Terms and Conditions

1. POCO Website Terms and Conditions

 

Terms of use

Acceptance of Terms

Welcome to the POCO website at www.poco.co.za (“Website” / “Site”). This Website is owned by SA POCO RETAIL (Pty) Limited trading as POCO (“the Company” / “us” / “we” / “our”).Please take a moment to read these terms and conditions to understand how they apply to your use of our Website. The Company permits the use of this Website subject to these terms and conditions (“the Terms and Conditions”). By using this Website in any way, you shall be deemed to have accepted all the Terms and Conditions unconditionally and be bound by the Terms and Conditions. The Site promotes the sale of the Company’s products as well as other products (collectively “the Products”).
PLEASE DO NOT USE THIS SITE IF YOU DO NOT ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Product Pricing & Availability

The Company cannot guarantee availability of Products but will endeavour to source Products where possible. The Products displayed on this Site are subject to availability and are only available within the Republic of South Africa, within the defined areas as determined by the Company.

The prices displayed on this site are quoted in South African Rands inclusive of Value Added Taxation (‘VAT’). All prices displayed on the Site are valid and effective only in the Republic of South Africa. Prices do not include delivery charges.

We have made every effort to accurately display all Products and prices however Products and prices displayed on this site may vary from time to time and are subject to availability. The Company shall in no way be held responsible for any errors or misstatements emanating from this website.

If a price as displayed contains an inadvertent and obvious error, the Company is not bound by it after- (a) correcting the error in the displayed price; and (b) taking reasonable steps in the circumstances to inform consumers to whom the erroneous price may have been displayed of the error and the correct price. We regret that no order will be accepted if we identify an inadvertent and obvious error in the prices of products or services or the description of any of our products or services or the on the Website.

The Company reserves the right, without prior notice, to discontinue or change pricing or specifications on Products and services offered on this Site without incurring any liability whatsoever. The Company reserves the right to refuse any order you place with us.

Colours

We have done our best to accurately display the colours of the Products shown on this Website. However, the colours of our Products shown on this Website may look different on your computer compared with the colour of the actual product. This is because different computers display colours differently depending on the type of computer screen (LCD, plasma, desktop, laptop etc.). We cannot guarantee that your monitor’s display of any colour will be accurate.

Intellectual Property

All intellectual property rights, including copyright, in all materials, including trademarks, logos, photographs, images, text and other graphics which form part of the Site are owned by the Company alternatively the Company is the lawful user thereof. Such rights are protected by both South African and international intellectual property laws. All data and information communicated to or from the Site and/or any Site information as well as the database is the sole property of the Company.

The Company grants you permission to view, electronically copy and print portions of the Site for the sole purpose of placing an order with the Company for any of the Products.
Any use of materials on the Site other than for the purpose noted above including, without limitation, the unauthorised submission, removal, modification, dissemination, copying or distribution of copyrighted or other proprietary content, without the prior written consent of the Company and/or the lawful trademark and/or copyright owner (if applicable), is prohibited and constitutes an unlawful infringement of the intellectual property rights of the Company and/or such trademark and/or copyright owner.

Unlawful Use

By entering this Website, you agree that you will not use any device, software or other instrumentality to interfere or attempt to interfere with the proper working of the Website and that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. In addition, you agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy the pages of the Website or the content contained herein, without the prior written consent from The Company (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to this Website). You may not use the Website to distribute material which is defamatory, offensive, and unlawful or contains hate speech.

Disclaimer for Website

While the Company takes all reasonable measures to ensure that the contents of this Website are accurate and complete, the Company makes no representations or warranties, whether express or implied, as to the quality, timeliness, operation, integrity, availability or functionality of this Website or as to the accuracy, completeness or reliability of any information on this Website. The Company reserves the right to make changes, corrections and/or improvements to the information and to the Products and programs described in such information, at any time without notice.

The Company will use all reasonable endeavours to maintain the availability of the Website, except during scheduled maintenance periods, and reserves the right to discontinue providing the Website or the service or any part thereof with or without notice to you. Any person who accesses this Website or relies on this Website or on the information contained in this Website does so at his or her own risk. The Company does not accept any responsibility for any errors or omissions on this Website.

In addition to the disclaimers contained elsewhere in these Terms and Conditions, the Company also makes no warranty or representation, whether express or implied, that the information or files available on this Website are free of viruses, spyware, malware, trojans, destructive materials or any other data or code which is able to corrupt, destroy, compromise or jeopardise the operation, stability, security functionality or content of your computer system, computer network, hardware or software in any way.

External Links and Advertising

Links provided on this Site are subject to these Terms and Conditions. No person, business or other website may link to any page on this Site without the prior written permission of the Company. Links contained on this Website may lead to other websites outside of our control, including those of advertisers. These Terms and Conditions do not apply to those websites and the Company is not responsible for the practices and/or privacy policies of those sites or the cookies those sites use. In addition, because the Company has no control over such external sites and resources, you acknowledge and agree that the Company is not responsible for ensuring the availability of such external websites or resources and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. You shall not interpret the provision of such links as constituting any relationship between the Company and any linked third party, nor as an endorsement by the Company of such third party. Links provided on this Site to other websites are provided as is and the Company does not necessarily agree with, edit or sponsor the content of such websites.

Your use of such other websites is entirely at your own risk and we are not responsible for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from your use of such other websites or your reliance on any information contained on those websites.

Privacy Policy

We respect your privacy and take privacy seriously.

The Company has a strong commitment to providing excellent service to all of our customers and visitors of this Website, including respecting concerns about privacy. The Company will explicitly ask when we need information that personally identifies you or allows us to contact you (“Personal Information”). You agree to provide accurate and current information, and not to impersonate or misrepresent any person or entity or falsely state or otherwise misrepresent your affiliation with anyone or anything. The Company will endeavour to ensure that your personal information and details are protected. However due to the multitude of devices and methods in which the Website can be accessed the Company cannot guarantee the absolute security of any information you transmit to us or which the Company transmits to you.

The Company shall be entitled to disclose Personal Information if required to do so (a) to comply with applicable law or with legal process served on the Company; (b) to protect and defend the rights or property of the Company, and (c) for the purposes of distributing same to various employees and/or third parties who assist the Company in providing services to you and thus need to know your Personal Information in order to render a proper and efficient service to you. The Company will ensure that all such employees and/or third party service providers having access to your Personal Information are bound by appropriate and legally binding confidentiality and non-use obligations in relation to your Personal Information.

You are aware that information and data is automatically collected through the standard operation of the Internet servers and through the use of “cookies.” “Cookies” are small text files a website can use to recognise repeat users, facilitate the user’s ongoing access to and use of the website and allow a website to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising. Cookies are not programs that come onto your system and damage files. Generally, cookies work by assigning a unique number to you that has no meaning outside the assigning site. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to deny or accept the cookie feature; however, you should note that cookies may be necessary to provide you with certain features (e.g., customized delivery of information) available on our Websites.)

WHILST THE COMPANY IS OF INTENT TO TAKE REASONABLE MEASURES TO KEEP PERSONAL INFORMATION ABOUT YOU CONFIDENTIAL, IT SHALL HOWEVER NOT BE LIABLE FOR ANY LOSS OR DAMAGE, HOWSOEVER ARISING, SUFFERED AS A RESULT OF THE DISCLOSURE OF SUCH INFORMATION.

The Company will:

• treat your personal information as strictly confidential;

• take appropriate technical and organisational measures to ensure that your personal information is kept secure and is protected against unauthorised or unlawful processing, accidental loss, destruction or damage, alteration, disclosure or access;

• promptly notify you if we become aware of any unauthorised use, disclosure or processing of your personal information;

• provide you with reasonable evidence of our compliance with our obligations under this policy on reasonable request; and

• upon your request, promptly return or destroy any and all of your personal information in our possession or control.

We will not retain your Personal Information longer than the period for which it was originally needed, unless we are required by law to do so, or you consent to us retaining such information for a longer period.

Changes to these Terms and Conditions

The Company reserves the right to update and/or amend the Terms and Conditions from time to time and without any notice, and you are accordingly encouraged to check the Website regularly. Any such change will only apply to your use of this Website after the change is displayed on this Website. If you use this Website after such updated or amended Terms and Conditions have been displayed on this Website, you will be deemed to have accepted such updates or amendments.

Termination

The Company may in its sole discretion terminate, suspend and modify this Website and/or your use of this Website, with or without notice to you. You agree that The Company will not be liable to you in the event that it chooses to suspend, modify or terminate this Website or your use of this Website.

Governing Law

The Terms and Conditions shall be governed and interpreted in accordance with the laws of the Republic of South Africa and application for any of the services offered on these pages or sites will constitute your consent and submission to the jurisdiction of the South African courts regarding all proceedings, transactions, applications or the like instituted by either party against the other, arising from any of the terms and conditions pertaining to such services.

User comments, feedback and other submissions

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

Limitation of Liability

THE COMPANY SHALL IN NO WAY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL INJURY, LOSS OR DAMAGES WHICH MIGHT ARISE FROM YOUR USE OF, OR RELIANCE UPON, ANY MATERIAL OR CONTENT CONTAINED IN THE WEBSITE OR ANY LINKED WEBSITE, OR ANY INABILITY TO USE THE WEBSITE, OR ANY UNLAWFUL ACTIVITY ON THE WEBSITE CAUSED BEYOND THE REASONABLE CONTROL OF THE SUPPLIER.

YOU HEREBY INDEMNIFY THE COMPANY AGAINST ANY LOSS, CLAIM OR DAMAGE WHICH MAY BE SUFFERED BY YOURSELF OR ANY THIRD PARTY ARISING IN ANY WAY FROM YOUR USE OF THIS WEBSITE OR THE RECEIPT BY YOU OF AN ELECTRONIC MAIL FROM THE SUPPLIER OR ONE THAT PURPORTS TO EMANATE FROM THE SUPPLIER, UNLESS THE LOSS, CLAIM OR DAMAGE ARISES AS A RESULT OF THE GROSS NEGLIGENCE OF THE SUPPLIER.

2. POCO Finance Terms and Conditions

 

Credit Applications

• Monthly installment and total credit price shown include interest as shown, basic insurance, initiation fee, service fee and VAT.

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

• INTEREST RATE, DEPOSIT, INSTALLMENT AND CREDIT PRICE MAY VARY BY CREDIT PROFILE AND TERM LOAN. You may be required to produce proof of an insurance policy or alternatively take up insurance with us. Minimum Application Requirements: ID Book, latest payslip, 3 months bank statements and proof of own insurance (if applicable).

• Pepkor Trading (Pty) Ltd is an authorised Financial Services Provider (FSP3247) duly authorised to act on behalf of Century Capital (Pty) Ltd (NCRCP 74), t/a POCO Finance) Abacus Life Ltd and Abacus Insurance Ltd

3. POCO Promo Terms and Conditions

 

Students and Senior Citizens 10% discount

Date: Every Tuesday

Terms and conditions:

1. Students and Senior Citizens qualify for a 10% discount on advertised prices every Tuesday.

2. This discount promotion is not applicable to:
2.1 electronic goods; and
2.2 products already subject to another promotion.

3. To qualify for the 10% discount:
3.1 Students must be over 18 years of age and must produce proof of registration at a recognised tertiary learning institution.
3.2 Senior Citizens must be 60 years or older, and must produce a valid South African ID card/book.

4. This promotion is further subject to POCO’s standard terms and conditions of sale*. The following matters should specifically be noted:
4.1 POCO reserves the right to limit the quantity of goods sold to an individual in terms of this promotion;
4.2 The promotion is only valid for as long as there is stock available.

*See www.poco.co.za

4. POCO Cancellation Terms and Conditions

 

1 CUSTOMERS RETURNS (CPA s17, 20, 55-57)

1.1. If you are unhappy or not satisfied with your products, we will gladly exchange them, offer you a voucher or refund your money provided that you supply the original receipt.
1.2. A customer can return a product if:
1.2.1. The item has not been used and is in its original packaging (within 30 days). Mobile phones can only be returned within 7 days of sale;
1.2.2. The item has not been used and is a large item (furniture or appliances) that the customer only inspected when it was delivered to his/her premises and opened (within 10 days);
1.2.3. If the item is defective as demonstrated and agreed by management or a technician from the supplier (see defects with goods policy);
1.2.4. The item is unused and was wrongly described or different from the sample shown.

2 CANCELLATION POLICY – CUSTOMER RETURNS (CPA s17, 20, 55-57)

2.1. The returns policy is printed on the original sales till slip:
We are happy for you to return or exchange any item within 30 days, just bring it back unused with the original packaging undamaged.
Understandably, items that have been self-assembled cannot be returned.
Mobile phones can only be returned within 7 days of sale.
All returns must be accompanied with the original till slip.
** Note: All returns must be processed at the Returns department.
2.2. Used items cannot be returned (excluding defective items, see below). The item must be unused and in its original packaging. POCO reserve the right to refuse returns where the customer has discarded the original packaging.
2.3. Items that have been assembled by the customer cannot be returned. POCO reserve the right to refuse returns where the customer has self-assembled the item.
2.4. Due to hygiene reasons all linen products and mattresses cannot be returned once used/ opened.
2.5. The customer must present their original till slip as proof of purchase. The returns cashier cannot help the customer without this document. The returns cashier may not look on the system to try and match-up an original sale. The customer must provide the proof of purchase.
2.6. Same tender refunds must be done, therefore if the customer paid with a credit card the refund must be done on that card. In cases where more than R1,000 cash was paid and a refund is required, POCO will arrange an EFT (Electronic funds transfer) to the customer. This is due to strict cash management at a store level to limit the risk of armed robbery.

3 DAMAGED ITEMS SENT FOR REPAIRS PROCEDURE / DEFECTIVE ITEMS AFTER 6 MONTHS (CPA s57)

3.1. Items can be sent back to the supplier for repairs.
3.2. Customer damage or a fault detected after 6 months can be sent back to the supplier for repairs.
3.3. The returns cashier and the customer must complete the customer repairs book. A copy of the repairs job card is to be given to the customer for easy reference.
3.4. In terms of the CPA s57, there is a 3 month warranty on repair work

5. POCO Facebook Competition Terms and Conditions

Freebie Friday Competition

1. These terms and conditions apply to the “Freebie Friday” Facebook campaign.

2. Please read these terms and conditions carefully and by participating in this Competition, all participants irrevocably agree to be bound by these terms and conditions, which will be solely interpreted by POCO.

3. POCO may amend these terms and conditions at any time during the Competition, by posting such amendments on their website (www.poco.co.za).

4. The Competition is each Friday of the month on the Facebook Page of POCO.

5. The Competition may be terminated or extended at any time by POCO. In the event of such termination, all participants agree to waive (give up) any rights they may in terms of this Competition and acknowledge that they have no recourse of any kind against POCO or its promotional agents.

6. To enter the Competition you must be 18 years old or older and live in South Africa (being a resident or a citizen). Directors and/or Members and/or Agents and/or Promoters and/or Consultants to Promoters and/or Employees and/or Contractors and/or Family members of any of the following companies are not eligible to enter or even claim the prizes: POCO, including all employees within the Steinhoff Group of Companies.

7. POCO will post a “Freebie Friday” prize every week on Friday on its official Facebook Page, and in order to qualify to win a prize, participants should either like, share and or comment thereon.

8. Winners shall be randomly selected from the whole group of likes, shares and comments POCO received via its Facebook Page.

9. The winner/s will be announced the next week, on the Monday. The judges‘ decision is final and no correspondence will be entered into.

10. The winner/s will be notified via Facebook messenger. Once contacted, winners should provide the following information to POCO within 5 business days: Name, Surname, Identity Number, Mobile Phone Number and E-mail address. If this information is not provided within 5 business days, POCO reserves the right to forfeit the prize. Winners have 8 weeks after they provided the information above to collect their prize at specified POCO Store, failing, the winner will forfeit the prize, in such an instance, POCO reserves the right to readvertise the prize for a new winner. The winner agrees to supply a valid identification document (SA ID or passport), e-mail address and mobile phone number and any other validation procedure determined by POCO, in order to claim the prize.

11. The winner agrees to have his/her photo taken, which may be used together with their full names by POCO for advertising and promotional purposes on Facebook, without the obligation to notify or reimburse the winner.

12. By entering the competition, participants will have an “opt in” option in terms whereof they can subscribe to POCO’s future online marketing activities. After subscription, participants can at any given time “opt out” which option shall at all times be communicated with all future correspondence.

13. The prize includes the following: any goods which may be selected by POCO at their own sole discretion, and will be different each Friday.

14. The prize is not transferable neither can it be exchanged for cash.

15. POCO`s external auditors will oversee the competition.

16. Any violation, attempt and/or suspicion to violate any of these rules will result in the immediate disqualification on the participant.

17. Entrants indemnify POCO or their respective affiliates for any loss or damage that it or its respective affiliates may suffer because of the Entrant’s breach of these terms and conditions. Consequently, the Entrants agree to compensate POCO or their respective affiliates for any loss or damage it suffered (including consequential damages and/or legal expenses incurred) because of the Entrant’s breach of these terms and conditions. The Entrants also agree to hold POCO or their respective affiliates harmless for any claim made against it or their respective affiliates by third parties due to the Entrant’s breach of these terms and conditions.

18. The prize may not be awarded if entry procedures or these terms and conditions have not been adhered to or if POCO detects and/or suspects any irregularities or fraudulent practices.

19. All participants indemnifies POCO and any other company associated with the competition and its advertising agencies against any and all claims howsoever from their participation in this competition.

20. All participants further indemnifies POCO from any claim should this Competition be called off or extended for any reason whatsoever. Consequently, all participants agree to waive any rights they may have in terms of this Competition and acknowledge that they have no recourse against POCO or any of its promotional agents.

21. The winner will be required to sign a detailed indemnity document prior to redeeming or delivery of a prize.

22. If required, as a result of a change in legislation by the Minster of Trade and Industry or if the Competition is declared unlawful, POCO reserves the right to terminate this competition immediately and without notice. In the event of such termination, all participants agree to waive any rights they may have accrued in terms of this Competition and acknowledge that they have no recourse against POCO or its promotional agents.

23. At the end of the competition of all POCO`s obligations with regard to the Competition as well as with regard to the prize shall cease to exist.

24. These terms and conditions are severable and are governed by the laws of the Republic of South Africa.

 

6. Leaflet Terms and Conditions: 

Daily Deals for Christmas: Only 1 product per customer is allowed. Product can only be purchased at the Daily Deal price, on the specific day & date. Kitchen deal T’s & C’s: Up to 40% off kitchens discount applies to cupboard carcasses and doors only. Discount does not apply to electronics, accessories, sinks, taps, quartz, granite or formica tops, or Installation. Orders for this promotion will only be delivered in January 2018. Cannot be used in conjunction with any other promotion. Free TV deal T’s & C’s: TV licences and ID required to receive the free TV. Offer only valid for furniture purchase of R6999 and above. No substitutions or trade ups or cash/voucher alternatives. We reserve the right to provide an alternative 32” LED TV to the one advertised. Offer not applicable to any lay-by sales. Cannot be used in conjunction with any other promotion. Free TV deal does not include kitchen sales. For full T’s & C’s please go to poco.co.za. Daily Deal product cannot be used in conjunction with another discount. Lay-bys not available for Daily Deal promos. While stocks last. 

FINANCE TERMS AND CONDITIONS: For Finance Terms and Conditions, please refer to www.poco.co.za or enquire in-store.

 

7. Refer a Friend – Terms and Conditions

Terms and conditions:

  1. Valid only from 23rd November 2017 – 23rd December 2017
  2. Prize is not transferable or redeemable for cash;
  3. Participants have to sign up to enter the competition and by doing so, opt in to receive future POCO marketing material to be entered into the draw;
  4. Winners have to collect the prize from a selected POCO SA store and must present a valid Identity Document for collection;
  5. Staff /agencies not allowed to enter
  6. Winner has a period of 10 business days to respond to the announcement of their winning.  If the winner does not respond within 10 business days, POCO reserves the right to forfeit the prize. Winners have 8 weeks after they provided the information above to collect their prize at specified POCO Store, failing, the winner will forfeit the prize, in such an instance, POCO reserves the right to readvertise the prize for a new winner.

 

Refer a friend

Terms and conditions:

  1. Participants should sign up on the www.poco.co.za website,after which we offer participants the chance to give POCO 5 e-mail/contact details of friends or relatives;
  2. Once the referred friends or relatives accepts POCO`s invitation and sign up they get entered into the competition as participants;
  3. Competition closes on 23 December 2017 and winners shall be announced on 20th January 2018;
  4. Prizes are not transferable or redeemable for cash;
  5. This promotion is furthermore subject to our general terms and conditions for promotional competitions to be found on our website.

 

Full terms and conditions “Win a R5000 POCO shopping spree”

These terms and conditions apply to the “Win a R5000 POCO shopping spree” campaign.

1. Please read these terms and conditions carefully and by participating in this Competition, all participants irrevocably agree to be bound by these terms and conditions, which will be solely interpreted by POCO.

2. POCO may amend these terms and conditions at any time during the Competition, by posting such amendments on their website (www.poco.co.za).

3. The Competition may be terminated or extended at any time by POCO. In the event of such termination, all participants agree to waive (give up) any rights they may in terms of this Competition and acknowledge that they have no recourse of any kind against POCO or its promotional agents.

4. To enter the Competition you must be 18 years old or older and live in South Africa (being a resident or a citizen). Directors and/or Members and/or Agents and/or Promoters and/or Consultants to Promoters and/or Employees and/or Contractors and/or Family members of any of the following companies are not eligible to enter or even claim the prizes: POCO, including all employees within the Steinhoff Group of Companies.

5. Winners shall be randomly selected from the whole group of sign ups on the newsletter database.

6. The judges‘ decision is final and no correspondence will be entered into.

7. The winner/s will be notified via email. Once contacted, winners should provide the following information to POCO within 10 business days: Name, Surname, Identity Number, Mobile Phone Number and E-mail address. If this information is not provided within 10 business days, POCO reserves the right to forfeit the prize. Winners have 8 weeks after they provided the information above to collect their prize at specified POCO Store, failing, the winner will forfeit the prize, in such an instance, POCO reserves the right to readvertise the prize for a new winner. The winner agrees to supply a valid identification document (SA ID or passport), e-mail address and mobile phone number and any other validation procedure determined by POCO, in order to claim the prize.

8. The winner agrees to have his/her photo taken, which may be used together with their full names by POCO for advertising and promotional purposes on Social Media platforms, without the obligation to notify or reimburse the winner.

9. By entering the competition, participants will have agreed to “opt in” in terms whereof they will have subscribed to POCO’s future online marketing activities. After subscription, participants can at any given time “opt out” which option shall at all times be communicated with all future correspondence.

10. The prize is not transferable neither can it be exchanged for cash.

11. POCO`s external auditors will oversee the competition.

12. Any violation, attempt and/or suspicion to violate any of these rules will result in the immediate disqualification on the participant.

13. Entrants indemnify POCO or their respective affiliates for any loss or damage that it or its respective affiliates may suffer because of the Entrant’s breach of these terms and conditions. Consequently, the Entrants agree to compensate POCO or their respective affiliates for any loss or damage it suffered (including consequential damages and/or legal expenses incurred) because of the Entrant’s breach of these terms and conditions. The Entrants also agree to hold POCO or their respective affiliates harmless for any claim made against it or their respective affiliates by third parties due to the Entrant’s breach of these terms and conditions.

14. The prize may not be awarded if entry procedures or these terms and conditions have not been adhered to or if POCO detects and/or suspects any irregularities or fraudulent practices.

15. All participants indemnifies POCO and any other company associated with the competition and its advertising agencies against any and all claims howsoever from their participation in this competition.

16. All participants further indemnifies POCO from any claim should this Competition be called off or extended for any reason whatsoever. Consequently, all participants agree to waive any rights they may have in terms of this Competition and acknowledge that they have no recourse against POCO or any of its promotional agents.

17. The winner will be required to sign a detailed indemnity document prior to redeeming or delivery of a prize.

18. If required, as a result of a change in legislation by the Minster of Trade and Industry or if the Competition is declared unlawful, POCO reserves the right to terminate this competition immediately and without notice. In the event of such termination, all participants agree to waive any rights they may have accrued in terms of this Competition and acknowledge that they have no recourse against POCO or its promotional agents.

19. At the end of the competition of all POCO`s obligations with regard to the Competition as well as with regard to the prize shall cease to exist.

20. These terms and conditions are severable and are governed by the laws of the Republic of South Africa.

 

8. Double your VAT back promotion Terms & Conditions 

Abbreviated Terms and Conditions for Double Your VAT Back promotion

 

  1. The promotion will run from 27 April 2018 to 1 May 2018. You can participate in this promotion by purchasing qualifying items in one of our stores while stocks last.

 

  1. The qualifying items will be discounted by 15% from their normal selling prices and once the purchase has been completed, the customer will receive a 15% voucher based on the qualifying items normal selling price which will be valid from 2 May 2018. The total value of the promotion is therefore 30% of the normal selling price of qualifying items.

 

  1. The qualifying items are furniture, base sets, outdoor, homeware, lighting, rugs, linen, tableware, cleaning And More!*. For a full list please read the full terms and conditions below. Promotion excludes but is not limited to electronics, appliances, kitchens, built-in cupboards and all products already on promotion.

 

  1. Lay-bys are not available for this promotion.

 

Double your VAT back promotion terms and conditions

 

Full Terms and Conditions for Double Your VAT Back promotion

 

  1. The Abbreviated Terms and Conditions apply as stated above.
  2. Qualifying items are listed in the Abbreviated Terms and Conditions. Qualifying items will be determined by the customer’s till slip. Qualifying items are indicated with a “V”. In the Abbreviated Terms and Conditions “And More!*” refers to certain: DIY products; paints; small furniture; outdoor furniture; stationery; decoration items; textiles; baby accessories however not all of the items in these additional ranges qualify.
  3. The 15% voucher is only valid from 2 May 2018. The customer may only use the voucher from this date onwards. The voucher validity date falls within the Consumer Protection Act s34(4)(d).
  4. Lay-by sales purchases do not qualify for the promotion.
  5. Advertised prices are applicable whilst specific sale stock lasts.
  6. Actual product may differ from images presented.
  7. The promotion cannot be used in conjunction with another promotion.
  8. Reasonable errors and omissions accepted.

 

Returns of items purchased on this promotion:

 

  1. If a customer would like to return items purchased on this promotion, we are happy for you to return or exchange any item within 30 days, just bring it back unused with the original packaging undamaged as well as your 15% back voucher. Understandably, items that have been self-assembled cannot be returned. All returns must be accompanied with the original till slip. The normal returns policy will apply.
  2. In cases where the item is unused, POCO is entitled to charge a handling fee (in terms of the Consumer Protection Act s20(5) and (6)). The customer will be charged a 15% handling fee for items returned on the promotion. To avoid the handling charge, the customer could opt to return the voucher unused or the items purchased with the voucher, provided that the items comply with the returns policy and the items are in a new condition, undamaged and in original packaging.
  3. In cases where the item is used, the customer will only be entitled to return the item and a refund if the item is defective. The defect must be demonstrated to POCO and POCO reserves the right to request an inspection by a technician from the manufacturer to determine the defect. Only in cases where a defect is proven can the item be returned and the customer has the choice of an exchange, repair or refund. Should the customer choose to take a refund, the item would need to be returned in an unused condition and in its original packaging.
  4. If a customer would like to return an item purchased with a voucher, if the item meets the requirements of the return policy then the customer will be refunded with a voucher.

9. Financial Services

Who are we?

JD Financial Services offers a range of financial solutions to the following well-known brands: Bradlows, Rochester, HiFi Corp, Incredible Connection, Sleepmasters, POCO and Russells.

All our Brand Partners are Customers Goods and Services Ombud [CGSO] Members that uphold the Consumer Goods and Service Code

Our Products and Services include:

  1.  Secured and Unsecured Loans
  2.  Long and Short Term Insurance Products

JD Financial Services a division of Pepkor Trading (Pty) Ltd an authorized Financial Services Provider (FSP3247) duly authorized to act on behalf of Century Capital (Pty) Ltd, a registered Credit Provider (NCRCP 74), Abacus Life Ltd and Abacus Insurance Ltd

Our Customer Value Proposition

  1. Flexible terms to make purchases more affordable
  2.       Flexible Insurance options by Abacus, our Insurance Partner
  3.       Transparent credit application process
  4.       Affordability assessments to ensure that our customers can afford the goods
  5.       Various payment options Cash, Debit Order, EFT, Easy Pay etc.

What is your Rights and Obligations as a Consumer?

  1. One free Credit Report from each registered Credit Bureau once a year
  2. Contest any incorrect information on your report by lodging a dispute with the credit bureau
  3. An understandable, credit agreement in plain language
  4. Feedback as to why a credit application was unsuccessful
  5. Protection against reckless credit lending
  6. Assistance when over-indebted
  7. Right to privacy
  8. Right to choose your product
  9. Right to fair and honest dealing
  10. Right to accountability by suppliers, to fair value, good quality and safety
  11. Right to fair, just and reasonable terms and conditions
  12. Right to equality in the consumer market and protection against discriminatory marketing

What do we require from you as a Consumer?

Your consent to access any of your personal information required from any Credit Bureau and other agencies, as permitted by law, to:

  1. Make enquiries to obtain or confirm your credit profile and repayment behaviour;
  2. Verify your Credit Profile; and
  3. Retain records of the consumer’s personal and credit information in any database in accordance with the provisions of the NCA.

Our Commitment to you, the Consumer!

  1. Investigating suspected fraud on our customer’s profile.
  2. Provide consumer with a statement of his| her account every three months
  3. Communicate to consumer in his | her language of preference
  4. To give to the consumer a copy of the agreement
  5. To protect the confidential information about consumers
  6. To report to the NCR or to a credit bureau, the details of every credit agreement concluded, as well as the termination of the agreement when the debt has been paid in full
  7. To propose to the consumer to seek advice when the consumer is in default
  8. To maintain records of credit applications, agreements and accounts as prescribed in law
  9. Provide credit in a responsible manner and not to over-indebt consumers

Helpful Credit Tips!

  1. Caution against over-indebtedness
  2. Consumers are advised to seek help during tough economic times.
  3. Know your Financial Status
  4. Conduct a monthly budget to manage all your income and expenditure.
  5. Know all your credit providers’ contact details
  6. When you are experiencing problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.
  7. Preserve your credit profile.
  8. Prioritise and pay your debt – never avoid your repayments
  9. Do not promise to pay what you don’t have. Rather negotiate for lower instalments than avoid payments
  10. Always act on a letter of demand
  11. If and when you receive letters from your creditors do not ignore them, act on them and seek help!!
  12. A consumer who is over-indebted may approach a debt counsellor directly, or he/she may be referred to a debt counsellor by his/her creditor/s or by the magistrate court.

 

Helpful Links and Contact Details

1. Monthly Income & Expenses [Budget]

Template https://templates.office.com

2. National Credit Regulator

http://www.ncr.org.za

3. Financial Services (FAIS) Ombudsman

https://www.faisombud.co.za

4. Ombudsman for Short Term Insurance

http://www.osti.co.za

5. Ombudsman for Long-Term Insurance

http://www.ombud.co.za

6. Online Ombudsman

https://www.ombudsman.co.za

7. Credit Ombudsman

www.creditombud.org.za

8. Financial Advisory and Intermediary Services. Act, 2002 (Act No. 37 of 2002)

https://www.gov.za/documents/financial advisory-and-intermediary-services-act

9. National Credit Act, No 34 of 2005 | Consumer Protection Act, No 68 of 200

http://www.justice.gov.za/mc/vnbp/act2005-034.pdf

10. The Protection of Personal Information Act, No 4 of 2013

http://www.justice.gov.za/legislation/acts/2013-004.pdf

11. Transunion

defmove@transunion.co.za

12. Experian

eza.admin@experian.com

13. XDS

admin@xds.co.za

Minimum Application Requirements include:

  1. ID Book; or
  2. Official Residential Permit for non-RSA nationals;
  3. Latest pay slip;
  4. Three months bank statements;
  5. Monthly expense details and their household content insurance and/or Credit Life policy documents.

These requirements are dependent on your employment status and risk profile.  INTEREST RATE, INSTALMENT AND CREDIT PRICE MAY VARY BY CREDIT PROFILE AND LOAN TERM.

Offers are subject to the verification of the identification of the applicant and applicant being above the age of 18, who is in possession of a valid identity document.

Consumers can easily visit any of our Brand Partner’s stores countrywide and apply for credit or by visiting any of their websites.

Do you have a service or product question or concern?

Any loan account queries/complaints will be handled by the JD Financial Services and

NOT the Brand Partner. Send an email to query@jdg.co.za or contact us telephonically on +27 (10) 211 1120

How to lodge a complaint

Sent via email:  query@jdg.co.za

Telephonic:      +27 (10) 211 1120

Sent via fax:      086 649 6485

Sent via post:    PO Box 4208, Johannesburg, 2000

Abacus Insurance handles all Credit Life Insurance related queries and claims, except where the customer has their own insurance with another insurance provider.  Send an Email to claims@abacus-insurance.co.za

FAQ

  1. What is my settlement amount or balance?                                       Email query@jdg.co.za
  2. Need my paid-up letter?                                                                         Email query@jdg.co.za
  3. Why is my credit bureau information not up to date?                     Email legal@jdg.co.za
  4. What does my insurance cover?                                                           Email claims@abacus-insurance.co.za
  5. Where can I update my personal information?                                 Call 010 211 1386
  6. Where can I get a copy of my contract?                                               Call 010 211 1386
  7. Why am I receiving collection calls?                                                    Call 010 211 1386
  8. I need a statement of my account?                                                       Email StatementsSCI@jdg.co.za
  9. Why was my debit order not deducted from my bank account?    Email debitordercollections@jdg.co.za
  10. What is the status of my credit application?                                      Call 010 211 1386
  11. I want to make payment arrangements?                                             Call 010 211 1386
  12. Why is my credit application being declined?                                    Call 010 211 1386
  13. I do not understand my credit agreement, can you explain?          Call 010 211 1386
  14. I want to make a payment, what are your payment options?         Email jdfsbanking@jdg.co.za
  15. I want to report poor customer service                                                Email query@jdg.co.za

Alternative Resolution

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

  1. Credit Ombudsman:                     086 1662 837
  2. National Credit Regulator:         086 062 7627
  3. Credit Bureau:                               086 1128 364