To view all our current and past competitions, head over to our blog.

External Privacy Policy Statement

This Statement sets out how your personal information will be used by Pepkor and applies to any information, including personal and special personal information, you give to Pepkor or which Pepkor may collect from third parties. It is important that you read this Statement carefully before submitting any personal information to Pepkor.

To view and download this Privacy Policy, please click here.

Policy updated 28/04/2021

We might use cookies and other techniques such as web beacons when you visit our website.  “Cookies” are small text files used by us to recognise repeat users, facilitate your ongoing access to and use of our website and allow us to track your usage behaviour, and compile aggregate data that will allow us to improve the functionality of our website and content.  “Web beacons” are small, clear picture files used to follow your movements on our website.  For example, storing your preferred settings for the next time you visit.

To view and download this Cookie Policy, please click here.

Policy updated 30/04/2021

Promotion of Access to Information Act (PAIA Manual)

The Promotion of Access to Information Act 2000 (PAIA) was set up by the Human Rights Commission to help increase public access to information about South African companies and other institutions. With this Act, they hope to make sure that:

• Companies share information openly
• A culture of social justice is created and promoted
• Human rights are respected by corporations and government

YOU HAVE THE RIGHT TO HAVE ACCESS TO INFORMATION.

To view and download our PAIA Manual, please click here.

Policy updated 30/04/2021

Capitec Agreement for Sending Cash – Terms and Conditions
1. PARTIES
This agreement regulates the relationship between us, being Capitec Bank Ltd (“Capitec”), and you, the
Senders and Recipients of Cash through the Capitec Service for sending cash provided to you on our behalf
by our agent Participating retailer’s and its affiliates. This agreement must be read with your Savings
Account, Debit Mastercard, Remote Baking and Mobile Banking Terms and Conditions.
THE TERMS AND CONDITIONS HEREUNDER CONTAINS SECTIONS IN BOLD (CLAUSES 4.1, 4.4, 5, 6.4, 7.2,
9.3, 9.4, 10.3 and 11):
– WHICH LIMITS THE RISKS AND LIABILITY OF US TO YOU AND OTHER PARTIES;
– WHERE YOU ACCEPT CERTAIN RISKS AND LIABILITIES;
– WHICH IMPOSE AN OBLIGATION ON YOU TO INDEMNIFY US IN CERTAIN CIRCUMSTANCES; AND
– WHERE YOU ACKNOWLEDGE THAT YOU ARE AWARE OF CERTAIN FACTS RELATING TO THE
CAPITEC SERVICE FOR SENDING CASH.
2. DEFINITIONS
Unless the context clearly requires a contrary interpretation, the following terms as used in this agreement,
shall have the following meanings:
2.2 “Cash” refers to the amount of money the Sender instructs us to send and provide in cash to a Recipient
2.3 ”Participating retailer’s kiosks and or till lanes” means participating retailers where the cash-out service is
available. Please refer to Capitec Bank website for a list of participating retailers.
2.3.1 “Capitec card less ATMs” refers to Capitec ATMs where card-less services are available.
2.4 “Reference Number” refers to the reference number that we will allocate to the Sender to identify his/her
instruction for sending cash.
2.5 “Service” means the Remote Banking App service regarding the payment of Cash that we provide to
Senders and Recipients in terms of these terms and conditions.
2.6 “Our”/”Us”/”We” refers to Capitec, our agents and representatives including ”Participating retailer’s” Please
refer to Capitec Bank website for a list of participating retailers
2.7 “Personal Information” means as defined in the Protection of Personal Information Act, 4 of 2013 (POPI),
as amended.
2.8 “Remote PIN” means a secret number chosen by you, used to verify your identity when accessing and
transaction on Remote Banking.
2.9 “Process” or “Processing” means as defined in POPI, as amended.
2.10 “Recipient” refers to the person who collects the Cash from us.
2.11 “Receipt Voucher” refers to the Till Slip that the authorised agent gives the Recipient to confirm his/her
receipt of the Cash.
2.12 “Secret Code” means the 4 (four) digit secret identification number that the Sender chooses to give him/her
or his/her intended Recipient access to the Cash which is associated with a particular instruction.
2.13 “Sender” refers to the person (also a banking client with us) who instructs us to transfer Cash.
2.14 “Send Voucher” refers to the SMS that we provide to the Sender to confirm his/her instructions.
2.15 “Service Desk” means our 24-hour Client Care Centre with telephone number 0860 10 20 43 as may be
amended and published on our website by us from time to time, at which Senders and Recipients may
contact us for assistance with the Service. Alternatively, Senders and Recipients can visit any Capitec
branch for assistance during our office hours.
2.16 “SMS” means a short message service consisting of text messages.
2.17 “Till Slip” means the proof of receipt of the Cash by Capitec to the Recipient confirming that the Recipient
has received the Cash sent in terms of the Service.
2.18 “Remote Banking (App)” means the software application made available by the Bank and installed on your
cellphone, which is used for:
2.18.1 Security authentication of certain Remote Banking transactions; and/or
2.18.2 Banking functionality, in this case, relating to the Service.
3. STATUS AND CHANGES
3.1 These terms and conditions will be incorporated into and regulate a Sender’s use of the Service and will
become binding upon a Sender in respect of each such instruction from the moment of a Sender instructing
us to transfer Cash at and to any participating retailer kiosk and or till lane. To the extent that these terms
and conditions relate to Recipients, these terms will also become binding on a Recipient as from the moment
of such Recipient receiving the Cash from us.
3.2 We may change these terms and conditions at any time without notification. Changes to these terms and
conditions will be effective as against Senders in respect of all use of the Service initiated after such changes
have been incorporated into these terms, and as against Recipients in respect of all Cash paid out by us
after such changes have been incorporated into these terms.
3.3 When the Sender has selected his/her Secret Code and entered his/her PIN to authorise the sending of
cash, it will constitute conclusive proof of his/her instructions to us and his/her intention to be bound to these
terms and conditions.
3.4 When a Recipient enters and or provides the Secret Code at a participating retailers store or at a Capitec
card less ATM, and or signs the Till Slip, it will constitute conclusive proof of his/her intention to be bound
to these terms and conditions insofar as they may relate to Recipients.
3.5 When a Sender uses this service, there is no agreement between us and the Recipient that you nominate
to access the Cash. We will not become involved in any dispute between you and any Recipient.
4. SENDING CASH
4.1 You, the Sender, appoint us to pay the CASH to any person (including you, the Sender) who presents to us
the Reference Number, the Secret Code and an appropriate Identification Document. When a person
presents the Reference Number and the Secret Code, we will assume that it is someone you, the
Sender, have authorised to receive the Cash and, subject to these terms and conditions, we will pay
the Cash to such person, unless the Cash has been paid out already.
4.2 In order for us to process an instruction in terms hereof and to pay out the Cash we will require certain
information from each Sender and each Recipient. Each Sender and each Recipient confirms and warrants
that the information s/he provides to us in this regard is true and correct in all respects.
4.3 Recipients may not insist on part payment of the Cash at any time and we will not be obliged to pay out the
Cash to any Recipient who fails and or refuses to provide us with the Secret Code, the Reference Number
and an appropriate Identification Document, and or who refuses to sign the Receipt Voucher or to be bound
by these terms and conditions. Each Recipient, by presenting a Secret Code and Reference Number,
warrants that s/he is entitled to use the Secret Code and to receive the Cash involved.
4.4 It is the Sender’s responsibility to inform his/her intended Recipient of the correct Secret Code and
Reference Number, and the Sender is responsible for doing so in a safe and secure manner. Each
Sender must understand that, if s/he relies on a third person to communicate the Secret Code and
the Reference Number, such third person may withdraw the Cash himself/herself.
4.5 If a Sender decides that s/he wants to prevent the payout of the Cash to anyone other than him/herself,
s/he may contact our Service Desk and request that such instruction be placed on hold. We will require the
correct identity number and Reference Number from the caller (being the Sender) prior to complying with
such request. Following receipt of such request, we will endeavour to prevent the Cash from being paid out
to anyone other than the Sender, unless required to do so by law.
4.6 Each Sender also acknowledges that we may be obliged to pay out the Cash to a person other than the
Sender or his/her intended Recipient in the event of being required to do so by law.
4.7 Finally, each Sender acknowledges that we may in our discretion suspend the payment of the Cash involved
in any particular transfer at any time, in particular if we become aware of any suspicious circumstances
surrounding a transfer. If a Sender or intended Recipient becomes aware of such suspension, s/he may
contact us at our Service Desk for clarification.
4.8 If a Sender loses or forgets his/her Secret Code s/he may request a new Secret Code by resetting the
Secret Code on the Service.
5. SECRET CODE AND REFERENCE NUMBERS
5.1 When a Sender instructs us to transfer Cash, s/he will be asked to select his/her own Secret Code.
We will assign a Reference Number to each such instruction.
5.2 It is the Sender’s responsibility to keep his/her Secret Code secret.
5.3 No Sender should ever disclose his/her Secret Code to any other person than the intended Recipient
of the Cash, especially not to members of our staff.
6. TRANSFER LIMITS, FEES AND INTEREST
6.1 Certain daily and monthly limits will apply to the use of the Service, as indicated on our website or in branch
from time to time.
6.2 A Sender will be obliged to pay the applicable fees associated with an instruction to send Cash through our
Service upon initiating such instruction.
6.3 The applicable limits and or fees will be as communicated to the Sender on our website:
www.capitecbank.co.za. The Sender agrees that we may, from time to time, amend these transfer limits
and or fees and/or introduce new limits and or new fees for Remote Banking limits and or fees. We will
communicate such changes to you via our pricing brochure available at any Capitec branch and or on our
website. If you do not accept the new and/or amended limits and or fees, you may cancel this Agreement.
All such fees are non-refundable.
6.4 Senders and Recipients must understand that the Service is not a bank account and that neither
Senders nor Recipients are entitled to receive any interest on the Cash for the period that the
payment of the Cash to a Recipient remains pending, irrespective of the duration thereof.
7. STATEMENTS AND IRREGULARITIES
7.1 Each Sender agrees that we will not be obliged to provide him/her with a regular or periodic statement of
account in respect of the Service rendered to him/her or the Cash paid to us. Senders may enquire about
the status of Cash by contacting our Service Desk.
7.2 Senders are responsible for reporting any irregularities regarding his/her use of the Service,
including the loss of a Secret Code or the unauthorised disclosure or use of a Secret Code and
Reference Number, to our Service Desk. In such event, a Sender may request us to place the
payment of any Cash involved on hold in terms of Clause 4.5 of these terms and conditions.
8. NOTICES
We will send all notices required by law and by this agreement to the address a Sender provided to us in
terms of the Sender’s Remote Banking Agreement with us, and the Sender agrees to receive such notices
at such address. The Sender agrees to inform us of changes to the information in his/her personal profile
in terms of the provisions of the Sender’s Mobile Banking Agreement.
9. PERSONAL INFORMATION
9.1 Each Sender and Recipient acknowledges that in order to be able to deliver the Service and to ensure the
continuation of the services we may need to collect, process, share and store (“processing”) his/her
Personal Information and the information about the instructions provided.
9.2 Each Sender further agrees and authorises that processing may include, inter alia, sharing his/her Personal
Information and the information with authorities and with third parties who assist us to render the Service
as well as with other financial institutions in the event of a transfer of the Service and each Sender and
Recipient therefore agrees to us disclosing such information to such persons and entities.
9.3 Each Sender hereby also authorises us and our agents, being participating retailers as referred to
on our website their affiliates to utilise his/her Personal Information for any commercial or marketing
purposes and agrees to receive such commercial communications as we or they may deem relevant
from time to time during the term of this agreement and thereafter.
9.4 Each Sender hereby waives any claim against us in respect of such disclosures and use, and indemnifies
us against any loss or liability as a result of the execution of the authorisation that is granted to us herein.
10. AVAILABILITY
10.1 Senders acknowledge that the Service may at times not be available for various reasons and that we have
the discretion to suspend the Service from time to time. We also reserve the right in our absolute discretion
and without notice to alter, modify, upgrade, update, withdraw or terminate the Service or any part thereof
at any time.
10.2 A Sender may ask for a refund of the Cash paid in by him/her in the event of such change, suspension or
withdrawal by contacting our Service Desk during Support Hours.
10.3 Senders agree that we will not be liable for any losses, expenses or damage incurred by him/her or
any third party for such unavailability of the Service and each Sender indemnifies us against any
claim for such losses, damages or expenses incurred by any third party as a result of such
unavailability.
11. LIABILITY
11.1 Neither us, nor our subcontractors or agents (including our participating retailers and its affiliates),
nor the representatives, employees or directors of any of them shall be responsible or liable for any
direct, general, intrinsic, indirect, special, extrinsic, punitive or consequential injury, loss, expense
or damage of any kind whatsoever (including arising from contract, statute, delict (including from
negligence or gross negligence) or otherwise) suffered or incurred by any Sender and or Recipient
as a result of using the Service for any reason whatsoever.
11.2 Each Sender and Recipient hereby indemnifies us against any demand, claim or action for direct,
intrinsic, general, indirect, extrinsic, special, punitive or consequential damages or order made
against us by a third party relating to or in connection with his/her use or accessing of the Service
whether such demand, claim or action was caused directly or indirectly by us for any reason whatsoever.
12. GENERAL
12.1 Each Sender and Recipient hereby grants us permission to subcontract, cede, delegate, assign or otherwise
transfer any of our rights and/or obligations in terms of this agreement to any third party. Each Sender and
Recipient further agrees that we do not have to inform him/her of any such cession, assignment or transfer.
12.2 A certificate signed by any of our directors will be conclusive proof of the date of publication and content of
the current version of these terms and conditions and all previous versions of the terms and conditions and
the pricelist containing the fees as published on our website: www.capitecbank.co.za pertaining to the
Service.
12.3 The laws of the Republic of South Africa apply to these terms and conditions as well as the relation between
each Sender and Recipient and us as far as it concerns the use of the Service or any matter that may arise
therefrom.
12.4 To the extent that it relates to Sender(s), the Sender(s) Remote Banking Agreement, these terms and
conditions and the content of the relevant Send Voucher contain the full terms and conditions of the
agreement between us and the Sender in respect of the relevant instruction to which such Send Voucher
relates.
12.5 No relaxation or indulgence granted by us to any Sender or Recipient shall in any respect prejudice our
rights in terms of this agreement
12.6 If any term of this agreement is invalid this does not mean that the whole agreement is invalid. Only that
term is invalid and the rest of the agreement remains valid.
12.7 We may cancel this Agreement and the Service, by notification to you.

• This page contains the terms and conditions (“T’s & C’s”) on which you purchase, and we sell the items offered for sale on this website.
• To enter into this agreement with us, you must have contractual capacity.
• You must also be legally entitled to use the credit card, debit card or another payment method to make the purchase. We reserve the right to select which banking cards and payment methods are acceptable to us and to amend this selection at any time.
• You are advised to read the provisions in these Terms and Conditions cautiously, taking care to understand each of the provisions that apply to the sale of the item or items you wish to purchase on this website. Should you decide to place an order, you will be deemed to have read and understood the entire contents and will be bound by all these Terms and Conditions.
• You may wish to retain a printed copy of these Terms and Conditions for reference purposes with regards to your purchase. However, please be advised that we reserve the right to amend the Terms and Conditions at any time, and you should therefore always read this page before making future purchases.
• Nothing in these Terms and Conditions is intended to deprive you of your rights or to avoid our obligations in terms of consumer protection legislation. If any provision appears to do so it shall be interpreted as being subject to such legislation.

1. PREFACE
   1. By using this website to purchase goods, you are contracting with Ackermans, a division of Pepkor Trading (Pty) Ltd (“Ackermans”).
   2. Ackermans (https://www.ackermans.co.za/) is the trading website for the business.
   3. The website offers various apparel and cellular items for sale to customers via a web-based purchase and sale transaction.
   4. Every transaction on the website is subject to these Terms and Conditions, with no exceptions whatsoever.
   5. Accordingly, by using the website, and/or registering an online profile with Ackermans, and/or placing an order and/or conducting a transaction on the website you are confirming in each instance your legal acceptance of, and agreement to be bound by these Terms and Conditions, as may be amended from time to time.
   6. These Terms and Conditions provide the framework for Ackermans and you to enter into transactions from time to time, with the details of each specific transaction being contained in the documentation relevant to that particular transaction, but in all instances subject to the provisions of these Terms and Conditions.

2. WHOLE AGREEMENT
   1. These Terms and Conditions apply to each, and every transaction made or to be made on this website.
   2. Your submission of an order on this website indicates your unreserved acceptance of these Terms and Conditions, applicable from the time of your order until and after your receipt of the ordered item or items.
   3. We retain the right to modify these Terms and Conditions from time to time and will publish the revised Terms and Conditions on the website.
   4. Modifications to these Terms and Conditions will not operate retrospectively, and applicable Terms and Conditions will accordingly be those that are published at the time of your use of the website and/or a transaction in terms hereof.
   5. Each instance of your use of the website will be your expressed recognition and acceptance of the Terms and Conditions published on the website.
   6. We reserve the right to discontinue making the website or any part thereof available with or without notice to you.
   7. You may not amend, delete, or add to these Terms and Conditions in any manner whatsoever. If you attempt to do so, any such purported amendment, deletion or addition will be of no force or effect.
   8. Notwithstanding the above, your statutory and/or consumer rights are not affected by these Terms and Conditions. 

3. ONLINE PROFILE
   1. When placing an online order, a user profile will be created which will serve as consent to and acceptance of these Terms & Conditions and our Privacy Policy.
   2. You can also register an online profile on this website and will need to provide the personal information that is required for the registration process e.g., name, surname, mobile number, and physical address (where home delivery can be done, and you select home delivery).
   3. By submitting the required information, you are warranting that all information is true and correct and agree that you will be held fully responsible and/or liable for the consequences of submitting false or incorrect information.
   4. It is your sole responsibility to update your account details should they change at any time after registration.
   5. You are responsible for the activity that takes place on your account, and you confirm your awareness of the need to keep your account username and password secure.
   6. You shall inform us immediately if you become aware of or suspect that your account credentials have been compromised or if your account has been used without your permission.

4. THE ITEMS
   1. We will sell a range of apparel and cellular items on the website.
   2. We have used our best endeavours to reflect the items offered for sale accurately but are not responsible for slight variations that may appear because of a range of factors, such as but not limited to your physical environment and electronic equipment used to view the items.
   3. You select an item or items of your own choice and are solely responsible to determine whether the item(s) is appropriate for your needs.
   4. The items offered for sale by us are standard stock, without any option of customisation. We, therefore, do not guarantee that any item(s) will meet personal and distinct requirements of specific nature.

5. THE TRANSACTION
   1. A “transaction” consists of:
      1. the selection of an item(s);
      2. the placing of an order;
      3. payment by you for the item(s) in the order; and
      4. acceptance of your order.
   2. Selecting an Item
      1. You need to adhere to the directives on the website with regards to placing an order, submitting an order, and making payment.
      2. The price of any Item offered for sale on the website will be the price that is reflected in respect of that item on the date on which you place your order.
      3. All prices are quoted in ZAR (South African Rand)
      4. Where applicable all prices are subject to the ruling South African Value Added Tax (VAT) rate and is already included in the price displayed on the website.
      5. The validity of the price as referred to above will not be affected by a price you may have seen in respect of the selected item either before or after the day on which you place your order.
      6. Once you have selected the item/s and placed an order (“the Order”), you will be advised of the total amount to be paid, inclusive of:
         1. the price of the item/s;
         2. any applicable taxes;
         3. any applicable charges for delivery; and
         4. any other charges that may apply to the transaction.
   3. Placing the order
      1. 1. In each instance that you submit an Order on this website, you agree that you do so subject to these Terms and Conditions, as published at the date you submit the Order. You are responsible for reviewing the latest Terms and Conditions each time you submit an Order.
         2. After you have submitted the Order, you will receive confirmation by WhatsApp, E-mail and/or SMS from us that the Order has been received, which does not amount to our acceptance of the Order and is simply an acknowledgment that it has been received.
         3. Once we have confirmed acceptance of the Order, a binding purchase transaction is created, and the Order cannot be cancelled once we have accepted it.
   4. Payment
      1. 1. At the time of placing the Order, you will make payment in full for the item(s) you have ordered.
         2. Payment must be made using a debit or credit card issued to you by a financial institution that is considered acceptable to us, via the payment method available on the website.
         3. Payment can also be made using an Ackermans store card, or one of the following store cards: Refinery, Tekkie Town, ShoeCity, Dunns, PEP.
         4. Should you make use of a debit or credit card, the account or facility accessed via the use of the card must have sufficient funds or credit available for the full cost of the intended purchase of the item(s).
         5. If payment is made using an Ackermans store card, please refer to the standard Terms & Conditions here for more information.
         6. If payment is made using a Refinery store card, please refer to their website for their Terms & Conditions.
         7. We will not process the Order until such time as payment has been made by you and we have confirmation of funds having been received.
         8. We reserve the right to limit the payment methods available to you and/or to direct you to make payment in the manner required by us.
         9. We will not be obligated to supply or deliver any item(s) to you until such time as we have accepted the Order and received the cleared funds after payment.
         10. No store issued voucher or gift-card can be used to make an online purchase.
   5. Acceptance of the order
      1. 1. If we accept the Order we will send you, via email and/or SMS, a valid tax invoice for the amount paid.
         2. Acceptance by us will be effective once we have transmitted the email and/or SMS referred to above and this will constitute valid acceptance irrespective of whether you, in fact, received the email and/or SMS.
         3. We are under no obligation whatsoever to accept the Order, and unless effective acceptance has taken place, we are entitled to reject the Order in our sole discretion and without providing you with a reason for our decision.
         4. Should we exercise our right to reject the Order, you will be informed of such fact and the payment will be refunded to you.
         5. Once payment has been made you cannot cancel the Order. However, if you wish to be refunded for the purchase you can do so at the Store which you selected for collection.
         6. Only the official tax invoice referred to in 5.5.1 will constitute acceptance in accordance with these terms. Any other communication sent to you from us will not be construed as acceptance, irrespective of whether such communication is about or in any way related to the Order.

6. WARRANTIES
   1. You warrant, if you make use of a debit, credit, or any Pepkor store card to effect payment to us, that the card is your own card and that you are legally entitled to transact with the relevant card.
   2. You warrant that all details submitted to us in connection with the transaction are correct and accurate.
   3. You warrant that you will notify us of any changes in your account details on an ongoing basis, to ensure that our record of your information remains up to date.

7. BINDING AGREEMENT
   1. A binding agreement between us is created at the time that acceptance of the Order takes place.
   2. This binding agreement is in respect of the item(s) duly listed in the tax invoice, which may not be all the items that you had included in the Order.

8. DELIVERY OF ITEM(S)
   1. Your purchases can be delivered to your home (dependant on our courier services) or any of our Ackermans stores nationwide (within the borders of South Africa) as selected when placing the Order. This excludes Ackermans Connect stores.
   2. For Home deliveries two delivery attempts will be made before the package will be re-routed to the nearest Ackermans store from your home address for collection.
   3. There are no home deliveries over weekends.
   4. Please note that for collection from a store, the list of stores available for delivery on the website can change with no prior notification or reason provided. This will not affect any orders that have been accepted before the change is made.
   5. Delivery charges

      1. Click & Collect

         1. Free delivery for orders over R350.
         2. A non-refundable R35 delivery fee applies to orders under R350.
         3. If an order qualifying for free delivery is later refunded, an amount of R35 will be deducted from the refund.

         Click & Collect Express

         1. Free delivery for orders over R600.
         2. A non-refundable R60 delivery fee applies to orders under R600.
         3. If an order qualifying for free delivery is later refunded, an amount of R60 will be deducted from the refund.

         Home Deliveries

         1. Free delivery for orders over R600.
         2. A non-refundable R60 delivery fee applies to orders under R600.
         3. If an order qualifying for free delivery is later refunded, an amount of R60 will be deducted from the refund.

         Note:
         If an order expires, the delivery fee will not be refunded.

   6. Delivery periods
      1. Notwithstanding the delivery periods indicated on the website, and due to factors out of our control, we do not guarantee an exact delivery date.
      2. Click & Collect delivery: 7-9 business days from selected store from date of order acceptance; and
      3. Home delivery: Within 3-5 business days from date of order acceptance.
      4. Click & Collect Express: Within 3-5 business days from date of order acceptance.
      5. Please note that during certain periods of high order volume, i.e. festive, our delivery periods might be slightly longer than usual.
   7. You will not have any claim of any nature whatsoever against us because of or related to delivery within a time that differs to that published on the website.
   8. Once the order has been received by us you will be notified by email and/or SMS at every touchpoint including order notification, payment, and delivery. We will also send you a tracking link once the order is out for delivery.
   9. For store and unsuccessful home deliveries where the order was routed to the nearest Ackermans store to your home delivery address, you will have 20 business days to collect the order after which the order will be cancelled and refunded.
   10. We do not accept liability for any loss if you have shared the order information with any other party or nominated another person to collect or receive the Order on your behalf.

9. RECEIPT OF ITEM(/S)
   9. On receipt of the order from the store or via the courier we advise that you inspect the contents of the parcel to ensure:
      1. The parcel is intact, undamaged, and unopened.
      2. The correct items are included; and
      3. The items are free from apparent defects and undamaged.
   10. If there are any issues with the Order collected at an Ackermans store, the staff in store will be able to assist and resolve it.
   11. If you discover issues with the Order and/or items of the Order outside of the store or for home deliveries, please notify Customer Care (0860 900 100) immediately.
   12. You are advised to exercise due care when opening the parcel and cautioned against the use of sharp objects when doing so.

10. RISK & OWNERSHIP IN THE ITEM/S
    1. Risk and ownership in and to the item(s) passes to you once the parcel is delivered and accepted at your home for home deliveries or collected at the store.

11. TERMINATING A TRANSACTION
    1. We may terminate the transaction if all the items you have ordered (or in the case of ordering a single item, the item you have ordered) are/is unavailable, and in such instance:
       1. We will inform you of the unavailability as soon as reasonably possible.
       2. We will refund the payment that has been made in respect of the unavailable item(s).
    2. If several items have been ordered in a single transaction, and not all items are available, we will refund you in respect of the unavailable item(s) and proceed with the transaction in respect of the items that are available.
    3. In the unforeseen circumstances where a parcel is lost:
       1. We will inform you of this fact as soon as reasonably possible.
       2. We will refund the payment that has been made in respect of the lost item(s).
    4. In the case where the missing parcel is part of a larger order the remaining items will still be delivered to your home or selected store for collection and in no way results in the termination of the transaction.
    5. Refunds will be processed immediately but can take up to 14 days to reflect in your bank account.
    6. You will not, for any reason, be able to terminate the transaction once payment has been made and the order accepted by us. You will have to take delivery of the parcel for home deliveries and then return the parcel for a refund or collect the parcel at the selected Ackermans store and request a refund at the time of collection.
    7. Please note that the delivery fee is non-refundable.

12. ONLINE PURCHASE RETURN / REFUND POLICY
    1. All online purchases can be refunded or exchanged with the following conditions:
       1. Refunds and exchanges can be done at any of our Ackermans stores nationwide (within the borders of South Africa). This excludes any of the Ackermans Women or Ackermans Connect stores.
       2. All refunds or exchanges must be done within 30 days from date of purchase. For online purchases this is from the date of collection.
       3. All refunds and exchanges must be accompanied by a printout of the electronic invoice. If a printout of the invoice is not available then the physical delivery note that accompanied the parcel, together with the electronic invoice must be presented.
          1. If only the physical delivery note is presented, then the refund will be at the current system price.
          2. If neither the physical delivery note or electronic invoice is provided, then the refund will only be given in the form of a gift card / voucher at the current system price.
       4. Items must be in their original packaging if applicable.
       5. Items must be unworn with the original tags intact.
       6. For hygiene reasons underwear (excluding bras) may not be refunded or exchanged.
    2. Opening of the Order parcel:
       1. If you discover upon opening of the parcel that there is an item or items missing or damaged:
          1. In store: Please notify a staff member who will either:
             1. provide the missing item, or replace the damaged item, if possible
             2. if not possible give a refund for the missing or damaged item as per 12.1 above
          2. Home deliveries or parcel opened at a location other than a store:
             1. If an item is missing, please call Customer Care on 0860 900 100.
             2. If an item is damaged, please return the item to your nearest store and they will replace the item or refund the purchase as per point 12.1 above.
             3. Please note that the delivery fee is non-refundable.

13. CLICK & COLLECT: RETURNS / EXCHANGE
    1. All online purchases can be refunded or exchanged with the following conditions:
       1. Refunds and exchanges can be done at any of our Ackermans stores nationwide (within the borders of South Africa). This excludes any of the Ackermans Women or Ackermans Connect stores.
       2. All refunds or exchanges must be done within 30 days from date of purchase. For online purchases this is from the date of collection.
       3. All refunds and exchanges must be accompanied by a printout of the electronic invoice. If a printout of the invoice is not available then the physical delivery note that accompanied the parcel, together with the electronic invoice must be presented.
          1. If only the physical delivery note is presented, then the refund will be at the current system price.
          2. If neither the physical delivery note or electronic invoice is provided, then the refund will only be given in the form of a gift card / voucher at the current system price.
       4. Items must be in their original packaging if applicable.
       5. Items must be unworn with the original tags intact.
       6. For hygiene reasons underwear (excluding bras) may not be refunded or exchanged.
       7. If you discover upon opening of the parcel that there is an item or items missing or damaged:
          1. In store: Please notify a staff member who will either:
             1. provide the missing item, or replace the damaged item, if possible
             2. if not possible give a refund for the missing or damaged item as per 13.1 above
          2. Home deliveries or parcel opened at a location other than a store:
             1. If an item is missing, please call Customer Care on 0860 900 100.
             2. If an item is damaged, please return the item to your nearest store and they will replace the item or refund the purchase as per point 13.1 above.

To view our online cellular terms & conditions, click here.

WEBSITE PRIVACY POLICY

This website privacy policy describes how we process information we collect and/or receive from you.

1. INFORMATION WE COLLECT AND RECEIVE

We collect and receive information about you in the following ways:

1.1 Information you give us

This includes any information that you provide to us directly:

• when you sign-up to utilise our services;
• by filling in forms on our websites, or those provided to you;
• when you enter a competition, promotion, donations or complete a survey;
• by posting comments or content on our social media pages; or
• when you contact us or we contact you and you provide information directly to us.

1.2 What personal information we collect

1.2.1 When you register to use our services, you could be required to provide us with the following information, your –

• name and surname;
• contact number and email address;
• physical address;
• identity or passport number; and
• date of birth.

1.3 Information we collect or receive when you use our website or social media platforms

We collect information when you use websites or social media platforms by using cookies, web beacons and other technologies. Depending on how you access and use websites, we may receive:

• Log information;
• Information we infer about you based on your interaction with products and services;
• Device information (for example the type of device you’re using, how you access platforms, your browser or operating system and your Internet Protocol (“IP”) address);
• Location information.

1.4 Information from third-party sources

We may receive additional information about you that is publicly or commercially available and combine that with the information we have collected or received about you in other ways.

2. HOW WE USE THE INFORMATION WE COLLECT AND RECEIVE

We use the information we collect and receive for the following general purposes:

• to provide you with information, products or services you request from us;
• in order to refer you to an appropriate third-party service provider;
• to communicate with you;
• to provide you with support; and
• to provide effective advertising (for example to provide you with news, special offers and general information about other goods, services and events which we offer, that are similar to those that you have already hired or enquired about).

3. HOW WE SHARE THE INFORMATION WE COLLECT AND RECEIVE
   • We don’t sell your personal information to third parties for their marketing purposes.
   • We may share information with:
     • our affiliates, in other words, other companies in our group;
     • we may disclose your personal information to a limited number of our employees and third party service providers (other than those who we refer you to), who we assist you to interact with;
     • our business partners. We may share non-personally identifiable information with select business partners;
     • other parties in response to legal process or when necessary to conduct or protect our legal rights;
     • companies that provide services to us. Companies that provide services to us or act on our behalf may have access to information about you.  These companies are limited in their ability to use information they receive in the course of providing services to us or you; and
     • third-parties where you provide consent. In some cases, third-parties (often advertisers) may wish to attain information about you in order to promote their products to you, or for whatever other reason.  We may share information with third-parties where you provide consent in the form of an explicit opt-in.  Before we ask you to opt-in, we will endeavour to provide you with a clear description of what data would be shared with the third-party.  Remember that once you have opted in to allow us to send your information to the third-party, we cannot control what they do with your data; therefore, be sure to investigate their privacy policies before providing permission for us to share your information.

4. YOUR RIGHTS
   • You have the right to ask us not to contact you for marketing purposes. You can exercise this right at any time by using any of the various “opt-out” options that we will always provide to you when we communicate with you.  We won’t send you marketing messages if you tell us not to but we will still need to send you service-related messages.
   • Our websites use cookies. If you wish to reject our cookies, you can configure your browser to do so.
   • We want to make sure that any data we hold about you is up to date. So, if you think your personal information is inaccurate, you can ask us to correct or remove it.

5. RETENTION OF DATA

We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy or to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

6. OUR COMMITMENT TO SECURITY

The security of your data is important to us. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. However, we do employ a number of safeguards intended to mitigate the risk of unauthorized access or disclosure of your information. We will do our best to protect your personal information and we will use up to date technology that will help us to do this. We will at all times comply with our obligation under applicable law.

7. TRANSFER OF DATA
   • We are based in and operate from South Africa. Your information, including personal information, may be transferred to and maintained on servers located outside of your country of residence, where the data privacy laws, regulations and standards, may not be equivalent to the laws in your country of residence.
   • We might transfer your personal information to places outside of South Africa and store it there, where our suppliers might process it. If that happens, your personal information will only be transferred to and stored in a country that has equivalent, or better, data protection legislation than South Africa or with a service provider which is subject to an agreement requiring it to comply with data protection requirements equivalent or better than those applicable in South Africa.
   • Your use of our website, followed by your submission of information to us, represents your consent to such transfer.
   • We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

8. LINKS TO OTHER WEBSITES

Our website or social media platforms may contain links to and from websites, mobile applications or services of third parties, advertisers or affiliates.  Please note that we are not responsible for the privacy practices of such other parties and advise you to read the privacy statements of each website you visit which collects personal information.

9. CHANGES TO THIS PRIVACY POLICY

We may update this privacy policy from time to time.  Any changes that we may make to our privacy policy will be posted on our website and will be effective from the date of posting.

10. ACCESS TO YOUR PERSONAL INFORMATION
    • You may at any time request:
      • confirmation that we hold your personal information;
      • access to your personal information;
      • the identities or categories of third parties to whom we have disclosed your personal information; or
      • that we correct or delete any personal information that is incomplete, misleading, inaccurate, excessive or out of date.
    • Requests may be made in writing to popia-io@pepkor.co.za.

1. By purchasing, utilising, or attempting to purchase or utilise an OTT Voucher (hereinafter referred to as “Voucher”), the user (hereinafter referred to as “You” and/or “Your”) agrees to these Terms and Conditions, as well as any other Terms and Conditions, Policies and Standards applicable to customers and users of Ackermans and OTT Mobile Technologies [OTT] (hereinafter referred to as “Ackermans and OTT”, “Us” and/or “Our”). 
2. These Terms and Conditions constitute an agreement between the user and Ackermans and OTT and govern your and our rights and obligations once you register to utilise OTT Vouchers and/or each time you access or use our vouchers. 
3. By using our vouchers, you acknowledge that you have read, understood and agreed to these Terms and Conditions.  
4. By using our vouchers, you consent to us sharing certain personal information with our affiliates and necessary third parties in the ordinary course of our business and in line with the provisions of our Privacy Policy.  
5. Vouchers are issued strictly at our discretion. 
6. Vouchers will not be replaced if lost, stolen, or misplaced in any other way.  
7. Vouchers can only be redeemed within the borders of South Africa. 
8. Vouchers can only be purchased from an approved Ackermans store. Ackermans and OTT may not be held liable for any vouchers purchased from fraudulent or misleading sites.  
9. Vouchers may not be used in conjunction with any other reward, voucher, or discount. 
10. Once a voucher has been purchased, additional benefits or values cannot be added to existing vouchers. 
11. A Voucher is deemed as used once purchased and cannot be refunded.  
12. You may not sell, issue, exchange, barter or redeem a voucher for cash, and you may not exchange or sell any other goods or services for vouchers. 
13. All vouchers are valid for a maximum period of three (3) years unless otherwise stated. 
14. Any balance that remains on a voucher after the voucher's validity period has ended will no longer be available for use, as the validity of the vouchers cannot be extended. 
15. Any fraudulent or abusive behaviour in order to benefit unduly from a voucher is an abuse of the benefit, and Ackermans and OTT reserves the right to deactivate, cancel and/or not honour your voucher.  
16. Should a voucher be mutilated, tampered or damaged in any way, it will become invalid and will not be accepted. No refunds will be given in this instance.  
17. Ackermans and OTT reserves the right to cancel or amend these terms and conditions whenever it deems it appropriate to do so and whenever it is necessary to do so in terms of applicable laws.  
18. By continuing to purchase vouchers following any updates or amendments to these Terms and Conditions, you will be deemed to have agreed to such updates or amendments. 
19. You are responsible for checking the terms and conditions applicable to vouchers regularly and ensuring you understand the voucher’s applications and limitations.