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Imigomo Nemibandela

Updated:
August 19, 2026

Kuvuselelwe futhi kusebenza kusukela: 19 Agasti 2026

  1. Isingeniso
    1. Le mibandela nemigomo esemthethweni (“iMigomo Nemibandela”) ikhishwa yi-Stitch Services Proprietary Limited (“Stitch Services”), umhlinzeki wesikweletu. Lemigomo ilawula indlela uMthengi asebenzisa ngayo umkhiqizo we-Stitch Pay Later: Extend (“uMkhiqizo”) awuthola ku-Stitch Services, kanye namalungu e-Stitch Group asebenzela i-Stitch Services.
    2. I-Stitch Group ihlanganisa i-Stitch Services nazo zonke izinkampani ezihlobene nayo ngezikhathi ezahlukene, kuhlanganise ne-Stitch Money (Pty) Ltd (“i-Stitch Money”). I-Stitch Money isebenza njengomcubunguli wezinkokhelo wesithathu (“TPPP”) egameni le-Stitch Services, lapho ikhokhela abaThengisi imali yesikweletu enikezwe abaThengi futhi iqoqe izitolimende kubaThengi ngaphansi kweGunya Lokukhokha. I-Stitch Money iphinde yenze imibuzo kumahhovisi emininingwane yezikweletu, Ukuhlolwa Kokukwazi Ukukhokha, ukuqinisekisa ubuwena kanye nokuhlolwa kwe-FICA egameni le-Stitch Services, ngaphansi kwezivumelwano amalungu e-Stitch Group anazo namahhovisi emininingwane yezikweletu abhalisiwe, kuhlanganise ne-TransUnion ne-Experian, kanye nabanye abahlinzeki bemininingwane besithathu.
    3. Le Migomo Nemibandela iyingxenye yazo zonke izivumelwano zesikweletu uMthengi azenza ne-Stitch Services ngaphansi koMkhiqizo (“Isivumelwano Sesikweletu”). Ifakwa kuleso sivumelwano ngokomthetho 31(1)(b) we-National Credit Regulations.
    4. Uma igama eliqala ngosonhlamvukazi lisetshenziswa kule Migomo Nemibandela kodwa lingachazwanga lapha, linencazelo enikezwe kulo kwiSivumelwano Sesikweletu noma ku-Quote efanele.
    5. I-Stitch ingabuyekeza le Migomo Nemibandela ngezikhathi ezahlukene. Inguqulo ebuyekeziwe izoshicilelwa kuwebhusayithi yabathengi ye-Stitch, zisho usuku eziqala ukusebenza ngalo, futhi zizobopha uMthengi kusukela ngalolo suku. Uma ukubuyekeza kuthinta kakhulu amalungelo noma izibopho zoMthengi ngaphansi kweSivumelwano Sesikweletu esikhona, i-Stitch izonikeza uMthengi isaziso esibhaliwe okungenani izinsuku zebhizinisi ezi-5 (ezinhlanu) ngaphambi kwalokho nge-imeyili nangesaziso se-portal yewebhu, futhi uMthengi anganqamula ubudlelwano bakhe ne-Stitch ngaphansi kwesigaba 12 ngaphambi kosuku lokuqala ukusebenza uma engakwamukeli ukubuyekezwa. Ukubuyekezwa akusebenzi eSivumelwaneni Sesikweletu esesiphethiwe uma kungathinta okuqukethwe okuphoqelekile kwaleso sivumelwano, futhi izinguquko ezinkulu ezithinta Izivumelwano Zesikweletu ezikhona zingaphansi kwesigaba 104 se-NCA.
    6. Le Migomo Nemibandela kufanele ifundwe kanye neSivumelwano Sesikweletu kanye ne-Qoute efanele. Uma kuba khona ukungqubuzana phakathi kwale Migomo Nemibandela kanye neSivumelwano Sesikweletu, iSivumelwano Sesikweletu siyosebenza futhi sibe namandla kunale Migomo Nemibandela ngokwezinga lalokho kungqubuzana.
    7. I-Stitch Services ibhaliswe njengomhlinzeki wesikweletu ku-National Credit Regulator ngaphansi kwenombolo yokubhalisa NCRCP-23522.
    8. Le Migomo Nemibandela ibopha uMthengi kusukela ngosuku uMthengi awamukela ngalo njengengxenye yenqubo yokubhalisa yakwa-Stitch. Ayoqhubeka ebopha uMthengi sonke isikhathi sobudlelwano boMthengi no-Stitch, kungakhathaliseki ukuthi kukhona noma akukho Sivumelwano Sesikweletu esisebenzayo nganoma yisiphi isikhathi. Le Migomo Nemibandela iyophela kuphela ngendlela ebekwe esigabeni 12 salo mbhalo (Ukuqedwa Kobudlelwano).
  2. Izincazelo
    Kule Migomo Nemibandela, ngaphandle uma umongo usho okuhlukile:
    1. “Inhlangano ehlobene” kusho, mayelana nanoma iyiphi inkampani, enye inkampani elawula leyo nkampani, elawulwa yiyo, noma elawulwa ngaphansi komlawuli ofanayo nayo. “Ukulawula” lapha kusho ukuba nobunikazi obuqondile noma obungaqondile obungaphezu kuka-50% wamasheya anelungelo lokuvota noma izabelo zenkampani, noma amandla okuqondisa noma okubangela ukuqondiswa kwabaphathi noma kwezinqubomgomo zenkampani, kungaba ngobunikazi, ngenkontileka noma ngenye indlela;
    2. “Ukuhlolwa Kwamandla Okukhokha” kusho ukuhlolwa i-Stitch Services okufanele ikwenze ngaphansi kwesigaba 81 se-NCA noMthetho 23A ngaphambi kokunikeza isikweletu;
    3. “Usuku Lwebhizinisi” kusho noma yiluphi usuku olungelona uMgqibelo, iSonto noma iholide lomphakathi eNingizimu Afrika;
    4. “Ukubuyiselwa kwenkokhelo” kusho ukubuyiselwa emuva kwenkokhelo eyenziwe kuMthengisi ngeNtengiselwano, okuqalwa yi-Stitch Services, isebenzisa i-Stitch Money njenge-TPPP, ngemva kwengxabano, ukutholakala kokukhwabanisa noma ukwephulwa komthetho nguMthengisi;
    5. “UMthengi” kusho umuntu wemvelo ofake isicelo futhi osebenzisa uMkhiqizo;
    6. “Isivumelwano Sesikweletu” kusho i-Stitch Pay Later: Extend Isivumelwano Sesikweletu esenziwa phakathi kwe-Stitch Services noMthengi ngeNtengiselwano eyodwa ngaphansi koMkhiqizo;
    7. "Imali Yokuqalisa" kusho imali yokuqalisa eshiwo kwi-Quote, ekhokhwa ngokuhlukile futhi kusengaphambili nguMthengi ngemali esicacile ngaphambi kokuba isimo esimisiwe saneliswe, futhi engafakwa kwiSikweletu Esiyinhloko;
    8. “Isitolimende” kusho inkokhelo yanyanga zonke uMthengi okufanele ayikhokhele i-Stitch Services ngaphansi kweSivumelwano Sesikweletu. Inani lezitolimende, imali, ukuthi zikhokhwa kangaki, kanye nezinsuku zokukhokha kubhalwe kwi-Quote efanele;
    9. “Idiphozithi” kusho, lapho i-Quote isho ukuthi kudingeka idiphozithi ngeNtengiselwano ethile, imali ekhokhwa nguMthengi njengengxenye yakhe yentengo ephelele yokuthenga, ehlukile esikweletini esinikezwe ngaphansi kweSivumelwano Sesikweletu. Umkhiqizo ungasebenza kudingeka idiphozithi noma ingadingeki. I-Quote izosho ukuthi idiphozithi iyadingeka yini;
    10. “UMthengisi” kusho uMthengisi obamba iqhaza kuMkhiqizo, lapho uMthengi ethenga khona izimpahla noma izinsizakalo;
    11. “I-NCA” kusho i-National Credit Act 34 ka-2005;
    12. “Igunya Lokukhokha” kusho imvume yokukhokha ephindaphindayo enikezwa nguMthengi ku-Stitch, esebenzisa i-Stitch Money njenge-TPPP, ukuze kuqoqwe Isitolimende ngasinye. Lokhu kungaba (a) imvume yokudonswa kwemali ekhadini lokukhokha elikhethwe nguMthengi; noma (b) imvume ye-DebiCheck yokudonswa kwemali nyanga zonke kwi-akhawunti yasebhange ekhethwe nguMthengi, esimweni ngasinye njengoba kubhalwe ku-Quote futhi kungashintshwa ngaphansi kweSivumelwano Sesikweletu;
    13. “POPIA” kusho i-Protection of Personal Information Act 4 ka-2013;
    14. “Imali Ebonisiwe Ngaphambi Kokugunyazwa” kusho imali eboniswa kuMthengi ngemva Kokuhlolwa Kokukwazi Ukukhokha. Lokhu akusona isipho sesikweletu futhi akuphoqi i-Stitch Services ukuthi inikeze isikweletu;
    15. "Isikweletu Esiyinhloko" kusho imali yesikweletu i-Stitch Services eyinika uMthengi, njengoba kubhalwe ku-Quote. Lena yimali eyisisekelo okubalelwa kuyo inzalo, imali yensizakalo yanyanga zonke kanye nanoma yiziphi ezinye izindleko ezivunyelwe ngaphansi kwe-NCA;
    16. “Inqubomgomo Yobumfihlo” kusho i-Stitch Privacy Policy etholakala ku-https://stitch.money/legal/privacy-policy;
    17. “I-Quote” kusho i-Pre-Agreement Statement kunye ne-Quotation enikezwa uMthengi ngeNtengiselwano ethile;
    18. “Imbuyiselo” kusho ukubuyiselwa emuva kweNtengiselwano yonke noma ingxenye yayo ngemva kokuba uMthengi ebuyisele izimpahla noma izinsizakalo kuMthengisi ngokwenqubomgomo yokubuyisela yoMthengisi noma ngokomthetho osebenzayo;
    19. “Stitch” kusho, lapho umongo uvuma khona, i-Stitch Services noma ilungu elinye le-Stitch Group elisebenza egameni le-Stitch Services;
    20. “Stitch Group” kusho i-Stitch Services nazo zonke Izinkampani Ezihlobene nayo ngezikhathi ezahlukene, kuhlanganise ne-Stitch Money;
    21. “Stitch Money” kusho i-Stitch Money (Pty) Ltd, inombolo yokubhalisa 2018/409288/07, okuyiNkampani Ehlobene ne-Stitch Services;
    22. “Stitch Services” kusho i-Stitch Services Proprietary Limited, okuwumhlinzeki wesikweletu;
    23. “TPPP” kusho umcubunguli wezinkokhelo wangaphandle; futhi
    24. “INtengiselwano” kusho ukuthenga okukodwa okwenziwa nguMthengi kuMthengisi, okuxhaswa ngezimali yi-Stitch Services ngaphansi koMkhiqizo.
  3. Umkhiqizo
    1. Umkhiqizo uvumela uMthengi ukuthi axhase ukuthenga kuMthengisi ngezitolimende. INtengiselwano ngayinye iyiSivumelwano Sesikweletu esizimele. Umkhiqizo awusona isikhungo sesikweletu, umugqa wesikweletu noma i-akhawunti yesikweletu ejikelezayo. Akukho mngcele wesikweletu ogunyazwe kusengaphambili ongaphinde usetshenziswe. INtengiselwano ngayinye iyahlolwa ngokwehlukana futhi ibhalwe ngokwehlukana.
    2. Isikweletu esinikezwa ngeNtengiselwano sikhokhwa yi-Stitch ngqo kuMthengisi. Asikhokhelwa kunoma iyiphi i-akhawunti noma isikhwama semali sikaMthengi.
    3. Izimali Ezibonisiwe Ngaphambi Kokugunyazwa ezaziswa kuMthengi ziyizinkomba kuphela futhi aziphoqi i-Stitch ukuthi inikeze isikweletu.
  4. Ukufaneleka nokufaneleka kwangaphambilini
    1. Ukuze asebenzise uMkhiqizo, uMthengi kufanele:
      1. abe umuntu wemvelo, oneminyaka okungenani engu-18;
      2. abe nomazisi waseNingizimu Afrika osebenzayo;
      3. abe ne-akhawunti yasebhange egameni lakhe ebhange laseNingizimu Afrika elibhalisiwe;
      4. angabi ngaphansi kokubuyekezwa kwezikweletu, ukuphathwa kwezikweletu noma ukususwa kwempahla ngenxa yezikweletu; futhi
      5. aphumelele ukuhlolwa kwe-Stitch kokuqinisekisa ubuwena, i-FICA kanye nezikweletu.
    2. I-Stitch ingasenqaba noma yisiphi isicelo noma isicelo sokuhlolwa kwangaphambi kokugunyazwa ngokubona kwayo. Uma isinqumo sisekelwe emininingwaneni engemihle yesikweletu, i-Stitch izotshela uMthengi ukuthi leyo mininingwane ivela kuphi, ngokuhambisana nesigaba 62 se-NCA.
  5. Ukuqeda iNtengiselwano
    1. NgeNtengiselwano ngayinye:
      1. uMthengi ukhetha inani lokuthenga kuMthengisi kanye nesikhathi sokukhokha asithandayo;
      2. i-Stitch inikeza uMthengi i-Quote njengoba kudingwa yi-NCA;
      3. i-Quote ibopha i-Stitch izinsuku zebhizinisi ezi-5 (ezinhlanu) kusukela ikhishwe;
      4. uma uMthengi emukela i-Quote, unikezwa iSivumelwano Sesikweletu kanye neMigomo Nemibandela esebenzayo ngaleso sikhathi, okuyingxenye yeSivumelwano Sesikweletu, ukuze ayamukele ngokumaka ibhokisi;
      5. uMthengi ukhokha kusengaphambili Imali Yokuqalisa, futhi lapho i-Quote isho khona ukuthi kudingeka idiphozithi, ukhokha neDiphozithi ngemali esicacile; futhi
      6. uma isimo esimisiwe sesanelisiwe, i-Stitch ikhokhela uMthengisi ngqo inani eliphelele lokuthenga, elihlanganisa iDiphozithi, uma ikhona, kanye neSikweletu Esiyinhloko.
    2. Ukukhokhwa kweMali Yokuqalisa ekhokhwa kusengaphambili kanye nanoma iyiphi iDiphozithi kuqoqwa njengengxenye yenqubo efanayo yokukhokha lapho uMthengi emukela iSivumelwano Sesikweletu kanye neMigomo Nemibandela esebenzayo ngaleso sikhathi ngokumaka ibhokisi. Uma imali esicacile ingatholakali njengengxenye yaleyo nqubo yokukhokha efanayo, isimo esimisiwe asigcwaliseki, iSivumelwano Sesikweletu siyawa, akukho zindleko eziqalayo, futhi noma iyiphi imali etholiwe ibuyiselwa endleleni yokukhokha kaMthengi zingakapheli izinsuku zebhizinisi ezi-5 (ezinhlanu).
  6. Ukubuyiselwa kwezimpahla, izimbuyiselo kanye nokubuyiselwa kwenkokhelo
    1. I-Stitch ingumhlinzeki wesikweletu, hhayi uMthengisi. I-Stitch ayithengisi, ayilethi, ayiqinisekisi futhi ayenzi isiqinisekiso ngezimpahla noma izinsizakalo ezithengwa ngoMkhiqizo. Amalungelo nezibopho zikaMthengi mayelana nezimpahla noma izinsizakalo, kuhlanganise nokulethwa, amaphutha, iziqinisekiso kanye nelungelo likaMthengi lokubuyisa, kulawulwa yimigomo yokuthengisa yoMthengisi, i-Consumer Protection Act 68 ka-2008, kanye nanoma yimuphi omunye umthetho osebenzayo.
    2. Ukubuyiselwa kwezimpahla kanye nezimbuyiselo
      1. Uma uMthengi ebuyisela izimpahla, noma ingxenye yazo, kuMthengisi ngokwenqubomgomo yokubuyisa yoMthengisi noma njengoba kudingwa ngumthetho osebenzayo, uMthengi kufanele azise i-Stitch ngewebhusayithi yabathengi ye-Stitch noma nge-imeyili ku- support@stitch.money ngokushesha lapho isicelo sokubuyisa senziwe.
      2. Lapho uMthengisi amukela ukubuyiselwa okuphelele noma okuyingxenye, uMthengisi uzokweleta i-Stitch ngokufanele. Uma i-Stitch isithole leyo mali, izo- (i) khokha ngokugcwele iSikweletu Esiyinhloko esisele ngaphansi kweSivumelwano Sesikweletu, (ii) buyisela kuMthengi noma yiziphi izinkokhelo zesikweletu esiyinhloko asezikhokhile ngaphansi kweSivumelwano Sesikweletu, futhi (iii) buyisela kuMthengi noma iyiphi idiphozithi ayikhokhile mayelana neNtengiselwano. Uma kufanele, i-Stitch izonqamula iSivumelwano Sesikweletu futhi iqinisekise ukukhokhwa ngokugcwele kuMthengi ngokubhala. Izimbuyiselo zikhokhelwa kwi-akhawunti yasebhange ekhethwe nguMthengi zingakapheli izinsuku zebhizinisi ezi-14 (eziyishumi nane) kusukela i-Stitch ithole imali kuMthengisi.
      3. Uma kubuyiselwa ingxenye kuphela, uMthengisi uzokweleta i-Stitch ngenani lengxenye ebuyisiwe. I-Stitch izosebenzisa leyo mali kuqala ukwehlisa iSikweletu Esiyinhloko esisele ngaphansi kweSivumelwano Sesikweletu. Noma iyiphi ingxenye yemali eyeqa iSikweletu Esiyinhloko esisele izobuyiselwa kuMthengi, futhi lapho kufanele khona, nengxenye efanele yeDiphozithi, zingakapheli izinsuku zebhizinisi ezi-10 (eziyishumi). UMthengi uyaqhubeka nokukhokha izitolimende ezisele ngokususelwa esikweletini esiyinhloko esesehlisiwe.
      4. Lapho uMthengisi egcina noma iyiphi ingxenye yenani eliphelele lokuthenga ngaphansi kwenqubomgomo yakhe yokubuyisa, ngokwesibonelo imali yokubuyisela esitokweni noma imali edonswa ngenxa yomonakalo, leyo ngxenye ayibuyiselwa kuMthengi futhi izodonswa emalini ebuyiswayo ngaphansi kwalesi sigaba ngale ndlela: kuqala kunoma iyiphi imbuyiselo yeDiphozithi, bese kuphela ngemva kwalokho emalini ebuyiselwa yezinkokhelo zesikweletu esiyinhloko.
    3. Izinto ezingabuyiselwa imali
      1. Imali Yokuqalisa ayibuyiselwa ngaphansi kwanoma yisiphi isimo uma isimo esimisiwe sesanelisiwe. Imali Yokuqalisa ikhokhela izindleko zokungena eSivumelwaneni Sesikweletu, i-Stitch ezithwalayo lapho kuqedwa iSivumelwano Sesikweletu, futhi lezo zindleko azibuyiselwa emuva ngokubuyiswa kwezimpahla kamuva.
      2. Izimali zensizakalo zanyanga zonke esezikhokhisiwe azibuyiselwa. Imali yensizakalo ikhokhela izindleko zokuphatha iSivumelwano Sesikweletu inyanga ngayinye esisebenze ngayo, futhi leyo nsizakalo isivele inikeziwe.
      3. Inzalo esivele iqoqekile kuze kufike ngosuku uMthengisi akhokhela ngalo i-Stitch ayibuyiselwa. Inzalo ngemva kwalolo suku iyayeka ukuqoqeka eSikweletini Esiyinhloko esinciphisiwe noma esiphelisiwe.
      4. IDiphozithi, uma ikhona, yimali kaMthengi uqobo esetshenziswe ekuthengeni. Ibuyiselwa kuMthengi uma kubuyiswa konke futhi uMthengisi ekhokhela i-Stitch inani eliphelele lokuthenga, kuncike kunoma yikuphi ukudonswa kwemali uMthengisi akugodlayo ngaphansi kwenqubomgomo yakhe yokubuyisa. Uma kubuyiselwa ingxenye kuphela, iDiphozithi ibuyiselwa ngokulingana nengxenye efanele lapho imali ekhokhwa nguMthengisi yeqa iSikweletu Esiyinhloko esisele.
      5. Uma iSivumelwano Sesikweletu sikhokhwa ngokugcwele ngenxa yokubuyiselwa kwezimpahla, uMthengi ngeke akhokhiswe enye imali yensizakalo noma inzalo, kodwa izimali zensizakalo nenzalo esezikhokhisiwe ngaphambi kokukhokhwa ngokugcwele zisalokhu zikhokhwa.
    4. Imbuyiselo isalindile; isibopho sokukhokha siyaqhubeka
      1. Kuze kube i-Stitch isithole imali kuMthengisi mayelana nokubuyiswa kwezimpahla, isibopho sikaMthengi sokukhokha Isitolimende ngasinye ngaphansi kweSivumelwano Sesikweletu ngosuku okufanele sikhokhwe ngalo siyaqhubeka. UMthengi akufanele ayeke ukukhokha ecabanga ukuthi ukubuyisa kuzoholela ekukhanselweni kwezitolimende zesikhathi esizayo.
      2. Uma imbuyiselo icutshungulwa phakathi nenyanga futhi Isitolimende sesiqoqiwe kuleyo nyanga, i-Stitch izosebenzisa imbuyiselo kuqala ezitolimendeni ezilandelayo okufanele zikhokhwe, noma kunoma yiziphi izikweletu ezisilele emuva, bese ibuyisela noma iyiphi imali esele ku-akhawunti yasebhange ekhethwe nguMthengi zingakapheli izinsuku zebhizinisi ezi-10 (eziyishumi).
    5. Ukubuyiselwa kwenkokhelo nezingxabano noMthengisi
      1. Uma uMthengi ephikisa iNtengiselwano noMthengisi, ngokwesibonelo ngenxa yokungalethwa kwezimpahla, izimpahla ezinephutha, izimpahla ezingahambisani nencazelo, noma ukuthenga okungagunyaziwe, uMthengi kufanele aqale aphakamise ingxabano noMthengisi, ngokwemigomo yokuthengisa yoMthengisi kanye ne-Consumer Protection Act.
      2. UMthengi kufanele azise i-Stitch nganoma iyiphi ingxabano enjalo ngokushesha lapho eyiphakamisa noMthengisi, nge-app ye-Stitch noma nge-imeyili ku- compliance@stitch.money. I-Stitch ingasiza ekuxazululeni ingxabano, kodwa ayiphoqelekile ukwenza kanjalo.
      3. Ngesikhathi kunengxabano noMthengisi, izibopho zikaMthengi zokukhokha i-Stitch ngaphansi kweSivumelwano Sesikweletu ziyaqhubeka. UMthengi kufanele aqhubeke nokukhokha Isitolimende ngasinye ngosuku okufanele sikhokhwe ngalo kuze kuxazululwe ingxabano futhi i-Stitch ithole imali.
      4. Uma uMthengisi emukela ingxabano futhi ekhokhela i-Stitch, leyo mali izosetshenziswa eSivumelwaneni Sesikweletu ngendlela efanayo neMbuyiselo ngaphansi kwesigaba 6.2 ngenhla. Imali Yokuqalisa, izimali zensizakalo kanye nenzalo esezikhokhisiwe zisalokhu zikhokhwa ngendlela efanayo neMbuyiselo.
      5. Uma uMthengisi eyenqaba ingxabano, uMthengi angayiqhubekisela phambili ngqo noMthengisi ngokusebenzisa ezinye izindlela zokuxazulula izingxabano, i-Consumer Goods and Services Ombud, i-National Consumer Commission noma enye inkundla efanele. I-Stitch ayiyona ingxenye yalezo zinqubo.
      6. Lapho i-Stitch inezizathu ezizwakalayo zokusola ukukhwabanisa noma ukusetshenziswa okungagunyaziwe, i-Stitch ingaqalisa Ukubuyiselwa Kwenkokhelo kuMthengisi ngaphansi kwemithetho efanele yohlelo lokukhokha. Indlela yokubuyisa imali ifana neMbuyiselo.
    6. Ukubuyiselwa kwenzalo engakatholakali lapho kukhokhwa kusenesikhathi
      Akukho kulokhu okukhawulela ilungelo likaMthengi ngaphansi kwesigaba 125 se-NCA lokukhokha iSivumelwano Sesikweletu nganoma yisiphi isikhathi futhi akhokhe kuphela inzalo eqoqekile kuze kufike ngosuku lokukhokha ngokugcwele.
  7. Ukubuyekezwa kwezikweletu
    1. UMthengi unelungelo lokufaka isicelo kumeluleki wezikweletu obhalisiwe nganoma yisiphi isikhathi ukuze kuthiwe unezikweletu eziningi kakhulu, ngokwesigaba 86 se-NCA.
    2. Inqubo yokubuyekezwa kwezikweletu iqala lapho umeluleki wezikweletu ethumela isaziso se-Form 17.1 ku-Stitch. I-Stitch, ngaphakathi kwezikhathi ezibekiwe, izonikeza umeluleki wezikweletu isitifiketi sebhalansi.
    3. Uma kuvunyelwana noma kuyaliwe ukuhlelwa kabusha kokukhokhwa kwezikweletu, i-Stitch izosebenzisa uhlelo lokukhokha oluhlelwe kabusha futhi ilungise izinhlelo zokuqoqa imali ngokufanele.
    4. Uma uMthengi efaka isicelo sokubuyekezwa kwezikweletu eSivumelwaneni Sesikweletu esivele sisenkantolo noma esilindele ukulalelwa, isimo esikuSigaba 86(2) se-NCA sizosebenza.
    5. Uma uMthengi esengaphansi kokubuyekezwa kwezikweletu lapho ehluleka ukukhokha, i-Stitch izolandelana nenqubo yesigaba 86(10) yokunqamula ukubuyekezwa kwezikweletu lapho kufanele khona, ngesaziso esibhaliwe okungenani sezinsuku zebhizinisi ezingama-60 (ezingamashumi ayisithupha).
  8. Imvume nolwazi lomuntu siqu
    1. I-Stitch Services iyinhlangano ebhekele ulwazi lomuntu siqu, njengoba kuchazwe ku-POPIA, mayelana nolwazi lomuntu siqu lukaMthengi olucutshungulwa ngaphansi noma ekusekeleni noma yisiphi iSivumelwano Sesikweletu. Amanye amalungu e-Stitch Group, kuhlanganise ne-Stitch Money, acubungula ulwazi lomuntu siqu lukaMthengi njengabasebenzi egameni le-Stitch Services, noma ngenye indlela echazwe kuNqubomgomo Yobumfihlo. INqubomgomo Yobumfihlo ichaza izinhloso zokucubungula, abamukeli bolwazi, kuhlanganise namahhovisi emininingwane yezikweletu, uMthengisi ukuze kuqedelwe ukuthenga, abacubunguli bezinkokhelo nabahlinzeki bezinsizakalo abagunyaziwe be-Stitch, noma yikuphi ukudluliselwa kolwazi kwamanye amazwe, izikhathi zokulugcina, amalungelo kaMthengi njengomuntu okungolwakhe ulwazi, kanye nemininingwane yokuxhumana ye-Information Regulator.
    2. UMthengi uyavuma ukuthi i-Stitch Services kanye nanoma yiliphi elinye ilungu le-Stitch Group elisebenza egameni layo lingakwazi:
      1. ukuqinisekisa ubuwena bukaMthengi nokwenza ukuhlolwa kokukhwabanisa kanye ne-FICA, kuhlanganise nokubheka imithombo yolwazi yesithathu;
      2. ukwenza imibuzo kumahhovisi emininingwane yezikweletu ngoMthengi lapho ebhalisa futhi ngeNtengiselwano ngayinye ngesikhathi sobudlelwano, kuhlanganise nemibuzo eyenziwa yi-Stitch Money ngaphansi kwezivumelwano zayo ne-TransUnion, i-Experian kanye namanye amahhovisi emininingwane yezikweletu abhalisiwe;
      3. ukwenza Ukuhlolwa Kokukwazi Ukukhokha ngokuhambisana nesigaba 81 se-NCA noMthetho 23A;
      4. ukubika ukuba khona nokusebenza kweSivumelwano Sesikweletu ngasinye emahhovisi emininingwane yezikweletu abhalisiwe;
      5. ukuqoqa Izitolimende ngaphansi kweGunya Lokukhokha, kuhlanganise ne-Stitch Money esebenza njenge-TPPP egameni le-Stitch Services;
      6. ukucubungula izinkokhelo eziya kuMthengisi nezivela kuMthengisi mayelana nanoma iyiphi iNtengiselwano, kuhlanganise ne-Stitch Money esebenza njenge-TPPP egameni le-Stitch Services;
      7. ukwabelana ngoMthengisi ngolwazi olufanele lweNtengiselwano ngenhloso yokuqedela ukuthenga, ukubuyiselwa kwezimpahla kanye nokucubungula ukubuyiselwa kwenkokhelo; futhi
      8. ukucubungula ulwazi lomuntu siqu lukaMthengi ngezinhloso zokusebenza ezibekwe kuNqubomgomo Yobumfihlo.
    3. Ukuqinisekisa ngobuchwepheshe bomzimba — ukubona ubuso
      1. UMthengi unikeza imvume ecacile neqondile, ngokwesigaba 27(1)(a) se-POPIA, yokuthi i-Stitch, nanoma yiliphi elinye ilungu le-Stitch Group elisebenza egameni le-Stitch Services, kanye nanoma yimuphi umhlinzeki wensizakalo yokuqinisekisa ngobuchwepheshe bomzimba oqashwe yi-Stitch, bacubungule ulwazi lobuso bukaMthengi olusetshenziswa ukuqinisekisa umuntu. Lokhu kwenzelwa: (a) ukuqinisekisa ubuwena bukaMthengi lapho ebhalisa; (b) ukuphinde kuqinisekiswe ubuwena ngeNtengiselwano ngayinye nangezinye izikhathi ebudlelwaneni lapho i-Stitch ikudinga ngokufanele, njengokuvimbela ukukhwabanisa noma uma kushintsha kakhulu izinga lobungozi; (c) ukuthola nokuvimbela ukukhwabanisa ngobuwena nokusetshenziswa koMkhiqizo ngaphandle kwemvume; kanye (d) nokuhambisana ne-FICA neminye imithetho esebenzayo.
      2. Ulwazi lobuso bukaMthengi olusetshenziswa ukuqinisekisa umuntu lucutshungulwa futhi lugcinwe ngokweNqubomgomo Yobumfihlo, futhi alwabelwana nanoma yiliphi iqembu ngaphandle komhlinzeki wensizakalo yokuqinisekisa ngobuchwepheshe bomzimba we-Stitch kanye neziphathimandla zokuphoqelela umthetho lapho kudingwa ngumthetho.
      3. UMthengi angayihoxisa le mvume ngokunikeza i-Stitch isaziso esibhaliwe, kodwa i-Stitch inganqaba ukuqhubeka nokunikeza uMthengi uMkhiqizo uma ukuqinisekiswa ngobuchwepheshe bomzimba kungasakwazi ukwenziwa.
    4. UMthengi uyavuma futhi ukuthi amalungu e-Stitch Group angabelana ngolwazi lomuntu siqu phakathi kwawo lapho kudingeka khona ukuze enze imisebenzi yawo ngaphansi kweSivumelwano Sesikweletu noma ukweseka leso Sivumelwano.
    5. I-Stitch Services ne-Stitch Money zibika kulawa mahhovisi emininingwane yezikweletu abhalisiwe: TransUnion (South Africa) Proprietary Limited kanye ne-Experian South Africa Proprietary Limited.
    6. UMthengi angasebenzisa amalungelo akhe ngaphansi kwe-POPIA, kuhlanganise nelungelo lokuthola ulwazi, ukulungisa ulwazi, ukuphikisa ukucutshungulwa kolwazi nokucela ukususwa kolwazi, futhi angafaka izikhalazo ku-Information Regulator njengoba kuchazwe kuNqubomgomo Yobumfihlo.
  9. Imiyalezo yokumaketha
    1. Imvume yokumaketha ithathwa ngokuhlukile ekwamukeleni kukaMthengi kwale Migomo Nemibandela nasekusayineni kwanoma yisiphi iSivumelwano Sesikweletu. UMthengi angakhetha ukwamukela noma ukwenqaba imiyalezo yokumaketha nganoma yisiphi isikhathi, ngesiteshi ngasinye ngokuhlukile, njenge-imeyili, i-SMS noma izaziso eziphushwayo, ngewebhusayithi yabathengi ye-Stitch noma ngokubhala ku- support@stitch.money.
    2. Ukwenqaba imiyalezo yokumaketha akuthinti amalungelo noma izibopho zikaMthengi ngaphansi kwanoma yisiphi iSivumelwano Sesikweletu.
    3. Imiyalezo yokumaketha ithunyelwa ngokuhambisana nesigaba 69 se-POPIA kanye nesigaba 45 se-Electronic Communications and Transactions Act 25 ka-2002.
  10. Ukushintshwa kwemigomo nezaziso
    1. I-Stitch ingashintsha le Migomo Nemibandela ngokuhambisana nesigaba 1.5. Uma ushintsho luthinta kakhulu iSivumelwano Sesikweletu esikhona, isigaba 104 se-NCA siyasebenza futhi i-Stitch izonikeza uMthengi isaziso esibhaliwe okungenani izinsuku zebhizinisi ezi-5 (ezinhlanu) ngaphambi kwalokho.
    2. Izaziso eziya kuMthengi zizothunyelwa ekhelini le-imeyili nasenombolweni yeselula ebhalwe njengezindawo ezikhethiwe zikaMthengi zokuthola izaziso eSivumelwaneni Sesikweletu.
    3. Izaziso eziya ku-Stitch kufanele zithunyelwe ku- legal@stitch.money noma ehhovisi elibhalisiwe le-Stitch.
  11. Izikhalazo
    1. Izikhalazo zingafakwa okokuqala ngewebhusayithi yabathengi ye-Stitch, ngokuthumela i-imeyili ku- support@stitch.money, noma ngokushayela ulayini wosizo we-Stitch. I-Stitch izoqinisekisa ukuthi isitholile isikhalazo zingakapheli izinsuku zebhizinisi ezi-2 (ezimbili) futhi izozama ukusixazulula zingakapheli izinsuku zebhizinisi ezi-10 (eziyishumi).
    2. Uma uMthengi enganelisekile ngempendulo ye-Stitch, angadlulisela isikhalazo ku-Credit Ombud (www.creditombud.org.za, 0861 662 837), ku-National Credit Regulator (www.ncr.org.za, 0860 627 627), noma ngokufaka isicelo ku-National Consumer Tribunal (www.thenct.org.za, 012 683 8140). UMthengi angaphinde aye enkantolo yabathengi, kumenzeli wokuxazulula izingxabano ngenye indlela ngaphandle kwenkantolo, noma kwenye i-ombud enegunya.
  12. Ukunqanyulwa kobudlelwano
    1. UMthengi anganqamula ubudlelwano bakhe ne-Stitch nganoma yisiphi isikhathi, uma kungekho Sivumelwano Sesikweletu esisavulekile noma esingakakhokhwa. Uma kukhona iSivumelwano Sesikweletu esisavulekile, amalungelo kaMthengi okukhokha ngokugcwele nokunqamula leso Sivumelwano Sesikweletu achazwe eSivumelwaneni Sesikweletu.
    2. I-Stitch ingamisa okwesikhashana noma ivale i-akhawunti kaMthengi nganoma yisiphi isikhathi ngemva kokunikeza isaziso esibhaliwe esifanele, ngaphandle uma i-Stitch inelungelo lokwenza ngokushesha, njengalapho kusolwa ukukhwabanisa, ukwephulwa kwemithetho yezijeziso, noma ukwephulwa kweziqinisekiso zikaMthengi noma olunye uhlelo olubalulekile lweSivumelwano Sesikweletu. Ukumiswa noma ukuvalwa kwe-akhawunti akuthinti amalungelo nezibopho zanoma yiliphi iqembu ngaphansi kwanoma yisiphi iSivumelwano Sesikweletu esisasebenza.
  13. Ukusayina ngogesi namarekhodi
    1. UMthengi uyavuma ukuthi noma iyiphi i-Quote, iSivumelwano Sesikweletu, le Migomo Nemibandela, isaziso noma omunye umyalezo kungakhishwa, kusayinwe noma kulethwe ngogesi. IziNhlangothi ziyavuma ngaphansi kwesigaba 13(3) se-Electronic Communications and Transactions Act 25 ka-2002 ukuthi izindlela ezisetshenziswa yi-Stitch, okuwukwamukela ngokumaka ibhokisi, ukuqinisekiswa ngobuchwepheshe bomzimba lapho kubhaliswa, isikhathi sokungena esiqinisekisiwe kanye nomkhondo wokuhlola, ziyanelisa noma iyiphi imfuneko yokuthi idokhumenti isayinwe.
    2. I-Stitch igcina i-PDF ekhiqiziwe yeSivumelwano Sesikweletu ngasinye ne-Quote ngayinye, kanye nomkhondo wokuhlola wokwamukela, isikhathi esidingwa yisigaba 170 se-NCA.
  14. Okuvamile
    1. Isivumelwano esiphelele: le Migomo Nemibandela, kanye ne-Quote efanele neSivumelwano Sesikweletu, kwakha sonke isivumelwano phakathi kwe-Stitch noMthengi mayelana noMkhiqizo nanoma iyiphi iNtengiselwano.
    2. Ukukhawulelwa kwesibopho: ngokwezinga eliphezulu elivunyelwe ngumthetho, isibopho se-Stitch sonke kuMthengi ngaphansi noma mayelana nale Migomo Nemibandela, uMkhiqizo noma noma yiluphi udaba oluphathelene nobudlelwano phakathi kwe-Stitch noMthengi, ngaphandle kwesibopho ngaphansi kweSivumelwano Sesikweletu esithile, sikhawulelwe enanini eliphelele lezimali nezimali zenzalo ezikhokhwe nguMthengi ku-Stitch ngaphansi koMkhiqizo ezinyangeni ezi-12 (eziyishumi nambili) ezandulela isigameko esidale isibopho, ngaphandle kwesibopho esingenakukhawulelwa ngokomthetho.
    3. Ukuhlukaniseka kwemigomo: uma noma yisiphi isiqondiso saleMigomo Nemibandela sitholakala singavumelekile noma singaphoqeleleki, sizohlukaniswa naleMigomo Nemibandela, kanti ezinye iziqondiso ziqhubeke zisebenza ngokugcwele.
    4. Akukho ukuyekwa kwelungelo: uma i-Stitch ingaphoqeleli noma yisiphi isiqondiso, lokho akusho ukuthi isiyekile lelo lungelo futhi akuvimbeli i-Stitch ukuthi iliphoqelele kamuva.
    5. Ukubekezela noma ukunikeza isikhathi: noma yikuphi ukubekezela noma ukunikeza isikhathi i-Stitch engakunikeza uMthengi akusho ukuthi i-Stitch isiyekile noma yiliphi ilungelo, futhi akuvimbeli i-Stitch ukuthi kamuva idinge ukuthi uMthengi alandele imigomo ngokugcwele.
    6. Umthetho osebenzayo: leMigomo Nemibandela kanye nanoma iyiphi i-Quote noma iSivumelwano Sesikweletu kulawulwa yimithetho yaseNingizimu Afrika.
    7. Amakhophi ahlukene: noma iyiphi idokhumenti edingeka ukuthi isayinwe amaqembu ingasayinwa ngamakhophi ahlukene, kuhlanganise namakhophi kagesi; ikhophi ngayinye ibhekwa njengeyokuqala, futhi wonke lawo makhophi ndawonye akha idokhumenti eyodwa.
  15. Ukuvuma
    Ngokwamukela inqubo yokubhalisa ye-Stitch, futhi futhi lapho kuqedwa iSivumelwano Sesikweletu ngasinye, uMthengi uyaqinisekisa ukuthi uyitholile le Migomo Nemibandela, uyavuma ukuthi ube nethuba elanele lokuyifunda nokuyiqonda, futhi uyavuma ukuboshwa yiyo. Ukwamukela kukaMthengi ngogesi kugcinwa kumkhondo wokuhlola ochazwe esigabeni 13.