UCount Rewards Programme
Terms and conditions
Hierdie vorm is ook in Afrikaans beskikbaar - Vormnommer 00164276.
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Introduction
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These terms and conditions become effective when you complete the registration process for the UCount Rewards programme and accept them.
You must read and understand everything in these terms and conditions.
You must comply with these terms and conditions as they are a binding agreement between you and us.
Singular refers to plural and the other way round.
Days refer to calendar days.
Important clauses, which may limit our responsibility or involve some risk for you, will be in bold. You must pay special attention to
these clauses.
2
Definitions
Card(s)
means all personal Standard Bank issued
Debit, Credit and Cheque Cards, excluding
Blue Bean Credit Cards, Diners Charge
Cards, Garage Cards and other Co-branded
Credit Cards.
Channel
means the various options available to you
and us to contact each other. These include,
but are not limited to, our Website, the UCount
Contact Centre, our branches, email, SMS,
MMS, telephone and post.
Collect/Collecting means the process where you can collect
Rewards Points when using your Cards.
Collection/
means the rate at which we calculate the
Collect Rate
Rewards Points that are credited to your
rewards account.
FICA
means the Financial Intelligence Centre
Act, 38 of 2001, as amended from time to
time and including subordinate legislation.
Good Standing
means all your accounts are up to date, not
in arrears, dormant, or overdrawn; your
account is FICA’d or is considered to be in
good standing for any other reason.
Group
means our affiliates, associates, subsidiaries
and divisions together with our holding
company and its affiliates, associates,
subsidiaries and divisions.
Participating
means the list of retailers from whom you
Rewards Retailers can Collect Rewards Points when shopping
at any of their stores and paying with your
Card, and from whom you can redeem
Rewards Points when using your UCount
Rewards Card.
Participating
means the list of retailers from whom you
Grocery Retailers can Collect Rewards Points on qualifying
grocery purchases when shopping at any of
their stores and paying with your Card.
Personal
means information about an identifiable,
Information
natural or juristic person, including but not
limited to, information about race, gender,
sex, marital status, nationality, ethnic or
social origin, colour, sexual orientation, age,
physical or mental health, religion, belief,
disability, language, birth, education, identity
number, telephone number, email, postal
or street address, biometric information
and financial, criminal or employment history
as well as correspondence sent by the
person that is implicitly or explicitly of a
private or confidential nature or any other
correspondence that would reveal the
contents of the original correspondence.
PIN
means the confidential personal identification
number used for operating your UCount
Rewards Card.
Primary Account means your main personal transactional
account with us.
Process
means any operation or activity, whether
automated or not, concerning Personal
Information, including: collection; receipt;
recording; organisation; collation; storage;
updating or modification; retrieval; alteration;
consultation; use; dissemination by means
of transmission, distribution or making
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available in any other form; merging,
linking, as well as blocking, degradation,
erasure or destruction of information.
Processing will have a similar meaning.
Pro-Rated Refund means the refund you receive for the unused
portion of your annual membership fee
when you cancel your membership of
the programme.
Redeem
means you exchange your Rewards Points
for various products and services offered by
the programme and at participating fuel
forecourts.
Rewards Points
means the points you Collect and Redeem
within the UCount Rewards programme.
Second Account
means the account that is created for your
spouse or family member.
Secondary Cards
means the additional plastic card that is
issued off your Primary Account.
Third-Party Vendor means a pre-approved external vendor,
Participating Rewards Retailer or Participating
Grocery Retailer that provides service to
us specifically for the programme.
Us/Our/We/
means The Standard Bank of South Africa
Standard Bank
Limited.
UCount Rewards
means the rewards programme offered to
you by us that rewards you for your banking
relationship with us.
UCount Rewards
means the prepaid debit card issued to you
Card
on joining the rewards programme and
used for redeeming Rewards Points at the
Participating Rewards Retailers, participating
fuel forecourts and Bidvest Premier Airport
lounges in South Africa.
UCount Rewards
means the rewards contact centre that can be
Contact Centre
reached on 0860 826 868
UCount Rewards
means an online facility where you can buy
Online Mall
various consumer goods and services such as
electronics, airtime and home appliances.
UCount Rewards
means an online facility where you can buy
Travel Mall
various travel-related products and services
such as flights, car rental and accommodation.
Website
means the Internet website with the address
www.standardbank.co.za/ucount
You/Your
means a Standard Bank customer who has
registered as a member of the UCount
programme.
3
3.1
3.2
Cooling-off period after registration
If you want to cancel your membership, you may do so at any
time by calling the UCount Rewards Contact Centre. If you receive
your welcome pack by:
Post - you will receive a full refund if you cancel your membership
within 21 days of registration. If you chose to pay your membership
fee annually and cancel after this period, you will receive a ProRated Refund, payable within 15 days of cancelling, into the
account from which your debit order was processed. If you have
chosen to pay your membership fee monthly and cancel after this
period, no refund will be paid.
Email - you will receive a full refund if you cancel your membership
within 7 days of registration. If you chose to pay your membership
fee annually and you cancel after this period, you will receive a
Pro-Rated Refund, payable within 15 days of cancelling, into the
account from which your debit order was processed. If you chose
to pay your membership fee monthly and cancel after this period,
The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06) An authorised financial services and registered credit provider (NCRCP15).
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no refund will be paid.
Fees
The UCount Rewards fee schedule is available through our Channels.
You will not be charged any fees when you pay for goods with
your UCount Rewards Card.
You will not receive any interest on Rewards Points in your rewards
account.
We will charge you a UCount Rewards Card reissue fee.
We will charge any applicable fees to your chosen account (for
your debit orders).
We may change the fees after giving you 20 business days’
notice.
Marketing Consent
Your voluntary participation in UCount Rewards will be taken
as you giving us permission to communicate UCount Rewards
updates, specials, discounts and your balance to you. Any
permissions granted by you are specific to your UCount Rewards
membership and are not affected by any other marketing
consent you may have given for any of our other products.
You may opt out of any UCount Rewards marketing at any time.
Expiry of Rewards Points
All Rewards Points Collected are valid for 5 years from the date
of issue. If you do not Redeem your Rewards Points before
this time, they will expire. We will tell you in advance what
portion of your Rewards Point balance will be expiring.
Accounts in arrears - if any of your accounts are not in Good
Standing and your Rewards Points expire during this time, you
will not be able to redeem your Rewards Points and they will be
lost.
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Membership cancellation
Voluntary membership cancellation - it is your responsibility to
Redeem your Rewards Points before cancelling your membership.
If you decide to cancel without Redeeming your Rewards Points,
all unredeemed Rewards Points will be lost.
Non-voluntary membership cancellation - if you chose the
monthly membership fee option and you do not pay it for two
months in a row or fail to pay your annual membership fee
two months after it is due, we will automatically cancel your
membership. We will send you notification of your non-payment
30 days and 60 days before cancelling your membership. If you
do not pay your outstanding membership fees, all unredeemed
Rewards Points will be lost.
Deceased estates - membership will be frozen on notification of
death of a member. The executor of the estate must give us
a certified copy of the member’s death certificate as well as an
official instruction as to which other member the Rewards Points
must be paid. If there is no nominated member, then the Rewards
Points will be lost. This must be done through the UCount Contact
Centre. If we do not receive an instruction within 24 months after
the first notification of death, all unredeemed Rewards Points will
be lost.
All cancellations will take effect immediately.
Collecting Rewards Points
There are four ways to Collect Rewards Points:
• using your Card to pay for your qualifying purchases.
• using your Card to pay for fuel only at participating fuel forecourts.
• using your Card to pay for qualifying grocery purchases at
Participating Grocery Retailers.
• using your Card to pay for qualifying purchases at Participating
Rewards Retailers.
Rewards Points will be calculated retrospectively and allocated
to your rewards account at the end of the month. The fixed cycle
runs from the 16th of the month until the 15th of the following
month.
We may change the Collection Rate, and give you 20 business
days’ notice through our Channels.
Accounts
An account that is registered in two or more names will count
towards your individual tiering calculation in keeping with the
tiering rules published on our Website.
Second accounts will not count towards your tiering calculation.
Qualifying purchases made on Secondary Cards will only accrue
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to the Primary Account holder at their Collection Rate.
Incorrect allocation of Rewards Points
We may reverse any incorrect Rewards Points allocated to your
rewards account by way of an account debit. If an incorrect
allocation is Redeemed before changes can be made, we may
recover the value of these Rewards Points.
Refunds
We will reverse any Rewards Points you Collected on any goods
and services that are refunded on your Cards.
If you do not have any Rewards Points in your rewards account for
us to reverse then your rewards account will go into a negative
balance and we will reverse the Rewards Points the following
month.
If your rewards account has been closed or if after a month we could
not recover the Rewards Points then we will recover the value of the
Rewards Points from the Standard Bank transactional account from
which the transaction was processed or any other account held with
us.
Returned goods bought from a Participating Rewards Retailer
on your UCount Rewards Card, will be refunded either as a voucher
or gift card, whichever is applicable to the respective Participating
Rewards Retailer.
All goods paid for with your Cards will follow our existing refund
process.
Statement discrepancies
If there are any errors on your monthly UCount Rewards account
statement, you must call the UCount Contact Centre within 60
days of the date of the statement, failing which, we will consider
it as correct and final.
You may ask us for a UCount Rewards account statement by
calling the UCount Contact Centre or checking your member
profile on our Website at any time.
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Re-registration
If you decide to re-register for UCount Rewards within 12 months of
cancelling your rewards account, you will be charged a rejoining
fee, which is published on our Website. Reregistration after 12
months will not incur any fees.
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14.1
Conditions for Collecting Rewards Points
Good Standing
If any of the products you hold with us are not in Good Standing,
you will not Collect any Rewards Points even if there are some that
are in Good Standing.
14.2
Payment of membership fee
If you do not pay your membership fee for 2 months, you will not be
able to Collect Rewards Points, whereafter your account will
automatically be subject to non-voluntary cancellation as above.
14.3
Fraudulent Collecting of Rewards Points
We may end your participation in the UCount Rewards should you
be proven to be Collecting Rewards Points fraudulently. All
Rewards Points fraudulently gained will be lost.
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15.1
Redeeming Rewards Points
Channels to Redeem your Rewards Points:
• UCount Rewards Contact Centre;
• UCount Rewards Online Mall;
• UCount Rewards Travel Mall; and
• UCount Rewards Card only at Participating Rewards Retailers,
participating fuel forecourts and Bidvest Premier Airport lounges.
You are responsible for making sure that the information you
give us to process redemptions is correct. We cannot be held
liable for losses as a result of incorrect information you have
given to us. We accept no liability whatsoever if you decide to
transfer or give your Rewards Points to another member.
You must present your UCount Rewards Card whenever you
want to Redeem your Rewards Points at a Participating
Rewards Retailer. Refer to the UCount Rewards Card section
below.
Payment at Participating Rewards Retailers can be made with a
combination of both your UCount Rewards Card and your Card.
For virtual redemptions, we will send the voucher number to the
cellphone number we have on record for you.
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Security measures
If you believe that the security measures we have put in place to
protect your rewards account have been compromised, you must
call our contact centre immediately to report it.
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Website
You will need to log onto our Website using your username and
password. When logging on for the first time, you will need to enter
your South African identity number or passport number in the
‘Username’ field. You will then be sent a One-Time Password and
then be asked to choose a username and password.
We are not liable for any losses incurred for you not ending a
session correctly or not protecting your log-in information.
This Website and the content on it may not be copied, reproduced,
republished, uploaded, posted, transmitted or distributed.
Unauthorised use of this site and/or the materials contained on
it may violate applicable copyright, trademark or other intellectual
property laws or other laws.
You must use and update hardware and software (computer
equipment and programs) suitable for our Website. If you do not,
the Website may not work properly, which could increase your
security risks.
We do not warrant that any file, download or application
available on the communication system is safe to use on any
computer. We cannot guarantee that it contains no software or
data that could negatively affect a computer system, such as
viruses, trojans and other malicious software.
We may change, suspend or close the Website temporarily or
permanently without notice. We may also limit certain services,
features or functions, and restrict access to all or parts of any
service on the Website.
Your use of this Website is dependent on factors beyond our
control, such as the network coverage or availability of your
Internet service provider. We are not liable for any loss or
damages you may suffer if a factor beyond our control arises
and you cannot access this Website.
Contact Centre
You will only be given information on your Rewards Account or be
allowed to Redeem Rewards Points if you answer the security
questions correctly.
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UCount Rewards Card
Use your UCount Rewards Card to Redeem Rewards Points at
Participating Rewards Retailers, participating fuel forecourts
and Bidvest Premier Airport lounges in South Africa.
Track your transactions by logging onto your UCount Rewards
profile.
You must activate your UCount Rewards Card on the Website
or by calling the UCount Rewards Contact Centre
Your UCount Rewards Card will have an expiry date printed on
the front of it and is valid until the last day of the month shown,
unless your UCount Rewards Card has been closed earlier by
us.
Sign your UCount Rewards Card in ink, in the space provided on
the back, as soon as you receive it. Your UCount Rewards Card
is not valid unless it is signed by you.
Your UCount Rewards Card can be used only at Participating
Rewards Retailers, participating fuel forecourts in the Republic of
South Africa who accept the card. You cannot use your UCount
Rewards Card for any other purpose.
You must create a PIN for your UCount Rewards Card by calling
the UCount Rewards Contact Centre or on the Website.
We will always be the owner of the UCount Rewards Card.
You are responsible for the safety of your UCount Rewards Card
and PIN. We will not be liable If your UCount Rewards Card is
damaged, lost or copied.
22.4
Redeeming Rewards Points using your UCount Rewards Card
When you use your UCount Rewards Card to pay for goods or
services you must enter your PIN into the point-of-sale terminal.
You have three attempts to use your PIN, thereafter your Card
will be blocked, and you will to need call the UCount Rewards
Contact Centre to get at new PIN sent to your registered cellphone
number.
When you use your UCount Rewards Card to Redeem, we will
process the transaction against your available rewards account
balance. You will only be able to spend Rewards Points up to the
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value in your rewards account.
You authorise us to deduct the full amount of each purchase
from your Rewards account whenever your UCount Rewards
Card is used to pay for a purchase.
All transactions will need to be authorised by us against Rewards
Points in your Rewards account.
We are not responsible for any loss arising from any failure,
malfunction of electronic facilities or delay in point-of-sale
device or our supporting or shared networks, where applicable,
resulting from circumstances beyond our reasonable control.
No warranties, purchase protection, insurance, other promises
or services are given by us.
Once you have paid for a purchase, you cannot stop payment of
the transaction.
You are responsible for keeping track of your transactions to ensure
that you do not exceed your Rewards account balance.
You can only use R20 000 worth of Rewards Points a day on
your UCount Rewards Card.
Closing your UCount Rewards Card
Your UCount Rewards Card will be closed when it expires. We will
automatically reissue you a new UCount Rewards Card, if your
accounts are in Good Standing.
Destroy your UCount Rewards Card as soon as it expires.
If your UCount Rewards Card is lost, stolen or damaged you can
order a new UCount Rewards Card through the Website or the
UCount Rewards Contact Centre.
We may close your UCount Rewards Card at any time, if necessary,
to protect our interests.
Lost or stolen UCount Rewards Cards
You must keep your UCount Rewards Card and PIN safe. If you
lose your UCount Rewards Card or if it is stolen and used by
someone else, any Rewards Points Redeemed will be lost.
You must let us know if your UCount Rewards Card is lost or
stolen or your PIN has become known to any other person. We
will stop the UCount Rewards Card as soon as reasonably
possible after being informed. You can change your PIN on the
Website or by calling the Rewards Contact Centre if you feel it
has been compromised.
Call 0860 826 868 immediately to “stop” your Card if you lose
it or it is stolen.
You will be responsible for all payments made with your
UCount Rewards Card before it is closed.
Privacy note
We may and you expressly consent to us collecting and processing
your Personal Information to:
open, administer and operate your UCount Rewards account;
monitor and analyse the conduct on your UCount Rewards account
for credit, fraud, compliance and other risk-related purposes;
carry out statistical and other analysis to identify potential markets
and trends, and
develop new products and services.
You expressly consent that we may:
Process and further Process your Personal Information within
the Group for the above purposes;
give your Personal Information to any person who provides
services to us or acts as our agent or to whom we have
transferred or propose to transfer any of our rights and duties
in respect of your UCount Rewards account. Some of these
persons may be located in countries outside of the Republic of
South Africa, and
share your personal information with our service providers,
locally and outside South Africa, as necessary. We ask persons
who provide services to us to agree to our privacy policies if they
need access to any Personal Information to carry out their
services.
You acknowledge that:
We will at all times remain responsible for determining the
purpose of and means for Processing your Personal Information;
We are required by various laws, including FICA, to collect some
of your Personal Information;
Without your Personal Information we may be unable to continue
offering services to you;
You are giving us your Personal Information voluntarily.
We may make changes to information, graphics, features,
functionality or services or links at any time without notice.
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23.6
23.7
You may not change any of these terms.
Your telephone conversations with our UCount Contact Centre,
will be recorded and stored for record-keeping purposes for five
(5) years from the date of the transaction and/or call to our
UCount Contact Centre.
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27.5
Disclaimers and exclusions of liability
You expressly agree that use of the Internet is entirely at
your own risk.
We do not warrant that the functions provided by the Website
will be uninterrupted or error free, or that the Website or the
server that makes it available is free from viruses or other
harmful components. Note: We highly recommend that you use
industry-endorsed anti-virus, anti-spam and anti-phishing
software to make your online experience less disruptive.
Indemnity
To the maximum extent allowed by law, you hold us harmless
against any loss or damage suffered by us as a result of our
reliance on any warranty, representation or information given
by you in relation to these terms and conditions.
Intellectual property rights
We keep all intellectual property rights in all content published
on or via our Website, including but not limited to all proprietary
information, trademarks and copyright in any logos and other
graphics and multimedia. You may view content and download
one copy of it onto a computer or other device or storage media,
and you may print and make paper copies of it, but only if:
• it is for using or deciding about the UCount Rewards Online or
Travel Malls’ goods and services;
• it is not used for any commercial purposes; and
• any copy of the content or portion of it from any part of our
Website shows our copyright notice.
The logos and trademarks on our Website are our registered and
unregistered trademarks or those of other parties. Nothing on our
website is a licence (permission) or right to use any trademark or
any other intellectual property for any other purpose.
You may not, without our prior written permission, use our
intellectual property or that of a third party.
Even if any content on our Website is not confidential or there is
no copyright in it, we own all of it and you have no rights in it.
General
We may at any time change these terms after sending you
reasonable notice in writing.
We will assume that you have received any notice we send you
within seven (7) days of posting, or on the same day if delivered by
hand or sent by fax or email.
We will comply with all applicable laws that govern the environment
in which we operate. These include but are not limited to the
Consumer Protection Act 68 of 2008, Electronic
Communications and Transactions Act 25 of 2002 and
the Code of Banking Practice, as amended from time to time.
From time to time, UCount Rewards may require Third-Party
Vendor participation. In such instances, the Third-Party Vendor’s
terms will apply. It is your responsibility to make sure that
you understand all external suppliers’ and Participating
Rewards Retailers’ terms.
Our Website may contain hyperlinks to external websites. By
making the hyperlinks available, we are not in any way endorsing
the products and/or service, terms, their website and its content.
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27.11
27.12
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You agree that we may sue you in the Magistrate’s Court, even
if our claim against you exceeds the jurisdiction of the Magistrate’s
Court.
A favour or concession we may give you will not affect any of our
rights against you.
You must pay all our expenses for recovering any amounts you
owe us, including legal fees of an attorney at own client scale,
collection fees and tracing fees.
A certificate signed by any of our managers (whose appointment
need not be proved) showing the amount you owe us is sufficient
proof of the facts stated on the certificate unless the contrary is
proved.
These terms are governed by South African law, despite any
other country’s laws.
If we close or suspend access to your rewards account for any
reason, we will not be responsible for any loss resulting from
any act or omission by us or any third party. This includes claims
arising in contract, delict or statute for direct, indirect,
consequential or special damages, including loss of profit.
We are not responsible for any loss, service interruption or
delay resulting from circumstances beyond our reasonable
control, such as power cuts or a failure, malfunction or delay in
an electronic data terminal, ATM, network or other system.
Participating Rewards Retailer’s Collection Rates and rules are
at the Participating Rewards Retailers’ business discretion and
may change on reasonable notice to you.
You are responsible for any tax implications on any Rewards
Points Collected or Redeemed. You must get professional
advice about any tax implications from your participation in
UCount Rewards.
Complaints and query resolution
If you want to complain or have a query, you can either call the
UCount Rewards Contact Centre or send an email to
enquiries@ucount.co.za or fax 021 700 8758.
The contact centre’s operating hours are:
Monday to Friday:
8am to 5pm
Saturday:
8am to 12pm
Sunday and public holidays:
Closed
We are a member of the Banking Association of South Africa,
which has appointed an independent Ombudsman for Banking
Services (“Ombud”) to deal with complaints. If we do not solve
your problem or you are not happy with the way that your problem
was solved, then you may use the services of the Ombud who can
be contacted in one of the following ways:
Telephone:
0860 800 900 or 011 838 0035;
Fax:
011 838 0043;
Email:
info@obssa.co.za; or
Website:
www.obssa.co.za.
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Address for legal notices
Your physical (street) address on your registration form is your
chosen address for receiving any legal notices and documents.
You must let us know immediately if your address changes.
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