Club

Club

COMPETITIONS TERMS & CONDITIONS

You could walk away with anything from cash to money credited into your account in our monthly competitions.
All you have to do is keep an eye out for:

  • the R50 000 Superdraw
  • R10 000 in grocery vouchers
  • a variety of monthly prizes, including specific amounts credited to the subscriber’s account.

COMPETITION ENTRIES

Club magazine subscribers are automatically entered into all competitions in the magazine, except for the grocery and cash account credit competitions. 

For these competitions, subscribers must SMS their name, ID number and the keywords ‘Club  Grocery’ or ‘Club Fashion’ to 44002 to stand a chance to win.

GENERAL COMPETITION TERMS AND CONDITIONS 

1 As a magazine subscriber, you will be automatically entered into selected competitions in the magazine.

2 Where you need to send an SMS to enter a competition, standard SMS rates apply for these competitions.

3 Unless otherwise stated, all competitions are organised by Foschini Retail Group (Pty) Ltd Registration number 1988/007302/07 (“TFG”).

4 In these rules, “Promoter” means a person who directly or indirectly promotes, sponsors, organises or conducts the competition, or for whose benefit the competition is promoted, sponsored, organised or conducted, which includes TFG. No director, member, partner, employee, agent of, or consultant to the Promoter or any other person who directly or indirectly controls or is controlled by the Promoter, their advertising agencies, or their spouses, life partners, parents, children, brothers, sisters, business partners or associates, may enter a competition. This also applies to a person who is a supplier of goods or services in connection with a competition.

5 Competition winners (“Winners”) may be required to provide a copy of their ID to confirm their magazine subscription. All Winners need to be active subscribers of the magazine in order to qualify for a prize, which means their TFG account needs to be up to date and not in arrears.

6 Winners will be randomly selected by means of an automated system and will be contacted telephonically or via email within one month of the competition closing date. If we cannot contact a Winner after 2 attempts have been made to reach him/her on their chosen contact number, and either the call is not answered or the call goes directly to voicemail, the prize will be forfeited and a new Winner will be re-drawn.

7 The winner’s name and/or photo will be published in the magazine. The Winner will be given the opportunity to agree or not to agree to the publication of their image unless the competition is of such a nature that the Winner’s picture must be published.

8 The prize(s) will
be sent to the Winner(s) via courier to the Winner(s) home address or to the nearest TFG store if the Winner does not have a physical address. Club grocery voucher Winner(s) will receive their voucher via an SMS.

9 All competition entrants must reside in South Africa.

10 By entering the competitions, entrants agree and understand that they may win a prize, and that there is no guarantee that they will win a prize.

11 Unclaimed prizes will be kept for six months only, after which time they will be reallocated to an alternative Winner.

12 Prizes are not transferable, may not be deferred or exchangeable for cash or otherwise.

13 If any taxes, levies, duties or any charges whatsoever are levied on a prize by any competent authority, the Winner will be liable for these and the prize value will not be increased to compensate for such charges.

14 Should the law or any authority terminate a competition, no notice of termination shall be required. In such an event, all entrants waive any rights and acknowledge that they shall have no claim of any nature whatsoever against TFG, its directors, agents or employees as a result of the termination. Further, TFG reserves the right to vary, postpone, suspend or cancel the competition and any prizes that have not yet been drawn, or any aspect thereof, without notice at any time and for any reason whatsoever that TFG deems is reasonable at the time.

15 You may be limited to how often you can enter a competition, how many prizes you may win, and how often you can win a prize per magazine.

16 The decision of TFG as to the Winner is final and there will be no correspondence.

17 To the extent that a licence (e.g. driver’s licence) or permission (e.g. by a parent/guardian) is required in order to accept or use a prize, the Winner must produce such licence or permission for inspection by TFG prior to receiving the prize. If the Winner does not or is unable to do so, the prize will be forfeited and another Winner will be drawn under the same terms and conditions.

18 By accepting a prize or by entering this competition, you hereby indemnify TFG, its directors, agents, employees and the promoters/sponsors against any damages of any nature whatsoever that anyone may suffer as a result of the prize/s and/or this competition, including consequential damages and economic loss.

19 Failure to comply with these terms by a Winner will be deemed to be a rejection of the prize and the Winner will then be disqualified from receiving the prize.

20 Certain competitions may have additional terms, and these will be set out in the magazine advertising the competition.

 

BENEFITS TERMS & CONDITIONS FOR ACCOUNT SUBSCRIBERS

GENERAL SUBSCRIPTION TERMS 

1 You have subscribed to a physical / digital magazine (“the magazine”) published or distributed by Foschini Retail Group (Pty) Ltd (“TFG”)

2 Your TFG account will be billed monthly for the magazine until you advise us to cancel your subscription, by contacting our Customer Services department. They can be contacted at 0860 834 834. You may cancel your subscription at any time but will be billed for the magazine until we receive your cancellation request.

3 Should you not wish to be billed for the magazine when your TFG account has a zero balance, please advise us of this by contacting our Customer Services department.

4 TFG reserves the right to cease publication or distribution of the magazine at any time in our sole and absolute discretion. In such an event, we will no longer bill you for the magazine.

5 TFG reserves the right to change or cease the benefits offered in the magazine at any time.

6 TFG may change the shape and the size of the magazine at any time.

7 The price of the magazine may be adjusted annually, and you will be billed the increased price from the date that the increase becomes effective. We will give you advance notice of any such increase and the effective date thereof.

8 These terms and conditions can change from time to time and you will be bound to any new terms and conditions from the date of publication thereof in the magazine.

9 We hereby notify you that it may be necessary for certain third-party benefit providers to process your personal information to enable them to provide their services to you. By subscribing to the magazine, you agree to this.

10 TFG staff members who subscribe to the magazine are not eligible for any magazine benefits and competition prizes.

11 You are contracting with Foschini Retail Group (Pty) Ltd, Registration number 1988/007302/07, VAT number 4210187250, situated at 340 Voortrekker Road, Parow East, Cape Town.

12 Your access link to the monthly issue of the digital magazine will be sent to you via SMS on the 15th of each month or the closest working day of the month after this, for as long as you are a subscriber to the magazine.  13 TFG cannot be held responsible if you do not receive your SMS access link for your digital magazine due to power outages, interruptions with your mobile service provider or the incorrect cellular number being provided to TFG.

VALUE CLUB AND CLASSIC CLUB DO NOT INCLUDE ANY INSURANCE BENEFITS OR DEATH BENEFIT, CONDITIONS FOR CLUB AND PLATINUM SUBSCRIBERS ONLY

1 Club and Club Platinum both include two insurance benefits – a death benefit and an account settlement benefit, underwritten by Guardrisk Insurance Company Limited or Guardrisk Life Limited, both authorised financial services providers, depending on when you took up the Club product. Foschini Retail Group (Pty) Ltd is an authorised financial services provider. For details on the benefits and how to claim, and the full policy wording, please see our website at www.tfgclubmagazine.co.za  or call customer services on 0860 834 834.

2 Where Club magazine is taken up by RCS account holders on their RCS account, in the event of a Club magazine subscriber’s death, their beneficiaries will receive R2 000 death cover and the outstanding balance on the deceased’s RCS account will be settled up to a maximum of R1 500.

3 Platinum Club magazine is only available to TFG account holders on their TFG account.

4 Where Club magazine is taken up by an RCS account holder, claimants should contact the RCS call centre on 0861 729 727 to obtain a claim form. 

MAGAZINE BENEFIT TERMS AND CONDITIONS

Terms and conditions apply to all benefits in the magazine, and these will be set out in the magazine, or can be viewed at tfgclubmagazine.co.za.

ADDITIONAL SUPERDRAW RULES FOR CLUB, CLASSIC CLUB AND PLATINUM CLUB SUBSCRIBERS ONLY 

1 All participants must be resident in South Africa and be over the age of 18 years.

2 There will be 3 winners, randomly selected each month. The cash prizes are as follows: 1 × R30 000, 1 × R15 000,
1 × R5 000.

3 Cash winners will be contacted telephonically for their banking details, and their prize will be paid into their bank account. If we cannot contact a cash winner after two attempts have been made to reach him/her, and either the call is not answered or the call goes directly to voicemail, the prize will be forfeited and a new winner will be redrawn. A full list of winners is available from the 2nd Floor, Parow Shopping Centre, Voortrekker Road, Parow East, Cape Town. 

CLUB X, CLUB BURSARIES AND KIDS SUPERCLUB SCHOOL FEE CONTRIBUTIONS TERMS AND CONDITIONS

For terms and conditions relating to ClubX, Club and Kids Superclub bursaries and school  fee contributions, please go to tfgclubmagazine.co.za or refer to the relevant magazine for  more details.

Avoid unclaimed prizes. Simply update your postal address and contact details with TFG. Contact 0860 834 834.
Where Club magazine is taken up by RCS customers, update your contact details with the RCS call centre on 0861 729 727.

FOR TERMS AND CONDITIONS FOR ALL OTHER SUBSCRIBERS, PLEASE CONTACT US ON 021 938 1621.

 

IF YOU SUBSCRIBED TO CLUB ON OR AFTER 7 MARCH 2021 THE BELOW POLICY & DISCLOSURE NOTICE APPLIES

 IF YOU SUBSCRIBED TO CLUB ON OR AFTER 7 MARCH 2021 THE BELOW POLICY & DISCLOSURE NOTICE APPLIESS

POLICY AND DISCLOSURE NOTICE FOR THE LIFE INSURANCE BENEFITS WHICH FORM PART OF THE OPTIONAL CLUB PRODUCT (“the/this Policy”)

This is a life insurance Policy.

This document sets out the terms and conditions of the insurance benefits which form part of Your Club 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 subscription is optional. This means that, when you subscribe to Club 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.

You must read this Policy carefully so that You understand when the Insurer will approve a Claim.

DEFINITIONS

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 Amount means the monthly amount which You pay for Your Club 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 Life Limited (registration number 1999/013922/06 and FSP number 76), a licensed 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 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, 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;

Unclaimed Benefit means a benefit in terms of an approved Claim where the Benefit can’t be paid to the Beneficiary within 3 (three) months of the Claim having been approved because the Beneficiary is not contactable. In other words, the Beneficiary cannot be located, his/her emails are undelivered, his/her post is returned to Us and/or his/her contact number is no longer in use;

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. 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 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 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 R2 000 (two thousand rand) to Your nominated Beneficiary.

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 R1 500 (one thousand five hundred rand). 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.

4. Premium

4.1 The Premium is R0.98 per month and is included in the Club Amount.

4.2 The monthly Premium for the Death Benefit is R0.68, which is included in the Club Amount. The monthly premium for the Account Settlement Benefit is R0.30, which is included in the Club 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 R0.30
Commission payable to TFG in relation to the Policy R0.00
Premium payable R0.30

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 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 increased at any time during a 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 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 The amount equal to the Club Amount will be debited to Your TFG Account (and We will pay the Premium to the Insurer) even if Your TFG account has a zero or positive (credit) balance.

5. How to claim

A Claim must be made in writing within 3 (three) months after the Claim Event for both unnatural death and 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.

Unclaimed Benefit

If the Death Benefit under this Policy is an Unclaimed Benefit, We will take action to determine if the Beneficiary is alive and/or aware of the Benefit payable to him/her under this Policy. Specifically, in the 3 (three) year period after the Unclaimed Benefit arises, We will:

  • attempt to contact the Beneficiary telephonically and electronically to advise them of the Unclaimed Benefit; or
  • determine the last known contact information of the Beneficiary by comparing internal and external databases, including the use of internet search engines and/or social media; or
  • appoint an external tracing company to locate the Beneficiary.

 

Before the end of the 3 (three) year period referred to above, We will confirm the Unclaimed Benefit and transfer the amount of the Unclaimed Benefit to an account in the name of the Insurer, and the Insurer will accept liability for the Unclaimed Benefit.

We will deduct any administrative and tracing costs from the Unclaimed Benefit payable.

Repudiation

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.

Please contact TFG’s Insurance Claims Department for a copy of TFG’s Claims Management Framework. The telephone number is 0860 000 388.

Complaints

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 Long-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 The Insurer may immediately cancel this Policy or place it on hold, refuse any transaction or instructions, or take any other action considered necessary in order to comply with the law and prevent or stop any undesirable or criminal activity.

6.4 You may cancel Your Club 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 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 Amount on one occasion, We do not have to give You extra time to pay the Club 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;

12.4.4 reporting to the relevant regulatory authority/body, in terms of the Applicable Laws; and

12.4.5 to carry out the activities referenced at clause 5 above in relation to an Unclaimed Benefit.

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.

Disclosure Notice

Long-term Insurance Policyholder Protection Rules 2017 (PPRs)

Financial Advisory and Intermediary Services (FAIS) General Code of Conduct 2003

Your Intermediary

Business Name: Foschini Retail Group (Pty) Ltd

Registration number: 1988/007302/07

Physical address: Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500

Postal address: P O Box 6020, Parow East, 7501

Telephone: 0860 834 834

Email address: [email protected]

Website: www.tfg.co.za and/or www.tfginsurance.co.za

FAIS registration (FSP No): 32719

In terms of the FSP license, Foschini Retail Group (Pty) Ltd is authorised to provide intermediary services for products under Long-term Insurance Category B1.

Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, Foschini Retail Group (Pty) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly.

TFG is committed to combating money-laundering and terrorist finance as required by the Financial Intelligence Centre Act 38 of 2001, as amended. As such, you are required to inform us if you are a domestic prominent influential person (DPIP) or foreign prominent public official (FPIP) as defined in said Act. If your status changes (I.e. you become a DPIP or FPIP after taking up this Policy, you are also required to keep TFG informed.

Legal and contractual relationship with the Insurer: Foschini Retail Group (Pty) Ltd is an authorised financial services provider and registered credit provider in terms of the National Credit Act (NCRCP#36). Foschini Retail Group (Pty) Ltd performs services as an intermediary and binder holder under the Long-Term Insurance Act, the Financial Advisory and Intermediary Services Act and its Regulations, entering into Long-Term policies. It has an agreement with Guardrisk, a cell captive insurer, and has the necessary mandates to act on behalf of Guardrisk and acts in accordance with the mandate which is in place.

Professional Indemnity Cover: Foschini Retail Group (Pty) Ltd holds Professional Indemnity insurance cover.

Claims Procedure including prescription period: please contact Foschini Retail Group (Pty) Ltd’s Insurance Claims Department for a copy of Foschini Retail Group (Pty) Ltd’s Claims Management Framework.

Complaints Procedures: If you have a complaint, or if you would like a copy of the Foschini Retail Group (Pty) Ltd’s Complaints Management Framework, kindly visit our website, call Customer Services on 0860 834 834 or email us at [email protected]

For all complaints, please first address your complaint with us, the Administrator, as we would like to try and resolve it. If we have not been able to assist satisfactorily, then you may elevate your complaint to Guardrisk. See below for Guardrisk’s full contact details.

If the complaint to Guardrisk is not resolved to your satisfaction, you may submit the insurance complaint to the Industry Regulators, whose details appear below.

Compliance Officer: external compliance officer – Nadia Verappen, telephone number 087 897 6970.

Conflict of Interest: please call Customer Services on 0860 834 834 for a copy of Foschini Retail Group (Pty) Ltd’s Conflict of Interests Policy.

Your Insurer

Business Name: Guardrisk Life Limited

Registration number: 1999/013922/06

Physical address: The Marc, Tower 2, 129 Rivonia Road, Sandton, 2196

Postal address: PO Box 786015, Sandton, 2146

Telephone: +27-11-669-1000

Web: www.guardrisk.co.za

FAIS registration: FSP 76

In terms of the FSP license, Guardrisk Life Limited is authorised to give advice and render financial services for products under:

CATEGORY I:

  • Long-term Insurance : Category A
  • Long-term Insurance : Category B1
  • Long-term Insurance: Category B1-A
  • Long-term Insurance : Category B2
  • Long-term Insurance: Category B2-A
  • Long-term Insurance : Category C

Professional Indemnity and/or Fidelity Cover:

Guardrisk has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.

Compliance Details

Telephone: +27-11-669-1104

Fax Number: +27-11-675-3826

Email: [email protected]

Complaints Details

Telephone: 0860 333 361

Email: [email protected]

Website: www.guardrisk.co.za

Conflict of Interest :

Guardrisk Life Limited has a conflict of interest management policy in place and is available to clients on the website.

Policy Wording

A copy of the policy wording can be obtained from Foschini Retail Group (Pty) Ltd’s website (details above).

Policy details

The Policy document and Welcome Letter detail the type of policy, risk covered and the policy benefits.

Premiums

The Policy document and Welcome Letter detail the frequency of premium payments and the amount which is due. The Policy document and Welcome Letter also detail the manner of payment of the premiums, their due date and consequences of non-payment.

Fees

There are no fees payable under this policy.

Other matters of importance

You will be informed of any material changes to the information about the intermediary, insurer and or underwriter provided above.

If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance.

You will always be given a reason for the repudiation of your claim.

If the insurer wishes to cancel your policy, the insurer will give you 31 days’ written notice, to your last known address.

You will always be entitled to a copy of your policy at no charge.

Warning

Do not sign any blank or partially completed application form.

Complete all forms in ink.

Keep notes of what is said to you and all documents handed to you.

Where applicable, call recordings will be made available to you.

Don’t be pressurised to buy the product. You have the right to refuse the offer of this insurance.

Failure to provide correct or full relevant information may influence an insurer on any claims arising from your contract of insurance.

Waiver of Rights

No insurer and/or intermediary may request or induce in any manner a client to waive any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.

Particulars of the Long Term Ombudsman

(For claims/service related matters)

Postal address: Private Bag X45, Claremont, Cape Town, 7700

Telephone: +27-21- 657- 5000 / 0860 103 236

Fax number: +27-21- 674- 0951

Email address: [email protected]

Particulars of the Registrar of Long Term Insurance

Postal address: PO Box 35655, Menlo Park, 0102

Telephone: +27-12- 428-8000

Fax number: +27- 12- 347- 0221

Email address: [email protected]

Particulars of FAIS Ombudsman

(For product related matters)

Postal Address: PO Box 74571, Lynnwood Ridge, 0040

Telephone: +27- 12- 470- 9080

Fax number: +27- 12- 348- 3447

Email address: [email protected]

Particulars of the Information Regulator

(For personal information related matters)

Postal Address: PO Box 31533, Braamfontein, Johannesburg, 2017

Telephone: +27- 010- 023- 5200

Cell number: +27- 082- 746- 4173

Email address: [email protected]

Version: 02/11/2020

IF YOU SUBSCRIBED TO CLUB BEFORE 7 MARCH 2021 THE FOLLOWING POLICY & DISCLOSURE NOTICE APPLIES 

POLICY AND DISCLOSURE NOTICE FOR THE NON-LIFE INSURANCE BENEFITS WHICH FORM PART OF THE OPTIONAL CLUB 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 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 subscription is optional. This means that, when you subscribe to Club 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.

You must read this Policy carefully so that You understand when the Insurer will approve a Claim.

DEFINITIONS

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 Amount means the monthly amount which You pay for Your Club 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 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, 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. 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 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 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 R2 000.00 (two thousand rand) to Your nominated Beneficiary.

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 R1 500.00 (one thousand five hundred rand). 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. Premium

4.1 The Premium is R0.98 per month and is included in the Club Amount.

4.2 The monthly Premium for the Death Benefit is R0.68, which is included in the Club Amount. The monthly premium for the Account Settlement Benefit is R0.30, which is included in the Club 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 R0.30
Commission payable to TFG in relation to the Policy R0.00
Premium payable R0.30

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 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 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 prior to 1 August 2014: Where You elect not to be charged the Club 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 cover and benefits will automatically start again.

4.7 If You subscribed to Club on 1 August 2014 or thereafter: the Club 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.

Repudiation

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.

Complaints

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 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 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 Amount on one occasion, We do not have to give You extra time to pay the Club 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.

 

Disclosure Notice

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]

Version: 23/11/2020

 

POLICY & DISCLOSURE NOTICE FOR THE SHORT-TERM INSURANCE BENEFIT WHICH FORMS PART OF THE OPTIONAL CLUB PRODUCT FOR NAMIBIAN POLICYHOLDERS

1. INSURER: This policy is underwritten by Alexander Forbes Insurance Company Namibia Limited, Reg. 2003/374 (“the Insurer”).

2. NAME, CLASS OR TYPE OF POLICY INVOLVED: Short-term insurance: accidental death benefit

3. INTERMEDIARY: Fashion Retailers (Pty) Ltd, Reg. 821 (“Foschini”) or (“TFG”).

4. DEFINITIONS:

a. CLAIM: means, unless the context indicates otherwise, a demand for a policy benefit by a Claimant, irrespective of whether or not the Claimant’s demand is valid, made by submitting a completed claim form with supporting documents to TFG;

b. CLAIM EVENT: means the death of the Insured, caused by accidental, violent, external and visible means, during the currency of the Credit Facility and this policy;

c. CLAIMANT: means a person who makes a Claim in relation to this policy;

d. CREDIT FACILITY: means the TFG store account held in the name of the Insured;

e. CREDIT LIMIT: means the maximum approved amount of credit in terms of the Insured’s TFG Credit Facility

f. EXCLUSIONS: means losses or risks not covered by this policy, and “EXCLUSION” has a corresponding meaning;

g. INSURED (“YOU”): means the TFG consumer named in the Credit Facility and who has chosen to take out a Club magazine subscription, whose death is caused by accidental, violent, external and visible means and to whom the Club insurance benefit relates;

h. NOMINATED BENEFICIARY: means a person nominated by the Insured as the person in respect of whom the Insurer should meet the benefit under this policy, when applicable;

i. REPUDIATE: means any action in relation to a Claim, 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

i. In respect of a loss event or risk not covered by this policy; and

ii. In respect of a loss event or risk covered by this policy, but the premium or premiums payable in respect of this policy are not paid;

And “REPUDIATION” shall have a corresponding meaning;

j. 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 the policy,

and “VARIED” has a corresponding meaning.

5. OPERATIVE CLAUSE: Subject to the terms, Exclusions and conditions (whether precedent or otherwise) and in consideration of, and conditional upon, the payment of the amount by or on behalf of the Insured and receipt thereof by or on behalf of the Insurer, the Insurer agrees to compensate the Insured by payment of the benefit in respect of a Claim Event occurring during the period of insurance up to the sums insured, limit of indemnity, compensation and other amounts specified.

6. BENEFIT PAYABLE: DEATH BENEFIT In the event of the death of the Insured, caused by accidental, violent, external and visible means, during the currency of the Credit Facility, the Insurer will pay an amount of N$9 000.00 to the Nominated Beneficiary.

7. GENERAL EXCLUSIONS APPLICABLE TO THE INSURANCE BENEFIT WHICH FORMS PART OF CLUB:1. The Insurer shall not be liable in the event that the Insured’s death is related to or caused by:

1.1 War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) or civil war;

1.2 (a) Mutiny, military rising, military or usurped power, 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 military or usurped power; (b) Insurrection, rebellion or revolution;

1.3 Any act (whether on behalf of any organisation, body or person, or group of persons) calculated or directed to overthrow or influence any State or Government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence;

1.4 Any attempt to perform any act referred to in clause 1.3 above;

1.5 The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to in clauses 1.1 to 1.4 above.

1.6 Death caused by natural causes.

If the Insurer alleges that by reason of clauses 1.1 to 1.6 of this Exclusion, the death of the Insured is not covered by this policy, the burden of proving the contrary shall rest on the Insured. 2. This policy does not cover

(a) any consequential loss; (b) any legal liability of whatsoever nature directly or indirectly caused by or arising from ionising, radiation or contamination by radio activity from any nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this Exclusion only, combustion shall include the self-sustaining process of nuclear fission.

3. The indemnity provided by this policy shall not apply to nor include any loss directly or indirectly caused by or contributed to by or arising from nuclear weapons material. 4. The Insurer shall not be liable in respect of death arising directly or indirectly from:

(a) the Insured being affected (temporarily or otherwise) by alcohol, drugs or insanity; (b) the Insured committing or attempting to commit suicide or wilful self-injury; (c) war, invasion, riot, civil commotion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, mutiny, revolution, insurrection or military or usurped power; (d) any bodily injury or illness / sickness which has its origin prior to the coming into effect of this policy.

5. The cover afforded by this policy shall end as provided for under the heading “Club Amount”.

8. CLUB AMOUNT: a) The amount for Club is billed monthly, is payable in advance and cover/ protection endures for a period of one month from the date of billing. b) The amount payable is specified in the Credit Facility statement of account. c) The monthly premium for the death benefit is N$1.27 (including VAT at 15%). The premium is charged once every month and is included in the amount for Club. TFG will pay the premium to the Insurer on the Insured’s behalf every month. TFG will recover the premium which it pays to the Insurer every month from the Insured by debiting an amount equal to the Club amount (which includes the premium paid on the Insured’s behalf) from the Insured’s Credit Facility every month. This debit will show on the Insured’s Credit Facility statement every month. d) The amount for Club is subject to review at any time during a calendar year on notice to the Insured. The increased amount will be charged to the Insured’s credit facility from the date of the increase. e) The terms and conditions for the Credit Facility 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 amount will attract interest when the Insured’s TFG Credit Facility payment plan attracts interest, at the same rate applicable to the TFG Credit Facility’s payment plan, and TFG will keep that interest. f) If you took out Club before 1 August 2014 and have not accepted the terms to be billed where no balance exists: where no premium has been billed, no cover /protection will be in force. If your credit facility has a balance of zero or a credit balance, the premium will not be billed and cover/protection will end. If you took out Club on or after 1 August 2014: the premium will be billed whether the credit facility has a debit balance, a balance of zero or a credit balance and cover /protection will be in force regardless of the balance.

9. CESSATION OF COVER: a) This policy will suspend (the Insured will not have cover for the death benefit and the Insured will not be billed the amount for Club) when:

9.1 The Insured has not paid the monthly amount required by TFG on his/her TFG credit facility for 2 (two) consecutive months. The Insured may contact TFG’s customer services on +27 860 834 834 if he/she would like to know what this amount is. TFG will notify the Insured in writing when he/she has not paid this amount; 9.2 The Insured is under administration as provided for in the Magistrates’ Courts Act 32 of 1944; 9.3 The Insured becomes insolvent as provided for in the Insolvency Act 24 of 1936; 9.4 The Insured reaches his/her Credit Limit.

d) As soon as any of the circumstances listed above at 9.1 to 9.4 come to an end or no longer apply, the benefit under this policy will reinstate automatically. e) The circumstances listed above at 9.1 to 9.4 will be assessed every month when the amount for Club is billed to the Credit Facility. f) The benefit under this policy shall end immediately on the cancellation of the policy (see clause 13 below) or on the termination of the Credit Facility.

10. CLAIMS NOTIFICATION PROCEDURE: All Claims under this policy must be made in writing with supporting documentation and be received by TFG within 3 (three) months of the Claim Event. The Claimant/Nominated Beneficiary can approach any TFG store and request a claim form or download a claim form on TFG’s website at www.tfginsurance.co.za. The Claimant can also contact the Insurance Claims Department and request a claim form to be sent to him/her (the contact details are further down in this clause). The Claimant can notify TFG of a claim by clicking on the claims notification tab on TFG’s 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 the closest TFG store and hand in the fully completed and signed claim form with the documents listed below. TFG will only deal with the Nominated Beneficiary or an authorised representative acting on behalf of the Nominated Beneficiary. The Claimant must take the following documents to the TFG store:

• A certified copy of the Insured’s death certificate; • A certified copy of the Insured’s identity document; • A certified copy of the Nominated Beneficiary’s identity document; and • Any other documents or information that TFG may require, including affidavits as detailed on the claim form.

The TFG store staff will email the claim documents to TFG’s Insurance Claims Department. Contact details for the Insurance Claims Department are:

• fax number: +27 21 937 5274 • email: [email protected] • sharecall number: +27 860 000 388

Please contact TFG’s Insurance Claims Department for a copy of TFG’s Claims Management Framework. The Insurer shall be entitled to request any doctor or other person who may be in possession of, or hereafter acquires, any information concerning the health of the Insured during the currency of the policy, to disclose such information to the Insurer, and such entitlement shall remain in force after the death of the Insured as well as prior thereto. Where the Insured/Claimant disputes the Insurer’s Repudiation of her/his Claim (which TFG does on behalf of the Insurer), the Insured/Claimant has 90 (ninety) days from the date of receipt of the Repudiation letter to make representations (in writing) to the Insurer in respect of this decision. If the dispute is not resolved at the end of this period then the Insured/Claimant must within a further 6 (six) months institute legal action by way of the service of summons against the Insurer, failing which the Insured/Claimant will forfeit her/his Claim and no liability can arise in terms of such 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 the Insurer and the Insured/Claimant, or subject to arbitration, or is a claim for sums of money for which the Insured may become liable. Notification of all Claims under this policy shall be made to the Insurer by TFG on behalf of the Insured. All Claims under this policy must be made in writing. TFG shall furnish to the Insurer such proof as they have been able to obtain from the Nominated Beneficiary/Claimant relating to such Claim. A Claim will not be payable by the Insurer, if the conditions set out in this clause are not complied with.

11. MISREPRESENTATION: This policy shall be voidable in the event of any relevant misrepresentation, fraud, misdescription or non-disclosure.

12. CONDITION PRECEDENT: The Insured shall not be entitled to the benefit under this policy unless all the conditions hereof have been complied with.

13. CANCELLATION: Club may be cancelled by the Insured at any time, or by TFG or the Insurer by giving one months’ notice to the Insured to her/his last known address. On receipt of such notice of cancellation by the Insurer, TFG shall notify the Insured.

14. VALUE ADDED TAX: All sums insured, amounts and limits reflected in this policy and Foschini Credit Facility statements of account are inclusive of Value – Added tax (VAT). VAT is calculated at 15%.

15. TREATING CUSTOMERS FAIRLY: TFG has created a superior solution – encompassing products, processing and service – tailored to each customers’ requirements. TFG will, at all times, deliver a superior customer experience, simplifying and improving its customers’ lives.  TFG will achieve this through a motivated team of skilled people, absolute fairness in its treatment of its 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. • TFG is not licensed to give advice. Queries regarding advice must be referred to the Insurer. • TFG’s products and services meet your standards and are of an acceptable level • There are no barriers to access TFG’s services or to lodge any complaints.

16. DISCLOSURE DETAILS FOR THE INSURANCE BENEFIT WHICH FORMS PART OF CLUB:The Insurer is: Alexander Forbes Insurance Company Namibia Limited, Reg. 2003/374 Corner of Independence Avenue and Fidel Castro Street, Windhoek, Namibia Tel: +264 61 270 4700 Fax: +264 61 270 4732 Company registration number: 2003/374 Compliance officer: +264 61 293 7086 NAMFISA registration number: 06/PI/ST/15

The Intermediary: Fashion Retailers (Pty) Ltd, Reg. 821 (“TFG”) 24 Orban Street, Klein Windhoek, Namibia P O Box 30, Windhoek, Namibia Tel: +27 860 834 834 Fax +27 21 937 5284

Legal status: Fashion Retailers (Pty) Ltd is a company incorporated in terms of Namibian company legislation and has an agency agreement with Alexander Forbes Insurance Company Namibia Limited. For queries regarding insurance complaints or for a copy of TFG’s Complaints Resolution Policy, please contact Customer Services on +27 860 834 834.

Commission on Insurance portion: No commission is received.

Important – please read carefully As a short-term insurance policyholder, or prospective policyholder, you have the right to the following information:

1. Matters of importance • You must be informed of any material changes to the information relating to the insurer and the intermediary.

• If material information was given verbally, it must be confirmed in writing within 30 days. • If any complaint to the intermediary or insurer is not resolved to your satisfaction, you may submit the complaint to the Namibia Financial Institutions Supervisory Authority.

• The insurer and not the intermediary must give reasons for repudiating your claim. 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.

• The insurer may not cancel your insurance merely by informing your intermediary. There is an obligation to make sure the cancellation notice has been sent to you.

• You are entitled to a copy of the policy free of charge. Club is an optional product, which means it is your choice whether or not to take it up.

2. Warning

• Do not sign any blank or partially completed application form.

• Complete all forms in ink.

• Keep all documents handed to you.

• Make a note as to what is said to you.

• Don’t be pressurised to take up Club; this is an optional and additional product.

• You have the right to reject the offer of Club. It is your choice.

• Incorrect or non-disclosure by you of relevant facts may influence the insurer on any claims arising from your contract of insurance.

17. PARTICULARS OF REGULATOR WHO IS AVAILABLE TO ADVISE YOU IN THE EVENT OF COMPLAINTS THAT ARE NOT SATISFACTORILY RESOLVED BY THE INTERMEDIARY AND/OR THE INSURER: Namibia Financial Institutions Supervisory Authority (“NAMFISA”) 154 Independence Avenue, Sanlam Centre, 8th Floor, Windhoek, Namibia P O Box 21250, Windhoek, Namibia Tel: +264 61 290 5000; Fax: +264 61 290 5194 Email: [email protected] 16 11 2020

 

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