Conditions of Access


Thank you for visiting our iStore Card website. iStore Card is supported by Standard Bank. Before you go any further you must read and understand the conditions of using our website.

These terms and conditions form an agreement between you and us
You agree to use our website and services on these terms and conditions.


You may not use any of the investment services available on our website if you are not a resident of South Africa, especially if you are in the United States of America, the United Kingdom, Australia or Hong Kong. However, we may give you permission to use any services on our website if we believe it would be legal under the laws of the country you live in (where you are resident) or that you regard as home (where you are domiciled).


If you have a iStore Card, these terms and conditions apply to any transaction that you ask us to carry out with your card.


If you use a particular iStore Card service, you must also follow any guidelines or rules on our website that applies to that service. These general terms and conditions apply if there is any difference between them and the particular guidelines or rules for a service.

Nothing else on our website is part of these terms and conditions or an agreement between you and us.


You accept these terms and conditions
These terms and conditions hold you responsible when you visit our website or use our services. By visiting our website or using our services you confirm that you have read, understood and agreed to these terms and conditions. You also promise and warrant that you will follow all laws and regulations that apply. If you do not agree to these terms and conditions you may not continue to use our website or any of our services.


Changes to these terms and conditions
We may change these terms and conditions at any time. The latest version of the terms and conditions on our website applies to any visit to our website. You agree to read the latest version each time you visit our website.


A letter signed by our website administrator is good enough proof of the date and content of any version of these terms and conditions published on our website.


Your dealings with online suppliers
Any dealings with our online suppliers (including any advertisers you find on our website) are between you and that supplier only. These dealings may include any email, letter, agreement, involvement in promotions, payment or delivery of goods or services, and any term, condition, warranty or statement about these dealings.


We are not responsible for any loss or damage you suffer because of anyone advertising on our website, or because you have any dealings with any online supplier. Extra terms and conditions may apply to you when you use someone else’s products, services, content or software.


Information available on our website
We may use other organisations to provide information on our website. We have no control over this information and do not claim or warrant that it is accurate, appropriate or correct. This information is provided 'as is'. We and our online suppliers are not directly or indirectly responsible for any loss or damages that may follow if you rely on it.


Linked websites and content
Our website will link to other websites with information and content produced by others, including our online suppliers. Although we try to only link to trustworthy websites and suppliers, we are not responsible for any information on other websites. If we link from our website to any other website, person or supplier, this does not mean that we have checked or approve of them.


A person must get our permission to link to our website 
Nobody may create any kind of link or reference to our website without first getting our written permission. We may grant permission on certain conditions. Links that need our permission include hyperlinks (automatic links in text), deep links (that bypass our website’s home page), frames, crawlers, metatags or similar references, whether they are electronic or not.


Please send any request for linking to [email protected] . We will try to answer as soon as possible. If we do not respond in writing within five business days, we have not agreed to your request.


If you breach (break) any of these terms or conditions, we may take immediate legal action without telling you. You agree to repay us our costs for this legal action on the highest scale of attorney and own client.


Our intellectual property
We keep all rights to any copyright or other intellectual property in all content published on or through our website. This includes software, logos and other graphics and multimedia works. You may view content and copy 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 any of our services or cards;
  • • it is not used for any commercial purposes; and
  • • any copy of content from any part of our website includes this copyright notice.

Our website and services, and information, advertisements or software used with them, contain information that is confidential or belongs to us, our online suppliers or other associates. Intellectual property and other laws protect this information.

You may not:

  • • use any part of our website or any related content, service, advertisement or software for any commercial or other similar purpose, or
  • • change or base new works on our website or any related content, service, advertisement or software, without written permission.


The logos and trademarks on our website are our registered or unregistered trade marks, or those of other parties. Nothing on our website is a licence (permission) to use any trade mark for any other purpose without first getting our written permission or that of any other person that has rights to it.


You must send any request to use any content from our website to [email protected] . We will try to answer as soon as possible. If we do not respond in writing within five business days we have not agreed to your request.


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.


You must use suitable hardware and software
You must use suitable hardware and software ( computer equipment and programs) to visit our website, including the latest version of your internet browser. If you do not, our website or linked sites may not work properly, or you could increase your online security risks.


If we offer software to you on or through our website, any licence agreement is between you and the software’s licensor (usually the owner).

You indemnify (protect) us against any breach of a software licence. We do not expressly or implicitly claim or warrant that any software is good quality or suitable for its purpose.


We also do not warrant or imply that any file, download or application available through our or any other website (including our online suppliers’ or advertisers’ websites) is safe to use on any computer or other device. We cannot guarantee that any website does not contain software or data that can negatively affect a computer system, such as viruses, trojans or other malicious or faulty software.


Transmission of information online has risks
Information sent over the internet can be intercepted, seen or changed if any link is not secure. We take steps to limit these risks, as explained in our privacy and security statement .


We are not responsible for any loss or damage you suffer because of illegal acts of any person as we cannot always prevent these. To limit these risks, we may check any information that you send using our website.


Indemnity (your promise to protect us)
You indemnify us (including our owners, employees, consultants, agents and any affiliated person) against any loss or expense we may incur on your behalf because:


  • you did not pay us any amount you owed us ;
  • you did not have enough money for a payment from your bank account;
  • someone carried out an instruction or made a payment without permission and this was not because of our own negligence (carelessness ); or
  • you breached (broke) any of these terms and conditions or did something wrong.


Our website or services may not always be available

Our website or services may not always be available because of various circumstances, including:

  • • any technical failure or problem with our or any other website, or any communication system or support service for a website or related service;
  • • any failure or other problem with any telecommunication or electricity service; or
  • • any other circumstances beyond our control.


If our website or a service is unavailable for any reason, you promise to limit your potential losses as far as possible by communicating with us or our online suppliers in any other way you can while this situation lasts.


We do not make any claims or give any warranties about our website
We do not warrant that our website, services, or any related information will be accurate, complete, reliable, of good quality, or that it will not contain any mistakes.


We also do not give any implied warranty, for example about merchantability (suitability for sale), title (ownership), and suitability for any particular purpose, compatibility or security.


We do not make any claim or give any warranty about any advertiser or online supplier, their services, the content of their websites or any links. We are not responsible if any content of any of these websites or services is inaccurate, illegal or not satisfactory for any other reason.


Disclaimer and limitation of our liability
We have tried to make sure that the content on our website is accurate and that you suffer no loss or damage as a result of using it, but the website and any services are provided 'as is'.


You use our website and service entirely at your own risk. You are fully responsible for the risk of any loss resulting from you using or not being able to use our website, service or related information, or that of any of our online suppliers. This includes, without limit, any direct, indirect, special, incidental, consequential or punitive loss or damages in terms of any contract, delict (breach of a legal duty) or law, and even if we were told that the loss or damage was possible.

For example, we are not responsible for any loss because of:


  • • anything affecting communications or your personal settings, such as their late delivery, non-delivery, non-storage or deletion;
  • • wrong product information or prices on our online suppliers' or advertisers' websites;
  • • unsuitable or faulty products or services available on or through our online suppliers' or advertisers' websites;
  • • any problem (including interruption, malfunction, downtime or other failure) that affects any part of our website, service, systems or databases, or those of our online suppliers;
  • • any content of an online supplier’s or other website or service;
  • • any content, behaviour or remarks by any other person or on any other party’s chatroom or other messaging service;
  • • any order, buying or disposing of goods or services from any other party based on information from our website;
  • • any loss, change or damage to any personal information or other data, directly or indirectly because of technical problems, power failures, unlawful acts (such as data interception or theft), any harmful computer program or virus, or our own negligence (carelessness);
  • the cost of substitute goods and services resulting from any goods, data, information or services purchased or obtained, or messages received or transactions entered into through or from the service;
  • any failure or problem affects goods or services provided by any other party, for example a telecommunication service provider (such as Telkom), an internet service provider, an electricity suppliers (such as Eskom), or a local or other authority;
  • anything else affecting our website or service that we have no direct control over.


Our owners, employees, consultants, agents and affiliates are also not responsible for any loss or damages you suffer in any of these circumstances.


What happens if you breach (break) this agreement
We may end our agreement with you if you breach any material (significant) term or condition and do not fix it within five days after we have asked you to. We may still take any other steps available to us, including applying to court for an interdict against you.


How disputes will be resolved 
Any dispute (disagreement) about your use of our website or service, or these terms and conditions, must be decided by arbitration, unless either party applies to court for an interdict or other urgent legal remedy .


The arbitration will be held at the offices of the Arbitration Foundation of Southern Africa (AFSA) in Sandton, South Africa, under its rules and South African law. AFSA may appoint any arbitrator.


Any party may have the award made an order of court. The parties will keep the evidence and any award in the arbitration proceedings confidential.


Any standard dispute resolution procedure in an online supplier’s own terms of business will apply to a dispute between you and that online supplier. If a supplier does not have a standard dispute resolution procedure, the dispute will be resolved by arbitration, as explained above.


Your capacity to enter into agreements
You warrant to us and our online suppliers that you have the legal capacity (are legally able) to agree to these terms and conditions. If you are younger than 18 you may not use our services and your legal guardian (usually a parent) must help you when you read these terms and conditions.


Our address for notices and service of legal process
We choose the following address for the service (delivery) of any legal documents:
9th Floor
No. 5 Simmonds Street


The law which governs your relationship with us
South Africa law applies to these terms and conditions despite any other country’s law.


General provisions
Headings in these terms and conditions are only for information. Do not consider them when you interpret the terms and conditions.


Greenwich Mean Time (GMT) plus two hours applies to working out any time or date in terms of these terms and conditions.


Any favour we may allow you will not affect any of our rights against you, whether the favour is expressed (said) or implied (not said). We do not waive (give up) any of our rights.


If any term or condition is invalid or illegal, the remaining terms and conditions will still be valid.


Contacting us
If you have any questions please call our customer contact centre on 0860 000 260.

iStore Card is supported by Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). An authorised financial services and registered credit provider (NCRCP15) 
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