PAYJUSTNOW
SHOPPER TERMS AND CONDITIONS
Last updated: 25 June 2024
All clauses in these Terms that are displayed in BOLD are provisions which limit the risk or liability of PayJustNow and constitute an assumption of risk or
liability by you, impose an obligation on you to indemnify PayJustNow
or is an acknowledgement of a fact by you. Please read these clauses carefully
before agreeing to it.
1.1. All information available on
the PayJustNow Platform
and with the Payment Services is the
intellectual property of PayJustNow and are subject to the Agreement and
applicable laws.
1.2. Please read the Privacy
Policy in detail as it forms part of your agreement with us and explains how we
use your Personal Information and how we may share it with our Business
Partners to prepare personalised offers to you.
1.3. To the maximum extent
permitted by applicable law, you bear all risk arising out of your use of the PayJustNow Platform and Payment Services.
2.
DEFINITIONS
2.1. "Account" means the account that a Customer creates on
the PayJustNow Platform through which Customers
access the Payment Services;
2.2.
“Additional Products” means financial or other services / products which third parties may
advertise on the PayJustNow Platform;
2.3.
"Agreement" means these Terms, the Privacy Policy and any other
policies indicated to form part of the agreement between you and us and
regulates your use of PayJustNow's Payment Services,
the PayJustNow Platform and our relationship;
2.4.
"Business Day"
means any day or other than a Saturday, Sunday or official public holiday in South Africa;
2.5.
“Business Partner(s)” means third parties who we partner
with to provide you with products or services for legitimate
business purposes;
2.6.
"Card" means
your valid debit, virtual, or credit card which has been issued to you, in your
name, by a South African bank;
2.7.
"Customer",
"User", "you" and "your"
means the person who has created an Account to use the Services to make
purchases from a Merchant;
2.8.
"Default Fee" means the fee PJN will charge
the Customer in situations more fully described in clause 6 INSTALMENT
PAYMENTS, DEFAULT FEES AND DEFAULT INTEREST. The Default Fee amount at the time the Customer applies for an Account will
be disclosed to the Customer in the application process. Thereafter the Default
Fee mount may be changed from time to time by PJN upon prior notice to the Customer;
2.9.
"Default Interest"
means the interest that we may charge on overdue Instalments (excluding any Default Fees) at the maximum rate allowed for incidental
credit agreements in terms of the NCA, as amended from time to time, and which we
calculate daily and add to the outstanding balance monthly;
2.10. "Goods" mean the products or services
that you purchase from a Merchant and for which you pay through the Services;
2.11.
"Instalment"
means a periodic payment in respect of the Purchase Price as set out in the
Payment Plan;
2.12.
"Merchant" means the business that has partnered with us to
offer Goods for payment through the PayJustNow Platform;
2.13.
"NCA" means
the National Credit Act 34 of 2005, as amended, and any regulations to the NCA;
2.14.
"PayJustNow", "us", "we" and "our" means PayJustNow
Proprietary Limited (company registration number 2019/164250/07), a private
company incorporated in terms of the laws of the Republic of South Africa, with
its physical address at 3rd Floor Sunclare Building,
21 Dreyer Street, Claremont, Western Cape, 7708, South
Africa;
2.15. "PayJustNow Platform" means the Website and
mobile application through which we provide the Payment Services;
2.16. "Payment Plan" means the
periodic payment plan in terms of which you pay for the Purchase Price of
Goods, which plan sets out the Instalment, applicable Default Fees and Default
Interest, and the due dates for payment, accessible on the PayJustNow
Platform;
2.17.
"Payment
Services"
means the services that PayJustNow supplies allowing Customers to pay the
Purchase Price for Goods in Instalments in terms of a Payment Plan;
2.18.
"PCI DSS Policy" means the PCI DSS policy
of PayJustNow as amended from time to time, available
on the Website;
2.19.
"Personal Information" has the meaning as
defined in POPIA;
2.20.
"PJN Wallet” means the PJN wallet facility connected to a Customer’s
account;
2.21. "POPIA" means the Protection of Personal Information Act 4 of 2013, as amended from time to
time, including any regulations and/or code of conduct made under the Act;
2.22.
"Privacy Policy" means the privacy policy
of PayJustNow as amended from time to time, available
on the Website;
2.23. "Purchase
Price" means the purchase price of the Goods that you
purchase from the Merchant, including VAT and any other fees agreed with the Merchant;
2.24. "Refund" means a refund of the Purchase Price or
any portion thereof, whichever applies;
2.25.
"Services" means the Payment Services and/or Payment Platform;
2.26.
"Terms" means these terms and conditions;
2.27.
"VAT" means value added tax levied in terms of the Value Added Tax Act,
89 of 1991;
2.28.
"Website" means www.payjustnow.com, including all sub-domains.
3. WHEN DOES THE AGREEMENT APPLY?
3.1.
This Agreement applies when you
open an Account or use the Services, including the period until you have paid
all Instalments, Default Fees and Default Interest and we have finalised any
disputes between us.
3.2.
You must accept the Agreement when
you create an Account and in order to use the
Services.
3.3.
We reserve the right to refuse
any request for the Services without notice or reason.
3.4.
If there is a conflict between
these Terms, the Privacy Policy and the PCI DSS Policy, the following order of
preference will apply:
3.4.1. Privacy Policy
3.4.2. PCI DSS Policy
3.4.3. these Terms.
4.
YOUR
ACCOUNT AND INFORMATION
4.1.
In order to access and use the Services, you must create an Account which includes
to provide certain information about yourself, including Personal Information.
4.2.
You agree that when creating
your Account, PayJustNow may run a credit check with
a registered credit bureau or other third party source
to obtain and confirm the information you have provided or obtain information
that may be relevant to your application to open an Account.
4.3.
By creating an Account, you
acknowledge and agree that all information provided to PayJustNow,
including the Personal Information, is your own and is correct and complete,
and you agree to update that information if it changes.
4.4.
You are solely responsible to keep
your Account access credentials safe. This means that should anyone enter your
Account access credentials (whether that be you, or anyone else), we assume
that the person using the Services is you.
4.5.
You may not share your Account
with other Customers or third parties. Only you may use your Account to access or
use the Services and you may only use your Account and the Services for your
own personal purposes. You are strictly prohibited from sub-licensing or
commercially exploiting your Account or the Services.
4.6.
You must familiarise yourself
with our security requirements, guidelines and procedures that we communicate
from time to time and follow these carefully.
4.7. You must inform us immediately if there has been, or if you suspect, any
breach of security or confidentiality in relation to your Account and update
your Account access credentials by sending an email to support@payjustnow.com. Telephonic support on 0213002152
is available during the hours specified on the Website. We will update the
Account within 12 hours of receiving your notification, but you will at all times remain liable for all transactions under your
Account until we have updated it in terms of this clause 4.7.
5. THE PAYJUSTNOW PLATFORM AND PAYMENT
SERVICES
5.1.
We offer a Payment Plan that
allows you to purchase Goods from a Merchant and pay for those Goods over an
agreed period set out in each Payment Plan. PayJustNow
makes payment of the full Purchase Price to the Merchant on your behalf, and
you agree to pay PayJustNow the full Purchase Price
in Instalments over the period as set out and in the Payment Plan.
5.2.
Once you have created an
Account, PayJustNow may assign a purchase limit to
you, based on the
financial information you provided and any checks that we have carried out. We
indicate the purchase limit on the PayJustNow
Platform, and each Payment Plan that you enter into
and settle will reflect against your purchase limit. PayJustNow
reserves the right to adjust your purchase limit from time to time.
5.3.
PayJustNow may, at its discretion, limit how many active Payment Plans you have at
the same time.
5.4.
If you do not pay an Instalment
as agreed, you will be liable for Default Fees, and may become liable for
Default Interest.
5.5. You will enter into a
new Payment Plan each time you use the Payment Services to purchase Goods from
a Merchant.
5.6. You may only use the Payment Services if you are 18 (eighteen) years and
older. By agreeing to the Agreement and using the Services, you confirm that
you:
5.6.1. have a valid bank Card issued in your name;
5.6.2. are a permanent resident of South Africa, or lawfully reside in South Africa;
5.6.3. are permanently employed or self-employed;
5.6.4. have not applied for or are not currently over-indebted, under debt
counselling or subject to debt review;
5.6.5. have not been declared mentally unfit or ill by a court, or under
administration or provisional or final sequestration.
5.7. By agreeing to these Terms, you
unconditionally and irrevocably agree that PayJustNow
is allowed to debit your Card with the Instalment amounts, and any Default Fees
and Default Interest, as set out in the Payment Plan.
5.8. You are liable for any fees or charges that
your bank or Card issuer may charge you for using the Payment Services and any
debits or credits raised against your Card as a result of
using the Payment Services. PayJustNow will not be
liable for any charges that you incur if an Instalment is unsuccessful.
6. INSTALMENT PAYMENTS, DEFAULT FEES AND
DEFAULT INTEREST
6.1.
The Payment Plan sets out the
amounts due and owing by you and when each Instalment is due. If you pay all
Instalments when they become due, you will not pay any interest or fees to use
of the Payment Services.
6.2.
You may pay any Instalment in
advance manually through the Payment Platform, before the due date for the
Instalment.
6.3.
PayJustNow will charge a Default Fee automatically if we do not receive payment of
an Instalment on the due date for payment. To see how we help you to avoid
being in default, see Late fee
approach
6.4.
Where PayJustNow is unsuccessful in
debiting an Instalment from your Card on the due date, we may charge the Default
Fee for payment and charge it again each time we attempt to effect payment as
per the notice to you (normally on days 3 (three) and 7 (seven) after the due
date for payment, but these may vary), and always subject to a maximum of 25% (twenty-five
percent) of the purchase price of the Goods.
6.5.
If we are unsuccessful in
debiting your Card with an Instalment as set out in clause 6.4, you may make a manual
payment through the PayJustNow Platform within 24 (twenty-four)
hours of the due date for the Instalment, in which case we will not charge a
Default Fee to your Payment Plan.
6.6.
We will charge Default Interest
on any unpaid and overdue portion of the Purchase Price only, not on the Default
Fees. Default Interest will be added to the unpaid portion of the Purchase
Price at the end of each month and we will then
calculate Default Interest on that new amount each month.
6.7.
PayJustNow may, without liability or prior notice, suspend your access to the
Payment Services at any time if you are in default of any Payment Plans.
6.8.
You must notify us immediately
by sending an email to support@payjustnow.com if your Card or related bank account details change
so that we can update your details on the PayJustNow
Platform accordingly. You can also update your details through the PayJustNow Platform. You may not cancel or close the Card
and/or related bank account from which we debit your Instalments unless you
provided details for an alternative Card / bank account and/or until all
Payment Plans and any Default Fees and/or Default Interest have been paid in
full.
6.9.
If you have not paid the full
Purchase Price and any Default Fees and/or Default Interest by the final due
date for a Payment Plan, PayJustNow may inform you in writing
that you are in default and propose that you refer the incidental credit
agreement to a debt counsellor, alternative dispute resolution agent, consumer
court or ombud with jurisdiction, to resolve any dispute under the agreement or
agree on a plan to bring the payments up to date.
6.10. If you have been in default for at least 20 (twenty) Business Days and at
least 10 (ten) Business Days have passed since we have sent you the written notice
referred to in clause 6.9, and you have not responded to the notice, or have
responded by rejecting PayJustNow's proposals, PayJustNow may cancel the Agreement or approach a court for
an order to enforce the Agreement.
6.11.
At any time after the notice in
clause 6.9 has been delivered to you, but before PayJustNow
has cancelled the agreement in terms of clause 6.10, and at all times
subject to the NCA, you may re-instate the agreement by paying all overdue outstanding
amounts (i.e. any unpaid Instalments), any Default Fees and/or Default
Interest, and any charges and costs allowed for in the NCA to enforce the
incidental credit agreement (such as default administration and collection
costs) so that there are no outstanding amounts owing by you to PayJustNow.
6.12.
Transaction records: We will make all transaction information relating to the Payment Plans
available to you on the PayJustNow Platform.
6.13.
Changes to Default Fees: PayJustNow will give 30 (thirty) calendar days’ written
notice of any change to the Default Fees, including an increase. If you
continue to use the Service after the notice, you agree to pay the amended
Default Fee applicable after the notice period.
6.14.
Taxes: All Default Fees include any applicable taxes unless stated otherwise. To
the extent allowed under applicable laws, you are responsible for any
applicable taxes, whether they are listed on the transaction documents or not.
6.15.
Additional charges: If you cancel an Instalment payment by giving instruction to your bank to
return your funds, and they do so, or your billing details provided are no
longer valid, you will be liable to us for any penalty which we incur to that
bank for the failed payment.
7.
MERCHANTS
AND GOODS
7.1. PayJustNow is not a party to the agreement between you
and the Merchant in respect of the Goods, and PayJustNow
will not be a party to any disputes between you and the Merchant and will not
be liable if the Goods are defective or if the Merchant does not perform in
terms of your agreement with the Merchant.
7.2. PayJustNow will not be liable if a Merchant refuses to
accept the PayJustNow Payment Services for payment of
the Goods. PayJustNow will also not be liable if the
Goods you wish to purchase from a Merchant are no longer available for purchase
or at the advertised price.
7.3.
Any Goods purchased from a Merchant
through the Payment Services will be subject to the Merchant's terms and
conditions and policies of the Merchant.
7.4.
You irrevocably agree not to
withhold or dispute payments of your Instalments in terms of a Payment Plan in the event that you have a dispute with the Merchant about
the Goods that are subject to that Payment Plan. PayJustNow
will not withhold any payments to a Merchant or reverse any payments made to a Merchant
for Goods that you have purchased in the event of a dispute between you and the
Merchant.
8.
REFUNDS
8.1.
If you return any Goods
purchased from a Merchant through the Payment Services, the return of the Goods
(whether a full or partial return of all the items in the order) will be
between you and the Merchant, and will be subject to
the Merchant's returns policy and applicable laws.
8.2.
PayJustNow will record a Refund against your Payment Plan on instruction from the Merchant
only.
8.3. When we receive a Refund instruction from a Merchant, PayJustNow
will proceed as follows:
8.3.1. if the value of the amount being Refunded from the Merchant is more than
the balance of the Instalments still due for the relevant Payment Plan we will (a) settle the balance of the Payment Plan and
(b) refund the remaining amount to your PJN Wallet; or
8.3.2. if the value of the amount being Refunded is less than the balance of the
Instalments still due for the relevant Payment Plan we will credit the full
value of the Refund amount against the Instalments for the Payment Plan and
your Payment Plan will reflect the amount that is still due by you.
8.4. We will apply the amount Refunded in terms of clause 8.3.2 to your
Payment Plan as follows:
8.4.1. the Refunded amount will first be credited against the last Instalment of
your Payment Plan; then
8.4.2. if the Refunded amount is more than the last Instalment, the balance of
the Refunded amount will be credited against your second last Instalment,
8.4.3. and so on against each Instalment and will lastly be credited against
your first Instalment depending on the amount of the Refund.
8.5.
In the event
that a Merchant Refunds you directly, whether in cash,
store credit/vouchers, to your bank account, etc., you will still be liable to
pay PayJustNow for all of the Instalments and any
Default Fees and Default Interest, in terms of the Payment Plan.
9. PJN
Wallet
9.1.
Each Customer will have a PJN Wallet connected to his/her PJN account.
9.2.
The Customer agrees that PJN
may allocate any credit in the Customer’s PJN wallet towards any amount due by
the Customer to PJN or a Merchant.
9.3.
Funds in a Customer PJN Wallet
will only be credited to the Customer's Card upon closure of the consumer’s PJN
account and all funds due to PJN have been settled by the Customer.
9.4. If PJN suspects fraud on the Customer’s PJN account, then PJN can freeze the
funds in the Customer’s PJN Wallet pending investigation into the suspected
fraud.
10.
CANCELLATION AND SUSPENSION
OF THE AGREEMENT AND/OR YOUR ACCOUNT
10.1.
At any time, and without cause,
we may cancel or suspend your Account, access to the PayJustNow
Platform, and/or use of the Payment Services in our sole discretion, without
any liability if you are in breach of the Agreement.
10.2. In addition, PayJustNow may cancel or suspend
your Account if:
10.2.1. we become aware of circumstances that lead us to believe that you will
not perform your obligations required by the Agreement; or
10.2.2. you have not used your Account or the Payment Services for 3 (three)
years and are therefore considered to be an inactive User.
10.3.
Importantly, all our rights in respect of the confidentiality undertakings and our
limitation of liability as set out below will survive the termination of the
Agreement.
10.4. Upon termination of the Agreement:
10.4.1. you must immediately stop using the Payment Services;
10.4.2. you must immediately pay all amounts outstanding in terms of any Payment Plan;
10.4.3. we will delete your Account and you will no longer be able to access any
portion of the PayJustNow Platform or Payment Services
that requires an Account; and
10.4.4. once you have paid all amounts due, we will stop using your payment
information but will retain your Personal Information for a reasonable period
in line with our Privacy Policy and as required by law.
11. ACCEPTABLE USE POLICY
11.1.
Users may only use the Payment Services
or the PayJustNow Platform for personal,
non-commercial use and not for commercial purposes.
11.2.
Some devices may not support
the use of the PayJustNow Platform. It is your
responsibility to keep your device(s) updated and/or in a condition for them to
support the use of the PayJustNow Platform, including
internet access capabilities.
11.3.
We may restrict using the Payment
Services and the PayJustNow Platform to certain
geographical areas. It is your responsibility to determine whether your
location is supported by our Payment Services and the PayJustNow
Platform before incurring any liability to us as we will not be liable for any
loss that you may incur because of our Payment Services and the PayJustNow Platform not being supported in your location.
11.4.
You agree to respect our Payment
Services and the PayJustNow Platform and our
intellectual property in utmost good faith and use it only as we intend it to
be used.
11.5.
You agree not to copy, modify,
circumvent, disable, damage, impede the operation of and/or tamper with any
part of the Payment Services and the PayJustNow
Platform, including our security features.
12. PERSONAL INFORMATION AND ELECTRONIC
COMMUNICATIONS
12.1.
The right to privacy and the
protection of your Personal Information is important to us and PayJustNow is committed to taking steps to protect your
privacy when we process Personal Information, and we therefore implement
business practices and process Personal Information in accordance with
applicable data protection laws, including POPIA and process Personal
Information in accordance with these Terms and our Privacy Policy.
12.2. By providing us with your Personal Information and using the Services,
you consent to PayJustNow processing your Personal
Information for the following purposes:
12.2.1. conducting credit checks with registered credit bureaus and submitting
information to credit bureaus related to any agreement that may arise between
you and us;
12.2.2. verifying the information that you have submitted to PayJustNow
with relevant third party sources; and
12.2.3. direct marketing any products, benefits, or offers of the Merchants, Business
Partners by us, including through electronic channels and in the PayJustNow Platform, social media accounts or other digital
platforms, which consent you may withdraw at any time.
12.3. Your personal information will be processed in compliance with applicable
laws and for various business purposes as set out in our Privacy Policy. You acknowledge that we will share
your Personal Information with our Business Partners for legitimate business
purposes, including to conduct credit checks and prepare personalised offers for
you, also taking into account information obtained
through your use of the PayJustNow Service. We have
service level agreements with the parties we share information with to ensure
that your information is protected and only used to provide those services and
products to you.
12.4.
We will primarily use email and
electronic notices on the PayJustNow Platform to
communicate with you.
12.5.
You can always opt-out from receiving further direct marketing messages
at any point in time or withdraw your consent.
13.
THIRD
PARTY SITES AND PRODUCTS
13.1.
We may provide links to
third party websites or apps only for your convenience, and if we include any links or any advertisement of any
third party on the PayJustNow Platform, we do not endorse their websites or apps, their products, business or security practices or any association with its operators.
13.2.
If you access and use any third-party
websites, apps, products, services, and/or business, you do that solely at your
own risk.
13.3.
If you sign up to make use
of the services / products (Additional Products) offered by these third
parties, the terms of use for those Additional Products will be governed
between you and the applicable third party in a separate agreement to these PayJustNow shopper terms and conditions. PayJustNow may however act as payment or collection agent for
you or the third party as determined by the agreement between you and the third
party.
14.
INTELLECTUAL
PROPERTY RIGHTS
14.1. You acknowledge and agree that all right, title and interest in, and to,
any of our intellectual property (including but not limited to any copyright,
trademark, design, logo, process, practice, or methodology which forms part of,
or is displayed or used on the Payment Services including, without limitation,
any graphics, logos, designs text, button icons, images, audio clips, digital
downloads, data compilations, page headers and software) is proprietary to PayJustNow, our affiliates or the respective owner(s)'
property and will remain our, our affiliates' or the owner's property at all
times.
14.2. You agree that you will not acquire any rights of any nature in respect
of that intellectual property by using the Payment Services and the PayJustNow Platform.
15.
WARRANTIES
AND REPRESENTATIONS
Subject to
applicable laws:
15.1.
we give no guarantee about the content or quality of the Payment Services
and/or the PayJustNow Platform, and we also do not
give any advice;
15.2.
we do not give any warranty (express or implied) or make any
representation that our Services will operate error free or without interruption or that we will correct any errors or that the content is
complete, accurate, up to date, or fit for a particular purpose; and
15.3.
we make no representations to you, either express or implied, and we will
have no liability or responsibility for the proper performance of the Payment Services and the PayJustNow Platform and/or the information,
images or audio contained on the PayJustNow Platform. Our Services are used at
your own risk.
15.4.
You warrant to and in favour of us that:
15.4.1.
you have the legal capacity to agree to and be bound by the Agreement; and/or
15.4.2.
the Agreement constitutes a valid and binding contract.
15.5.
Each of the warranties given by you will:
15.5.1.
be a separate warranty and will in no way be limited or restricted by
inference from the terms of any other warranty or by any other words in the Agreement;
15.5.2.
continue and remain in force irrespective of whether the Agreement has
been cancelled; and
15.5.3.
be deemed to be material.
16.
LIMITED
LIABILITIES
16.1.
Subject to applicable laws:
16.1.1.
we will not be liable for any loss arising when you use the Services or if you rely on the information presented on the PayJustNow Platform or in the Payment Services;
16.1.2.
and other than as a result of PayJustNow's gross negligence or gross misconduct, PayJustNow will not be liable to you for any loss caused by using the Payment Services
or your liability to any third party arising from using the Payment Services.
This includes but is not limited to:
16.1.2.1.
any interruption, malfunction, downtime, off-line situation or other
failure of the PayJustNow Platform, system, databases or any of its components;
16.1.2.2.
any loss or damage regarding your data or other data directly or
indirectly caused by malfunction of the PayJustNow Platform; and
16.1.2.3.
any third-party systems whatsoever, power failures, unlawful access to or
theft of data, computer viruses or destructive code on the PayJustNow Platform, or third-party systems or programming defects;
16.1.3.
we will not be liable if any material available for downloading from the PayJustNow Platform is not free from
infection, viruses and/or other code that has contaminating or destructive properties;
16.1.4.
the PayJustNow Platform may include inaccuracies
or typos – in such instances we can't be held liable and can't be forced to
comply with offers that are genuinely (and/or negligently) erroneous;
16.1.5.
we are not responsible for the proper and/or complete transmission of the
information contained in any electronic communication or of the electronic
communication itself nor for any delay in its delivery or receipt. We have
implemented security measures to ensure the safety and integrity of our Payment
Services and the PayJustNow Platform. However, despite this, information transmitted over the internet may be
susceptible to unlawful access and monitoring; and
16.1.6.
our limited liability applies to all and any kind of loss which we can
possibly contract out of under law, including direct, indirect, consequential,
special or other kinds of losses or claims which you may suffer.
17.
FORCE MAJEURE
17.1.1. Except for the obligation to pay monies due and owing, PayJustNow will not be liable to perform in terms of the
Agreement if reasons beyond our control prohibit us. This includes lightning,
flooding, exceptionally severe weather, fire, explosion, war, civil disorder,
industrial disputes, acts or omissions of persons for which we are not
responsible, and acts of government or other competent authorities (including telecommunications
and internet service providers).
18.
GENERAL
18.1. Suspension of the PayJustNow Platform: we may temporarily suspend the PayJustNow
Platform for any reason, including repairs or upgrades and will take reasonable
efforts to notify Users in advance.
18.2.
Entire agreement: the Agreement constitutes the whole agreement between the parties and
supersedes any other discussions, agreements and/or understandings.
18.3.
Law and jurisdiction: the Agreement and all obligations arising from it shall be governed and
interpreted in terms of the laws of the Republic of South Africa.
18.4.
Good faith: the parties shall in their dealings with each other display good faith.
18.5.
No waiver: if PayJustNow does not insist or enforce strict
performance of the Agreement, or does not exercise any right under the
Agreement, it does not mean they waive their rights to enforce it in any other
instance.
18.6.
No assignment: you may not cede your rights or delegate your obligations in terms of the
Agreement without PayJustNow expressly agreeing.
18.7.
Relationship between the parties: the parties agree that neither party is a partner or agent of the other and
will not have any right, power, or authority to enter into any agreement for,
or on behalf of, or incur any obligation or bind the other party.
18.8.
No representation: to the extent permissible by law, PayJustNow
shall not be bound by any express or implied or tacit term, representation,
warranty, promise or the like not recorded herein, whether it induced the
contract and/or whether it was negligent or not.
18.9.
Severability: any provision in the Agreement, which is or may become illegal, invalid
or unenforceable shall be ineffective to the extent of such prohibition or
unenforceability and shall be severed from the balance of the Agreement,
without invalidating the remaining provisions of the Agreement.
18.10. No stipulation: no part of the Agreement shall constitute a
stipulation in favour of any person who is not a party to these Terms unless
the provision in question expressly provides that it does constitute such a
stipulation.
18.11.
Notices for the service of all
formal notices and legal processes:
18.11.1. PayJustNow: 3rd Floor, Sunclare Building, Claremont, Cape Town, 7708 and support@payjustnow.com as its email address or as updated on 7days’ written
notice.
18.11.2. You: address and email address specified in your Account.
18.11.3. Service via email shall be
accepted in all cases where notice is required unless alternative service is
required by law. Service via email is
deemed to be received at the time and day of sending.