Vodacom

Vodacom Merchant Agreement

INTRODUCTION
1. VPS, ('VPS'), and the Merchant wish to enter into the following Agreement for the purposes of enabling the Merchant to accept card and EFT payments at their respective establishments with the use of a either a VPS' Point of Sale Devices, QR Code or an E-commerce/Website channel.
2. This Agreement contains important information about the rights and obligations relating to the Merchant and VPS in respect of the Acquiring Services and products delivered by VPS. A copy of the Service terms and conditions are available on VPS' website and can be obtained by email at the Merchant's request. It is the Merchant's duty to speak to or contact VPS if they do not understand any part of the terms and conditions prior to entering into this Agreement
3. This Agreement creates a legal relationship between the Merchant and VPS.
4. The parties wish to record the terms and conditions applicable to both the card payment and EFT facilities offered by VPS to the Merchant and the rental of the equipment from VPS by the Merchant.
5. In its role as a Payment Facilitator, VPS has entered into agreements with the Associations, the Acquiring Bank and the Third Party Service Providers.
6. The Associations and PASA require that the Merchant, VPS and the Acquiring Bank comply with the Card Processing Rules as provided by the Associations and PASA, which may be amended from time to time. By entering into this Agreement, the Merchant agrees to be bound, at all times, to this Agreement and the Card Processing Rules.
7. In terms of the Merchant's relationship with VPS, the Merchant agrees that :
  1. The Merchant is not in partnership with VPS; and
  2. The Merchant has no right or ability to bind VPS or incur any obligations on VPS' behalf.
DEFINITIONS AND INTERPRETATION
1. The following terms have the following meanings, namely:
  1. Acquiring Bank or Acquirer means Nedbank Limited with registration number 1951/000009/06 which VPS is registered with as a Payment Facilitator to provide the Services contemplated by this Agreement;
  2. Activation Date means the date the Merchant is activated to use the Service;
  3. Agreement means this written agreement and all annexures and schedules to this Agreement;
  4. Amex means American Express, a financial services corporation;
  5. Applicable Laws means all applicable laws, rules, codes, regulations, and formal regulatory guidelines and standards, made by a Regulator, legislature or other public authority with binding effect in force from time to time (construed having regard to related guidance and codes of practice issued or approved by a Regulator or other public body) and applicable to a Party and relevant to this Agreement;
  6. Application Process means a process where the Merchant provides VPS with all the required information to access the Services through:
    1. a process facilitated by an authorised representative of VPS; or
    2. a self-service process available to the Merchant on the URL www.vodacom.co.za;
  7. Association Rules means the by-laws, rules, and regulations published and updated by the Associations from time to time;
  8. Associations mean the card associations supported by the Acquiring Banks from time to time for the purposes of processing Transactions which includes but are not limited to MasterCard, Visa, Amex and Diners;
  9. Authorise or Authorisation means the process whereby the Merchant transmits a message to VPS and VPS in turn requests the Issuing Bank to approve the Payment Instruction;
  10. Authorised Person means the person nominated during the Application Process as the primary person responsible for managing the Merchant Account;
  11. Business Day or Business Days means any day other than a Saturday, Sunday or a public holiday recognised as such under the Public Holidays Act 26 of 1994 as amended from time to time;
  12. Budget Transaction or Budget Transactions means a Transaction where the Issuing Bank authorises the Customer to make a payment over an extended period;
  13. Calendar Month means each of the twelve named periods into which a year is divided, commencing on the 1st day of that month and ending on the last day i.e. the 28th; 29th; 30th or 31st day as the case may be;
  14. Card means any of the cards supported by the Associations from time to time for the purposes of processing Transactions;
  15. Cardholder means the person or entity in whose name a Card is issued by an Issuing Bank;
  16. Card Not Present Transaction or Card Not Present Transactions or CNP Transaction or CNP Transactions means a Transaction which takes place without a physical Card being presented to the Merchant by the Customer;
  17. CAVV means Customer Authentication Verification Value, the last 3 (three) digit number on the back of a Card;
  18. CVV or Card Verification Value means the last 3 (three) digit number printed on the reverse of a Card;
  19. Change of Control means, in relation to a Party ("the first party"), any event which results in a third party acquiring, or having the potential or right to acquire, the direct or indirect Control of the first party (but excluding any event which results in a third party acquiring, or having the potential or right to acquire, Control of a parent company having direct or indirect Control of the first party where such parent company has all of its equity shares listed on a recognised stock exchange). For the purposes only of this definition, references in the definition of "Control" shall be deemed to be references to 30%;
  20. Control in relation to any party, means (i) the holding or beneficial ownership of 30% or more of the ordinary shares (or other like instruments) in that party's issued share capital (or like ownership structure), or the holding of a participation interest of 30% or more in that party where it is unincorporated; (ii) the right or ability to direct or otherwise control or exercise 30% or more of the voting rights attaching to that party's issued ordinary shares (or other like instruments), or the right or ability to direct or otherwise control or exercise the voting rights attaching to a participation interest of 30% or more in that party; (iii) the right or ability to appoint or remove 30% or more of the board of directors of that party (or such other body legally representing such party) or to appoint or remove individuals able to exercise 30% or more of the votes exercisable at the meetings of board of directors of such party; (iv) the right or ability to direct or generally manage, or to cause the direction or general management of, the affairs of such party; or (v) the ability to otherwise materially influence the policy of an entity in a manner comparable to a person who, in ordinary commercial practice, can exercise an element of control referred to in (i) through (iv) above, and "Controls" and "Controlled" shall have corresponding meanings;
  21. Chargeback means a procedure where an Issuing Bank charges a Transaction back to the Acquiring Bank and subsequently debits the Merchant in accordance with the Association rules;
  22. Compatible Device means the device(s) as outlined on the Website, and include all devices used to facilitate and provide the Services, including the POS device, QR Code and E-commerce facilities;
  23. Cooling Off Period means a period of 5 (five) Business Days from the Effective Date;
  24. Confidential Information means, in relation to a party, any information of a confidential and/or commercially sensitive nature, howsoever obtained or received and whether or not marked confidential, including (i) all records, files, analysis, documents, software, computer or electronic data disks or tapes, test data, printouts, processes, designs, file layout, technical bulletins, manuals, diagrams, formulas, research, inventions, patents and discoveries reasonably related to the Parties' businesses or products and services of the Parties that have not been publicly released, (ii) technical, financial, business plan or customer information, including standard periodic financial statements and analyses, budgets, tax returns, benefit and compensation plans, customer list(s) and contact names, functional and technical specifications; and (iii) other valuable information disclosed by one of the Parties to the other, in whatever form;
  25. Customer means the consumer making a purchase from the Merchant by using the Service;
  26. CVC or CVC 2 means Card Verification Check;
  27. Data Compromise means any actual or suspected breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Transaction Data transmitted, stored or otherwise processed;
  28. Diners or Diners Club means Diners Club International, a financial services corporation;
  29. E-commerce means electronic commerce and includes a transaction performed through electronic media in a non-face-to-face environment;
  30. Effective Date means the date on which this Agreement is accepted by the Merchant;
  31. EFT or Electronic Funds Transfer means the electronic transfer of money from the Customer' bank account into the Merchant's Merchant Account;
  32. EFT Confirmation means the automated notification of payment generated by the Customer's bank and notified to the Merchant via the VPS' Payment Gateway upon completion of an EFT by the Merchant's Customer;
  33. EFT Transaction means an assisted EFT which is an EFT facilitated by OZOW;
  34. eReceipt means an electronic confirmation of a Transaction processed by the Merchant, recording the date, Merchant name, Merchant location, PAN, amount and reference number, sent by SMS or email to the Merchant and the Customer;
  35. Excessive Authorisation Attempts means each Authorisation: (i) after 20 (twenty) previously declined Authorisations attempts; (ii) made on the same Card; (iii) made at the same Merchant; and (iv) made within a 24 (twenty-four) hour period, as amended from time to time;
  36. Fees means Merchant Commission Fee, Chargeback Fees and any ad hoc Fees charged by VPS from time to time;
  37. Fee Schedule means the Fees agreed to during the Application Process which VPS will charge the Merchant for the Services as sent to the Merchant by VPS;
  38. FICA Documentation means all documentation requested by VPS from the Merchant to enable VPS to comply with its contractual obligations to the Acquiring Bank and to enable the Acquiring Bank to comply with its obligations in terms of the Financial Intelligence Centre Act, No. 38 of 2001;
  39. Fraudulent Transaction means: any transaction that constitutes fraud under the law and/or common law (irrespective of whether or not the Card or EFT Transaction was Authorised or whether or not an Authorisation code number was provided to the Merchant by Vodacom); a Transaction that is processed using a Customer's financial detail, account information or Payment Instrument which is not authorised by the Customer; or the use of a card which has not been issued by a genuine Card issuer;
  40. Force Majeure means any circumstance not within a Party's reasonable control including acts of God, flood, drought, earthquake or other natural disaster, an event of fire, lightning, explosion, flood, hurricane, act of God, war, terrorism, civil disorder, epidemics, plagues, any labour or trade dispute, strikes, industrial action or lockouts (other than in each case by the Party seeking to rely on this clause) provided in all cases that the Affected Party has taken all steps and precautions which could reasonably be expected for it to have taken in order to prevent such act or event occurring and in order to mitigate and minimise the effects of the event;
  41. Harmful Code means "viruses", "Trojan horses", ransom ware, malware, and spyware, and computer code, instructions, devices or other materials that (i) are designed to disrupt, disable, harm or otherwise impede in any manner, including aesthetic disruptions or distortions, the operation or use of the VPS Infrastructure or Merchants Portal, or (ii) would disable the whole or any part of the VPS Infrastructure or Merchants Portal, or impair in any way their operation or use including based on the elapsing of a period of time, on exceeding the authorised number of copies, or on advancement to particular date or other numeral; or (iii) would permit an unauthorised party to access the VPS Infrastructure or Merchants Portal to cause such disablement or impairment, or (iv) contains any other similar harmful, malicious or hidden procedures, routines or mechanisms; or (iv) can cause or allow unauthorised damage or access to, interference with, or loss, theft, destruction or corruption of, VPS Infrastructure or Merchants Portal;
  42. Infrastructure means information technology and telecommunications infrastructure and systems, including computer and telecommunications networks, equipment, hardware, software, middleware, firmware, data, databases, peripherals, terminals and components;
  43. Invalid Transaction means a Transaction which arises as a result of the following (irrespective of whether or not the card or EFT Transaction was Authorised or whether or not an Authorisation code number or EFT Confirmation was provided to the Merchant by VPS):
    1. an act and/or omission by the Merchant and/or the Merchant's employees which results in a loss or Chargeback;
    2. the use of a Payment Instrument or EFT by a person other than the lawful Customer;
    3. processing a Transaction without VPS' prior Authorisation;
    4. a Transaction where the date of the Transaction is earlier than the start date shown on the Card;
    5. accepting Cards which are: defaced; blank; illegible or Cards from which the embossed legends are not readable or legible;
    6. accepting a Card which has expired;
    7. accepting a Card, EFT or Payment Instrument for any purpose other than current Transactions;
    8. duplicating a Transaction;
    9. a Transaction for which the Merchant do not have a corresponding Receipt or eReceipt;
    10. a Transaction for which the Receipt is illegible;
    11. a Transaction for which the Receipt or eReceipt is materially incomplete or different from the Receipt or eReceipt provided to the Customer;
    12. a Transaction for which the Merchant launder Receipts or eReceipts;
    13. a Transaction which does not comply with the obligations set out in the Association and / or PASA Rules;
    14. a Transaction for which the goods or services were not delivered within the agreed period or at all;
    15. a Transaction where the supply of goods and/or services is for any reason illegal;
    16. a Transaction which was performed by the Merchant's employee(s) not authorised to do so; or
    17. a Transaction which occurred as a result of an error on the Merchant or the Merchant's employee(s) or part;
    18. a Fraudulent Transaction; or
    19. accepting a Payment Instrument from the Merchant or the Merchant's Authorised Representative in respect of any type of Transaction for any reason other than the valid supply of goods and/or services, which shall be evidenced upon request by VPS;
    20. Should a Transaction be regarded as an Invalid Transaction or incomplete, VPS has the right to charge each such Invalid Transaction or incomplete Transaction back to the Merchant and the Merchant will be held liable for all losses incurred as a result of the Invalid Transaction or incomplete Transaction. VPS further has the right to immediately terminate the Agreement;
  44. Intellectual Property means all intellectual property rights of whatever nature (whether registered or unregistered) including, without limitation, all rights of copyright; compilations, collections and databases; computer programs (including the source and object code thereof); mask works, invention rights, patents; trademarks; designs; know-how; trade secrets, internet domain names and/or web site addresses; applications for registration of any of the foregoing and the right to apply for registration, and all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world;
  45. Issuing Bank means a bank that issues Cards as well as the bank where a Customer's EFT is initiated;
  46. Materials means all products, goods, software, documentation, literature, materials, tools, data, information, databases, modules, components, compilations of data, methodologies, processes, policies, procedures, techniques, models, configurations, mobile content, protocols, routines, interfaces (including API interfaces), reports, plans, notes, files, decoders, adaptors, diagrams, manuals, templates, schematics, correspondence, designs, circuit designs, algorithms, specifications, records, handsets, devices, equipment, hardware, servers, computers, platforms, computer code, derivative works, works of authorship, technology and intellectual property, and irrespective of the form and format of the foregoing and whether tangible or intangible;
  47. Merchant means the entity that will utilize the Service and form the counterparty to the Agreement;
  48. Merchant Bank Account means the Merchant's account that with a South African Bank;
  49. Merchant CommissionFee means the fee charged by VPS for processing the Merchant's transaction and is calculated as a percentage of the value of the transaction and is quoted excluding VAT as set out in the Fee Schedule;
  50. Merchant Portal means the VPS Website that the Merchant can access, among other things, to check Transactions and access reports;
  51. Merchant Account means a profile created by VPS on the Merchant Portal;
  52. Merchant Website means pages on the internet belonging to the Merchant and holding the Merchant's information;
  53. Net Settlement Funds means the balance after all Fees have been deducted from the Settlement Fees received on a Business Day;
  54. Nominal Amount Authorisation means any approved Card Not Present Transaction, Authorised for a nominal amount, equal to or less than 1 (one) ZAR (Rand) (or an equivalent single unit of currency, if the Transaction currency is not ZAR (Rand)), with a subsequent reversal;
  55. Ozow means i-Pay Secure Payments Proprietary Limited the provider of the EFT Transactions;
  56. PAN or Primary Account Number means the Card number printed on the front of the Card;
  57. Parties means VPS and the Merchant "Party" shall refer to either of them as determined by the context;
  58. Primary Account means the main account held by a Customer at a bank or financial institution;
  59. Payment Facilitator means a third-party agent that may do the following: Sign a merchant acceptance agreement on behalf of an acquirer;
  60. PASA means the Payment Association of South Africa;
  61. Payment means a transfer of funds from the Customer to the Merchant, the execution of which is completed by the Parties on the basis provided for in this Agreement;
  62. Payment Instruction means an electronic instruction or request to make a Payment which is initiated by the Merchant on behalf of the Customer and intended to be processed through the Services;
  63. Payment Amount means the amount the Customer will pay the Merchant for the goods and/or services provided;
  64. Payment Instrument means a Card, Primary Account, Customer bank account, mobile, key fob and/or any other mechanism that is designed to hold secure data and that enables the flow of funds from the holder of the payment instrument to another party;
  65. PCI DSS means Payment Card Industry Data Security Standards as stipulated by the Card Associations;
  66. Personnel means the individual partners, directors, officers, employees, representatives, agents, independent contractors, subcontractors, suppliers, advisors, licensors, product providers and service providers of a Party;
  67. Personal Information means information about an identifiable, natural or juristic person, including but not limited to, information about race, gender, marital status, nationality, ethnic or social origin, sexual orientation, age, physical or mental health, religion, belief, disability, language, birth, education, identity number, telephone number, email, postal or street address, location through the Merchant's Device's GPS, biometric information and financial, criminal or employment history as well as correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence;
  68. Point-of-Sale ('POS') device means an imprinter and/or a device that is primarily used for the processing of card transactions;
  69. Pin means a cardholder's personal identification number that is issued to the cardholder by the Issuing Bank or created by the Customer for the purpose of authenticating EFT transactions;
  70. POPIA means the Protection of Personal Information Act of 2013;
  71. Privacy Policy means the VPS' standard data policy, which is accessible on the VPS' Website;
  72. QR Code means a Quick Response Code generated to enable the Merchant to process Transactions. It is a machine-readable code consisting of either an array of black and white squares or a linked numeric code, typically used for storing URLs or other information. The QR Code can be a Static QR Code or a Dynamic QR Code:
    1. Static QR Code means a QR code that has a predetermined value or will allow the Customer to input a value; and
    2. Dynamic QR Code means a QR code that is linked to specific purchases;
  73. Receipt means the written confirmation of a Transaction processed by the Merchant, recording the date, Merchant name, Merchant location, truncated PAN, amount, and reference number and shall include an eReceipt if the context or circumstances require;
  74. Refund means a Transaction that is the opposite of a purchase Transaction. A refund is a credit payment instruction issued by the Merchant to the Issuing Bank to credit a Customer's account. Such credit payment instruction is issued the Merchant after a debit payment instruction;
  75. Regulatorshall mean any court or public body having regulatory or supervisory authority over all or any part of the businesses of either or both Parties or the activities contemplated by this Agreement or any matters related to or arising hereunder;
  76. Reserve Account means a separate reserve account operated by VPS to secure the performance of any of the Merchant's payment obligations in terms of this Agreement, including in relation to any liability for any amounts arising due to a Chargeback;
  77. Reversal means the cancellation of a previous Transaction;
  78. Routine Maintenance means maintenance that is required to maintain the Services and all associated Infrastructure;
  79. Statement means a tax invoice setting out all fees and charges payable by the Merchant to VPS;
  80. Service means the payment services rendered by VPS to the Merchant as set out in Annexure A of this Agreement and as chosen by the Merchant in writing from time to time;
  81. Settlement Funds means the total of all funds received from the Issuing Bank as it relates to Transactions concluded pursuant to this Agreement;
  82. Third-Party Features means any additional services provided by independent third parties, as approved by VPS, and which additional services do not form part of the Services;
  83. Third-Party Service Provider means any third-party service provider that VPS have contracted with to provide the Service;
  84. Transaction means a monetary transaction in terms of which the Customer tenders the Payment Amount in exchange for goods or services offered by the Merchant. A Transaction can include the following:
    1. Transaction entered into by a Customer using any mobile payment application with the Merchant through the Merchant's Website;
    2. a Transaction entered into by a mobile payment application user with the Merchant face to face; and
    3. a Transaction entered into by a mobile payment application user with the Merchant pursuant which results in the issuing an eReceipt;
  85. Transaction Data means all the data, including but not limited to Personal Information, that is supplied by the Customers to the Merchant and is necessary for the Merchant to process the Transaction;
  86. Transaction Documents means all documents, printouts or reports that contain information that relate to the Transaction including but not limited to Receipts, sales vouchers, documents that contain Transaction Data and bank notifications;
  87. Website means the website operated by VPS, located at any domain or subdomain of Vodacom.co.za, as updated from time to time;
  88. VAT means Value Added Tax as defined in terms of the Value-Added Tax Act, number 89 of 1991 as amended from time-to-time;
  89. Virtual Transaction or Virtual Transactions means the purchase of goods and/or services over the Internet by the Customer from the Merchant, whether the Transaction is facilitated by the Payment Facilitator or not, for which Authorisation has been obtained, or the purchase of goods and / or services;
  90. VPS means VPS the company with registration number 2007/010688/07 providing the Service to the Merchant as a Payment Facilitator;
  91. VPS Intellectual Property means all Intellectual Property owned or used by VPS at any time whether as part of the provision of the Services or otherwise;
  92. VPS Materials means all Materials that belong to VPS;
2. Clause headings are simply for convenience and are not relevant in the interpretation thereof.
3. Any reference to a natural person shall, where relevant, shall hereby also include a legal entity and vice versa.
4. In this Agreement, unless a contrary intention appears, words importing: any one gender include the other two; the singular includes the plural (and the converse shall apply); natural persons include legal entities (corporate or unincorporated) and the state (and the converse shall apply).
5. References to a statutory provision include any subordinate legislation made from time to time under that provision and any modification or re-enactment of such provision, as far as such modification or re-enactment applies, or is capable of applying, to this Agreement or any transaction entered into in accordance with this Agreement.
6. If a definition imposes substantive rights and obligations on a Party, such rights and obligations shall be given effect to and shall be enforceable, notwithstanding that they are contained in a definition.
7. if there is any conflict between any definitions in this Agreement then, for purposes of interpreting any clause of the Agreement or paragraph of any Annexure, the definition appearing in that clause or paragraph shall prevail over any other conflicting definition appearing elsewhere in the Agreement.
8. No rule of construction shall be applied to the disadvantage of a Party to this Agreement because that Party was responsible for or participated in the preparation of this Agreement or any part of it.
9. The rule of construction that if general words or terms are used in association with specific words or terms which are a species of a particular genus or class, the meaning of the general words or terms shall be restricted to that same class (i.e. the eiusdem generis rule) shall not apply.
10. The words "include" and "including" mean "include without limitation" and "including without limitation". The use of the words "include" and "including" followed by a specific example or examples shall not be construed as limiting the meaning of the general wording preceding it.
11. Unless otherwise provided, any number of days prescribed shall be determined by excluding the first and including the last day or, where the last day falls on a day that is not a Business Day, the next succeeding Business Day.
12. Where the day upon or by which any act is required to be performed is not a Business Day, the Parties shall be deemed to have intended such act to be performed upon or by the next succeeding Business Day.
13. Any provision in this Agreement which is or may become illegal, invalid or unenforceable in any jurisdiction affected by this Agreement shall be ineffective to the extent of such prohibition or unenforceability and shall be treated as having not been written (i.e. pro non scripto) and severed from the balance of this Agreement without invalidating the remaining provisions of this Agreement or affecting the validity or enforceability of such provision.
14. The expiration or termination of this Agreement shall not affect such of the provisions of this Agreement which by their nature, or which are expressly provided to, operate after any such expiration or termination, or which of necessity must continue to have effect after such expiration or termination, notwithstanding that the relevant provisions themselves do not provide for this. Without derogating from or limiting the foregoing, clauses which are by their nature intended to endure beyond the termination or expiration of this Agreement shall continue in full force and effect after expiration or termination of this Agreement.
15. Technical terms that are not defined in this clause 2 have the generally understood meaning in the financial services industry.
ACCEPTANCE, COMMENCEMENT, DURATION AND TERMINATION
1. By electronically accepting this Agreement, the Merchant hereby confirms that they have read and understood the meaning and effect of its corresponding rights and obligations.
2. The Agreement will become binding upon both Parties on the Effective Date and shall remain in force and effect until terminated in terms of the provisions set below.
3. This Agreement may be terminated:
  1. by either Party on Calendar Month written notice to the other Party;
  2. immediately by VPS, at VPS' sole discretion:
    1. if VPS is required to terminate this Agreement by (i) Applicable Law; or (ii) by the rules or directions of any Association; or (iii) the Acquiring Bank; or
    2. if the Merchant has committed a material breach.
4. Upon the termination of this Agreement, the Merchant will return to VPS all the VPS Materials.
SERVICES
1. VPS shall render the Services to the Merchant in terms of Annexure A and any other specifications as agreed to by the Parties from time to time.
2. The Merchant shall be bound by the terms and conditions in Annexure A that relate to the Services that it has selected during the Application Process
3. VPS warrants that the Services comply with the Applicable Laws and Association Rules
4. The Parties acknowledge that VPS may amend the Service terms and conditions set out in Annexure A at any time and shall notify the Merchant of such changes. The amended terms and conditions shall be published on the VPS Website.
SERVICE APPLICATION
1. The Merchant must complete the Application Process to apply for the either or all of the Services.
2. The Merchant is required to submit the Application together with the Merchant's FICA Documents and any other supporting documents that VPS may request.
3. The Application Process shall require the Merchant to provide:
  1. relevant information that is required to sufficiently identify the Merchant;
  2. Services that the Merchant would like to procure from VPS;
  3. Authorised Person nominated to conduct the Merchant Account; and
  4. Merchant's nominated Bank Account.
4. VPS undertakes to send the Fee Schedule to the Merchant during the Application Process
5. If there is any information outstanding during the Application Process, VPS shall request such information from the Merchant. For the avoidance of doubt, VPS shall not approve the Merchant to use the Services if there is information that is outstanding. If information is outstanding for more than one calendar month, the Merchant will be required to submit a new Application with updated information.
6. By completing the Application Process, the Merchant makes an offer to do business with VPS and VPS is entitled to decide at its sole discretion whether or not to accept the offer.
7. For the purpose of the Application Process, the Merchant hereby authorises and consents to VPS performing an upfront and ongoing credit and regulatory check on the Merchant, its business and/or any other principal, partner, trustees, members, proprietor, director or owner of the Merchant's business.
8. Once the Application Process is complete, VPS shall:
  1. advise the Merchant in writing of the Activation Date; and
  2. create a Merchant Account on the Merchant Portal for the Merchant; and
9. The Merchant warrants that the information it may provide to VPS is true and accurate.
10. The Merchant can commence processing Transactions from the Activation Date but such Transaction will not be settled in the Merchant's Bank Account by VPS until and unless the Merchant's FICA Documentation has been received, reviewed, approved by VPS.
THE MERCHANTS PORTAL
1. Once the Application Process is complete in terms of clause 5 above, VPS shall allocate login credentials to the Authorised Person to enable them to access the Merchants Portal.
2. It is the sole responsibility of the Merchant to keep its login credentials private and to not allow anyone other than the Authorised Person to use such credentials.
3. VPS shall not be held liable for any loss or damage that the Merchant may suffer as a result of unauthorised access and use of the Merchants Portal using the Merchant's credentials.
4. The Merchant shall not insert, or allow the insertion, of Harmful Code into the VPS Infrastructure or the Merchants Portal. If such Harmful Code is inserted into the VPS Infrastructure or Merchants Portal by fault (direct or indirect) of the Merchant, the Merchant shall bear all costs associated with the containment and elimination of the Harmful Code, including any costs arising from the restoration and reconstruction of all data which may be lost, damaged or destroyed as a result of such introduction, activation or invocation of any Harmful Code.
5. VPS may amend details of the Merchant on its behalf on instruction of the Merchant.
6. The Merchant's Personnel must operate the Merchant Portal with the necessary skill and care, and not allow any unauthorised persons to access the Merchant Portal.
DORMANCY
1. If the Merchant does not use the Service the Merchant procured from VPS for 3 (three) consecutive Calendar Month's, the Merchant's Services will be regarded as dormant. When the Merchant's Service is dormant, VPS reserves the right to do the following:
  1. suspend the Service and products immediately without prior notice;
  2. terminate the Agreement immediately without prior notice and without prejudice to any other rights in law;
  3. hold the Merchant liable and debit the Merchant Bank Account and apply set-off for all Fees; and
2. VPS may further rely on any of the remedies available to it by law.
MERCHANT'S OBLIGATIONS

The Merchant undertakes to:
1. Obtain and familiarize themselves with the Association Rules that are published by the Associations from time to time;
2. accept all Cards presented to the Merchant by a Customer and EFT in payment for goods and / or services;
3. ensure that it has and shall continue to have and maintain the required Infrastructure in order to make use of the Services and to access the Merchant Portal;
4. comply with all the Applicable Laws;
5. use the Services on a reasonable continuous basis;
6. comply with all Rules, manuals, policies and processes related to the Services;
7. facilitate the Transaction on behalf of the Customer in terms of clause 12 below;
8. provide VPS with all reports and documents or information as my be required in terms of any Applicable Laws and/or the Association Rules;
9. make sure that all the Merchant's Personnel who process Transactions are sufficiently trained and skilled to do so;
10. procure that a Receipt is given or sent to the Customer in respect of every Transaction;
11. for each Transaction dispatch the goods or services as soon as reasonably practicable after the Merchant receive an approved Receipt;
12. display promotional and brand material that VPS may supply to the Merchant from time to time in such a way that the public can clearly see that the Merchant accepts payment methods offered by VPS as Services in terms of this Agreement The Merchant agrees that VPS may advertise and publish to all potential Customers the Services that the Merchant has chosen in terms of this Agreement;
13. give VPS, Customer or a Regulator a copy of the relevant Transaction Documents within 7 (seven) days of being requested to submit such Transaction Documents;
14. respond promptly to inquiries/complaints from Customers relating to the Services;
15. keep all Transaction Documents for at least 180 days after the date of the Transaction;
16. not in any way state, imply or create the impression that VPS or any of its affiliates endorse or guarantee any of the Merchant's goods or services unless such endorsement is given by VPS or any of its affiliates in writing;
17. co-operate, communicate and/or interact with the VPS Personnel to the extent necessary for the purposes of putting into effect the terms and conditions of this Agreement;
18. use all reasonable endeavours to protect itself, website and Infrastructure against any Harmful Code;
19. check all Transaction details and Transaction reports and Bly notify VPS of any suspected discrepancies;
20. at all times cooperate with VPS if VPS requires the Merchant to offer certain rewards to Customers at the Merchant's cost and on VPS' behalf;
21. enter into a merchant agreement directly with the Acquiring Bank if required by the Associations or Applicable Laws;
22. all times, effect and maintain at its own expense, adequate insurances as may be required by VPS or by Applicable Law; and
23. perform all checks and investigations required by Applicable Laws and checks and investigations required by good industry practice, to ensure that all Anti-Money Laundering ("AML"), Combatting the Financing of Terrorism ("CFT") and/or Trade Control Laws requirements are satisfied and complied with.
VPS' OBLIGATIONS

VPS undertakes to:
1. provide the Services to the Merchant;
2. enter into and maintain a relationship with the Acquiring Bank;
3. develop, maintain and host the Merchants Portal;
4. provide support related to the Services and the Merchants Portal during the operating hours communicated by the Merchant from time to time to the Merchant;
5. where applicable provide the Merchant with the necessary Infrastructure as part of the Services;
6. will provide the Merchant with debit, credit Card and EFT clearing and settlement services in terms of which the Merchant accepts Cards from a Cardholder and EFT payments as a form of payment for goods, services and/or facilities supplied by the Merchant to that Cardholder. VPS shall clear and settle such payments for the Merchant.
7. VPS will pay the Merchant the Net Settlement Funds due to the Merchant.
PAYMENT AND PRICING
1. The Merchant shall pay VPS the fees for the Services as set out in the Fee Schedule.
2. VPS shall deduct from the Settlement Funds on each business day all Fees as set out in the Fees Schedule, unless otherwise agreed to in writing by VPS.
3. VPS reserves the right to change any of the fees referred to in clause 15.17by giving the Merchant 30 (thirty) days' advance written notice.
4. The Merchant Commission Fee in the Fees Schedule are based on the Merchant's projected turnover as provided by the Merchant during the Application Process. VPS reserves the right to re-assesses these fees after a period of 3 months from the Activation Date. VPS may at any time adjust the fees based on the average turnover achieved by the Merchant.
5. The Merchantshall maintain complete and accurate records of all amounts billed to and payments made by it pursuant to each Service in accordance with generally accepted accounting principles applied on a consistent basis.
6. The Merchant shall provide VPS with a copy of the Merchant's bank Statements within 5 (five) Business Days after receiving such a request.
THE MERCHANT ACCOUNT
1. VPS shall create a Merchant Account on behalf of the Merchant on the Merchant Portal.
2. All Transactions made through the Services shall be reflected on the Merchant Account the following Business Day.
3. All payments and fees due to VPS shall be deducted by VPS from the Merchant Account. For this purpose the Merchant hereby authorises VPS to deduct all amounts due from the Merchant Account.
4. All balances in the Merchant Account shall only be reflected in South African Rand.
5. The Merchant hereby cedes its rights and claims in and to the Merchant Account as security against any repayment of any obligations due by the Merchant to VPS pursuant to this Agreement;
6. In the event that there are no funds in the Merchant Account, the Merchant hereby authorises VPS to debit the Merchant's Bank Account to repay any amounts due to VPS.
7. Once all amounts and fees payable to VPS have been deducted from the Merchant Account, the Net Settlement Funds shall be paid to the Merchant's Bank Account on the next Business Day following the Transaction.
8. The Merchant will receive a monthly statement, setting out –
  1. the record of Transactions in the Merchant Account;
  2. amounts transferred to the Merchant's Bank Account by VPS pursuant to this Agreement; and
  3. the fees paid by the Merchant to VPS.
TRANSACTION PROCESSING
1. The Merchant shall receive a Payment Instruction from the Customer to effect a Payment for goods or services offered by the Merchant using the Services.
2. The Merchant shall send the Payment Instruction to VPS andrequest Authorisation to verify that the Customer has enough funds in his/ her Bank Account.
3. Should VPS receive confirmation from the Issuing Bank that it is satisfied that the Transaction meets the necessary requirements, the Issuing Bank shall, provide VPS with a "Authorised" response which in turn, VPS will transmit to the Merchant.
4. If the Payment Instruction is declined by the Issuing Bank for any reason whatsoever, the Customer will have to contact the Issuing Bank to enquire as to the reason for the decline.
5. All Authorisations shall be based on the information supplied by the Merchant in the Payment Instruction. The Merchant therefore warrants that all information in the Payment Instruction shall be true and accurate. VPS shall not be held liable for any loss or damage suffered by the Customer as a direct or indirect result of the Merchant supplying false information in the Payment Instruction.
6. The Merchant may only request Authorisation at the time of processing a Transaction.
7. Authorisation is only valid for that specific Transaction and amount.
8. If the Customer wishes to amend the amount set out in the Authorisation, the Merchant shall cancel the Authorisation and send a new Payment Instruction. The Merchant shall not send any Payment Instructions on its own accord without being instructed by the Customer.
9. Obtaining voice Authorisation from VPS and/or receiving an Authorisation code from VPS is merely a confirmation that there are sufficient funds available in the Customer's bank account and does not mean that VPS warrants or guarantee:
  1. that a Transaction is not a Fraudulent Transaction;
  2. the validity or genuineness of the Transaction;
  3. the validity of the identity of the Customer presenting the Payment Instrument;
  4. that VPS will pay the value of the Authorised Transaction;
  5. that the intended Transaction will not be declined later; or
  6. that the Transaction will not be subject to a Chargeback.
10. VPS shall not be held liable for any loss or damages that the Merchant may suffer as a result of the factors stated in clause 12.8 above.
11. The Merchant shall:
  1. not process any Transaction that do not relate to a genuine and legal transaction for goods and/or services;
  2. only process Transactions that are in amounts denominated in South African Rand;
  3. accept each valid Card that is presented to it by the rightful Cardholder in payment for goods and/or services;
  4. not add any extra charges or set any minimum or maximum Transaction amount for any particular Transaction;
  5. retain a copy of both the signed and the unsigned sales voucher along with the receipt for a period of at least 180 (one hundred and eighty) days from the date of the transaction;
  6. not attempt to limit its liability by asking or requiring Customers to waive their dispute rights; and
  7. not split or disguise Transactions or act in a way to avoid obtaining Authorisation from VPS.
12. Merchants must ensure that they implement the following measures:
  1. use widely available tools, such as CVC 2 validation, 3D-Secure, real-time Authorisation, monitoring, and Captcha to limit the scope of Harmful Code;
  2. deploy technology, such as web application firewalls, to detect and mitigate the effect of Harmful Code.
13. The Merchant may not engage in Undesirable Transaction Processing Behaviour, including but not limited to Excessive Authorisation Attempts and Nominal Amount Authorisations.
  1. The Merchant will not attempt to limit their liability by asking or requiring Cardholders to waive their dispute rights in a Card Transaction in the Merchant's favour.
  2. In terms of any additional Transaction functionality with VPS, where applicable, the Merchant will be able to
    1. reverse Transactions on the same day back to the Cardholder;
    2. refund a Transaction for up to 90 (ninety) days back to the Cardholder;
    3. send/resend receipts to the Cardholder; and
    4. perform any other actions using any functionality that VPS may add to the Services from time to time.
AUDIT AND INSPECTION RIGHTS
1. The Merchant shall, and shall ensure that each of its Personnel shall, keep complete and accurate books and records relating to the performance of this Agreement.
2. The Merchant grants, and shall ensure that each of its Personnel grants, to VPS and to its authorised agents and any statutory auditors (each a "Permitted Auditor"), a right of access to the Merchant's Personnel, systems (including the Merchant Portal), service records, retrieval systems and any other information that the Permitted Auditor may reasonably consider to be necessary in order to assess the adequacy of the Merchant's compliance with Applicable Laws and the provisions of this Agreement ("Compliance Audit"). A Compliance Audit may be carried out only in normal working hours, on reasonable prior written notice provided that a Compliance Audit can be performed more frequently if VPS has reasonable grounds to believe that the Merchant has not complied with Applicable Laws.
3. The Merchant shall, ensure that each subcontractor, deal with all Regulators and Permitted Auditors in an open and co-operative way.
4. VPS shall use reasonable endeavours, if and to the extent within its control, to ensure that persons conducting that audit shall comply with the Merchant's reasonable health and safety and security requirements and confidentiality obligations.
5. Each Party shall use reasonable endeavours to minimise any disruption to the operations of the Merchant caused by an audit.
6. Following an audit, VPS shall discuss its findings with the Merchant and, if appropriate, but without prejudice to VPS's other rights and remedies, the Parties shall agree to a plan (including a timetable to implement the plan) to address any concerns identified in the audit and the Merchant will comply with the steps set out in that plan.
DISPUTES AND CHARGEBACKS
1. In the event of a Chargeback, VPS may:
  1. deduct the full value of the Chargeback amount in the Reserve Account, subject to clause 13.18;
  2. adjust the fees set out in the Fee Schedule;
  3. delay the payment of any Net Settlement amounts into the Merchant's Bank Account;
  4. terminate, modify or suspend the Services of the Merchant; and/or
  5. debit the amount of any Chargeback and any associated fees, fines, or penalties applicable or imposed by any Association from the Merchant Account (including without limitation any Reserve Account).
2. For purposes of clause 13.17.1, VPS may withhold the amount of the potential Chargeback from settlements due to the Merchant until such time that:
  1. a Chargeback is finally assessed in favour of a Customer, in which case VPS will retain such funds;
  2. the period of time under Applicable Law or Association Rules by which the Customer may dispute the Transaction has expired; or
  3. VPS determines that a Chargeback on the Transaction will not occur.
3. If VPS is unable to recover funds related to a Chargeback for which the Merchant is liable, the Merchant will pay VPS the full amount of the Chargeback immediately upon demand. The Merchant shall pay all costs and expenses, including, without limitation, attorneys' fees on an attorney and own client scale, incurred by VPS in connection with the collection of all such amounts from the Merchant. For this purpose, VPS shall be entitled to debit the full amount of any Chargeback from the Reserve Account. If the Merchant successfully defends any Chargeback claim in any South African court, the Merchant shall also be entitled to claim the Merchant attorneys' fees on an attorney and own client scale.
4. If a Customer lodges a complaint about any Transaction which is considered to be reasonable or returns goods purchased on reasonable grounds, the Merchant may not refuse to exchange or process a Refund for such Transaction.
5. The Merchant shall, at the Merchant's own cost and expense, satisfy all claims and complaints arising in connection with any Transaction and cause any such claim or complaint that is justified to be satisfied without any undue delay.
6. The Merchant must provide VPS with information and documentation required within the timelines communicated by VPS in order for VPS to resolve a dispute which has been raised by the Merchant's Customer with VPS. The Merchant will be bound by the settlements negotiated between VPS and the Customer and any defences that VPS raise against the Customer.
REFUND PROCEDURE
1. For Card Transactions:
  1. VPS may give the Merchant a Refund facility at VPS's discretion. VPS can terminate this facility at any time, on verbal or written notice to the Merchant.
  2. If the Merchant is of the reasonable opinion that the Cardholder is entitled to a refund, or a refund is requested by the Cardholder, then the Merchant must process the refund transaction through the POS device with the Card present.
  3. The Merchant may not give the Cardholder a cash refund if the Merchant chooses to do so, the Merchant does so at the Merchant's own risk. Any refund may only take place with the original card-present and may not take place using a different Card.
  4. The amount of any refund must be calculated at the refund date and must take into account the prevailing exchange rate (where applicable) less any fees applicable at the time.
2. For EFT, the Merchant will be required to refund the Customer in cash.
FRAUDULENT TRANSACTIONS
1. The onus is on the Merchant to implement Fraud prevention measures and to establish processes and controls aimed at combating, preventing and detecting Fraud when processing Transactions and to ensure that the Merchant are adequately protected against fraudulent activities. The Merchant is required to report any Fraudulent Transactions by contacting 082 17855
2. The risk of fraudulent transactions lies with the Merchant
3. By entering into this Agreement, you undertake to co-operate with VPS in furnishing all information and documentation requested by VPS to enable VPS to investigate Fraudulent Transactions.
4. The Merchant must not honour Transactions or accept Cards that the Merchant know or suspect to be Fraudulent Transactions, fraudulent Cards or Transactions that are not authorised by the Customer.
5. If the Merchant is suspicious of a Payment Instrument or Customer at any time during the Authorisation process, the Merchant is required to cancel the Transaction.
6. If a Fraudulent Transaction or a suspected Fraudulent Transaction occurs, or if VPS suspects the Transaction is for any reason suspicious, an Invalid Transaction, erroneous or illegal; VPS may:
  1. withhold or delay processing of the Transaction;
  2. recover from the Merchant by debiting the Merchant's Bank Account, notwithstanding that such account may be held at another bank, or applying set-off or net settle amounts due to the Merchant with the value of any Fraudulent Transactions and losses that VPS incurred or suffered, as a result of or in connection with any Fraudulent Transaction; Invalid Transaction; erroneous or illegal Transactions processed by the Merchant. The Merchant indemnify VPS in respect of all losses in this regard;
  3. place a hold on the Merchant's Account;
  4. suspend the Services; or
  5. terminate the Agreement immediately without prior notice and without prejudice to any other rights in law.
7. The Merchant shall be responsible and liable for any and all losses or damages that may be suffered by the Customer, VPS or a third party as a result of the direct or indirect fraudulent actions of the Merchant's Personnel.
8. Without prejudice to the Parties' further obligations under this Agreement, the Parties shall cooperate in good faith as reasonably necessary to investigate possible or alleged instances of fraud, money laundering, terrorist financing, corruption or any other criminal activity, illegal use or abuse of the Services or the services provided by the Parties to their respective Customers and will take such reasonable steps as may be required to stop and prevent any such abuse.
9. In the case of any alleged or proven occurrence of fraud, money laundering, terrorist financing, corruption or any other criminal activity or illegal use or abuse of the Services (an "Incident"), the Merchant shall, without prejudice to its other obligations under this use its best endeavours to prevent any future such Incidents, including performing such steps and activities that VPS may prescribe in its sole discretion.
INTELLECTUAL PROPERTY RIGHTS
1. The Merchant acknowledges that if VPS makes available to the Merchant any Intellectual Property Rights owned or licensed by VPS, those Intellectual Property Rights are and shall remain the sole property of VPS.
2. VPS hereby grants a non-exclusive, non-transferable, sub-licensable, royalty-free licence to the Merchant to use Intellectual Property Rights owned or licensed by VPS solely to the extent necessary for the receipt and use of the Service pursuant to this Agreement.
3. Unless expressly permitted in this Agreement, the Merchant agree that the Merchant will not (nor will the Merchant allow or enable any third party to) do, cause or attempt any of the following, namely –
  1. copying, modifying, duplicating, creating derivative works from, framing, mirroring, republishing, downloading, displaying, transmitting, or distributing all or any portion of the Services or VPS Intellectual Property in any form or media or by any means;
  2. reverse compiling, disassembling, reverse engineering or non-literal copying of all or any part of the VPS Intellectual Property or otherwise reducing any computer programs forming part of the VPS Intellectual Property to a human-readable form;
  3. using the VPS Intellectual Property to create any software, applications, products or systems whose expression is substantially similar to that of the VPS Intellectual Property or any of the Services;
  4. accessing all or any part of the Services or VPS Intellectual Property to build a product or service which competes with the Services;
  5. (sub-)licensing, selling, renting, leasing, transferring, assigning, distributing, displaying, disclosing, commercially exploiting (except as required to achieve the Purpose), or otherwise making the Services or VPS Intellectual Property (including the Card, Compatible Devices and applicable hardware) available to any third party, unless agreed otherwise in writing with VPS and subject to the VPS Card Policies;
  6. challenging the validity or enforceability of, or VPS' entitlement to use, any of the VPS Intellectual Property;
  7. anything which may adversely affect the VPS Intellectual Property or VPS' rights in and to the VPS Intellectual Property; or
  8. anything which brings or is likely to bring the VPS Intellectual Property, the Services, VPS or any other licensee of VPS, into disrepute or which damages or is likely to damage the rights or interests of VPS.
4. The Merchant agree that the Services are rented and not sold, and for this purpose, the Merchant agree that all rights, title and interest, including but not limited to all rights of ownership and copyright in or to the VPS Intellectual Property shall continue to vest in VPS and that the Merchant will not, under any circumstances whatsoever, acquire any rights (proprietary or otherwise) in or to the VPS Intellectual Property.
5. In the event of the Merchant becoming aware of any infringement of Intellectual Property by VPS in the course of rendering the Services or of any unauthorized use of the VPS Intellectual Property or the Services, the Merchant shall inform VPS thereof, in writing. To the extent necessary and applicable, VPS shall, at its discretion, stop providing any infringing material and/or may replace the infringing material or may cancel this Agreement and refund the Merchant accordingly.
SORTING AT SOURCE
1. 'Sorting at Source' is where the Merchant have acquiring relationships with different banks with the intention of processing Transactions directly to the cardholder's bank. Multiple primary acquiring relationships, which result in the bypass of clearing is not permitted by PASA.
2. The Merchant may not be involved in, develop, allow, process or in any way whatsoever facilitate Sorting at Source.
3. The secondary use of multiple acquiring relationships, e.g. back-up POS Devices for disaster recovery or as part of the Merchant's business continuity plan does not constitute Sorting at Source.
4. The Merchant's non-compliance with the above requirements may result in fines or penalties being levied by PASA or the Card Associations, which fines or penalties will be debited from the Merchant's Bank Account.
WARRANTIES
1. The Merchant warrants to VPS that:
  1. the Merchant truthfully and accurately disclosed the nature of the Merchant's business to VPS during the Application Process;
  2. the Merchant's business does not involve offering goods and/or services to or in respect of any restricted business listed on the Association Website or which VPS may identify, from time to time, due to regulatory, risk or operational reasons, and which has been notified to the Merchant by VPS no later than 2 (two) months before they become enforceable by VPS;
  3. the Merchant is not a Payment Service Provider or Payment Facilitator.
  4. the Merchant are at least 18 (eighteen) years of age;
  5. the Merchant are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement;
  6. any Transaction submitted by the Merchant will represent a genuine sale by the Merchant;
  7. the Merchant will resolve any consumer dispute or complaint directly with the Cardholder;
  8. the Merchant shall comply with the Applicable Laws;
  9. the Merchant will not use the Services, directly or indirectly, for any Fraudulent undertaking or in any manner so as to interfere with the operation of the Services;
  10. no Transaction submitted by the Merchant through the Services will involve the Merchant's Cards (except for reasonable test swipes);
  11. the Merchant's use of the Services will be in compliance with this Agreement; and
  12. the Merchant has never had a contract with a Card Association which contract was terminated at the direction of Card Association or any regulatory authority or court of law.
2. To the extent permissible by Applicable Laws, VPS does not warrant that:
  1. the Services will meet the Merchant's requirements;
  2. the Services will be available at any particular time or location, uninterrupted or secure;
  3. any defects or errors in the Services will be corrected; or
  4. that the Services are free of viruses or other harmful components.
3. VPS shall take reasonable steps to ensure that the Services are delivered in accordance with this Agreement and that on the discovery of any defects, these are addressed timeously, however, due to the nature of the Services, these are necessarily provided on an "as is" and "as available" basis to the maximum extent permitted by Applicable Law.
4. The use of the Services may have certain risks and use of the Services is at the Merchant's own risk.
5. VPS does not warrant the full uninterrupted functionality of the Service. The Service is subject to scheduled Routine Maintenance.
LIMITATION OF LIABILITY
1. Subject to section 19.18 below, to the maximum extent permitted by Applicable Law, neither VPS nor the Third Party Service Merchants (and their respective employees, shareholders, directors, agents, affiliates and representatives, in whose favour this clause is a third party stipulation, capable of acceptance in writing at any time) shall be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, Data, or other intangible losses, that result from.
2. Without limiting the generality of the above, we will not be responsible to the Merchant for any indirect or consequential losses, claims, liabilities, damages, losses, fines, penalties and expenses arising from our delay or failure to perform our obligations because of:
  1. a Force Majeure event;
  2. any failure or malfunction of any part of the Service; and/or
  3. any delay in an electronic communication, including a communication via cellular telephones, or failure or malfunction in any supporting or shared networks, where applicable.
3. The Merchant specifically acknowledge that VPS does not have any control over whether all the Merchant's Transactions will be completed.
4. The use of any electronic means of communication is entirely at the Merchant's risk.
5. This clause does not exclude or limit any liability which, by law, is not capable of exclusion or limitation.
6. If the Merchant qualify as a consumer in terms of the Consumer Protection Act 68 of 2008, the limitation of liability in section 19.17 above will not apply to any loss directly or indirectly caused through the gross negligence of VPS or the Third Party Service Merchants (and their respective employees, shareholders, directors, agents, affiliates and representatives).
INDEMNITY
1. To the fullest extent permitted by law, the Merchant irrevocably agrees to indemnify and hold harmless VPS from and against any and all claims and losses arising out of or in connection with any claim made or instituted against VPS by any third party, where such claim arises in relation to, or as a result of:
  1. any action or omission of the Merchant or its Personnel breaching Applicable Laws (or causing VPS to breach Applicable Laws);
  2. any breach of, or non-compliance with, the provisions of clause 25 and 26.
  3. any actual or alleged breach of the Merchant's warranties or obligations set out in this Agreement, including, without limitation, any breach of the VPS Operational Rules or the Association Rules by the Merchant;
  4. any Transaction submitted by the Merchant through the Services; or
  5. the Merchant's violation of any third-party right, including without limitation any right of privacy, publicity rights or Intellectual Property rights.
2. If the Merchant qualify as a consumer in terms of the Consumer Protection Act 68 of 2008, the indemnity in section 20.17 above will not apply to the extent that a claim relates to loss directly or indirectly caused through the gross negligence of VPS or the Third Party Service Merchants (and their respective employees, shareholders, directors, agents, affiliates and representatives).
DISPUTE RESOLUTION
1. The Merchant agree that any dispute that arises in terms of this Agreement (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction) must be dealt with and be formally decided by way of arbitration.
2. For purposes of this clause 21.17:
  1. the arbitration will be held at Johannesburg;
  2. the arbitration shall be subject to the arbitration legislation for the time being in force in South Africa;
  3. the arbitrator will be an impartial admitted attorney whether practicing or non-practicing of not less than 10 (ten) years' experience appointed by VPS;
  4. the Merchant agree to keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential;
  5. the arbitrator shall be obliged to give his award in writing fully supported by reasons, and the arbitrator's award shall be final and binding on the Merchant and VPS; and
  6. the costs of any venue, arbitrator's remuneration, recording, transcription and other costs and expenses ancillary to the arbitration shall be borne by the Merchant and VPS in equal shares and shall be recoverable, as costs in the cause under the provisions of any award.
ADDRESS FOR SERVICE
1. VPS nominates the address set out below as the address it will receive all communications required in terms of this Agreement –
  
  Physical: Corporate Park 082, Vodacom Boulevard, Vodavalley, Midrand, 1685.
  
  Postal: Corporate Park 082, Vodacom Boulevard, Vodavalley, Midrand, 1685.
  
  Email: [email protected]
2. The Merchant nominate the address set out in the Application Process as the address it will receive all communications required in terms of this Agreement. The Merchant may change this address by notifying VPS.
GOVERNING LAW AND SUBMISSION TO JURISDICTION
1. This Agreement will be governed at all times by the substantive laws of South Africa.
2. The Merchant agree that any legal action or proceedings arising out of or in connection with the terms of this Agreement and/or use of the Services, whether directly or indirectly, will be brought in any competent court in the High Court of South Africa (South Gauteng High Court).
CONFIDENTIAL INFORMATION
1. Subject to the provisions of clause 25, the Confidential Information shall at all times and until otherwise agreed by the Parties remain the sole property of that Party disclosing it (the "Disclosing Party") and the Party receiving it (a "Receiving Party") shall take appropriate security measures and keep the Confidential Information in such a way as to prevent its unauthorised disclosure. Without limiting or derogating from either Parties' rights under this Agreement, the Parties understand and agree that they are liable for damages arising to an injured party from unauthorized disclosure of the Confidential Information.
2. Subject to the provisions of clause 25, save for instances in which the Disclosing Party has given prior written consent, each Party understands that it and its representatives (as defined below)) may only use Confidential Information for the purposes of this Agreement and may only disclose the Confidential Information:
  1. to those of its Personnel and the Personnel of its Affiliates ("representatives") who need to know the same for the purpose for which it was shared on the basis that such representatives will be bound to hold all Confidential Information in confidence to the standard required under this Agreement and any breach of any of the terms of this Agreement by any such person or any other person to whom the Confidential Information is disclosed by the Receiving Party will be treated as if the Receiving Party had committed the breach;
  2. As required by law or by any regulation or similar provision or by any competent regulatory authority. In these circumstances, the Receiving Party shall give the Disclosing Party prompt advance written notice of the disclosure (where lawful and practical to do so) so that the Disclosing Party has sufficient opportunity (where possible) to prevent or control the manner of disclosure by appropriate legal means.
3. Subject to the provisions of clause 25 the restrictions on disclosure or use of the Confidential Information set out in clause 24.18 above will not apply to:
  1. any information which is generally available to the public, other than as a result of a breach of this Agreement;
  2. any information which the Receiving Party possessed prior to disclosure by the Disclosing Party and where the Receiving Party was at the time of such disclosure free to disclose that information to others; and
  3. any information independently originated by the Receiving Party or acquired by the Receiving Party from a third party in circumstances in which the Receiving Party is free to disclose it to others.
4. The Merchant shall not issue any publications, press releases, notices or provide VPS as a 'reference site' in any of its marketing and/or materials and/or activities unless VPS has given its prior written consent.
5. The Merchant understands and agrees that VPS may provide the Issuing Bank and other VPS affiliates with full and detailed accounts and records of all Statements, Transactions, carried out, including Payment Instructions, pursuant to this Agreement.
6. The Merchant understands and agrees that VPS may share the details regarding the Transactions with the VPS Personnel, agents, and Third Party Service Merchants for training, research, analysis and operational business purposes, in accordance with the VPS Privacy Policy.
7. The provisions of this clause 24 shall survive the termination or expiration of this Agreement.
CONSENT TO DISCLOSE INFORMATION (POPIA)
1. By using the Services, the Merchant hereby consent that VPS may process (collect, use, update, make available, destroy, store, or otherwise deal with and conduct the necessary checks) the Merchant's Personal Information (including processing such information outside the borders of South Africa) for the purposes of providing services and products to the Merchant, in accordance with any of the terms and conditions for products and services provided by VPS and the requirements of the law. The Merchant also confirm that the information provided by the Merchant, from time to time, to VPS is up to date, correct and complete, including information about the Merchant's residency and citizenship for tax purposes and that the Merchant will immediately inform VPS if this information changes.
2. Information includes amongst others, information regarding marital status, national origin, age, language, birth, education, financial history, identifying number, e-mail address, physical address, telephone number, online identifier, social medial profile, biometric information (like fingerprints, the Merchant's signature or voice) and the Merchant's name.
3. The Merchant confirm that VPS may process any information and documentation relating to the Merchant's business or that of the Merchant's employees, directors and members in relation to the services provided by VPS.
4. The Merchant agree that VPS can access any information about the Merchant that is recorded with any credit bureau, or held by any other division of VPS, or obtain Fraud reports and checks at any time during the course of the Merchant's relationship with VPS. The credit bureau provides credit profiles on persons as well as a credit score on the credit-worthiness of persons.
5. VPS shall give the Merchant at least 20 (twenty) Business Days' notice of its intention to submit adverse information (relating to the non-compliance with the agreements the Merchant entered into with VPS) concerning the Merchant to TransUnion and Experian (credit bureau);
6. How VPS will use the Merchant's information:
  1. VPS will process personal information from the Merchant directly; and from the Merchant's usage of VPS' products and services; from the Merchant's engagements and interactions with VPS; from public sources and from third parties; and
  2. The Merchant's personal information will be confidential and will only be processed if: the Merchant consented thereto; it is necessary to conclude or perform in terms of a contract with the Merchant; the law requires it or a third parties lawful interest is being protected or pursued.
  3. By applying for the Service or by using a VPS service the Merchant confirm that VPS may process the Merchant's personal information for the following reasons (amongst others):
    1. to comply with legislative, regulatory, risk and compliance requirements (including directives, sanctions and rules), voluntary and involuntary codes of conduct and industry agreements or to fulfil reporting requirements and information requests;
    2. to detect, prevent and report theft, fraud, money laundering and other crimes;
    3. to enforce and collect on any agreement when the Merchant are in default or breach of the agreement's terms and conditions, like tracing the Merchant or to institute legal proceedings against the Merchant;
    4. to conduct market and behavioural research, including scoring and analysis to determine if the Merchant qualify for products and services;
    5. to develop, test and improve products and services;
    6. for historical, statistical and research purposes;
    7. to process Payment Instruments and payment instructions;
    8. to do affordability assessments, credit assessments and credit scoring;
    9. to manage and maintain the Merchant's accounts or relationship with VPS;
    10. to disclose and obtain information from credit bureaus regarding the Merchant's credit history;
    11. to enable the Merchant to participate in the debt review process under the National Credit Act of 2005 ('NCA');
    12. to enable VPS to deliver goods or documents or notices to the Merchant;
    13. for security purposes, identity verification and to check the accuracy of the Merchant's personal information;
    14. to communicate with the Merchant and carry out the Merchant's instructions and requests; and
    15. for Customer satisfaction surveys, promotional and other competitions.
  4. VPS may share the Merchant's personal information with the following persons (amongst others) who have an obligation to keep the Merchant's information secure and confidential:
    1. attorneys, tracing agents, debt collectors and other persons that assist with the enforcement of agreements;
    2. debt counsellors, payment distribution agents and other persons that assist with the debt review process under the NCA;
    3. payment processing service providers, banks and other persons that assists with the processing of the Merchant's payment instructions;
    4. insurers, brokers and other financial institutions that assist with providing insurance and assurance;
    5. law enforcement and Fraud prevention agencies and other persons tasked with the prevention and prosecution of crime;
    6. regulatory authorities, government departments, local and international tax authorities and other persons in terms of the law;
    7. credit bureaus;
    8. VPS' service providers, agents and sub-contractors like couriers and other persons VPS uses to offer and provide products and services to the Merchant; and
    9. persons to whom VPS cedes their rights or delegates their obligations under agreements.
  5. VPS can process the Merchant's personal information outside of the borders of South Africa, according to the safeguards and requirements of the law.
  6. VPS may process the Merchant's personal information using automated means (without human intervention in the decision-making process) to decide for the Merchant or the Merchant's application for any product or service. The Merchant may query the outcome.
  7. The Merchant have the right to access the personal information VPS has about the Merchant by contacting 082 17855. The Merchant have the right to request VPS to correct or delete the personal information VPS has about the Merchant if it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading, obtained unlawfully or no longer authorised to be kept.
  8. The Merchant have the right to withdraw the Merchant's consent which allows VPS to process the Merchant's personal information.
  9. The Merchant have the right to file a complaint with VPS about an alleged contravention of the protection of the Merchant's information at 082 17855.
DATA PROTECTION
1. By receiving Data pertaining to or from a Customer, the Merchant shall:
  1. treat such Data as confidential and not use it other than as strictly necessary in terms of the Agreement;
  2. disclose such Data only to parties involved in the Transaction, only as is necessary to give effect to the Transaction;
  3. keep all systems and media containing Data, whether physical or electronic, in a secure manner, to prevent access by or disclosure to anyone other than the Merchant's authorised employees or VPS;
  4. destroy all such Data that is no longer necessary or appropriate to store in a manner that will render the Data unreadable;
  5. inform VPS of any Data Compromise; and
  6. at all times be liable for any losses resulting from any misuse of Data by the Merchant and the Merchant's employees; including any failure to keep Data secure and any Data Compromise.
2. The Data protection obligations under this Agreement shall survive the termination of this Agreement for any reason whatsoever.
MERCHANT CHANGES
1. The Merchant shall be required to notify VPS in writing and not less than 30 (thirty) days prior to the occurrence of:
  1. any Change of Control in the Merchant; or
  2. any change in the nature of the business of the Merchant.
2. Without limiting or derogating from its further rights under this Agreement, after receiving a notification from the Merchant in terms of clause 27.17, or becoming aware of any of the events or circumstances referred to in clause 27.17, VPS shall, be entitled, to the extent required by Applicable Law, to terminate this Agreement.
3. The Merchant shall give VPS 7 (seven) days' written notice of any amendment to the Merchant's banking details.
FORCE MAJEURE
1. A Party (the "Affected Party") will not be liable to the other Party for any default or delay in the performance of its obligations under this Agreement if and to the extent that such default or delay is caused by Force Majeure provided however, that the Affected Party is without fault in causing such default or delay, and such default or delay could not have been prevented by the Affected Party through the use of alternative sources, workaround plans or other means including, where the Affected Party is the Merchant, by the Merchant meeting its obligations to perform its disaster recovery responsibilities under this Agreement.
2. Following any circumstance of Force Majeure, the Affected Party shall notify the other Party as soon as possible and be excused from further performance or observance of its obligation(s) so affected for so long as such circumstances prevail. The Affected Party shall continue to use its reasonable efforts to recommence performance; and co-operate with the other Party in implementing reasonable contingency measures.
3. If, in the reasonable discretion of the Party that is not the Affected Party, any circumstance of Force Majeure hinders the performance of any of the Services (or part thereof), then at its election, it may:
4. procure such Services from an alternative supplier at its own expense for so long as the circumstance of force majeure in its reasonable opinion prevents the Affected Party from performing the Services (or part thereof); or
5. If the circumstance of Force Majeure continues for more than 21 consecutive days, the non-Affected Party may terminate the Agreement by giving notice to the Affected Party, with immediate effect.
ENTIRE AGREEMENT
1. This Agreement sets out the entire agreement between the Merchant and VPS relating to our use of the Services and replaces any other discussions, agreements and/or understandings regarding the Merchant's use of the Services.
2. VPS is entitled, at any time, and from time to time, to amend the terms of this Agreement. If VPS amends the terms of this Agreement, it will immediately take reasonable steps to notify the Merchant of the amendments. IT IS THE MERCHANT's RESPONSIBILITY TO REVIEW AND BE FAMILIAR WITH THE AMENDMENTS TO THE TERMS OF THIS AGREEMENT. All amendments to this Agreement contemplated in this clause will become effective 5 (five) days of the date on which the Merchant receive the notification referred to in this clause.
3. If the Merchant do not agree to any amendments to this Agreement, the Merchant can before the expiry of the Cooling Off Period, exercise the Merchant's right to terminate the Agreement by immediately discontinuing the use of the Services and products and by notifying VPS in writing or by contacting 082 17855 .
4. If the Merchant do not notify VPS of the Merchant's intention to terminate the Agreement within the Cooling Off Period, the Merchant's continued use of the Services and products after the expiry of the Cooling-Off Period will serve as confirmation that VPS has given the Merchant adequate opportunity to read and understand the Agreement and constitutes the Merchant's acceptance of the Terms and Conditions of the Agreement.
5. Any Transactions processed after the Cooling-Off Period will be governed by the amended Terms and Conditions of the Merchant Agreement.
6. The Merchant will not be entitled at any time to transfer any of the Merchant's rights or any of the Merchant's obligations set out in this Agreement without VPS' written notice.
7. VPS will, at all times, be entitled to exercise its rights to the fullest in terms of this Agreement, even if it has previously not exercised such rights.

ANNEXURE A: SERVICES

As part of VPS' product suite, the following facilities are offered in order facilitate Transactions:

E-commerce
Point of Sale (POS) Device
QR Code

SCHEDULE 1: E-COMMERCE FACILITY TERMS AND CONDITIONS

The E-commerce Terms and Conditions shall form part of Annexure A and must be read in conjunction with the remaining Terms and Conditions of the main Agreement. A copy of all Terms and Conditions is available on VPS' Website and can be supplied to the Merchant by post and/or email at the Merchant's request. It is the Merchant's duty to speak to VPS if the Merchant do not understand any part of the Terms and Conditions prior to entering into this Agreement.

DEFINITIONS
1. 3D Secure means a protocol that enables the secure processing of E-commerce Transactions
2. AMT means Authenticated Mobile Transactions and means a Card-Not-Present bank-PIN-Authenticated mobile transaction
3. ECI means Electronic Commence Indicator, a 2 (two) or 3 (three) digit code issued by the Association Rules to notify the Merchant of the authentication of the Cardholder and the status of the Cardholder's Issuing Bank under 3D Secure;
4. MasterCard Secure Code means MasterCard's interpretation of the 3D-Secure code specification;
5. Three Domain Secure or 3D-Secure means an XML-based protocol designed to be an additional security layer for online credit Card and debit Card Transactions;
6. Verified by Visa means Visa's interpretation and application of the 3D-Secure code specification;
7. Virtual Transaction means the purchase of goods and/or services over the internet by the Customer from the Merchant for which Authorisation has been obtained, or the purchase of goods and / or services;
8. VPS Payment Gateway means the software used by VPS to forward and receive messages from the Merchant Website server to process E-commerce Transactions;
THE MERCHANT'S OBLIGATIONS
1. The Merchant must do the following when processing Virtual Transactions:
  1. only operate within the Acquirer's jurisdiction country as specified by the Acquiring Bank;
  2. ensure that the Merchant's Website complies with the Association Rules;
  3. install or integrate on the Merchant's Website: software; internet infrastructure and processes that enable electronic data to identify the Merchant and the Customer by verifying the Merchant and the integrity of the message;
  4. ensure that prior to carrying out Virtual Transactions: the Merchant's website and the Merchant server; software; internet infrastructure and processes comply with Vodacom's standards and specifications for secure authentication protocol;
  5. implement hardware or software prescribed by VPS to limit or reduce fraud;
  6. notify VPS of any changes relating to: the Merchant's commerce service provider ('CSP') website developer and the location where the Merchant's website is hosted;
  7. carry the risk relating to the operational effectiveness through which Virtual Transactions are transmitted. The contents of the message received by VPS from the Merchant's CSP will be deemed to be the contents of the message forwarded by the Merchant via the Merchant server;
  8. inform the Customer of any tax implications, exchange control regulations and/or any other relevant legislation that may be applicable to the agreement between the Merchant and the Customer; and
  9. ensure that the information printed and completed on the delivery note and/or proof of dispatch is true and correct.
  10. generally require Cardholders to create complex passwords; limiting the number of times a Cardholder can unsuccessfully attempt to log in and temporarily locking out Customers who exceed the specified maximum number of failed login attempts
2. Website Requirements
  
  In terms of the Association Rules it is a requirement that the Merchant's website contains the following information:
  1. the Visa, MasterCard, Amex and Diners brand mark in full colour to indicate Visa, MasterCard, Amex and Diners acceptance, as specified in the respective Visa, MasterCard, Amex and Diners Product Brand standards;
  2. a complete description of the goods and/or services offered;
  3. the Merchant's returns/refund policy;
  4. the Merchant's contact details which include a contact name, telephone number, physical address of the Merchant's permanent establishment and email address;
  5. the total price of the goods or services on offer, including any relevant taxes and delivery charges;
  6. Transaction currency (only South African Rands (ZAR) are allowed);
  7. the Merchant's delivery policy; and
  8. consumer data privacy policy i.e. how the Customer's information will be used.
  9. a disclosure to the Customer that the Merchant are the merchant of record and responsible for fulfilment of the Transaction; and
  10. the Merchant's full name and online address.
USE OF THE SERVICE FOR TRANSACTIONS THROUGH THE MERCHANT'S WEBSITE
1. The Merchant may choose to use the Service of accepting Transactions on the Merchant's Website.
2. The Merchant must notify the Customer that the Merchant is responsible for transactions, products and services, direct customer service, the resolution of disputes and all terms and conditions of sale.
3. The Merchant confirms that the URL reflected in the Application during the completion of the Application Process, (mentioned in clause 4 of this Agreement), is the Merchant's current URL and the Merchant must inform us in writing within 3 (three) working days if this URL changes.
4. The Merchant must comply with PCI DSS.
5. The Merchant must comply with all applicable laws regarding import and export transactions performed over the internet.
6. The Merchant agrees to implement security standards in the manner we prescribe.
7. We will not be a party to any dispute between the Merchant and any service provider the Merchant appoints to establish the Merchant's internet infrastructure.
8. We will also not be liable for any damage the Merchant suffers as a result of any failure or malfunction of this infrastructure.
9. We will not be liable for damage caused by a network breakdown, system failure or equipment malfunction, or by the destruction of or damage to facilities caused by power failures or similar occurrences. We will also not be liable for loss or damage caused by events beyond our control and/or the fact that the Merchant is unable to gain access to the Merchant's infrastructure or to use it.
VIRTUAL TRANSACTIONS
1. The Merchant may not store a Cardholder's CVV number.
2. The Merchant must, via the Merchant's CSP, obtain Vodacom's prior Authorisation before accepting any Virtual Transaction.
3. The Merchant may only request Authorisation at the time of and for a particular Virtual Transaction.
4. The Merchant may not split or disguise Virtual Transactions or act in a way to avoid obtaining authorisation.
5. Authorisation is a prerequisite for the dispatch of any goods and delivery of services. If the initial amount for which Authorisation was obtained differs from the final amount charged to the Customer, the Merchant must cancel the initial Authorisation request.
6. If Authorisation is granted, the Merchant must dispatch the goods or deliver the service within the time stipulated in the Merchant's delivery policy.
7. The Merchant is responsible for ensuring that the Merchant's CSP populates the correct CAVV and ECI indicators in the Virtual Transaction message, failing which the Merchant will be held liable for any loss incurred.
8. The Merchant must forward a message to the Merchant's CSP consisting of a record of all Authorised Virtual Transactions in respect of which the goods and/or services have been dispatched. Such message will be construed as being a guarantee given by the Merchant that such goods and/or services have been dispatched and will constitute an instruction to VPS to process the Virtual Transaction.
9. The Merchant must securely keep a record of the Merchant's Customers' addresses.
10. Failure to comply with any or all of the requirements set out above will render the Virtual Transaction to be invalid.
3D-SECURE
1. All E-commerce Merchants must be 3D-Secure enrolled
2. The Merchant may not process Transactions which do not indicate 3D-Secure authentication or attempted authentication or has been authenticated with AMT
3. The Merchant will be held liable for all Losses incurred as a result of Virtual Transactions processed by the Merchant that are not 3D-Secured or AMT Authenticated
4. If the 3D-Secure or AMT authentication is successful for enrolled Cards, the Merchant will process the Authorisation in the ordinary course, passing on 3D-Secure authentication data to VPS or the CSP for processing.
5. The Merchant indemnifies VPS against any and all Losses and Fraud that may occur as a result of the Merchant or the Merchant's CSP disabling 3D-Secure. Any and all such losses and instances of Fraudulent or invalid Transactions will be Charged Back to the Merchant.
CHARGEBACK
1. Protection against certain Chargebacks is subject to the Association Rules. The Merchant needs to ensure that the Merchant's Virtual Transactions are secured at all times in accordance with the Association Rules.
2. The Merchant acknowledges that it is in the Merchant's best interest to ensure that the Merchant have checks and balances in place for all Virtual Transactions, as all valid Chargebacks arising from disputed Virtual Transactions will be debited from the Merchant's Bank Account.
RISK MITIGATING MEASUREMENTS
1. The following guidelines, amongst general risk mitigating measures, are recommended to assist E-commerce Merchants:
  1. the Merchant and the Merchant's CSP must ensure that both have adequate risk management and Fraud reduction tools in place;
  2. the Merchant must not store the CAVV/CVC number on the Merchant's systems or write these numbers down;
  3. the Merchant may only store the full Card number on the Merchant's systems in accordance with the PCI DSS requirements;
  4. the Merchant must be aware of and query Virtual Transactions which are higher in value than the average Virtual Transactions processed on the Merchant's website;
  5. the Merchant must be aware of Virtual Transactions where the goods are delivered to the same address but different names or Card numbers are used, or the same name but different addresses are used;
  6. the Merchant must deliver the goods to a house or office and not to a person at a general or unspecified location who claims to be the Customer; and
  7. the Merchant must confirm telephone numbers prior to delivery, especially in the case of high-value goods and services. A work telephone number is a more substantial reference and can usually be traced in a telephone directory.
2. These recommendations merely serve as guidelines since VPS does not wish to prescribe to the Merchant how they should conduct their online business, nor does VPS suggest that these guidelines will eliminate all instances in respect of Virtual Transactions.

SCHEDULE 2: POINT OF SALE DEVICE TERMS AND CONDITIONS

The POS device Terms and Conditions form part of the Merchant's main Annexure A and must be read in conjunction with the remaining Terms and Conditions of the main Agreement. A copy of the Terms and Conditions is available on the VPS' Website and can be supplied to the Merchant by post and/or email at the Merchant's request. It is the Merchant's duty to speak to VPS if the Merchant do not understand any part of the Terms and Conditions prior to entering into the Agreement.

DEFINITIONS
1. Cashback Transaction or Cashback with Purchase Transactions means an agreement concluded between the Merchant and a Customer in terms of which the Customer purchases goods and services from the Merchant and simultaneously withdraws cash from the Merchant;
2. Contactless Card means a chip card with additional functionality, which can make a contactless payment;
3. Contactless Payment means a payment transaction made below the contactless transaction limit whereby the contactless card is touched against or placed within close proximity of a contactless POS device;
4. Contactless POS Device means a VPS POS device that can perform contactless payments/transactions.
5. Fallback Transaction means the process that is followed when a normal Card Transaction cannot be completed on a POS device due to a POS device being unable to read the Card, and where the POS device prompts the Merchant to complete the Transaction using the magnetic strip;
6. Floor Limit means a set amount which a Customer may spend on a single Transaction using a Payment Instrument without obtaining authorization from VPS;
7. Premises means the premises where the POS device is used;
GENERAL
1. The onus is on the Merchant to do the following:
  1. provide the Customer with a secure environment when he/she is asked to enter his/her PIN;
  2. at all times treat the Customer's account detail and PIN as confidential and do not disclose them to any person except as required in terms of the Association Rules;
  3. ensure that only the Merchant or the Merchant's employee(s) who are duly Authorised use the supervisor function;
  4. ensure that the Receipt is processed on a POS device supplied by Vodacom;
  5. retain the Card if VPS or the POS device instructs the Merchant to do so, provided that it is safe for the Merchant to do so; and
  6. bank and reconcile the Merchant's Transactions daily. VPS will hold the Merchant liable for any losses incurred by VPS or Chargebacks received as a result of the Merchant's failure to bank and reconcile the Merchant's Transactions daily. The onus is on the Merchant to advise VPS if the Merchant's POS device is not functioning or providing the Service correctly. VPS and the Acquirer reserves the right to automatically bank the Merchant's Transactions.
2. the Merchant may not process a Transaction on a Card by utilising the:
  1. supervisor function; or
  2. magnetic stripe data, except as provided for herein.
USE OF THE SERVICE FOR TRANSACTIONS THROUGH A POINT OF SALE DEVICE
1. Rent and/or purchase of a POS Device:
  1. The Merchant may choose to use the Service to accept Transactions through a POS device.
  2. The Merchant may choose to rent a POS device from VPS.
  3. VPS will provide support for the POS Devices rented and purchased.
  4. The Merchant hereby warrants the POS Device rented from VPS shall be operated with the necessary skill and care.
2. We will not be liable for damage caused by any malfunction of the POS Device. We will also not be liable for loss or damage caused by events beyond our control and/or the fact that the Merchant is unable to gain access to the Merchant's infrastructure or to use it.
3. The Merchant will be liable in the Merchant's own capacity for any insurance policy on a purchased POS device.
4. The Merchant will further be liable for any costs associated with the return and repair of a purchased.
5. For the avoidance of doubt, clauses 3.3 and 3.4 shall only apply to POS devices purchased from VPS and not devices that are rented.
POS DEVICE
1. The Merchant must retain control over the POS device at all times and allow VPS or VPS' Third Party Service Providers to inspect or conduct Routine Maintenance on the POS device upon request.
2. The risk in and to the POS device shall pass to the Merchant on delivery of the POS device to the Merchant or the Merchant's nominated third party, save for where such passing of risk is expressly excluded in terms of the Agreement. The Merchant shall be liable for loss of and damage to the POS device and VPS shall apply set-off, net-settlement and/or debit the Merchant's Bank Account with the value of the loss or damage incurred by VPS as a result of the Merchant's actions or omissions. The full replacement costs of the POS device will be set-off, net-settled and/or debit from the Merchant's Bank Account in the event of loss of POS device.
3. Upon termination of the Agreement, the Merchant shall return the POS device to VPS in materially the same working condition (fair wear and tear excepted). The Merchant must allow VPS and Vodacom's Third Party Service Providers access to the Merchant's premises to collect the POS device on the agreed collection date.
4. If the Merchant does not allow VPS to collect the POS device, the Merchant irrevocably authorises Vodacom, by using the Service and products, to apply set-off, net-settlement and/or to debit the Merchant's Bank Account with the full replacement cost of the POS device and to immediately terminate the Merchant's Agreement.
5. VPS reserves the right to terminate the Agreement and to collect the POS device that has not been used for a period of 3 (three) consecutive months.
6. The Merchant must:
  1. at all times have the POS device plugged in and connected to an operational communication Network Authorised by VPS in order to update vital information on a daily basis;
  2. assume responsibility for the provision of power and any other infrastructural modifications required for the POS device;
  3. keep and operate the POS device with due care and in a secure manner; and
  4. ensure that the POS device reflects the correct date and time.
7. Insurance
  1. VPS will hereby insure a rented POS device.
  2. The rented POS device shall be insured against the theft, loss, damage or malfunction of the device.
  3. VPS hereby reserves the right to lodge a potential claim with the insurer at its sole discretion for any rented POS device.
  4. VPS will hereby determine both the validity and need to lodge a claim regarding any rented POS device.
  5. The Merchant may call VPS at 082 17855 in order to report any issue regarding the Merchant's rented POS device. VPS will thereafter:
    1. investigate the reported issue; and
    2. make a determination regarding the need to lodge a claim with the insurer.
8. Installation and Training
  1. VPS or Vodacom's Third Party Service Provider will deliver the Device and telephonically assist the Merchant in setting up the device, train the Merchant, to train the Merchant's employees on how to use the Compatible device and maintain the POS device.
  2. The Merchant is responsible for choosing a supervisor and manager PIN upon installation of the POS device, to change it from time to time and to keep it secure.
9. Restrictions on use
  1. The Merchant may only use the POS device to process Transactions for the entity that has entered into the Agreement at the address provided to VPS during the Application Process or on a subsequent written notification to VPS of a change in the Merchant's address. VPS will have the right to immediately terminate the Agreement and will hold the Merchant liable for any claims made against it or losses incurred if the Merchant allow other non-contracted entity (ies) and/or third party (ies) to use the POS device.
  2. It is the Merchant's responsibility to make sure that the Merchant only allows Vodacom's approved Third Party Service Provider on site. Should anything seem suspicious, please contact VPS at 082 17855.
10. The Merchant must obtain Vodacom's approval to relocate the POS device to an address other than what VPS has on record.Installation costs, no fault calls, and repair costs of the POS device
  
  VPS reserves the right to apply set-off, net-settlement and/or to debit the Merchant's Merchant Account with a service fee for installation costs, no fault calls, and repair costs of the POS device.
MERCHANT SERVICES EXCLUSIONS

The scope of the maintenance services will not include the following and the Merchant will be held liable for the costs incurred by VPS in respect thereof:
1. maintenance or repairs to electrical work, telecommunications circuits and/or apparatus connected to, but external to the POS device and/or any accessories;
2. painting and/or refurbishment of the POS device;
3. installation and/or use of items not approved by VPS in writing or supplied by Vodacom;
4. the supply of consumable items including tally roles;
5. services resulting from the Merchant relocating or removing the POS device, or any part thereof;
6. the costs incurred by VPS as a result of a request by the Merchant to attend to: damage caused directly or indirectly as a result of: misuse; malicious damage; negligence and/or the failure of connectivity lines, other equipment or apparatus connected to the POS device;
7. "no fault calls" - where a call for maintenance services is logged and it subsequently becomes apparent that there is no problem with the POS device;
8. repair of or damage to the POS device or the restoration of lost or impaired services resulting, directly or indirectly, from:
  1. the connection of accessories, attachments or devices to the POS device, without the prior written consent of Vodacom;
  2. installation of the POS device by anyone other than VPS or its Third Party Service Provider/s;
  3. use of software applications not provided by Vodacom;
  4. alterations or additions to the POS device, except as otherwise provided for in the Agreement; and
  5. unauthorised maintenance or tampering (including circumstances where the Merchant's POS device is replaced with another POS device which has been tampered with, or on which unauthorised maintenance has been carried out) with the POS device or negligence on the Merchant's part or that of the Merchant's third party service provider(s).
AUTHORISATION OF TRANSACTIONS
1. The Merchant must apply to VPS for Authorisation for all Transactions including Budget Transactions, at the time of the Transaction by:
  1. Tapping a Card on the POS device for a Contactless Payment
  2. inserting a Card into the POS device and allowing the Customer to key in the PIN; or
  3. by following the security prompts for other payment instructions.
2. The Merchant may not override a Transaction if the Merchant's request for Authorisation of the Transaction is declined electronically.
3. The Merchant may not process a Fallback Transaction in order to avoid processing the Card by using the POS device.
4. The Merchant may not force through Transactions by using the supervisor PIN without obtaining a valid Authorisation code.
5. The Merchant must ensure that the Card that is presented to the Merchant by the Customer has not expired.
6. The Merchant must obtain the signature of the Customer on the Receipt when instructed to do so and provide the Customer with a legible copy of the Receipt. The Merchant must compare the signature on the back of the Card with the signature on the Receipt. Should the signatures not correspond, do not accept the card. This provision only applies Cards, where a chip on a Card has been damaged and a Fallback Transaction is processed with the Customer entering a PIN on the POS device
7. Should one or more of the abovementioned requirements not be met, the Transaction in question will be regarded as invalid and VPS may immediate terminate the Agreement on notice to the Merchant and apply set-off, net-settlement and/or debit the Merchant's Merchant Account with the value of the loss or losses incurred.
FALLBACK TRANSACTIONS
1. The Merchant must first follow the process set out in the Authorisation clause above before processing a Fallback Transaction.
2. The Merchant may not process Fallback Transactions on MasterCard cards.
3. A Fallback Transaction will be processed in the event that the Merchant is unable to complete the Transaction on a POS device where the POS device prompts the Merchant to complete the Transaction using the magnetic strip.
4. A Fallback Transaction must be completed by using the magnetic strip and obtaining the signature of the Customer on the Receipt.
5. Fallback Transactions on an un-embossed Card are not allowed.
6. By using the Fallback Transaction procedure, the Merchant acknowledges that the risks in utilising the Fallback Transaction procedure have been explained to the Merchant and that the Merchant understands and accepts such risks.
REFUNDS
1. The Merchant must process Refunds on credit Cards by using the Refund facility on the Merchant's POS device.
2. The Merchant may only process Refunds to the Card that was used when the purchase took place.
3. The Merchant may not give cash Refunds for credit or cheque Card Transactions.
4. The Merchant may not process a Refund on debit Cards by using the POS device. The Merchant must process Refunds on debit Cards by refunding the Customer in cash.
ACCEPTANCE OF CONTACTLESS CARDS
1. Contactless Cards may be accepted on a Contactless POS Device for Transactions equal to or less than the threshold amount defined by Vodacom. Please contact the 082 17855 for more information on the threshold amount.
2. VPS reserves the right to change the threshold amount at any time.
3. For Transactions over the threshold amount, a Customer will be requested to key in their PIN into the POS device in order to process a Transaction.
4. Transactions over the maximum threshold amount will be regarded as a contact Transaction and the Customer must either insert the Card into the POS device and key in his or her PIN, or the Transactions must be processed as a Fallback transaction when the POS device instructs the Merchant so
CASHBACK WITH PURCHASE FACILITY
1. The limit on the maximum amount of cash which may be withdrawn by the Customer at any time and on any day, will be determined by VPS or by PASA.
2. The Merchant may not use Vodacom's POS device to only process Cashback with Purchase Transactions.
3. Should the Cashback with Purchase facility be abused, the Merchant's Cashback with Purchase facility may be terminated and penalties may be levied, and the Merchant will be held liable for any losses incurred by Vodacom.
4. The Merchant will be held liable for any Fraudulent Transactions and associated Chargebacks that arise from Cashback with Purchase.
5. Cashback with Purchase Transactions may not be processed by way of a Fallback Transaction
6. The Merchant is only allowed to process Cashback with Purchase Transactions on domestic MasterCard and VISA Cards.
7. When using the Cashback with Purchase facility, the Merchant must do the following:
  1. process all Cashback with Purchase Transactions electronically on the Merchant's POS device as a purchase;
  2. apply for Authorisation for all Cashback with Purchase Transactions, regardless of the Merchant's Floor Limit; and
  3. allow VPS to conduct random mystery shopping exercises or checks at the Merchant's Store.
IMPORTANT NOTICE: TAX IMPLICATIONS
1. VPS strongly recommends that the Merchant obtain independent professional advice regarding any tax implications arising from the acceptance and processing of Cashback with Purchase Transactions.
2. The Merchant is fully responsible for any tax implications arising from the acceptance and processing of Cashback with Purchase Transactions.
3. The Merchant agrees that they will not hold VPS liable and the Merchant hereby indemnify VPS fully, and hold VPS completely harmless, against all losses which arise from processing Cashback with Purchase Transactions.
4. The Merchant agrees and acknowledges that the Merchant will not issue a tax invoice, credit or debit note in respect of the taxable supply of goods and/or services, where VPS has issued a tax invoice, credit or debit note.

SCHEDULE 3 - MERCHANT'S QR CODE FACILITY TERMS AND CONDITIONS

The QR Code Terms and Conditions form part of Annexure A and must be read in conjunction with the remaining Terms and Conditions of the main Agreement. A copy of the Terms and Conditions is available on the VPS' Website and can be supplied to the Merchant by post and/or email at the Merchant's request.

DEFINITIONS
1. Mobile Payment Application means the application on a device which allows a Mobile Payments Application User to purchase goods or services from the Merchant through inter alia the scanning of the QR Code. The Mobile Payment Application may allow for various methods of payment; and
2. Mobile Payment Application User means a person who has registered for the Mobile Payments Application and includes a Cardholder.
GENERAL

By Transacting with the QR Code Service, the Merchant hereby endeavor to:
1. Check that the details of the Merchant's sale to the Mobile Payments Application User are correct. This pertains not only to the contents and price of the sale but also to the Merchant's details. Once a Transaction is submitted it cannot be reversed.
2. VPS shall not be responsible for any loss the Merchant suffers if any of the Transaction details are incorrect.
3. The Merchant must only dispatch the Merchant's goods or services to the Mobile Payments Application User once the Merchant has received an authorised Receipt. We are not responsible for any loss the Merchant suffers if they only rely on the Receipt received by the Mobile Payments Application User.
4. The Merchant must ensure that the Merchant's details are accurately updated at all times through the Merchant Portal or by notifying us of any changes by phoning our helpdesk at 082 17855.
REFUNDS AND RETURNS
1. The Merchant undertakes to provide a fair and reasonable refund policy for all goods or services offered for sale through the Service.
2. The Merchant also agrees to process all refunds for Transactions by logging a Refund request with us.
3. The Merchant agrees not to give a cash refund or any other item of value for a Transaction Refund.
4. A fee will be charged on any Refunds processed. We will not refund the Merchant the Merchant Commission in respect of any Refund processed.

Page Description

This Agreement creates a legal relationship between the Merchant and VPS.

Page Title

Merchant Agreement

Keywords

Merchant Agreement

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/vodacom-merchant-agreement

Vodacom Legal Cover Terms and Conditions

Read more about Vodacom Legal Cover Terms and Conditions

CBU

Vodacom Legal Cover

Terms And Conditions

INTRODUCTION

It's our great privilege to welcome you to the Vodacom Insurance family! Today marks the first day of your brand new carefree journey - doesn't it feel great knowing your legal worries are a thing of the past? The Vodacom Legal Cover policy is designed to help you understand your legal rights and enforce these rights with the help of Vodacom Legal Cover.

Kindly note that all policies are underwritten by Vodacom Insurance Company (RF) Limited and all legal and mediation services are managed and co-ordinated by LAW FOR ALL. You couldn't be in better hands.

Your policy gives you access to legal assistance when you need it most, and your benefits kick into gear from the moment we receive your first premium.

TERMINOLOGY

Vodacom Insurance - That's us! Vodacom Insurance Company (RF) Limited, the guys who underwrite the benefits that you'll be enjoying as a Vodacom Legal Cover Policyholder.

LAW FOR ALL - refers to LIPCO Group (Pty) Ltd (the underwriting manager).

Main Policyholder - refers to YOU! The person who signed up for this policy and who is responsible for paying the monthly premium.

Waiting Period - the time that must pass (after your Start Date) before you can start using your benefits. Any legal issue that may arise during the Waiting Period or before the Start Date of your policy, will not be covered.

SARS - refers to the South African Revenue Service.

BENEFITS YOU ENJOY: Vodacom Legal Cover Essential Policy
1. Litigation Benefit
  
  This benefit covers up to R90 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 21, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).
  
  Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:
  1. Civil Actions:
    1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.
    2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.
  2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are not covered.
  3. Employment-Related Cases: where you could lose your job if your boss wins the case.
  4. Divorce Cases: where you aren't challenged by your spouse or don't intend to defend the divorce proceedings started against you (i.e. unopposed divorces).
2. Before we can help you or cover you for any of these cases, there are conditions that apply:
  1. Before you can make use of this benefit, you need to wait 3 months (and in case of divorce, 6 months) as a Waiting Period applies. This also means that, whatever the problem or issue was that led to the court case, it must have originated at least 3 months after your policy has started.
  2. Your monthly Vodacom Legal Cover fees (policy premiums) must be paid and up to date - in other words, we cannot help you if you owe us any money.
  3. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the Vodacom Legal Cover Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim.
  4. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.
  5. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.
  6. When it comes to divorces, you will only be able to use R10 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 6-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 6 months. We also only cover your case if you are unchallenged (in other words, your spouse isn't opposing you), undefended (you don't challenge your spouse's request for divorce), and a settlement has been signed between the two of you.
  7. We can only cover your divorce cases - in other words, only the Main Policyholder.
  8. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.
  9. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.
  10. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.
  11. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.
  12. We cannot cover you if the case is based on any of the following:
    1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.
    2. Where you've been a victim of defamation of character.
    3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.
    4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.
    5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.
    6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.
    7. A Constitutional Court matter.
    8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.
    9. Any case where you were accused of being under the influence of alcohol and/or drugs.
    10. A case or issue where you're allowed to pay an admission of guilt fine.
    11. A claim against the Road Accident Fund (RAF).
    12. Opposed divorces.
    13. Adoption or custody rights.
    14. Political activities in any government, local or tribunal authority that you've taken part in.
3. Additional Benefits:
  
  As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:
  
  Please Note: Any legal matter that is not specifically provided for under BENEFITS YOU ENJOY, will not be covered by your policy. So before you you lodge a claim, please make sure that the legal matter is specifically mentioned in this document.
  1. Access to a 24-hour Legal Emergency Line, which is ideal in the case of (for instance) after-hour bail applications.
  2. Legal Advice: on practically any legal matter where you're involved on a personal level (in other words, not business-related).
  3. Mediation Benefit: Our legal professionals will help you settle all your personal legal matters - in an attempt to avoid the courtroom! This means you don't have to deal with the stress and hassle involved with court cases. We will help you resolve your case by negotiating with third parties via telephone, email, fax and letters. Remember, this does not cover your business matters or matters that arose before you joined.
  4. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.
  5. Up to 35% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).
BENEFITS YOU ENJOY: Vodacom Legal Cover Core
1. Litigation Benefit
  
  This benefit covers up to R170 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 26, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).
  
  Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:
  1. Civil Actions:
    1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.
    2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.
  2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are covered, except in cases that are drug or alcohol related.
  3. Employment-Related Cases: where you could lose your job if your boss wins the case.
  4. Maintenance Hearings: where the other parent is represented by a legal practitioner.
  5. Divorce Cases.
2. Before we can help you or cover you for any of these cases, there are conditions that apply:
  1. Before you can make use of this benefit, you need to wait 1 month (and in case of divorce, 3 months) as a Waiting Period applies. This also means that, whatever the problem or issue was that led to the court case, it must have originated at least 1 month after your policy has started.
  2. Your monthly Vodacom Legal Cover fees (policy premiums) must be paid and up to date - in other words, we cannot help you if you owe us any money.
  3. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the Vodacom Legal Cover Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim. When it comes to criminal cases where you will in all likelihood be found guilty, we will cover you if you plead guilty - that's to say, if the crime was not in any way related to alcohol or drugs.
  4. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.
  5. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.
  6. When it comes to divorces, you will only be able to use R10 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 3-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 3 months.
  7. In a divorce battle, if your spouse has a legal practitioner at their side (and has served you with a Notice if Intention to Defend), this policy will cover you as the Main Policyholder.
  8. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.
  9. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.
  10. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.
  11. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.
  12. We cannot cover you if the case is based on any of the following:
    1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.
    2. Where you've been a victim of defamation of character, and cannot prove that you good name was publically tarnished and that you suffered financial loss as a result.
    3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.
    4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.
    5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.
    6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.
    7. A Constitutional Court matter.
    8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.
    9. Any case where you were accused of being under the influence of alcohol and/or drugs.
    10. A case or issue where you're allowed to pay an admission of guilt fine - you'll have to pay the fine unfortunately.
    11. A claim against the Road Accident Fund (RAF).
    12. Adoption or custody rights.
    13. Political activities in any government, local or tribunal authority that you've taken part in.
3. Additional Benefits:
  
  As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:
  1. Access to a 24-hour Legal Emergency Line: which is ideal in the case of (for instance) after-hour bail applications.
  2. Legal Advice: on practically any legal matter where you're involved on a personal level (in other words, not business-related).
  3. Mediation Benefit: Our legal professionals will help you settle all your personal legal matters - in an attempt to avoid the courtroom! This means you don't have to deal with the stress and hassle involved with court cases. We will help you resolve your case by negotiating with third parties via telephone, email, fax and letters. Remember, this does not cover your business matters or matters that arose before you joined.
  4. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.
  5. Up to 50% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).
  6. One Free Prenuptial Agreement: just remember that this benefit is only available after a 3-month Waiting Period to the Main Policyholder.
  7. Payment of up to R5000 Bail: per policy per year, where the bail application was covered and the bail set an amount no more than R5000 (i.e. no pro rata bail cover where the amount is more than R5000). This amount will be paid to the court, provided that a Vodacom Legal Cover approved Panel Attorney has been instructed to assist with the bail hearing.
  8. Rescission of a Magistrate Court Judgement: provided that the judgement was obtained after the start of your policy. You will need to prove that you have a valid defence or that you have settled the judgement debt in full and that the creditor has agreed to rescission. Kindly note that rescissions based on a creditor's consent are limited to 2 applications per policy per year.
  9. Tax advice: have a look at Annexure A for more details.
    
    Please Note: Any legal matter that is not specifically provided for under BENEFITS YOU ENJOY, will not be covered by your policy. So, before you lodge a claim, please make sure that the legal matter is specifically mentioned in this document.
BENEFITS YOU ENJOY : Vodacom Legal Cover Plus Policy
1. Litigation Benefit
  
  This benefit covers up to R230 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 28, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).
  
  Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:
  1. Civil Actions:
    1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.
    2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.
  2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are covered, except in cases that are drug or alcohol related.
  3. Employment-Related Cases: where you could lose your job if your boss wins the case.
  4. Maintenance Hearings: where the other parent is represented by a legal practitioner.
  5. Divorce Cases.
  6. Representation in Domestic Violence Cases.
2. Before we can help you or cover you for any of these cases, there are conditions that apply:
  1. You can make use of this benefit, if the cause of your legal problem originated after the Start Date of your policy. However, a 3-month Waiting Period applies to divorces. This means that whatever the problem or issue was that led to the divorce, must have originated at least 3 months after your policy started.
  2. Your monthly Vodacom Legal Cover fees (policy premiums) must be paid and up to date - in other words, we cannot help you if you owe us any money.
  3. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the LAW FOR ALL Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim. When it comes to criminal cases where you will in all likelihood be found guilty, we will cover you if you plead guilty - that's to say, if the crime was not in any way related to alcohol or drugs.
  4. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.
  5. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.
  6. When it comes to divorces, you will only be able to use R20 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 3-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 3 months.
  7. In a divorce battle, if your spouse has a legal practitioner at their side (and has served you with a Notice if Intention to Defend), this policy will cover you as the Main Policyholder.
  8. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.
  9. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.
  10. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.
  11. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.
  12. We cannot cover you if the case is based on any of the following:
    1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.
    2. Where you've been a victim of defamation of character, and cannot prove that you good name was publically tarnished and that you suffered financial loss as a result.
    3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.
    4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.
    5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.
    6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.
    7. A Constitutional Court matter.
    8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.
    9. Any case where you were accused of being under the influence of alcohol and/or drugs.
    10. A case or issue where you're allowed to pay an admission of guilt fine - you'll have to pay the fine unfortunately.
    11. A claim against the Road Accident Fund (RAF).
    12. Adoption or custody rights.
    13. Political activities in any government, local or tribunal authority that you've taken part in.
3. Additional Benefits:
  
  As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:
  1. Access to a 24-hour Legal Emergency Line: which is ideal in the case of (for instance) after-hour bail applications.
  2. Legal Advice: on practically any legal matter where you're involved on a personal level (in other words, not business-related).
  3. Mediation Benefit: Our legal professionals will help you settle all your personal legal matters - in an attempt to avoid the courtroom! This means you don't have to deal with the stress and hassle involved with court cases. We will help you resolve your case by negotiating with third parties via telephone, email, fax and letters. Remember, this does not cover your business matters or matters that arose before you joined.
  4. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.
  5. Up to 60% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).
  6. One Free Prenuptial Agreement: just remember that this benefit is only available after a 3-month Waiting Period to the Main Policyholder.
  7. Payment of up to R10000 Bail: per policy per year, where the bail application was covered and the bail set an amount no more than R10000 (i.e. no pro rata bail cover where the amount is more than R10000). This amount will be paid to the court, provided that a LAW FOR ALL approved Panel Attorney has been instructed to assist with the bail hearing.
  8. Rescission of a Magistrate Court Judgement: provided that the judgement was obtained after the start of your policy. You will need to prove that you have a valid defence or that you have settled the judgement debt in full and that the creditor has agreed to rescission. Kindly note that rescissions based on a creditor's consent are limited to 2 applications per policy per year.
  9. Estate Assistance &Tax Advice: - have a look at Annexure A and Annexure B for more details.
  10. Retrenchment Benefit: If you are retrenched, we will provide you with FREE cover for advice and mediation for up to 12 months after you've been retrenched. You must let us now the moment you become employed again.
    
    Please Note: Any legal matter that is not specifically provided for under BENEFITS YOU ENJOY, will not be covered by your policy. So, before you lodge a claim, please make sure that the legal matter is specifically mentioned in this document.
YOUR OBLIGATIONS
1. Don't delay - when you become aware of a legal issue that you need help or cover for, make sure you report it to Vodacom Legal Cover within 31 days!
2. When you want to report a new case, use the contact details on your Client Card to get in touch with us and make sure that you have your policy or ID number on hand.
3. If you feel that you were denied cover without good reason, or if you disagree with the way we handled your case, don't just leave it there! Please put your reasons in writing and send it to the person whose details appear on the rejection letter.
4. Before you claim from your Litigation Benefit, you must first claim from any other insurance you might have - for example, if you were in a car accident, first use your car insurance to repair your car.
5. We can't help you if we don't have enough insight into your case. It's your responsibility to pay for and provide us with all the necessary documents, reports, statements and other evidence that we might need. If you drop the ball and don't send us these documents, we may reject your claim - so please get your matters in order.
6. When it comes to vehicle finance agreements, we can only cover you if you obeyed all terms and conditions. Always make sure that you stick to the rules of the agreement and that your car is only driven by licensed drivers.
7. Whenever you send us information, triple check that it's 100% accurate, and don't keep any important information from us. If you are not honest with us, you can lose your cover entirely and you'll have to foot the bill for all legal fees.
8. If ever you need to use a lawyer who's not part of our team, we ask that you chat to us and get our written approval first. If you don't, you'll have to pay all the legal fees and we won't be able to refund you for it.
9. If you decide not to make use of Vodacom Legal Cover's lawyers to represent you in court, we may only pay your lawyer up to the Vodacom Legal Cover tariffs. Any extra costs will have to come out of your own pocket.
10. Let's talk about the Mediation Benefit - here you're only allowed to make use of the mediators appointed by Vodacom Legal Cover. If you decided to use another mediator who was not approved and appointed by Vodacom Legal Cover (in writing), your policy won't cover it.
11. If you want to cancel your policy, we'll be sad, but we won't stand in your way. We only ask that you give us 31 days' notice (in writing, of course).
12. Should you need to call on any expert witnesses to testify on your behalf, you will have to pay their fees.
PAYMENTS

Your premium must always be paid on a monthly basis, for the month ahead (in advance). This means that you will then be covered until the next month, when your next payment is due. We understand that some months aren't easy, that's why we allow a grace period of 31 days (after the due date) for you to pay your premium. Unfortunately, if we still haven't received your payment by the end of the 31 days, your cover will be stopped. But all is not lost! You can start paying your premium again at any time, but please note that a reinstatement fee will be charged and your policy will have a new Start Date and Waiting Period.

Keep in Mind: Your monthly premium is subject to annual review. That means why may adjust your premium due to external factors (such as inflation, increases in legal fees or operational expenses). Please don't worry! If you won't be able to afford the new premium, let us know and our Sales Agents will get in touch about more affordable options.
AMENDMENTS

If, for whatever reason, we decide to change or cancel your policy, we will give you 31 days' notice. Keep an eye on your inbox, cell phone or post box, because we'll be sending you notifications vial email, SMS or by post! If we feel that you are misusing your benefits or playing fair, we have the right to add extra terms and conditions to your policy. As long as you keep to the rules, we'll go the extra mile for you - simple as that!

USE YOUR BENEFITS

Simply call 082 178 00 or email your problem to [email protected].

Are you happy with our service? Or perhaps feel we can improve? We'd love to hear from you. Contact our Client Service Team on 082 178 00 or send an email to [email protected].

DISCLOSURE NOTICE

IMPORTANT INFORMATION. PLEASE READ CAREFULLY

Know your rights! As a short-term insurance Policyholder, you have the right to receive the following important information - don't forget to keep it in a safe place!

(This notice does not form part of your insurance contract)

ABOUT YOUR INSURER

VODACOM INSURANCE COMPANY (RF) LIMITED is a registered short-term insurer

Address:

Vodacom Corporate Park
082 Vodacom Boulevard
Midrand
1685

Tel: 082 178 00
Email: [email protected]

ABOUT YOUR FINANCIAL SERVICES PROVIDER & ADMINISTRATOR

LIPCO BUSINESS (PTY) LTD is an authorised Financial Services Provider (FSP 43170)

Address:

Blaauwberg Mall, 3 Blaauwberg Road,
Table View, 7443
Postal Address:
PO BOX 11330,
Bloubergrant, 7443

Email: [email protected]
Tel: (021) 522 6400 | Fax: (021) 556 1230

COMPLAINTS

If you feel that you weren't given good advice or the right product information, please let us know! Simply contact the Customer Care Centre on 086 110 2251 or [email protected]

Compliance department

Name: Comply Sure
Tel: (028) 316 4286
Email: [email protected]

The Intermediary is an authorised Financial Services Provider in terms of the FAIS Act and may provide advice relating to short-term insurance products under license 43170.

Exemptions and Restrictions: None

Please note that the Intermediary has no direct or indirect financial interest in the Insurer.

ABOUT THE SERVICE

THE PRODUCT: VODACOM LEGAL COVER

Vodacom Legal Cover is distributed and administered by LIPCO BUSINESS (PTY) LTD, a Category 1 authorised financial services provider, for which they receive a fee.

If you originally signed up through a telemarketer, you can go back to About Your financial services provider and administrator to find the details. Always remember that you are allowed to ask for the recordings of your telephone conversation with the telemarketer at any time, if you need it for any reason.

Nature & Extent of Benefits: please refer to the policy document

Premium payment obligations, manner: please refer to the policy document.

Details of special conditions, and frequency, consequences of exclusions, excesses or restrictions: please refer to the policy document.

OTHER MATTERS OF IMPORTANCE

If you have any complaints or questions about a document, form, product or your policy, please put your complaint in writing and send it to the Underwriting Manager's Complaints Department (see above). If you aren't entirely satisfied with how your issue has been resolved, you can send your complaint to the Ombudsman for Short-term Insurance, or the FAIS ombud. You don't have to take a polygraph or lie detector test in the event of a claim, and even if you failed the test, it might not necessarily be the reason why we reject your claim.

REMEMBER: Your Insurer is not allowed to cancel or stop your insurance just by informing your Intermediary. By law, your Insurer must make sure that you have been notified as well. Always remember that you are allowed to ask for a copy of your policy at any time - free of charge.

WARNING (NOT TO SCARE YOU BUT JUST FOR YOUR SAFETEY)

All material facts must be accurately, fully and properly disclosed to you - in other words, your Insurer must tell you everything.
All information that you provide or that someone else provides on your behalf must be correct - it's your responsibility to double-check it.
Always make sure that you are satisfied with the transaction if it's submitted on your behalf (by the Intermediary) - make sure everything is correct and accurate.
Do not sign any blank or semi-completed application form.
Use an ink pen to complete all forms so that no one can change it without your knowledge.
Keep all documents that you might receive in a safe place.
Make notes whenever someone says something important to you or a discussion takes place.
Don't EVER feel pressurised to buy the product! No matter what the other person says, it's optional.
Always remember - if you're dishonest, it will affect your insurance. Misrepresentation, incorrect or non-disclosure by you of any facts or circumstances may impact your claims.

PARTICULARS OF SHORT-TERM INSURANCE OMBUDSMAN

The ombudsman is available to advise you in the event of claim problems which are not satisfactorily resolved by your financial services provider and/or the insurer.

Postal Address:

1 Sturdee Avenue Cnr Bolton and Baker roads First Floor, Block B, Rosebank

Contact Details:

Tel: (011) 726 8900 | Fax: (011) 726 5501 | Email: [email protected]

PARTICULARS OF THE FINANCIAL ADVISORY & INTERMEDIARY SERVICES OMBUD

When it comes to complaints (related to the FAIS Act), the Ombudsman is always available if you need any advice - especially if you're not happy with the way the complaint has been resolved.

Postal Address:

PO Box 74571, Lynwood Ridge, 0040

Contact Details:

Tel: (+27) 860 324 766 or (012) 470 9080 | Fax: (012) 348 3447 | Email: [email protected]

[email protected]

Page Title

Vodacom Legal Cover Terms and Conditions

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Terms and Conditions

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Siyakha zero-rated sites Terms and Conditions

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Siyakha zero-rated sites

Terms and Conditions

All Vodacom customers using Vodacom SIM cards; on prepaid, post-paid, hybrid and data plans get free access to selected career websites, provided that they access these sites from the Vodacom Siyakha portal.
The Vodacom Siyakha portal will be applicable to all major mobile browsers.
No data charges will apply to customers accessing the zero-rated websites on a device that has a Vodacom SIM card.
Should the customer select/click on a link that directs them away from the specific URL(s) [embedded web link], that usage will billed in accordance to the subscriber's price plan or depleted from any other valid/available data bundle.
If a Vodacom customer is using data from a Vodacom WiFi network, the data usage on the zero-rated websites will be at no cost.
If a Vodacom customer is using data from a non-Vodacom WiFi network, the data usage on zero-rated websites should be charged to the WiFi hotspot.
Vodacom customers will also be able to upload and download files to/from the zero-rated websites at no charge, until the fair usage policy of 1GB per month is reached.
A fair usage policy of 1GB per month per user applies.
Telemetry (M2M etc.) SIM cards are excluded from this benefit.
Vodacom will not be held responsible for any interaction that takes place between customers and the participating websites. Vodacom's role is limited to providing access.
Vodacom reserves the right to suspend the service in the event of suspected abuse where non-compliant devices (as specified by the regulating body, ICASA) are being used on the Vodacom network.
Vodacom may amend these Terms and Conditions by giving customers reasonable notice of any such amendment.

Siyakha Price Plan & Rates

The Siyakha price plan is available to Vodacom Prepaid customers through the Siyakha *188# or *135*88# USSD strings or through Free Change via existing channels (*135*01# USSD, 1181 IVR, , the VodaPay, Mobi or Portal).
This price plan will not be available to Contract, Top Up/uChoose, Community Service and CST Management SIMs.
When you register for Siyakha price plan you are required to provide your South African ID number that will be verified against the Home Affairs database.
Customers who do not have a South African ID number can use the Siyakha price plan without completing the registration process, but will not be eligible for Siyakha Funeral Cover or other Siyakha offers.
Customers can only register once for Siyakha using one MSISDN.
If Free Changing from Power Bonus price plan to Siyakha price plan, your Extra Airtime balance will carry over.
Siyakha price plan rates are as follows (incl. VAT):
1. Calls to any SA network: R1.53 per minute (billed per second)
2. Out of bundle data: R0.99 per MB
3. SMS: 52c per SMS
4. International SMS: R1.74 per 160 characters
5. Call Sponsored calls will be billed at R 1.50 per minute (billed per second).
The following call types will not qualify for the rate:
1. Roaming Calls
2. International calls
3. Premium rated calls
4. SMS, MMS, Data, SVS
5. VAS calls
6. Fax Out dial
When recharging with airtime vouchers or purchasing data or SMS vouchers on the Siyakha price plan you will earn Talking Points.
When recharging with R12 or more on the Siyakha price plan you will receive the Night Shift promotional benefit.
When you have Siyakha Extra Airtime it will deplete first, followed by any active bundles, and then airtime, billed at the specified Siyakha price plan rates.

Siyakha Extra Airtime Rules

On the Siyakha Price Plan you will earn Siyakha Extra Airtime at 50% of the recharge value, expiring at 23:59 on the day of allocation.
Every recharge performed (excluding the Big Bonus voucher and the Passport voucher) will qualify for 50% Siyakha Extra Airtime allocation.
Siyakha Extra Airtime balances will be available in the Promotional Balances menu on USSD, and in Portal, Mobi and the VodaPay App.
Use of the Siyakha Extra Airtime is billed at the following rates (incl. VAT):
1. Calls to any SA network: R1.50 per minute (billed per second)
2. Data: R1.50 per MB
3. SMS: 50c per SMS
You cannot use Siyakha Extra Airtime for the following activities:
1. Roaming calls
2. International calls
3. Premium rated calls & SMSs
4. VAS calls
5. Fax outdial
6. Call Sponsor
7. Video calls (off-net and on-net)
8. Conference calls
9. Directory enquiry calls
10. Call forwarding
11. Phase 2 USSD
12. Data/SMS/MMS/voice/promotional bundles (once-off and recurring)
13. WASP/Content and premium rated services
14. BIS/BES
15. Airtime Transfer
16. To repay Airtime Advance debt (including R1 service fee)
17. For Call Sponsored calls
Talking Points are allocated for the original recharge amount but not for any subsequent Siyakha Extra Airtime allocation.
Talking Points call discounts do not apply while using Siyakha Extra Airtime.
Siyakha Extra Airtime will be forfeited when Free Changing to any price plan other than Power Bonus price plan.
Siyakha Extra Airtime will be forfeited when converting your payment method to Top Up/uChoose or Contract.

Siyakha Funeral Cover Eligibility

Only registered Siyakha price plan customers who are South African citizens between the age of 18 and 60 are eligible for a Siyakha Funeral Cover policy.
Siyakha Funeral Cover applies to an individual life only.
You can have a Siyakha Funeral Cover policy at the same time as 'Cover 4 You' and 'Cover 4 You and Your Family', but only one of each may be active at the same time.
Siyakha Funeral Cover customers cannot access the 'Cover 4 You' and 'Cover 4 You and Your Family' menu at *135*187# to amend their policy, however policy details can be viewed here.

Siyakha Funeral Cover Rules

These rules should be read in conjunction with the Vodacom Funeral Cover Terms and Conditions available at www.vodacom.co.za/funeralcover which outlines generic terms and conditions for all our funeral cover products.
If you are eligible (as per eligibility criteria above), your Siyakha Funeral Cover policy will initiate automatically on registration for Siyakha.
Your policy will become active from the 1st day of the next month after policy initiation.
Your Siyakha Funeral Cover policy starts at R0 cover in the activation month.
To keep your policy active, your SIM card must stay connected on the Vodacom network for a minimum of 30 days in the previous month. This means that your SIM card must be in the phone, the phone must be switched on and you must make or receive a call, send or receive an SMS or Please Call Me or use data or USSD, but it excludes voicemail calls or call forwarding through the SIM card.
Once you have qualified for cover (ie. been active for 30 days in the previous month), the cover amount will be set to R5 000 and a standard 3 month waiting period will start.
During the waiting period, only accidental death will be covered.
If you do not meet the minimum active days in the previous month, you will still enjoy cover for the new month.
If you do not meet the minimum active days for a second consecutive month, your cover will be reset to R0, and the waiting period will reset to 3 months.
Vodacom will send you frequent messages by SMS to help you retain your funeral cover benefits.
How to Claim:
Complaints:
We appreciate you as a client, so if at any point you are unhappy with any aspect of our service or your policy, please contact us using the following:
1. First stop ... is to give us a chance to resolve the matter. To ensure our focused attention, please use the following contact details:
  
  PO Box 3034
  Cape Town
  8000
  Call: 082 178 00
  Email:[email protected]
  Fax: +27 21 465 3920Call: +27 21 465 3920
2. Then if complaints about our service don't get resolved to your satisfaction, we're accountable to the FAIS Ombud. The contact details are as follows:
  
  Office of the FAIS Ombud
  PO Box 74571
  Lynnwood Ridge
  0040
  Call: 0860 324 766
  Email:[email protected]
  Fax: +27 12 348 3447Call: +27 12 348 3447
3. If complaints about our products don't get resolved to your satisfaction, we're also accountable to the Long-Term Insurance Ombud. The contact details are as follows:
  
  Ombudsman for Long-Term Insurance
  Private Bag x45
  Claremont
  7735
  Call: 0860 103 236
  Email:[email protected]
  Fax: +27 21 674 0951Call: +27 21 674 0951
Your policy is underwritten by Vodacom Life Assurance company (RF) Limited and administered by Frank Financial Services (Pty) Ltd, an authorised financial services provider. Should you purchase this policy, your personal details will be passed to our appointed administrator and other partners to process and service this policy.

Page Title

Siyakha zero-rated sites Terms and Conditions

Keywords

Siyakha zero-rated sites Terms and Conditions

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Vodacom Laptop Portable Devices and Quick SIM Cover Terms and Conditions

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Vodacom Laptop Portable Devices and Quick SIM Cover

These terms and conditions cover both the Vodacom Laptop/Portable Devices and the QuickSIM Cover products. These are separate products therefore, please ensure that you make reference to the sections applicable to the products that you purchased as outlined in your policy schedule.

SECTION A (APPLICABLE TO LAPTOP/PORTABLE DEVICE COVER ONLY)

Laptops and Portable Devices: Theft or sudden and unforeseen physical loss of or damage to the equipment used together with the Vodacom Mobile Data Connect Device and SIM card listed on
the attached schedule during the period of insurance from any cause or event not excluded.

Mobile Data Connect Device: If insurance has been selected on this device then the device is covered against sudden and unforeseen physical loss, damage or failure of the device as specified in these terms and conditions from any cause not excluded.

Limits of Indemnity

Laptops and Portable Device: The maximum amount payable in the event of a claim for the Laptop or Portable Device shall be determined in accordance with the prescribed premium bands at the time of inception of contract. Your device will be replaced to the value of the device at the time of loss, theft or damage, or the maximum amount of the sum insured, whichever is the lower.

Mobile Data Connect Device: The maximum amount payable in the event of a claim for the mobile data connect device shall be limited to the value of the device at the time of loss, theft or damage, or the maximum sum insured, whichever is the lower.

Excess payable

Your excess depends on whether your device is repaired or replaced.

Band	Cover	Excess payable by You: Repair	Excess payable by You: Replace
0	R0 - R1 500	10% of Repair Cost OR R150 (whichever is higher)	10% of Replacement Cost OR R150 (whichever is higher)
0.5	R1 501 - R2 500	10% of Repair Cost OR R150 (whichever is higher)	10% of Replacement Cost OR R150 (whichever is higher)
1	R2 501 - R5 000	10% of Repair Cost OR R200 (whichever is higher)	10% of Replacement Cost OR R500 (whichever is higher)
2	R5 001 - R7 000
3	R7 001 - R9 000
4	R9 001 - R12 000
5	R12 001 - R15 000
6	R15 001 - R18 000

In the event of replacement an additional excess of R300 will apply to any claims occurring within 30 days from date of inception of this insurance contract as reflected on the schedule.
In the event of a second repair claim within 12 months of a previous repair claim an additional R300 will be payable.

Specific conditions

Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the Laptop or Portable Device or Mobile Data Connect Device at our sole option, as follows:
1. Partial damage
  Where the equipment can be repaired, we will pay the costs reasonably incurred to restore it to its state of serviceability immediately before the occurrence of the damage. Should such costs exceed 50% of the value of the equipment it will be replaced.
2. Total loss: Subject to the maximum limit of indemnity less the first amount payable we will replace the equipment at the sole option of the insurer as follows:
  1. We will replace the Laptop or Portable Device or Mobile Data Connect Device with equipment of the same or similar type but not more superior to nor more extensive or expensive than the property insured.
  2. Should the Laptop or Portable Device or Mobile Data Connect Device no longer be available, we will replace it with the nearest functionally equivalent model as established by Cellsure (Pty) ltd, less the first amount payable or
  3. Should the insured wish to replace with a more expensive model, the difference in price and the first amount payable will be for your account.

Change of equipment and increase value: It is your duty to notify us in writing if you change your equipment for whatever reason and if such a change leads to the value of the new equipment exceeding the sum insured as defined.

SECTION B (APPLICABLE TO QUICKSIM COVER ONLY)

If QUICKSIM has been selected on the schedule then the SIM card as defined is covered against sudden and unforeseen physical loss, damage or failure of the SIM card as specified in this certificate from any cause not excluded. Vodacom QuickSIM also covers a maximum of R100 per claim (VAT inclusive) for any unauthorized calls made due to loss, theft or damage.

Limits of indemnity

SIM card: The maximum limit of indemnity payable in respect of the SIM card will be the replacement cost of the SIM card. You are allowed 3 SIM card replacements during a 24 month period. No excess charge on claims.

Specific conditions

Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the SIM card at the discretion of the insurer, as follows;

Damage, Loss or Theft
1. Damaged, lost or stolen SIM cards will be replaced with same or SIMilar type
2. Should the SIM card no longer be available we will replace it with the nearest functionally equivalent model as established by the insurer
3. A SIM swop can be done whereby you will retain your MSISDN number.
4. Data is not retrievable on a lost, stolen or damaged SIM.
5. Should you wish to replace the SIM card with a more expensive SIM card, the difference in price payable will be for your account.

SECTION C (APPLICABLE TO LAPTOP/ PORTABLE DEVICES AND QUICKSIM PRODCUTS)

General Exceptions

We will not indemnify you against:

Loss or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, terrorism or public violence or which is insurable by SASRIA (South Africa Special Risks Insurance Association).
Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching or outer casings or keypads.
Loss or damage during the hire or loan of the laptop and/or device to a third party.
Loss of or damage to the laptop and/or device resulting from the theft or any attempt there at from any unoccupied vehicle, unless such vehicle is locked and the laptop and/or device is concealed out of sight and forcible entry into the vehicle is made, necessitating repairs to such vehicle, and the original repairers account for such damage is supplied with the claim.
Loss or damage to batteries, other than when they are stolen or lost together with the laptop and/or device listed on schedule.
Any consequential loss or damage arising from not being able to use the Laptop/Portable Device or SIM card
Any claim arising from abuse, misuse or neglect of the Laptop or Portable Device.
Loss, damage or failure of batteries other than when they are stolen or lost.
Loss or damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.
Any claim in respect of any additional laptop and/or device or accessories including but not restricted to carrying cases or battery chargers.
Theft, loss or damage while your Laptop or Portable Device is being used with a Mobile Data Connect Device issued by any other network.
Reconstruction of data.

General conditions

Other insurance: If you claim from any other insurance policy for loss, theft or damage of the laptop and/or device or SIM, we shall only be liable for a pro rata portion of the claim excluding the excess payable.

Cancellation of cover

You have 30 days from receipt of your policy document to cancel your policy. You will receive a refund of any premiums already paid unless the insurer has already been notified of a claim.
General: After this initial 30 day cooling off period this policy may be cancelled by you or the insurer giving 30 days notice in writing. Cover is automatically suspended if the mobile data connect device is barred or disconnected by Vodacom.
Multiple claims: In the event that 3 or more claims are lodged against this policy in any 12 month period, we may at our discretion give 30 days' notice of cancellation due to adverse claims experience.

Claims

If the laptop and/or device is lost, stolen or damaged you must report the claim to Cellsure (Pty) ltd as soon as possible after discovery of the loss, and within 30 days of the claim occurring.
Stolen or lost laptop and/or devices must be reported to the South African Police Services and a case number must be obtained and given to Cellsure (Pty) Ltd together with the claim form.
A claim form must be completed and sent to Cellsure (Pty) ltd within 30 days of the claim occurring.
You must give all reasonable assistance in the recovery of the lost or stolen laptop and/or device and identification thereof.
If the insurer has paid your claim in respect of a lost or stolen laptop and/or device, and your laptop and/or device is recovered, the recovered laptop and/or device become the property of the insurer. If you are given a replacement laptop and/or device in respect of a laptop and/or device which is beyond economical repair, the damaged laptop and/or device becomes the property of the insurer.
Vodacom or Cellsure must be in possession of the damaged laptop and/or device to determine whether or not the laptop and/or device is beyond economical repair.
In the event of your claim being the subject of a dispute or is rejected by us you may make representation to us. If you are unsatisfied with the outcome of your claim, you are entitled to approach the Short Term Insurance Ombudsman.
Should you fail to collect a laptop and/or device which has been repaired or replaced within 60 (sixty) days from date of loss or damage, you will forfeit the claim and the laptop and/or device will be sold or returned to stock to defray expenses.
If you are in arrears with your account all outstanding premiums must be paid in order for us to assess a claim
In the event of the laptop and/or device being lost or stolen the laptop and/or device must be blacklisted

How to block your Mobile Data Connect Device

In the event of the Mobile Data Connect Device being stolen or lost you must arrange for the Mobile Data Connect Device to be blocked
1. Phone Vodacom Customer Care on 082 135.
2. Contact your nearest Vodacom Dealer.
Failure to comply with claim conditions indicated above above will lead to rejection of your claim.

Fraud

If any claim is in any respect fraudulent, all benefits under this policy shall be forfeited.

No rights to other persons

You may not transfer any rights under this policy to a third party.

Premium payment

If the premium is not paid on the date that it was due to be paid,

As a result of payment having been stopped by you this policy will be cancelled at 16h00 on the due date that the premium was due to be paid.
For any reason other than described in 7.a) above, we will re-debit in the following month and should the outstanding premium not be paid when re-debited, the policy will be cancelled retrospectively.

Duty to safeguard Laptops and Portable Devices or Mobile Data Connect Device

You shall at all times take reasonable steps to safeguard the Laptops and Portable Device or Mobile Data Connect Device from loss, damage or theft.

Misrepresentation, non-disclosure or false declaration

Any material misrepresentation, non disclosure or false declaration shall render the policy as a whole, voidable from date of inception at the instance of the insurer. In such an event,:

You will be liable to reimburse any amounts paid to you under this policy to the insurer; and
The insurer will not be obliged to pay any claim lodged under this policy.

SECTION A (APPLICABLE TO LAPTOP/PORTABLE DEVICE COVER ONLY)

Laptops and Portable Devices: Theft or sudden and unforeseen physical loss of or damage to the equipment used together with the Vodacom Mobile Data Connect Device and SIM card listed on the attached schedule during the period of insurance from any cause or event not excluded.

Limits of Indemnity

Excess payable

Total loss, theft or beyond economic repair (as determined by an authorised Vodacom repair centre)

You will pay 10% of the replacement value of the laptop and/or device with a minimum value of R500 for each claim
An additional excess of R300 will apply to any claims occurring within 30 days from date of inception of this insurance contract as reflected on the schedule.

Repairable damage or breakdown

You agree to pay the first 10% of the repair cost subject to a minimum of R200.
In the event of a further claim within 12 months of a previous claim an additional R300 will be payable.

Specific conditions

Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the Laptop or Portable Device or Mobile Data Connect Device at our sole option, as follows:

Partial damage
Where the equipment can be repaired, we will pay the costs reasonably incurred to restore it to its state of serviceability immediately before the occurrence of the damage. Should such costs exceed 50% of the value of the equipment it will be replaced.
Total loss: Subject to the maximum limit of indemnity less the first amount payable we will replace the equipment at the sole option of the insurer as follows:
1. We will replace the Laptop or Portable Device or Mobile Data Connect Device with equipment of the same or similar type but not more superior to nor more extensive or expensive than the property insured.
2. Should the Laptop or Portable Device or Mobile Data Connect Device no longer be available, we will replace it with the nearest functionally equivalent model as established by Cellsure (Pty) ltd, less the first amount payable or
3. Should the insured wish to replace with a more expensive model, the difference in price and the first amount payable will be for your account.
  
  Change of equipment and increase value: It is your duty to notify us in writing if you change your equipment for whatever reason and if such a change leads to the value of the new equipment exceeding the sum insured as defined.

SECTION B (APPLICABLE TO QUICKSIM COVER ONLY)

Limits of indemnity

Specific conditions

Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the SIM card at the discretion of the insurer, as follows;

Damage, Loss or Theft
1. Damaged, lost or stolen SIM cards will be replaced with same or SIMilar type
2. Should the SIM card no longer be available we will replace it with the nearest functionally equivalent model as established by the insurer
3. A SIM swop can be done whereby you will retain your MSISDN number.
4. Data is not retrievable on a lost, stolen or damaged SIM.
5. Should you wish to replace the SIM card with a more expensive SIM card, the difference in price payable will be for your account.

SECTION C (APPLICABLE TO LAPTOP/ PORTABLE DEVICES AND QUICKSIM PRODCUTS)

General Exceptions

We will not indemnify you against:

Loss or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, terrorism or public violence or which is insurable by SASRIA (South Africa Special Risks Insurance Association).
Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching or outer casings or keypads.
Loss or damage during the hire or loan of the laptop and/or device to a third party.
Loss of or damage to the laptop and/or device resulting from the theft or any attempt there at from any unoccupied vehicle, unless such vehicle is locked and the laptop and/or device is concealed out of sight and forcible entry into the vehicle is made, necessitating repairs to such vehicle, and the original repairers account for such damage is supplied with the claim.
Loss or damage to batteries, other than when they are stolen or lost together with the laptop and/or device listed on schedule.
Any consequential loss or damage arising from not being able to use the Laptop/Portable Device or SIM card
Any claim arising from abuse, misuse or neglect of the Laptop or Portable Device.
Loss, damage or failure of batteries other than when they are stolen or lost.
Loss or damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.
Any claim in respect of any additional laptop and/or device or accessories including but not restricted to carrying cases or battery chargers.
Theft, loss or damage while your Laptop or Portable Device is being used with a Mobile Data Connect Device issued by any other network.
Reconstruction of data.

General conditions

Other insurance: If you claim from any other insurance policy for loss, theft or damage of the laptop and/or device or SIM, we shall only be liable for a pro rata portion of the claim excluding the excess payable.
Cancellation of cover
1. You have 30 days from receipt of your policy document to cancel your policy. You will receive a refund of any premiums already paid unless the insurer has already been notified of a claim.
2. General: After this initial 30 day cooling off period this policy may be cancelled by you or the insurer giving 30 days notice in writing. Cover is automatically suspended if the mobile data connect device is barred or disconnected by Vodacom.
3. Multiple claims: In the event that 3 or more claims are lodged against this policy in any 12 month period, we may at our discretion give 30 days' notice of cancellation due to adverse claims experience.
Claims
1. If the laptop and/or device is lost, stolen or damaged you must report the claim to Cellsure (Pty) ltd as soon as possible after discovery of the loss, and within 30 days of the claim occurring.
2. Stolen or lost laptop and/or devices must be reported to the South African Police Services and a case number must be obtained and given to Cellsure (Pty) Ltd together with the claim form.
3. A claim form must be completed and sent to Cellsure (Pty) ltd within 30 days of the claim occurring.
4. You must give all reasonable assistance in the recovery of the lost or stolen laptop and/or device and identification thereof.
5. If the insurer has paid your claim in respect of a lost or stolen laptop and/or device, and your laptop and/or device is recovered, the recovered laptop and/or device become the property of the insurer. If you are given a replacement laptop and/or device in respect of a laptop and/or device which is beyond economical repair, the damaged laptop and/or device becomes the property of the insurer.
6. Vodacom or Cellsure must be in possession of the damaged laptop and/or device to determine whether or not the laptop and/or device is beyond economical repair.
7. In the event of your claim being the subject of a dispute or is rejected by us you may make representation to us. If you are unsatisfied with the outcome of your claim, you are entitled to approach the Short Term Insurance Ombudsman.
8. Should you fail to collect a laptop and/or device which has been repaired or replaced within 60 (sixty) days from date of loss or damage, you will forfeit the claim and the laptop and/or device will be sold or returned to stock to defray expenses.
9. If you are in arrears with your account all outstanding premiums must be paid in order for us to assess a claim
10. In the event of the laptop and/or device being lost or stolen the laptop and/or device must be blacklisted
How to block your Mobile Data Connect Device
1. In the event of the Mobile Data Connect Device being stolen or lost you must arrange for the Mobile Data Connect Device to be blocked
  1. Phone Vodacom Customer Care on 082 135.
  2. Contact your nearest Vodacom Dealer.
2. Failure to comply with claim conditions indicated above above will lead to rejection of your claim.
Fraud

If any claim is in any respect fraudulent, all benefits under this policy shall be forfeited.
No rights to other persons

You may not transfer any rights under this policy to a third party.
Premium payment

If the premium is not paid on the date that it was due to be paid,
1. As a result of payment having been stopped by you this policy will be cancelled at 16h00 on the due date that the premium was due to be paid.
2. For any reason other than described in 7.a) above, we will re-debit in the following month and should the outstanding premium not be paid when re-debited, the policy will be cancelled retrospectively.
Duty to safeguard Laptops and Portable Devices or Mobile Data Connect Device

You shall at all times take reasonable steps to safeguard the Laptops and Portable Device or Mobile Data Connect Device from loss, damage or theft.
Misrepresentation, non-disclosure or false declaration

Any material misrepresentation, non disclosure or false declaration shall render the policy as a whole, voidable from date of inception at the instance of the insurer. In such an event,:
1. You will be liable to reimburse any amounts paid to you under this policy to the insurer; and
2. The insurer will not be obliged to pay any claim lodged under this policy.

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Vodacom Laptop Portable Devices and Quick SIM Cover Terms and Conditions

Keywords

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Wisdom Funeral Cover Terms and Conditions

Read more about Wisdom Funeral Cover Terms and Conditions

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Wisdom Funeral Cover Terms and Conditions

DEFINITIONS

Accidental Death	Means a sudden and unexpected event resulting in your untimely death as confirmed by clinical examination. Please note that any event occurring before your Cover Start Date is specifically excluded.
Beneficiary	Is the person(s) entitled to the proceeds of the death benefits of the Policy Owner.
Child	Means an unmarried dependent child, step-child, illegitimate child, legally adopted child or grandchild (whose parents are both deceased) of the Policy Owner. A dependent child that attained the age of 18 years shall no longer be covered under this policy, unless enrolled as a full time student at a registered tertiary institution until a maximum age of 21. We may request proof of dependency at claims stage. In respect of step-children we will require the relevant marriage certificate between the biological parent and the stepparent.
Extended Family	Includes additional spouses and children; siblings; parents; grandparents; aunts; uncles; cousins; nieces and nephews. All relationships of Extended Family members are defined in terms of biological relatives of the Policy Owner or Spouse.
Policy Owner	The person indicated as such on your Policy Schedule. This is the person who applied for the policy and who is also responsible for payment of the premium.
Spouse	Means the person married to the Policy Owner and named in your Policy Schedule. Cover is limited to one nominated spouse. Proof of such union will be requested at claims stage.
Cover Start Date	Means the day on which your premium is successfully deducted from your bank account and you are thereby covered under this policy.

WHAT THIS POLICY COVERS

This policy pays out a tax-free cash lump sum to your beneficiary if you die, and to you (the Policy Owner) if someone else covered on the policy dies. The money may be used for funeral and related expenses.
WHO CAN BE COVERED?

Cover can be taken out for yourself, your family and parents subject to the following restrictions:
- One legally recognized spouse may be covered;
- Your biological, adopted and step-children under the age of 18 years old may be covered. All listed children are covered at no additional cost to you;
- A maximum of six extended family members may be covered.
- Cover for stillborn children (after the 28th week of pregnancy) and babies (younger than 12 months) is an additional, automatic benefit.
  
  New born children are to be added to the policy within 3 months of birth for cover to be provided.
  
  A maximum of one claim for a stillborn child will be paid over the policy term.
WHO QUALIFIES TO GET THIS POLICY?

To be eligible for cover under the policy, the following conditions must be met at the start date:
- All persons covered under this policy must be South African citizens;
- You (the Policy Owner) must be 18 years old and not older than 74 years of age in order to qualify for this policy;
- Your spouse must be 18 years old and not older than 74 years of age in order to be covered under this policy;
- Your biological and adopted children must be below the age of 18 years of age in order to be covered under this policy;
- Extended family members must be between 18 and 64 years old in order to be added to this policy;
- You must agree to the terms and conditions of this policy agreement.
WHEN DOES YOUR POLICY START?

Cover commences on the Cover Start Date subject to successful collection of the first premium.
COVER AMOUNTS

The following cover limits apply:
- Your cover amount and the cover amount for your spouse and extended family members cannot exceed R50 000.
- The cover amount for your children younger than 12 months old cannot exceed 12.5% of your cover amount subject to maximum of R6 250 as per applicable insurance legislation.
- The cover amount for your children between 1 and 6 years old cannot exceed 25% of your cover amount subject to maximum of R10 000 as per applicable insurance legislation.
- The cover amount for your children between 6 and 13 years old cannot exceed 50% of your cover amount subject to a maximum of R25 000 as per applicable insurance legislation.
- The cover amount for your children between 14 and 18 years old cannot exceed R50 000.
- The amount paid for a stillborn baby is 12.5% of the main member's cover amount up to a maximum of R6 250.
WHAT BENEFITS ARE DUE TO YOU?
1. Basic Cover:
  
  On approval of a valid claim, the cash benefit as outlined in your policy schedule will be made available as a tax fee cash lump sum and paid into your nominated bank account, which we will request from you as part of the claims process.
2. Value Added Benefits:
  
  If value added benefits have been activated, the following value added benefits will be made available on notification of a claim:
  - A R300 airtime benefit, in the form of a voucher, to a non-contract cell phone number of the beneficiary's choosing.
  - Dispatch of a Vodacom Bereavement Box to the appointed beneficiary within 48 hours of a valid claim. This includes:
    1. Debit card preloaded with R500 to be used as the beneficiary sees fit.
    2. Frequently Asked Questions sheet and pamphlets to assist with funeral arrangements.
    3. Government forms to be completed for death certificate.
  - Access to a 24 hour Emergency Assistance Helpline where we will provide the beneficiary with counselling by trained medical professionals in relation to the death claimed for on the policy. This is a 24-hour emergency assistance helpline that:
    1. Arranges the nearest local emergency assistance service as well as provides emergency transport to the nearest, most appropriate medical facility should this be required by a family member.
    2. Offers referrals for psychiatric consultations
    3. Child play therapy
    4. 10 trips per annum related to the policy within the metropolitan areas, to assist with trauma visits and/or funeral arrangements.
    5. Vodacom Legal Advice Line
  - As an additional benefit, any Vodacom Funeral Policy Owner who joins the VIA loyalty and benefits program as a Member will have 24-hour Legal Assistance via the Vodacom Legal Advice Line.
  - The Vodacom Legal Advice Line is a comprehensive legal assistance service available to the Member. Qualified lawyers and legal consultants as well as academics provide the service telephonically.
3. To use this benefit simply call 082 178 00
  - In the event of a trauma, such as rape and accident, this benefit offers trauma, assault and HIV protection, as well as emergency medical services.
  - Repatriation of the deceased within the borders of South Africa, Lesotho, Swaziland, Zimbabwe, Namibia and Mozambique. This benefit is only available to the Policy Owner, as well as the Policy Owner's Spouse, 5 children and 2 External Family members who must be covered under this policy. The service assists the bereaved family and next-of-kin with the facilitation of the burial. It comprises of the following: a.
    - Locating of the deceased
    - Overnight accommodation for the next-of-kin in order to identify the body (up to R1500)
    - Repatriation of mortal remains to a place of burial, at no extra cost (only in SA)
    - Referral to a pathologist if an autopsy is required
    - Referral to a reputable undertaker
    - Assistance with funeral arrangements
    - Advice on how to apply for death certificate and border-crossing documentation
    - Interpretation of legal documentation such as the funeral policy
    - Referral to counselling services for support and advice
  - Please note that the value added benefits are non-transferable and cannot be exchanged for cash.
WHAT DO YOU PAY?

The total premium, as stated in this policy agreement, includes all the premiums for all the persons covered under this policy. You need to ensure that there is money in your chosen bank account on the monthly payment date.

If a premium is not received when due, a grace period of 15 days will be applied. We will attempt to collect your premium within this 15 day grace period. If we are unsuccessful in collecting your premium and it remains unpaid on day 16 then your policy will no longer be valid and any benefit or cover shall no longer be provided. Premiums may be changed anytime if Vodacom feels that these are no longer sufficient.

Vodacom will let you know in writing 30 (thirty) days in advance of any changes to your premium and you will be afforded an opportunity to select alternatives to mitigate the impact of the change in premiums.

THESE ARE IMPORTANT POINTS FOR YOU TO REMEMBER:
WAITING PERIODS

Persons covered under this policy have a three-month waiting period for death as a result of natural causes. No such waiting period applies if your death is an Accidental Death. The waiting period for each person covered starts from their cover start date and recommences for any part of cover that is increased on the date that the increase in cover commences.

This waiting period applies to all benefits under this policy.

We reserve the right to waive the waiting period at our discretion.
EXCLUSIONS

We will not pay any benefit if death arises directly or indirectly from any of the items listed below:
- Suicide within 12 months of cover commencement, reinstatement or cover increase;
- Excessive consumption of alcohol, intentional inhalation of fumes, intentional and negligent consumption of poisons, drugs, narcotics or medication (unless prescribed by an independent medical practitioner and used as described);
- Participation in hazardous sports or pursuits which increase the risk of death for the life assured. These activities include, but are not limited to, rock climbing, scuba diving, paragliding, hang-gliding, fighting (except for self-defence) and speed contests.
- Willful and material breaking of any law by the life assured;
- Participation in war and/or acts of war, whether declared or not;
- Participation in civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism;
- Radioactivity and nuclear explosions;
- Fraud, misrepresentation and failure to disclose information.
CESSIONS

This cover may not be ceded or transferred to a third party as security for a debt or for any other reason.
CLAIMS
- In order to register a claim, you will be required to call Vodacom Life on our 24/7 emergency support number, in order to report and notify us of a death claim. A validation process will be initiated and a check will be conducted against the following criteria:
  - An active policy needs to be place at the time of loss;
  - Activation of value added benefits;
  - All premiums need to have been paid in full;
  - Confirmation needs to be provided that the insured event (death) has occurred, and
  - The deceased is covered on the policy.
  - The claimant must have the following information available when they contact us:
  - The Insured Life's policy number and/or ID number.
  - The date and cause of the claim event.
- We will advise what documents we need in order to process the claim. Generally we require the following documentation:
  - a fully completed claim form;
  - a certified copy of the South African death certificate;
  - a BI1663 form;
  - the deceased's ID as well as the beneficiary's ID;,
  - a certified copy of a marriage certificate if claiming for a spouse;
  - an unabridged birth certificate if claiming for a child;
  - proof of bank account; and
  - a police report and/or post-mortem if death is an Accidental Death.
- All information provided is at the claimant's own cost. We reserve the right to request any additional information or documentation required to validate the claim.
  
  It's important that we are informed about the event that leads to the claim within 180 days of it happening. The claim may be declined if we are not informed in time. We will usually pay out a valid claim within 48 hours of verifying all required claim documents as deemed necessary by the insurer. Should you or your beneficiaries wish to dispute a claim decision, they have to do so within 180 days of receiving a formal communication about the outcome of the claim. You and your beneficiaries must submit the reasons for the dispute in writing for it to be re-assessed. If they would like to institute legal proceedings, it must be done within 180 days of receiving a formal communication of the claim outcome.
  
  It is your responsibility to make sure that we always have up-to-date contact information for you and your beneficiaries. If we become aware that there are payouts due to be made under this policy agreement, we will always first try to contact your beneficiaries at the last contact details provided to us. If we are not able to make contact, we have to take reasonable steps to find the beneficiaries. In order to do this, we may have to appoint external tracing agents and this agreement permits us to give the tracing agents access to personal information. Please also note that a tracing and management fee may be deducted from the payout amount. We will pay interest, if applicable.
  
  If any claim under this policy involves fraud, misrepresentation or false information, the policy agreement may be cancelled. In this case, no payouts will be made and no premiums will be refunded.
COMPLAINTS

Vodacom provides a complaint resolution process which aims to address any dissatisfaction you may have with your policy. You can contact our Complaints Department on 082 178 00 or [email protected].

Should you be dissatisfied with the outcome, you have the right to contact the Ombudsman for Long-Term Insurance by writing to: Ombudsman for Long Term Insurance, Private Bag X45, Claremont, 7735 or email [email protected].

For complaints about our services, you can contact the FAIS Ombudsman by writing to: PO Box 74571, Lynwood Ridge,

0040 or email [email protected].
COMPLIANCE

The Compliance Department can be contacted by calling our Customer Care Centre on 082 178 00.
CANCELLATION AND COOLING OFF PERIOD

If you decide to cancel the policy agreement within the cooling-off period of 30 days after receiving this policy agreement, we will refund any premiums already made under this policy agreement. The cooling-off period only applies if a claim has not been submitted or if no cover amounts have been paid out to you or your beneficiary.

You can cancel this policy agreement at any time by sending us a cancellation request in writing on the following contact details:

Email: [email protected]

Fax: 086 415 3186

Address: PO Box 3306, Cramerview, Bryanston, 2060.

The agreement will come to an end on the last day of the calendar month for which you have already made your payment and no cover will be provided after that date. In such an event no premiums will be refunded to you.
CONTINUATION OPTION

This policy will automatically come to an end in the event of your death. In the event of your death, your spouse can take out a new policy with us. If your spouse takes out a new policy within three months after your death, we will carry the waiting periods and exclusions for each person covered under this policy over to your spouse's new policy.

Furthermore, since children are only covered up to the age of 18, there is an option for a child to purchase their own policy at standard rates, with no additional waiting period. Cover for children will end on the birthday month of the child's 18th birthday.
FORCE MAJEURE

Force Majeure refers to circumstances beyond our reasonable control, such as an act of God, acts of the State or Government, exceptional weather conditions, total national electricity failures, war or war-like activities or serious delays in public transport that may prevent us from carrying out our obligations under this agreement. In the event of a force majeure this agreement will be suspended until we can deliver on our obligations. We will, if possible, notify you of the suspension and the estimated duration of the suspension. We will not be liable for any damages caused as a result of the suspension.
CONFIDENTIALITY AND SHARING OF INFORMATION

By taking out this policy, you hereby authorize Vodacom Life to obtain personal information from you, and when required, from an independent third party, which may be needed to assess the risks to which the policy agreement relates or for the purposes of entering into or performing in terms of a policy agreement, and or to assess claims in respect of contracts to which this policy agreement relates. Please refer to our privacy notice for a description of how we process your personal information.

As agreed, personal information will be stored, processed and used only by our partners. This may include the exchange of information regarding the payment history of the person who is responsible payment of the premiums.

Please note that for risk management purposes we may exchange claim information with other insurers. Where you provided personal information of a third party, for example, your beneficiaries, you confirm that you have provided the information with due permission.
- You have the option to opt out of this loyalty benefit at any time by emailing [email protected].
- Cover on your Vodacom Funeral Insurance Policy is only subject to the insurance premium being paid and is not dependent on meeting the requirements as set out in the terms and conditions of this loyalty benefit.
- The Vodacom Legal Advice Line is provided by Vodacom Insurance Company (RF) Limited and administered by LIPCO Business (Pty) Ltd, an authorised financial services provider
- For any queries or should you wish to lodge a complaint regarding the loyalty program please contact us on 082 178 00.

E - FURTHER BENEFITS

VIA wishes to show its appreciation to its Members by adding more loyalty benefits to this program from time to time. Vodacom may also amend the type of benefits available under this program and will provide its Members with reasonable prior written notice in event of any such change.

Scope

This Privacy notice applies to the use of, purchase or other interaction with Vodacom funeral cover. Unless context dictates otherwise, the Vodacom Privacy Statement on https://www.vodacom.co.za/vodacom/terms/privacy-policy shall also apply to all interactions with

Vodacom Funeral Cover, regarding any collection, use or other processing of personal information.

Personal Information Collected

Vodacom only collects personal information required to enter into a Vodacom Funeral Cover agreement, and provide the related services in relation to the agreement;
Information collected by Vodacom includes, Name and Surname, Identity Number, Contact Number, Email Address, Bank Account Number and Policy Agreement Number.
Vodacom does not obtain additional personal information from other sources, without your express consent.

Uses and Sharing

Vodacom processes the information to provide you with funeral cover as per agreement, for purposes of entering into or performing in terms of a contract and may use the information to provide you with information on related products or offer discount certain offerings;
Vodacom will use the personal information you provide only for purposes consistent with the reason you provided it;
Vodacom does not share your personal information with other marketers unless Vodacom have obtained your explicit consent. If you do not provide your consent, Vodacom will not share your personal information;
When Vodacom provides personal information to companies that perform services on our behalf, Vodacom require those companies to handle the personal information in accordance with our full privacy notice, as well as applicable privacy legislation. These companies cannot use your personal

Your Rights

You may access personal information that Vodacom holds about you. You can ask us to correct any errors or delete the personal information Vodacom have about you;
You may opt-out of any marketing messages or further contact from us;
To protect your privacy, Vodacom may have to verify your identity before Vodacom can give you access to, or change, personal information about you.

How to Contact Us

Call us on 082 178 00
Email: [email protected]

Page Description

This policy pays out a tax-free cash lump sum to your beneficiary if you die.

Page Title

Wisdom Funeral Cover

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Wisdom Funeral Cover

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Vodacom Funeral Cover Terms and Conditions

Read more about Vodacom Funeral Cover Terms and Conditions

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Vodacom Funeral Cover Terms and Conditions

DEFINITIONS

Policy Owner	The person indicated as such on the Policy Schedule. This is the person who applied for the policy, who is the owner of the policy and is also responsible for payment of the premium.
Insured(s)	Includes all the lives insured under the Policy added by the Policy Owner. All Insureds, apart from the Policy Owner, must be family members of the Policy Owner for whom the Policy Owner has insurable interest. All Insured(s) must reside permanently in South Africa.
Spouse	Means the Spouse of the Policy Owner named in your Policy Schedule and includes a party to a marriage under the Marriage Act, 1961 or civil union partner under the Civil Union Act, 2006; or a spouse according to the Recognition of Customary Marriages Act, 1998; or a permanent life partner of the main member who the insured lived with for a period longer than 12 months prior to death and they shared a common household and living expenses. Cover is limited to one nominated spouse. Proof of such union will be requested at claims stage.
Child(ren)	Means the biological child, stepchild, legally adopted child or grandchild (whose parents are both deceased) of the Policy Owner. A dependent child that attained the age of 18 years shall no longer be covered under this policy, unless enrolled as a full-time student at a registered tertiary institution until a maximum age of 21. We may request proof of dependency at claims stage. In respect of stepchildren we will require the relevant marriage certificate between the biological parent and the stepparent. All listed children are covered at no additional cost to you. A maximum of six children may be added on a policy
Extended Family	Includes additional spouses and children, siblings, parents, grandparents, aunts, uncles, cousins, nieces and nephews. All relationships of Extended Family members are defined in terms of biological relatives of the Policy Owner or Spouse. A maximum of six Extended Family members may be added on a policy.
Beneficiary	Is the person(s) entitled to the proceeds of the death benefits of the Policy Owner.
Accidental Death	Means death caused solely by injury sustained during an Accident, within 90 days of the Accident, which is not related to any other causes. The death must be caused directly and independently of all other causes by some external and visible means. Please note that any event occurring before Cover Start Date is specifically excluded.
Cover Start Date	Means the day of your first successful premium collection and as stated in your Policy Schedule. Your waiting periods also commence from this date.

WHAT THIS POLICY COVERS

This policy pays out a tax-free cash lump sum to your beneficiary if you die, and to you (the Policy Owner) if someone else covered on the policy dies. The money may be used for funeral and related expenses.

WHO QUALIFIES FOR THIS POLICY?

To be eligible for cover under the policy, the following conditions must be met at the start date:

All persons covered under this policy must be South African citizens;
You (the Policy Owner) must be between 18 and 74 years of age and in possession of a green barcoded identity (ID) book or smart card ID;
Your spouse must be between 18 and 74 years of age;
Your children must be below the age of 18 years. Cover for stillborn children (and babies (younger than 3 months) is an additional, automatic benefit. A maximum of one claim for a stillborn child will be paid over the policy term.
Extended family members must be between 18 and 64 years of age in order to be covered under to this policy;
You must agree to the terms and conditions of this policy agreement.

WHEN DOES YOUR POLICY START?

Cover commences on the Cover Start Date subject to successful collection of the first premium.

WHEN DOES THE POLICY AND COVER END?

This policy and all cover ends:

If the policy lapses
If Policy Owner or Vodacom Life cancels the policy
Upon the death of the Policy Owner, unless the Continuation Option is applied.

COVER AMOUNTS

The following cover limits apply:

Your cover amount and the cover amount for your spouse, parents and extended family members cannot exceed R50 000.
The cover amount for your children younger than 6 years old cannot exceed 50% of your cover amount subject to maximum of R20 000 as per applicable insurance legislation.
The cover amount for your children between 6 and 13 years old cannot exceed 75% of your cover amount subject to a maximum of R50 000 as per applicable insurance legislation.
The cover amount for your children between 14 and 18 years old cannot exceed R50 000.
The amount paid for a stillborn baby is 12.5% your cover amount up to a maximum of R7 500.

WHAT BENEFITS ARE DUE TO YOU?
- Basic Cover

On approval of a valid claim, the cash benefit as outlined in your policy schedule will be made available as a tax fee cash lump sum and paid into your nominated bank account, which we will request from you as part of the claims process.

VodaPay Data Rewards

VodaPay Data Rewards provide qualifying Vodacom Funeral Cover Policy Owners, who have selected the benefit, with discounted data of up to 1GB per month. In order to qualify for this benefit, the Policy Owner must:

Hold a valid and up to date Vodacom Funeral Cover Policy and be covered for at least R20 000 on such a policy.
Be an active Vodacom contract or prepaid subscriber
Have an active VodaPay account and must visit the app at least once a month.
Have their Vodacom number as the primary contact number on their policy and use the same on the VodaPay App.

The data applicable per cover amount is as follows:

Total Cover Required Single Insured Policy (Policy Owner Only)	Total Cover Required Multiple Insureds Policy (Policy Owner + Spouse + Extended Family)	Applicable Data Benefit
R20 000 to <R30 000	R20 000 (Policy Owner)	250MB
R30 000 to <R40 000	R20 000 (Policy Owner) + R10 000 (Spouse + Extended Family)	500MB
R40 000 to <R50 000	R20 000 (Policy Owner) + R20 000 (Spouse + Extended Family)	750MB
R50 000+	R20 000 (Policy Owner) + R30 000 (Spouse + Extended Family)	1GB

Please note that the data reward will only be allocated to the contact number provided on the policy and cannot be exchanged for cash. If the data benefit is due to you in any month, it will be automatically allocated on the 15th every month. The data will expire after 14 days once allocated and any unused data benefit will be forfeited. Please visit https://www.vodacom.co.za/vodacom/terms/competition/funeral-cover-rewards for detailed terms and conditions.

Value Added Benefits:

If value added benefits have been activated, the following value-added benefits will be made available on notification of a claim:

A R300 airtime benefit, in the form of a voucher, to a non-contract cell phone number of the beneficiary’s choosing.
Dispatch of a Vodacom Bereavement Box to the appointed beneficiary within 48 hours of a valid claim. This includes:
1. Debit card preloaded with R500 to be used as the beneficiary sees fit.
2. Frequently Asked Questions sheet and pamphlets to assist with funeral arrangements.
3. Government forms to be completed for death certificate.
Access to a 24-hour Emergency Assistance Helpline where we will provide the beneficiary with counselling by trained medical professionals in relation to the death claimed for on the policy. This is a 24-hour emergency assistance helpline that:
1. Arranges the nearest local emergency assistance service as well as provides emergency transport to the nearest, most appropriate medical facility should this be required by a family member.
2. Offers referrals for psychiatric consultations
3. Child play therapy
4. 10 trips per annum related to the policy within the metropolitan areas, to assist with trauma visits and/or funeral arrangements.
Repatriation of the deceased within the borders of South Africa, Lesotho, Swaziland, Zimbabwe, Namibia and Mozambique. This benefit is only available to the Policy Owner, as well as the Policy Owner’s Spouse, 5 children and 2 External Family members who must be covered under this policy. The service assists the bereaved family and next-of-kin with the facilitation of the burial. It comprises of the following:
1. Locating of the deceased
2. Overnight accommodation for the next-of-kin in order to identify the body (up to R1500)
3. Repatriation of mortal remains to a place of burial, at no extra cost (only in SA)
4. Referral to a pathologist if an autopsy is required
5. Referral to a reputable undertaker
6. Assistance with funeral arrangements
7. Advice on how to apply for death certificate and border-crossing documentation
8. Interpretation of legal documentation such as the funeral policy
9. Referral to counselling services for support and advice

Please note that the value-added benefits are non-transferable and cannot be exchanged for cash.

WHAT DO YOU PAY?

The total premium, as stated in this policy agreement, includes all the premiums for all the persons covered under this policy. Premiums are payable monthly on your selected date via debit order.

You authorise us to collect premiums from your chosen bank account in your name, each month on your selected date.
You need to ensure that there is money in your bank account monthly on the collection date.
In the event that the collection date falls on a weekend or public holiday, it will be submitted for collection on the previous or following working day.
In the event that the premium is returned by the bank for non-payment, our tracking service may continue to check your account and collect, should there be enough money to cover the premium.
If we fail to collect a premium, we will collect a double premium on your next scheduled collection date. If the double premium collection fails, the Plan will lapse, and cover will end immediately. If successful, your plan will continue as per the agreement.
A Policy Owner can reinstate their lapsed policy within 60 days of the policy lapsing. There will be no cover between the time the policy lapsed and the first successful premium collection after reinstatement.
You may change your premium collection date at any time. However, changes requested within seven days from the next premium payment date, may only be applied from the following month.

You can also make Pay@ or EasyPay payments on the VodaPay App or at participating stores and outlets, any time prior to your premium collection day.

We have the right to change premiums for any reason, including changes relating to legislation or other rules applicable to this Policy, or if Vodacom feels that these are no longer sufficient. We will let you know in writing 31 days in advance of any changes to your premium and you will be afforded an opportunity to select alternatives to mitigate the impact of the change in premiums.

THESE ARE IMPORTANT POINTS FOR YOU TO REMEMBER:

WAITING PERIODS

Persons covered under this policy have a six-month waiting period for death as a result of natural cause and twelve months waiting period for death by suicide. No waiting period applies for Accidental Death or for Children added within 3 months of their birth. The waiting period for each person covered starts from their cover start date and recommences for any part of cover that is increased on the date that the increase in cover commences.

This waiting period applies to all benefits under this policy.

Waiting periods already served with FSCA registered insurers will be waived for all Policy Owners subject to the Policy Owner providing proof of previous funeral cover as well as policy cancellation documents not older than 31 days from the cover start date. Policies cancelled by your previous insurer i.e. not initiated by you, will not be eligible for the waiver. This includes, but is not limited to, cancellation or lapse as a result of unpaid premiums.

The waiver will apply to the same main benefit amount that all the lives were covered for with the previous insurer. Ancillary benefits will not be considered. Additional cover taken with Vodacom Life will be subject to normal waiting periods. To apply to for the waiver, the Policy Owner should submit the following documents to Vodacom Life:

Proof of previous cover with the following information:
- full names and dates of birth (or ID numbers) of all insured lives
- policy inception date
- cover amounts for each insured life as well as the applicable waiting periods.
Proof of cancellation of cover not older than 31 days from Cover Start Date

EXCLUSIONS

We will not pay any benefit if death arises directly or indirectly from any of the items listed below:

Wilful and material breaking of any law by the life assured;
Participation in war and/or acts of war, whether declared or not;
Participation in civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism;
Radioactivity and nuclear explosions;
Fraud, misrepresentation or failure to disclose information.

ESCALATIONS

Your premium and cover amount for all insured lives will escalate by 5% annually on your policy anniversary. You may opt out of these escalations; however, once you have opted out, you will not be able to opt in again. Escalations for yourself, your spouse and children will continue until you have turned 65 years old. Escalations will continue for extended family members until they have turned 74 years old.

If you have upgraded or downgraded your cover in the 3 months’ prior to your escalation date, the escalation will not be applied for that year.

PREMIUM HOLIDAY

You may qualify for a premium holiday in December of every year. To qualify, you must have paid all your premiums from January to November of each year. This premium holiday will be automatically applied, and you will not be billed for that December.

If you missed a premium from January to November, you will not receive your premium holiday for that year.

CESSIONS

This cover may not be ceded or transferred to a third party as security for a debt or for any other reason.

CLAIMS

In order to register a claim, you will be required to call Vodacom Life, in order to report and notify us of a death claim. A validation process will be initiated and a check will be conducted against the following criteria:

An active policy needs to be place at the time of loss;
Activation of value added benefits;
All premiums need to have been paid in full;
Confirmation needs to be provided that the insured event (death) has occurred, and
The deceased is covered on the policy.

The claimant must have the following information available when they contact us:

The Insured Life’s policy number and/or ID number.
The date and cause of the claim event.

We will advise what documents we need in order to process the claim. Generally, we require the following documentation:

a fully completed claim form;
a certified copy of the South African death certificate;
a BI1663 form;
the deceased’s ID as well as the beneficiary’s ID;, certified copies
a certified copy of a marriage certificate or proof of marriage if claiming for a spouse;
an unabridged birth certificate if claiming for a child; certified copy.
proof of bank account; and
a police report and/or post-mortem if death is an Accidental Death.

All information provided is at the claimant’s own cost. We reserve the right to request any additional information or documentation required to validate the claim.

It’s important that we are informed about the event that leads to the claim within 180 days of it happening. The claim may be declined if we are not informed in time. We will usually pay out a valid claim within 48 hours of verifying all required claim documents as deemed necessary by the insurer. Should you or your beneficiaries wish to dispute a claim decision, they have to do so within 180 days of receiving a formal communication about the outcome of the claim. You and your beneficiaries must submit the reasons for the dispute in writing for it to be re-assessed. If they would like to institute legal proceedings, it must be done within 180 days of receiving a formal communication of the claim outcome.

It is your responsibility to make sure that we always have up-to-date contact information for you and your beneficiaries. If we become aware that there are payouts due to be made under this policy agreement, we will always first try to contact your beneficiaries at the last contact details provided to us. If we are not able to make contact, we have to take reasonable steps to find the beneficiaries. In order to do this, we may have to appoint external tracing agents and this agreement permits us to give the tracing agents access to personal information. Please also note that a tracing and management fee may be deducted from the payout amount. We will pay interest, if applicable.

If any claim under this policy involves fraud, misrepresentation or false information, the policy agreement may be cancelled. In this case, no payouts will be made and no premiums will be refunded.

UNDERWRITER AND ADMINISTRATOR

This product is underwritten by Vodacom Life Assurance Company (RF) Limited, a licensed life insurer.

How to contact us:

Call: 082 178 00
Email: [email protected] (for all non-claims related queries or complaints) or [email protected] (for claims only)
Write to: Vodacom Life Assurance Company (RF) Limited, Vodacom Corporate Park, 082 Vodacom Boulevard, Midrand,1685.

This product is administered by O’keeffe & Swartz BPO (Pty) Ltd, an authorized financial services provider (FSP no: 35478), for which they receive fees.

QUERIES AND COMPLAINTS

For any queries you may have regarding your policy, please contact 082 178 00 or [email protected]

If you are not satisfied with your level of service, you may log a formal complaint by calling 082 178 00 or sending an email to [email protected].

Should you be dissatisfied with the outcome, you have the right to contact National Financial Ombudsman (NFO):

National Financial Ombudsman

Tel: 0860-800-900
WhatsApp: +27 (0) 66 473 0157
Email: [email protected]

NFO Johannesburg

10 Oxford Road, Houghton Estate, Johannesburg, Gauteng, 2198

NFO Cape Town

6th Floor, Claremont Central Building,6 Vineyard Road, Claremont, Cape Town, 7700

FAIS Ombudsman:

Office of the FAIS Ombud,

PO BOX 74571, Lynwood Ridge, 0040

Email: [email protected]

Call: 0860 324 766

The Information Regulator:

P.O Box 31533, Braamfontein, Johannesburg,

2017

Email: [email protected]

Call: 010 023 5200

COMPLIANCE

The Compliance Department can be contacted by calling our Customer Care Centre on 082 178 00.

CANCELLATION AND COOLING OFF PERIOD

If you decide to cancel the policy agreement within the cooling-off period of 30 days after receiving this policy agreement, we will refund any premiums already made under this policy agreement. The cooling-off period only applies if a claim has not been submitted or if no cover amounts have been paid out to you or your beneficiary.

You can cancel this policy agreement at any time by sending us a cancellation request in writing or by calling us

The agreement will come to an end on the last day of the calendar month for which you have already made your payment and no cover will be provided after that date. In such an event no premiums will be refunded to you.

We may cancel this Policy or place it on hold with immediate effect, refuse process any transaction or act on your instruction and we may take any other action that we consider necessary to comply with the law and prevent or stop undesirable or criminal activity.

CONTINUATION OPTION

In the event of your death, and provided you have a spouse already covered on the policy, your spouse will be given the option to continue your policy as the new policyholder. Your spouse will have 3 months to exercise this continuation option. If they choose to exercise this option, the policy will be re-rated according to the age of the life insured when they first entered the policy (provided no cover amount updates are done and no lives are added or removed). Waiting periods already served will also carry over. No premium will be due for the duration after your death and prior to your spouse exercising the continuation option. All other terms and conditions will apply as normal.

FORCE MAJEURE

Force Majeure refers to circumstances beyond our reasonable control, such as an act of God, acts of the State or Government, exceptional weather conditions, total national electricity failures, war or war-like activities or serious delays in public transport that may prevent us from carrying out our obligations under this agreement. In the event of a force majeure this agreement will be suspended until we can deliver on our obligations. We will, if possible, notify you of the suspension and the estimated duration of the suspension. We will not be liable for any damages caused as a result of the suspension.

CONFIDENTIALITY AND SHARING OF INFORMATION

By taking out this policy, you hereby authorize Vodacom Life to obtain personal information from you, and when required, from an independent third party, which may be needed to assess the risks to which the policy agreement relates or for the purposes of entering into or performing in terms of a policy agreement, and or to assess claims in respect of contracts to which this policy agreement relates. Please refer to our privacy notice for a description of how we process your personal information.

As agreed, personal information will be stored, processed and used only by our partners. This may include the exchange of information regarding the payment history of the person who is responsible payment of the premiums.

Please note that for risk management purposes we may exchange claim information with other insurers. Where you provided personal information of a third party, for example, your beneficiaries, you confirm that you have provided the information with due permission.

PRIVACY NOTICE

Scope

Personal Information Collected
- Vodacom only collects personal information required to enter into a Vodacom Funeral Cover agreement and provide the related services in relation to the agreement.
- Information collected by Vodacom includes, Name and Surname, Identity Number, Contact Number, Email Address, Bank Account Number and Policy Agreement Number.
- Vodacom does not obtain additional personal information from other sources, without your express consent.
Uses and Sharing
- Vodacom processes the information to provide you with funeral cover as per agreement, for purposes of entering into or performing in terms of a contract and may use the information to provide you with information on related products or offer discount certain offerings;
- Vodacom will use the personal information you provide only for purposes consistent with the reason you provided it;
- Vodacom does not share your personal information with other marketers unless Vodacom have obtained your explicit consent. If you do not provide your consent, Vodacom will not share your personal information;
- When Vodacom provides personal information to companies that perform services on our behalf, Vodacom require those companies to handle the personal information in accordance with our full privacy notice, as well as applicable privacy legislation. These companies cannot use your personal
Your Rights
- You may access personal information that Vodacom holds about you. You can ask us to correct any errors or delete the personal information Vodacom have about you;
- You may opt-out of any marketing messages or further contact from us;
- To protect your privacy, Vodacom may have to verify your identity before Vodacom can give you access to, or change, personal information about you.

A – ABOUT THE SMARTPHONE LOYALTY BENEFIT

‘VIA’ means Vodacom Insurance Administration Company (Pty) Ltd.
This loyalty benefit is provided in partnership with Vodacom (Pty) Ltd and is available to all Vodacom Funeral Cover Policy Owners who hold valid policies and are active Vodacom contract or prepaid subscribers. - In order to qualify for this benefit, the Member must:
- Hold a valid Vodacom Funeral Policy, as the main policy owner, throughout Membership;
- Agree to join the VIA Loyalty and Benefits Program for a monthly membership fee of 0.1% of the

Member’s cover amount;

Be an active Vodacom contract subscriber;
Have been active on the Vodacom network for a continuous period of 24 months from the date of inception of the Vodacom Funeral Cover policy;
Have been active on the Vodacom network at least 15 days per month, or 180 days per year over a continuous period of 24 months. Active means that, for 15 days of the month:
- Your Vodacom SIM card is in a mobile device,
- Your device is switched on,
- You must make or receive a call, send or receive an SMS or Please Call Me, use data or a USSD string (but excludes voicemail calls or call forwarding through the SIM card).
If you do not meet the minimum active days (at least 15 days per month, or 180 days per year over a continuous period of 24 months), your loyalty benefit active day count will be reset to zero. This means that the Member will need to be active on the Vodacom network for a further 24 months to receive the loyalty benefit. Vodacom will send you frequent messages by SMS and email to help you retain your loyalty benefit.
If you meet the above requirements, the Member will be rewarded with a smartphone. The value of the - smartphone will be 5% of the Member’s cover amount.

B – VODACOM LEGAL ADVICE LINE

As an additional benefit, any Vodacom Funeral Policy Owner who joins the VIA loyalty and benefits program as a Member will have 24-hour Legal Assistance via the Vodacom Legal Advice Line.
This benefit may be used as soon as the Vodacom Funeral Policy Owner joins the VIA loyalty and benefits program as a Member
The Vodacom Legal Advice Line is a comprehensive legal assistance service available to the Member. Qualified lawyers and legal consultants as well as academics provide the service telephonically. - To use this benefit simply call 082 178 00

C – PROCEDURE FOR REDEEMING THE SMARTPHONE BENEFIT

Provided you have met the requirements as set out in (A) above, for a period of 24 months, Vodacom will provide you with a list of smartphones from which to choose.
The value of the smartphone that can be chosen will be based on 5% of the Member’s sum assured. For example, a Member who is covered for R50 000 will receive a smartphone to the value of R2 500.
You, as the Member, will then be able to redeem your voucher by calling 082 178 00. You will then have the option of arranging either the collection or delivery of your selected smartphone.

D – PLEASE READ CAREFULLY

In order to enjoy this benefit, you will be required to provide VIA with a Vodacom contract number which will be used to measure active days on the Vodacom network. The Vodacom number provided must belong to the Member.
In order to enjoy any benefit that may arise out of this program, the Member will ensure that all monthly membership fees are duly paid. For the avoidance of doubt, any failure to pay the monthly membership fee will result in the termination of membership to the VIA Loyalty and Benefits Program.
You have the option to opt out of this loyalty benefit at any time by emailing [email protected].
Cover on your Vodacom Funeral Insurance Policy is only subject to the insurance premium being paid and is not dependent on meeting the requirements as set out in the terms and conditions of this loyalty benefit.
The Vodacom Legal Advice Line is provided by Vodacom Insurance Company (RF) Limited and administered by LIPCO Business (Pty) Ltd, an authorised financial services provider
For any queries or should you wish to lodge a complaint regarding the loyalty program please contact us on 082 178 00.

E – FURTHER BENEFITS

VLA wishes to show its appreciation to its Members by adding more loyalty benefits to this program from time to time. Vodacom may also amend the type of benefits available under this program and will provide its Members with reasonable prior written notice in event of any such change.

Page Title

Vodacom Funeral Cover Terms and Conditions

Keywords

Vodacom Funeral Cover

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/vodacom-funeral-cover

Extra Airtime on VodaPay App Terms and Conditions

Read more about Extra Airtime on VodaPay App Terms and Conditions

CBU

V-Up 30% on VodaPay app

Terms and Conditions By taking up the promotional offer, you agree to the following terms and conditions:

Customers buying airtime for themselves or another party using the VodaPay App will qualify for 30% more airtime extra e.g. a customer buying R100 will receive R130 airtime which will reflect in the balance.
You will receive two confirmation SMS’s. One with the amount you bought for, and the other SMS will have amount of the Extra Airtime
The 30% Extra Airtime offer will apply to airtime purchases only and not bundle purchases on VodaPay.
Customers must pay for airtime using a credit or debit card or using the VodaPay cash wallet assigned to each customer when they download and register for the VodaPay app. This wallet would need to be topped up via card of EFT.
Prepaid and Top-Up customers may buy airtime and receive the Extra Airtime. Post-Paid customers may buy airtime for a Prepaid or Top-Up number and this recipient will receive the Extra Airtime
Customers may use Extra Airtime to buy voice, data and SMS bundles via USSD or My Vodacom app.
Customers may neither use Extra Airtime to pay back Airtime Advance nor transfer to another party nor use it to pay for any Digital Life Services.
Vodacom Payment Services Pty Limited (VPS) reserves the right to implement a fair usage policy.
The promotion will run until 31 May 2025. VPS reserves the right to extend or curtail this promotion within a reasonable notice period.
You can view the balance of your airtime and Extra Airtime on the following channels:

USSD *135# (detailed balances)
Online (My Vodacom App, VodaPay & Vodacom.co.za)
Customer care (082 135)

VPS reserves the right to amend these terms and conditions and where such change is material, VPS will provide you with reasonable prior written notice before implementing such change.

VPS does not charge a service fee for purchasing airtime on its platform. However, the relevant bank fees associated with the use of a bank card will be applicable.
Once a Customer submits a transaction it cannot be reversed.
VPS will not be liable for any loss should you enter an incorrect cell phone number
VPS cannot be liable for an accidental repeat purchases made on the VodaPay app.

Page Description

VodaPay App will qualify for 30% more airtime extra e.g. a customer buying R100 will receive R130 airtime which will reflect in the balance.

Page Title

V-Up 30% on VodaPay app | Vodacom

Keywords

30% Extra Airtime on VodaPay app, 30% Extra Airtime, VodaPay app, V-Up 30%

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/promotion/extra-airtime-on-vodapay-app

Vodacom Fibre Premium Terms and Conditions

Read more about Vodacom Fibre Premium Terms and Conditions

CBU

Vodacom Fibre Premium Terms and Conditions

General

The Vodacom Fibre Broadband standard terms and conditions are applicable to these terms and conditions unless explicitly mentioned within the Vodacom Fibre Broadband Integrated Contracts terms and conditions. These standard terms and conditions are available at https://myvodacom.secure.vodacom.co.za/vodacom/terms/fibre/vodacom-fibre
The Vodacom Fibre Premium will be available on Vodacom Self-build, Vumatel and Vumatel Aerial, Openserve and SADV Network.
The Vodacom Fibre Premium product will only be available on 24 months contract.
The Vodacom Fibre Premium product will only be available on uncapped price plans.

Provisioning of the service

After signature of the Vodacom Fibre Premium Contract, an installation date of the Vodacom Fibre Broadband service will be provided to you.
After installation of the Vodacom Fibre Broadband service you will receive a 24 (twenty four) month Vodacom Fibre Broadband Contract with mandatory value added services (VAS) and/or equipment.
A customer will not be allowed to delete the mandatory VAS and/or equipment provided with the Vodacom Fibre Broadband Premium Contract price plan.
A customer will be allowed to purchase additional VAS for the Vodacom Fibre Broadband Premium Contract only once the Vodacom Fibre Premium Contract has been activated, i.e. upon installation of the Vodacom Fibre Broadband service. Subject to the below rules:
A customer who has Mobile Back-up as part of their Vodacom Fibre Premium offer will not be allowed to add the default Mobile Back-up service (5GB mobile back up VAS)
1. A customer who has purchased the Vodacom Fibre Premium with Vodacom Video Play, My Muze and Securenet as part of the mandatory service will not be allowed to repurchase the VAS.
2. The mandatory services associated with the Vodacom Fibre Premium service cannot be removed.

Billing

24-month Vodacom Fibre Premium price plans will be billed in advance.
The Vodacom Fibre Premium price plans subscription will recur on the 1st day of every month as long as the 24-month contract remains active.
The customer's first invoice will reflect the pro-rata amount (where a contract has been activated mid-month) as well as the subscription in advance.
The customer invoice will reflect the product name Vodacom Fibre Premium.
All associated services and devices must be available on the customers invoice.
Once-off charge of R35.00 will be applicable for the VoIP service when purchasing the Vodacom Fibre Premium service.

Migration

A customer on a Vodacom Fibre Premium price plan will be allowed to migrate to any other Vodacom Fibre price plan subject to the existing upward and downward migration rules.
A customer who migrates to a Vodacom Fibre Broadband Standard or Vodacom One price plan will be liable for any device/s and VAS costs associated to the Vodacom Fibre Premium price plan.
Upward migration (Vodacom Fibre Premium to Vodacom Standard or Vodacom One):
1. The customer attracts the services associated to the new price plan
2. Where devices were supplied the customer will have an option to pay for the devices over the remainder of the contract term associated to the new price plan.
3. A customer should also have the option to pay for the devices as a once-off charge.
Downward migration (Vodacom Fibre Premium to Vodacom Standard or Vodacom One):
1. The customer attracts the services associated to the new price plan
2. Where devices were supplied the customer will be liable for the payment of the devices as a once-off, the amount will be liable on the following invoice post the migration.
3. Calculation - The remainder of the costs associated with the devices is determined as follows: (24 months - month in which the contract is migrated) X (device cost / 24).
4. The remainder of the costs associated with the VAS is determined as follows: (24 months - month in which the contract is migrated) X (VAS charge)
Upward migration within the Vodacom Fibre Premium price plans:
1. A customer who migrates upwards attracts the discount associated to the new Vodacom Fibre Premium price plan.
2. Where the Talk packages differ, the customer will be migrated to the relevant Talk package applicable to the new plan.
3. A customer must not be issued with any new CPEs.
Downward migration within the Vodacom Fibre Premium price plans:
1. A customer will be liable for an admin fee of R250.00 for any downward migration.
2. A customer who migrates downwards will receive the discount associated to the new Vodacom Fibre Premium price plan.
3. Where the Talk packages differ, the customer will be migrated to the relevant Talk package applicable to the new plan.
4. A migration which is effected during the month and impacts the subscription billed in advance will have a credit or debit (whichever is applicable) raised for the subscription variance on the next invoice.
5. A customer must not be issued with any new CPEs.

Page Description

Premium will be available on Vodacom Self-build, Vumatel and Vumatel Aerial, Openserve and SADV Network.

Page Title

Fibre Premium

Keywords

Vodacom Fibre Premium

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/fibre/vodacom-fibre-premium

Recharge and Get Promotion Terms and Conditions

Read more about Recharge and Get Promotion Terms and Conditions

CBU

Vodacom ‘Recharge & Get’ Streaming Promotion

Terms and Conditions

Vodacom is running a Promotion where prepaid customers who buy a selected Vodacom deal (handset and SIM card) at PEP and PEP Cell, and recharge with R29 or in one day, at least once per month, will be rewarded with a FREE 30-day Viu subscription for 12 months and a monthly 3GB Viu streaming data. Customers will receive their Recharge goal via SMS.

All participants during the Promotion Period agree to be bound by the following Terms and Conditions:

Duration

The Promotional Offer is open to all Vodacom prepaid customers residing in South Africa, who meet the purchasing and recharge criteria, from 06h00 on 24 January 2025 to 23h59 on 25 February 2025 (the Promotion Period).

Reward

The Reward is a free 12-month subscription (worth R69 per month) and free 3GB 30-day Viu streaming data, also for12 months.
Qualifying customers will receive a link to the Viu portal, sent via SMS, to access their rewards. The countdown for the free rewards will start when the customer signs into the Viu account.
Qualifying customers who are eligible for rewards acknowledge, understand, and agree that-

they will need to activate a FREE subscription for the Viu Service.
customers who wish to continue with the Viu service post the FREE period will be billed for R69 monthly. Customers wishing not to be billed after the FREE period will be required to cancel their Viu subscription.
if a consumer terminates, cancel or port-out his/her number, such consumer forfeits the use of any unused rewards from that point in time, as well as the earning of future rewards from that point in time.

For more information on Viu, refer to the terms and conditions.

https://www.vodacom.co.za/vodacom/terms/data-bundle-terms/Viu-data-bundles

Valid Entry

To be eligible to stand receive a reward in the Promotional Offer, qualifying entrants must:
1. Receive an SMS instructing them to recharge with a specified amount.
2. Meet the recharge criteria, i.e. recharge with the stipulated amount. The required amount is based on the daily or weekly cumulative total.
3. Continue meeting the recharge goal every month for 12 months - R29 or more per day, at least once a day.
Customers will only qualify once for the reward during the Promotional Offer period.

Eligibility

All prepaid customers qualify:
1. They should be data users on smart phones or data devices.
2. They should be revenue generating.
Only entrants who are using SIM cards that have been RICA registered are eligible to receive a reward in the Promotional Offer. Each owner of a SIM card(s) is responsible to comply with South African law by RICA registering their SIM cards.
Participants must reside in South Africa and be in possession of a valid South African identity document or permanent residence permit or temporary residence permit valid for a period exceeding 3 (three) months for the Republic of South Africa and valid at the End Date.

Rewards

All qualifying customers will receive the reward. The allocation of the reward is automated.

Prize Details

The rewards are not transferable or exchangeable and may not be redeemed for cash.
The rewards will be cancelled if a customer fails to meet their recharge goal for 2 months.

Cancellation of the reward / VIU Service

Customers are entitled to unsubscribe from the VIU Service at any time and for any reason by following the “cancel” prompts available within the VIU Service menu, or by:

using Vodacom self-service channels.
calling Vodacom Customer Care: 082135.
dial USSD: *135#.
visit WEB: https://www.Viu.com/; or
via Vodapay App.

When cancelling/ unsubscribing from the VIU Service, you accept that your old profile and preferences will be retained for a 6 (six) month period and for no longer than 5 years (only if necessary), in order to facilitate a convenient experience should you choose to re-subscribe at a later stage within the 6 (six) month period.

Personal information

User data collected via the promotion will not be used for any other purpose than for execution of the promotion.
User data collected via entry for this promotional will be stored for as long as it is legally required to and in accordance with Vodacom’s Privacy Policy

General

Nothing in these Terms and Conditions is intended to, or must be understood to, unlawfully restrict, limit, or avoid any rights or obligations, as the case may be, created for either the participant or the promoter in terms of the Consumer Protection Act, 68 of 2008 ("CPA").
Vodacom’s decision on any aspect of the Promotion including the allocation of the rewards will be final and binding and no correspondence will be entered into.
In the event of a dispute regarding any aspect of the promotion and/or the Terms and Conditions, Vodacom’s decision will be final, and binding and no correspondence will be entered into.
Vodacom may refuse to award a reward if entry procedures or these Terms and Conditions have not been adhered to or if it detects any irregularities or fraudulent practices. Vodacom is entitled in its entire discretion to reject any participant for any reason and will not be obliged to notify participants that they are rejected.
Vodacom and/or any other person or party associated with the Promotion, their associated companies, agents, contractors and sponsors and any of its personnel involved in the Promotion, shall not be liable whatsoever for any loss or damage incurred or suffered (including but not limited to direct or indirect or consequential loss), death or personal injury suffered or sustained arising from either participation in the Promotion or from claiming the reward.
Vodacom, its directors, employees, agents, and distributors, are not responsible for any misrepresentation (whether written or verbal) in respect of any prize nor in respect of any warranties, guarantees or undertakings given by any person other than Vodacom itself.
If Vodacom is required by law to alter or cancel any aspect of the Promotion or to terminate it because of changes in legislation, or for any reason whatsoever, it will have the right to terminate the Promotional Offer being offered, with immediate effect and without notice. In such event all entrants hereby waive any rights which they may have against Vodacom and its associated companies, agents, contractors and/or sponsors.
All information relating to the Promotion which is published on any marketing material will form part of these Terms and Conditions. In the event of any conflict between such marketing material and these Terms and Conditions, these Terms and Conditions shall prevail.
The Promotion is also subject to, and must be read in conjunction with, Vodacom’s existing terms and conditions applicable to its website and mobile site respectively: https://www.vodacom.co.za/vodacom/terms/website-terms-and-conditions

Page Description

Promotion where prepaid customers who recharge with R29 or in one day, at least once per month, will be rewarded with a FREE 30-day Viu subscription for 12 months and a monthly 3GB Viu streaming data. Customers will receive their Recharge goal via SMS.

Page Title

Recharge & Get Streaming Promotion | Vodacom

Keywords

Spend & Get

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/competition/recharge-and-get

Super Size Terms And Conditions

Read more about Super Size Terms And Conditions

CBU

Terms and Conditions for Free Data bundles included as part of a deal

The SP incentive data bundles will only be available on selected Postpaid and Top Up price plans according to the deals created and can be free or chargeable depending on the deal. Please see your contract terms and conditions
Subscribers cannot opt-out of the SP incentive data bundle for the duration of the contract term. Activation of the recurring SP incentive bundle is conditional to a customer taking out selected price plans for a term of 24 months; or until the customer upgrades their contract; or until the customer cancels their contract. Existing contract cancellation rules will apply.
The SP incentive data bundles will not be allocated Night Owl.
SP incentive data bundles will not be available for purchase via additional sales channels.
The SP incentive data bundles are not available for purchase during a custome's contract period. They are only available for new and upgrade customers.
All SP incentive bundles are valid for a calendar month, up to 23:59 on the last day of the respective month
If the SP incentive data bundle allocation term is longer than 1 month, the data will be pro-rated for the first month post activation according to the date of activation i.e. if allocated on the 15th of the month, and allocation will be according to the remaining balance of the month of allocation.
If a customer takes up a 1 month the SP incentive data bundle during the month, the customer will receive a complimentary prorated allocation upon initial activation, and the full bundle will be allocated in the beginning of the following calendar month. Terms 6 applies for the pro-rated amount and for the validity in the new calendar month.
If the bundle allocation of the SP incentive data bundle is depleted and there are no additional internet bundles available, the applicable out-of-bundle rate determined by the subscriber plan will apply.
In the event that you migrate from a Price Plan which includes free, discounted or bundled offers services such as the SP incentive data bundle, to any other Price Plan which does not include any free, discounted or bundled services, then you may forfeit all or a portion of such services or lose all such free or discounted benefits and may be required to pay in full for such service on the new price plan.
The full contract inclusive of the SP incentive data bundle can be cancelled at any time but will be subject to penalty fees calculated on the monthly subscription fee, and/or the cost of the device taken at deal level for the duration of the contract period. Duration will take into account the month of contract plus the remaining months to reach a total of 24 months.
Data bundles will be depleted as per the last in first out principle i.e. the last bundle that was purchased will be depleted first.
Usage notifications for Vodacom Data will follow existing rules for Vodacom Data bundles and contracts (70 %, 80,% 90 % and 100 % depletion of Vodacom Data Bundle)
Data bundle balances enquires can be obtained through existing channels
1. MyPhone - *135#
2. The VodaPay app
3. SMS i.e. send MM to 31050
4. Customer Care : 082 135
5. In store at any Vodacom approved outlet.

Page Title

Super Size Terms and Conditions

Keywords

terms, conditions, data, bundle, super, size

Weight

Page Category

Terms and Conditions

Page URL

/vodacom/terms/data-bundle-terms/super-size-terms-and-conditions