1.1. Jet Club is run and managed by Foschini Retail Group (Pty) Ltd (“TFG” / “we” / “our”), registration no. 1988/007302/07.

1.2. TFG, its affiliates, organisers, promoters, partners and agencies are not responsible for any loss, damage, injury, accident or death that may arise from your inclusion or participation in Jet Club.

1.3. “You” and “your” means the Jet Club subscriber.

1.4. TFG Money Account holders can sign up for a Jet Club subscription which will be billed to your TFG Money Account at a rate of R48.00 monthly. We reserve the right to increase the subscription amount at any time, and will advise you of this.

1.5. All Jet Club benefits, other than the funeral benefit, are made available to you immediately upon acceptance of your Jet Club subscription.

1.6. TFG Money Account payments must be up-to-date to claim benefits.

1.7. We will only be liable to make benefit payments to you if you access these benefits through the Jet Club Helpline (SA 0800 00 45 45).

1.8. We reserve the right to reserve benefits, other than the funeral benefit, at any time and without prior notification to you.

1.9. We may, from time to time, share your personal information with selected third parties, including Guardrisk Life Limited, see clause 2 below, to administer your funeral benefit and process your Jet Club benefits. Please consult your funeral benefit policy and disclosure notice for more details on who we can share your and your partner’s (where applicable) personal information with, in relation to the funeral benefit.

1.10. We reserve the right to make changes to these terms and conditions in our sole discretion and without prior notification to you (with the exception of the funeral benefit terms and conditions where we will give you 31 days’ notice of any changes).

1.11. You can cancel your Jet Club subscription within 31 days from date of commencement of your subscription. Should you elect to cancel within this time, then your TFG Money Account will be credited from date of commencement of your subscription, provided that you have not claimed against any of the Jet Club benefits. If you wish to cancel your Jet Club subscription, you need to call TFG’s Customer Service Department on +27 860 834 834 and select option 4.

1.12. Certain Jet Club benefits are provided directly by the relevant service providers and not by Jet Club/TFG.

1.13. We reserve the right to cancel Jet Club at any time and, in such an event, we will notify you.

1.14. In the event that (i) your magazine cannot be delivered to your chosen address, whether due to inability of the South African Post Office or any other service provider, or for any reason whatsoever, or (ii) if we decide to change the magazine format from a print to a digital magazine, we will commence with sending your monthly magazine digitally in the form of a “digimag”. In such an event, we will bill you an adjusted amount for the digimag. You will also be advised of the change and will have the right to cancel your magazine subscription should you not wish to receive a monthly digimag.

The optional Jet Club subscription includes a funeral benefit which is a life insurance benefit. If you die, R3 500 will be paid to your beneficiary. If you have nominated a partner to be covered by the funeral benefit, R1 500 will be paid to you if your partner dies.

The cover under your funeral benefit starts when you subscribe to Jet Club, either telephonically or in one of our stores. If you nominate a partner to be covered by the funeral benefit, the cover of your partner starts the day you nominate your partner, or the date that we capture take-up of the partner cover (whichever is earlier).

Foschini Retail Group (Pty) Ltd (“we” or “us”) is an authorised financial services provider with FSP number 32719. We are an intermediary. The funeral benefit is underwritten by Guardrisk Life Limited, an authorised financial services provider and an insurer licensed to conduct life insurance business in terms of the Insurance Act 18 of 2017, with registration number 1999/013922/06 and FSP number 76 (“Guardrisk”). Guardrisk and Foschini Retail Group (Pty) Ltd have concluded a shareholder and subscription agreement that entitles Foschini Retail Group (Pty) Ltd to place insurance business with Guardrisk. Guardrisk can be contacted on 011 669 1000 or on email at info@guardrisk.co.za.

The amount for the Jet Club subscription is R48.00 per month. The premium for the funeral benefit is R3.00 per month and it is included in the monthly Jet Club subscription amount. There is no additional premium if you choose to cover your partner. We pay the premium to Guardrisk on your behalf every month. The Jet Club subscription amount (which includes an amount equal to the premium paid on your behalf) will be debited to your TFG Money Account each month. The terms and conditions for a TFG Money Account will apply together with the terms and conditions for the Jet Club funeral benefit. The billing of the Jet Club subscription amount will attract interest if your TFG Money Account payment plan attracts interest, at the same rate as your chosen payment plan. We will keep this interest.

Guardrisk will not change the premium during the first year following the starting date of cover unless there are reasonable actuarial grounds to do so, or if the change will be to your benefit. After the first year, the premium may be changed once a year, but we will give you 31 (thirty-one) days’ notice of any increase, the reason for the increase, and information on whether the increase will also result in an increase to the funeral benefit. The notice will also tell you what steps to take, including giving you an opportunity to cancel your Jet Club subscription, if you are not happy with the change/changes.

A three month waiting period, calculated from the starting date of cover, applies to a natural death. There is no waiting period for accidental death. You will not be covered if you commit suicide in the first year after the starting date of cover.

There are general exclusions that apply to the Jet Club funeral benefit, the details of which are in the Policy and Disclosure Notice.

Cover under the Jet Club funeral benefit will end when your TFG Money Account is terminated or when your Jet Club subscription ends. The funeral benefit will only be paid out once for your partner (if you have nominated a partner to be covered by the funeral benefit). Once it has been paid out, the cover for your partner will end. This means that, if your partner dies and the benefit is paid, you will not be able to cover another partner under this policy.

If you have not paid the monthly amount required by us on your TFG Money Account for two consecutive months, the Jet Club funeral benefit will suspend (you will not have cover). Cover will also suspend if you reach your credit limit, which is the maximum approved amount of credit granted to you in terms of your TFG Money Account and if there is any amount on your TFG Money Account that is outstanding for 60 (sixty) days or more. Please refer to your policy terms and conditions for more information on when the cover will suspend and reinstate.

Please read your policy and disclosure notice (which is attached to your welcome letter) and keep it in a safe place. You can also access a copy of your policy and disclosure notice on our website at www.jetclub.co.za or ask in store. Please make sure that you have read the policy definitions, exclusion clauses, premium clause and the claims procedure clause. Please also familiarise yourself with the time limits for making a claim and what documents will be needed when a claim is made.

You must please advise your beneficiary of the existence of the funeral benefit policy which forms part of your Jet Club subscription to ensure that if you die, a claim can be instituted on time.

If you would like to nominate a partner to be covered by the funeral benefit, please ask for a Partner Details Form at one of our Jet stores, complete it and email it to jetclubforms@tfg.co.za or ask one of our store staff members to email it on your behalf. You will need to complete a partner details form when you add a partner, and you will have to confirm that you have your partner’s permission to provide us with his/her personal information.

Claims can be submitted by completing a claim form and handing it in at any Jet store or emailing it to our Insurance Claims Department at claimsadmin@tfg.co.za. Claims must be submitted to us within 3 months of your death or your partner’s death. You must claim the funeral benefit if your partner dies. Your partner must claim the funeral benefit if you die. If you don’t have a partner, a person who is financially dependent on you, your sibling (including a half-sibling or step-sibling) or parent (including a natural or legally adoptive parent) must claim. Claims will be paid out by electronic funds transfer (EFT).

Complaints can be made to the National Financial Ombud Scheme by contacting them on 0860 800 900. Complaints about how this product was sold to you can be made to the FAIS Ombud by contacting them on 012 762 5000.

It is your responsibility let us know if any of your personal particulars change or if you would like to change your beneficiary.

Any information you have given us must be true and correct. If you fail to do so, any claim that is made could be adversely affected.

It is also your responsibility to review the insurance cover periodically to ensure that it remains adequate.

Unlike the funeral benefit, the other Jet Club benefits are not regulated by the Financial Advisory and Intermediary Services Act, so you don’t have the same protections under those benefits that you do under the funeral benefit.

3.1. All promotional competitions are organised by Foschini Retail Group (Pty) Ltd (“TFG”).

3.2. In these rules, “Promoter” means a person who directly or indirectly promotes, sponsors, organises or conducts promotional competition, or for whose benefit the promotional competition is promoted, sponsored, organised or conducted.

3.3. No director, member, partner, employee, agent of, or consultant to the Promoter or any other person who directly or indirectly controls or is controlled by the Promoter, their advertising agencies, or their spouses, life partners, parents, children, brothers, sisters, business partners or associates, may enter this promotional competition. This also applies to a person who is a supplier of goods or services in connection with this promotional competition.

3.4. All participants must be at least 18 years old at the time of entering the competition.

3.5. The Promoter reserves the right to vary, postpone, suspend or cancel the competition, any aspect of the competition and anything related thereto, without notice at any time and for any reason whatsoever that the Promoter deems is reasonable at the time. Should the Promoter, law or any authority cancel this promotional competition, no notice of cancellation shall be required. In such event, all participants and winners waive any rights and acknowledge that they shall have no claim, of any nature whatsoever against the Promoter, its directors, agents or employees as a result of the cancellation.

3.6. By entering the competition, participants agree and understand that they may win a prize, but there is no guarantee that they will win a prize.

3.7. All Jet Club competitions are open to Jet Club subscribers only.

3.8. Competitions are open for a limited time only as published in the relevant issue of Jet Club magazine or on any of Jet Club’s social media sites.

3.9. By entering any competition in Jet Club magazine, participants agree to abide by the rules and conditions of the competition.

3.10. TFG Money Account instalments and Jet Club subscriptions must be paid up-to-date to stand a chance of winning Jet Club giveaways or competitions.

3.11. By entering this competition, participants:

• 3.11.1 opt-in to direct marketing communication from the Promoter(s). Participants may unsubscribe from direct marketing at any time; and

• 3.11.2 consent to the processing of their personal information by the Promotor(s) and its service providers, but only insofar that it is necessary to give effect to the competition, for example to view the entries, select a winner and deliver the prizes.

3.12. The Promoter and its sponsors do not accept any responsibility for any entries or prizes that are lost, damaged, unusable or delayed.

3.13. The winners will not be entitled to payment, credit or otherwise in the event that they do receive or utilise the prize to the fullest extent possible. Any item or value unused will be deemed waived by the winners.

3.14. Prizes are not transferable and may not be deferred or exchanged for cash, credit or otherwise.

3.15. If any taxes, levies, duties or any charges whatsoever are levied on a prize by any competent authority, the winner will be liable for these, and the prize value will not be increased to compensate for such charges.

3.16. The winners will be selected after the closing date in the presence of an independent accountant/auditor/attorney.

3.17. The winners will be notified after the closing date. If the Promoter is not able to contact a winner or the winner does not provide the Promoter with relevant and correct information timeously, the prize will be forfeited, and a new winner will be re-drawn. The decision of the Promoter as to winners is final and no correspondence will be entered into. The winners may be required to endorse, promote and advertise any of the goods and services of TFG and will not unreasonably withhold their consent.

3.18. Any participant in this competition shall be deemed to have accepted these Competition Rules upon entry into the competition and agrees to be bound by them. Failure to comply with these rules or the terms of acceptance of a prize by a winner will be deemed to be a rejection of the prize and the winners will be disqualified from receiving the prize.

3.19. Winners will be notified by telephone and will receive their prize/s by post or in a Jet store.

3.20. Prizes exclude any other expenses incurred by winning participants when participating in the competitions.

3.21. The judges’ decision is final and no correspondence will be entered into.

3.22. Any information disclosed by entrants will only be used to contact the entrant, should they be selected as a winner.

3.23. TFG reserves the right to make media announcements and/or publish names and photographs of competition winners. Errors and omissions excepted.

3.24. TFG will require winners to consent before they can be asked to participate in any marketing activity or have their image or name used in any way.

3.25. Sponsoring parties are not responsible or liable for any or all losses, rights, claims and actions in connection with, or resulting from, participation in competitions or acceptance of prizes.

3.26. Winners may not win a Jet Club competition more than once in a 90 (ninety) day period. Any winners drawn who have will not qualify and another winner will be drawn.

3.27. Entrants may send a maximum of 3 entries per competition.

4.1. Vouchers may be used for merchandise at any Jet store.

4.2. The following goods may not be purchased with a Voucher: sale goods, reduced merchandise, cell phones, laptops, tablets, navigational devices, Gift Cards or airtime purchases.

4.3. Vouchers are non-transferable and may not be exchanged for cash or be used as payment towards a TFG Money account.

4.4. Vouchers may not be used in conjunction with any promotional offer, and expire on the date stated therein.

5.1. Study Master (web-based support services)

Service Offering

• Support and assistance to students grades 1 – 12.

• The benefits are offered through an online platform with a back-up team who handle enquiries via a ticketing system to ensure a seamless service delivery.

• 12 000 children are currently subscribed to the platform.

• Textbook summaries of all subjects offered by Government Schools, Private Schools and Home-Schooling Institutes – e.g. EMS (Economics Management Sciences), NS (Natural Science) and SS (Social Studies).

• Their database contains over 67 000 files and continues to grow every day.

• Approximately 38 000 files are downloaded every week.

• Inter-active slides on all topics with audio videos.

• For languages and mathematics, they supply explanations, practice test papers and memos allowing parents to easily and affectively assess their children’s comprehension of the subject prior to examinations.

• Their website caters for students with an Afrikaans and English home language.

• Their staff are the heart of the company and are willing to help, even after hours.

• They cater for any syllabus based on specific textbooks used by the school. Assistance has always been provided to students where the school has no textbooks.

• They are focused on innovation, their in-house development team is always available to incorporate new suggestions and ideas.

• The use of any information or material on this website is entirely at your own risk, for which Study Master shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

• Any textbooks that needs to be ordered takes approximately 3 weeks for delivery, and approximately 2 weeks will be needed to summarise the books.

• They also provide summaries for the compiled textbooks of different schools. Their policy is to load the work on the website 7 days before the test/exam date. Work not received within 15 working days prior to the test/exam date can unfortunately not be summarised.

• Class speeches have a turnaround time of 5 working days (excluding the day the request was received, weekends and public holidays).

• They only provide class speeches (no poems, dramas, dialogues, debates, interviews, reviews, book reports, forum discussions or essays). No speeches will be done that require research or that must be done with reference to a project.

• Assignment research have a turnaround time of 5 working days (excluding the day the request was received, weekends and public holidays). They only provide the project research; no project questions will be answered.

• Two children per household will have access to the service.

Members accesses website and follows the once off user friendly registration process to access the service.

• English Site: https://www.studymaster.co.za

• Afrikaans Site: https:// www.studiemeester.co.za

Jet Club Grocery Vouchers

Monthly vouchers available to use at:

• Shoprite stores
• Dischem Pharmacies
• Selected Fast Food restaurants (KFC)

Jet Club Grocery Vouchers WhatsApp bot

Save this number to access on WhatsApp +27 66 505 4108

• The Jet Club subscriber will be validated once they access the Jet Club Rewards WhatsApp bot.
• Once validated, the subscriber can select a voucher of choice.
• A Wl Code will be issued to the subscriber.
• The Jet Club subscriber can then present the voucher WI Code at the relevant store before paying, and the discount will be applied.

Other ways to access your Jet Club Grocery Vouchers:

• Dial *130*3272*01# and we’ll call you back
• OR call 0800 00 45 45 (SA & Namibia) or +27 11 991 8258 (Botswana, Lesotho & Eswatini) Have your ID with you and select the number that corresponds with the benefit you wish to access.
• You can also dial *130*3272*48# to redeem your exclusive monthly grocery vouchers.

If you are a Jet Club subscriber and you are successfully billed for your subscription, you will receive R48 Benefits. Airtime added to your Benefits Wallet on the 1st of the following month.

Visit www.tfgconnect.co.za for full Terms & Conditions.