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Identity Retailing (Pty) Ltd: Reg. no. 1965/001234/07 (if my Account is opened in South Africa); Identity, a division of Truworths (Namibia) Limited: Reg. no. 492 (if my Account is opened in Namibia); Identity, a division of Truworths (Swaziland) Limited: Reg. no. 108/1961 (if my Account is opened in Swaziland); and Identity, a division of Truworths Botswana (Pty) Limited: Reg. no. CO2007/5848 (if my Account is opened in Botswana)

No. 1 Mostert Street, Cape Town, South Africa (hereafter referred to as “Identity”)

Identity Terms and Conditions for the application for, and granting of credit, and sale

Credit Agreement
1. I understand that a Credit Agreement, in respect of a revolving Credit Facility (my “Credit Facility”), has been concluded between myself and Identity.
2. My Credit Agreement with Identity is constituted by the Account Application Form (if such form was completed and signed by me) (the “Application”) and/or the Pre-agreement Statement and Quotation (the “Quotation”) if applicable and/or the letter signed by Identity advising that a Credit Facility has been made available to me, as well as the terms and conditions set out in this document and any amendment to my Credit Agreement that has been recorded in writing and consented to by me.
3. I understand that the terms and conditions applicable to my Credit Agreement and to sales of merchandise by Identity will at all times be subject to the provisions of the National Credit Act No. 34 of 2005 (the “National Credit Act”) and the Consumer Protection Act 68 of 2008 (the “Consumer Protection Act”) if applicable and any other applicable legislation, and in the case of a conflict between any legislation and these terms and conditions the legislation will prevail.
Credit Limit, Account Limit and Increases
1. Credit Limit
  
  My Credit Facility (my “Account”) will be allocated a maximum credit limit (“Credit Limit”) as determined by Identity in accordance with the requirements of the National Credit Act in South Africa, and the relevant provisions of applicable legislation in other countries. This Credit Limit will take into account my monthly disposable income after deducting all my monthly household expenses from my monthly household income (“Affordability”), which will be provided by me to Identity at the time of the Affordability assessment. I understand that Identity may at its discretion increase this Credit Limit temporarily in response to a request from me in order to accommodate specific purchases that would result in my exceeding this Credit Limit. I understand that the Credit Limit applicable before such temporary increase will again apply when the balance owing on my Account is less than such Limit. Identity may increase the Credit Limit applicable to my Account either with my consent or at my request, but after consideration of the requirements of the National Credit Act, if applicable. Furthermore, my Credit Limit may automatically be increased annually, provided that I have agreed to such automatic annual increases. I understand that I must inform Identity should my Affordability deteriorate (get worse) following my initial Affordability assessment when my Credit Limit was originally determined.
2. Account Limit
  
  I understand that Identity may in its discretion make available to me an Account Limit (the “Account Limit”) at a lower amount than the Credit Limit allocated to me as referred to in clause 2.1 above. This Account Limit will be made available to me, and increased and decreased from time to time at Identity’s discretion and based on the manner in which I have conducted my Account. I understand that Identity may in its discretion increase this Account Limit temporarily in response to a request from me, in order to accommodate specific purchases that would result in my exceeding this Account Limit. I understand that the Account Limit applicable before such temporary increase will again apply when the balance owing on my Account is less than such Limit.
Card and Payment Plans

Identity will send me a charge card (my “Card”) which I will be responsible for. If my Card is lost or stolen, I will immediately inform my local Identity store or contact the Customer Services Helpline on +27 (0)21 460 2400. I may use my Card to purchase merchandise on the various payment plan(s) available in the country where my Account was opened and applicable to such merchandise as determined by Identity in its sole discretion at the time of purchase.
Interest
1. Agreed Rate
  
  Until the interest rate is varied in the manner described below, interest will be charged on all payment plans I use at the rate specified in the Quotation, or in the case of accounts opened before 1 June 2007, at the rate applicable to such accounts (the “Agreed Rate”). The Agreed Rate will never exceed the applicable reference rate as defined below.
2. Reference Rate
  
  I understand that if I opened my Account in South Africa, Identity has selected the Maximum Interest Rate prescribed by the National Credit Act, or the Usury Act in the case of accounts opened before 1 June 2007, as the reference rate for purposes of determining the Agreed Rate applicable to my Account. I understand that if I opened my Account outside of South Africa the reference rate will be the maximum rate prescribed by the relevant legislation in the country where my Account was opened.
3. Variation in Agreed Rate
  
  I understand that my Account has a variable interest rate meaning that the Agreed Rate will vary from time to time with changes in the applicable reference rate. The Agreed Rate applicable to the payment plans on my Account will vary from time to time directly in accordance with applicable changes in these reference rates. Within 30 business days of any such variation, Identity will inform me in writing of the variation, which shall be by fixed relationship to the change in the applicable reference rate.
4. Discounted or Waived Interest
  
  I understand that the Agreed Rate may at Identity’s discretion be discounted to a lower interest rate or even waived at Identity’s sole discretion on the six (6) or twelve (12) month payment plan and other payment plans should these have been made available to me at Identity’s discretion.
5. Preventing Interest on Arrear Accounts
  
  I understand that interest is calculated on the average daily balance owing on my Account from time to time and that I can minimise the amount of interest charged to my Account by making my payments due in full by the payment due date as specified on my monthly Statement of Account. I understand that if I do not make such payment by such due date, more interest will be charged on my Account as it will be calculated on an average daily balance owing which will not have been reduced because I will not have made payment due by the payment due date.
6. Charging Interest
  
  Interest is charged on my Account as follows:
  1. I understand that if I pay Identity the balance owing (in other words the full outstanding balance) on or before the first payment due date as shown on my monthly statement, no interest will be charged.
  2. I further understand that should I not pay the amount due (i.e. the monthly instalment) to Identity, or should I pay a lesser amount than the amount due to Identity by the payment due date, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.4 below at no more than the Maximum Interest Rate determined in accordance with clause 4.6.5 below, and I may be liable for additional statutory charges.
  3. I further understand that should I only pay the amount due (i.e. the monthly instalment) to Identity, interest will be charged for the period between the dates of the previous and current monthly statements in the manner specified in clause 4.6.4 below at the Agreed Rate referred to in clause 4.1 above.
  4. Interest is calculated daily on a simple basis by using the following formula: the balance owing on the Account is divided by the number of days in the year, and multiplied by the applicable interest rate in accordance with my Credit Agreement to determine the interest owing per day. The daily interest so determined is aggregated for the period between the dates of the previous and current monthly statements and added to the balance owing on the Account on the date of the current monthly statement.
  5. The National Credit Act stipulates the Maximum Interest Rate that may be charged with reference to the repo rate, which is determined from time to time by the SA Reserve Bank.
Statements, Payments and Default
1. Statements
  
  Identity will send to the postal address specified in either the Quotation or the Application, or to such changed address as I may subsequently have notified Identity, a monthly statement of account which amongst other information will set out the balance owing as at the statement date, the monthly instalment, the amount of interest payable, the payment due and the payment due date. The balance owing comprises the cost of purchases made on my Account as reflected on the invoices issued to me at the time of purchase, together with any permissible and agreed interest, initiation fees, service fees, insurance premiums, default administration costs and collection costs that may be charged to my Account less any payments made on or credits passed to my Account. The payment due is the monthly instalment (determined with reference to the payment plan(s) applicable to my Account) plus any arrear amounts together with interest and permissible fees charged thereon.
2. Payments
  1. I agree that payments on my Account can only be made in the country in which my Account was opened. I agree to pay Identity no less than the payment due each month, without set-off or deduction, on or before the payment due date and I confirm that I will not be entitled to attach any condition to any payment made to Identity. Identity will credit each payment that I make on my Account as of the date of receipt of such payment as follows: firstly to satisfy any due or unpaid interest charges, secondly to satisfy any due or unpaid fees, costs or charges and thirdly to reduce the amount of the principal debt.
  2. I shall have the option, should I have a savings, transmission or cheque account, to apply for a debit order for payment of the amount due to Identity each month. The debit order shall state that payment is to be deducted any day of the month as chosen by me. Identity reserves the right to re-present the debit order for payment to my bank even on the days not stipulated by me in the debit order until such time as my obligations are met.
3. Default and Termination
  1. I agree that I will be in default under this agreement if:
    1. I fail to pay at least 90% of the amount payable on due date.
    2. My Account thereafter remains in arrears for more than 30 consecutive days which will occur unless I pay at least 90% of the amount due on the next payment date.
  2. If I fail to comply with the terms of this agreement or if my estate is sequestrated if I die or if I am in default of my obligations with Identity as defined in clause 5.3.1 above, then:
    1. All amounts owing by me to Identity may become immediately due and payable.
    2. Identity may suspend my Credit Facility.
    3. Identity may reduce my Credit Limit and/or Account Limit without notice to me.
  3. Identity may further, upon 20 business days’ notice, terminate my Credit Facility and subject to the relevant provisions of the National Credit Act, if applicable, may require immediate payment of the balance owing on my Account.
Cellular Purchases
1. Cellphone and cellular accessory purchases on my Identity Account will only be allowed after six (6) months from the date of opening the account and only if Identity merchandise has been purchased regularly on such account.
2. To the extent permitted by law, whilst there is still any amount owing in respect of any cellphone(s) purchased on my Identity Account, the cellphone(s) may on the instruction of Identity to the service provider be disconnected should the payment due on my Account not be made by the applicable payment due date. Once outstanding payments have been made in full the cellphone(s) purchased on my Identity Account can be reconnected at my request and subject to the payment of any reconnection fee that may be charged by the service provider.
3. Cellphones may only be purchased on the six (6) month interest-bearing payment plan.
4. I acknowledge that cellphones and cellular accessories will only be sold in certain stores and in certain countries to be determined at Identity’s sole discretion.
Unauthorised Purchases on my Account

I understand that one of the benefits to which I am currently entitled through payment of the annual service fee is the Fraud Protection Benefit. The Fraud Protection Benefit covers me against any unauthorised and/or fraudulent purchases on my Account. Provided that I have reported such purchase(s), Identity will not hold me liable unless my signature appears on the invoice or other proof of purchase or Identity can establish that I authorised or was responsible for the purchase(s).
Account Balance Protection Insurance

Identity may at its discretion make the Account Balance Protection Insurance a mandatory condition of having an Identity Account. In this instance I may exercise my right to substitute the Identity Account Balance Protection Insurance policy with one of my own similar policies, provided I furnish proof to the satisfaction of Identity that Identity is recorded as the loss payee in my policy.

If I have the Identity Account Balance Protection Insurance I agree to be bound to the terms and conditions of the relevant insurance policy which is available at the point of sale as well as on the Identity website. Identity will debit my Account each month with the premium payable in terms of the Account Balance Protection Insurance. Confirmation of such insurance and policy details will be sent to me by the Insurer.
Confidential and Personal Information
1. I agree that Identity may request and receive any of my confidential and consumer credit information from any credit bureau, other register or any third party at any time, including requesting a bureau score and confirming that this consent also covers such information that has already been received by Identity. Identity may also share this confidential and consumer credit information (including information regarding non-compliance with my obligations under my Agreement) as well as any information regarding my Account, including my Application, opening and closing of my Account, with any other credit provider and credit bureau for, amongst other things, the purposes of such credit bureau sharing such information with other potential credit providers and credit bureau. I understand that the credit bureau provides to credit providers a profile, and possibly a score as to my creditworthiness, based on the information Identity shares with such bureau.
2. I understand that my confidential and consumer credit information may be used by Identity for marketing and ancillary purposes and for risk and analytical evaluation and scoring and the general purposes of the Identity’ business.Please see our Privacy Policy for further information.
Credit Bureaus
1. Identity may disclose my confidential and consumer credit information as set out above, to the credit bureaus, including the following:
  1. Compuscan
    Tel: +27 (0)21 888 6000
    Fax: +27 (0)21 883 2336
    E-mail: info@compuscan.co.za
    Physical Address: Chenin House, Brandwacht Office Park, Trumali Road, Stellenbosch, South Africa
    Postal Address: PO Box 1028, Stellenbosch, 7599, South Africa
  2. Experian
    Tel: +27 (0)11 799 3400 or 086 110 5665
    Fax: +27 (0)11 707 6700/6786
    E-mail: info@experian.co.za or morpheus@experian.co.za
    Physical Address: Experian House, The Ambridge Office Park, Vrede Avenue, Bryanston, South Africa
    Postal Address: PO Box 98183, Sloan Park, 2152, South Africa
  3. TransUnion
    Tel: 0861 482 482
    Fax: +27 (0)11 388 2454
    E-mail: creditbureau@transunion.co.za
    Physical Address: Wanderers Office Park, 52 Corlett Drive, Illovo, South Africa
    Postal Address: PO Box 4522, Johannesburg, 2000, South Africa
  4. XDS
    Tel: +27 (0)11 645 9100
    Fax: +27 (0)11 484 6588
    E-mail: info@xds.co.za
    Physical Address: 11-13 Oakhurst Building, 3rd Floor, West Wing, St Andrews Road, Parktown, Johannesburg, South Africa
    Postal Address: PO Box 30987, Braamfontein, 2017, South Africa
  5. South African Fraud Prevention Services
    Helpline: 0860 101 248
    Tel: +27 (0)11 867 2234
    Fax: +27 (0)11 867 2315
    E-mail: safps@safps.org.za
    Physical Address: Block 5 Meyersdal Office Park, 65 Phillip Engelbrecht Street, Meyersdal, 1448, South Africa
    Postal Address: PO Box 2629, Alberton, 1450, South Africa
    
    and such other credit bureaus that Identity may engage from time to time.
2. I understand that I may at any time contact any credit bureau and request that my consumer credit information be disclosed to me. I may further challenge any information held by the credit bureau that I believe is incorrect.
3. Identity may also provide my confidential and consumer credit information and shopping patterns to its associated companies or agents and to any party concerned with the prevention of and protection against crime.
4. I understand that in terms of the South African money laundering legislation, Identity has a duty to report suspicious or unusual transactions involving unlawful activities in accordance with the obligations placed on business in this regard.
Merchandise Returns
1. Returns and Exchanges
  
  Identity will allow me to return or exchange an item of merchandise within 30 days from date of purchase provided that:
  1. The original invoice or gift receipt is presented on return as proof of purchase.
  2. The price (swing) ticket is attached.
  3. The item has not been worn or used.
  4. The item is in its original condition and packaging.
  5. Items sold with promotional gifts are returned together with the gift.
  6. The item is returned in the country of purchase.
2. Refunds
  
  Identity will allow a full refund in the original method of tender or process a credit on an Identity Account provided that:
  1. All criteria in section 11.1 are met.
  2. The credit card holder and relevant card are present for a credit card refund.
  3. No refund can be processed in the case of a gift receipt being presented unless the original invoice is presented at the same time.
3. However, in addition to fulfilling the conditions in section 11.1 and 11.2, I note that:
  1. Jewellery, watches (with guarantee) and sunglasses must be returned to a store with a fine jewellery department within 14 days.
  2. Swimwear must have the protective strip attached.
  3. Cellphones must be returned to a store with a cellphone counter and are subject to MTN’s Returns Policy.
  4. All cosmetics and fragrances must be returned to a store that has a cosmetics department that stocks that brand.
4. Non-returns
  
  No returns of underwear, gift cards, prepaid cellular airtime or body piercing jewellery (including earrings) will be permitted.
5. Defective Merchandise
  
  Merchandise with material manufacturing faults will gladly be credited or exchanged provided that:
  
  For the full Returns Policy please visit www.identity.co.za
  1. Such merchandise is returned to Identity within six (6) months of my having taken delivery.
  2. Proof of purchase can be provided.
  3. The merchandise is returned within the country of purchase.
  4. The merchandise has been used for its intended purpose.
  5. The item must have been cared for according to the wash/care instruction label.
Account Fees and Costs
1. I understand that Identity will charge me an annual service fee for routine administration costs and this currently entitles me to the Fraud Protection Benefit. The fee payable at the relevant time will be specified in the Quotation and/or otherwise notified to me in writing. The fee is non-refundable and will be debited to my Account once each year when it will accrue to Identity in full. At Identity’s discretion the annual service fee may be increased from time to time provided that it will not exceed the maximum as prescribed by the National Credit Act, if applicable. The annual service fee may from time to time be waived at Identity’s sole discretion.
2. Identity reserves the right to charge me an initiation fee upon opening my Account (the amount of which will be specified in the Quotation and may be paid by me upfront instead of being added to my balance owing).
3. Identity reserves the right to charge me:
  1. A default administration charge should my Account be in arrears or should I be in breach of this agreement, and any collection costs that Identity may incur in enforcing my monetary obligations under this agreement including legal charges which will not exceed those allowed by the Attorneys Act, Supreme Court Act, Magistrates Court Act and the Debt Collectors Act, if applicable. These fees, charges and costs will not be higher than as permitted by the National Credit Act, if applicable.
  2. All costs associated with the handing over of my Account to a debt collection agency for recovery of amounts in arrears.
4. A transaction-based service fee may be charged by Identity and debited to my Account for cheques issued by me and returned by the bank for whatever reason or for debit orders that are not processed by the bank due to a lack of funds.
Miscellaneous Provisions
1. I choose my residential address as stated on the Quotation or my Application (or such different address specified by me in terms of clause 13.2) for receiving any legal documentation. With regard to this Agreement and all transactions with Identity, South African law applies.
2. I will immediately advise Identity of any change in my contact details including but not limited to my business, postal or residential addresses, my home, work or my cellphone number(s), and my e-mail address.
3. If I had a previous Identity Account and closed it within three (3) years of applying for a new Identity Account, then Identity reserves the right to withdraw any promotional offers linked to the new Account.
4. If I am married in community of property I confirm that I have obtained the permission of my spouse to open this Account and to accept increases in the Credit Limit and/or Account Limit applicable to my Account.
5. Identity and any of its authorised agents will be entitled to monitor and/or record my telephone or cellphone conversation(s) that I have with any of their employees for the purposes of training, collections or future reference.
6. Any data about me to which Identity becomes entitled in terms of this agreement can be made available to any prospective purchaser or transferred to any party should Identity either sell its business to such party or if such party obtains control over Identity.
7. Any latitude or indulgence granted to me by Identity will not be deemed to be a waiver of Identity’s rights in terms of this Credit Agreement.
Account Disputes and Complaints
1. I may, at any time, refer a complaint regarding this Agreement to an alternative dispute resolution agent, consumer court or refer a dispute regarding this Credit Agreement to the Credit Ombud, the National Consumer Commission or the National Credit Regulator if my Account was opened in South Africa or any relevant body or regulator in the country in which I opened my Account.
  The Credit Ombud can be contacted on:
  Tel: 0861 OMBUDS (0861 662837)
  Fax: 086 683 4644
  E-mail: ombud@creditombud.org.za
  Physical Address: Fernridge Office Park, 5 Hunter Street, Ferndale, Randburg, South Africa
  Postal Address: PO Box 805, Pinegowrie, 2123, South Africa
  Website: www.creditombud.org.za
  The National Credit Regulator can be contacted on:
  Tel: +27 (0)11 554 2600 or 0860 627 627
  Fax: +27 (0)11 554 2771
  E-mail: info@ncr.org.za
  Physical Address: 127 15th Road, Randjespark, Midrand, South Africa
  Postal Address: PO Box 209, Halfway House, 1685, South Africa
  The National Consumer Commission can be contacted on:
  Share Call Number: 0860 266 786
  Fax: 0861 515 259
  E-mail: ncc@thedti.gov.za
  Website: www.nccsa.org.za
2. Should I have a query regarding the correctness of my monthly statement of account or dispute regarding any merchandise purchases or other transactions reflected on it, I will notify Identity within 60 days of the date of that particular statement.
Debt Counselling

This clause is only applicable to accounts opened in South Africa.

I confirm that at the time of applying for my Identity Account my state of indebtedness was not under evaluation or debt review by a debt counsellor as envisaged in section 86 of the National Credit Act. I understand that I may at any time consult a debt counsellor to assist me with my debt management.

The process to be followed is:
1. Contact any debt counsellor.
2. Pay the prescribed fee and fill out the form provided by the debt counsellor.
3. The debt counsellor will conduct a debt review and make a ruling on whether the granting of this Credit Facility was reckless.
4. If I was not over-indebted at the time that this Credit Facility was concluded, then the debt counsellor will terminate the review process and my obligations to Identity will continue.
5. If I was over-indebted when this Credit Facility was granted, then the debt counsellor will make a recommendation and refer it to the relevant Court or Tribunal for the agreement to be declared reckless.
6. If I am not over-indebted, but the debt counsellor believes that I will have difficulties satisfying my debt, then the debt counsellor may suggest that Identity and I voluntarily consider and agree on a debt rearrangement plan.
Parties and Scope of Agreement
1. I understand that:
  1. The credit grantor in terms of this Credit Agreement:
    1. if I opened my Account in South Africa is Truworths Limited (registration number 1940/013923/06), which is a registered credit provider under the number NCRCP45;
    2. if I opened my Account in Namibia is Truworths (Namibia) Limited (registration number 492);
    3. if I opened my Account in Swaziland is Truworths (Swaziland) Limited (registration number 108/1961);
    4. if I opened my Account in Botswana is Truworths Botswana (Pty) Limited (registration number CO2007/5848); of No. 1 Mostert Street, Cape Town, South Africa (referred to in this document as “Identity”).
  2. I am the consumer/credit receiver and my addresses are as furnished by me on the Quotation or the Application or subsequently amended by me by written notification to Identity.
  3. No amount has been, or is required to be, paid by me as an initial payment (i.e. as a deposit) in terms of the Credit Agreement.
  4. The Credit Agreement relates to the fashion apparel and accessories, including jewellery, cosmetics and cellular products and/or any other products or services, described in the invoices issued to me following purchases made by me in Identity stores and/or on the Identity website.
2. I confirm that I have the legal capacity to enter into this Agreement.
Early Settlement

I understand that I may at any time settle my Credit Agreement with Identity early by paying to Identity the settlement amount owing at the date of settlement. The settlement amount consists of the unpaid principal debt (which amount is the balance owing excluding interest and other charges on my statement) together with any interest or other charges accrued up to the settlement date.
Account Termination by Consumer

I understand that I may at any time terminate my Credit Agreement with Identity by paying to Identity the settlement amount (as referred to above) owing on my Account at the date of termination. If no such amount is owing I understand that I must notify Identity of my intention to terminate the Credit Agreement.
Credit Limit and/orAccount Limit Stipulations by Consumer

I understand further that by written notice to Identity I may at any time reduce the Credit Limit and/or Account Limit applicable to my Credit Facility, or stipulate the Credit Limit and/or Account Limit that I am prepared to accept on the Credit Facility.
Amendments to Agreement

Identity may upon written notice of at least five (5) business days amend these terms and conditions provided that such changes reduce my liability under my Credit Agreement with Identity, and/or automatically increase the Credit Limit applicable to my Credit Facility once annually if so elected by me. Any other changes to my Credit Agreement shall be by mutual agreement between me and Identity and shall be recorded in writing.
Cession of Agreement

Identity shall be entitled, without my knowledge, to cede (transfer) any of its rights and delegate (transfer) any of its obligations in terms of this Credit Agreement to any third party.
Disclosure in Respect of Agreements Concluded Before 1 June 2007

If my Credit Agreement was entered into before 1 June 2007 it is recorded that because the credit granted to me was in the nature of a revolving Credit Facility, the following information is neither currently known nor can it be determined in advance:
1. The selling price of all the merchandise that will be sold to me by Identity over the duration of this revolving Credit Facility.
2. The amount of the other charges referred to in this document that will form part of the balance owing by me.
3. The relevant part of the balance owing by me that constitutes the principal debt.
4. The amount of the interest or finance charges to be charged on the relevant part of the balance owing by me in terms of clause 4 of this document.
5. The rate of interest to be charged, otherwise known as the annual finance charge rate, in terms of clause 4 of this document on the relevant part of the balance owing by me.
6. The dates, number and amounts of the monthly instalments whereby I will be paying the balance owing by me.
Rewards Program

All current account holders and all applicants for accounts (the latter subject to the further terms and conditions herein but irrespective of whether or not the application was successful) are automatically eligible to participate in the Identity Rewards Program.
Severability

In the event any one or more of the provisions contained in this Credit 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 Credit Agreement, which will be construed as if such invalid, illegal or unenforceable provision had never been included, and the Credit Agreement will be given effect as nearly as possible according to its original terms and intent.
Disclosure in Terms of the Consumer Protection Act

Identity acts in South Africa as a representative of Hollard Life Assurance Company Limited and The Hollard Life Insurance Company Limited in the promotion and supply of Account Balance Protection Insurance and Cellphone Insurance respectively. It hereby provides such additional information not set out above, as is required by section 27 of the Consumer Protection Act and regulation 9 of the Regulations thereto.
Identity can be contacted on:
Tel: +27 (0)21 460 2400
Postal Address: PO Box 4775, Cape Town, 8000, South Africa
Fax: +27 (0)21 460 7277
E-mail: services@identity.co.za
Identity’s public officer is Reon Smit, or his successor in title who can be contacted on +27 (0)21 460 7911.

Sale

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Denim

Dresses

Lingerie & Sleepwear

Jackets & Coats

Knitwear

Pants

Shoes

Shorts

Skirts

Tees

Tops

Glam Looks

Winter Checks

Sweats

Fragrances

Sale

Sale

Men

Accessories

Denim

Hoodies & Sweatshirts

Jackets & Coats

Joggers

Pants

Shirts

Shoes

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Tops

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Winter Layering

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Sleepwear & Underwear

Sale

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Kids

2 – 10 Years

9 – 14 Years

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Terms & conditions

Website T&C’s

Website T&C’s

T&C’s for the application and granting of credit and sale

T&C’s for the application and granting of credit and sale

PAY3 T&C’s

PAY3 T&C’s

Layby T&C’s

Layby T&C’s

Loyalty program T&C’s

Loyalty program T&C’s

Returns and exchange policy

Returns and exchange policy

Email disclaimer

Email disclaimer

Privacy policy

Privacy policy

Competition and promo T&C’s

Competition and promo T&C’s

Consumer goods and services ombud

Consumer goods and services ombud

Proatia manual

Proatia manual

Account balance protection - conditional

Account balance protection - conditional