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    Read the Terms & Conditions.
  • What is a Credit Quick Check?


    With a Quick Credit App you’ll instantly know whether you are eligible for an INspire credit limit facility, allowing you to complete the application process with confidence.

    Terms & Conditions

    PAYMENT

    Instalments due will in the ordinary course be paid by way of debit order.

    FURTHER INFORMATION ON RIGHTS AND OBLIGATIONS AND OTHER MATTERS

    Credit Limit

    The calculations above are based on the assumption that you use the maximum credit limit. The maximum credit limit may not be available to you for immediate use. The credit allocation shows the amount available for immediate use.

    Terms and Conditions

    The terms and conditions below set out the rights and obligations under your credit facility.

    Your Warranties

    By applying for credit and entering into the agreement you warrant to us that –

    • if you are married in community of property, your spouse has consented to the conclusion of this agreement in writing and that his/her signature to such consent has been witnessed by two witnesses, as required by section 15 of the Matrimonial Property Act, You agree to provide us with such written consent if we request it;
    • the terms of this agreement do not conflict with and do not constitute a breach of the terms of any other agreement or undertaking that is binding on you;
    • all information that you provided to us in connection with this agreement (for example information used for the affordability assessment) is in all aspects true, complete, current and accurate; you are not aware of any material fact or circumstances not disclosed to us, which if disclosed, would adversely affect our decision to grant credit to you; and
    • you are not subject to an administration order or under debt review and you do not plan to apply for an administration order or debt review.

    A warranty is similar to a guarantee or promise. Should the warranties you provide to us not to be true and correct, you will be in breach of the agreement.

    TERMS AND CONDITIONS

    We are a registered credit provider (NCRCP47), authorised by the National Credit Regulator to carry on business as such in terms of the Act. Should an account be granted to you by us our relationship will be governed by these standard terms and conditions.

    MEANING OF WORDS USED IN THIS DOCUMENT

    • "account" means the account opened in your name to which we will, in accordance with this agreement, add (debit) amounts payable by you and deduct (credit) amounts paid by you;
    • "agreement" means this credit facility agreement together with all of its annexures, the quotation, and any instructions, requirements and notices that we provide to you in connection with the use of your account;
    • "alternative dispute resolution agent" means a person that assists in the resolution of consumer credit disputes through conciliation, mediation or arbitration;
    • "collection costs" means amounts that we may charge you to cover the costs of recovering the debt that you owe us should you fail to adhere to payments that are required in terms of this agreement;
    • "commencement date" means the date on which your account is activated as per clause Once accepted, we shall activate your account as soon as practicable and thereafter, send a copy of the agreement to the email address, fax number or postal/physical address provided by you. below;
    • "credit allocation" means the maximum amount of credit that we make available for you to use, which amount will not exceed the credit limit;
    • "credit limit" means the amount up to which we may increase your credit allocation;
    • "debt" means the principal debt plus any interest, fees, charges and costs owing by you to us from time to time;
    • "default administration charge" means a charge that we may impose to cover administration costs incurred as a result of your failure to make payments under this agreement;
    • "initiation fee" means a once-off fee in respect of the costs of initiating this agreement;
    • "instalment due" has the meaning set out in clause You are entitled to defer payment of the balance owing by you so long as you pay the amount referred to in your statement of account as the "instalment due" by the date stated in the statement. Any amount deferred will attract interest at the contractual rate of interest referred to in the quotation (see further clause 7 below).;
    • "ombud with jurisdiction" means a government official who has jurisdiction in terms of the Financial Services Ombud Schemes Act, 2004 to hear and deal with consumer complaints;
    • "over-indebted" means that you are (or will be) unable to satisfy in a timely manner your obligations under this agreement and any other credit agreements (entered into either with us, or with a different credit provider) to which you may be party;
    • "personal information" means "personal information" as defined in the Protection of Personal Information Act, 2013;
    • "principal debt" means the amount deferred in terms of this agreement;
    • "purchase" includes a payment you instruct us to make to a third party on your behalf;
    • "quotation" means the pre-agreement statement and quotation provided to you in connection with your application for credit, which sets out the initiation fee and service fee that we will charge you;
    • "service fee" means a monthly fee that we may charge you monthly to administer your account;
    • "settlement amount" means the amount which you may pay in full and final settlement of your Account, as contemplated in clause SETTLEMENT OF YOUR ACCOUNT;
    • "the Act" means the National Credit Act, 2005 and any amendments thereto;
    • "the Regulations" means the National Credit Regulations, 2006 promulgated under the Act or any other regulations promulgated under the Act; and
    • "we/us" means Lewis Stores (Pty) Ltd (Registration Number 1946/023387/07), trading as INspire, a private company with limited liability duly incorporated in South Africa and the credit provider under this agreement. Our contact details are provided on the first page of the quotation;
    • "written notice" or "in writing" includes data generated, sent, received or stored by electronic means; and
    • "you" means the consumer identified in the quotation and who is party to this agreement.

    YOUR ACCOUNT

    • If we accept your application for credit, then this agreement shall set out the terms and conditions which apply to your account.
    • Once accepted, we shall activate your account as soon as practicable and thereafter, send a copy of the agreement to the email address, fax number or postal/physical address provided by you.
    • We may in future offer to sell you financial products or services, and if you accept such an offer, we will add the cost of the financial products or services to your monthly instalment.
    • Your account may only be used to make such purchases as we may offer to holders of accounts from time to time.

    UNDERSTANDING YOUR CREDIT LIMIT AND CREDIT ALLOCATION

    Any purchases of goods and services you make using your account are at all times limited to your credit allocation. This is the maximum total cost of goods and services that you may purchase from us using your account. You undertake not to effect purchases in excess of your credit allocation. Your credit allocation may be increased or decreased by us at any time, subject to our sole discretion, but we shall not increase your credit allocation to an amount that is greater than your credit limit. We may request you to provide further information before we increase or decrease your credit allocation. You must provide such information to us if we request it.

    Your credit limit is set out in the quotation provided to you.

    Should you require a lower credit limit and or credit allocation, please notify us. Once we receive your notification we shall provide you with written confirmation of the new credit limit and the date on which the new credit limit will take effect, which shall not be later than 30 (thirty) business days following the date of the written confirmation.

    We shall be entitled to decrease your credit limit at any time by written notice to you. Such decrease shall be effective upon delivery of our written notice.

    We may increase your credit limit temporarily either by honouring a purchase you make despite the fact that it results in a debt exceeding the established credit limit, or in response to a request from you in order to accommodate a particular transaction. You will then only be able to make further purchases on your account once you have made payments bringing your debt down to below your established credit limit.

    We may at any stage in writing agree with you to increase your credit limit.

    If you have specifically confirmed at the time of entering into this agreement that we may automatically increase your credit limit from time to time, we shall be entitled to increase your credit limit automatically from time to time, in accordance with the Act.

    If for any reason your monthly income becomes significantly less or your monthly expenditure becomes significantly more you must notify us so that we can request more detailed information and consider your position.

    STATEMENT OF ACCOUNT

    • We shall provide you with a statement of account periodically (at least once every 90 (ninety) days) setting out any payments received from you during the current billing period and the amounts that you owe. You can also view your statement of account online on our website. We may send your statement of account to your email address or to your physical address if we choose to do so.
    • You are entitled to defer payment of the balance owing by you so long as you pay the amount referred to in your statement of account as the "instalment due" by the date stated in the statement. Any amount deferred will attract interest at the contractual rate of interest referred to in the quotation (see further clause INTEREST below).

    DISPUTING ENTRIES

    You have the right to dispute any credit or debit entry on your statement of account. You may do so by contacting our call centre or by sending a written notice to us.

    • You must do so as soon as you become aware of the entry you wish to dispute and in any event within 30 (thirty) days of the date of the statement of account reflecting the entry.
    • Once notified, we shall contact you to resolve the matter.
    • You will be required to provide us with any assistance and information we may request, including any applicable documents.
    • We shall not begin enforcement proceedings in respect of an entry on your statement of account that you have disputed until we have considered the matter and responded to you.

    FRAUD AND UNAUTHORISED USE

    • You are the only person who may use your account. You may not transfer it to any other person or allow any other person to use it. You must comply with the security requirements for use of your account, in accordance with the instructions, requirements and notices that we provide to you.
    • If your account has been used fraudulently, you must notify us as soon as you become aware of it and in any event within 30 (thirty) days of the date of the statement of account reflecting the fraudulent use. You may do so by contacting our call centre or by sending a written notice to us. We will investigate the position and if we conclude that you did not make the purchase and otherwise complied with our security requirements for use of your account, we will not hold you liable for the disputed purchases.
    • You will be required to provide us with any assistance and information we may request, including any applicable documents.
    • We may hold you liable for all purchases made on your account if you fail to notify us of any alleged fraud within the time period set out in clause  If your account has been used fraudulently, you must notify us as soon as you become aware of it and in any event within 30 (thirty) days of the date of the statement of account reflecting the fraudulent use. You may do so by contacting our call centre or by sending a written notice to us. We will investigate the position and if we conclude that you did not make the purchase and otherwise complied with our security requirements for use of your account, we will not hold you liable for the disputed purchases. or if you fail to comply with our security requirements for use of your account.

    INTEREST

    • Interest will be calculated daily on you full outstanding balance and compounded monthly. We are entitled to add any unpaid interest to the outstanding balance and the principal debt.
    • Interest will be charged at the rate of interest per year set out in the quotation provided to you. That rate is a variable rate and it may increase or decrease during the term of this agreement by fixed relationship to the South African repo rate.

      This means that if the South African repo rate increases (decreases), your interest rate will increase (decrease) by the same percentage points.

    • The rate of interest may, at our discretion, be discounted to a lower rate or even waived entirely on the special 6 month and selected other payment plans, should such plans be made available to you at our discretion and on condition that your account does not fall into arrears. If your account falls into arrears (because you have not paid the instalment due by the due date or because you have paid less than the instalment due by the due date), then we will charge interest at the rate of interest contemplated in clause Interest will be calculated daily on you full outstanding balance and compounded monthly. We are entitled to add any unpaid interest to the outstanding balance and the principal debt. above.
    • We shall give you written notice of a change to the interest rate within 30 (thirty) business days of the change having taken effect.

    INSTALMENT DUE

    • The instalment due is the amount you must pay each month and will be set out in your statement of account. As previously stated (see clause You are entitled to defer payment of the balance owing by you so long as you pay the amount referred to in your statement of account as the "instalment due" by the date stated in the statement. Any amount deferred will attract interest at the contractual rate of interest referred to in the quotation (see further clause 7 below).), you must pay this amount on or before the due date stated in the statement. If you do not do so, you will be in breach of this agreement and your account may be terminated (see clause DEFAULT).
    • You may not defer or withhold any amount payable in terms of this agreement by reason of set-off or counterclaim.
    • The instalment due will be determined by the payment plan you select at the time of a particular purchase. If, at the time of your purchase, we do not offer a specific payment plan or you do not select a specific payment plan, we shall determine your instalments relating to such purchase on the basis of payment within 12 (twelve) months.
    • The instalment due will be calculated by us and will be based on your purchases, all interest accrued but not yet paid, and all fees and other charges payable by you.

    PAYMENTS

    • We shall credit each payment made in respect of your account as at the date of receipt of the payment as follows:

      • first, to satisfy any due and unpaid interest charges;
      • secondly, to satisfy any due or unpaid fees or charges not included in the principal debt; and
      • thirdly, to reduce the amount of the principal debt.
    • You may, at any stage (including before the time that payment is due), make extra payments should you wish to do so by using any of the payment methods set out in your statement of account.

    SETTLEMENT OF YOUR ACCOUNT

    • You are entitled to settle your account and terminate this agreement at any time, with or without advance notice to us by paying:
      • the unpaid balance of the principal debt at that time;
      • the unpaid interest charges and all other fees and charges payable by you to us up to the settlement date.
    • You are entitled to request a statement for the settlement of the outstanding amount from us.
    • The statement requested in terms of clause You are entitled to request a statement for the settlement of shall be delivered to you orally, in person or by telephone. Alternatively, the statement can be delivered to you in writing, in person or by sms, mail, fax, e-mail or other means.

    DEBIT ORDER MANDATE

    By granting us a debit order mandate you authorise us to satisfy your obligations by making a charge against a bank account held by you. While you are in good standing, we shall deduct the instalment due only.

    DIFFICULTIES IN MAKING PAYMENTS

    If you have any difficulties in paying your debt you are encouraged to contact and discuss the matter with us as soon as possible.

    OVER-INDEBTEDNESS AND DEBT REVIEW

    You are entitled to apply to a registered debt counsellor for debt review in terms of section 86 of the Act. To apply, you must obtain and complete the prescribed form and pay the prescribe fee. A registered debt counsellor can provide the prescribed form to you and tell you what the prescribed fee is. If you are declared over-indebted, the debt counsellor will assist you with debt arrangements or other appropriate remedies.

    DEFAULT

    • You will be in default in terms of this agreement where:
      • you fail to pay any instalment due on the required date;
      • you breach any of the provisions of this agreement;
      • you allow any judgment against you to remain unsatisfied for a period of 7 (seven) days, unless an appeal has been noted against such judgment;
      • you commit any act of insolvency as contemplated in the Insolvency Act, 1936;
      • you are provisionally or finally sequestrated;
      • you make any incorrect or untrue statement, warranty or representation in connection with this agreement or your financial affairs or particulars relevant to this agreement; or
      • you do anything to prejudice our rights in terms of this agreement or cause us to suffer any loss or damage.
    • In the event that you are in default of this agreement, we may send you a notice in writing informing you of your default.
    • If you remain in default after such notice, we may institute legal proceedings against you.
    • If we have not cancelled this agreement, you have the right to remedy a default by paying us all amounts that are overdue together with default administration charges and reasonable costs of enforcing the agreement up to the time the default is remedied.
    • At any stage that you are in default (regardless of whether or not you have received notice as contemplated in clause In the event that you are in default of this agreement, we may send you a notice in writing informing you of your default. above), we are entitled to:
      • suspend your account immediately; or
      • to close your account and cancel this agreement by giving you written notice of at least 10 (ten) business days.

      In either case, you will continue to be liable to us until you have paid all amounts lawfully charged to the account.

    • Subject to the Act, if you are in default we may declare all amounts owing by you to us to become due and payable immediately, in which event you must pay all such amounts to us immediately. In the event of your estate being sequestrated, we may lodge a claim for the full amount outstanding to us, plus interest.
    • If you are in default, we shall charge you default interest at the rate permissible in terms of the Act on the amount overdue. In addition, we may charge you default administration charges and collection costs in the amount permissible under the Act. You must pay all such charges and costs to us.

      As at the date of this agreement, the Act provides that the interest rate charged following your default may not exceed the highest interest rate applicable to the principal debt under this agreement. Default administration charges may be imposed by us to cover administration costs incurred as a result of your having defaulted on an obligation under this agreement. Collections costs refer to amounts (excluding any default administration charge) that we may charge or incur for the enforcement of your monetary obligations under this agreement, including all of the legal fees and charges we may incur.

    CERTIFICATE

    A certificate of balance signed by any manager of Lewis Stores (Pty) Limited, whose capacity or authority it will not be necessary to prove, may be used as prima facie (at face value) proof of the contents of such certificate, including the prevailing rate of interest and the fact that such amount or balance is due and payable by you.

    DISPUTES

    Should a dispute arise, we shall propose to you that this agreement be referred to a debt counsellor, alternative dispute resolution agent, court or the Ombud with jurisdiction, as appropriate, with the intention of resolving the matter.

    CREDIT BUREAUX

    • You consent to us making enquiries about your credit record with any registered credit bureaux to confirm information provided to us and to assist us to conduct an assessment concerning your liabilities.
    • You permit us to make information regarding your application and the opening and termination of your account and other matters relating to this agreement available to registered credit bureaux.
    • Credit bureaux may use this information to develop a credit profile and a credit score on your credit worthiness.
    • Information that will be sent to the credit bureaux will include any non-compliance with this agreement.
    • We shall be entitled to send such information to all credit bureaux registered with the National Credit Regulator. You may contact us for their contact details.
    • You have the right to contact the credit bureaux and to request information concerning you that they have in their possession. You have the right to correct any wrong information concerning you that has been given to a credit bureau.

    PROCESSING OF PERSONAL INFORMATION

    • Your privacy is important to us and we will use reasonable efforts in order to ensure that any information, including personal information, provided by you, or which is collected from you or third parties, is stored in a secure manner.
    • You agree to give us (where applicable) honest, accurate and current information about yourself and to update such information when necessary.
    • The personal information which we collect from you may be used for the following reasons:

      • to comply with statutory and regulatory requirements in respect of the storage and maintenance of documents and information;
      • to conduct an affordability assessment in terms of the Act;
      • to comply with valid requests for information, including subject access requests and requests in terms of the Promotion of Access to Information Act, 2000;
      • to comply with information requests by regulators or bodies lawfully requesting the information (for example, tax authorities);
      • for assessing consumer complaints;
      • for various marketing and cross-selling purposes if you have agreed to receive marketing information from us;
      • for internal purposes such as training and monitoring; or
      • to assist in law enforcement and anti-money laundering and counter-terrorist financing initiatives.
    • You acknowledge that any information which you have given to us in connection with this agreement is provided voluntarily. You further acknowledge that in furnishing us with any information you have given us unconditional, specific and voluntary consent to process (including storing) such information in terms of this agreement and/or under any applicable law in the manner contemplated in clause The personal information which we collect from you may be used for the following reasons: above, which consent shall, in the absence of any written notice received from you, be indefinite and/or for the period otherwise required in terms of any applicable law.
    • If you reasonably believe that we have utilised your personal information contrary to applicable law, you undertake to first attempt to raise and resolve any concerns with us. If you are not satisfied, you have the right to lodge a complaint with the Information Regulator at telephone number 012 406 4818 or fax number 086 500 3351 or email address inforeg@justice.gov.za.

    COMPLAINTS

    You must raise any complaint with our Customer Services Department first. Our contact details are provided on the first page of the quotation. If we are unable to resolve the matter, you can raise it with any of the following entities:

    • the National Credit Regulator at PO Box 2694, Houghton 2041; Tel: 011 647 4400; Fax: 011 484 6122; or
    • the Tribunal at Private Bag X84, Pretoria 0001; Tel: 012 394 1450; Fax: 012 394 2450; or
    • an alternative dispute resolution agent.

    ADDRESS FOR NOTICES

    • You choose the physical address stated in the quotation if we choose to serve any court processes and the email address stated in the quotation for any other notices we may send you.
    • You undertake to promptly provide to us notification in writing of any changes to your physical address or email. You may change your physical address or email address by updating your personal profile on our website.
    • Notices and court processes which you wish to send to us may be sent to our physical address and email address stated in the quotation. We may change such addresses by written notice to you.

    CESSION AND DELEGATION

    • We may without notice to you cede (transfer) all or any part of our rights, title, and interest, and/or delegate all or any of our obligations, arising from this this agreement to one or more third parties. You consent to the splitting of claims against you that may result from any such transaction.
    • Unless instructed otherwise, following cession (transfer) of this agreement in terms of clause We may without notice to you cede (transfer) all or any part of our rights, title, and interest, and/or delegate all or any of our obligations, arising from this this agreement to one or more third parties. You consent to the splitting of claims against you that may result from any such transaction., you must continue to pay us (or our agent). We (or our agent) will collect the payment as agent for the third party to whom the rights have been transferred or ceded.
    • Unless the context indicates otherwise, any reference to 'we' or 'us' in this agreement will be deemed to include the cessionary (transferee).

    RELAXATION AND AMENDMENT

    • No relaxation or indulgence granted by us or by you shall be a waiver of rights contained in this agreement.
    • We may on written notice to you change or amend the terms of this agreement, subject to the requirements of and to the extent permitted by the Act.
    • Subject to clause We may on written notice to you change or amend the terms of this agreement, subject to the requirements of and to the extent permitted by the Act., no change or amendment of the terms of this agreement shall be valid, unless:

      • it is in writing and has been signed by both parties; or
      • the agreement of the parties has been recorded electronically in a manner permitted by law.
    • In the event this agreement is changed or amended, we shall deliver to you a copy of the amended agreement within 20 (twenty) business days of the alteration.

    SEVERABILITY

    In the event any one or more of the provisions contained in this agreement are for any reason held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability will not affect any other provision of this agreement, which will be construed as if such invalid, illegal or unenforceable provision had never been included, and the agreement will be given effect to as nearly as possible according to its original terms and intent.

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