eBUCKS REWARDS PROGRAMME TERMS & CONDITIONS

Last updated 30 June 2018

IMPORTANT: We specifically draw Your attention to the following crucial provisions, which We require You to read and agree to prior to concluding any transaction or interacting in whatsoever way with the eBucks Rewards Programme:

  • Our DISCLAIMERS, WARRANTIES and LIMITATION OF LIABILITY PROVISIONS as contained on our Website; and
  • Our PRIVACY POLICY as contained on our Website; and
  • All those provisions in the below Terms and Conditions which have both been highlighted and are preceded by the word "IMPORTANT", as was done with the contents of this entire section.
  • All words starting with capital letters have further been defined in the DEFINITIONS clause at the end of Our Terms and Conditions.
  • Nothing herein contained shall limit or exempt a supplier of goods or services from liability for any loss directly or indirectly attributable to the gross negligence of the supplier or any person acting for or controlled by the supplier, as envisaged in Section 51(1)(c)(i) of the Consumer Protection Act.
  • Nothing herein contained shall limit or exempt a producer, importer, distributor or retailer from liability for harm or damage caused by goods, as envisaged in Section 61 of the Consumer Protection Act.
  • If any of our Terms and Conditions conflict with the provisions of the Consumer Protection Act, the latter shall prevail.
  • We are committed to the provisions and the spirit of the Consumer Protection Act. As it is new law difficulties concerning the interpretation and the application of the law will inevitably arise. We invite you to contact our Contact Centre on 087 320 3200 if you feel that we have not complied with the spirit or the letter of the law so that We can take corrective action, if required.
  • These Terms and Conditions must be read with our DISCLAIMERS, WARRANTIES AND LIMITATION OF LIABILITY PROVISIONS, PRIVACY POLICY, LIFESTYLE DESK TERMS AND CONDITIONS, which may be accessed at https://www.ebucks.com/web/eBucks/legal/termsandconditions/lifestyle.jsp and any PARTNER SPECIFIC REWARDS TERMS AND CONDITIONS. The FNB PRIVATE WEALTH REWARDS TERMS AND CONDITIONS can be accessed at www.fnb.co.za. The RMB PRIVATE BANK REWARDS TERMS AND CONDITIONS can be accessed at www.rmbprivatebank.com. The LIFESTYLE DESK TERMS AND CONDITIONS be accessed at https://www.ebucks.com/web/eBucks/legal/termsandconditions/lifestyle.jsp. The LIFESTYLE DESK is available to qualifying FNB Private Clients, FNB Private Wealth and RMB Private Bank Customers only.
  • These EBUCKS REWARDS PROGRAMME TERMS AND CONDITIONS and the LIFESTYLE DESK TERMS AND CONDITIONS will prevail in the event of any inconsistencies with PARTNER SPECIFIC REWARDS TERMS AND CONDITIONS.

General

Discontinuance of the FNB Flexi-Fixed Account offer

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Competitions

Campaigns

eBucks Card

eBucks Shop

Discounts in the eBucks Shop

eBucks Partners

eBucks Travel

eBucks Rewards for Business

Consumer Rewards

Definitions


We are committed to the provisions and the spirit of the Consumer Protection Act. As it is new law difficulties concerning the interpretation and the application of the law will inevitably arise. Our We invite you to contact our Contact Centre if You feel that we have not complied with the spirit or the letter of the law so that We can take corrective action if required.


General

ACCEPTANCE

The eBucks Rewards Programme is brought to You ("the Member", "the Business") by eBucks ("Us", "We"), which is a business unit of First National Bank, a division of FirstRand Bank Limited. "We" or "Us" will also refer to RMB Private Bank which is a division of FirstRand Bank Limited.

These Terms and Conditions constitute an agreement between You and Us and govern Your and Our rights and obligations once You register for the eBucks Rewards Programme and/or each time You access or use the eBucks Rewards Programme.

By using the eBucks Rewards Programme, You acknowledge that You have read, understood and agreed to these Terms and Conditions, and that You have consented to Us sharing certain of Your personal or Your Business information within Our Affiliates in the ordinary course of Our business.

IMPORTANT: Kindly note that all words/terms which start with a capital letter have further been defined in the DEFINITIONS clause which You can find at the end of these Terms and Conditions.

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eBUCKS IS FOR FREE

eBucks is for free in that We will not charge You:

  • to earn eBucks*;
  • a joining fee; or
  • any periodic or annual membership fees.

* Two of the Partners, FNB and RMB Private Bank, may charge You a Credit Card Monthly Rewards Fee.

In addition to operating the eBucks Rewards Programme We also render additional services to Our Members. We may therefore also charge You transaction, service and delivery fees in eBucks or in Rand on certain transactions on Your eBucks Account, as explained elsewhere in these Terms and Conditions and on the Website.

An itemised breakdown of all Our fees is included in the fees and charges section elsewhere in these Terms and Conditions. This includes a Dormancy Administration Penalty from Your eBucks Account should You fail to earn or spend eBucks on Your relevant eBucks Account for a period of 6 (six) months, which amount is utilised to cover the costs of maintaining Your eBucks Accounts on Our system. The Dormancy Administration Penalty is explained elsewhere in these Terms and Conditions.

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RULES RELATING TO THE EARNING OF eBUCKS

The Partners regulate and determine:

  • the rate at which You may earn eBucks; and
  • the criteria that You are required to comply with in order to qualify to earn and continue earning eBucks, other than those requirements specified in these Terms and Conditions.
  • the rules regarding the backdating of eBucks earned, which may not be for a period exceeding 6 (six) months.

Should Your purchase from a Partner entitle You to any discount, or the earning of any loyalty credits, awards, rewards, points, miles or the like from the Partner relating directly or indirectly to any loyalty or rewards programme other than the eBucks Rewards Programme, then, depending on the Partner's rules, you may not be entitled to earn any eBucks on that transaction.

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RULES RELATING TO THE SENDING OF eBUCKS

You can send Your eBucks to another Member's Personal eBucks Account. Personal Members can send eBucks from their Personal eBucks Account to another Personal eBucks Account. Business Members can send eBucks from their Business eBucks Account to a Personal eBucks Account. Members cannot send eBucks from their Personal eBucks Account to a Business eBucks Account or from one Business eBucks Account to another Business eBucks Account.

You can send Your eBucks by logging on to Our Website or FNB online banking and selecting the option to send Your eBucks. If You do not have access to the eBucks Website you can call the eBucks Contact Centre to assist You in sending Your eBucks.

Requests to send eBucks via the eBucks Contact Centre will be processed with two Business Days. By requesting the eBucks Contact centre agents to send Your eBucks to another eBucks Account, You hereby authorise Us to access Your eBucks Account and to attend to the transfer of the specified amount of eBucks requested to the designated eBucks Account on Your behalf.

The eBucks send online limit via Our Website or FNB online banking is R3500 (Three Thousand Five Hundred Rand) or eB35000 (thirty five thousand eBucks) from each eBucks Account per month. Send transaction limits will also apply to each online eBucks send transaction. The value of the send transaction limits will be determined by Us from time to time.

We will not be liable for any loss or damage which You, incur, suffer or attract (including, without limitation, any direct, indirect, special, incidental or consequential damages, whether arising out of contract, statute or delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage) arising as a result of:

  • Your mistake, including but not limited to duplicated transactions, when giving Us an instruction;
  • Errors in transfers of eBucks made when sending eBucks to other eBucks Accounts due to the input of incorrect information;
  • Sending eBucks to an incorrect eBucks Account;
  • Providing incorrect information to the eBucks Contact centre agents when instructing them to send eBucks for You;
  • Fraudulent eBucks transactions;

We are not responsible for the verification of the identity of the recipient eBucks Account holder. We cannot reverse or correct payments or transfers that You make to other eBucks Accounts without the specific consent of the recipient eBucks account holder.

Please refer to TAX IMPLICATIONS for further formation concerning the tax implications of sending eBucks.

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YOUR PERSONAL eBUCKS ACCOUNT AND BUSINESS eBUCKS ACCOUNT

Since We have eBucks Rewards Programme offerings for both an individual and a Business, We have specific rules relating to the use of Your eBucks Accounts. If You have both a Personal eBucks Account and a Business eBucks Account ("eBucks Accounts"), You may not, for tax purposes, merge these two accounts, as they need to remain separate and distinguishable from each other. You also may not send eBucks between a Business eBucks Account and a Personal eBucks account or between two Business eBucks Accounts, but you may send eBucks from a Business eBucks Account to a Personal eBucks Account. You may also not purchase any goods and/or services by utilising eBucks from Your Personal eBucks Account and eBucks from Your Business eBucks Account as a combined payment for such goods and/or services.

You may also never have a negative balance in either of Your eBucks Accounts, unless We debit Your eBucks Account due to incorrect eBucks allocated to Your eBucks Account, We failed to deduct the required eBucks from Your eBucks Account, We incorrectly debited Your eBucks Account for whatsoever reason or we debit Your eBucks Acccount due to You making an unauthorised transaction on Your eBucks Account and You do not have sufficient eBucks in Your eBucks Account.

eBucks earned relating directly or indirectly to any business activity, business entity or a Member's business interests may only be allocated to a Business eBucks Account.

You may not link your Personal eBucks Account and your Business eBucks Account for purposes of the eBucks Rewards Programme.

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ACCESS CODES

For security, identification and verification purposes, when You interact with the eBucks Rewards Programme, You will be required, depending on the nature of Your interaction activity, to enter one, or a combination of the following Access Codes: User ID, eBucks PIN, eBucks Business Card PIN and OTP.

  • UserID:

    Your UserID will be Your South African Identity Number or Your eBucks Personal Card Number.

    Your eBucks Business Card number may not be used as a UserID.

  • eBucks PIN:

    Your eBucks PIN is a 4 digit Personal Identification Number.

    Members with Personal eBucks Accounts as well as Businesses' Primary Members and Transactors will each be required to have their own unique eBucks PIN.

    If You are registering for the eBucks Rewards Programme via Our Website, then You will be required to select an eBucks PIN.

    If You register for the eBucks Rewards Programme by any other method We will generate Your eBucks PIN.

    If You forget Your eBucks PIN, then You may request Our eBucks Contact Centre to SMS it to Your Selected Cell Phone Number.

  • eBucks Business Card PIN:

    Your eBucks Business Card's 4 digit Personal Identification Number.

    You will use Your eBucks Business Card PIN only for purposes of spending Your eBucks at Our Spend Partners' retail stores.

    Your Business' Transactor, will be required to log onto Our Website with his UserID and eBucks PIN, and then select an eBucks Business Card Pin.

    Our Contact Centre will not be able to send You a SMS reminding You of Your eBucks Business Card PIN If You forget Your eBucks Business Card PIN.

    Your Transactor will be required to log onto the eBucks Website and reset Your eBucks Business Card PIN.

  • OTP:

    A One Time Pin is a number that We will send to You by SMS to Your Selected Cell Phone Number to enable You to transact and to make certain changes on Our Website and to transact on Our Online Partners websites with eBucks.

    An OTP will be required when changing Your contact details, when changing Your eBucks PIN and eBucks Business Card PIN, when sending eBucks between eBucks Accounts, when updating OTP preferences, when Checking Out from the eBucks Shop and the eBucks Travel OBE, when transacting on Our Online Partners websites using eBucks and in any other instances that may be specified on Our Website from time to time.

    If Your FNB or RMB Private Bank credit card or cheque card has not been registered for Verified by Visa You will have to log into FNB Online Banking and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your FNB or RMB Private Bank credit card or cheque card.

    If Your Qualifying Business Cheque Card has not been registered for Verified by Visa You (the cardholder) will have to log into Online Banking or Online Banking Enterprise™ and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your Qualifying Business Cheque Card.

    If Your Selected Cell Phone Number is not the same as Your FNB or RMB Private Bank inContact cellphone number You will not be able to purchase goods and services in the eBucks Shop, using eBucks or Rand. You will have to contact the eBucks Contact Centre to change Your Selected Cell Phone Number to Your FNB or RMB Private Bank inContact cellphone number to enable You to purchase goods and services in the eBucks Shop.

    If You select to make payment in eBucks only and You have not received Your OTP within five minutes you may have it re–sent to Your Selected Cell Phone Number or to secondary cell phone number selected by You. If, when making payment in eBucks only, You enter an OTP incorrectly three times you will be logged out of Our Website and Your eBucks Account will be suspended. You will have to contact our Contact Centre to arrange for the suspension to be lifted.

    If You select to make payment in Rand or in eBucks and Rand and You have not received Your Verified by Visa OTP within five minutes you may have it re–sent to Your Selected Cell Phone Number. If You enter a Verified by Visa OTP incorrectly three times Your FNB or RMB card used for the online purchase will be blocked for online purchases and You will have to unblock it through FNB Online Banking or FNB Online Banking Enterprise™.

    If You have not received Your OTP within five minutes you may have it re-sent to Your Selected Cell Phone Number or to secondary cell phone number selected by You.

    If You enter an OTP incorrectly three times you will be logged out of Our Website and Your eBucks Account will be suspended.

    You will have to contact our Contact Centre to arrange for the suspension to be lifted.

You will be required to use Your Access Codes as follows:

  • Combined Use of both Your UserID and eBucks PIN:
    • Your User ID and eBucks PIN will be required when contacting the eBucks Contact Centre, when logging onto Our Website and when spending your eBucks on Our Online Partner's websites.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks PIN and You should not disclose it to anyone.
    • To authenticate You, Our eBucks Contact Centre may put You through to a confidential interactive voice recording system, which will request You to directly key in Your eBucks PIN on Your phone
    • By keying in Your eBucks PIN You will not be disclosing Your eBucks PIN to Our eBucks Contact Centre agents.
  • Sole Use of Your eBucks PIN:
    • You will be requested to key in Your eBucks PIN when swiping Your eBucks Personal Card on Our Spend Partners' point of sale devices, which will enable You to spend Your eBucks in Our Spend Partners' retail stores.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks PIN and You should not disclose it to anyone.
  • Sole Use of Your eBucks Business Card PIN:
    • You will be requested to key in Your eBucks Business Card PIN when swiping Your eBucks Business Card on Our Spend Partners' point of sale devices, which will enable You to spend Your eBucks in Our Spend Partners' retail stores.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks Business Card PIN and You should not disclose it to anyone.
  • Use of Your OTP:
    • Once you have logged onto Our Website or onto our Online Partners websites an OTP will be required for the changes and transactions described in the OTP section above.
    • There will never be a reason for anybody, including Our staff, to know Your OTP and You should not disclose it to anyone.

You must take special care to keep Your Access Codes secret. For Members with Personal eBucks Accounts, only the individual Member may use the Access Codes. For Business eBucks Accounts, only the Primary Member and the Transactor may use their individually allocated Access Codes. Do not disclose Your Access Codes to any other person and do not keep them with other eBucks Rewards Programme documents. The indivividual Member, and in the case of a Business, the Primary Member or Transactor, are responsible for all transactions carried out using Your Access Codes.

We will send Your OTP's and eBucks PIN reminders notifications to Your Selected Cell Phone Number. It is Your sole responsibility to ensure Your Selected Cell Phone Number is correct and up to date.

You must immediately contact the eBucks Contact Centre on 087 320 3200 and request that they deactivate Your eBucks PIN and eBucks Business Card PIN if You suspect or know that Your Access Codes have been lost, stolen or compromised, or if Your Selected Cell Phone has been stolen, or if You suspect a fraudulent SIM swap. Any delay in notifying Us will be construed as negligence on Your part for which we will not be liable. You must keep any reference number the eBucks Contact Centre gives You as proof of the fact that You have notified Us of Your security risk.

We will not be responsible for any transactions that are performed without Your knowledge or consent or any loss You suffer as a result thereof, unless You are able to establish that the loss was caused by Our negligence

You must take all reasonable steps to prevent unauthorised use of the eBucks Card and Access Codes.

If You have, contrary to these Terms and Conditions, authorised any other person to use Your eBucks Card or Access Codes, it will be Your responsibility to retrieve Your eBucks Card or alternatively on Our written demand destroy Your eBucks Card . When destroying Your eBucks Card, You must cut through the magnetic strip and card number so that Your eBucks Card cannot be used again. You must provide Us with proof, as required by Us, of the destruction of Your eBucks Card.

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ELIGIBILITY FOR THE eBUCKS REWARDS PROGRAMME

As from 31 May 2016, in order to join as a Personal Member of the eBucks Rewards Programme You need to produce and provide Us with either a valid South African identity number and/or an Active FirstRand Bank Account as defined upon registration. Where you provide an Active FirstRand Bank Account this must be an account on which you frequently transact. If you are unable to provide the aforementioned information you will not be allowed to register as an eBucks member.

For the eligibility criteria for Businesses, see eBUCKS FOR BUSINESS.

It is Your responsibility to confirm with a FNB business relationship manager or an FNB branch or with any of Our Partners, on which FNB products or Partners' products respectively You are able to earn eBucks.

Businesses must nominate a Primary Member to manage the relationship between the eBucks Rewards Programme and the Business and the Primary Member must nominate a Transactor to transact on the Business eBucks Account for and on behalf of the Business.

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REGISTRATION FOR THE eBUCKS REWARDS PROGRAMME

If You wish to register for the eBucks Rewards Programme as an individual and not a Business the following procedures and conditions will apply:

  • You can register by completing the online registration process on either Our Website at www.eBucks.com or through FNB Online Banking at www.fnb.co.za.
  • You can also register through the FNB Banking App.
  • Alternatively You may register through the FNB Banking App.
  • You can also register at any FNB branch in South Africa.
  • For more information visit Our Website or contact the eBucks Contact Centre on 087 320 3200.

If You wish to register as a Business for the eBucks Rewards Programme, the following procedures and conditions will apply:

  • You can register by completing the online registration process on Our Website at www.eBucks.com.
  • Alternatively You may register through the FNB Banking App.
  • Should a Business elect a Primary Member or Transactor who is also a person authorised to have access to or transact on behalf of any of the Qualifying Business Accounts linked to a Business eBucks Account, then it will be deemed for purposes of the Business eBucks Account that the Business has duly authorised such person to represent the Business and transact on the Business eBucks Account.
  • After a Business has submitted its online registration form, We may, but are under no obligation to, determine whether the Primary Member or Transactor listed on the eBucks registration form is a person who is authorised to transact on behalf of the Business on any Qualifying Business Account linked to the Business eBucks Account.
  • To establish the aforegoing, We need to view all Your documentation submitted to FNB or RMB Private Bank which was required to open and thereafter to manage Your Qualifying Business Account, as well as all documentation submitted to FNB or RMB Private Bank relating to the Financial Intelligence Centre Act. Accordingly, Your unconditional consent that We may request FNB or RMB Private Bank to make available to Us all the aforementioned documentation for purposes of verifying the identities of the Primary Member and Transactor and You similarly hereby authorise FNB or RMB Private Bank to disclose the aforementioned documentation to Us.
  • Should neither the Primary Member nor Transactor be a person authorised to transact on behalf of the Business on the linked Qualifying Business Account, then We shall endeavour to contact the Business, requesting the Business to provide Us with its written authorisation on the Business' official letterhead, duly signed by any person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, confirming that the relevant Primary Member and Transactor listed on the eBucks registration form is allowed to transact on behalf of the Business on the Business eBucks Account.
  • Should a Business at any time after it has successfully been registered as a Member, wish to nominate a different Primary Member or Transactor to transact on the Business eBucks Account, then a letter on the Business' official letterhead, duly signed by a person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, informing Us of the change in details of the Primary Member or Transactor will be required.
  • For more information visit Our Website or contact the eBucks Contact Centre on 087 320 3200.

General procedures and conditions applicable to an individual and a Business when registering for the eBucks Rewards Programme:

  • Only once We have identified and authenticated You, may We, at Our sole discretion, accept Your application to become a Member of the eBucks Rewards Programme. You will not be able to earn or spend any eBucks until We have authenticated and accepted Your application.
  • IMPORTANT: If We are not able to identify and authenticate You within 30 (thirty) days of receiving Your registration form, then Your registration will be deleted. You will not be entitled to hold Us liable for any damages howsoever occurred in respect of the deletion of Your registration, since it will be Your sole responsibility to follow-up with Us should You not have heard from Us within 20 (twenty) days from submitting Your registration form.
  • It is Your responsibility to advise Us if any of the personal or Business information which You provided to Us when registering to become a Member is inaccurate or has changed.
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eBUCKS ARE NOT CASH

You may not sell, issue, exchange, barter or redeem eBucks for cash. Your eBucks may only be used or spent through our spend channels listed on Our Website. You may not exchange or sell any other goods or services for eBucks.

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IMPORTANT NOTICE: TAX IMPLICATIONS

We strongly recommend that you obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks. Transfer refers to the transfer of rewards, benefits, discounts or eBucks to another person, business or entity.

You are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or eBucks received, accumulated, transferred or spent due to You being a Member of, or participating in, the eBucks Rewards Programme.

You agree that You will not hold Us, FNB or FirstRand Bank Limited ("the Bank") or any of the Bank's affiliates liable and You hereby fully indemnify the Bank or any of the Bank's affiliates, and hold the Bank or any of the Bank's affiliates completely harmless, against all damages, claims and fines made against You or the Bank or any of the Bank's affiliates, including all legal costs on an attorney-and-own-client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to Your receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks, or the charges in respect thereof.

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YOUR eBUCKS REWARDS STATEMENTS AND TRANSACTION HISTORIES

We send individual and Business Members their eBucks statements periodically via email. No statements will be sent on eBucks Account's which have had no eBucks transactions or have not qualified to earn eBucks during the statement period. You are also able to view Your eBucks transaction history on Our Website. You agree that we will be entitled to regard the statements as having been received by you when the statements have left an information system designated or used by us and sent to an email address/es provided by You.

Should you wish to query an entry on Your eBucks statement, please contact us as soon as possible from Your statement date (incl. Card and online transactions done during this statement period, but not yet reflecting). Should we not hear from You, we will assume that You have received the statement and that it is correct. If You wish to query non-receipt of Statements, please contact the eBucks Contact Centre on 087 320 3200 to ensure that Your contact details are correct.

You acknowledge that we have no control over the receipt of the statements and agree that we will not be liable for any loss or damage caused to you as a result of:

  • any access to the content of the statements sent to the email address/es provided by you;
  • non-receipt of the statements.

You may add to, delete or otherwise change an email address as provided to us previously, by either going onto Our Website at www.eBucks.com or through the My Rewards tab on FNB Online Banking at www.fnb.co.za. Alternatively You can call the eBucks Contact Centre and update your email address after following Our verification process.

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BALANCE SMS SERVICE

As an individual eBucks members, you may request Your eBucks balance via Your Selected Cellular Phone by sending a SMS to 32224 with the word BALANCE and Your ID number, Your eBucks balance, as at the end date specified in the SMS, will then be sent via SMS to Your Selected Cellular Phone (hereinafter referred to as "Balance SMS Service").

The cost of this Balance SMS Service will be R1.00 per SMS for every eBucks balance request. All failed attempts will also be charged at R1.00 per SMS. We may however, in Our sole discretion, increase the Balance SMS Service costs from time to time.

We will take reasonable care to ensure the accuracy of the data provided to You in terms of the Balance SMS Service, however Our official records will prevail in the case of any discrepancy.

We may terminate the Balance SMS Service at any time and without any notice to You. Only requests made prior to termination of the Balance SMS Service will be carried out.

It will be Your sole responsibility to regularly review these Terms and Conditions to establish whether the Balance SMS Service costs has been increased or whether the Balance SMS Service has been terminated.

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DORMANT STATUS OF YOUR eBUCKS ACCOUNT

If You do not earn or spend eBucks on Your eBucks Account for a period of 6 (six) months, Your eBucks Account will be considered dormant. We will then deduct a Dormancy Administration Penalty of eB90 (inclusive of VAT) from Your eBucks Account every month until You have either earned or spent eBucks, or until Your eBucks Account reaches a zero balance, whichever occurs first. This Dormancy Administration Penalty is used, including but not limited to, covering the costs of maintaining Your eBucks Accounts on Our system. Once You have reached a zero balance, We may close Your eBucks Account.

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UNCLAIMED eBUCKS

If Your eBucks Account remains in Dormant Status for a period of more than 30 (thirty) months, all of the unused eBucks in Your eBucks Account will be reclaimed by Us and your account will be closed.

Your unclaimed eBucks will be transferred to an FNB-eBucks suspense account for safekeeping. You have the right to claim this money for a period of 60 (sixty) years from the date on which the unclaimed eBucks were transferred into the FNB suspense account. To do this you must complete the necessary forms and prove your claim.

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DECEASED ESTATES

All eBucks in a Personal eBucks Account belonging to deceased estate will be frozen upon Us receiving notification of death, by the person who is authorised to deal with the liquidation and distribution of the estate under the Administration of Estates Act or any other law which provides for the administration of deceased estates (hereinafter referred to as the "executor"), producing a certified copy of the Member's death certificate. Should the executor have dealt with the eBucks in the final liquidation and distribution account, then the executor will have the opportunity, upon officially requesting Us, to transfer the eBucks located in the eBucks Account to a beneficiary(ies)/heir(s) eBucks Account. If the the executor failed to deal with the eBucks in the final liquidation and distribution account, then those eBucks will be forfeited to Us and the Personal eBucks Account will be closed.

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BUSINESS' CEASING TO OPERATE

Should a Business, when ceasing to operate as a business, not have spent all the eBucks in its Business eBucks Account, then all the eBucks remaining in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed. This does not preclude the duly appointed liquidator or trustee of a Business spending the eBucks in the Business eBucks Account in terms of the liquidation or sequestration process. If, however, the liquidator or trustee fails to deal with the eBucks in the final liquidation and distribution account, all the eBucks in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed.

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YOUR INSTRUCTIONS

Because We communicate with You through the Internet, via SMS or over the telephone, You agree that We are entitled to assume that You have authorised all transactions once Your Access Codes have been entered or provided to the eBucks Contact Centre or via the Website.

You are responsible for giving correct information and instructions when registering for the eBucks Rewards Programme and when conducting transactions via the Website; over the telephone with the eBucks Contact Centre. You are also responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change.

We will be entitled, but not obliged, to request confirmation or verification of transactions from You from time to time.

Save for a buyer's instructions on Our Website? to transfer the eBucks offered on the Vottle website, an instruction will only be considered to have been received by Us once We have confirmed receipt. If You are unsure as to whether a transaction has been processed You should contact Us before You re-submit the instruction. This is because re-submitting an instruction may cause Us to process the same transaction twice, for which You and not Us will be liable.

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NATURE AND PURPOSE OF THE INFORMATION PROVIDED BY THE eBUCKS REWARDS PROGRAMME

We provide various kinds of information and tools ("information") on Our Website and in Our brochures, emails and sms's, about Our products and services, Our Affiliates and other third parties. This information is only meant to serve as a guideline and You should not place any reliance on it without verifying the information.

Unless expressly otherwise stated, none of the information must be treated as:

  • an offer. It is merely as an invitation to do business with us; or
  • financial, legal, investment or professional advice of any kind. You must consult a professional advisor before You rely on any information that is published on or accessible via the Website or on the results of any calculators provided on OurWebsite.
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VARIATION AGREEMENT IN TERMS OF SECTION 21 OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT 25 OF 2002 ("the ECT Act")

You agree that these Terms and Conditions will be concluded between You and Us every time that You access the Website and/or use the eBucks Rewards Programme. The place of conclusion of these Terms and Conditions will irrebutably be presumed to be at our main place of business in the Johannesburg Central Business District, South Africa.

Any other agreements concluded between You and Us in relation to the eBucks Rewards Programme, will similarly irrebutably be presumed to have been concluded at our main place of business in the Johannesburg Central Business District, South Africa, at the time that We accept Your unconditional offer to abide by the relevant agreement's terms and conditions,

Data messages addressed by You to Us will only be deemed to have been received by Us if and when We respond thereto.

Data messages addressed to You by Us will be deemed to have been received by You when the complete data message enters an information system designated or used for that purpose by You and is capable of being retrieved and processed by You.

Data messages addressed by You to Us will be deemed to have been created and sent by You within the geographical boundaries of South Africa.

Electronic signatures, encryption and/or authentication is not required for valid electronic communications between You and Us.

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WHO IS THE "SUPPLIER" AS DEFINED IN THE ECT ACT

We make available a variety of products and services by way of the eBucks Rewards Programme.

When You purchase vouchers via the eBucks Shop, We are regarded as a Supplier, as defined in the Electronic Communications and Transactions Act 25 of 2002 ("the ECT Act").

When You purchase any other product or use any service via the eBucks Rewards Programme, the Supplier, for the purposes of the ECT Act, is the party that provides the goods or services, unless expressly or by implication stated otherwise. Where a party is regarded as a Supplier for the purposes of the ECT Act, that party may have its own Service Terms.

In the event of conflict between the Terms and Conditions and the Service Terms, the provisions of the Service Terms will prevail to the extent of such conflict unless expressly otherwise stated.

For the avoidance of doubt, We shall not be considered a Supplier in terms of the ECT Act pertaining to any offer made and/or any sale concluded through the Vottle website.

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PURCHASE OF PRODUCTS AND SERVICES VIA THIS WEBSITE

We reserve the right to offer Members special deals on various spend items.

Any offer to purchase products and services via the eBucks Rewards Programme does not constitute any guarantee that Your offer to purchase will be accepted.

An auto-response to Your offer to purchase shall not be regarded as approval of Your purchase. Only once We have actually formally contacted You may You assume that We have accepted Your offer to purchase the particular product(s) or service(s) which You requested.

Inclusion or offering of any goods or services on this Website or via the eBucks Rewards Programme does not constitute Our endorsement or recommendation of such goods or services.

Without limiting the implied warranty of quality as contemplated in section 56 of the Consumer Protection Act , all such goods/services are provided without any warranty of any kind, unless expressly otherwise provided on this Website. This stipulation will also inure for the benefit of Our Spend Partners and Suppliers.

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"COOLING-OFF PERIOD" IN TERMS OF THE ECT ACT

Subject to Sections 16 and 20 of the Consumer Protection Act, You are entitled to cancel any transaction concluded on the Website, without any reason and without any penalty, within 6 (six) Business Days after the receipt of the product or within 6 (six) days after conclusion of the agreement in the case of the purchase of services.

The only costs You will be required to cover are all direct expenses incurred by Us or Our authorised agents:

  • in the delivery of the products and services ordered by You;
  • in collecting or accepting return of the products; and
  • for restoration (if the packaging was damaged) to render the goods fit for restocking.

Please note that We merely facilitate payment pertaining to an offer and sale concluded on the Vottle website, accordingly Your instructions on Our webpage to transfer the amount of eBucks offered on the Vottle website is not regarded as a transaction concluded on the Website. Therefore You are not entitled, at any time, to demand that We reverse,refund, orcancel any transfer of eBucks from your eBucks Account and which was properly authorised by You on Our webpage pertaining to an offer and/or sale through the Vottle website. A buyer making an offer and/or concluding a sale through the Vottle website shall only be entitled to enforce his/her/its rights, if applicable, afforded in terms of the Act against the Supplier.

If payment for the products or services has already been made prior to You exercising Your right to cancel the transaction, You are entitled to a full refund of such payment, which refund will be made within 15 (fifteen) Business Days of the date of the cancellation of the transaction.

Please note that the "cooling off" provisions of the ECT Act do not apply to the following electronic transactions:

  • for financial services;
  • by way of any auction;
  • for the supply of foodstuffs, beverages or other goods intended for everyday consumption supplied to Your home, residence or workplace;
  • for services which began with Your consent before the end of the 6 (six) Business Day period referred to above;
  • where the price of the supply of goods or services is dependent on fluctuations in the financial markets and which We cannot control;
  • where the goods are made to Your specifications, are clearly personalised, by reason of their nature cannot be returned, or are likely to deteriorate or expire rapidly;
  • where audio or video recordings or computer software were unsealed;
  • for the sale of newspapers, periodicals, magazines and books;
  • for the provision of gaming and lottery services; or
  • for the provision of accommodation, transport, catering or leisure services and where We undertake, when the transaction is concluded, to provide these services on a specific date or within a specific period.

To avoid any doubt, any cellular or fixed line airtime, LOTTO ® tickets or travel-related tickets purchased via eBucks Travel, are not subject to the "cooling off" provisions of the Act and You cannot cancel the transaction within the prescribed 6 (six) Business Days.

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PHISHING AND FRAUD

If You suspect or know that You have been a victim of phishing, fraud or a loss, theft or compromise of Your Access Codes or eBucks Card, You must inform Us immediately by contacting our Contact Centre on 087 320 3200 and open a case at Your nearest police station. You will be required to provide us with a case reference number and co-operate with Us and the police in any investigation conducted into losses You suffer. We will not be responsible for any losses You may suffer due to phishing, fraud or a loss, theft or compromise of Your Access Codes or eBucks Card unless You are able to establish that the loss was caused by Our negligence. Please refer to the section in the terms and conditions dealing with ACCESS CODES.

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FEES AND CHARGES

You authorise Us to make the following withdrawals from Your eBucks Account:

  • the value of delivery charges in eBucks, where the price of the products expressly excludes delivery charges;
  • the value in eBucks of any amount due by You to Us, a Spend Partner, or any Affiliate;
  • the value of eBucks offered by You as a buyer once You have authorised Us on Our webpage to transfer the offered eBucks from Your eBucks Account to the eBucks Escrow Account which shall subsequently be transferred to the seller
  • the Dormancy Administration Penalties on all dormant eBucks Accounts as from the 6th (sixth) month of dormancy;
  • the Balance SMS Service
  • the fees and charges itemised in the table below as reviewed and amended from time to time;
  • the eBucks Travel specific fees and charges;
  • any taxes, surcharges, cancellation fees or any other charges relating to a transaction or Your participation in the eBucks Rewards Programme; and
  • the value in eBucks of any amount which You may have obtained as a result of fraud, misconduct or which We did not intend to accrue to you.

In addition to Your above payment authorisations relating to Your eBucks Account, We will only debit Your relevant credit card, cheque card or FNB current account, if You have expressly authorised Us to debit same.

We may set off any amount that You owe Us and FNB/RMB Private Bank against any amount in Your eBucks Account and other FNB/RMB Private Bank Accounts.

You may not refuse to pay any amount owing to Us in respect of Your eBucks Account on the basis that You may have another claim against Us.

We may reverse at any time any eBucks incorrectly allocated to Your eBucks Account and/or deduct the required eBucks from your eBucks Account which We or any other person failed to lawfully deduct from Your eBucks Account, for whatsoever reason and irrespective whether Your eBucks Account may thereafter show a negative balance. Should an incorrect amount be debited from Your eBucks account or should You make an unauthorised transaction on Your eBucks Account, We reserve the right to debit or credit at any time Your eBucks Account, irrespective whether Your eBucks Account may thereafter show a negative balance, to ensure the correct amount is debited from Your eBucks Account or to ensure Your compliance with these Terms and Conditions.

Should Your eBucks Account at any time show a negative balance, You will at all times be liable to Us to immediately repay the equivalent in Rand to Us to bring Your eBucks Account from the negative balance to a zero balance within 30 (thirty) calendar days from date of Our written demand. If You fail to repay the aforementioned amounts within 30 (thirty) calendar days from date of Our written demand, You will be liable for interest at the legal rate of 15.5% (fifteen point five per cent) compounded monthly in arrears calculated retrospectively from the first date the eBucks account reflected a negative balance and all costs, including attorney-and own-client fees, costs and tracing fees, should We have to appoint attorneys and/or debt collectors to recover the aforementioned amounts and without prejudice to any of Our other rights and remedies afforded in terms of these Terms and Conditions and/or in any law.

Below is an itemised breakdown of Our current fees and charges which We may review from time to time by amending these Terms and Conditions.

Balance enquiry via SMS eB10 (R1.00)
Convenience and Value Added Services fee
(for purchases using eBucks for:
LOTTO™/ Powerball purchases,
Airtime (Excluding FNB Connect Airtime)
Prepaid electricity
Pay TV prepaid purchase)
eB20 (R2.00)
Virtual voucher SMS delivery fee eB28 (R2.80)
Virtual voucher resend fee eB50 (R5.00)
Dormancy Administration Penalty eB90 (R9.00) per month

In determining the Delivery Fee categories above, all the items in your Shopping Basket when Checking Out are taken into account and bundled together. If a virtual voucher is one of the items in your Shopping Basket when Checking Out a separate and additional Delivery Fee is charged for each virtual voucher. Volumetric weight and the size of the items in your Shopping Basket when Checking Out are taken into account in determining the Delivery Fee category above. If the volumetric weight exceeds the actual weight of the items the volumetric weight will be applied to determine the Delivery Fee category above.

FNB and RMB Private Bank, may charge You a Credit Card Monthly Rewards Fee. The EBUCKS TRAVEL SPECIFIC FEES AND CHARGES are specified in the EBUCKS TRAVEL SECTION

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ENDING A SESSION

You must log off once You have finished using the Website. If You do not do this, unauthorised transactions may result, for which We will not be liable.

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ENDING YOUR PARTICIPATION IN THE eBUCKS REWARDS PROGRAMME AND OTHER PENALTIES

We may end Your participation in the eBucks Rewards Programme at any time and for any reason, on notice to You. Such termination will not affect instructions given to Us and not yet carried out. You will however, have 30 (thirty) days to spend Your eBucks unless:

  • We believe Your behaviour was inappropriate, constituted misconduct and/or is considered an abuse of the eBucks Rewards Programme;
  • We believe it necessary to end Your participation as aforesaid based on our endeavours to stop or prevent any criminal activities including money laundering or where South African and international laws, rules, regulations, restrictions and policies ("the laws") require us to do so;
  • We refuse to do business with you based on the laws set out above;
  • We refuse to do business with You due to Your appearance on any sanction list as prescribed by legislation or used by Us in the management of risk or that is linked to any person that appears on such sanction list, or linked to any restricted countries or the government agencies of such restricted countries as determined from time to time;
  • You fail to assist us to comply with the laws by failing or refusing to provide us with all the information and documents we may require or you do assist us but you submit false information or documentation;
  • You breached these, or any other, terms and conditions relevant to the eBucks Rewards Programme; or
  • a fraudulent transaction was conducted directly or indirectly by You;

in which case, We reserve the right and without prejudice to any of Our other rights and remedies in terms of these Terms and Conditions and in law, to be exercised in Our sole discretion:

  • To immediately terminate Your Membership to the eBucks Rewards Programme;
  • That You forfeit all Your eBucks in Your eBucks Account at the time of termination including any future eBucks which may have accrued to you after the date of termination had it not been for such termination;
  • To stipulate that You are no longer entitled to any rewards, benefits or services from the eBucks Rewards Programme including eBucks Lifestyle from the date of termination;
  • To permanently disqualify You from accessing any discounts; and
  • To reverse or cancel any transaction relating to the aforementioned conduct and hold You liable for any value which You have received in terms of such conduct.

If We terminate Your participation in the eBucks Rewards Programme, We will not be liable for any damages of any nature suffered by You or any third party.

Once We have terminated Your participation in the eBucks Rewards Programme You shall not be entitled to again join the eBucks Rewards Programme, unless We approve, in writing, Your written request to re-join the eBucks Rewards Programme. Any re-joining without Our written approval may, in Our sole discretion, be declared null and void.

You may end Your participation in the eBucks Rewards Programme on 30 (thirty) days prior written notice to us.

During this notice period You, as an individual, may either spend, donate or send Your eBucks to other eBucks Accounts similar to Yours (i.e only individual Members may transfer to other Personal eBucks Accounts and not to a Business eBucks Account), failing which You will forfeit all the eBucks in Your Personal eBucks Account when it is closed. When Businesses end their participation in the eBucks Rewards Programme, they may send their eBucks to a Personal eBucks Account, but may not send their eBucks to another Business eBucks Account and they will therefore forfeit any remaining eBucks in their Business eBucks Account when their Business eBucks Account is closed.

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VERIFICATION PROCESSES

We endeavour to stop or prevent any criminal activities including money laundering. Because of this we can do any of the following things if we consider it is necessary to do so, or if South African and international laws, rules regulations restrictions and policies ("the laws") require us to do so:

  • We may verify (check and confirm) the identity of any customer and entity as well as that of any persons related to or acting on behalf of or involved with such customers or entities. This includes, but is not limited to, mandated persons, directors, signatories, shareholders and related entities. We will do this at the start of the business relationship and as often as we or the law may consider it necessary thereafter.
  • We can refuse to do business with any person or entity that we consider undesirable.
  • We will not willingly and knowingly do business with any person that appears on any sanction list as prescribed by legislation or used by us in the management of our risk or that is linked to any person that appears on such sanction list, or linked to any restricted countries or the government agencies of such restricted countries as determined from time to time.
  • We can end our relationship with a customer.
  • We can monitor any transactions and instructions.
  • We can request further information before acting on any instruction or transaction. We can verify any transaction or instruction or recipient before processing it. This may result in a delay by us in carrying out the instruction.
  • We can refuse to carry out any instruction or transaction.
  • We can place a hold on any account or facility.
  • You agree to assist us to comply with the laws by providing us with all the information and documents we require. If you fail to do so or provide false information we can refuse to enter into a relationship with you, refuse to carry out an instruction or process an instruction and can also end our relationship with you.
  • TAKE NOTE: We will not be legally responsible to you, or any person, or customer for any loss or damage, you or they suffer if it does any of the things mentioned above, or anything else necessary to comply with the laws.
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PRIVACY AND CONSENT TO MARKETING AND DISCLOSURE OF PERSONAL INFORMATION

To provide Our services to You we may be required to disclose Your personal or Your business information to third parties. You consent to and authorise us to disclose Your personal information, in the ordinary course of our business, to such third parties from time to time and indemnify us from any liability you may incur associated with or arising from us acting in accordance with this consent.

You confirm and consent that FirstRand Limited, including FirstRand Bank Limited, (FSR), may process (collect, use or otherwise deal with) your information (including processing outside of the borders of South Africa), which was voluntarily provided, for the purposes of providing services and products to you, according to the applicable product terms and conditions, our privacy policies and the requirements of law.

You confirm that you have read and understood the applicable product terms and conditions, specifically the portion relating to the processing of your personal information, and our privacy policy. You confirm that the information provided by you to FSR is true, correct and current (including information about your residency and citizenship for local and international tax purposes) and that you will inform FSR if it changes.

You agree that FSR can communicate with and market products and services to you. If You contact the eBucks Contact Centre, You permit Us to record Your calls for security reasons, customer care and to comply with various laws. Where you have not already provided specific consent you agree that the remainder of the FSR, including its approved partners, can communicate with and market products and services to you. You agree to be included in marketing, email and SMS campaigns and that your name be included in marketing or customer lists which the credit provider may sell or distribute to other persons

You consent to FSR to sharing your personal information with third parties for business purposes. Third parties include, but are not limited to, couriers for delivery of your Product(s) and the Electronic Telecommunication Service Providers for the provision of Electronic Telecommunication Services. You also consent to FRS making enquiries at any Credit Bureau concerning your credit worthiness.

You can refer to our Privacy Policy and to FNB's Privacy Policy at https://www.fnb.co.za/about-fnb/legal-matters/privacy-policy.html for more information on Our privacy practices. These terms and conditions will prevail in the event of an inconsistency between these terms and conditions and our Privacy Policy.

FSR means FirstRand Bank Limited, FirstRand Limited, any affiliate companies, its associates, cessionaries, delegates or successors in title and / or third parties (like its authorised agents and contractors) (collectively referred to as FSR).

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SECURITY

For Your security You should regularly read the security tips which We publish on Our Website and take the precautions. If You want to prevent others from reading email We send You, You must set up Your own password protection on Your system at home or work. Please read Our Security Policy for more information.

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LINKS TO THIRD PARTY WEBSITES

For Your convenience, the Website contains links to the Third Party Websites. By making the hyperlinks available, We are not endorsing Service Terms, Third Party Websites, their content, products, services or owners. It is Your responsibility to obtain all information relevant to making a decision and to read the privacy and security policy on third party websites.

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USING CONTENT FROM OUR WEBSITE

The content on Our Website, including all registered and unregistered trade marks, constitutes Our intellectual property. You may not establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise to the Website or any subsidiary pages without Our prior written consent, which consent is at Our sole discretion.

You may apply to establish such a link by submitting Your request to info@ebucks.com If You have not heard from Us within 5 (five) Business Days, please consider Your request as having been rejected.

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NOTICES, CONFIRMATION AND STATEMENTS

You agree that publishing a notice on the Website or sending You a notice once You log into the Website, or via email, sms or post will constitute sufficient notice to You . Please remember that You are responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change.

For contractual purposes, You consent to receive communications from Us electronically and You agree that all agreements, notices, disclosures and other communications that We provide to You electronically satisfy any legal requirement that such communications be in writing.

Should You fail to raise an objection with Us within 24 (twenty-four) hours after We have sent You a notice, You will be considered to have accepted the transaction or new setting as being valid and binding in all respects.

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AVAILABILITY OF THE WEBSITE

The eBucks Rewards Programme may be unavailable from time to time due to routine maintenance or emergency repairs or because of the unavailability of any electricity, telecommunication system or networks.

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FNB ELECTRONIC CHANNELS

If You are granted access to this Website, the eBucks Shop, eBucks Travel or the eBucks Rewards Programme though any of the FNB Electronic Channels You will be bound by the terms and conditions of the FNB Electronic Channel You are using and to Our Terms and Conditions. Our Terms and Conditions will prevail if a conflict exists between FNB Electronic Channels terms and conditions and Our Terms and Conditions.

The information and data displayed on the FNB Electronic Channels concerning this Website, the eBucks Shop, eBucks Travel and the eBucks Rewards Programme may be simplified, abbreviated, modified, incorrect or dated. The information and data displayed on this Website will be regarded as the correct and accurate information and data should there be any discrepancies in the information and data displayed on the FNB Electronic Channels and on this Website.

In order to be granted access to and use the FNB Banking App, you must be a registered Member of the eBucks Rewards Programme and you must be banked with FNB.

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MODIFICATION, SUSPENSION OR TERMINATION OF THE eBUCKS REWARDS PROGRAMME

We may, in whole or in part, change, suspend or discontinue providing the eBucks Rewards Programme at any time at Our sole discretion. We will however, notify You of this, within a reasonable time of these changes being made.

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AMENDMENTS TO TERMS AND CONDITIONS

We may amend the Terms and Conditions and any other terms and conditions on the Website from time to time. If You use the eBucks Rewards Programme after We have posted an amended version of any terms and conditions on Our Website, We will be entitled to assume that You have agreed to be bound by the amended version of the relevant terms and conditions

For convenience only, the date on which the Terms and Conditions were last amended is shown below the main heading of these Terms and Conditions.

SUBMITTING COMPLAINTS AND QUERIES TO US

Any complaints or queries relating to Our services must be directed to the eBucks Contact Centre at:

Telephone:
087 320 3200
Email:
info@eBucks.com

eBucks travel

Telephone:
087 587 2835
International contact number:
+27 11 377 5061
Email:
travel@eBucks.com

We will acknowledge receipt of Your complaint or query and provide You with a reference number within 2 (two) Business days of it being submitted to Us.

We will investigate Your complaint or query thoroughly and provide you with a full response within 14 (fourteen) Business Days of it being submitted to Us.

We will refer complaints or queries concerning the rules relating to earning eBucks to the relevant earn Partner for resolution as they are responsible for the eBucks earn rules.

If We have not resolved your complaint or query within 14 (fourteen) Business Days of it being submitted to us You can escalate Your complaint or query to FNB at:

Telephone:
0860112244
Email:
care@fnb.co.za
Fax:
011 632 2317

If Your complaint has not been resolved within 20 (twenty) Business Days of it being submitted you are invited to refer it to the Ombudsman for the Banking Services. The Ombudsman for Banking Service provides South African banking customers with a free, informal dispute resolution service. Their contact details are:

Telephone:
0860 800 900
Fax:
011 483 3212
Website:
www.obssa.co.za

Complaints concerning the Consumer Protection Act may also be addressed to the National Consumer Commission. Their contact details are:

Telephone:
0860 266 786
Email:
ncc@thedti.gov.za
Fax:
0861 515 259
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COURT JURISDICTION

We retain the right to institute at any time legal proceedings in any court of law with jurisdiction, to obtain urgent or interim or final relief or to collect debts due and payable by You.

You agree that any action brought against You for a claim that may arise under these Terms and Conditions, Your use of the eBucks Rewards Programme and/or any other terms and conditions on the Website may be brought in the Magistrate's, Court even if the amount We claim from You exceeds the jurisdiction of that court.

You agree to pay all expenses in recovering any amounts You owe Us, including legal costs on the attorney and own client scale, collection charges and tracing fees and VAT thereon.

If We need to take legal action against You, one of Our employees (who need not prove his/her appointment) will produce a certificate to the court, recording the amount You owe us. If You disagree with this certificate, You will have to prove that it is incorrect.

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ADDRESS FOR LEGAL NOTICES

All legal notices relating to Suppliers', third parties' and/or buyers' or sellers', in terms of the Vottle website, products and services must be delivered as provided for in the Service Terms or alternatively in the absences of an appropriate Service Term such legal notices must be delivered as provided in terms of law.

Legal notices and other legal documentation addressed to Us must only be sent to this physical address, which we choose as Our domicilium citandi et executandi.

Notices delivered to Us using the following methods will be deemed to be received within the stated period: by hand (at the time of delivery) or, registered post 14 (fourteen) days. You may not send any notice or legal document to Us by sms or email.

We may send You legal notices to any of the addresses You have specified on any of Your application or registration forms with Us,which You hereby choose as your domicilium citandi et executandi for service of all legal process, or at the address at which You work or live or in any other way as provided in terms of law.

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CESSION

Unless expressly otherwise stated in these Terms and Conditions, You will not be entitled to cede, sub-contract and/or delegate any of Your rights or obligations under these Terms and Conditions, without Our prior written consent.

We and our successors in title shall, at any time, in Our sole discretion, be entitled to cede, assign and/or sub-contract all or any of Our rights and obligations in terms of these Terms and Conditions to any third party, without prior notice and/or approval to You.

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THE LAW GOVERNING OUR RELATIONSHIP

These Terms and Conditions are subject to the laws of the Republic of South Africa

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OTHER

If any of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.

These Terms and Conditions constitute the entire agreement between You and Us with regard to the use of the eBucks Rewards Programme and/or this Website.

The headings appearing in these Terms and Conditions are inserted for convenience only and will not be taken into account when interpreting these Terms and Conditions.

Hyperlinks, which are not operational, will not in any way detract from the validity and interpretation of the applicable Terms and Conditions.

Where dates and times need to be calculated under these Terms and Conditions, the international standard time (GMT) plus 2 (two) hours will be used.

Any failure or delay on Our part to exercise any of Our rights will not constitute a waiver of such right.

A certificate issued by Our Website administrator and/or legal manager will serve as proof of the version of the Terms and Conditions and/or any other terms and conditions on the Website, which applied to Your use of the eBucks Rewards Programme at a specific date.

The rule of interpretation that a contract will be interpreted against the party responsible for the drafting or preparation of a contract will not apply to these Terms and Conditions.

If there is a conflict between these Terms and Conditions and the Service Terms, the Service Terms will prevail.

Save as expressly provided otherwise in these Terms and Conditions, no variation, amendment or consensual cancellation of these Terms and Conditions, including this clause, and no settlement of any disputes arising under these Terms and Conditions and no extension of time, waiver or relaxation or suspension of any of the provisions or terms of these Terms and Conditions will be binding or have any force and effect unless reduced to writing and posted on this Website or alternatively signed by Our representative.

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FNB On The Go

FNB on the Go is a new benefit being launched in October 2018, which gives qualifying Members a complimentary meal at participating Wimpy's located at Engen 1-Stops across South Africa. The benefit is for qualifying FNB Gold, Premier, Private Clients, Private Wealth or RMB Private Bank Account holders. Qualifying Members who are multi-segmented (for example qualified on both FNB Gold and FNB Premier) will receive the FNB On The Go benefit on their highest qualifying segment.

The benefit can only be redeemed at participating Engen 1-Stop Wimpy restaurants for breakfast and burger meals as specified and does not include beverages, "make it your own" or additional menu items. FNB On The Go benefits cannot be exchanged for cash. The benefit is only applicable to sit-down meals, and cannot be redeemed on any takeaway meals. Your one free meal will be split across Mobile Discount and Mobile Payment on your till slip.

To qualify for the FNB On The Go benefit you must be on eBucks Reward Level 2 or above. If you drop below Reward Level 2 at any time after you have been rewarded with the FNB On The Go benefit, you will not be able to access the FNB On The Go benefit until you are back on Reward Level 2. Your qualification for access to the FNB On The Go benefit will be determined monthly in accordance with your eBucks Reward level.

Qualifying Members will receive one FNB On The Go benefit, every three months, on the FNB/RMB Banking App. The benefit is only valid for the quarter in which it has been allocated to you, and will expire at the end of the 3 (three) month period. Any unused FNB On The Go benefit will expire, and will not be carried over to the next quarter.

FNB On the Go will only be available on the FNB/ RMB Banking App. You will need to log into the FNB/RMB Banking App to obtain the unique code which may be redeemed at a participating Wimpy for your complimentary meal. A new, randomly generated code is generated upon each request and can therefore not be saved and redeemed at a later stage. FNB cannot be held liable for non-redemption of FNB On The Go vouchers due to any system being down.

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Competitions

SPECIFIC TERMS AND CONDITIONS

From time to time, We and/or Our Promoter(s) may run competitions. When the competition constitutes a promotional competition as defined in the Consumer Protection Act we shall ensure that we conduct the promotional competition in accordance with section 36 of the Consumer Protection Act.

Competitions will differ from one another and accordingly by clicking here You will be able to establish the following specific details and requirements of the relevant competition: competition name, identification of Promoter(s), prize(s) offered, specific participant eligibility to enter a competition, the start and closing date of a competition and any specific terms and conditions pertaining to the relevant competition, if any.

All competitions shall be governed by these Terms and Conditions; however should these Terms and Conditions conflict with the details, requirements and specific terms and conditions of a relevant competition, then such details, requirements and specific terms and conditions shall prevail.

In the event that the prize consists in whole or in part of a travel related activity, then the relevant eBucks Travel terms and conditions applies mutatis mutandis (i.e. with the necessary changes) to the competition and the prize.

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GENERAL ELEGIBILITY

Only South African residents who are Members are eligible to enter competitions.

If You are under 18 years of age and You are not an emancipated minor, then You may only participate in a competition with the authority and assistance of Your parent or guardian.

In certain circumstances, We may also require participants and/or winners to sign additional terms and conditions, indemnity forms and other documentation at any time during a competition and/or before taking up any part of a prize. Your failure to sign and timeously (irrespective of the cause of such late delivery) deliver those original signed additional terms and conditions, indemnity forms and documentation to Our domicilium citandi et executandi, shall entitle Us to disqualify You as a participant or a winner and You will forfeit the prize, without You having any right of recourse against Us and the Promoters for such termination or forfeiture.

Should the prize constitute in whole or in part an activity which relates to traveling outside the borders of the Republic of South Africa, then You and Your travel companion(s) (if applicable) must have valid passports at the time of entering the competition and the passports must remain valid for a period of 6 (six) months after the end of the relevant travel activity itinerary. You and Your travel companion must at the time of entering the competition have or be able to obtain a valid visa (if applicable) to undertake the international travel component of the prize.

The Promoter's and Our employees, directors, partners, members, trustees, beneficiaries, agents, consultants, sub-contractors, sponsors or any person associated, whether directly or indirectly with the competition or prize or any spouse, immediate family member, life partner, parents, children, business partner or associate of any such person are not eligible and accordingly barred from participating or entering any competition.

We reserve the right, in our sole discretion, to exclude You from being a winner should any of Your FirstRand Bank Limited's products be in arrears or over the credit limit at the time.

You herewith warrant that You have the right to enter into and participate in a competition without restraint, restriction or limitation or alternatively should You be so restrained, restricted or limited, You warrant that You have taken all the necessary legal steps that would enable Your entry and participation in the competition to be lawful and unconditionally legally enforceable.

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RIGHT TO CHANGE COMPETITION'S TERMS AND TERMINATION OF COMPETITION

We reserve the right, in Our sole discretion and without notice to You, to change these general terms and conditions applicable to all competitions and/or the specific details, requirements and specific terms and conditions of a particular competition.

We reserve the right, in Our sole discretion and without notice to You, to substitute any prize with another prize of similar commercial value.

If required as a result of current legislation or any subsequent change in legislation or if deemed necessary in Our sole discretion, then We shall have the right to terminate a competition immediately and without notice to You. In the event of such termination, You agree to waive any claims and rights which You may have in terms of a competition and acknowledge that You will have no recourse against Us, the Promoter or the respective directors, members, partners, trustees or employees.

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PUBLIC RELATIONS CONSENT AND OWNERSHIP

Should You be a participant and/or winner of a competition, You hereby consent to be filmed, photographed and displayed in any media. You authorise Us to use Your name and photograph for publicity purposes at any time and without obtaining Your further consent.

You agree to being called upon at any reasonable time for media interviews and to appear in advertising material as and when required.

We shall be the sole owner of all intellectual property created directly or indirectly in relation to the competition, the prize, awarding of the prize to the winner and the winner's experience relating to the prize and You waive all moral rights which You may have therein.

We shall have the exclusive right to use and to licence the use of Your name, sobriquet, photographs (taken by Us, the Promoter or our agents), likeness, voice and/or caricature in connection with the competition and the advertising, publicising, exhibition and/or other exploitation thereof in any manner.

You shall have no claim whatsoever for any compensation in relation to the aforementioned.

You are prohibited from acknowledging, making known or divulging any information pertaining to being a winner to any media, unless You are in possession of Our prior written authorisation.

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LIMITATION OF LIABILITY RELATING TO COMPETITIONS

Click here to read the Limitation of Liability provisions relating to Competitions.

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IF THE COMPETITION PRIZE CONSTITUTES, IN WHOLE OR IN PART, TRAVEL RELATED ACTIVITY

Then these Terms and Conditions and in more particular the below terms and conditions, read with the relevant eBucks Travel terms and conditions applies mutatis mutandis (i.e. with the necessary changes), to the competition and the prize.

Costs

We shall only be liable for those costs of the prize as expressly stated in the Itinerary. All other costs, notwithstanding such additional costs being associated, directly or indirectly, with Our expenditure obligations, shall be for the sole account of the competition winner.

Special requests

The competition winner must make all special requests known in writing to the Travel Agent as determined in terms of the competition (We may be designated in terms of the Competition as a Travel Agent) The Travel Agent will endeavour to comply with the special requests, which will be for the sole cost of the competition winner, but the Travel Agent can not guarantee that such requests will be met.

Itinerary variations

Whilst every effort is made to keep to all confirmed itineraries, the Travel Agent reserves the right to make changes thereto if deemed necessary by the Travel Agent or is advisable to do so or if for the competition winner's convenience. The Travel Agent may consider a competition winner's reasonable request to alter the arrival and departure times, but the Travel Agent is under no obligation to meet such requests. A competition winner's refusal/omission to strictly follow the contents of the Itinerary shall be deemed a material breach of these Terms and Conditions, and We reserve the right to cancel the agreement concluded between You and Us and any other relevant terms and conditions and claim damages and/or any other remedies We may have in law. Due to arrangements being made in advance, the Travel Agent has no control over airlines, hotels and / or other service providers who provide components of the travel portion of the prize and therefore changes and / or cancellations may, occasionally become necessary. Notwithstanding the Travel Agent having properly confirmed hotel accommodation, excursions, services, flights etc and in the event these become unavailable for whatever reason, the Travel Agent does not accept any liability.

Cancellation

We reserve the right to cancel, for whatsoever reason, any prize at any time prior to departure, in which event the competition winner will not have any claim against Us, the Promoters and/or any supplier of the prize.

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GENERAL

The winning competition entry for the relevant prize will be selected by way of a random system generated draw from the base of eligible entrants.

The competition's judges' decision is final and no correspondence will be entered into whatsoever. You will not dispute the judges' decision.

We will notify, as far as reasonably possible, winners by phone or through any other appropriate media. In the event that the winner can not be contacted, We reserve the right to disqualify the winner and replace him/her with another winner

By entering a competition, You automatically provide Us with the permission to communicate with You in relation to the competition. All communication with You shall be worded in English.

We will attempt to announce the winners on the Website or on any other appropriate media, within a week of doing the draw.

The winner shall not be allowed to transfer, assign, exchange or obtain a refund for the prize. The prize is incapable of being ceded or redeemed for cash and its terms are not subject to negotiation. The duration of the prize, if applicable, may not be extended.

If the winner is unable or chooses not to take up the prize within a period determined, in Our sole discretion, then We shall have the sole right to disqualify the winner and award the prize to any other person.

You agree to keep confidential any information about Us and the Promoter, received by You, as a result of Your participation in a competition.

Should Your conduct during the duration of the competition and the prize be deemed rude, abusive, unacceptable in any manner or be in contravention of any law, by-law or regulation or deemed otherwise unsuitable by Us or the Promoter, then We may, in our sole discretion, exclude You from the competition and/or cause You to forfeit the prize, without You having any claim whatsoever against Us and the Promoter for such exclusion from the competition and/or the forfeiture of the prize.

We reserve the right in Our sole discretion to disqualify You, should We find that You are tampering with the entry process or the operation of the competition or acting in violation of these Terms and Conditions and/or the competition's specific details, requirements and specific terms and conditions or otherwise in a disruptive and/or unethical manner.

We will keep Your personal details and information on prizes won, if any, for accounting purposes. We may be obliged to pass Your details on to the South African Revenue Services. You hereby undertake to comply with all tax obligations as a result of partaking in a competition and the awarding of any prizes and indemnify Us and the Promoter from any claims and/or damages arising from the non-compliance of any such tax obligations.

All information relating to the competition and published on any promotional material will form part of the terms and conditions of entry.

By participating in the competition, hosted on the Website, on any website of a Partner or Promoter or via the eBucks Contact Centre, You agree to be bound by these Terms and Conditions and any specific details, requirements and specific terms and conditions pertaining to a competition.

All information relating to a competition and published on any promotional material or on any other medium are hereby specifically incorporated into these Terms and Conditions,

For further information or queries, please contact eBucks on 087 320 3200.

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Competitions

Incredible Connection Competition 2018

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eBucks Travel Vlogger Competition

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Vision Works Spring Promotion & Competition: 25% off Designer Sunglasses AND stand a chance to win a Vision Works voucher.

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eBucks Travel September 2018 Competition

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eBucks Travel/Superbalist June 2018 competition

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eBucks Travel/Zando May 2018 competition

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Dis-Chem Pharmacies Flu Vaccine Competition

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eBucks Travel April 2018 competition

back to top Zando: Conditional Voucher (R250 off R1000; R450 off R1500; R650 off R2000)

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Win your share of eB200 000 at Engen Competition

back to top Zando: Conditional Voucher (R250 off R1000; R450 off R1500; R650 off R2000)

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Win your share of eB200 000 at Engen Competition

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Win a R10 000 Gift Card at Makro

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FNB Offers Pilot

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Tap into Summer Deals

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Win 1 of 40 Giftsets from Ascot Cosmetics

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Win a R2500 Gift Card at Makro

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Incredible Connection "Win back your Purchase Value" Competition 2017

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FNB - eBucks and Hamley's Summer Competition 2017

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NetFlorist & eBucks Shop Valentine's Day Competition 2018

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Campaigns

Sporting and outdoor week

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Travel week

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FNB Offers: Credit Card Spend Campaign

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FNB Offers "DIGITAL FINANCIAL TRANSACTION"

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FNB Offers "Credit Switch" Campaign

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FNB Offers "Personal Loan Take up" Campaign

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FNB Offers "Salary Deposit" Campaign

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FNB Offers "FNB APP DOWNLOAD, LOGIN AND REGISTRATION - GoldPremPCPW + Islamic" Campaign

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FNB Offers & Engen - Get R100 back in eBucks

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Black Friday

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Le Creuset 2018

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Gifting Week Arthur Kaplan: Discounted Gifting Offers

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The Barnyard Theatre: Experience for two for only R350

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Cyber Cellar: Discounted Gifting Offers

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Netflorist: R100 off R350 minimum spend

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Takealot: 30% off selected beauty, books and home products

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Vision Works: Get 25% off Designer sunglasses

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Gifting Week Arthur Kaplan: Discounted Gifting Offers

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The Barnyard Theatre: Experience for two for only R350

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Cyber Cellar: Discounted Gifting Offers

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Netflorist: R100 off R350 minimum spend

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Takealot: 30% off selected beauty, books and home products

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Vision Works: Get 25% off Designer sunglasses

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Netflorist: Discounted Technology & Gaming Offers

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Takalot.com: Discounted Technology Offers

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FNB/RMB Private Bank and eBucks Sorted Campaigns

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Uber: Get R100 off on each on your next 3 Uber rides

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FNB Offers "Credit Switch" Campaign

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FNB Offers "DIGITAL FINANCIAL TRANSACTION" Campaign

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FNB Offers: Credit Card Spend Campaign

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FNB Offers "DIGITAL FINANCIAL TRANSACTION"- Campaign

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FNB Offers "Personal Loan Take up - GOLD" Campaign

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FNB Offers "Salary Deposit" Campaign

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FNB Offers "FNB APP DOWNLOAD, LOGIN AND REGISTRATION - GOLD" Campaign

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FNB Offers & Engen - Get R100 back in eBucks

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Zando: Conditional Voucher for first time shoppers (30% off minimum spend of R500).

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Superbalist.com: Get R250 off your purchase of R650 or more

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Makro: Get rewarded with R100 off your next purchase at Makro Riversands

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eBucks Travel/Superbalist June 2018 Campaign

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Mother's Day campaign Arthur Kaplan Jewellers: 20% off all pendants

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Netflorist Mother's Day campaign

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Zando: Conditional Voucher (R450 off R650; R850 off R1 500; R2 000 off R2 500)

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Spend your eBucks at participating Engen Service stations

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One Day Only: Get R75 off your purchase

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Uber: Get up to R25 or R50 off your next Uber ride.

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The Barnyard Theatre - Autumn Break Specials

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Takalot.com: Discounted deals

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FNB and eBucks Holidays Campaigns

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FNB Offers "Load a Debit Order" Pilot

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FNB Offers "Load a Debit Order" Pilot 2

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FNB Offers "Swipe Your Card" Pilot

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FNB Offers "Swipe Your Card" Pilot 2

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FNB Offers "Swipe Your Card" Pilot - Easy

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FNB Offers "Electronic Banking" Pilot

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FNB Offers "Electronic Banking" Pilot 2

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FNB Offers "Electronic Banking" Pilot - Easy

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FNB Offers "Deposit Your Salary" Pilot

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FNB Offers "Deposit Your Salary" Pilot 2

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FNB Offers "Deposit Your Salary" Pilot - Easy

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FNB Offers "Take up a loan" Pilot - Easy

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FNB Offers "Take up a Funeral Policy Digitally" Pilot - Easy

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Superbalist.com: 20% off

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FNB and eBucks Summer Campaigns

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Arthur Kaplan Jewellers: Buy any 3 items and get the cheapest free

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The Barnyard Theatre: Buy 1 ticket, get 1 ticket free

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Netflorist: R100 off R350 minimum spend

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Zando: Conditional Voucher (R250 off R1000; R500 off R1500; R700 off R2000)

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Superbalist.com: Get R250 off your purchase of R500 or more

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Vision Works: Get 25% off Ray-Ban sunglasses

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Takalot.com: Discounted deals

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Yuppiechef: Get R100 off your purchase of R400 or more

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Takalot.com: Discounted deals

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Jet: 10% off Back to School products

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Superbalist.com: 20% off

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Netflorist: Lindt Chocolate Offer

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WIN A MILLION eBUCKS COMPETITION

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eBucks Travel/FNB Foreign Exchange March 2018 Competition

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Vision Works: Prescription Sunnies Promo

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eBucks Card

ELIGIBILITY FOR AN eBUCKS CARD

Before You are able to use Your eBucks Card, You must be a Member of the eBucks Rewards Programme.

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ACTIVATION OF YOUR eBUCKS CARD

We differentiate between an eBucks Personal Card (an eBucks Card issued in respect of a Personal eBucks Account) and an eBucks Business Card (an eBucks Card issued in respect of a Business eBucks Account.)

eBucks Personal Card

Upon receipt of your eBucks Personal Card, You will immediately be able to use Your eBucks Card at Our selected Partners' stores for purposes of earning eBucks and spending eBucks. In other words, We will automatically:

  • link Your Personal eBucks Account to Your relevant eBucks Personal Card for purposes of earning eBucks; and
  • allocate Your eBucks PIN to Your eBucks Personal Card

 

However, should You have registered for the eBucks Rewards Programme prior to 8 April 2009, then Your eBucks Personal Card will only be pre-activated for earning eBucks. In order to spend Your eBucks with Your eBucks Personal Card at Our selected Partners, You will first have to contact the eBucks Contact Centre on 087 320 3200 or log on to the Website, authenticating Yourself, and requesting that Your eBucks PIN be send to Your Selected Cell Phone Number. You will not be able to spend Your eBucks with Your eBucks Personal Card until such time that You have received Your eBucks PIN SMS notification/reminder on Your Selected Cell Phone.

eBucks Business Card

Upon receipt of your eBucks Business Card, You will only be able to use Your eBucks Business Card at Our selected Partners' stores for purposes of earning eBucks, whilst You will not able to spent You eBucks. In other words:

  • We will automatically link Your Business eBucks Account to Your relevant eBucks Business Card for purposes of earning eBucks; however;
  • In order for You to spend Your eBucks in one of Our Spend Partner's retail stores, Your Business' Transactor needs to log onto the Website and select an eBucks Business Card PIN for the eBucks Business Card. (Please note, that the eBucks Business Card's PIN will be different to the eBucks PIN's selected or generated for the Primary Member and Transactor).

For security purposes You must keep Your eBucks PIN/ eBucks Business Card PIN separate from Your eBucks Card.

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USE OF YOUR eBUCKS CARD

Your eBucks Card remains Our property and You must return it to Us immediately on Our request.

Only You may use Your eBucks Card on Your own purchases and You must ensure that no one else uses it.

You may only have one eBucks Card linked to Your eBucks Account.

A Business may have only one eBucks Card which can be used by either the Primary Member or the Transactor.

You may use Your eBucks Card to earn and/or spend Your eBucks when You purchase products and services at selected Partners.

You may also use Your eBucks Card to request Your eBucks balance enquiry at the point of sale of the selected Partners. Your eBucks Card may only be used at selected Partners' electronic points of sale devices. Your eBucks Card cannot be used for any transactions conducted at any ATM.

When You use Your eBucks Card to spend eBucks on products and services You purchase at selected Partners, You must enter Your eBucks PIN on the Partner's point of sale device before the transaction will be processed.

The purchase price at the Partner's point of sale will always be reflected in the Rand value and not the eBucks value.

You are responsible for ensuring that sufficient funds are available in Your eBucks Accounts before making a purchase and Your eBucks Accounts may never have a negative balance. You may, subject to the Partner's consent, pay, in part, for the products and services with eBucks (with Your eBucks Card) and in part with Rands (either cash, credit card or cheque, depending on the Partner's requirements). For part payment in Rands, it is in the Partner's sole discretion whether You will be able to earn eBucks on the Rand portion of that part payment.

We do not currently endorse any application software that allows You to digitally store your eBucks Card image or information on the application software. If You decide to use any such application software You do so entirely at Your own risk and You hereby indemnify Us against all losses or damages that You may incur due to You using such application software, including but not limited to: loss or damages resulting from the fraudulent use of Your eBucks Card image or information or the unauthorized use of Your personal information.

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RETURNS AND REFUNDS

All returns and refunds of the products and services purchased with Your eBucks Card are subject to each Partner's own returns and refunds policy.

Returns and refunds will only be accepted and made at the store at which You purchased the products and services.

If You wish to return products and services, subject to the Terms and Conditions, Service Terms and any other terms and conditions on the Website, purchased with Your eBucks Card, and You purchased the products and/or services entirely with Your eBucks, You will be reimbursed with either a credit note or in eBucks (not Rands) directly into Your eBucks Account, whichever is applicable. If however, You purchased the products and services in part with eBucks and in part with Rands, We will try to refund You the portion paid with eBucks. The Partner will be liable for amounts paid using Rands.

Partners will not refund Your eBucks Account directly. The refund request will be forwarded to Us, and We will try to credit Your eBucks Accounts with the eBucks amount.

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LOST, STOLEN OR DAMAGED eBUCKS CARDS

If Your eBucks Card has been lost, stolen, damaged and/or someone has used Your eBucks Card PIN/ eBucks Business Card PIN without Your authority, it is Your responsibility to immediately cancel Your eBucks Card either online at www.eBucks.com or by calling the eBucks Contact Centre on 087 320 3200.

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COURIER OPTION

Existing Personal Members with a Personal eBucks Account may as from 03 October 2012 acquire an eBucks Card through the eBucks Shop and have it couriered to them. There is no charge for the eBucks Card other than the delivery fee disclosed under FEES AND CHARGES. Any existing eBucks Card linked to Your eBucks profile will automatically be cancelled when you acquire a new eBucks Card through the eBucks Shop.

All newly registered Business Members who have supplied Us with a valid email address at the time of registration, will receive a welcome email with clear instructions on how to order a Business eBucks Card. If an email address was not provided upon registration or the email address provided is found not to be valid, such newly registered Business Members will have their eBucks Business Cards posted to them.

The eBucks Business Card is assigned and allocated against the business profile and not to the Primary Member or Transactor in their personal capacity.

Existing Business Members who do not have eBucks Business Cards or want to order a new eBucks Business Card can do so via courier or post.

If You choose to order a new or replacement eBucks Business Card via post, You will need to log into the Website and click on the Business card tab. You will then be required to cancel your old eBucks Business Card (where applicable) before you may proceed with your order for a new or replacement eBucks Business Card. Should You not receive your eBucks Business Card within 15 (fifteen) business days, You must contact the eBucks Contact Centre on 087 320 3200 for further assistance.

If you choose to order a new or replacement eBucks Business Card via courier, You will need to log into the Website to access the eBucks Shop tab. You can place your order by adding your eBucks Business Card to your shopping cart. You may pay for your delivery fee of eB40 (R40.00) with either Your eBucks Account or your FNB or RMB credit card or cheque account. Should You not receive your eBucks Business Card within 5 (five) business days, You must contact the eBucks Contact Centre on 087 320 3200 for further assistance. Notwithstanding the delivery fee stipulated above, your order placed with the eBucks Shop will be subject to the eBucks Shop specific terms and conditions which can be found under the eBucks Shop section. If you order any other items from the eBucks Shop at the same time, normal delivery periods and fees will apply.

When ordering a new eBucks Business Card from the eBucks Shop, any existing eBucks Business Cards allocated against the business profile will be automatically cancelled. Business Members will not have the option to order eBucks Business Cards from DotFNB amd Checkers/Dischem.

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eBucks Shop

eBUCKS SHOP

The eBucks Shop is an online shopping catalogue, located on Our Website, where You can spend Your eBucks.

All purchases made by contacting Our Contact Centre will be deemed to have been made via the eBucks Shop, in light of the fact that Our Contact Centre Agent will on Your behalf access the online eBucks Shop and electronically purchase those required goods and/or services upon Your instructions.

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eBUCKS SHOPPING BASKET

All Your offers to purchase goods and services in the eBucks Shop will be placed in a Shopping Basket until You Check Out.

Your Shopping Basket will automatically be saved if You log out from the eBucks Shop prior to Check Out. Once You visit again the eBucks Shop, all new offers to purchase goods and services will be added to Your previously saved Shopping Basket.

The saved Shopping Basket shall expire after 180 (one hundred and eighty) calendar days after You have made your last modification of the saved Shopping Basket. Expiry of the Shopping Basket will result in all Your saved offers to purchase goods and services being deleted and You will have no record thereof.

You can not save more than one Shopping Basket at a time.

You will be able to view at any time prior to Check Out the goods and services in Your Shopping Basket together with a description, price, delivery time and an indication of availability, for each such goods and/or service.

You may discard any goods or service in your Shopping Basket and accordingly withdraw your offer to purchase the relevant goods or service in your Shopping Basket at any time prior to Check Out.

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SPENDING IN THE eBUCKS SHOP

The goods and/or services in the eBucks Shop are subject to availability and will vary from time to time. Please remember that all goods and services in the eBucks Shop are detailed in the product description and do not include the accessories which may be shown in the image which accompanies the goods and/or services description (e.g. batteries and gas cylinders).

Although certain goods and services are advertised in the eBucks Shop, most of Our goods and services are supplied to Us by Our Suppliers to whom You must refer all complaints and queries. Please see Our note on Suppliers as defined by the Electronic Communications and Transactions Act 25 of 2002. We do not own the goods or services, hold physical stock of the goods, have any control over stock availability or guarantee that the goods and/or services will always be available. If We are the Suppliers of goods and services You may refer Your queries and complaints to Us.

Goods and services advertised in Our marketing material are limited by stock availability and We have no obligation, subject to the provisions of the Consumer Protection Act, when and if applicable, to make available any goods and/or services for whatsoever reason including for reason being that such goods and services have been sold out, even if it still appears in the marketing material.

If goods and/or services becomes unavailable during or after Your purchase of it, and should it not be possible for Us to fill the order with replacement goods and/or services, We will try to inform You within 7 (seven) Business Days of the unavailability of the goods/services purchased, and the full purchase price which may have been withdrawn from Your eBucks Account or Your FNB or RMB credit card or cheque account will be refunded to You as soon as is reasonable possible, subject to the returns and refund rules set out in a separate section of these Terms and Conditions below.

If Your FNB or RMB Private Bank credit card or cheque card has not been registered for Verified by Visa You will have to log into FNB Online Banking and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your FNB or RMB Private Bank credit card or cheque card.

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BUSINESSES AND THE eBUCKS SHOP

Certain special offers relating to Businesses may only be available to Members with Business eBucks Accounts.

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PURCHASE OF CHILDREN'S GOODS AND TOYS

When purchasing children's goods and toys via the eBucks Shop, You must ensure that these goods and toys are used for the age group as described on the packaging, for the purpose for which they were designed and with parental supervision.

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PURCHASE OF VIRTUAL VOUCHERS

All Virtual Vouchers will be delivered to the recipient within 24 (twenty-four) hours after purchase. All multiple Virtual Vouchers will be printed separately as tickets or vouchers (where ever applicable) at the point of collection. No refunds will be allowed on any Virtual Voucher purchases. Any requests for a Virtual Voucher to be re-sent will attract a fee of eB50.

IMPORTANT: All Virtual Vouchers will be valid for a period of 3 (three) years from the date the Virtual Voucher was issued, unless its full value has been redeemed in exchange for goods or services or future access to services before the expiry of the 3 (three) year period).

A Cinema Nouveau Virtual Voucher and the subsequent printed ticket can be collected and used at any Ster-Kinekor theatre nationwide, however collection of the printed ticket and/or use thereof at any Ster-Kinekor theater other than at a Cinema Nouveau theater, will result in You forfeiting the difference in price between a Cinema Nouveau Virtual Voucher and that of any other Ster Kinekor theatre's Virtual Voucher. A Classic Virtual Voucher and the subsequent printed ticket can be collected and used at any Classic, Junction or Budget Ster-Kinekor theatre nationwide, however collection of the printed ticket and/or use thereof at a Junction or Budget Ster-Kinekor theatre, will result in You forfeiting the difference in price between a Classic Virtual Voucher and that of Junction or Budget Virtual Voucher (which ever is applicable). A Junction Virtual Voucher and the subsequent printed ticket can only be collected and used at the Junction theatres nationwide. Please note that cinemas will not give refunds for any Virtual Voucher purchased and/or the subsequent printed ticket collected at the cinemas.

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PURCHASE OF ALCOHOL

Only persons over the age of 18 (eighteen) years may order and purchase alcohol from our licensed external Suppliers via the eBucks Shop. We will not process the payment for the purchase of alcohol to any person under the age of 18 (eighteen) years. The licensed Suppliers' own Services Terms will apply to the transaction and the items purchased from them will be delivered to You by the Supplier of the alcohol.

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DELIVERY

  • Delivery of products

    But for a few exceptions mentioned hereunder, goods that You purchase in the eBucks Shop will only be delivered to a South African residential street address (i.e. not to a postal address), chosen by You on Your purchase of the goods.

    Exceptions to the rule that goods will only be delivered to a residential street address includes the following:

    • Virtual Vouchers are sent by SMS to Your designated cellular phone number;
    • Airtime is automatically uploaded onto a designated cellular phone within 24 (twenty-four) hours;

    The residential street address chosen by You must be within the borders of the Republic of South Africa. We do not deliver to all areas in the Republic of South Africa and We will inform You telephonically if Your residential street address falls in an area to which We do not deliver.

    If You request that the goods purchased in the eBucks Shop be delivered to a place of work, then the Recipient will be deemed to have accepted the goods on the date and time of signature by the Recipient. We will not be held responsible or liable for any loss, damage or theft of the goods by such Recipient or any other person.

    We will not be able to change the delivery address once You place Your order.

    It is the Recipient's responsibility to ensure on delivery that the seals of the goods have not been broken or tampered with. If the seals has been broken or tampered with, You must contact the eBucks Contact Centre on 087 320 3200 within 24 hours of delivery to advise Us of the condition of the goods on delivery.

  • Delivery Fees

    The Website will automatically calculate one Delivery Fee for each Shopping Basket, which is separate from any Additional Delivery Fees,

    The Delivery Fee shall be included in the final Shopping Basket price, which final price You will have to accept upon Check Out in order to conclude the transaction.

  • Additional Delivery Fees

    An additional delivery fee may be charged for the delivery of goods to an area to which We do not usually deliver. You must however, give Your prior written approval for this additional delivery fee to be deducted from either Your eBucks Account or your FNB or RMB credit card or cheque account.

    Should You fail/omit to provide Us with Your written approval for deducting this Additional Delivery Fee within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase without Us incurring any liability whatsoever for such termination.

    If We attempt to deliver goods at a place and time agreed with You and You, Your domestic worker, security officer or the Recipient is unavailable to take delivery, a second and possible further attempts to deliver the goods will carry, in our sole discretion, an additional charge for each attempt. You will then be required to approve the additional charge for each attempt, which will be deducted from Your eBucks Account or Your FNB or RMB credit card or cheque account. Should You fail to approve this additional charge for each attempt, within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase and charge You the Delivery Fee, applicable Additional Delivery Fees and abovementioned additional charges for each attempt, without Us incurring any liability whatsoever for such termination.

    We shall in Our sole discretion decide whether We shall attempt to deliver the products after the first attempt.

  • Estimated Delivery Times

    The delivery period for different products may vary depending on the type of product and the availability of the product.

    Save for goods and services delivered by post, SMS or uploaded on a cellular phone, the Website shall automatically inform You, prior to Check Out, of the delivery time of each of the goods in the Shopping Basket, however all the goods in your Shopping Basket will be delivered at the same time. Accordingly, the delivery period of all products in Your Shopping Basket, shall constitute the delivery period of the goods with the longest delivery period.

    The delivery time of goods delivered by post, SMS or uploaded on a cellular phone will be solely dependant on the South African Postal Services or the relevant cell phone operators, respectively.

    We will not be liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for any loss or damage You may suffer if the goods are not delivered within the estimated delivery times specified above

  • Same-day delivery service
    1. The same-day delivery service only applies to selected post codes within Johannesburg. Please view the list of the selected postcodes prior to requesting the same-day service (such list, referred to as the “Designated Area List”). (Click here to view the Shop Express Designated Area List) (Click here to view the Netflorist Designated Area List).
    2. To qualify for the same-day delivery service –
      1. products must be purchased from the same-day delivery category; and
      2. �the order must be placed before 12H00 on the day the delivery is required (such time, referred to as the “Cut-off Time”).
    3. If You place an order for a delivery to an area that does not appear on the Designated Area List, such order will be delivered in accordance with the standard delivery period of up to 7 (seven) days. No refund will then be issued for the same-day delivery fee.
    4. In the event that an order is placed and received by Us after the Cut-Off Time, the products will be delivered on the next Business Day. No refund will then be issued for the same-day delivery fee.
    5. The same-day delivery service is offered for Business Days only.
    6. You will need to accept and sign for receipt of a delivery. The contents of the delivery cannot be left unattended to at Your specified address.
    7. You must be available to accept the delivery when the delivery representative arrives.  The delivery representative will wait for a period of 10 (ten) minutes from arrival (such period, referred to as the “Delivery Period”).
    8. If You do not accept the delivery during the Delivery Period, there will be a second attempt to deliver the product/s on the next Business Day.� No refund will then be issued for the same-day delivery fee.
    9. Same-day deliveries will take place between 08H00 and 18H00. Delivery times cannot be guaranteed.
    10. Cancellations of orders need to be communicated to Us by 12H00 on the day the goods were scheduled to be delivered. Please contact the eBucks contact centre to communicate any cancellations.
    11. All the products in your Shopping Basket will be delivered at the same time. Accordingly, the delivery period of all products in Your Shopping Basket, shall constitute the delivery period of the goods with the longest delivery period and with the highest delivery fee.
    12. Please ensure that You check Our Website for the same-day delivery service fees, which are subject to change from time to time.
    13. The same-day delivery service will be available from time to time, at Our discretion. Please ensure that You check Our website regularly. The following terms and conditions will apply when the same-day service is offered.
  • Tracking Your order

    To track Your order, contact the eBucks Contact Centre on 087 320 3200 and quote Your purchase reference number or alternatively You could track Your order on the Website.

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PRICING

  • Pricing of products

    We reserve the right to change the selling price of any goods and/or services from time to time without any prior notification.

    We will not enter into any negotiations regarding the price of the eBucks Shop goods and services.

    We do not warrant fix prices and the availability of goods and services in a Shopping Basket saved prior to Check Out for later use and accordingly accepts no liability whatsoever, subject to the provisions of the Consumer Protection Act, when and if applicable, for such price fluctuations and goods and services non-availability. The Website will automatically inform You of such changes once You re-enter your saved Shopping Basket and prior to Check Out.

  • Vouchers including Virtual Vouchers

    Vouchers are only available in denominations as advertised on the eBucks Shop or through the eBucks Contact Centre.

  • Errors and Omissions

    We reserve the right to correct at any stage all errors and omissions of the advertised prices of goods, services, Delivery Fees and Additional Delivery Fees.

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RETURNS & REFUNDS

Subject to the provisions of the Consumer Protection Act, when and if applicable:

All returns and refunds are subject to Our Suppliers' returns and refunds policies and Service Terms and We therefore do not guarantee the replacement of returned goods, as this is subject to the Suppliers' stock availability and Service Terms.

You may only return goods or request a refund in the following circumstances:

  • if the goods are damaged prior to delivery;
  • if the goods are faulty on delivery;
  • if the incorrect goods were delivered; or
  • enforcing the "cooling-off period" as described elsewhere in these Terms and Conditions.

No returns or refunds will be accepted after 6 (six) Business Days of delivery of the product.

Vouchers may not be cancelled or refunded if lost or stolen.

The goods will not, under any circumstances, be returned or refunded, unless the goods are in their unopened packaging or in their original condition and repackaged in their original packaging.

Prepaid airtime and travel-related tickets purchased are not refundable under any circumstances.

Suppliers will provide You with a credit note should the entire denomination of the voucher not be spent. Cash refunds will not be entertained in such instances.

If the content of the package was not checked on delivery, and You received the incorrect voucher denominations on opening, You must complete an affidavit and open a case at Your local police station and advise the eBucks Contact Centre on 087 320 3200 before Your request for a refund can be considered.

We will assist You in all refund requests, but all requests must first be made to the eBucks Contact Centre and only after a call is logged with the eBucks Contact Centre will Your request for a refund be forwarded to the Supplier.

If You transacted in Rand we will refund You in Rand to the FNB or RMB Private Bank credit card or cheque account that You used for the transaction. If You transacted in eBucks we will credit the eBucks Account You used for the transaction. If a part payment occurred using both eBucks and Rand and there was one product in the Shopping Basket we will refund You in eBucks and in Rand, in the same proportion in which you transacted in eBucks and Rand.If the Shopping Basket contained more than one product we will refund You in eBucks first, up to the full amount of eBucks used for the entire Shopping Basket transaction, and then the remainder, if applicable, in Rand.

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Dis-Chem Gift Card Terms and Conditions

  1. The Dis-Chem gift card ("card") has no value until paid for by You and activated by Us.
  2. The minimum value that We will load on a card is R50.00 (fifty Rand).
  3. The card can only be used to redeem goods and sevices in Dis-Chem stores in South Africa.
  4. If the card is presented to a Dis-Chem cashier at the time of purchase, the available balance will be applied to your purchase.
  5. You can view the balance on the card at Dis-Chem's customer service desks.
  6. The card cannot be exchanged for cash nor will cash be given as change.
  7. You are liable to Us for any unathorised amounts activated on the card and You authorise us to debit your eBucks Account for any such amounts.
  8. If lost or stolen the Card cannot be replaced and You will loose the unused balance on the card.
  9. The consideration paid for the card remains the property of the bearer of the card, until the earlier of the card balance expiring, or the consideration paid for the card being redeemed for goods and services at Dis-Chem.
  10. Neither We nor Dis-Chem will be liable for lost or stolen cards delivered to Your designated address.
  11. The unused balance on the card will expire three years after it was issued by Us and will then be donated to the Dis-Chem Foundation for charitable donations.
  12. The date that the card is issued, as contemplated in S63 of the Consumer Protection Act, is the card purchase date.
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DISCOUNTS IN THE eBUCKS SHOP

If You are an FNB or RMB Private Bank customer and comply with all the discount rules below then You will qualify for discounts on the eBucks Shop and the FNB Banking App.

Unless expressly otherwise stated in these Terms and Conditions discounts are only available if You purchase discounted products directly from the eBucks Shop, through the FNB Banking App, or, if you qualify, through the Lifestyle Desk acting on Your instructions.

The advertised percentage discount will be calculated on the product's total non-discounted relevant eBucks or Rand price. A product's discounted eBucks price will be rounded off to the nearest 10 (ten) cents.

We reserve the right subject to the provisions of the Consumer Protection Act, when and if applicable, to withdraw or change, from time to time and without prior notification, any advertised discount on any goods and services. You will not hold Us liable and We will not incur any liability for any damages, howsoever arising, which You may have suffered, relating directly or indirectly to such withdrawal or change of an advertised discount.

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DISCOUNT QUALIFYING RULES

To qualify for discounts on discounted products purchased online through the eBucks Shop or the FNB Banking App:

  1. You must be an FNB or RMB Private Bank customer and a Personal Member of the eBucks Rewards Programme with one or more FNB or RMB Private Bank Qualifying Account(s).
  2. You must satisfy the Qualifying Criteria associated with Your Qualifying Accounts, including but not limited to Your FNB and RMB Private Bank accounts being active and in Good Standing.
  3. Your discount status must reflect on our systems as qualified for discounts.
  4. Your Rewards Level and your Discount Level must entitle You to a discount on discounted products.
  5. Payment for the discounted products must be made from Your Personal eBucks Account as discounts are not available to Business Members.
  6. Discounted
  7. products must be purchased using eBucks only. Purchases in Rand or partly in Rand will not qualify for discounts.
  8. Delivery fees can be paid for in eBucks or in Rand.
  9. Discounted products are subject to stock availability.
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DISCOUNT LEVELS

Your Discount Level will determine the size of Your discount on discounted products purchased online through the eBucks Shop or the FNB Banking App:

  1. Your Discount Level is determined by Your Rewards Level. If you have different Rewards Levels for different FNB or RMB Private Bank Qualifying Accounts Your highest Rewards Level will determine Your Discount Level.
  2. Your Discount Level and the discount You qualify for on discounted products will be reflected in the eBucks Shop or on the FNB Banking App once You have logged in.. Prior to log in the highest potential available discount based on the highest possible Discount Level will be illustrated which may not be applicable to You and Your Discount Level.
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DISCOUNT STATUS

We will give You one of the following 2 (two) discount statuses, each of which will impose different rights and obligations on You relating to accessing the available discounts online through the eBucks Shop or the FNB Banking App:

  1. Qualified for Discounts: If You comply with all the discount qualifying rules You will be granted a "qualified for discounts" status. This status will provide You with access to all the available discounted products online through the eBucks Shop and the FNB Banking App.
  2. Not Qualified for Discounts: If You are not fully compliant with all the discount qualification rules, You will have a "not qualified for discounts" status. This status will disqualify You from all the available discounted products online through the eBucks Shop and the FNB Banking App.
  3. A Member with a "not qualified for discount" status will immediately receive a "qualified for discounts status" once the Member fully complies with all the discount qualification rules.
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DISCOUNT THRESHOLDS

The following monthly Discount Thresholds will apply with regards to the vouchers offered at a discount in the eBucks Shop and through the FNB Banking App:

New FNB Gold FNB Premier FNB Private Clients FNB Private Wealth /
RMB Private Bank
Monthly Discounted Voucher Threshold R500 R1000 R1500 R2000
Your Reward level Your Discount level Monthly Discount Saving Monthly Discount Saving Monthly Discount Saving Monthly Discount Saving
5 40% eB2 000 eB4 000 eB6 000 eB8 000
R 200 R 400 R 600 R 800
4 30% eB1 500 eB3 000 eB4 500 eB6 000
R 150 R 300 R 450 R 600
3 20% eB1 000 eB2 000 eB3 000 eB4 000
R 100 R 200 R 300 R 400
2 10% eB500 eB1 000 eB1 500 eB2 000
R 50 R 100 R 150 R 200
1 5% eB250 eB500 eB750 eB1 000
R 25 R 50 R 75 R 100

These monthly Discount Thresholds will be applied to all discounted voucher purchases made by You from the eBucks Shop or through the FNB Banking App.

Once You have reached the Discount Threshold, You will no longer qualify for any further discounts on any vouchers offered at a discount on the eBucks Shop or through the FNB Banking App. You can continue to purchase vouchers using your eBucks, however no discounts will be applied to the purchase value of the voucher at checkout.

We reserve the right subject to the provisions of the Consumer Protection Act, to withdraw or change the Discount Thresholds and the product(s) to which the Thresholds apply from time to time and without prior notification.

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PROHIBITION AGAINST RESELLING DISCOUNTED PRODUCTS

  1. You may not resell or offer to resell any product which You have purchased on discount from Us.
  2. Your conduct will irrefutably be deemed misconduct, a breach of these Terms and Conditions and an abuse of the eBucks Rewards Programme If You offer to sell or have resold any such discounted products and We reserve Our right to take appropriate action against You as explained elsewhere in these Terms and Conditions.
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REFUNDS FOR DISCOUNTED PRODUCTS PURCHASED

  1. If We, in our sole discretion, decide to give You Your requested refund for a purchased discounted product, You will only receive a refund up to the maximum of the amount which You actually paid for the product(s) after taking the discount into account.
  2. Under no circumstance whatsoever will We grant You a refund calculated on the non-discounted price of the product, irrespective of what prejudice or damage You may have suffered as a result of the refund.
  3. Please refer to RETURNS AND REFUNDS elsewhere in these Terms and Conditions for the rules concerning when We will refund you in eBucks and when in Rand.

 

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eBucks Partners

By being a Member of the eBucks Rewards Programme You are able to shop online via selected Online Partners.

By shopping with Our Online Partners, via their websites, You are provided with direct access to online shopping and paying with your eBucks by selecting the eBucks Payment Solution at the checkout point on the websites of Online Partners.

You can therefore make payment for your online purchases from a selected account on Your eBucks Account profile, without disclosing Your personal or business financial details to Online Partners.

You may pay for your online purchases in eBucks, Rand, or part pay in eBucks and Rand. Certain Online Partners may restrict Your payment options to eBucks only if you elect to pay with eBucks.

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SHOPPING ON ONLINE PARTNERS' WEBSITES

You are only able to shop on an Online Partners' website, using the eBucks Payment Solution, if You have registered as a Member of the eBucks Rewards Programme.

The price of the product purchased on the Online Partner's website, plus their delivery fee, is the amount that can be paid from Your eBucks Account, if you have sufficient eBucks available.

Certain Online Partners allow You to pay a portion of the amount due to them using your eBucks and the balance due to them with the other payment options available on the Online Partner's website.

All transactions and purchases made by You or from Your eBucks Account on the Online Partner's website are also subject to the Online Partner's own Service Terms.

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THE ONLINE PARTNER AND YOU

Once You have purchased a product or service from one of Our Online Partners, via their website, all queries relating to Service Terms returns and refunds, delivery and pricing are a matter between You and that Online Partner. Our role is confined to providing a convenient eBucks Payment Solution to enable you to spend Your eBucks when making purchases on Online Partners' websites.

We are not responsible for the stock holding or delivery of any product purchased on Our Online Partner's websites. This is the sole responsibility of the Online Partner. Should an Online Partner be out of stock of the product purchased, any delay or back order is solely the responsibility of the Online Partner. We provide a payment mechanism for the purchase of products and services on Online Partners' websites. We have no control over the operation of the Online Partner's business, including the products or services they promote or sell.

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ONLINE PARTNER REFUNDS

All returns and refunds are subject to the Online Partner's returns and refunds policies and Service Terms.

If the Online Partner authorises a refund to You in respect of a transaction using the eBucks Payment Solution, the Online Partner may authorise Us to credit the eBucks Account You used with the eBucks portion of the transaction.

The Online Partner will be responsible for initiating the request to credit the eBucks Account You used when transacting. Any requests for a refund in eBucks must be directed to the Online Partner. If the Online Partner authorises the refund it may not exceed the amount of eBucks You used when transacting.

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REWARDS FOR UBER TRANSACTIONS

Depending on Your Reward Level, Qualifying Members can earn up to 15% back in eBucks from FirstRand Bank Limited when paying for Your qualifying Uber rides by linking Your qualifying FNB or RMB Private Bank Account, Your Qualifying Business Account or FNB Business Credit Card as part of the Transport category. Please refer to Our Website for further details concerning the eBucks earn rules, and Qualification Criteria, the Reward Levels and the qualifying FNB or RMB Private Bank Accounts and the Qualifying Business Accounts.

Even if You qualify for rewards You will not earn eBucks on qualifying Uber transactions in the following circumstances: if the Uber ride is outside the borders of the Republic of South Africa; if Uber refuses to accept Your FirstRand Bank Cards for any reason; if the Product House cannot identify qualifying Uber transactions at the time the transaction is processed by Uber for any reason, including but not limited Uber not processing the transaction correctly; the Qualifying Account being dormant or closed; or the Qualifying Uber transaction constituting a fraudulent transaction.

Uber is an App based service which enables registered users to find and pay for rides with drivers contracted by Uber and registered on the Uber App. Uber is responsible for the Uber App and merely acts as a facilitator. The transport service is provided by the actual driver.

It is Your responsibility to ensure that the Uber contracted driver has the required licences and insurance to transport You. We do not warrant either Uber and/or the Uber contracted driver's compliance with necessary regulatory and local law requirements with regard to the provisions of the services to You.

Uber reserves the right to implement 'surge' prices when the demand for rides increases substantially in certain locations and at certain times. Uber will notify You that surge pricing has been implemented when You use the App. If You accept the service and take the ride, You agree to and take full responsibility for the higher fee payable.

We are not responsible for the Uber App services or for the services provided to You by the Uber contracted driver. You make use of these services entirely at your own risk and are solely responsible for ensuring that you understand the services offered by Uber and the Uber contracted drivers. You acknowledge that before using the service you will read and understand the Uber user terms and policies, including the Uber privacy policy, available at: https://www.uber.com. It is your responsibility to ensure that You have read and understood the user terms and policies before making use of the services.

We will not be liable for any loss or damage which You, including anyone travelling with You, may incur, suffer or attract (including, without limitation, any direct, indirect, special, incidental or consequential damages, whether arising out of contract, statute or delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage) arising from Your interactions with Uber and/or the Uber contracted driver, or the utilisation of their services. These matters are solely between You and Uber and/or the Uber contracted drivers and We accept no liability, to the fullest extent allowed in law, whatsoever for any such dealings.

We will not entertain any requests from any person to mediate or resolve any dispute between You and Uber and/or the Uber contracted drivers. Any such requests or any service issues or complaints concerning Uber and the Uber contracted drivers must be directed to Uber directly.

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eBucks Travel

eBucks Travel is a travel shop which sources a variety of air travel, accommodation, car hire deals and travel packages for you from a number of Suppliers like airlines, hotel groups, car hire companies and other travel related companies and enables you to purchase these products and services using one of our various channels, namely our website, the Travel App on the FNB App or by calling our Travel Desk.

These Terms and Conditions must be read with our EBUCKS REWARDS PROGRAMME TERMS AND CONDITIONS, DISCLAIMERS, WARRANTIES AND LIMITATION OF LIABILITY PROVISIONS, PRIVACY POLICY and LIFESTYLE DESK TERMS AND CONDITIONS, which may be accessed under the Lifestyle Tab after log-in. These terms and conditions form the entire agreement between you and us regarding your participation in the eBucks Rewards Programme, if applicable, and your purchase of an eBucks Travel product or service.

We act as an agent for these Suppliers by accepting Bookings and payments from you on their behalf. Each Booking for a travel product from a Supplier will constitute a direct agreement between you and the relevant Supplier on that Supplier's Service Terms. Each Supplier's Service Terms can be obtained from the relevant Supplier and it is your responsibility to familiarize yourself with their terms before submitting a booking. Meaning that your rights pertaining to the travel product are enforceable against the Supplier only and are regulated by their specific Service Terms, whereas these terms and conditions apply to the processes described herein only and determine the rights and obligations you have against us in respect of such processes only.

By making Bookings with these Suppliers through our channels, you consent to your and your travel companions' relevant personal information being made available to the Supplier to process the reservation and the transaction and to the relevant personal information being retained by Supplier and their suppliers and service providers, where applicable, in accordance with prevailing legislation.

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eBUCKS TRAVEL PAYMENT OPTIONS

This section must be read with the PAYMENT OPTIONS IN THE eBUCKS SHOP which apply to the eBucks Rewards programme in general.

eBucks Travel Online:

  • Payment can be made in either eBucks or Rand or a combination of eBucks and Rand.
  • You may not split your payment between more than one eBucks Account or Rand account.
  • Payment in eBucks can be made from your personal eBucks Account. and eBucks Business Account
    - Register your Business Account in a personal capacity on eBucks.com in order to pay with your Business Account on eBucks Travel.
  • Payment in Rand must be made from a FNB or RMB Private Bank credit card or cheque account.
  • No debit cards or payments from other bank cards or accounts are accepted.

Travel App:

  • Payment can be made in either eBucks or Rand or a combination of eBucks and Rand.
  • You may not split your payment between more than one eBucks Account or Rand account.
  • Payment in eBucks can be made from your personal eBucks Account. and eBucks Business Account
    - Register your Business Account in a personal capacity on eBucks.com in order to pay with your Business Account on eBucks Travel.
  • Payment in Rand must be made from a FNB or RMB Private Bank credit card or cheque account.
  • No debit cards or payments from other bank cards or accounts are accepted.

eBucks Travel Desk Payment:

  • Payment can be made in either eBucks or Rand or a combination of eBucks and Rand.
  • You may not split your payment between more than one eBucks Account or Rand account.
  • Payment in eBucks can be made from your personal eBucks Account. and eBucks Business Account
    - Register your Business Account in a personal capacity on eBucks.com in order to pay with your Business Account on eBucks Travel.
  • Payment in Rand must be made from a FNB or RMB Private Bank credit card or cheque account.
  • No debit cards or payments from other bank cards or accounts are accepted.
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eBUCKS TRAVEL OFFER AND ACCEPTANCE

  • You acknowledge that advertising and placing eBucks Travel products on our Website, Travel App or through the eBucks Travel Desk or quoting the price of eBucks Travel products are not considered an offer to purchase.
  • For bookings made via the eBucks travel desk, once we receive your signed travel confirmation form or your telephonic confirmation of a booking, your booking will constitute an offer to purchase to us in accordance with the eBucks Travel terms and conditions as well as the relevant travel product Service Terms. We will then contact the Supplier to ensure that the Travel product enquired about is still available and at the quoted price, if not we will revert to you with an alternative similarly priced Travel product or the new pricing on the selected Travel product on a new travel confirmation form.
  • Once we accept your offer, a binding agreement is then concluded between us. For bookings made via our Website or the Travel App, your offer to purchase will be made when you confirm your booking. If you are booking using the Travel Desk to book on your behalf on our Website, your offer to purchase will be made when you confirm your booking telephonically.
  • Notwithstanding any other terms and conditions contained in these Terms and Conditions or in any other document, your offer will only be accepted once your booking has been made and confirmed and payment has been received for the booking.
  • We retain in our sole discretion the right to accept or reject your offer.
  • If You make an eBucks Travel booking via the Website or the Travel App, we will summarise on an online confirmation from the details of those eBucks Travel products which you have selected to purchase as well as your payment option. You will be requested on the aforesaid online confirmation form to accept our Terms and Conditions by clicking on the space provided. Once You have accepted Our Terms and Conditions, then you will be required to click on the "Pay Now" button. Only once you have clicked on the "Pay Now" button will your booking be reserved and purchased simultaneously.

It is your responsibility to ensure the correctness of the information provided by you when making your booking. Under no circumstances will we refund you, should you have made a mistake relating to the details of your purchased eBucks Travel product in the event that a Supplier will not permit changes to be made to the booking at an additional cost.

Since all eBucks Travel products and related services and activities are provided by Suppliers to eBucks Travel, we do not, subject to the provisions of the Consumer Protection Act, when and if applicable, accept liability for any actions, errors or omissions on the part of any Suppliers and/or any other service providers, which are governed by their respective rules, regulations and Service Terms.

You acknowledge that some Suppliers offering certain services and activities may require you and your travel partners to sign their liability waiver and additional terms and conditions prior to participating in the service and/or activity they offer. You understand that any violation of any such Supplier's rules and restrictions may result in cancellation of your and/or your travel partners' reservation(s), in you and/or your travel partners being denied access to the applicable travel product, in you and your travel partners forfeiting any monies paid for such reservation(s), and/or in our debiting your accounts and/or holding you liable for any costs we incur as a result of such violation.

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TRAVEL PRODUCT DESCRIPTIONS, PRICING AND AVAILABILITY

The descriptions provided for eBucks Travel products on our various platforms are as provided to us by the relevant Supplier. eBucks Travel in no way endorse any of the Travel products provided by our Suppliers nor do we control the pricing, availability or delivery of these products; therefore we cannot be held responsible for any inaccuracies, changes in pricing, unavailability or quality of a Travel product.

The availability of any Travel product for bookings to be made via our Website, Travel App or the eBucks Travel desk are dependent on the availability of the Supplier's Travel products. We may without prior notice change the description or pricing or even discontinue the availability of Travel products which are available via our Website, Travel App and eBucks Travel Desk. Special promotions may be subject to certain additional terms and conditions.

All Travel Product prices are quoted in South African Rand. Prices are valid at the time of quotation and can only be guaranteed once payment has been received in full. Where a Travel product has an international element and the quoted rates are based on another currency other than South African Rand, the amount quoted will be dependent on such fluctuations, which cannot be predicted by us in advance. The applicable rate of exchange which will be applied to your booking can only be confirmed once payment has been made in full for your booking. We reserve the right to charge you the product's actual price as increased by currency fluctuations as well as any surcharges imposed by a Supplier to cover increases in transportation costs, including the costs of fuel and security charges, taxes or fees chargeable for services such as landing taxes or embarkation or disembarkation fees at ports and airports.

For the avoidance of doubt, it is recorded that we reserve the right to charge you the product's increased price, notwithstanding the fact that you have already signed or confirmed acceptance of the travel confirmation form. We will however first request your permission to deduct from your relevant account(s) such product's increased price and should you omit or refuse to provide us with the required consent, then we will not proceed to book the product on your behalf.

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eBUCKS TRAVEL SPECIFIC FEES AND CHARGES

The eBucks Travel fees and charges specified below are in addition to general eBucks Rewards Programme fees and charges, the eBucks Travel product purchase price and any Supplier specific fees and charges that may be imposed by Suppliers. The eBucks Travel product purchase price and all fees and charges will be debited directly to Your nominated FNB cheque account, credit card or eBucks Account. Our fees and charges are not refundable.

eBucks Travel charges a minimal booking fee, either per passenger or per booking, dependent on the Travel product being booked, for each booking, change or cancellation to a booking that you make with eBucks Travel via eBucks Online, the Travel App and/or eBucks Travel telephonically. Booking fees are non-refundable.

AIRLINES TICKETS: (charged per PERSON)

NEW BOOKING FEES

Domestic Bookings

21 days or more before departure date

R40*

8 to 20 days before departure date

R60*

7 days or less before departure date

R80*

*Maximum fee per booking is R200

International Bookings

Standard fee

R300*

*Maximum fee per booking is R1200

CHANGE BOOKING FEES

Domestic Bookings

Standard fee

R100

International Bookings

Standard fee

R250

REFUND FEE

Domestic Bookings

Standard fee

R100

International Bookings

Standard fee

R250

CAR RENTAL: (charged per BOOKING)

NEW BOOKING FEES

Domestic Bookings

Standard fee

R60

International Bookings

Standard fee

R150

CHANGE BOOKING FEES

Domestic Bookings

Standard Fee

R60

International Bookings

Standard Fee

R150

REFUND FEE

Domestic Bookings

Standard Fee

R100

International Fee

Standard fee

R200

AVIS P2P - paid for services (charged per BOOKING)

CHANGE BOOKING FEES

Standard Fee

R60

REFUND FEE

Standard Fee

R100

ACCOMMODATION & PACKAGES (charged per BOOKING)

NEW BOOKING FEES

Domestic Bookings

Standard fee

R150*

International Bookings

Standard fee

R250*

*For last minute bookings made within 48 hours of departure, an additional R200 will be charged

CHANGE BOOKING FEES

DomesticBookings

Standard Fee

R150

International Bookings

Standard Fee

R250

REFUND FEE

Domestic & International Bookings

Standard Fee

R350

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eBUCKS TRAVEL DISCOUNTS

This section must be read with DISCOUNTS IN THE eBUCKS SHOP, DISCOUNT QUALIFYING RULES, DISCOUNT LEVELS, YOUR DISCOUNT STATUS, PROHIBITION AGAINST RESELLING DISCOUNTED PRODUCTS AND REFUNDS FOR DISCOUNTED PRODUCTS PURCHASED, which apply in addition to the specific eBucks Travel discount rules in this section. If a conflict exists between these specific eBucks Travel discount rules and the other sections referred to these specific eBucks Travel discount rules will prevail to the extent of the inconsistency.

GENERAL

  • Discounts are only valid for flights departing from South Africa.
  • Only personal eBucks accounts are eligible for discounts. eBucks for Business accounts do not qualify for discounts at this stage.
  • A Minimum eBucks payment is required in order to qualify for discounts from discount partners.
  • Main member and qualifying family members can get up to a 40%* discount (depending on your eBucks reward level) when booking with discount partners.
  • Discounts only apply when your booking is made online on eBucks.com or via the Travel App.
  • Discounts will now apply to immediate family only, this being: You, as the main member, your spouse and your children between the ages of 0 and 24 years. Family members who are between the ages 2 to 24 years and older must hold an active qualifying FNB or RMB Private Bank account. The list of qualifying FNB accounts be found in the Travel FAQ's.
  • The main member no longer has to travel with or be on the same flight as the passengers in order to qualify for the discount.
  • The age limit for child passengers has changed from 0 - 18 years to 0 - 24 years, to align with the FNB Youth Account age parameters.
  • Rotational discount partners will now be introduced, so check back regularly to see which partner airlines and Suppliers are on discount.
  • Annual CAPS will now apply on discounted flights. These will be referred to as Discounted Flight Allocation (Caps)
  • *Discounts on flights are only applicable to the base fare of the flight (airport taxes, levies, surcharges, VAT and extras are excluded).
  • Discounts on car rental are applicable to the full value of the car rental excluding additional optional extras.

Minimum eBucks required to qualify for a discount?

In order to qualify for discounts, you will need to have sufficient eBucks to pay the minimum amount required per traveler as set out below:

Airline minimum

eB5 000 per traveler is the minimum eBucks amount payable towards each economy class and domestic business class ticket, while for international business class tickets, the minimum eBucks amount payable is eB50 000 per traveler.

Car Rental minimum

eB3 000 is the eBucks amount minimum payable per car rental

ANNUAL DISCOUNTED FLIGHT ALLOCATIONS (CAPS)

CABIN TYPE

ANNUAL DISCOUNTED FLIGHT ALLOCATION

Domestic Economy

12 return flights /24 one-way flights

International Economy and Premium Economy

4 return flights

Domestic Business

4 return flights /8 one-way flights

International Business

2 return flights

  • Flight discount allocations apply per calendar year and are valid from 01 January to 31 December of the same year and will be deducted from the discount flight allocation for the year in which the booking is made in, i.e. if you book a flight in 2018 but only fly in 2019, the discount will be deducted from the 2018 discount flight allocation.
  • Annual Discounted Flight Allocations are reset at the end of the calendar year and cannot be transferred or rolled over to the next year.
  • If you exceed your annual discounted flight allocations, you can still book flights and pay or part-pay for your flight in eBucks, but you will not qualify for any discounts until the following year's discount flight allocation.
  • Discounts do not apply to First-Class flights or on one-way international flights.
  • Discounts only apply to discounted partner bookings.
  • Domestic flights can be booked as one-ways or returns and each one-way discounted flight will deduct one cap from the member's flight discount allocation.
  • International flights can be booked only as returns in order to receive a discount and each return discounted flight will deduct one cap from the member's flight discount allocation.
  • Should you wish to do a stopover en-route to your destination (up to 4 legs), a booking must be made through eBucks Travel on 087 587 2835 and discounts will still apply, Subject to these Discount terms and conditions.
  • For domestic flights, discounts will apply to bookings made using different classes, i.e. you can fly from JNB to CPT in economy class, then fly from CPT to DUR in business class. One flight will be deducted from both the annual economy flight cap, and the annual business class cap.
  • For international flights, discounts will apply to bookings made using different classes, i.e. you can fly from JNB to LON in economy class, then fly from LHR to JNB in business class. The return flight will be deducted from the annual business class cap. The highest minimum payment of eB50 000 will be required per ticket.

CHANGES, REFUNDS AND CANCELLATIONS ON DISCOUNTED TRAVEL PRODUCTS

  • If you make changes to your or your passengers original flight booking details that results in a fare increase, you will not be entitled to any discounts on the increased fare. Discounts will be restricted to the original base price if you qualify for discounts.
  • If you make changes to your or your passengers original Avis car hire booking details that results in a fee increase, you will not be entitled to any discounts on the increased fee. Discounts will be restricted to the original fee, if you qualify for discounts.
  • For flights changes, if you upgrade your cabin (E.g. You were booked in economy and decide to upgrade your flight to business class), discounts will then apply to the difference in base fare. We will refund you your economy cap, deduct a business class cap, and collect the difference of the min eB payment from you (eB45 000).
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CANCELLATIONS, CHANGES AND REFUNDS

GENERAL

The eBucks Travel Desk charges cancellation and change fees for all allowed changes and cancellations of partially or fully paid up bookings. These fees are in addition to any Supplier fees that may be applicable when making changes and cancelling bookings. Deposits paid and Our booking fees are not refundable. For further information concerning Our fees and charges please refer to EBUCKS TRAVEL SPECIFIC FEES AND CHARGES.

All requests for changes and cancellations are dependent on the Supplier's cancellation and refund policy and Service Terms. Once You have accepted the travel confirmation form, all cancellations, for whatsoever reason, will carry a penalty under the Supplier's Service Terms which may in certain instances be up to 100% of the total cost of the travel package.

CHANGES

Changes during office hours

Airlines

FlySafair, Fly Mango and kulula.com changes can be done on the airline's website directly under each airline's "Manage Booking" section which is available 24 hours a day, 7 days a week for your convenience. Alternatively, you can contact eBucks Travel for assistance during office hours and we can assist you with your changes at an additional charge (change booking fee) in addition to the charged imposed by the airline when amending the booking.

International airlines, domestic SAA and BA flights changes need to be done through eBucks Travel. You can contact eBucks Travel for assistance during office hours and we can assist you with your changes at an additional charge (change booking fee) in addition to the charged imposed by the airline when amending the booking.

Car rental, Avis P2P and other travel products

You can contact eBucks Travel for assistance during office hours and we can assist you with your changes at an additional charge (change booking fee) in addition to the charged imposed by the Supplier when amending the booking. Any changes on these Travel products must be done at least 24 prior to travel or departure in order to avoid the booking being cancelled by the Supplier and cancellation penalties being imposed.

After-hours and Emergency Assistance

Airlines:

FlySafair, Fly Mango and kulula.com changes can be done on the airline's website directly under each airline's "Manage Booking" section which is available 24 hours a day, 7 days a week for your convenience. Alternatively, should you for some reason not be able to make the changes on the airlines website, you can contact the airline directly via their call centre, or should the change be required on the day of departure, you should contact the airline offices at the airport at least 2 hours prior to your departure time.

International airlines and domestic SAA and BA changes can be done directly with the airline or at the airport at least 2 hours before departure.

Car rental:

Contact the car rental supplier directly for changes or make changes at the depot/branch where your rental is booked at least 2 hours before collection.

Avis P2P:

For changes, you will need to contact Avis P2P directly for changes on:

  • Johannesburg: +27 11 573 5000
  • Durban: +27 32 436 8400
  • Cape Town: +27 21 927 8800

Other Travel Products

Call eBucks Travel Emergency number on 064 546 2271

CANCELLATIONS

Bookings must be cancelled at least 24 hours in advance and may carry a penalty of up to 100% of the full price paid for the Travel product, depending on the Supplier's terms and conditions. All cancellations must be done via eBucks Travel.

If you want to cancel your booking and request a refund due to medical reasons we require either a medical report from your doctor, or a hospital admission letter giving the reasons why you are not fit to travel, as well as any other documentation requested by the Supplier when processing the cancellation. The Suppliers refund policy and Service Terms will determine whether you are entitled to a cancellation and refund.

Changes during office hours

Airlines

Cancellations can be done directly with the airline or you can cancel your booking at the airport at least 2 hours before departure.

Car rental, Avis

For all cancellations, please contact eBucks Travel on 087 587 2835 for assistance.

Avis P2P

To cancel your reservation, login to eBucks.com and select "My Bookings" then "Avis P2P" where you can then select the relevant booking to be cancelled.

Other Travel Products

Call eBucks Travel on 087 587 2835 for assistance

After-hours and Emergency Assistance

Airlines

Cancellations can be done directly with the airline or you can cancel your booking at the airport at least 2 hours before departure.

Car rental, Avis

Contact the car rental supplier directly for cancellations or make changes at the depot/branch where your rental is booked at least 2 hours before collection. Should you fail to cancel your reservation prior to your scheduled and confirmed collection date and time, or should you fail to collect your vehicle within 24 hours of your scheduled and confirmed collection date and time, you will be charged a cancellation or "no show" penalty by Avis of R399.

Avis P2P

To cancel your reservation, login to eBucks.com and select "My Bookings" then "Avis P2P" where you can then select the relevant booking to be cancelled.

Other Travel Products

Call eBucks Travel on 087 587 2835 for assistance

REFUNDS

All refunds, including but not limited to refunds occasioned by change requests or cancellations, are dependent on the Supplier's refund policy and Service Terms.

If any refund is due to you, you will be will be refunded in eBucks into your eBucks Account for the amount of eBucks used by you to purchase the eBucks Travel product. Any Rand balance, if applicable, will be credited to the FNB/ RMB bank account or credit card you used to pay for the eBucks Travel product after the cancellation fees have been deducted from the Rand balance.

If you have erroneously made a duplicate booking, you may request a reversal of the booking through the eBucks Travel Desk before 16h00 on the same day that the duplicate booking was made and we will attempt to assist you. If we are not able to secure a reversal you will remain liable for the duplicate booking that you made. Assisting you in correcting any other booking errors will be in the sole discretion of the eBucks Travel Desk after taking the Suppliers Service Terms into account.

Refunds for airfares can take anything between 1 week and 8 weeks. We cannot refund you until the airlines have refunded us. Once we have received the refund from the airline we will refund you immediately and send you written confirmation of the refund. Other refunds are dependent on the relevant Supplier and can take up to 8 weeks. We cannot refund you until the Suppliers have refunded us. Once we have received the refund from the Supplier, we will refund you and send you written confirmation of the refund.

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TRAVEL RISK AND INSURANCE

No travel insurance is available through eBucks Travel and no travel insurance is included with any of the products or services available through eBucks Travel, unless specifically referred to as a package inclusion. It is strongly recommended that you as well as those travelling with you take out adequate insurance cover such as cancellation due to illness, accident or injury, personal accident, personal liability and loss of or damage to baggage and sports equipment. You undertake all activities associated with eBucks Travel products and services at your own risk.

Please note that qualifying FNB Credit Card customers, may also qualify for the free travel insurance provided by FNB Credit Card. It remains your responsibility to contact FNB credit card to determine whether you qualify for this free benefit and to activate this benefit prior to your departure.

Although most travel, including travel to international destinations, is completed without any serious incidents, certain travel destinations, products and services may involve greater risks than others. It is your and your travel partners' sole responsibility to research and ascertain the risk associated with certain travel destinations, products and services, including but not limited to: the method of travel, travel routes, travel itineraries, travel experiences and travel destinations. By offering for sale travel products and services, we do not represent or warrant that such travel products or services are advisable or without risk, and accordingly We are not liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for damages or losses that may result from such travel.

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UNSCHEDULED EXTENSIONS

In the unlikely event of there being an unscheduled extension or variation to an eBucks Travel product caused by flight delays, bad weather, strikes, technical difficulties, communication breakdowns, your or your travel companion's actions and/or omissions (irrespective whether such conduct is negligent or not) and/or any other cause which is beyond our or a Suppliers' control, then you will be liable for the any expenses relating to the unscheduled changes, including but not limited to hotel accommodation and flights

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VALID TRAVEL DOCUMENTS

IMPORTANT: It is your responsibility alone to ensure that you and your relevant travel partner(s) are in possession of valid passports for the duration of your trip. Some destinations require that one's passport be valid for a certain length of time; in general, 6 (six) months after completion of travel. You may also be required to obtain a visa, health certificates or any other travel related documents for some destinations, even as a transit passenger, prior to departure, and it is your responsibility to do so. It is also your responsibility to collect your own travel documents from the travel agency nominated on your travel confirmation form, if applicable.

For information on passport, visa requirements, health certificates, vaccinations or any other travel related documents and requirements, you should contact the embassy, high commission or consulate of the country to which you will be travelling or alternatively contact the eBucks Travel Desk for further assistance, prior to and at the time that you are making a booking via eBucks Travel. If you are not travelling immediately after making the booking, then you should contact the same aforesaid bodies timeously before you commence your travel to ensure that the requirements which are applicable to you and your travel partners have not changed and that you and your travel partners' travel documents remain valid for all flights, destinations and planned stopovers.

IMPORTANT: A failure to travel with the correct documentation could result in you and/or your travel partner(s) being refused travel, entry to the country of your destination or stop-over, deportation or incarceration and in such circumstance(s) you and your travel partner(s) shall not hold Us liable for any costs, claims, consequences or damages suffered of whatsoever nature, arising from your and/or your relevant travel partners' failure/omission to ensure that he/she has complied with all travel documentation requirements. You will also fully indemnify Us against all claims by any person, including your relevant travel partners, for all damages, fines, penalties, causes of actions, costs (including all legal fees on an attorney and own client scale, resulting from Your and/or Your travel partners' failure/omission to ensure that he/she has complied with all travel documentation requirements.

With effect from 1 June 2015 Regulation 6 of the Immigration Act requires all parents arriving, transiting and departing from South Africa to produce an unabridged birth certificate for their children. Families not in possession of these documents will be refused to travel. In the case where only one parent is travelling with children, consent in the form of an affidavit from the other parent registered is required. Alternatively, either a court order granting full parental responsibilities and rights or a death certificate of the other parent must be produced.

For more information, please visit the Department of Home Affairs' website.

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PRODUCT SPECIFIC TERMS AND CONDITIONS

The following product specific terms and conditions will apply. A specific Supplier's Service Terms, except for those Service Terms which relates to reservation, payment and refund procedures, will however prevail to the extent that it conflicts with these product specific terms and conditions:

HOTELS/ACCOMODATION ESTABLISHMENTS

  • All rates and availability of accommodation quoted are subject to change without prior notice.
  • Rates quoted are on a per person per night sharing basis and are for accommodation only, unless specifically stated otherwise. Additional single supplements may apply.
  • The meal plan will be indicated on Your quotation or travel confirmation form. B&B denotes Bed and Breakfast. DBB denotes Dinner, Bed and Breakfast. FB denotes full board which includes Breakfast, Lunch and Dinner. AI denotes all-inclusive and includes Breakfast, Lunch, Dinner and selected drinks as specified by the establishment.
  • Rates quoted are not available for groups or conferences.
  • All accommodation provided in terms of any booking made via our Website, Travel App or the eBucks Travel Desk will be subject to the specific hotel or establishments terms and conditions.
  • Hotels and establishments providing accommodation undergo renovations from time to time which may impact on your enjoyment of the accommodation. We are not responsible or liable for any compensation or damages that you or your travel companion may suffer due to renovations taking place while resident at the hotel or establishment.

CAR RENTAL

  • All rates quoted are subject to change and availability without prior notice and standard terms and conditions apply to all car rentals.
  • All rates include VAT, 200 FREE kilometres per day, collision damage waiver, theft lost waiver, third party liability insurance, general public liability insurance, location surcharge and tourism levy.
  • Rates excludes, the excess on collision damage waiver, fuel deposits, special requests such as an extra driver, windscreen damage and one-way drop off fees, extra kilometers exceeding the 200 FREE kilometers per day, Gauteng e-toll fees and may exclude the contract fee depending on the Supplier.
  • All additional costs (e.g. fuel consumption, additional kilometers, additional drivers, pick-up or drop-off fees) must be settled by You directly with the car rental company on return of the car. Any disputes in this regard must be addressed to the car rental company.
  • The Driver will be required to provide a valid identity document, a valid driver's license and a valid credit card on collection of the hired car.

AIRLINES

  • Airfares are subject to availability and fare increases without any prior notice.
  • Bookings for tickets must be in your and your passenger's names and surnames as reflected in your and your passengers travel documents. Once a booking is confirmed, name changes (spelling or full name) are not allowed. A new ticket will have to be purchased and cancellation penalties will apply to the original ticket purchased.
  • If your ticket is refundable, a cancellation fee will be charged if a flight is cancelled before departure. Flights cancelled or unused after departure are non-refundable.
  • If you do not show up for your flight, your full ticket will be forfeited (changes must be made at least 8 hours prior to departure)
  • Refunds are not permitted on coupons used out of sequence.
  • If changes are permitted on your ticket, the change is subject to the original fare class availability, if available at the time of change. Re-routes are permitted on certain tickets, subject to airline rules.
  • Upgrades to a higher fare class are permitted on some tickets. Standard change penalties will apply, subject to airline rules.
  • All tickets have a min and maximum stay requirement
  • Special fares have a minimum and maximum stay requirement and may not be available during peak seasons and weekends. you may qualify for a special fare if you make an advance booking.
  • All changes to booked air tickets will incur costs, which costs will vary according to the various different airline rules, and may, subject to the provisions of the Consumer Protection Act, when and if applicable, be as much as 100%. All changes will incur a Change Booking Fee.
  • All domestic fares quoted include VAT, airport taxes, security tax, fuel surcharges and the Booking Fee (if applicable).
  • All international fares quoted exclude VAT, but include airport taxes, security tax, fuel surcharges and the Booking Fee. All changes to your air ticket will incur a cost to you.
  • Once your air ticket has been issued, the specific airline rules apply.
  • All airline check-in times are subject to the specific airline rules.
  • Each airline applies its own standard policies regarding the number of pieces of luggage and the weight/mass restrictions applicable thereto per passenger. It will be your and/or your travel companion's solely responsible to enquiry as to the particular airlines' policies. In the event that you and/or your travel companion exceeds the luggage limit stipulated, any further expense incurred as a result thereof will be for your own account.
  • If you for whatever reason miss the flight, you will be deemed to have forfeited the amount paid.
  • Group bookings are subject to special rates and a group quote must be requested for group bookings from the eBucks Travel Desk. A group booking is classified as 10 people or more travelling on the same flight.
  • Please either notify us of any medical conditions and special services requirements either whilst making your booking through the eBucks Travel desk or contact our Travel Desk on the same day after you have made a booking via our Website or the Travel App.
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eBucks Rewards for Business

INTERPRETATION

eBucks Rewards for Business is a distinct component of the eBucks Rewards Programme designed exclusively for qualifying Business Members. These terms and conditions ("Business Rewards Terms and Conditions") must be read with the Terms and Conditions, Earn Rules, Disclaimers and Privacy Policy applicable to all Members of the eBucks Rewards Programme, including Business Members, available at www.eBucks.com and the terms and conditions, disclaimers and privacy policy applicable to the remainder of Your banking relationship with FNB available at www.fnb.co.za, from Your FNB Business relationship manager or from an FNB branch or of Your banking relationship with RMB Private Bank available at www.rmbprivatebank.com or from Your Private Banker.

If a conflict or inconsistency exists between these Business Rewards Terms and Conditions and the abovementioned other terms and conditions, these Business Rewards Terms and Conditions will prevail to the extent of the conflict or inconsistency.

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ELIGIBILITY FOR BUSINESS REWARDS

These Business Rewards terms and conditions must be read with the rules relating to Qualifying Accounts, the Qualifying Criteria, the Rewards Levels, rewards and earn rules, restrictions, caps and limitations as are available on Our Website. Accordingly, eligibility for the Business Rewards Programme is restricted to Business Members that meet all the qualifying criteria and are residents of the Republic of South Africa.

Where you hold multiple Qualifying Business Accounts, You will earn eBucks on the qualifying activities on all accounts. However, You will need to meet the requirements, which include Qualification Criteria, points collection and Earn Rules, that are specific to the highest Qualifying Business Account that you have (i.e. the Qualifying Business Account with the highest required deposit).

For example: Where You hold a Gold Business Cheque Account and a Platinum Business Cheque Account, You will need to meet all the requirements that are specific to your Platinum Business Cheque Account.

If any of the above listed qualification criteria is not met the Business will be disqualified from earning eBucks until such time as all the Qualification Criteria are met.

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REGISTERING FOR BUSINESS REWARDS

Qualifying Customers, who are not existing Business Members, are required to register for and become Business Members of the Business Rewards Programme to benefit from it. Qualifying Customers can register for Business Rewards at www.eBucks.com.

If You wish to register as a Business for the eBucks Rewards Programme, the following procedures and conditions will apply:

  • You can register by completing the online registration process on Our Website at www.eBucks.com.
  • Alternatively You may register through the FNB Banking App.
  • Should a Business elect a Primary Member or Transactor who is also a person authorised to have access to or transact on behalf of any of the Qualifying Business Accounts linked to a Business eBucks Account, then it will be deemed for purposes of the Business eBucks Account that the Business has duly authorised such person to represent the Business and transact on the Business eBucks Account.
  • After a Business has submitted its online registration form, We may, but are under no obligation to, determine whether the Primary Member or Transactor listed on the eBucks registration form is a person who is authorised to transact on behalf of the Business on any Qualifying Business Account linked to the Business eBucks Account.
  • To establish the aforegoing, We need to view all Your documentation submitted to FNB or RMB Private Bank which was required to open and thereafter to manage Your Qualifying Business Account, as well as all documentation submitted to FNB or RMB Private Bank relating to the Financial Intelligence Centre Act. Accordingly, You unconditionally consent that We may request FNB or RMB Private Bank to make available to Us all the aforementioned documentation for purposes of verifying the identities of the Primary Member and Transactor and You similarly hereby authorise FNB or RMB Private Bank to disclose the aforementioned documentation to Us.
  • Should neither the Primary Member nor Transactor be a person authorised to transact on behalf of the Business on the linked Qualifying Business Account, then We shall endeavour to contact the Business, requesting the Business to provide Us with its written authorisation on the Business' official letterhead, duly signed by any person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, confirming that the relevant Primary Member and Transactor listed on the eBucks registration form is allowed to transact on behalf of the Business on the Business eBucks Account.
  • Should a Business at any time after it has successfully been registered as a Member, wish to nominate a different Primary Member or Transactor to transact on the Business eBucks Account, then a letter on the Business' official letterhead, duly signed by a person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, informing Us of the change in details of the Primary Member or Transactor will be required.
  • For more information visit Our Website or contact the eBucks Contact Centre on 087 320 3200.

General procedures and conditions applicable to a Business when registering for the eBucks Rewards Programme:

  • Only once We have identified and authenticated You, may We, at Our sole discretion, accept Your application to become a Member of the eBucks Rewards Programme. You will not be able to earn or spend any eBucks until We have authenticated and accepted Your application.

    IMPORTANT: If We are not able to identify and authenticate You within 30 (thirty) days of receiving Your registration form, then Your registration will be deleted. You will not be entitled to hold Us liable for any damages howsoever occurred in respect of the deletion of Your registration, since it will be Your sole responsibility to follow up with Us should You not have heard from Us within 20 (twenty) days from submitting Your registration form.

  • It is Your responsibility to advise Us if any of the Business information which You provided to Us when registering to become a Business Member is inaccurate or has changed.
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BUSINESS REWARDS

Qualifying Business Members will accumulate points based on Your banking activity and behaviour over each prior calendar month. The amount of points that You have accumulated over the prior calendar month will determine Your Rewards Level. Your Rewards Level can therefore change each month, depending on Your banking activity and behaviour over the prior calendar month.

Your Rewards Level will in turn determine your Rewards Rate and the amount of eBucks that You can receive as a reward for Your banking activity over the prior calendar month.

Your eBucks rewards will be transferred into your Business eBucks Account for You to spend through the online eBucks Shop located at www.eBucks.com and the various other spend options available to You through the eBucks Rewards Programme, including Qualifying Shoprite Checkers eBucks Card Purchases. You may not send eBucks from a Personal eBucks Account to a Business eBucks Account or between two Business eBucks Accounts. See RULES RELATING TO THE SENDING OF eBUCKS

For further information on how to accumulate points, the different Rewards Levels, the different Rewards Rates, the eBucks rewards You may qualify for, the Qualifying Accounts and Qualifying Criteria, the rewards earn rules, restrictions, caps, limitations and the available spend options please visit www.eBucks.com or www.fnb.co.za.

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IMPORTANT NOTICE: TAX IMPLICATIONS

We strongly recommend that You obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks.

You are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or eBucks received, accumulated, transferred or spent due to You being a Member of or participating in the Business Rewards Programme.

You agree that You will not hold Us, FNB or FirstRand Bank Limited ("the Bank") or any of the Bank's affiliates liable and You hereby fully indemnify the Bank or any of the Bank's affiliates, and hold the Bank or any of the Bank's affiliates completely harmless, against all damages, claims and fines made against You or the Bank or any of the Bank's affiliates, including all legal costs on an attorney-and-own-client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to Your receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks, or the charges in respect thereof.

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eBUCKS REWARDS FOR FNB LIFE AND FUEL, GAUTRAIN AND UBER PURCHASES

FUEL PURCHASES

Business Members can receive eBucks rewards on fuel purchases using Your Qualifying FNB/ RMB Private Bank Business Cheque Card and FNB/ RMB Private Bank Business Credit Card. The size of Your eBucks reward depends on Your Rewards Level.

As of 1 July 2018, fuel earn will now be exclusive to Engen. No earn will be awarded on fuel purchases at any other fuel retailers. You can fill up at any Engen fuel station within the borders of the Republic of South Africa, but you must pay for your fuel through the fuel station pay point on the Engen forecourt. You won't earn eBucks if you pay for fuel at the Engen Quickshop. Fuel earn is based on the price of inland ULP 95. If the fuel price changes during the calendar month, the new price will be used to calculate fuel earn for that calendar month.

You will not earn any eBucks on fuel purchases in the following circumstances: the fuel retailer refuses to accept Your Qualifying FNB/ RMB Private Bank Business Cheque Card or FNB/ RMB Private Bank Business Credit Card for any reason; We cannot identify a qualifying fuel transaction at the time the transaction is processed by the fuel retailer for any reason, including but not limited to the fuel retailer not processing the transaction as a fuel transaction correctly; the fuel is purchased outside the Republic of South Africa; the Qualifying Account is dormant or closed; or the fuel purchase constitutes a fraudulent transaction.

Qualifying customers earning eBucks on fuel purchases will not earn additional rewards for general shopping purchases on fuel purchases. Purchases from Engen Quickshops will qualify as general shopping purchases and not as fuel purchases.

You will only earn eBucks on Uber rides within the borders of the Republic of South Africa.

See our Website, www.fnb.co.za or www.rmbprivatebank.com for applicable spend limits and rules.

INSURANCE SOLUTIONS FROM FNB

The monthly premiums on your qualifying FNB Life policies (FNB Key Person Insurance, Employer's Funeral) and FNB Insure products (Business Law on Call) must be paid on time from your FNB Business Cheque Account. You won't earn eBucks for any month where premiums weren't paid - either because you didn't make payment that month, or because FNB Life or FNB Insure chose to waive your premium that month for any reason.

The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life and FNB Insure policies. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points toward your rewards level.

Only Insurance products where FirstRand Life Assurance Limited or FirstRand Short-Term Insurance Limited is the insurer are eligible for eBucks.

In the case of an FNB Life Policy or FNB Insure Policy, only the payer of the premiums will earn eBucks; lives assured and/or beneficiaries named in the policy won't earn eBucks.

The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.

These rules apply automatically upon you qualifying for eBucks rewards.

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eBUCKS REWARDS FOR SHOPPING AT SHOPRITE CHECKERS

Business Members can earn eBucks rewards on Qualifying Shoprite Checkers Purchases and spend their accumulated eBucks on Qualifying Shoprite Checkers eBucks Card Purchases.

Where you earn eBucks on Qualifying Shoprite Checkers Purchases, you will then not earn additional rewards for general shopping purchases on those Qualifying Shoprite Checkers Purchases.

You will not earn any eBucks on Qualifying Shoprite Checkers Purchases in the following circumstances: Shoprite Checkers refuses to accept Your Qualifying Business Cheque Card or FNB Business Credit Card for any reason; We cannot identify Qualifying Shoprite Checkers Purchases at the time the transaction is processed by Shoprite Checkers for any reason, including but not limited to Shoprite Checkers not processing the transaction correctly; the Qualifying Account being dormant or closed; the transaction occurs outside the Republic of South Africa; or the Qualifying Shoprite Checkers Purchases constituting a fraudulent transaction.

See our Website for applicable shopping spend limits and rules.

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eBUCKS REWARDS ON FNB FOREX TRANSACTIONS

To qualify to earn eBucks on FNB Forex transactions the transactions must be done using Online Banking or the RMB Banking App using Your smart phone, except where you have a standing instruction with FNB Forex to transact on your behalf. You only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African rand). You do not earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal, MoneyGram or any other foreign exchange products. You also do not earn eBucks when you are transacting on a special discount or pensioner pricing. The eBucks you earn will be paid in the month after the FNB Forex transaction was done.

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eBUCKS BUSINESS CARD

You will be issued with an eBucks Business Card when becoming a Business Member. You will be able to use Your eBucks Business Card at Our selected participating Partners' stores for the purposes of earning and spending eBucks. We will automatically link Your Business eBucks Account to Your eBucks Business Card for You to earn eBucks. To spend Your eBucks in one of Our Spend Partner's retail stores, Your authorised Business' Transactor must log onto the Website and select an eBucks Business PIN for Your eBucks Business Card. For further information concerning your eBucks Business Card see eBUCKS CARD.

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ONLINE BUSINESS SHOPPING

Business Members are able to shop online through the eBucks Shop located at www.eBucks.com. For further information on the eBucks Shop see eBUCKS SHOP.

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BUSINESS AND PERSONAL MEMBER

If You have both a Personal eBucks Account and a Business eBucks Account, You may not, for tax reasons, merge these two accounts, as they need to remain separate and distinguishable from each other. For further information concerning your eBucks Accounts and how to manage them see YOUR PERSONAL eBUCKS ACCOUNT AND BUSINESS eBUCKS ACCOUNT .

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ACCOUNT SECURITY AND PERSONAL INFORMATION

For security, identification and verification purposes, when You interact with the Business Rewards Programme, You will be required, depending on the nature of Your interaction activity, to enter one or a combination of the following Access Codes: User ID, eBucks PIN, eBucks for Business Card PIN and OTP. For further information concerning your eBucks Accounts and how to manage them see ACCESS CODES.

Because We communicate with You through the Internet, via SMS or over the telephone, You agree that We are entitled to assume that You have authorised all transactions once Your Access Codes have been entered or provided to the eBucks Contact Centre, via www.eBucks.com or via FNB Online at www.fnb.co.za. You are also responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change. For further information in this regard see YOUR INSTRUCTIONS.

If You suspect or know that You have been a victim of phishing, fraud or a loss, theft or compromise of Your Access Codes or eBucks Card, You must inform Us immediately by contacting our Contact Centre on 087 320 3200 and open a case at Your nearest police station. For further information in this regard see PHISHING AND FRAUD.

We respect Your right to privacy and Your personal information. You acknowledge that We may have to share certain of Your personal information with our Affiliates, Partners and Suppliers in the ordinary course of business of providing You with products and services and You provide Us with Your express permission to do so. For further information concerning Your personal information see: PRIVACY and Our PRIVACY POLICY.

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STATEMENTS AND TRANSACTION HISTORIES

You will be able to view Your eBucks transaction history and eBucks Balance when logged into FNB Online Banking or FNB Online Banking Enterprise™ and www.eBucks.com. Your eBucks Balance will reflect on your Business eBucks Account monthly in arrears as shown on your monthly statement.

The date Your points and eBucks rewards are earned, when using a qualifying FNB VISA Business Cheque and Credit Card to transact, will be the date the merchant posts the transaction, and not necessarily the date the transaction takes place. We cannot guarantee what date the merchant will post the transaction and We cannot be held liable for any delays in the merchant posting the transaction.

If you have a dispute regarding the eBucks allocated to You, as reflected on Your monthly statement, You must contact us on 087 320 3200 within 30 (thirty) days of Your statement date. Failure to do this will mean that Your statement will be regarded as correct, final and binding.

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PARTICIPATION COSTS

Business Member are not charged a joining fee or any periodic or annual membership fee for participating in the Business Rewards Programme. We render additional services to Our Members apart from operating the Business Rewards Programme. We may therefore charge You transaction, service and delivery fees on certain transactions on Your Business eBucks Account. This includes a Dormancy Administration Penalty from Your Business eBucks Account should You fail to earn or spend eBucks on Your Business eBucks Account for a period of at least 6 (six) months, which amount is utilised to cover the costs of maintaining Your Business eBucks Account(s) on Our systems. Below is an itemised breakdown of Our current Business Rewards specific fees and charges which We may review from time to time by amending these Terms and Conditions.

Virtual voucher SMS delivery fee eB28 (R2.80)
Virtual voucher resend fee eB50 (R5.00)
Dormancy Administration Penalty eB90 (R9.00) per month
eBucks Shop Delivery Fees Refer to the eBucks Shop section
eBucks Business Card Courier Delivery Fee
(eBucks Shop order placed for eBucks Business Card only)
eB400 (R40.00)
Item-Specific Purchase Fee Additional item-specific purchase fees may apply with certain purchases and transactions. These will be clearly displayed for your acceptance prior to the purchase or transaction being completed.

In determining the Delivery Fee categories above, all the items in your Shopping Basket when Checking Out are taken into account and bundled together. If a virtual voucher is one of the items in your Shopping Basket when Checking Out a separate and additional Delivery Fee is charged for the virtual voucher. Volumetric weight and the size of the items in your Shopping Basket when Checking Out are taken into account in determining the Delivery Fee category above. If the volumetric weight exceeds the actual weight of the items the volumetric weight will be applied to determine the Delivery Fee category above.

You authorise Us to debit Your FNB, RMB and Business eBucks Account(s) with all amounts due to Us by You as a result of Your participation in the Business Rewards Programme. For further information concerning the eBucks Rewards Programme fees and charges see FEES AND CHARGES and for further information concerning the Dormancy Administration Penalty see DORMANT STATUS OF YOUR eBUCKS ACCOUNT.

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BUSINESS CEASING TO OPERATE

Should a Business Member, when ceasing to operate as a business, not have spent all the eBucks in its Business eBucks Account, then all the eBucks remaining in the Business eBucks Account will be forfeited to FNB and the Business eBucks Account will be closed.

This does not preclude the duly appointed liquidator or trustee of a Business Member spending the eBucks in the Business eBucks Account, for the benefit of the business, in terms of the liquidation or sequestration process. If, however, the liquidator or trustee fails to deal with the eBucks in the final liquidation and distribution account, all the eBucks in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed.

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SPENDING IN THE eBUCKS SHOP

The goods and services in the eBucks Shop are subject to availability and will vary from time to time. All goods and services in the eBucks Shop are detailed in the product description and do not include the accessories which may be shown in the image which accompanies the goods and services description.

Although goods and services are advertised in the eBucks Shop, most of the goods and services are supplied to Us by Our Suppliers to whom You must refer all complaints and queries concerning the good and services. Please see the section on SUPPLIERS. We do not generally own the goods or services, hold physical stock of the goods, have any control over stock availability or guarantee that the goods and services will always be available. If We are the Suppliers of goods and services You may refer Your queries and complaints to Us. For further information concerning complaints and queries see: SUBMITTING COMPLAINTS AND QUERIES TO US.

Goods and services advertised in Our marketing material are limited by stock availability and We have no obligation, subject to the provisions of the Consumer Protection Act, when and if applicable, to make available any goods or services for whatsoever reason including for reason being that such goods and services have been sold out, even if it still appears in the marketing material.

If goods or services become unavailable during or after Your purchase of it and it is not possible for Us to fulfill the order with replacement goods or services, We will endeavour to inform You within 7 (seven) Business Days of the unavailability of the goods or services purchased, and the full purchase price which may have been withdrawn from Your eBucks Account or Your FNB or RMB credit card or cheque account will, subject to Our returns and refund rules, be refunded to You as soon as is reasonably possible. For further information concerning Our return and refund rules see RETURNS AND REFUNDS.

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DELIVERY OF eBUCKS SHOP PRODUCTS

Goods that You purchase in the eBucks Shop will only be delivered to a South African residential or business street address, chosen by You when You purchase the goods. The residential or business street address chosen by You must be within the borders of the Republic of South Africa. We do not deliver to all areas in the Republic of South Africa and We will inform You telephonically if Your residential or business street address falls in an area to which We do not deliver.

If You request that the goods purchased in the eBucks Shop be delivered to an address where the goods may not be received by You personally or where a person other than You may receive the goods on your behalf, then the Recipient will be deemed to have accepted the goods on the date and time of signature by the Recipient. We will not be held responsible or liable for any loss, damage or theft of the goods by such Recipient or any other person.

It is the Recipient's responsibility to ensure on delivery that the seals of the goods have not been broken or tampered with. If the seals have been broken or tampered with, You must contact the eBucks Contact Centre on 087 320 3200 within 24 (twenty four) hours of delivery to advise Us of the condition of the goods on delivery.

We will automatically calculate one Delivery Fee for each Shopping Basket, which is separate from any Additional Delivery Fees. The Delivery Fee shall be included in the final Shopping Basket price, which final price You will have to accept upon Check Out in order to conclude the transaction. An Additional Delivery Fee may be charged for the delivery of goods to an area to which We do not usually deliver. You must however, give Your prior written approval for this Additional Delivery Fee to be deducted from either Your eBucks Account or your FNB Business Account. If You fail or omit to provide Us with Your written approval for deducting this Additional Delivery Fee within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase without Us incurring any liability whatsoever for such termination.

If We attempt to deliver goods at a place and time agreed with You and You, Your domestic worker, security officer or the Recipient is unavailable to take delivery, a second and possible further attempts to deliver the goods will carry, in our sole discretion, an additional charge for each attempt. You will then be required to approve the additional charge for each attempt, which will be deducted from Your eBucks Account or Your FNB Business Account. Should You fail to approve this additional charge for each attempt, within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase and charge You the Delivery Fee, applicable Additional Delivery Fees and abovementioned additional charges for each attempt, without Us incurring any liability whatsoever for such termination. We shall in Our sole discretion decide whether We shall attempt to deliver the products after the first attempt.

The delivery period for different products may vary depending on the type of product and the availability of the product. You will be automatically informed, prior to Check Out, of the delivery time of each of the goods in the Shopping Basket. All the goods in your Shopping Basket will be delivered at the same time. The delivery period of all products in Your Shopping Basket will therefore be the delivery period of the goods with the longest delivery period. The delivery time of goods delivered by post, SMS or uploaded on a cellular phone will be solely dependant on the South African Postal Services or the relevant cell phone operators, respectively.

We will not be liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for any loss or damage You may suffer if the goods are not delivered within the estimated delivery times specified above. To track Your order, contact the eBucks Contact Centre on 087 320 3200 and quote Your purchase reference number or alternatively You could track Your order on the Website.

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PRICING IN THE eBUCKS SHOP

We reserve the right to change the selling price of any goods and services from time to time without any prior notification. We will not enter into any negotiations regarding the price of the eBucks Shop goods and services. We do not warrant fixed prices and the availability of goods and services in a Shopping Basket saved prior to Check Out for later use and accordingly accepts no liability whatsoever, subject to the provisions of the Consumer Protection Act, when and if applicable, for such price fluctuations and goods and services non-availability. The Website will automatically inform You of such changes once You re-enter your saved Shopping Basket and prior to Check Out. We reserve the right to correct at any stage all errors and omissions of the advertised prices of goods, services, Delivery Fees and Additional Delivery Fees.

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RETURNS, REFUNDS AND CANCELLATIONS IN THE eBUCKS SHOP

All returns and refunds are subject to Our Suppliers' returns and refunds policies and Service Terms. We therefore do not guarantee the replacement of returned goods. We will assist You in all refund requests, but all requests must first be made to the eBucks Contact Centre and only after a call is logged with the eBucks Contact Centre will Your request for a refund be forwarded to the Supplier.

You may, subject to the provisions of the Consumer Protection Act, when and if applicable, only return goods or request a refund in the following circumstances: if the goods are damaged prior to delivery; if the goods are faulty on delivery; if the incorrect goods were delivered; and in enforcing Your cooling off rights. For further information concerning Your cooling off rights see COOLING OFF RIGHTS.

No returns or refunds will be accepted after 7 (seven) Business Days of delivery of the product, subject to the provisions of the Consumer Protection Act, when and if applicable. Goods cannot, under any circumstances, be returned or refunded, unless the goods are in their unopened packaging or in their original condition and repackaged in their original packaging.

If You transacted in Rand we will refund You in Rand to the FNB Business Account that You used for the transaction. If You transacted in eBucks we will credit the Business eBucks Account You used for the transaction. If a part payment occurred using both eBucks and Rand and there was one product in the Shopping Basket we will refund You in eBucks and in Rand, in the same proportion in which you transacted in eBucks and Rand. If the Shopping Basket contained more than one product we will refund You in eBucks first, up to the full amount of eBucks used for the entire Shopping Basket transaction, and then the remainder, if applicable, in Rand.

You may cancel Your subscription to a Subscription Product at any time through the eBucks Contact Centre. Your cancellation will be effective from the last day of the month in which You cancelled Your subscription.

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PAYMENTS IN THE eBUCKS SHOP

Depending on the goods or services You select to purchase You may make payment in either eBucks or Rand or split Your payment in a combination of eBucks and Rand. The applicable payment options will be made available to you before Checking Out from the eBucks Shop.

By purchasing a Subscription Product You authorise Us to debit Your Qualifying Business Account with the recurring amounts due to Us. If there are insufficient funds available in Your Qualifying Business Account to pay for Your Subscription Product We will cancel your subscription with immediate effect. For further information regarding payments in general see: PAYMENT OPTIONS IN THE EBUCKS SHOP.

If Your Qualifying Business Cheque Cards or FNB Business Credit Card has not been registered for Verified by Visa You will have to log into Online Banking or Online Banking Enterprise™ and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your Qualifying Business Cheque Cards or FNB Business Credit Card.

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GENERAL

eBucks rewards earned or allocated may be limited to maximum amounts per allocation period. These limitations may be changed from time to time. Transaction based rewards will be based on the earn rules and Qualifying Criteria that apply on the date when the transaction is debited or credited to the Qualifying Account. This date may be different from the date when the actual transaction took place.

Only qualifying Business Members in Good Standing who are resident in the Republic of South Africa are entitled to earn Business Rewards. eBucks cannot be exchanged or converted to cash. You must contact Us within 30(thirty) days If You have a dispute about Your Business Rewards as shown on Your monthly statement. Failure to do so will mean that you accept Your Business Rewards earned or allocated as correct, final and binding on You.

We may end your participation in the Business Rewards Programme at any time and for any reason, on notice to You. For further information concerning this see ENDING YOUR PARTICIPATION IN THE eBUCKS REWARDS PROGRAMME AND OTHER PENALTIES.

We may, in whole or in part, change, suspend or discontinue the Business Rewards Programme at any time at Our sole discretion. We will however, notify You of this, within a reasonable time of these changes being made. For further information concerning this see MODIFICATION, SUSPENSION OR TERMINATION OF THE eBUCKS REWARDS PROGRAMME. FirstRand Bank Limited may at any time in their sole discretion review and amend the rewards currency, the rewards earn rules, the Qualifying Accounts, the Qualifying Criteria, the Rewards Levels, restrictions, caps and limitations. You will be notified of any changes in accordance with the eBucks Rewards Programme terms and conditions.

We may amend these Business Rewards Programme Terms and Conditions and any other terms and conditions on the Website from time to time. If You use the Business Rewards Programme after We have posted an amended version of any terms and conditions on Our Website, We will be entitled to assume that You have agreed to be bound by the amended version of the relevant terms and conditions. These Business Rewards Terms and Conditions must be read together with the Earn Rules applicable to your specific Qualifying Business Account as set out under our Website, product and service specific terms and conditions for the qualifying accounts available on www.fnb.co.za.

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CONSUMER REWARDS

INTERPRETATION

These Consumer Rewards terms and conditions must be read with the Terms and Conditions, Disclaimers and Privacy Policy applicable to all Members of the eBucks Rewards Programme available at www.eBucks.com and the terms and conditions, applicable to the remainder of your banking relationship with FNB available at www.fnb.co.za or with RMB Private Bank www.rmbprivatebank.com

If a conflict or inconsistency exists between these Consumer Rewards Terms and Conditions and the abovementioned other terms and conditions, these Consumer Rewards Terms and Conditions will prevail to the extent of the conflict or inconsistency.

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GENERAL – CONSUMER REWARDS

These Consumer Rewards terms and conditions must be read with the rules relating to Qualifying Accounts, the Qualifying Criteria, the Rewards Levels, rewards and earn rules, restrictions, caps and limitations as are available from the respective Product Houses and which can be found on www.ebucks.com under the earn tab. We may at any time review and amend the rewards currency, Consumer Rewards, the rewards and earn rules, the Qualifying Accounts, the Qualifying Criteria, the Rewards Levels, restrictions, caps and limitations. You will be notified of any changes in accordance with the eBucks Rewards Programme terms and conditions and prevailing law.

Where you hold multiple accounts, you will be rewarded on the highest qualifying Cheque and/or Fusion Account. If you do not hold a Qualifying Cheque and/ Fusion Account you will be rewarded based on the highest qualifying Credit Card. Your Qualifying Purchases on both accounts will contribute towards the calculation on the qualifying earn categories.

Transaction based Consumer Rewards will be based on the earn or rewards rules applicable on the date when the transaction is posted by the merchant to the Qualifying Account, which date may be different from the date when the actual transaction took place. Consumer Rewards may be based either on end of day Bank Product balances or on Bank Product balances during the day.

Product Houses may at their sole discretion at any time: include or exclude a Bank Product from taking part in the eBucks Rewards Programme, change the eBucks earn and rewards rules, limit the amount of eBucks you can earn using a Bank Product and set a spend threshold on your account. A spend threshold means that you will have to make qualifying purchases above the spend threshold to start earning eBucks. Consumer Rewards earned and allocated may be limited by Product Houses to maximum amounts per allocation or deposit period. These limitations may be changed from time to time.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, cash withdrawals, travelers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on joint accounts or on FNB Money Market Transactor Accounts.

If all your FirstRand Bank accounts are not active and in Good Standing, you will not be entitled to earn eBucks or receive any rewards. eBucks are transferable between Personal eBucks Accounts and from a Business eBucks Account to a Personal eBucks Account only. Monetary rewards may not be transferred to an eBucks Account and eBucks cannot be converted to cash. You must be resident in the Republic of South Africa to earn Consumer Rewards.

We are not responsible for any loss, service interruption or delay resulting from circumstances beyond our reasonable control, including but not limited to: power cuts or a failure, malfunction or delay in an electronic data terminal, ATM, network or other system.

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IMPORTANT NOTICE: TAX IMPLICATIONS

We strongly recommend that you obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks. Transfer refers to the transfer of rewards, benefits, discounts or eBucks to another person, business or entity.

You agree that you will not hold Us, FNB or FirstRand Bank Limited ("the Bank") or any of the Bank's affiliates liable and You hereby fully indemnify the Bank or any of the Bank's affiliates, and hold the Bank or any of the Bank's affiliates completely harmless, against all damages, claims and fines made against you or the Bank or any of the Bank's affiliates, including all legal costs on an attorney-and-own-client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to your receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks, or the charges in respect thereof.

You are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or eBucks received, accumulated, transferred or spent, due to you being a Member of, or participating in, the eBucks Rewards Programme, or due to you being a customer of the Bank.

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ELIGIBILITY FOR CONSUMER REWARDS

As from 31 May 2016, in order to join as a Personal Member of the eBucks Rewards Programme you must produce and provide Us with either a valid South African identity number and/or an Active FirstRand Bank Account as defined upon registration. Where you provide an Active FirstRand Bank Account this must be an account on which you frequently transact. If you are unable to provide the aforementioned information you will not be allowed to register as an eBucks member.

To qualify for rewards you must meet the Qualification Criteria applicable to your specific Qualifying Accounts. If any of the Qualification Criteria are not met you will be disqualified from earning eBucks until such time as all the qualification criteria are met.

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FNB EASY ACCOUNTS

If you meet the Qualification Criteria and depending on your Qualifying Purchases at Usave, Checkers and Shoprite, you could be rewarded with airtime for the network provider of your choice on a monthly basis. Where you fail to meet any of the Qualification Criteria at any time, you will not qualify to receive any rewards. In order to redeem your airtime reward, you need to be registered for cellphone banking.

Only FNB Easy Accounts on the Easy Smart Option or Bundle pricing option will qualify to earn airtime rewards. FNB Easy Accounts on the PAYU pricing option do not qualify to receive airtime rewards.

Qualifying Purchases exclude purchases made at MediRite Pharmacies and Money Market counters, Computicket, Computicket Travel and Cash@Till®

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, rewards rules, limitations, spend caps, qualifying products forming part of the FNB Product Groups and the product requirements relating thereto where applicable, are available on our Website.

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FNB GOLD ACCOUNTS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. Where you fail to meet any of the requirements set out under the Qualification Criteria at any time, you will not qualify to earn any eBucks.

Your Rewards Level will be determined by the number of qualifying products held by you from the different Reward Level groups as defined and as further set out on our Website under the earn tab. For each requirement you meet from a different Reward Level group, you'll move up a Rewards Level. A Reward Level group will move you up one Rewards Level only, notwithstanding how many qualifying products you hold from that Reward Level group.

Your Rewards Level is reviewed around the 8th of each month. While there are eight different groups, each giving you unique opportunities to level up, Reward Level 5 is still the highest level that can be reached.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, inter-account transfers, Bidvest or SLOW lounge entrance fees or charges, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on FNB Money Market Transactor Accounts.

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps, qualifying products forming part of the reward level groups and the product requirements forming part of such qualifying products' sub-products are available on our Website, where you can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator.

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FNB PREMIER ACCOUNTS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. If you stop meeting any of the Qualifying Criteria at any time, you will not qualify to earn eBucks.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). Your Rewards Level is determined by how many points you have collected in a calendar month, which is based on how you use your bank account(s). We will review your Rewards Level monthly, on or about the 8th of each month. There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, inter-account transfers, Bidvest or SLOW lounge entrance fees or charges, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on FNB Money Market Transactor Accounts.

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps and how to collect points are available on our Website, where you can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator

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FNB PRIVATE CLIENTS ACCOUNTS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. If you stop meeting any of the Qualifying Criteria at any time, you will not qualify to earn eBucks.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). Your Rewards Level is determined by how many points you have collected in a calendar month. We will review your Rewards Level monthly, on or about the 8th of each month. You collect points based on how you use your bank account(s). There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, inter-account transfers, Bidvest or SLOW lounge entrance fees or charges, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on FNB Money Market Transactor Accounts.

eBucks Lifestyle Rewards

As an FNB Private Clients customer, you can enjoy the exclusive service of eBucks Lifestyle, where a lifestyle assistant will assist you with travel arrangements, gifting services, dining reservations, and event and leisure arrangements. eBucks Lifestyle has their own terms and conditions, which are available from eBucks Lifestyle. Further details concerning the services and benefits available from eBucks Lifestyle are available on our Website.

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps and how to collect points are available on our Website, where you can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator.

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FNB PRIVATE WEALTH ACCOUNTS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. If you stop meeting any of the Qualifying Criteria at any time, you will not qualify to earn eBucks.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). Your Rewards Level is determined by how many points you have collected in a calendar month. We will review your Rewards Level monthly, on or about the 8th of each month. You collect points based on how you use your bank account(s). There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, inter-account transfers, Bidvest or SLOW lounge entrance fees or charges, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on FNB Money Market Transactor Accounts.

Smart Devices

The amount on which you earn eBucks is limited to a combined total monthly rand spend (on qualifying Smart Device contracts only) of R500. This earn is only applicable to qualifying Smart Device contracts taken out on or before 30 June 2018. Qualifying Smart Devices are limited to laptops, tablets and smartphones and specifically excludes the FNB ConeXis.

eBucks Lifestyle Rewards

As an FNB Private Wealth customer, you can enjoy the exclusive service of eBucks Lifestyle, where a lifestyle assistant will assist you with travel arrangements, gifting services, dining reservations, and event and leisure arrangements. eBucks Lifestyle has their own terms and conditions, which are available from eBucks Lifestyle. Further details concerning the services and benefits available from eBucks Lifestyle are available on our Website.

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps and how to collect points are available on our Website, where you can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator.

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RMB PRIVATE BANK ACCOUNTS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. If you stop meeting any of the Qualifying Criteria at any time, you will not qualify to earn eBucks.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). Your Rewards Level is determined by how many points you have collected in a calendar month. We will review your Rewards Level monthly, on or about the 8th of each month. You collect points based on how you use your bank account(s). There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, inter-account transfers, Bidvest or SLOW lounge entrance fees or charges, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn eBucks on FNB Money Market Transactor Accounts.

Smart Devices

The amount on which you earn eBucks is limited to a combined total monthly rand spend (on qualifying Smart Device contracts only) of R500. This earn is only applicable to qualifying Smart Device contracts taken out on or before 30 June 2018. Qualifying Smart Devices are limited to laptops, tablets and smartphones and specifically excludes the FNB ConeXis.

eBucks Lifestyle Rewards

As an RMB Private Bank customer, you can enjoy the exclusive service of eBucks Lifestyle, where a lifestyle assistant will assist you with travel arrangements, gifting services, dining reservations, and event and leisure arrangements. eBucks Lifestyle has their own terms and conditions, which are available from eBucks Lifestyle. Further details concerning the services and benefits available from eBucks Lifestyle are available on our Website.

Further details concerning rewards, Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps and how to collect points are available on our Website, where you can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator.

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FNB GOLD, FNB PREMIER, FNB PRIVATE CLIENTS, FNB PRIVATE WEALTH AND RMB PRIVATE BANK ACCOUNT – GENERAL REWARDS

REWARDS FOR FUEL, GAUTRAIN AND UBER

As of 1 July 2018, fuel earn will now be exclusive to Engen. No earn will be awarded on fuel purchases at any other fuel retailers. You can fill up at any Engen fuel station within the borders of the Republic of South Africa, but you must pay for your fuel through the fuel station pay point on the Engen forecourt. You won't earn eBucks if you pay for fuel at the Quickshop. An FNB/RMB Private Bank Petro Card linked to an FNB/RMB Private Bank Credit Card will qualify to earn eBucks when filling up at any Engen fuel station within the borders of the Republic of South Africa. Fuel earn is based on the price of inland ULP 95. If the fuel price changes during the calendar month, the new price will be used to calculate fuel earn for that calendar month.

You will not earn any eBucks on fuel purchases in the following circumstances: the fuel retailer refuses to accept any of our Bank Products for any reason; the Product House cannot identify a qualifying fuel transaction at the time the transaction is processed by the fuel retailer for any reason, including but not limited to the fuel retailer not processing the transaction as a fuel transaction correctly; the fuel is purchased outside the Republic of South Africa; the Qualifying Account is dormant or closed; or the fuel purchase constitutes a fraudulent transaction.

Qualifying customers earning eBucks on fuel purchases will not earn additional rewards for general shopping purchases on fuel purchases. Purchases from Engen Quickshops will qualify as general shopping purchases and not as fuel purchases.

You will only earn eBucks on Uber rides within the borders of the Republic of South Africa.

REWARDS FOR FNB LIFE

The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.

The monthly premiums on your qualifying FNB Life Insurance Policy, Funeral Plan and/or Accidental Death Plan must be paid on time from an FNB Cheque Account or FNB Credit Card. You won't earn eBucks for any month where premiums weren't paid - either because you didn't make payment that month, or because FNB Life chose to waive your premium that month for any reason (for example in the month of your 'Premium Holiday').

You will earn eBucks back on premiums and collect points for the following cover types: Life Cover, Disability, Critical Illness, Debt-Linked, Income Protection, Funeral and Accidental Death.

The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life policies. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points towards your rewards level.

In the case of an FNB Life Policy, only the payer of the premiums will earn eBucks; other lives insured and/or beneficiaries named in the policy won't earn eBucks.

These rules apply automatically upon you qualifying for eBucks rewards.

REWARDS FOR FNB FOREX

To qualify for eBucks on FNB Forex transactions the transactions must be done using Online Banking or the FNB or RMB Banking App using Your smart phone, except where you have a standing instruction with FNB Forex to transact on your behalf. You only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African rand). You do not earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal™, MoneyGram™ or any other foreign exchange products. You also do not earn eBucks when you are transacting on a special discount or pensioner pricing. The eBucks you earn will be paid in the month after the FNB Forex transaction was done.

REWARDS FOR FNB CONNECT CONTRACTS AND PREPAID AIRTIME

You earn eBucks on your qualifying FNB Connect contract related SIM spend and FNB Connect top-up or prepaid airtime purchases (excluding any smart device premiums or any other device premiums linked to your FNB Connect contract(s)). You earn eBucks on FNB Connect prepaid airtime purchases made via the Electronic Banking Channels.

REWARDS FOR SHOPPING AT SHOPRITE CHECKERS

Where you earn eBucks on Qualifying Shoprite Checkers Purchases, you will then not earn additional rewards for general shopping purchases on those Qualifying Shoprite Checkers Purchases.

You will not earn eBucks on purchases made at MediRite Pharmacies or Money Market counters, Computicket, Computicket-Travel and Cash@Till® withdrawals

You will not earn any eBucks on Qualifying Shoprite Checkers Purchases in the following circumstances: Shoprite Checkers refuses to accept Your FirstRand Bank Cards for any reason; the Product House cannot identify Qualifying Shoprite Checkers Purchases at the time the transaction is processed by Shoprite Checkers for any reason, including but not limited to Shoprite Checkers not processing the transaction correctly; the Qualifying Account being dormant or closed; or the Qualifying Shoprite Checkers Purchases constituting a fraudulent transaction.

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Definitions

TERMS DEFINITIONS
Access Codes Your UserID, eBucks PIN, eBucks Business Card PIN and/or OTP.
Active The status of your FNB or RMB Private Bank Qualifying Account as determined by the responsible Product House and further refers to an account which is frequently transacted on.
Additional Delivery Fees A fee charged, over and above the Delivery Fee, for the delivery of a product to an area to which We do not usually deliver.
Affiliate Any division, subsidiary, affiliate or its assigns of FirstRand Limited or such subsidiary or affiliate's division, subsidiary, affiliate or its assigns and so forth, as well as Our various Partners and our Suppliers where the context so requires.
Bank Product (s) Your applicable FNB or RMB Private Bank product, card or account.
Balance SMS Service If You request Your eBucks balance via Your Selected Cellular Phone by sending a SMS to 32224 with the word BALANCE and Your ID number, Your eBucks balance, as at the end of the previous month, will then be sent via SMS to Your Selected Cellular Phone.
Business / Business Member(s) Gold Business, Platinum Business, Enterprise Business and Private Business customers registered for the Business Rewards Programme.
Business Days All weekdays, Monday to Friday inclusive, but excluding Saturdays, Sundays and all Public Holidays.
Business eBucks Account The eBucks account provided by Us to Business Members.
Business Rewards / Business Rewards Programme A distinct component of the eBucks Rewards Programme designed exclusively for qualifying Gold Business, Platinum Business, Enterprise Business and Private Business Members.
Checking Out When Members conclude a transaction for the purchase of all products and/or services in his/her/its Shopping Basket.
Consumer Protection Act The Consumer Protection Act 68 of 2008, the general effective date of which is 31 March 2011. The Act envisages different roles including that of: consumer, producer, importer, distributor, supplier, distributor, retailer, service provider, intermediary and a loyalty programme. The different roles are regulated differently. Certain provisions in the Consumer Protection Act do not apply to activities regulated by specified provisions of the Electronic Communications and Transactions Act 25 of 2002.
Consumer Banking A segment within FNB focused on providing retail banking and related services to customers. For the purposes of Consumer Rewards this includes FNB Easy, FNB Gold, FNB Premier, FNB Private Clients Accounts and RMB Private Bank Accounts and Credit Cards.
Consumer Rewards The rewards designed for qualifying Consumer Banking customers.
Consumer Credit Card A Bank Product offered by Consumer Banking.
Delivery Fee A fee automatically calculated by the Website for each Shopping Basket, which will be charged by the eBucks Rewards Programme for the delivery of products and/or services purchased via the eBucks Shop, but which expressly excludes any Additional Delivery Fees.
Disclaimer(s) Our Disclaimers, Waivers and Limitation of Liabilities provisions which can be found here.
Discount Level One of five discount levels determined by Us in accordance with our discount rules. The prevailing discount levels are available on Our Website.
Dormancy Administration Penalty A penalty amount of eB90 (inclusive of VAT), which will be deducted on a monthly basis on a dormant eBucks Account.
eBucks/eB Means the units acquired, earned and spent by a Member in accordance with the eBucks Rewards Programme, including the Business Rewards Programme, the value of which will be determined by Us from time to time. Currently eB10 (ten eBucks) is worth R1.00 (one Rand).
eBucks Accounts Includes both Personal eBucks Account and Business eBucks Account.
eBucks Contact Centre The eBucks Contact Centre that can be contacted on 087 320 3200.
eBucks Card A card similar to a debit card for earning or spending Your eBucks at eBucks Spend Partners who accept eBucks Cards as a payment mechanism in their retail stores.
eBucks Business Card An eBucks Card issued in respect of a Business eBucks Account.
eBucks Business Card Number The 16 digit number that appears on the front of Your eBucks Business Card.
eBucks Business Card PIN Your eBucks Business Card's 4 digit personal identification number which You will only use for purposes of spending Your eBucks at Our Spend Partners who accept eBucks Cards as a payment mechanism in their retail stores.
eBucks Personal Card An eBucks Card issued in respect of a Personal eBucks Account.
eBucks Personal Card Number The 16 digit number that appears on the front of Your eBucks Personal Card
eBucks PIN Your 4 digit personal identification number.
eBucks Lifestyle Desk The eBucks Lifestyle Desk is available to qualifying FNB Private Clients, FNB Private Wealth and RMB Private Bank Customers only. For further information concerning this offering please contact the eBucks Lifestyle Desk on 087 575 0050 or 011 377 5211 or email eBuckslifestyle@ebucks.com.
eBucks Payment Solution The eBucks Payment Solution enables Members to purchase available goods and services from selected Online Partners websites with eBucks.
eBucks Rewards Programme Means the rewards programme operated by Us whereby eBucks may be earned by Members and/or used to purchase goods and services from Our various Partners and/or the eBucks Shop, eBucks Travel and the conducting of competitions, promotions and new services
eBucks Shop An online shopping environment and catalogue located within the Website from where Members may purchase various products and services supplied to the eBucks Shop by Suppliers.
eBucks Travel A travel shop, which can be accessed on www.eBucks.com or by telephonically contacting the eBucks Travel Desk. Members may purchase a variety of travel-related products, packages and services via the eBucks Travel Desk.
eBucks Travel Desk Our Travel Agency, which You can contact on 087 587 2835.
Enterprise Business Cheque Account This includes the following qualifying accounts, namely an Enterprise Business Cheque Account, a Commercial Cheque Cashman Account, a Commercial Non-Resident Cheque Account or an Islamic Business Cheque Account.
FNB First National Bank, a Division of FirstRand Bank Limited, an Authorised Financial Services and Credit Provider (NCRCP20).
FNB Business A segment within FNB focused on providing business banking and related services to Gold Business, Platinum Business, Enterprise Business and Private Business Members.
FNB Business Credit Card For the purposes of Business Rewards this includes an FNB Business Credit Card, an FNB Business Gold Credit Card, an FNB Business Platinum Credit Card or an FNB Business Black Credit Card.
FNB Connect A segment of FNB providing voice and data services.
FNB Easy Account Refers to either an Easy bundle pricing option or an Easy Pay As You Use "PAYU" pricing option as offered through FNB.
FNB Electronic Channel(s) FNB Online Banking, FNB ATMs, FNB Cellphone Banking and the FNB Banking App.
FNB Fusion A Banking Product offered by Consumer Banking.
FNB Life A business unit of FNB, a division of FirstRand Bank Ltd, offering the policies of FirstRand Life Assurance Ltd.
FNB Product Group(s) Refers to eight different product groups used to determine your Rewards Level in relation to an FNB Gold Account.
FirstRand Bank Account An FNB, RMB Private Bank, WesBank and Ashburton account which is deemed to be active in terms of the status determined by the responsible Product House and on which you frequently transact.
FirstRand Bank Cards Qualifying FNB and RMB Private Bank credit cards, debit cards or cheque cards.
FirstRand Bank Limited FirstRand Bank Limited, a registered bank, registration number 1929/001226/5/06.
FirstRand Life Assurance Limited FirstRand Life Assurance Limited is a registered insurer with registration number 2014/264879/06
FirstRand Limited FirstRand Limited, registration number 1966/01753/06.
Gold Business Cheque Account This includes the following qualifying accounts, namely a Gold Business Cheque Accounts, a Business Non-Resident Cheque Accounts, a Business Cheque Cashman Accounts, a Business Niche Markets Cheque Accounts, a Gold Business Islamic Cheque Accounts, a Business Cheque Khula Loans Account or an Islamic Mid Corp Cheque Account.
Good Standing An account that's in good standing means it isn't overdrawn, in arrears or in default, you haven't missed a premium, and you aren't undergoing sequestration, business rescue, or collection or liquidation proceedings (excluding debt review proceedings). This applies to all First Rand Bank accounts, including FNB, Ashburton and WesBank accounts.
Itinerary Means an itemised list of events for each day of a travel package.
Kulula.Com Kulula.Com is a division of Comair Limited, Registration Number 1967/006783/06.
Mandate A document nominating an individual to transact for and on behalf of the Business on the Business' eBucks Account and mandating Us to act on instructions from that nominee concerning all matters involving the Business's participation in the Business Rewards Programme.
Member(s) A person or Business who has registered with the eBucks Rewards Programme. This includes Business Members unless the context otherwise requires.
Networks All mobile network providers available through FNB Electronic Channels, excluding FNB Connect.
One Account A Bank Product offered by Consumer Banking.
Online Partner(s) Selected online partners where you are provided with direct access to online shopping via their websites, by selecting the eBucks Payment Solution at the checkout point on their websites.
OTP One Time Pin, including a Verified by Visa One Time Pin when required.
Our FNB eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
Partner(s) Legal entities that enable Members to earn, spend or both earn and spend their eBucks, including Online Partners.
Personal Cheque Account A Banking Product offered by Consumer Banking.
Personal eBucks Account The eBucks account provided by the eBucks Rewards Programme to an individual.
Personal Member A Member with a Personal eBucks Account.
Platinum Business Cheque Account This includes the following qualifying accounts, namely a Platinum Business Cheque Account, a PSB Public Schools Cheque Account or an Agricultural Business Cheque Account.
Primary Member The individual, in the case of a Business, responsible for managing the relationship between the Business and Us.
Privacy Policy View the Privacy Policy.
Private Business Cheque Account This includes the following qualifying accounts, namely an FNB Private Business Account, an FNB Juristic Account, an RMB Private Bank Business Account or an RMB Private Bank Juristic Account.
Product House The product house in FNB or RMB Private Bank responsible for the relevant FNB and RMB Private Bank product(s) and account(s).
Promoter The person who, together with Us, administers or advertises a competition and/or who provides or sponsors a prize for such competition.
Qualifying Account(s) The FNB and RMB Private Bank accounts as determined by the responsible Product House.
Qualifying Business Account(s) For the purposes of Business Rewards this includes a Gold Business Cheque Account as defined, Platinum Business Cheque Account as defined, Enterprise Business Cheque Account as defined and Private Business Cheque Account as defined.
Qualifying Business Cheque Card(s) For the purposes of Business Rewards this includes a qualifying Gold Business Cheque Account, a qualifying Platinum Business Cheque Account, an Enterprise Business Cheque Account and a qualifying Private Cheque Account.
Qualifying Commercial Electronic Banking Fees Debit order fees (internal and external); FNB ATM fees for payments and transfers; IVR Telephone Banking fees for payments and transfers; fees for cash deposits at FNB ATM Advance terminals and FNB Online Banking and FNB Online Banking Enterprise™fees for payments and transfers.
Qualifying Consumer Banking Customers The Qualifying Consumer Banking customers as determined by the relevant Product House.
Qualifying Criteria The qualifying criteria associated with the Qualifying Accounts as determined by the responsible Product House.
Qualifying Purchases Purchases or spend on which you earn eBucks or receive rewards as the case may be.
Qualifying Shoprite Checkers Purchases The Rand value of purchases, using qualifying FirstRand Bank Cards, of goods and services from Shoprite, Shoprite Hyper, Checkers, Checkers Hyper, Liquor Shop and U-Save retail outlets of Shoprite Checkers (Pty) Limited situated in South Africa, excluding transactions at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till® withdrawals.
Qualifying Shoprite Checkers eBucks Card Purchases Purchases, with eBucks or partially with eBucks using eBucks Cards, of goods and services from Shoprite, Shoprite Hyper, Checkers, Checkers Hyper, Liquor Shop and U-Save retail outlets of Shoprite Checkers (Pty) Limited situated in South Africa, excluding transactions at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till® withdrawals.
Rand The basic unit of money in South Africa. Currently R1.00 (one Rand) is worth eB10 (ten eBucks).
Rewards Level(s) The Rewards Level for each of Your Qualifying Accounts based on Your banking behaviour as determined by the Product House responsible for the applicable Qualifying Account
Rewards Rate The percentage Members will earn back based on Qualifying Purchases based on the Rewards Level they are placed on.
RMB Private Bank A division of FirstRand Bank Limited.
Recipient The person accepting the product from the Supplier, if You request that the product purchased in the eBucks Shop to be delivered to a place of work e.g. the mailroom or receptionist.
Security Policy Click here
Selected Cell Phone Your cell phone SIM Card which is connected to Your Selected Cell Phone Number.
Selected Cell Phone Number Your cell phone number which You have elected, upon registering for the eBucks Rewards Programme or as subsequently amended by You, to receive OTP's and eBucks PIN SMS reminders on. Your Verified by Visa OTP will be sent to Your FNB or RMB Private Bank inContact cellphone number. If Your Selected Cell Phone Number is not the same Your FNB or RMB Private Bank inContact cellphone number You will not be able to purchase goods and services in the eBucks Shop.
Service Terms Suppliers' own agreements, including but not limited to Online Partners terms and conditions, having their own terms and conditions that will govern Your use of the products bought from them and/or the use of the services supplied by them, such as refund policies and the terms relating to the use of the products and services.
Shopping Basket Constitutes a list of all products and/or services compiled prior to Check Out and which a Member at the time of Check Out offers to purchase together.
SMS Short Messaging Service is a message sent to a designated cellular phone, including Your Selected Cell Phone Number.
Spend Partner Partners that enable Members to spend their eBucks at their retail outlets or on their websites.
Subscription Products Products or services that eBucks for Business Members were able to subscribe to on a recurring basis through the eBucks for Business Shop. These products and services are subject to their own Service Terms and are no longer available for new purchases through the eBucks Shop or through the eBucks for Business Shop, which has been discontinued.
Suppliers Entities, as envisaged by the Electronic Communications and Transactions Act 25 of 2002, to whom You will refer all queries and complaints, unless expressly otherwise provided in these Terms and Conditions and/or in those circumstances contemplated in terms of the Consumer Protection Act with regard to products bought and services used via the eBucks Shop, eBucks Travel and Our Partners. Kulula.Com is the supplier in respect of all bookings made through the OBE.
Terms and Conditions These terms and conditions, including the eBucks for Business Terms and Conditions, as amended, novated, supplemented, varied or replaced from time to time, applicable to the eBucks Rewards Programme and all Our products and services and must be read in conjunction with all other relevant terms and conditions on the Website, product and service specific terms and conditions, Our Privacy Policy, Our Disclaimers, Waivers and Limitation of Liability provisions and the Service Terms. If you are not an eBucks Member and are using an eBucks Travel or purchasing an eBucks Travel product, the eBucks Travel Terms and Conditions will apply. If you are not an eBucks Members and are using the eBucks Lifestyle Desk the eBucks Lifestyle Desk Terms and Conditions will apply.
Third Party Websites Partner websites, including our Online Partner websites.
Transport For purposes of Business Rewards this includes fuel purchases and purchases on Uber and Gautrain.
Transactor the individual, in the case of a Business , nominated by the Primary Member to transact on the Business eBucks Account, for and on behalf of the Business. Should the Primary Member not have appointed a Transactor, then the Primary Member will for certain circumstances also be deemed the Transactor.
Travel Agent The travel agent designated for a specific travel package advertised on eBucks Travel. We may be designated as the Travel Agent.
Us FNB-eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
UserID Your South African Identity Number or Your eBucks Personal Card Number.
Verified by Visa Verified by Visa is a service offered by Visa International that uses a 3 D Secure OTP to protect a cardholder against fraud and unauthorised use.
Virtual Voucher An electronic voucher/gift card upon which Your purchase thereof is sent to Your designated cellular phone via Short Messaging Service (i.e. "SMS") or e-mail address. A Virtual Voucher may consist of up to a maximum of 10 (ten) tickets/vouchers printed at the point of collection.
We FNB-eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
Website The website which may be accessed at the universal resource locator https://www.eBucks.com. The Website consists of Our various webpages.
You/Your Refers to qualifying Member(s).