is loaded onto the card electronically. The Gift Card may be used to purchase from Everyshop. Purchases will be deducted from the balance on the Gift Card until there is a zero balance, however the value of the Gift Card balance may be increased at any stage. The Gift Card balance may be checked online or through the Everyshop call centre on 0800 111 081. The balance as reflected on the Everyshop system will be considered binding. All transactions will be honoured to the maximum value of the Gift Card

2. The Everyshop Gift Card is valid for a period of 3 (three) years from date of activation or upon full redemption thereof, whichever occurs earlier. However, where the balance of the Gift Card has been increased then it will remain valid for a period of (3) three years from the date of top-up or upon full redemption thereof, whichever occurs earlier – irrespective of the date of activation.

3. Everyshop, it’s owners and it’s duly appointed agents will not be held liable for damage, loss, theft or copying of the original Gift Card, and it will not be held liable for any form of reimbursement or compensation of any nature whatsoever.

Electronic Gift Cards:

3.1 An electronic Gift Card is an email version of the physical Gift Card and the same terms and conditions apply. In addition to the following;

3.2 Should you not utilize the full value of your Electronic gift card on your first purchase, the balance will be transferred to a physical gift card.

3.3 The Electronic Gift Card cannot be topped up nor be emailed (Transferred) to a third party.

3.4. Should the Electronic Gift Card be deleted or the Customer’s cellphone lost/stolen, Everyshop will be not be liable for any reimbursement of any nature. SMS can be resent, but only to the original number.

3.5. The usage of the Electronic Gift Card is solely at the risk and discretion of the Customer

3.6. Everyshop will not be held responsible for any cellular network service operator's delay in forwarding an Electronic Gift Card to you

3.7. The Electronic Gift Card will only be accepted if a valid Electronic gift card number in SMS format is presented to the Cashier

4. The Gift Card may not be

4.1. exchanged for cash; or

4.2. Used for the payment of an account;

4.3 no cash change will be given on purchases made with the Gift Card.

5. Security:

5.1 You are responsible for the safekeeping of your Gift Card. Keep your Gift Card in a safe place as; if stolen, it may still be used to make purchases. Lost or Stolen Gift Cards will not be replaced or refunded. However, should you be in possession of the gift card number, you can call the Everyshop call centre on 0800 111 081 to report it lost or stolen, we will then block the remaining amount on the Gift Card and transfer it to another Gift Card, available when you next visit the Everyshop website.

6. General:

6.1. For all our purchase terms and conditions please refer to our website at www.everyshop.co.za or our customer service help line 0800 111 081.

19. Competitions and Promotions

All items, unless specified otherwise may be ordered online at www.everyshop.co.za

Terms and Conditions for Online Promotional Offers

These are the standard terms and conditions for promotional offers conducted or promoted by JD Consumer Electronics and Appliances t/a Everyshop

Your – participation in the promotional offer; and/or fulfilment of the conditions pertaining to a promotional offer; constitutes your binding acceptance of these terms and conditions.

Entrance criteria:

1. This promotional offer is exclusive to Everyshop online purchases (www.everyshop.co.za).

2. Stocks are limited

3. Customers should log on the Everyshop website by strictly using their specific user login details. Use of other person’s login detail will disqualify your order.

4. Online purchases made through several logins and using the same card will disqualify the order

5. Stocks are exclusively limited to 1(one) customer per advertised product/unit. Any other online purchases, which are conducted contrary to the requirements of these terms and conditions, will be cancelled and customer will be refunded should their order be cancelled/disqualified.

6. Everyshop reserves the right to restrict and/or decline sales to traders and dealers. The online purchase price has been reduced only for the purpose of this online promotional offer.

7. Prices will return to their standard price on the expiry of this promotional offer or should the limited stock be sold-out.

8. It is your responsibility, as a participant, to ensure that any information which you provide in respect of this promotional offer is accurate, complete and up to date

20. Bundle Deals

Everyshop may offer bundle deals for sale during promotional periods. Each Bundle Deal will consist of 2 (two) or more products that are packed or advertised together at one specified price.

Any saving or discount resulting from purchasing a Bundle Deal instead of its component products separately may be applied to any of the component products individually in our sole discretion. The actual purchase price (after applying and applicable saving or discount) of each component product will be communicated to you upon checkout and reflected in your order history.

A Bundle Deal should be distinguished from a pre-packed bundle compiled by our supplier and supplied to us as a single unit (“Hard Bundles“). Any saving or discount in respect of a Hard Bundle will be applied only to the total bundle price and not to the prices of the individual component products.

21. Special Order Online Only Products

1. Everyshop Goods, Price and Availability of Endless Aisle product offering

2. The products purchased are not available stock and Everyshop will specifically order the purchased product.

3. Should Everyshop be unable to fulfil any order placed by you at the advertised price due to stock unavailability, you will be notified and you will be entitled to a refund of the amount paid for such goods.

4. Should goods become sold out, we reserve the right to cancel your order and to refund your payment with the inclusion of any applicable delivery fees.

5. Please note that although Everyshop endeavours to accurately describe and/or depict each good on the website, some descriptions or photographs may be of a generic nature and not specific to the particular goods you wish to buy. Everyshop has made every effort to display as accurately as possible the colours of the products that appear on our website. However, as the actual colours you see will depend on the device that you use to access our website, we cannot warrant that your device’s display of any colour will be accurate.

6. Online Only Products are products that may be purchased online only. Online Only Products must be paid for in full before your order can be made and delivered. The turnaround time for Online Only Products deliveries are 5 to 10 working days.

7. Image Disclaimer: Where goods are displayed with compatible devices, these devices will not be included as part of the sales price unless specifically identified as part of a goods bundle. In all other cases images are shown to display goods within a lifestyle setting and do not include part of a sales proposal including any said devices or lifestyle additions.

22. Everything you need to know about Mobicred!

At Everyshop, we always look for easy and convenient ways to make your shopping experience enjoyable! For this reason, we have partnered with Mobicred a simple and convenient credit facility that allows you to safely shop on our website for your favourite products.

Mobicred grants approved users access to an online revolving credit facility of up to R35,000 to purchase items online; the user pays 10% of the outstanding balance each month and gains access to any monies paid back into the account for purchases again.

At a product level you are able to see Mobicred’s indicative monthly pricing for 12 months.

Apply now

New Mobicred users:

- First, you’ll need to register on Mobicred’s website and complete your application.

- Once approved, you can return to Everyshop and pay for your items using Mobicred*.

Existing Mobicred users:

- Select Mobicred as your payment option during checkout.

- Log in using your Mobicred username and password.

- Enter the one-time pin (OTP) that will be sent to your mobile phone.

- Confirm and pay.

- Your Mobicred account will be debited and we will send you a confirmation email of your order.

Mobicred Fees

As a revolving credit facility, Mobicred repayments are calculated at 10% of the account balance plus fees.

These fees will be confirmed with you by Mobicred on opening your Mobicred account.