POLICY AND DISCLOSURE NOTICE FOR THE NON-LIFE INSURANCE BENEFITS WHICH FORM PART OF THE OPTIONAL CLUB PLATINUM PRODUCT (“the/this Policy”)
This is a non-life insurance Policy.
This document sets out the terms and conditions of the insurance benefits which form part of Your Club Platinum magazine subscription. This Policy provides You with death cover and account settlement cover if You meet all the conditions of this Policy.
This Policy is a legal document which must be read together with, and considering the following:
– The terms and conditions and disclosure notice;
– The account application form;
– Quotation and pre-agreement statement for small and intermediate credit agreements;
– Insurance disclosure;
– Credit facility agreement; and
– Any changes we have agreed in writing.
Your Club Platinum subscription is optional. This means that, when you subscribe to Club Platinum magazine, You will be covered by the Death Benefit and Account Settlement Benefit as set out in this Policy, but it is Your Beneficiary’s choice whether or not to claim for the Benefits when You die, and it is Your choice whether or not to subscribe to Club Platinum.
You must read this Policy carefully so that You understand when the Insurer will approve a Claim.
Please make sure You understand the meaning of these important words, used in this document:
Beneficiary means a person nominated by You as the person in respect of whom the Insurer should meet the Policy Death Benefit;
Benefit means the amount or amounts payable on Your Death as defined in this Policy, and ‘Benefits’ shall have a corresponding meaning;
Claim means, unless the context indicates otherwise, a demand for Benefits under this Policy by a Claimant, whether the Claimant’s demand is valid or not, made by handing in a completed and signed claim form with supporting documents to TFG, and ‘Claims’ shall have a corresponding meaning;
Claimant means a person who makes a Claim in relation to this Policy;
Claim Event means Your Death which happens after the Starting Date and during the insurance period;
Claim Event Date means the date on which the Claim Event occurs, giving rise to a Claim;
Club Platinum Amount means the monthly amount which You pay for Your Club Platinum subscription;
Credit Limit means the maximum approved amount of credit in terms of Your TFG Account;
Day means a 24 (twenty-four) hour period, and ‘Days’ has a corresponding meaning;
Death means Your death by any cause, subject to the Exclusions and the terms and conditions of this Policy;
Exclusion means a loss or event not covered by this Policy. Should a Claim Event arise from an Exclusion, no Benefit will be payable. ‘Exclusions’ shall have a corresponding meaning;
Insolvency Act means the Insolvency Act 24 of 1936;
Insurer means the insurance company that underwrites this insurance, namely Guardrisk Insurance Company Limited (registration number 1992/01639/06 and FSP number 75), a licensed non-life insurer. See the disclosure notice for details;
Magistrates’ Courts Act means the Magistrates’ Courts Act 32 of 1944;
National Credit Act means the National Credit Act 34 of 2005;
Outstanding Balance means the total amount that You owe TFG on Your TFG Account from time to time or at the Claim Event Date;
Personal Information means personal information as defined in the Protection of Personal Information Act 4 of 2013;
Premium means the monthly amount that You must pay to be covered by the Death Benefit and Account Settlement Benefit in terms of this Policy. The Premium is included in the Club Platinum Amount. We pay the Premium to the Insurer on Your behalf and recover the amount which We pay to the Insurer from You (see clause 4 for details);
Repudiate means, in relation to a Claim, any action by which the Insurer rejects or refuses to pay a Claim or any part of a Claim, for any reason, and includes instances where a Claimant lodges a Claim –
in respect of a loss event not covered by this Policy; and
in respect of a loss event or risk covered by this Policy, but the Premium payable in respect of this Policy has not been paid;
and ‘Repudiated’ shall have a corresponding meaning;
Starting Date means the date when this Policy starts, which is the date when You sign the credit agreement and accept the TFG store card terms and conditions for Your TFG Account and confirm Your choice to subscribe to Club Platinum, or the date on which You take up this Policy over the telephone;
TFG Account means the store card account that You have with TFG;
Variation means any act that results in a change to –
i. the Premium,
ii. any term,
iii. any condition,
iv. any Policy Benefit,
v. any Exclusion, or
vi. the duration of this Policy,
and ‘Vary’ shall have a corresponding meaning;
We/Us/TFG means Foschini Retail Group (Pty) Ltd (registration number 1988/007302/07 and FSP number 32719). The stores in our group are called TFG Stores in this Policy. We provide services as an intermediary between You and the Insurer. See the disclosure notice for details;
Welcome Letter means the letter sent to You from Us confirming that You are covered by this Policy and that You have consented to taking up this Policy;
You/Your means the South African person who is older than 18 (eighteen), who has applied for a TFG Account, which application has been accepted by TFG and who has chosen to subscribe to Club Platinum. You are the person who will be insured by the Benefits in terms of this Policy.
1. Insurance Period
You are only insured while You have valid insurance. You have valid insurance if all the terms and conditions of this Policy are met and if You have paid the monthly amount required by Us on Your TFG Account (see clause 1.1).
This Policy will suspend (You will not have cover and You will not be billed for an amount equal to the Club Platinum Amount) when:
1.1 You have not paid the monthly amount required by Us on Your TFG Account for 2 (two) consecutive months. You may contact TFG’s customer services on 0860 834 834 if You would like to know what this amount is. We will notify You in writing when You have not paid this amount);
1.2 You are under debt review as provided for in the National Credit Act;
1.3 You are under administration as provided for in the Magistrates’ Courts Act;
1.4 You become insolvent as provided for in the Insolvency Act;
1.5 You reach Your Credit Limit;
As concerns the Account Settlement Benefit only:
1.6 The interest, costs and fees on Your TFG Account equal Your total balance at default, as per section 103(5) of the NCA. In such an event, You may contact Us on 0860 834 834 and We will advise You of the payment You need to make to ensure that the cover under this Policy is reinstated. If this happens, You will not have cover under the Account Settlement Benefit and You will not be billed that portion of the Club Platinum Amount which is the amount equal to the premium for the Account Settlement Benefit;
As soon as any of the circumstances listed above at 1.1 to 1.6 come to an end or no longer apply, the applicable Benefit(s) under this Policy will reinstate automatically. See clause 6 for details on when this Policy will end.
This insurance will start on the Starting Date.
2. Benefits – what We cover
2.1 Death: on Your Death (when You die), the Insurer will pay the capital sum of R10 000.00 (ten thousand rand) to Your nominated Beneficiary.
If You subscribed to Club Platinum on or after 1 August 2014: The Death Benefit in the amount of R10 000.00 (ten thousand rand) will automatically reduce to the amount of R2 000.00 (two thousand rand) on the day that You turn 65.
If You subscribed to Club Platinum before 1 August 2014: The Death Benefit will stay R10 000.00 (ten thousand rand), regardless of Your age.
2.2 Account Settlement: on Your Death during the currency of Your TFG Account, the Insurer will settle (pay) the Outstanding Balance on Your TFG Account, calculated on the Claim Event Date, up to a maximum settlement amount of R10 000.00 (ten thousand rand).
If You subscribed to Club Platinum on or after 1 August 2014: The Account Settlement Benefit in the amount of R10 000.00 (ten thousand rand) will automatically reduce to the amount of R1 500.00 (one thousand five hundred rand) on the day that You turn 65.
If You subscribed to Club Platinum before 1 August 2014: The Account Settlement Benefit will stay R10 000.00 (ten thousand rand), regardless of Your age.
The amount payable under the Account Settlement Benefit will be paid directly to TFG, and not to any other person/entity.
3. Specific Exlusions (what is not covered)
The Insurer will not cover Death which is caused by You:
3.1 Abusing alcohol, drugs or narcotics or being affected by insanity;
3.2 Actively participating in war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, insurrection, rebellion or revolution, civil commotion or uprisings, military or usurped power, mutiny, martial law or state of siege or any other event or cause which determines the proclamation or maintenance of martial law or state of siege;
3.3 Performing any act, or any attempting to perform any act (whether on behalf of any organisation, body or person, or group of persons) calculated or directed to overthrow or influence any State of Government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence;
3.4 The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to in clauses 3.2 and 3.3 above.
3.5 Using nuclear, biological or chemical weapons, or any radioactive contamination;
3.6 Participating in criminal activities;
3.7 Participating in hazardous activities such as mountain climbing, bungee jumping and speed racing;
3.8 committing or attempting to commit suicide or wilful self-injury; or
If the Insurer alleges that by reason of clauses 3.1 to 3.8 above Your Death is not covered by this Policy, the burden of proving the contrary shall rest on the Claimant.
The Insurer shall not be liable for loss or damage caused directly or indirectly by or through or in consequence of any occurrence for which a fund has been established in terms of the War Damage Insurance and Compensation Act, 1976, or any similar Act.
This Policy does not cover any consequential loss, which is loss because of Your Death, for example, if You were the primary breadwinner for Your family and You can no longer provide for Your family because You have died.
This Policy does not cover Death arising directly or indirectly from any bodily injury or illness / sickness which happens before the Starting Date.
4.1 The Premium is R4.37 per month and is included in the Club Platinum Amount.
4.2 The monthly Premium for the Death Benefit is R3.31, which is included in the Club Platinum Amount. The monthly premium for the Account Settlement Benefit is R1.06, which is included in the Club Platinum Amount.
|Disclosure in terms of Section 106(5)(b) of the National Credit Act 34 of 2005|
|Please take notice that, in terms of Section 106 (5) (b) of the Act, the purchase of the credit insurance policy offered by TFG to You accrues the following:|
|Costs of the credit insurance for which You are liable||R1.06|
|Commission payable to TFG in relation to the Policy||R0.00|
You have the right to substitute the above credit insurance policy with a credit insurance product of Your choice.
4.3 We will pay the Premium to the Insurer on Your behalf each month. We will recover the Premium which We pay to the Insurer each month from You by debiting an amount equal to the Club Platinum Amount (which includes the Premium paid on Your behalf) to Your TFG Account every month. This debit will show on Your TFG Account statement each month.
4.4 The Premium may be reviewed once during any calendar Year, but We will give You 31 (thirty one) Days’ notice of any increase. The increased amount will be debited to Your TFG Account from the effective date of the increase.
4.5 The terms and conditions for TFG’s store cards will apply together with the terms and conditions of this Policy as set out in this document. The billing of the amount equal to the Club Platinum Amount will attract interest if Your TFG Account payment plan attracts interest, at the same rate as the rate applicable to the TFG Account payment plan, and We will keep that interest.
4.6 If You subscribed to Club Platinum prior to 1 August 2014: Where You elect not to be charged the Club Platinum Amount if Your TFG Account has a zero or credit balance, no cover and benefits will be in force. When Your TFG Account becomes active again, which means that You made a purchase on Your TFG Account, Club Platinum cover and benefits will automatically start again.
4.7 If You subscribed to Club Platinum on 1 August 2014 or thereafter: the Club Platinum Amount will be debited to Your TFG Account (and We will pay the Premium to the Insurer) whether Your TFG Account has a debit (negative) balance, a balance of zero or a credit (positive) balance and the cover and benefits will be in force regardless of the Outstanding Balance.
5. How to claim
A Claim must be made in writing within 3 (three) months after the Claim Event for unnatural death and within 4 (four) months after the Claim Event for natural death.
A claim form is attached to the Welcome Letter. If You have lost the claim form that was attached to the Welcome Letter, You (or the Claimant) may request a copy from any TFG store, or download a claim form on TFG’s insurance website at www.tfginsurance.co.za or contact the Insurance Claims Department and request a claim form to be sent to You (the contact details are further down in this clause).
You can notify Us of a Claim by clicking on the claims notification tab on Our website at www.tfginsurance.co.za, but the Claimant will still be required to complete, sign and submit a claim form as indicated below.
To make a Claim, the Claimant must email the completed and signed claim form with supporting documents listed below to the Insurance Claims Department at [email protected] If the Claimant does not have access to email, he/she can go to his/her closest TFG Store and hand in a fully completed and signed claim form with the documents listed below.
The following documents must be handed in with the claim form:
- A certified copy of Your death certificate;
- A certified copy of the Claimant’s identity document;
- A certified copy of Your identity document;
- A certified copy of the Beneficiary’s identity document;
- Any other documents or information that We require, including affidavits as detailed on the claim form
The TFG store staff will email the Claim documents to the TFG Insurance Claims Department, or You can fax or email them yourself. Contact details for the Insurance Claims Department are:
- fax number: 021 937 5274;
- sharecall number: 0860 000 388; and
- email: [email protected]
Notification of all Claims that are submitted to Us under this Policy shall be made to the Insurer by Us, on the Claimant’s behalf.
A Claim shall not be payable if the conditions set out in this paragraph 5 are not met. If there is any fraud in relation to a Claim, You will not be covered by this Policy at all.
We will let You know if the Insurer has accepted and approved Your Claim.
If a Claim is Repudiated by the Insurer, We will let the Claimant know in writing within 10 (ten) Days of the decision to Repudiate the Claim.
If the Claimant disputes the Insurer’s Repudiation of his/her Claim, he/she has 90 (ninety) Days from the date he/she receives the repudiation letter to appeal this decision in writing to the Insurer. The Insurer’s contact details are in the Disclosure Notice which is attached to this Policy.
If the appeal is not successful or the dispute is not resolved at the end of this 90 (ninety) Day period then the Claimant has an additional 6 (six) months to institute legal action against the Insurer by serving summons on it, failing which the Insurer is no longer liable in respect of the Claim.
The Insurer is not liable after 12 (twelve) months have expired from the date of the Claim Event, unless the Claim is the subject of a pending court case between You/the Claimant and the Insurer, or subject to arbitration, or is a claim for sums of money for which You may become liable.
Please contact TFG’s Insurance Claims Department for a copy of TFG’s Claims Management Framework. The telephone number is 0860 000 388.
If You have a complaint, You can make Your complaint to Us or to the Insurer by using the contact details in the Disclosure Notice below.
If any complaint to TFG or the Insurer is not resolved to Your satisfaction, You may submit a complaint to the short-term Insurance Ombudsman or the FAIS Ombudsman (see the Disclosure Notice for the Ombudsmans’ contact details) or the Financial Sector Conduct Authority, which is the regulator of the long-term insurance industry (see the Disclosure Notice for their contact details).
6. When this Policy will end
6.1 The Insurer can end this insurance by giving You 31 (thirty one) Days’ notice in writing, to your last known address, to Your email address or via SMS.
6.2 This Policy will automatically end
6.2.1 when You die; or
6.2.2 when Your TFG Account is terminated;
whichever of these events happens first.
6.3 You may cancel Your Club Platinum magazine subscription (which includes the insurance benefits) at any time by contacting TFG’s customer services on 0860 834 834. Cover will stop at midnight on the last day for which the Club Platinum Amount has been paid.
7. Variations to this Policy
The Insurer reserves the right to Vary the terms and conditions of this Policy by giving 31 Days’ written notice to You of its intention to do so. Any Variations and or changes will be binding on You and the Insurer and can be applied at any time to the existing terms and conditions after written communication of these changes has been sent to Your last known address as it appears in the Insurer’s records at that time.
8. Your duties in respect of this Policy
8.1 You must always give Us information that is to the best of Your knowledge:
True and correct
Complete – make sure nothing is missing.
8.2 It is Your responsibility to tell us about all relevant changes to Your details or circumstances and all relevant details about a Claim You or the Claimant makes.
8.3 If You do not give true, correct and complete information, the Insurer may:
- end this Policy. If this happens, You will not get the Premium which has been paid, back, and/or
- refuse to pay out a Claim. If this happens, You will not get the Premium which has been paid, back.
8.4 You must not commit fraud or make a fraudulent Claim. If You commit fraud or submit a Claim that is in any way fraudulent, We will lay charges with the police and not pay out Your insurance Claim. We will also not refund any Premium which has been paid.
9. Jurisdiction and governing law
Only the courts of the Republic of South Africa shall have jurisdiction to entertain any claims arising out of or in respect of this Policy and the law of the Republic of South Africa shall apply to this Policy.
You consent to the jurisdiction of the High Court of South Africa, Gauteng Local Division, Johannesburg, in respect of all claims and causes of action between You, the Insurer and/or TFG, whether now or in the future, arising out of or in respect of this Policy.
10. Indulgence, leniency or extension
If We allow You any indulgences, it does not affect our rights under this Policy. It also does not mean that We must allow You any similar indulgences again. For example, if We give you extra time to pay the Club Platinum Amount on one occasion, We do not have to give You extra time to pay the Club Platinum Amount on another occasion.
11. Treating Customers Fairly
We have created a superior solution – encompassing products, processing and service – tailored to each of our customers’ requirements. We will, at all times, deliver a superior customer experience, simplifying and improving our customers’ lives. We will achieve this through a motivated team of skilled people, absolute fairness in our treatment of our customers and partners and complying with the principles and outcomes of Treating Customers Fairly. These are:
– You are confident that Your fair treatment is key to our culture
– Products and services are designed to meet Your needs
– We will communicate clearly, appropriately and on time
– We are not licensed to give advice. Queries regarding advice must be referred to the Insurer
– Our products and services meet Your standards and are of an acceptable level
– There are no barriers to access our services, switch providers, make a claim or to lodge any complaints
12. Processing and protection of Personal Information
12.1 For the purposes of this section, “Applicable Laws” shall mean the Protection of Personal Information Act 4 of 2013 and any other legislation referring to data management and such processes.
12.2 Your privacy is of utmost importance to TFG and the Insurer. TFG and the Insurer will take the necessary measures to ensure that any and all information, provided by You or which is collected from You is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.
12.3 You agree to give honest, accurate and up-to-date Personal Information and to maintain and update such information when necessary. You have the right to access Your Personal Information held by TFG or the Insurer, during office hours and within a reasonable time after receiving such a written request for access. You may update Your Personal Information at any time by calling TFG.
12.4 You accept and expressly consents that Your Personal Information collected by TFG and/or the Insurer may be used for the following reasons:
12.4.1 to establish and verify Your identity in terms of the Applicable Laws;
12.4.2 to enter into this Policy and to enable the Insurer, TFG and either of their authorised representatives to fulfil their obligations in terms of this Policy and to comply with Your instructions;
12.4.3 to enable the Insurer and TFG to detect fraud and criminal activities and to take the necessary measures to prevent any suspicious or fraudulent activity in terms of the Applicable Laws; and
12.4.4 reporting to the relevant regulatory authority/body, in terms of the Applicable Laws.
12.5 You expressly consent to TFG and the Insurer sharing Your Personal Information with third parties to administer this Policy and comply with any regulatory requests. TFG and the Insurer may share Your information for further processing with the following third parties, which third parties have an obligation to keep Your Personal Information secure and confidential:
12.5.1 payment processing service providers, merchants, banks and other persons that assist with the processing of Your payment instructions;
12.5.2 law enforcement and fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
12.5.3 regulatory authorities, industry ombudsmen, governmental departments, local and international tax authorities, and other persons that TFG and the Insurer, in accordance with the Applicable Laws, are required to share Your Personal Information with;
12.5.4 credit bureau’s;
12.5.5 TFG’s and the Insurer’s service providers, agents and sub-contractors that have been contracted by TFG or the Insurer to offer and provide products and services to You in respect of this policy; and
12.5.6 persons to whom TFG or the Insurer cede their rights or delegate their authority in terms of this Policy.
12.6 TFG and the Insurer will only keep Your Personal Information for as long as necessary or required by law.
12.7 Unless You consent thereto, TFG and the Insurer will not sell, exchange, transfer, rent or otherwise make available Your Personal Information to any other parties and You indemnify TFG and the Insurer from any claims resulting from disclosures made with Your consent.
12.8 You understand that if TFG/Insurer has utilised Your Personal Information contrary to the Applicable Laws, You have the right to lodge a complaint with Guardrisk or with the Information Regulator once established.
Financial Advisory and Intermediary Services (FAIS) General Code of Conduct 2003
Contact and other details of TFG (Foschini Retail Group (Pty) Ltd)
TFG is an Authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act (FSP No. 32719) and a registered credit provider in terms of the National Credit Act (NCRCP No. 36)
- VAT number: 4210187250
- Physical Address: Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500
- Postal Address: P O Box 6020, Parow East, 7501
- Telephone Number: 0860 834 834
- Fax Number: 021 938 5274
- Email address: [email protected]
- Website: www.tfginsurance.co.za
- External Compliance Officer: Nadia Verappen, telephone: 087 897 6970
TFG is a company incorporated in terms of South African company legislation. It performs services as an intermediary under the Short Term Insurance Act and Financial Advisory and Intermediary Services Act, entering into short-term policies. It has an agreement with Guardrisk, a cell captive insurer, and has the necessary mandates to act on behalf of Guardrisk.
TFG has Professional Indemnity insurance cover.
For a copy of TFG’s Complaints Management Framework, please call Customer Services on 0860 834 834 or visit TFG’s website, or email TFG at [email protected] .
For a copy of TFG’s Conflict of Interests Policy, please call Customer Services on 0860 834 834.
In the event of queries, call the Customer Services share call number which is 0860 834 834.
Contact and other details of Guardrisk:
Guardrisk is an Authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act (FSP No. 75)
- VAT number: 4250138072
- Physical Address: The Marc, Tower 2, 129 Rivonia Road, Sandton, 2196
- Postal Address: P O Box 786015, Sandton, 2146
- Telephone Number: 011 669 1000
- Fax Number: 011 669 1931
- Compliance Officer: 011 669 1000 or [email protected]
- Claims disputes: [email protected]
You can access our Complaints Resolution Policy at: www.guardrisk.co.za or e-mail: [email protected]
You can access our Conflict of Interest Management Policy at: www.guardrisk.co.za
Other matters of importance:
- This is an optional product that has been offered by TFG to you (the insured), and you have taken it out voluntarily and have not been forced to do so. You have the right to refuse this proposal;
- You must be informed of any material changes in the detail provided above about TFG and Guardrisk;
- If the information about TFG and Guardrisk was given orally, it must be confirmed in writing within 31 days;
- If any complaint to TFG and/or Guardrisk is not resolved to your satisfaction, you may submit the complaint to the Registrar of Short Term Insurance;
- A polygraph or any lie detector test is not obligatory in the event of a claim and the failure thereof may not be the sole reason for repudiating a claim;
- Subject to this notice and clause 5 above, Guardrisk and not TFG must give reasons for repudiating your claim;
- Guardrisk may not cancel your insurance merely by informing TFG;
- There is an obligation to make sure the cancellation notice has been sent to you;
- You are entitled to a copy of this Policy free of charge; and
- You confirm that you have read and understood the contents of this Policy.
Warnings to Insured:
- Do not sign any blank or partially completed forms;
- Complete all forms in ink;
- Keep all documents handed to you;
- Make a note as to what is said to you;
- Do not be pressurised to buy the product;
- It is your responsibility to review the cover periodically to ensure it remains adequate; and
- Incorrect or non-disclosure by you of relevant facts may influence Guardrisk or TFG regarding any claims made.
INSURANCE COMPLAINTS PROCEDURE:
For all complaints, please first address your complaint with us, TFG, as we would like to try and resolve it first. If your complaint is insurance related and we have not been able to assist satisfactorily then you may elevate your complaint to Guardrisk.
If the complaint to Guardrisk is not resolved to your satisfaction, you may submit the insurance complaint to the following regulators:
The Short-Term Insurance Ombudsman – in the event of claims problems not satisfactorily resolved
P O Box 32334, Braamfontein, 2017
Tel: 011 726 8900, Share call: 0860 726 890, Fax: 011 726 5501
E-mail: [email protected] Website: www.osti.co.za
The FAIS Ombud – in respect of complaints about the selling of the insurance product by TFG or Guardrisk
P O Box 74571, Lynwood Ridge, 0040
Tel: 012 470 9080, Share call: 0860 324 766 / 0860 FAISOM, Fax: 012 348 3447
E-mail: [email protected] Website: www.faisombud.co.za
The Registrar of Short-Term Insurance (Financial Sector Conduct Authority) – if any complaint to TFG or Guardrisk is not resolved to your satisfaction:
P O Box 35655, Menlo Park, 0102
Tel: 012 428 8000, Fax: 012 347 0221
E-mail: [email protected] Website: www.fsb.co.za
Particulars of the Information Regulator
(For personal information related matters)
PO Box 31533, Braamfontein, Johannesburg, 2017
+27- 010- 023- 5200
+27- 082- 746- 4173
Email: [email protected]