Capfin SA - ZuluI-CAPFIN SA (PTY) LTD IMIGOMO NEMIBANDELA (NCRCP11812)Nansi iMigomo kanye neMibandela yeSivumelwano Semalimboleko (ngokwesigaba 93(2) soMthetho Kazwelonke Wezikweletu onguNo. 34 wezi-2005 (“uMthetho”) ye-Capfin SA (PTY) Ltd (“i-Capfin”). Le Migomo kanye neMibandela iyingxenye futhi kumele ifundwe kanyekanye nezwi eliqoshiwe leSitatimende Esandulela Isivumelwano Semalimboleko kanye Nesilinganiso Semali Ecelwayo kanye neSivumelwano Semalimboleko. Yonke into ebhekiswe “kwisivumelwano” lapha ngezansi izobe ichaza izwi eliqoshiwe leSitatimende Esandulela Isivumelwano Semalimboleko kanye Nesilinganiso Semali Ecelwayo kanye neSivumelwano Semalimboleko ndawonye nale Migomo kanye neMibandela.1.ISINGENISO1.3 Isivumelwano siphothulwa uma abakwa-Capfin sebekwamukele lokho okubeka etafuleni futhi besigunyaza isicelo sakho semalimboleko. Ukunikezelwakwemalimboleko kulele entandweni yabakwa-Capfin ngokuphelele.3.3 Uma kwenzeka abakwa-Capfin beshintsha isilinganiso senzalo, inani lezinhlawulo noma izinkokhelo ezisebenzayo kwi-akhawunti yakho noma ukuphindaphindwa nomaisikhathi sokukhokhwa kwenhlawulo yesikweletu noma inkokhelo njengoba kuhlinzekelwe kwi-NCA, abakwa-Capfin bazokwazisa ngokukubhalela nge-SMS ngezinguquko ezihlongozwayo okungenani ezinsukwini zokusebenza ezi-5 ngaphambi kokuba lolo shintsho luqaliswe ukusebenza.5a. IMIGOMO YOKUKHOKHWA KWAMA-DEBIT ORDER NGAPHANSI KOHLELO LWE-NAEDO INDLELA YOKWENZIWA KWENKOKHELO.5.2.5 Imiyalelo yezinkokhelo okumele zikhokhwe ngoDisemba kungenzeka zidonswe kwi-akhawunti yakho ngoLwesihlanu olwandulela umhla ziyi-14 kuDisemba, ngaphandle-ke umakuvunyelwene phakathi kwezinhlangothi zombili;5.2.8 Uma kunemali enganele ukuba kudonswe isitolimende sakho, abakwa-Capfin bazokuba nelungelo lokulandelela i-akhawunti yakho bese befaka umyalelo wokuthi kwenziweinkokhelo ngokuphazima kweso ngemuva kokuba sekukhona imali eyanele kwi-akhawunti yakho.5b. IMIGOMO YOKUKHOKHWA KWAMA-DEBIT ORDER NGAPHANSI KOHLELO LWE-DEBICHECK INDLELA YOKWENZIWA KWENKOKHELO.5.1 Uma inani lemalimboleko selikhokhiwe ku-akhawunti yakho yasebhange, uzoba Nomthwalo wokukhokhwa kwesamba esiphelele semali njengoba kubaluliwe esivumelwaneni (okuyisamba semalimboleko nenzalo kanye nazo zonke ezinye izinkokhelo ezifana izindleko zokuphathwa kwesikweletu).5.2 Uzohlinzeka nge-debit order malungana nanoma yiliphi inani okufanele likhokhwe ngaphansi kwesivumelwano futhi uyavumelana nalokhu okulandelayo:5.2.1 Abakwa-CAPFIN izohlela i-debit order ku-akhawunti yakho ukuze badonse izitolimende ngosuku lwakhona noma ngosuku lapho umqashi wakho afaka ngalo umholo wakho;5.2.2 QAPHELA uma ezinye zalezi zitolimende kufanele zidonswe ngempelasonto noma ngeholide lomphakathi, abakwa-CAPFIN bangase badonse i-debit order ngasuku olungaphambili olungusuku lomsebenzi;5.2.3 Ireferensi esitatimendeni sakho sasebhange sawo wonke ama-debit order akwa-CAPFIN kuyoba ngu-CAPFIN;5.2.4 Uma kukhona imali enganele ukuba kudonswe isitolimende sakho, abakwa-CAPFIN bazoba nelungelo lokulandelela i-akhawunti yakho futhi babeke umyalelo wokuba kukhokhwe masinyane lapho imali eyanele seyikhona ku-akhawunti yakho.5.2.5 Zonke izitolimende zenyanga kanye nanoma yimaphi amalungiselelo okukhokha azodonswa emininingwaneni yakho yasebhange esanda kunikezwa. Lokhu kusho ukuthi uma kwenzeka ukuthi imininingwane yasebhange ehlinzekiwe ayisebenzi noma yigunyazwanga nguwena, abakwa-CAPFIN bazoba nelungelo lokudonsa imali kunoma iyiphi i-akhawunti yasebhange esebenzayo.5.2.6 Uma i-akhawunti yakho isilela emuva, abakwa-CAPFIN bazoba nelungelo lokudonsa inani elengeziwe elifinyelela engxenyeni eyodwa nohhafu wesamba sesitolimende okuvunyelwene ngaso. Lesi samba singaphezu kwesamba sesitolimende senyanga.5.3 Kulindeleke ukuthi ukhokhele inani eligcwele lesivumelwano ngezitolimende zenyanga Ngohlelo lwe-debit order esikhathini esibaluliwe okuvunyelwene ngaso uma kufika usuku lomnqamulajuqu. Uma kwenzeka kube nenkinga nge-debit order, isibopho sikuwe ukuba wenze amanye amalungiselelo okukhokha ngaphambi kosuku lwesitolimende ukuze ugweme unhlawulo yenzalo noma izindleko zomthetho ezizofakwa ku-akhawunti.Uma ungahambisani ncimishi nemithetho evezwe kulesi sivumelwano, wenza noma yisiphi isenzo sokushona emalini, umukwa impahla okwesikhashana, wenza nanoma yiziphiizitatimende ezingelona iqiniso kanye nokumeleleka, uhluleka ukudalula nanoma yiluphi ulwazi olusemqoka esicelweni semalimboleko, noma wenze noma yini engabeka amalungelo abakwa-Capfin engcupheni, abakwa-Capfin ngaphandle kokulimaza nanoma yiliphi elinye ilungelo elingaqongeleleka kwabaka-CAPFIN, bangafuna inani eliphelele olikweletayo elibandakanya, ngaphandle kwemikhawulo, inani lemalimboleko, inzalo yemali esilele, kanye nanoma yiziphi ezinye izinhlawulo ozikweletayo enanini lemalimboleko elisele). Kulezi zimo, izinyathelo zenqubo ezivezwe ku-6 ngenhla zizosebenza ngokuqinile.Ngokwesigaba sama-45 soMthetho Wenkantolo Kamantshi, wama-32 ka-1944, uyavuma lapha ukuthi abakwa-Capfin bangathatha nanoma yiziphi izinqubo zomthetho eziphathelenenalesi sivumelwano noma i-akhawunti yakho, eNkantolo Kamantshi. Uyavuma ukuthi singafaka icala kunoma iyiphi iNkantolo Kamantshi, ngokwesigaba sama-28 soMthetho Wenkantolo Kamantshi, enamandla esikhundla ngaphezu kwakho. Uma kumele siye enkantolo nganoma yisiphi isizathu esihlobene nalesi sivumelwano, kuyomele uzovela eNkantolo Kamantshi. Nakuba kunjalo singakhetha ukufaka icala ngawe kunoma iyiphi inkantolo enandla esikhundla.12.3 Ikheli elikhethwe ngabakwa-Capfin kanye nemininingwane yokuxhumana ngazo zonke izinhloso ezingaphansi kwalesi sivumelwano imi kanje: inombolo yocingo 087 3540000 noma uthumele igama elithi ‘CASH’ ku-43679, ikheli leposi PO Box 6507, Parow East, 7501 kanti ikheli lendawo yokuhlala liku 1 Industrie Street, Kuils River, 7580.Isitifiketi esisayindwe ngumphathi wakwa-Capfin (okungadingekile ukuba afakazele lokho kuqashwa), sizokuba ngubufakazi obanele bemali esele ngaphansi kwemalimbolekokanye nanoma yimiphi eminye imibandela yemalimboleko, ngaphandle uma kuchazwe ngenye indlela.Abakwa-CAPFIN bagodla ilungelo, nganoma yisiphi isikhathi futhi ngaphandle kokukunikeza isaziso, lokuyekelela nanoma yiliphi noma wonke amalungelo abo ezicelwenizenkokhelo okumele zikhokhwe nguwena bazidlulisele komunye umuntu oqokwe ngabakwa-Capfin. Ngokwamukela lesi sivumelwano, ulapha ukuvuma ngokungenakuguqulwa nangokungenamibandela kulokho kuyekelelwa.Imibandela yalesi sivumelwano iyimibandela ephelele negcwele yesivumelwano esiphakathi kwakho kanye nabakwa-CAPFIN futhi ayikho enye imibandela kanye nemigomoeyengeziwe engakhulunywanga noma engaqondiswanga, ngaphandle uma ichitshiyelwe yisivumelwano futhi ngokuka-14 ngenhla.17.1.1 Ukucutshungulwa kolwazi lwakho oluqondene nawe siqu (“PI”) yi-Capfin, izinkampani zeqembu le-Pepkor, izinkampani eziseqoqweni lakwa-Pepkorkanye nanoma yibaphi abasebenzeli bazo, abalingani okusetshenziswana nabo kwezentengiselwano, amanxusa kanye nosonkontileka abangaphansi kwabanye (okungenzeka ukuthi bangaphandle kwaseNingizimu Afrika) inqobo nje uma bezogcina lolo lwazi luyimfihlo;17.1.3 I-Capfin, izinkampani zeqembu le-Pepkor, izinkampani eziseqoqweni lakwa-Pepkor kanye nabalingani bazo bezentengiselwano abasebenzisa i-PI yakho futhibaxhumane nawe maqondana nemikhiqizo, izinsizakalo, ucwaningo kanye nezithembiso ezikhethekile okungenzeka ube nogqozi kuzona noma zibe yigugu kuwena (ukuthengisa).17.2 Uma ukhetha ukungafakwa emikhankasweni yokuthengisa okuqondile, kufanele weluleke abakwa-CAPFIN ngokubhalwe phansi noma ubhalise isivimbelo kwirejistaefanelekile abakwa-Capfin abaphoqwe ngumthetho ukuba bayibone futhi bayazise. Abakwa-CAPFIN ngeke bakuhlawulise ngokuvuselela lesi sicelo ezinhlelweni zabo. Abakwa-CAPFIN bazoqalisa ukusebenza kwanoma yiziphi izinguquko ezicelwe nguwena ngokuphazima kweso.I-imeyili:: contactcentreadmin@transunion.co.zaI-imeyili:: consumer@experian.co.zaI-imeyili:: info@compuscan.co.zaI-imeyili:: info@cpbonline.co.zaI-imeyili:: data@xds.co.zaI-imeyili:: info@vccb.co.zaI-imeyili: complaints@ncr.org.zaAbakwa-CAPFIN bangangeza amanani asele, aqondene nezimalimboleko zami zangaphambilini angakhokhelwanga, enanini elisele lemalimboleko yami entsha bese beguqulaizinkokhelo zami zanyangazonke eziqondene nemalimboleko yami entsha ngokuhambelana nemali esele kwimalimboleko yami entsha.Ngizoxhumana mina ngokwami nabakwa-Capfin ukuthola isilinganiso semali yokuvala isikweletu esimweni lapho ngifuna ukukhokhela imalimboleko yami ngokuphelele ngaphambikokuphela kwethemu yayo. Ngiyakwamukela ukuthi umuntu wangaphanle ngeke akwazi ukukhokhela ngokugcwele imalimboleko yami egameni lami.· Ukuxhumana nanoma ubani ukubheka ukuthi ulwazi engiluhlinzeke ngezinhloso zokuphothula lesi sivumelwano luyilonalona;· Ukuthola imininingwane kunoma yiluphi uhlangothi mayelana nesimo sami sezezimali kanye nemininingwane yokubhanga kubandakanya nerekhodi lami lezikweletu kanye nomlando wami wokukhokha;· Ukunikeza ngolwazi mayelana nale malimboleko kunoma yiluphi hlangothi, kubandakanya nanoma yisiphi isikhungo sezikweletu noma iRejista Kazwelonke Yezimalimboleko;· Ukudalula kumuntu wangaphandle irekhodi lami lezikweletu kanye nomlando wami wokukhokha;· lapho abakwa-CAPFIN bephoqelekile ngokomthetho ukwenza lokho;· lapho kuzosiza khona umphakathi ukudalula i-PI yami;· lapho isidalulo senziwe ngokucela kwami noma ngemvume yami ebhalwe phansi.
