Your purchases will be charged to your Account.4.3 If your Card is lost or stolen, you must call customer services (see clause 22.1 below for contact details), as soon as you discover the loss. We will ask you to provide us with certain documents to support your claim. Plus, activate Rewards & More and you’ll also get instant rewards every time you shop! You may update your PI at any time by calling customer services.21. If you prefer to pay via EFT, use the below Bank Account details relevant to the country where you live: Be sure to use your 14-digit IDENTITY Account Number as the reference number. An online or ATM transferSetup TFG as a beneficiary online or at your bank to transfer your payments to us directly. On a 12+ month payment plan, interest on any balance will be charged. You will only be able to purchase on your Account again when you have paid off the amount of the desired purchase, and reduced your outstanding balance so that you have credit available for you to use as per your Credit Allocation before the temporary increase.5.6 If you are a contract worker at the time of opening your Account, or become a contract worker at a later stage, there may be limits / blocks placed on your Account up to 6 (six) months before your contract comes to an end. You can still pay and manage your account from home during the lockdown period using one of the many online payment options we have available (online self service, EFT and debit order, to name a few) – click here for all you need to know Your mail address, whether residential, postal or electronic, (if possible) will be used to forward statements, notices or other communication to you. The Province of Ontario enters lockdown on December 26 for a minimum of 28 days. Her training like so many others, started in person and transitioned to online teachings during lockdown. 3.4 If the Agreement is amended, or if we change, repeal, replace or add to any of the conditions of using your Account, we will notify you of this by sending the changes to your chosen mail address, or by notifying you on your monthly Statement. Despite governmental efforts in supporting companies, financial problems will undoubtedly arise as a result of the coronavirus. To make a payment with your online profile. Setup a debit orderComplete a Debit Order Instruction Form and then fax or scan and email the form to our Customer Services Department for processing. The app will then notify you when payment transfer is successful. We will notify you of such a change by mail or electronically.15.7 If you go under Debt Review, you must inform us of this immediately. 12.3 We reserve the right to increase, decrease or maintain Your Rate at our discretion. “But right now – with many firms struggling – asking may be bad timing,” it says. We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.13.2 If we have to institute any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred, including but not limited to, legal costs on the “attorney and client scale”, collection charges, tracing fees and all necessary disbursements plus value added tax (VAT) thereon. The cancellation of the debit order instruction will not cancel your Agreement with us.11.5.6 The debit audit instruction cannot be assigned to any third party, unless your Agreement is ceded or assigned to a third party, in which event the debit order authority may then be ceded or assigned to that third party.11.5.7 Receipt of the debit order instruction by us shall be regarded as receipt thereof by your bank.12. Your Personal InformationIn this Agreement, Personal Information (“PI”) means:19.1 Your Personal Information that you give us when you open your Account, or that we already hold about you, or information that we may record, including any phone number from which you call us.19.2 Information we receive from enquiries we make regarding a decision on your Application, or on the Agreement, including information we receive from searches made by us in your name with any credit bureau.19.3 Information about any Account or credit life policy or credit insurance which you hold with or through us.19.4 Information we receive from anyone who is allowed to give us information about you in relation to your Application, or Account, or credit life policy or credit insurance.20. In Namibia, Alexander Forbes Insurance Company Namibia Limited underwrites the insurance cover.9.2.3 Account settlement:  In the event of your death an amount up to a maximum of R2 000 (two thousand rand) will be credited to your Account towards payment of the balance owing to us for accidental death, if you die under the age 40 (forty), and for accidental death or natural death, if you die over the age 40 (forty); and9.2.4 Death cover:  R2 000 (two thousand rand) will be paid for accidental death, if you die under the age of 40 (forty), or R2 000 (two thousand rand) will be paid for accidental death or natural death, if you die over the age of 40 (forty).9.2.5 If, after payment of the amount referred to in 9.2.3 above has been made, there is still a balance outstanding on your Account, then your estate will be liable for payment of that balance.9.2.6 The separate policy and disclosure notice that will be given to you, is applicable to Account Benefits, and is binding on you, in addition to this Agreement. German employees have a 26 billion Euro insurance fund which guarantees workers a minimum 60% of their basic pay. Optional products that we may offer you9.1 We may market certain TFG products to you from time to time. The interest is added to your outstanding balance.12.5 Interest on Suspensive Interest Plans:12.5.1 If your Account is not in arrears at the beginning of the month, and you pay your full Instalment on or before the due date, the interest as set out in clause 12.4 above will not be charged.12.5.2 If you do not pay your full Instalment by the due date, interest will be charged as per clause 12.4 above until you have brought your Account up to date.12.6 If your Extended Credit Plan goes into arrears, additional interest on overdue amounts will be charged to your Account at Your Rate. By opening an Account with us, you consent to us processing your PI, and you waive any rights or claims that you may have against us relating to the provision of PI by or to us in terms of this Agreement.20.2 We may also assess your information with other sources of credit worthiness including fraud prevention agencies and financial institutions.20.3 You agree and consent that we may process, record or disclose your PI including details of your transactions –20.3.1 to any person working for us;20.3.2 if you arrange insurance through us, to that insurer, or any organisation which underwrites or supports any of our products which you hold;20.3.3 to any payment system under or through which your Account is paid;20.3.4 to anyone you authorise us to give your PI to;20.3.5 if we think it is necessary or may be of benefit to you or where it is in the public interest to do so;20.3.6 to enable us to comply with any applicable laws and /or regulations;20.3.7 to manage your Account with us;20.3.8 to give effect to, monitor and evaluate our business and where our interests require this; and20.3.9 to any fraud prevention agency, in the case where you lodge a fraud claim with us.20.4 We may share positive and negative information about you or your Account, including any non-compliance with the terms and conditions of this Agreement, with other companies.20.5 We will continue to process your PI for the full duration that you hold an account with us. We will refund the total amount that you have paid us for those goods, after the deduction of the penalty, to you upon request.23.6 We may give you notice to cancel your Lay-By if you do not pay in full within the time period allowed, electronically or by telephone.23.7 No goods will be released to you until the Lay-By has been paid for in full. Please contact customer services if you wish to be excluded from all electronic marketing from TFG.22.12 You have the right to attempt to resolve a complaint by way of alternative dispute resolution.22.13 You can file any complaints with the National Credit Regulator (“NCR”), contact number 0860 627 627, or apply to the National Credit Tribunal.22.14 You have the right to apply to a debt counselor for debt review or to be declared over-indebted. Alternatively you can take the completed form to your nearest store. We may investigate the matter, and if we conclude that you did not make the purchase(s), we may not hold you liable for the disputed purchases.5. Consequently, some tenants may be facing a problem in paying rent due to a cash crunch. To make arrangements for completing a signature card, please contact us at 708-478-4447 and we'll be happy to assist you. These payments take up to 3 working days to reflect on our system.Your account number must be used as the reference/beneficiary number to ensure your payments are received. You may decide to pay more frequently if you wish.23.3 The total period for the Lay-by is 6 (six) months for jewellery, and 3 (three) months for all other goods. Time to time other court having jurisdiction.18 reserve the right to increase, decrease or maintain your Rate our! 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