Isitatimende Esandulela Isivumelwano Sokuboleka Imali se-Sanlam Top Up Loans

Isitatimende Esandulela Isivumelwano Sokuboleka Imali se-Sanlam Top Up Loans

ngokwemigomo Yesigaba 92 soMthetho Kazwelonke Wezikweleti No. 34 ka 2005 (kufaka phakathi amalungelo, xxxxxxxx, imigomo xxxxx xxxxxxxxxxx)

1. Izincazelo xxxxx Xxxxxxxxxxx kwemigomo nemibandela

“UMthetho” kusho uMthetho Kazwelonke Wezikweleti No. 34 ka 2005 njengoba uchitshiyeliwe ngezikhathi ezithile.

“Isivumelwano” kusho isivumelwano sakho neNkampani Ehlinzeka Ngesikweleti. Isivumelwano sihlanganisa imigomo nemibandela ebhalwe kulesi Sitatimende Esandulela Isivumelwano xxxxx Xxxxxxxxxxxxx esenziwe ngohlelo lokuxhumana ngekhompyutha noma ngomlomo futhi kwaqoshwa xxxxx xxxxx, okwenziwe futhi kwaphothulwa ngabakwa-Direct Axis egameni leNkampani Ehlinzeka Ngesikweleti, xxxxx xxxxxxxxxxx kwakho lokhu okubili ngohlelo lokuxhumana ngekhompyutha, ngencwadi noma ngomlomo futhi kwaqoshwa nezwi lakho. Uma sivuma ukukuboleka esinye isamba semali ngaphezu kwemali oyikweletayo ngokuthi siguqule Isivumelwano, sizokunikeza esinye islinganiso ekhombisa lesi samba semali oyibolekayo eyengeziwe xxxxx xxxxxx xxxxxx xxxxxx uguquko okungenzeka lube khona ngenxa yalokhu emalini yezindleko zesikweleti xxxxx/noma umshwalense wokuvikela isikweleti (uma ukhona), izinga lenzalo, xxxxxxxxx esinqunyiwe sokukhokhwa kwesikweleti xxxxx xxxxxxx sesitalimende. Kuleso simo-ke, uma usamukela isilinganiso esengeziwe onikezwe yona, imigomo nemibandela ebhalwe kule ncwadi kuzobe sekuhlanganiswa xxxx Isivumelwano esichitshiyeliwe. Kumele uqinisekise ukuthi lesi Sitatimende Esandulela Isivumelwano usigcina endaweni ephephile ukuze ukwazi ukusisebenzisa esikhathini esizayo.

“Izinga Lenzalo Lonyaka” kusho izinga lonyaka elingaguquguquki okubalwe ngalo inzalo kwimali esele Esikweletini Esiyinhloko.

“Izinga Lenzalo Lenyanga” kusho izinga lenyanga elingaguquguquki okubalwe ngalo inzalo kwimali esele Esikweletini Esiyinhloko.

“Inkampani Ehlinzeka Ngesikweleti” kusho abakwa-Sanlam Personal Loans (Pty) Ltd. Inombolo Yokubhaliswa Kwenkampani 2001/016316/07 futhi okuyiNkampani Ehlinzeka Ngesikweleti Ebhalisiwe NCRCP 272. Ikheli 000 Xx Xxxx Xxxx, Xxxx Xxxxx, 0000.

“Abakwa-Direct Axis” kusho abakwa-Direct Axis SA (Pty)Ltd, Reg No 1995/006077/07, inkampani ehlinzeka ngosizo lwezimali egunyaziwe futhi esebenza ngaphansi kweNkampani Ehlinzeka Ngesikweleti ngenhloso yokulawula izicelo zeMali Ebolekisayo yakwa-Sanlam Top Up. Ikheli 000 Xx Xxxx Xxxx, Xxxx Xxxxx, 0000.

“Isamba semali ebolekiwe” kusho nanoma iyiphi imali oyinikeziwe ngokwalesi Sivumelwano. Lesi samba sibandakanya nesamba semali oyibolekwe ekuqaleni oyikweletayo kanye nanoma iyiphi enye imali engeziwe onikezwe yona ngenxa yokuchitshiyelwa kwalesi Sivumelwano.

“Isikweleti Esiyinhloko” kusho xxxxxx xxxxxx esizokhokhwa ngamancozuncozu futhi okuzobalelwa phezu kwaso inzalo. Lesi samba sihlanganisa imali oyibolekile, imali yokuvula isikweleti xxxxx nezinye izindleko kubandakanya inzalo yemali mboleko okumele ikhokhwe ngezikhathi ezinqunyiwe.

Uma kusetshenziswa igama elithi “Thina” noma “Okwethu” xxxxx Xxxxxxxxx Ehlinzeka Ngesikweleti. Uma kusetshenziswa igama elithi “Wena” kusho lowo obolekwe imali.

2. Izindleko Zesikweleti

Kumele kukhokhwe izindleko zesikweleti ezilandelayo:

• Inzalo, ebalwa nsuku zonke ngokubheka Izinga Lenzalo Lonyaka bese ikhokhwa nyanga zonke ngosuku oqoke ukuthi uzokhokha xxxxx XXXX ebalwa nsuku zonke ngokubheka Izinga Lenzalo Lenyanga bese ikhokhwa nyanga zonke ngosuku oqoke ukuthi uzokhokha ngalo. Inzalo uzokhokhiswa yona kusukela ngosuku owamukele ngalo Isivumelwano noma owamukele ngalo Isivumelwano esichitshiyeliwe.

• Imali yokuvula isikweleti, okuyimali ekhokhelwa izindleko zokuhlanganisa lesi Sivumelwano. Le mali uvumelekile ukuyikhokha ngokuphelele emva kokwenza isivumelwano sokubolekwa imali ukuze ungakhokhiswa inzalo ngayo. Uma ifakwa esikweletini esiyinhloko, kuzokwengezwa inzalo emalini yokuvula isikweleti. Uma uqoka ukukhokha le mali yokuvula isikweleti xxxx xxxx emva kokwenza isivumelwano sokubolekwa imali, kumele uyifake kwi-akhawunti yaseBhange labakwa-First National, bese ubhala inombolo eyi-referense oyinikeziwe.

• .

• Ngokuvunyelwa Isahluko 6, Ingxenye C yoMthetho, uma kwenzeka uhluleka ukukhokha imali edingekayo ngokwalesi Sivumelwano, uzokhokhiswa imali yezindleko zokuhluleka kwakho ukukhokha kanye nezokuqoqwa kwesikweleti ngenxa yokuhluleka ukulandela imigomo nemibandela yalesi Sivumelwano, futhi uzokhokhela nezindleko zomthetho, ezokuqoqwa kwesikweleti xxxxx xxxxxxxxxxxx xxxxxx xxxxx imali oyikhokhayo xxx xxxx daba ludluliselwa kwinkampani yangaphandle eqoqa izikweleti noma kummeli. Uzokhokhiswa lezo zindleko ngaleso sikhathi ezizokwenzeka ngaso.

3. Ukukhokhwa Kwemali Ebolekiwe Nokuthi Sizoyisebenzisa Kanjani Imali Oyibolekile

Izigamu zemali ozoyikhokakumele zikhokhwe emva kwezinsuku ezingu-14 kusukela ngosuku lweKhwotheshini, bese izigamu zemali ozoyikhoka ezilandelayo zikhokhwa njalo ngenyanga emva kwalokho. Mayelana nalokho, kuwumbandela walesi Sivumelwano ukuthi usinikeze imvume yokuthi sidonse izitalimende kwi-akhawunti yasebhange okufakwa kuyona umholo wakho. Ngaphandle kwenyanga kaDisemba, izigamu zemali ozoyikhoka zizodonswa ngosuku othola ngalo umholo, noma ngosuku lokusebenza lokugcina olwandulela lolu suku othola ngalo umholo xxx xxxx suku

lungempelasonto noma ngeholide, futhi uma lolo suku lungekho ngaphambi kosuku olunqunyiwe lokukhokhwa kwesigamu semali ozoyikhoka. Uma kwenzeka sithola ulwazi lokuthi usuku othola ngalo umholo wakho seluguqukile noma uma isiguqukile imininingwane ye-akhawunti yakho yasebhange, sizoyiguqula imininingwane yokudonswa kwezigamu zemali ozoyikhokakwi-akhawunti yasebhange ukuze ihambelane nemininingwane yakho eguqukile. Sinelungelo lokudonsa isigamu semali ozoyikhokae kwi-akhawunti yakho ngaphambi kwesikhathi esijwayelekile ngenyanga kaDisemba uma sikunikeze xxxxxxx xxxxxxx xxxxxxxxxxxxxx futhi uma lolo suku lungekho ngaphambi kosuku olunqunyiwe lokukhokhwa kwesigamu semali ozoyikhoka.

Uma uthanda ungazikhokha izigamu zemali ozoyikhoka ngaphambi kwesikhathi esinqunyiwe, futhi ngeke uhlawuliswe ngalokho. Imali oyikhokhayo izosetshenziswa ukunciphisa isikweleti sakho ngalolu hlobo: (i) kuzokhokhelwa inzalo okumele ikhokhwe ngesikhathi esinqunyiwe noma engakakhokhwa (ii) kuzokhokhelwa izindleko zesikweleti okumele zikhokhwe ngesikhathi esinqunyiwe noma ezingakakhokhwa futhi (iii) kuzokhokhelwa isikweleti esiyinhloko.

4. Ukhukhokhwa Kwesikweleti Ngokugcwele Ngaphambi Kokuphela KweSivumelwano

Isikweleti sakho ngokwalesi Sivumelwano ungasikhokha ngokugcwele ngokukhokha imali enqunyiwe, futhi uma uthanda ungasinikeza isaziso sokuthi ufuna ukukhokha isikweleti sakho ngokugcwele noma ungasinikezi isaziso.

Uma wenza lokho, imali enqunyiwe yokukhokhela isikweleti ngokugcwele xxxxxxxxx xxxxxxxxxxx, kuzoba imali esele esikweletini esiyinhloko xxxxx xxxxxxx xxxxxxxxxxxxx xxxxx xxxxxxx izimali xxxxx xxxxxxxxxx ekumele sikhokhelwe zona kuze xxxx usuku okhokha ngalo isikweleti ngokugcwele. Inani lemali okumele uyikhokhe ungalithola xxxx xxxx ngokuxhumana nabakwa-Direct Axis.

5. Ukwephulwa kweSivumelwano

Uma wenza okuthile noma uhluleka ukwenza okuthile noma uvumela okuthile okungaphazamisa amalungelo ethu ngaphansi kwalesi Sivumelwano nganoma iyiphi indlela noma wenza into ezokwenza silahlekelwe noma sivelelwe umonakalo othile, kubandakanya nesenzo sokukhokha isitalimende sekwedlule isikhathi esibekiwe noma isenzo sokungasikhokhi isitalimende, lokho kuyothathwa njengokwephulwa kweSivumelwano ngaleyo nkathi ekwenzeke ngayo isigameko noma isenzo esingavumelekile noma ngenkathi uhluleka ukwenza okuthile okumele ukwenze.

Uma kwenzeka ukhokha isitalimende sekudlule usuku olunqunyiwe, uzokhokhiswa inzalo engeziwe kuleyo mali esalele emuva ngezinga lenzalo elibhalwe kwiKhwotheshini futhi ehambelana neSivumelwano.

Uma kwenzeka uhluleka ukukhokha izitalimende ezidonswa kwi-akhawunti yasebhange ezintathu zilandelana, luzohoxiswa uhlelo lokudonswa kwemali edingekayo kwi-akhawunti yasebhange futhi uzophoqeleka ukuthi uyikhokhe ngokheshe imali okumele ikhokhwe.

Uma kwenzeka uhluleka ukukhokha imali enqunyiwe ngaphansi kwalesi Sivumelwano, kungenzeka (ngaphandle kokuthikamezeka kwamalungelo ethu) sikuthathele izinyathelo zomthetho ukuze uhloniphe iSivumelwano noma sisihoxise iSivumelwano, njengoba kubhaliwe Kwisahluko 6 Ingxenye C yoMthetho.

Uma uphule iSivumelwano, uzokhokhiswa izindleko zokulawulwa kokuphulwa kwesivumelwano kanye nezindleko zokuqoqa isikweleti ngokoMthetho Xxxxxxxxxx Xxxxxxxx, uMthetho Wezikantolo Zomantshi, uMthetho Wezabaqoqi Bezikweleti noma uMthetho Wezabameli, kuzoya ngokuthi imuphi uMthetho osebenzayo kulesi simo.

Uma siqoka ukuphoqelela ukuhlonishwa kweSivumelwano, kuzolandelwa le nqubo ebhalwe lapha ngezansi:

• Uzothunyelelwa incwadi ekwazisa ngokuphula kwakho iSivumelwano

• Kuleyo ncwadi kuzoba kunesiphakamiso sokuthi udlulisele lesi Sivumelwano kumeluleki wezezikweleti, omunye umlamuli wezimpikiswano, inkantolo yezabathengi noma Isikhulu Esiphenya Izikhalo Zabathengi esigunyaziwe, ngenhloso yokuqeda impikiswano engaba xxxxx xxxx kwenziwe futhi kuvunyelwane ngohlelo lokukhokhwa kwayo xxxxx imali esalele emuva ngaphansi kwalesi Sivumelwano

• Uma ufake isicelo sohlelo lokubuyekezwa kwezikweleti ngokwesigaba 86 soMthetho, futhi leso sicelo sokubuyekezwa kwezikweleti singakaphothulwa kuze kuphele izinsuku zokusebenza ezingu-60 emva kokuthi ufake isicelo sokubuyekezwa kwezikweleti, kungenzeka sikuthumelele isaziso, esihoxisa uhlelo lokubuyekezwa kwezikweleti ngokwesigaba 86 (10) soMthetho

Uma kwenzeka ufaka isicelo sokubuyekezwa kwezikweleti ngale ndlela, ngeke ukwazi ukuvula esinye isivumelwano sokuthenga ngesikweleti noma uvunyelwe ukuthi wandise izindleko onazo (njengokusebenzisa ikhadi lokuthenga ngesikweleti) kuze kufike isikhathi sokuchithwa kwesicelo xxxxx xxxx ukhokhe xxxxx imali oyikweletayo njengoba inkantolo ivumile.

Akunazinyathelo zomthetho ozothathelwa zona ngaphandle uma:

• usuphule isivumelwano okungenani izinsuku zokusebenza ezingu-20 futhi

• sekuphele okungenani izinsuku zokusebenza ezingu-10 emva kokuthunyelwa kwencwadi noma isaziso sokuphulwa kwesivumelwano okukhulunywa ngaso lapha ngenhla (leso sikhathi sokuphulwa kwesivumelwano esiyizinsuku ezingu-10 sizohamba kanyekanye nesikhathi esiyizinsuku ezingu-20 futhi

• uhlulekile ukuthatha izinyathelo ezifanele emva kokuthola incwadi ekwazisa ngokuphulwa kwesivumelwano, noma usenqabile isiphakamiso sethu;

Uma sinquma ukusihoxisa lesi Sivumelwano ngokwesigaba 123 soMthetho, ngaphambi kwalokho kuzolandelwa inqubo yokuphoqelela ukukhokhwa kwesikweleti efana nalena ebhalwe ngenhla.

Noma ngasiphi isikhathi ngaphambi kokuhoxiswa kweSivumelwano uvumelekile ukuthi ubuyisele lesi Sivumelwano esimweni saso esijwayelekile uma kunemali esalele emuva xxxxxxxx xxxxxxxxx xxxxxxxxxxx xxxx xxxx, xxxxx

nezindleko zemali esalele emuva esinemvume yokuzifaka xxxxx xxxxxxxxxx ezifanelekile kuze kufike isikhathi sokubuyiselwa kwesivumelwano esimweni saso.

6. Isitatimende Se-akhawunti

Sizokuthumelela isitatimende se-akhawunti yakho, ungaqoka ukuthi sithunyelwe kuwena njalo ngenyanga noma emva kwezinyanga ezintathu.

7. Amakheli xxxxx Xxxxxxxxxxxxx Kwezincwadi

Uyavuma ukuthi ikheli lasekhaya osihlinzeke xxxxx xxxxx xxxxxxxxxxxxxx kulona zonke izaziso zomthetho.

Uyavuma ukuthi ikheli leposi xxxxx xxxx-xxxxxxx osihlinzeke xxxxx xxxxx esizothumela xxxxxx xxxxx iposi xxxxx xxxxxxx xxxxxxxxx, kufaka phakathi isitatimende se-akhawunti. Siyathembisa ukuthi ngeke sikuthumelele lezo zincwadi nge- imeyili ngaphandle uma wena usivumela ukuthi sikwenze lokho.

Kumele ubhalele abakwa-Direct Axis ubazise uma kwenzeka kuba khona ikheli lakho elishintshayo xxxx xxxx khona ushintsho kwimininingwane yokuxhumana nawe, kufaka phakathi ikheli le-imeyili xxxxx xxxxxxxxxxx zocingo. Uma uthumela isaziso sokushintsha kwekheli lasekhaya, kumele xxxx xxxxxx sihambisane nobufakazi balokho. Uma uhluleka ukusinikeza isaziso sokushintsha kwekheli lakho, sizoqhubeka nokusebenzisa ikheli lakho elidala nakuba ungasalisebenzisi.

Uyavuma ukuthi kuzothathwa ngokuthi usitholile isaziso noma incwadi esikuthumelele yona emva kwezinsuku ezingu-5 siyiposile noma ezingu-2 emva kokuyithumela nge-imeyili.

8. Isitifiketi Semali Okumele Ikhokhwe Xxxxxxx Xxxxxxxxxxx

Singakuhlinzeka ngesitifiketi esivela kwenye yezimenenja zethu, okungadingekile ukuthi kunikwe ubufakazi besikhundla sayo, esikhombisa imali okumele sikhokhelwe yona ngosuku olunqunyiwe, nokuthi ibalwe kanjani.

Ngaphandle uma ungavumelani naleso samba semali futhi ukwazi ukubonisa inkantolo ukuthi lesi samba asilona iqiniso, uyavuma ukuthi singasamukela isinqumo noma umlayelo esiwunikezwe ngumthetho ngokolwazi oluqukethwe kwisitifiketi, xxxx xxxx samba semali inkantolo enqume ukuthi sikukweleta yona.

9. Ukudluliswa Kwamalungelo noma Ukunikezelwa kwawo

Kungenzeka sidlulisele (sikwazisile noma singakwazisanga) amalungelo ethu xxxxx xxxxxxxxx xxxxx ngaphansi kwalesi Sivumelwano kwenye Inkampani Ehlinzeka Ngesikweleti, futhi uyavuma ukuthi uzoqhubeka nokuhlonipha izibopho onazo kwiNkampani entsha Ehlinzeka Ngesikweleti.

10. Izinkampani Ezigcina Imininingwane Yokuthenga Ngesikweleti, Ukubika Okuphathelene Nezikweleti xxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxxxx Xxxxxxxxxxxx

Ngokwamukela le Khwotheshini xxxxx Xxxxxxxxxxxxx Esandulela Isivumelwano uyavuma futhi uyaqinisekisa ukuthi:

Sithumele imininingwane yesicelo sakho sokubolekwa imali xxxxx xxxxxxxxxxxxx sokubolekwa imali Ezinkampanini Ezigcina Imininingwane Yokuthenga Ngesikweleti. Lokhu kufaka phakathi ukungena kwiSivumelwano xxxxx xxxxxxxxxxxx, imali oyikhokhayo ngokweSivumelano, xxxxx xxxxxxxxxxx kokwahluleka kwakho ukukhokha ngendlela efanele futhi ngezinsuku ezinqunyiwe ngaphansi kweSivumelwano.

Kodwa-ke uma sizothumela ulwazi olungeluhle ngawe, njengesikweleti ohlulekile ukusikhokha xxxxx xxxx esesidluliselwe kubameli sizokunikeza okungenani isaziso sezinsuku zokusebenza ezingu-20 mayelana nalokho.

Izinkampani ezigcina imininingwane yokuthenga ngesikweleti kungenzeka zilusebenzise lolu lwazi ukukhipha umlando wakho wokuthenga ngesikweleti xxxxx xxXxxxxxxxxxxx sakho sokuthenga ngesikweleti esinamaphuzu akhombisa ukufaneleka kwakho ukuthenga ngesikweleti.

Ungaxhumana nezinkampani ezigcina imininingwane yokuthenga ngesikweleti xxxx xxxx futhi unelungelo lokunikezwa umlando wakho wokuthenga ngesikweleti, unalo futhi ilungelo lokuphikisa ulwazi olungelona iqiniso ukuze lulungiswe lolo lwazi uma sihluleka ukunikeza ubufakazi obuqinile obuqinisekisa ulwazi esinalo.

Amagama ezinkampani ezizonikezwa lolu lwazi abhalwe lapha ngezansi xxxxx nemininingwane yokuxhumana nazo:

• Transunion: shayela le nombolo yocingo 011 214 6000 / 0861 482 482 noma uthumele i-imeyili kuleli kheli xxxxxxxxx@xxxxxxxxxx.xx.xx

• Experian: shayela le nombolo yocingo 011 799 3400 / 0861 105 665 noma uthumele i-imeyili kuleli kheli xxxx@xxxxxxxx.xx.xx

• Xpert Decision Systems: shayela le nombolo yocingo 011 645 9100 noma uthumele i-imeyili kuleli kheli xxxx@xxx.xx.xx

11. Izikhalazo xxxxx Xxxxxxxxxxxxxx

Uma kwenzeka kuba nemibuzo ethile, isikhalo noma impikiswano, sicela ushayele Xxxxxxxx Xxxxxxx Xxxxxxxxxxxxx Kwabathengi lakwa-Direct Axis, okuyibona abazokwenza konke okusemandleni abo ukuxazulula isikhalazo xxxxx xxxx impikiswano.

Uma abakwa-Direct Axis behluleka ukuxazulula isikhalazo xxxxx xxxx impikiswano, unelungelo lokucela usizo Kwisikhulu Esiphenya Izikhalo Zabasebenzisi Bamabhange, Umlawuli Kazwelonke Wezezikweleti noma uma Umlawuli Kazwelonke Wezezikweleti enqaba ukukusiza, lolu daba ungaludlulisa uluqondise ngqo Enkantolo Yezabathengi.

Imininingwane yokuxhumana ephathelene nezikhalo ime kanje:

• Xxxxxx xxxxx-Direct Axis Lokunakekelwa Kwabathengi /Lokukhokhwa Kwezikweleti: shayela le nombolo yocingo 0861 133 421 noma uthumele i-imeyili kuleli kheli XXXXxxxxxxxxxxx@xxxxxxxxxx.xx.xx

• Isikhulu Esiphenya Izikhalo Zabasebenzisi Bamabhange: shayela le nombolo yocingo 0860 800 900 noma uthumele i-imeyili kuleli kheli xxxx@xxxxx.xx.xx

• Xxxxxxxx Xxxxxxxxxx Wezikweleti: shayela le nombolo yocingo 0860 627 627 noma uthumele i-imeyili kuleli kheli xxxx@xxx.xxx.xx

• Xxxxxxxxx Xxxxxxxxxx Xxxxxxxxxxxx: shayela le nombolo 012 663 5615 noma uthumele i-imeyili kuleli kheli Xxxxxxxx@xxxxxx.xxx.xx

12. Ilungelo Lokwenza Isicelo Kumeluleki Wezezikweleti

Unelungelo lokwenza isicelo Kumeluleki Wezezikweleti ukuze uthathwe njengomuntu onezikweleti esezingaphezu kwamandla akhe ngokwesigaba 86 soMthetho futhi ucele usizo ngaphambi kokuthi sikuthathele isinyathelo sokukuphoqelela ukuthi ukhokhe isikweleti uma kwenzeka ukuthi awukhokhi ngendlela echazwe kwiSivumelwano.

Imininingwane yokuxhumana Nomeluleki Wezezikweleti endaweni yakini ungayithola Kumlawuli Kazwelonke Wezezikweleti uma abakwa-Direct Axis behluleka ukukusiza mayelana nalokhu. Umeluleki Wezezikweleti uzokucela ukuthi ugcwalise iFomu 16 bese ukhokha imali enqunyiwe ngaphansi koMthetho Kazwelonke Wezikweleti. Uma samukeliwe isicelo sakho, Umeluleki Wezezikweleti uzosicubungula isicelo sakho bese esichitha noma ekwazisa ukuthi sibe impumelelo.

13. Amanye Amalungelo

Ngaphansi koMthetho Kazwelonke Wezikweleti, unelungelo:

• xxxxxxxx xxxxxxx xxxxxxxxxxxxx ngesikweleti

• lokuvikeleka ekucwasweni okuphathelene nokuhlinzekwa ngesikweleti

• xxxxxxxx xxxxxxxx esizwakalayo esibhalwe xxxxxx xxxxxxx kungani sichithiwe isicelo sakho sokuhlinzekwa ngesikweleti

• lokuhlinzekwa ngezincwadi ezidingekayo ngokulayela koMthetho, ngolimi olusemthethweni oluvunywe nguMlawuli Kazwelonke Wezezikweleti

• lokuthola ulwazi ngolimi olulula futhi oluzwakalayo

• lokunikezwa zonke izincwadi ezidingekayo ngokulayela koMthetho

• lokuhlinzekwa ngesilinganiso ezoba semthethweni isikhathi esiyizinsuku zokusebenza ezingu-5 xxxxx Xxxxxxxxxxxxx Esandulela Xxxxxxxxxxxx, futhi uchazelwe ngokugcwele imigomo nemibandela yalokhu kokubili ngaphambi kokuthi ungene kunoma isiphi isivumelwano sesikweleti.

• lokuthi igama lakho lingafakwa kunoma yikuphi kulokhu okulandelayo—

(i) emkhankasweni wokushayela amakhasimende ucingo ngenhloso yokuwanxenxa ukuthi athenge imikhiqizo ethile okwenziwa yinkampani ehlinzeka ngesikweleti ngokwayo noma okwenziwa egameni xxxx;

(ii) ohlwini lokunxenxa amakhasimende ukuthi athenge imikhiqizo ethile noma olunamagama amakhasimende oludayiswa noma olusatshalaliswa yinkampani ehlinzeka ngesikweleti, ngaphandle uma lokho kudingekile ngokulayela koMthetho; noma

(iii) ukusatshalaliswa kwenqwaba yemilayezo ethunyelwa nge-imeyili noma nge-sms okwenziwa yinkampani ehlinzeka ngesikweleti noma okwenziwa egameni layo.

Ungalisebenzisa noma xxxx xxxx lungelo lakho ngenkathi wamukela isilinganiso yakho yokubolekwa imali, noma ngasiphi esinye xxxxxxxxx xxxxxxxxxxxx Xxxxxx xxxxx-Direct Axis Lokunakekelwa Kwamakhasimende kule nombolo yocingo 0861 133 421 noma uthumele i-imeyili ku XXXXxxxxxxxxxxx@xxxxxxxxxx.xx.xx.

14. Xxxxxx Xxxxxxx Ukwamukele xxxxx Xxxxxxxxxxxxxx

Bonke abenzi bezicelo ezibe yimpumelelo bazohlinzekwa isilinganiso ngokulayela koMthetho, futhi ngaleso sikhathi uzokwaziswa xxxxx imininingwane ephathelene nezimali kufaka phakathi inzalo xxxxx xxxxxxx izindleko eziqondene nesicelo sakho.

Uma xxxx xxxx uboleka enye imali, okuzokwenza kuguquke Isivumelwano, sizokunikeza enye Ikhwotheshini ekhombisa leso samba semali oyibolekayo eyengeziwe xxxxx xxxxxx xxxxxx xxxxxx uguquko okungenzeka lube khona ngenxa yalokhu kwisamba semali ebolekiwe, isikhathi esinqunyiwe sokukhokhwa kwemali ebolekiwe or inzalo

Isilinganiselo azoba semthethweni izinsuku zokusebenza ezingu-5, futhi ngaleso sikhathi kulindeleke ukuthi usithumelele zonke izincwadi esizicelile kuwena. Imali oyibolekile uzonikezwa yona kuphela uma ususithumelele zonke izincwadi ezidingekayo kuwena.

Xxxxxxx, amakhwotheshini xxxxx xxxxxxxxxxxx kwawo kungenzeka kwenziwe ngocingo, uma lokhu kwenziwa ngocingo izinkulumo zizoqoshwa.

Izicelo kungenzeka zenziwe nge-inthanethi kwi-websayithi ethi xxx.xxxxxxxxxxxxxxx.xx.xx. Uma usebenzise le ndlela ukufaka isicelo, uzokwazi futhi ukwamukela ikhwotheshini nge-inthanethi.

Kuzo zonke lezo zindlela zokuxhumana, ukwamukela kwakho nanoma yisiphi isilinganiso kuzobe sekuqinisekiswa ngokuthi ubhalelwe incwadi.

Ngokwamukela isilinganiso kanye nemigomo yalesi Sitatimende Esandulela Isivumelwano uyavuma futhi uyaqinisekisa ukuthi:

• njengamanje awunazo izikweleti ezingaphezu kwamandla akho

• awukho ngaphansi komyalelo wenkantolo wokulawulelwa izikweleti zakho, wokudlelwa impahla, wokubuyekezwa kwezikweleti noma wokuhlelwa kabusha kwezikweleti futhi inkantolo ayikaze ikhiphe umyalelo wokuthi uthathwe njengomuntu ogula ngengqondo

• usifundile futhi uyasiqonda lesi sitatimende esandulela isivumelwano ngaphambi kokwamukela nanoma iyiphi imali oyibolekwayo

• uchazeliwe futhi kwaxoxiswana nawe ngeKhwotheshini xxxxx Xxxxxxxxxxxxx Esandulela Xxxxxxxxxxxx futhi uziqonda xxxxx izindleko, ubungozi xxxxx xxxxxxxxx ezihambisana nokungena kwiSivumelwano

• uma ushade ngomshado wobunini bempahla obulinganayo, kudingeka ukuthi uthole imvume yalowo oshade naye ukuze ukwazi ukwenza lesi Sivumelwano

• nanoma iyiphi enye imali ozobolekwa yona ngenxa yokuguqulwa kweSivumelwano ngeke iholele ekwenziweni kwesivumelwano esisha, futhi leyo mali ozoyinikezwa izongena ngaphansi kwemigomo nemibandela equkethwe kule ncwadi.

• asikho esinye isikweleti osivulile ngaphandle kwezikweleti obunazo ngesikhathi wenza xxxxxxx xxxxxxxxxxx imali

• lonke ulwazi osinikeze xxxx luyiqiniso, aluguqukile futhi singathembela kulona

• uma uhluleka ukukhokha imali ngesikhathi esinqunyiwe ngaphansi kweSivumelwano, abakwa-Direct Axis banelungelo lokukushayela ucingo noma ngaluphi usuku lwesonto mayelana xxxx mali engakhokhwanga

• xxx xxxxxx imali ekhona kwi-akhawunti yasebhange oqoke ukuthi sidonse kuyona isitalimende, sinelungelo lokulandela umkhondo we-akhawunti yakho yasebhange futhi siphinde sithumele umyalelo wokukhokhelwa ngokushesha uma sekunemali eyanele kule akhawunti okukhulunywa ngayo lapha ngenhla

• uma kwenzeka ihoxiswa/ichithwa imvume yokudonswa kwezigamu semali ozoyikhoka kwi-akhawunti yasebhange ngenxa yokungaphumeleli kwemizamo engu-3 ilandelana yokudonswa kwemali kwi-akhawunti yasebhange, uyabanikeza abakwa-Direct Axis imvume yokuthi baluvuselele ngokubona kwabo uhlelo lokudonswa kwezigamu zemali ozokuzikhoka kwi-akhawunti yasebhange.

• uma kwenzeka imininingwane yakho yasebhange uyiguquka, abakwa-Direct Axis banemvume yokuthi basebenzise imininingwane yalolo luguquko kuzozonke izivumelwano ozenze nathi lapha kwa-Direct Axis.

Sinelungelo lokuhoxa kulesi Sivumelwano ngokukunikeza isaziso esibhalwe phansi mayelana nalokho uma kwenzeka kuvela ulwazi olusha oluyiqiniso noma obungasinikezanga xxxx phambilini olungaba nomthelela omubi esimweni sokufaneleka kwakho ukuthenga ngesikweleti noma ukuba sesimweni esikahle sokukhokha le mali oyibolekiwe. Isivumelwano ngeke sisasebenza futhi akekho kulabo abangene esivumelwaneni ozofuna ukukhokhelwa ngomunye ngenxa yalokhu.

Xxxxxxxxxx xxxxxx xxxxxxxx, ngencwadi noma nge-inthanethi isilinganiso xxxxx xxXxxxxx Xxxxxxxxxxx, kuzothathwa njengeSivumelwano futhi kuzoba isibopho ozibophezela kusona uze uyikhokhe xxxxx imali oyikweleta ngaphansi kweSivumelwano. Akunazinguquko ezizokwenziwa kulesi Sivumelwano ngaphandle xxx xxxx zinguquko kuvunyelwane ngazo ngencwadi ebhalwe phansi noma-ke kuvunyelwane ngomlomo futhi kwaqoshwa nezwi lakho, bese emva kwalokho sabhalwa phansi isivumelwano. Lezo zinguquko kungenzeka zifake phakathi nesamba senye imali ebolekisayo onikwe yona phezu kwemali oyiboleke ekuqaleni.