Fraud Alert Terms and Conditions

Modified on Fri, 3 Jul at 4:20 PM

TFG FRAUD ALERT

TERMS AND CONDITIONS FOR THE PROVISION OF SERVICES

IMPORTANT – PLEASE READ CAREFULLY

1. DEFINITIONS

1.1 “Agreement” means these terms and conditions (“the Terms”), which are in addition to, and must be read together with (as if specifically incorporated herein), the terms and conditions for the TFG Money account. In the event of conflict, the Terms will prevail.

1.2 “Business Day” means any day except for a Saturday, Sunday or public holiday, and “Business Days” shall have a corresponding meaning.

1.3 “Card” means the personal TFG Money account card that We issue to You when You open a TFG Money account.

1.4 “Credit Limit” means the maximum approved amount of credit in terms of Your TFG Money account.

1.5 “Service” means the optional and value added service called TFG Fraud Alert which You have requested Us to provide to You, at a cost payable by You to Us.

1.6 “SMS” means a short message service sent to Your nominated cellular telephone.

1.7 “TFG Money account” means the facility that we have given You that enables You to buy goods, services, and other optional products on credit from Us.

1.8 “We / Us / Our / TFG” means:

1.8.1 in South Africa:

1.8.1.1 Foschini Retail Group (Pty) Ltd, registration number 1988/007302/07, a registered credit provider, NCRCP 36, and an authorised Financial Services Provider with registered address at 340 Voortrekker Road, Parow East, 7500, South Africa and contact telephone number 021 938 1911; and

1.8.1.2 Tapestry Home Brands (Pty) Ltd, registration number 2005/014198/07, with registered address at 340 Voortrekker Road, Parow East, 7500, South Africa and contact telephone number 011 125 0940

1.8.2 in Namibia, Fashion Retailers (Pty) Ltd, registration number 821

1.8.3 in Eswatini, Foschini Swaziland (Pty) Ltd, registration number 117/1980

1.9 “You / Your” means the person holding the TFG Money account with Us who has elected to accept the Service.

2. UNDERSTANDING THIS AGREEMENT

2.1 It is hereby explicitly stated and guaranteed that You have read the terms of this Agreement and that You understand the content and the meaning of the terms of this Agreement.

3. WHAT IS TFG FRAUD ALERT

3.1 We will send You an SMS each and every time a purchase with a value of over R100.00 (one hundred rand) (“the Purchase”) is made on Your TFG Money account using Your Card.

3.2 Your nominated cellular telephone number will be the number that You have provided to Us when You applied for your TFG Money account, or any other number which You have provided to Us from time to time with instructions that We are to use said number as Your nominated contact number. Your nominated cellular telephone number must be a valid and registered South African cellular telephone number. If you do not have a valid and registered South African cellular telephone number, you will not receive the Service.

3.3 The SMS will contain details as to the date on which the Purchase was made on your TFG Money account, the amount of the purchase and in which store the Purchase was made.

3.4 We may change the Service, or any part thereof, at any time by giving You notice in writing to any address / email / cellphone number You have provided to Us when You applied for your TFG Money account, or provided to us at a later stage with instructions that We are to use it as Your nominated contact details, or if we obtain updated contact information from additional sources.

4. CANCELLATION

4.1 You may cancel the Service at any time by giving Us no less than 30 (thirty) days’ notice in any one of the following ways:

4.1.1 by writing to Us at either of the following addresses:

4.1.1.1 Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500; or

4.1.1.2 P.O. Box 6020, Parow East, 7501; or

4.1.2 by calling Our customer services department on 0860 834 834; or

4.1.3 by emailing Us at customerqueries@tfg.co.za.

4.2 You may cancel the Service within 5 (five) Business Days after subscribing to it, in which event You will receive a refund of any amount billed as per clause 5 below.

4.3 We may cancel the Service at any time by giving You no less than 30 (thirty) days’ notice in writing to any address / email / cellphone number You have provided to Us when You applied for your TFG Money account or provided to us at a later stage with instructions that We are to use it as Your nominated contact details, or if we obtain updated contact information from additional sources

5. COST AND PAYMENT

5.1 The cost of the Service is R4.95 (four rand and ninety five cents) per month, or as increased by Us as per clause 5.5 of this Agreement.

5.2 The cost of the Service is due and payable monthly, together with your instalment on your TFG Money account. The due date for payment of your instalment on your TFG Money account is the due date for payment of the cost of the Service.

5.3 You consent to Us debiting and collecting the cost of the Service from Your TFG Money account each month until the Service is cancelled as per clause 4 above or lapses or suspends as per clause 6 below.

5.4 If interest is payable on your TFG Money account, You will pay the same interest rate on the cost of the Service. We will retain this interest.

5.5 We may increase the cost of the Service at any time on no less than 30 days’ written notice to You by SMS or email.

6. AUTOMATIC LAPSING OF THE SERVICE

6.1 The Service will suspend, without notice to You, when:

6.1.1 You have not paid the monthly amount required by Us on Your TFG Money account for 2 (two) consecutive months. You may contact TFG’s customer services on 0860 834 834 if You would like to know what this amount is; or

6.1.2 There is any amount on Your TFG Money account that is outstanding for 60 (sixty) days or more. This means that, in order for You to receive the Service, the 60 (sixty) day indicator and the 90 (ninety) day indicator on the bottom of Your account statement each month must be zero as per this example:

TFG will notify You in writing when there is an amount outstanding for 60 (sixty) days or more.

6.1.3 You apply for or are accepted to go under debt review as provided for under the National Credit Act 34 of 2005; or

6.1.4 You go under administration as provided for in the Magistrates’ Courts Act 32 of 1944; or

6.1.5 You become insolvent as provided for in the Insolvency Act 24 of 1936; or

6.1.6 You reach Your Credit Limit.

6.2 The Service will automatically, and without notice to You, lapse / end / terminate at midnight on the day that:

6.2.1 Your TFG Money account is terminated; or

6.2.2 We cease to provide this Service.

6.3 In the event of the suspension of the Service or the termination of the Service as provided for at 6.1 and 6.2 above, We will not be liable to You for any damages You may suffer, including consequential loss, as a result of You not receiving the Service.

6.4 As soon as any of the circumstances listed above at 6.1.1 to 6.1.6 come to an end or no longer apply, the Service will reinstate automatically.

7. WARRANTY

7.1 We warrant that in delivering the Service We have and will exercise all reasonable skill and care to be expected of an entity rendering such services.

8. FORCE MAJEURE

8.1 Neither party shall be responsible for any failure or delay in performance of its obligations under this Agreement (other than the obligation to make payments of money) due to any force majeure event including, Act of God, fire, explosion, embargo, terrorism, civil disturbance, accident, epidemics, lightning damage, electromagnetic interference, radio interference, strikes, industrial dispute, or any other cause beyond its reasonable control.

8.2 In the unlikely event of the above, We will not be liable for any loss or expenses caused to You.

9. NATURE OF THE SERVICE

9.1 The Service is a value – added product which You have elected to receive. It is not an insurance product, and the cost of the Service does not constitute a “cost of credit” as defined in the NCA.

9.2 The Service may alert You to fraudulent activity on Your TFG Money account, or fraudulent use of Your Card. It is Your responsibility to call Our customer services department immediately on 0860 834 834 if You suspect fraudulent activity on Your TFG Money account.

9.3 The Service does not give You a right to a refund of proven fraudulent purchases made on Your TFG Money account with your Card, and it does not mean that We will be under any duty to reverse any proven fraudulent purchases made on Your TFG Money account with Your Card.

10. AVAILABILITY / INTERRUPTION OF THE SERVICE

10.1 The Service is available only when Your cellular telephone is within the operating range of Your cellular telephone network provider with an appropriate signal for network services.

10.2 The Service is subject to transmission limitations and service interruptions which are occasioned by Your cellular telephone network and are not under Our control.

10.3 You acknowledge and agree that We are not responsible for performance degradation, interruption or delays due to conditions of, or in terms of your contractual arrangements with, Your cellular telephone network provider.

11. GOVERNING LAW

11.1 The Parties agree that the validity and interpretation of this Agreement will be governed by the laws of the Republic of South Africa.

12. COMPLAINTS

12.1 If You have a complaint about the product, You may contact Our customer services department on 0860 834 834 or customerservices@tfg.co.za.

Version: 23 September 2025