1. Introduction and additional Terms
| 1.1 | These terms apply to you individually and to your use of the Service. |
| 1.2 | These Terms must be read together with the SBG Mobile App terms, the Digital Banking terms and the website terms. |
| 1.3 | You accept these Terms by using the Service. The Terms become effective when you make use of the Service and we may change them from time to time. The latest version of the Terms applies to you each time you use the Service. |
| 1.4 | You must carefully read and fully understand these Terms as they impose legally binding obligations on you and contain exclusions and limitations of our liability that affect you. You assume all risks associated with your use of the Service. |
| 1.5 | Important clauses that may limit our responsibility or involve some risk for you will be in bold and italics or highlighted and you must pay special attention to them. |
2. Definitions
We have defined some words for consistency. These words will begin with a capital letters. Singular words include the plural and the other way around.
| Word | Meaning |
| Access Codes | Any of your secret numbers used to access our banking facilities, including your personal identification number (PIN) or one-time password (OTP), card numbers, other passwords, user names or email addresses. |
| Account | An active current or savings account held with Standard Bank that can be used to pay for the Service. |
| ATM | An automated teller machine. |
| Business Day(s) | Days of the week, excluding weekends and official public holidays in South Africa. |
| Department of Transport | The Department of Transport of South Africa. |
| Device | The device you use to access Mobile App Banking or Digital Banking, for example a cell phone, smartphone, tablet, telephone or smart television or an ATM or any similar technology. |
| Digital Banking | Banking you do on a Device. |
| eNaTIS | The Electronic National Administration Traffic Information System. |
| Enforcement Order | An enforcement order issued against you under the Administrative Adjudication of Road Traffic Offences Act 46 of 1998 (AARTO) if you fail to comply with an infringement notice. |
| Foreign National | A natural person who has taken up temporary residence in South Africa in terms of a valid permit. |
| Group | Standard Bank Group Limited, its subsidiaries and their subsidiaries. |
| ISP | An internet service provider, which is an entity that provides access to the internet. |
| Licensing Department | Any of the local licensing departments in the Republic of South Africa as designated from time to time by the Department of Transport or any other entity that is mandated by the Department of Transport in terms of a relevant agreement to provide licensing services. |
| Mobile App Banking | Banking with us by means of the SBG Mobile App that you have downloaded onto your Device. |
| Motor Vehicle | A light motor vehicle, other than a motorcycle or a motor tricycle, principally for the conveyance of no more than 16 persons, the tare of which does not exceed 3 500 kilograms. |
| Password | Any of the secret characters (letters, numbers and symbols) you use to access the SBG Mobile App or your Digital Banking Profile. |
| Personal Information | Information about an identifiable, natural person and, where applicable, a juristic person, including information about: race; gender; sex; pregnancy; marital status; nationality; ethnic or social origin; colour; sexual orientation; age; physical or mental health; well-being; disability; religion; conscience; belief; culture; language; birth; education; medical, financial, criminal or employment history; any identifying number, symbol, email, postal or physical address, telephone number; location; any online identifier or any other particular assignment to the person; bio-metric information; personal opinions, views or preferences of the person or the views or opinions of another individual about the person; correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; and the name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person. |
| Processing | Any operation or activity, automated or not, related to Personal Information, including: alteration, blocking, collation, collection, consultation, degradation, destruction, dissemination by means of transmission, distribution or making available in any other form, erasure, linking, merging, organisation, receipt, recording, retrieval, storage, updating, modification or use. Process and Processed will have a similar meaning. |
| Account | An active current or savings account held with Standard Bank that can be used to pay for the Service. |
| Profile | The profile we give you to identify you when you sign up for Digital Banking or Mobile App Banking. |
| Resident | A resident of South Africa who holds a valid green bar-coded South African identity document or a smart identity card. |
| SBG Mobile App | The Standard Bank Group Mobile Application. |
| Service | The Motor Vehicle licence renewal facility, provided by us, that is linked to eNaTIS to allow you to renew a Motor Vehicle licence disc. |
| SMS | Short message service. |
| Traffic Register Number | The identification number accepted for Foreign Nationals by a Licensing Department for road traffic transactions on eNaTIS. |
| we, us, our | The Standard Bank of South Africa Limited (Registration number 1962/000738/06) and its successors or assigns; the Standard Bank Group. |
| you or your | Referring or relating to the person using the Service, which can be the owner or a third party. |
3. Links to other information
We have included links in these Terms to other information that may apply to you. To view the links you will need to copy the entire web address (starting with “http://” or “https://” and ending with “.html” or “.co.za”) and paste it into your browser. You must read all the linked information that applies to you, because it forms part of the Terms. If you cannot read any of this information, you must visit our website at www.standardbank.co.za or call us through the Customer Support Centre at 0860 123 000
4. Eligibility for service
| 4.1 | You must be a Standard Bank client and you must have a Transactional Account with us. |
| 4.2 | You must supply us with all the documents and information required in terms of FICA. |
| 4.3 | You must have enough funds in your Account to cover: |
| 4.3.1 | the licence renewal fee that is due to the Licensing Department; |
| 4.3.2 | the fee we charge for providing the Service to you; and |
| 4.3.3 | the courier fee for delivering the licence disc to you. |
| 4.4 | You must be: |
| 4.4.1 | a permanent Resident; or |
| 4.4.2 | a Foreign National who has been issued with a Traffic Register Number |
| 4.5 | The Motor Vehicle((s)) must be registered in any of the nine provinces of South Africa. |
| 4.6 | You may request the Service from 30 days before the date of expiry of the licence disc but not later than 15 days after expiry of the licence disc. |
5. Using the service
| 5.1 | You must provide us with the Motor Vehicle registration number. The dashboard on the Mobile App will show what Motor Vehicle is attached to that registration number. |
| 5.2 | You must provide your delivery address details and the name of the person authorised to take delivery of the licence disc for the courier service. Please check that the delivery address details are correct. The courier service provider will not perform any authentication or validations on the nominated person taking delivery of the licence disc, but will record the name and surname or the company name and take the signature provided by that person on delivery. |
| 5.3 | We are not responsible for any loss you may suffer if you enter incorrect delivery address details and your licence disc is delivered to an incorrect address or any unauthorised person who claims to be the authorised person accepts delivery of your new licence disc at your chosen delivery address. |
| 5.4 | You must also provide your contact details and upload a copy of your identity document or Traffic Register Number and proof of residence. Your proof of residence cannot be older than three months. |
| 5.5 | If your proof of address is older than three months or if the document you upload as proof of identity fails validation, we will notify you by SMS or email to rectify the application. If you fail to rectify the application, we will automatically reverse all fees paid into the Account as per clause 6 below within two Business Days after the notification to rectify. |
| 5.6 | You will be prompted to pay the total quoted amount from one of your transactional accounts and you will receive a confirmation of successful payment. |
| 5.7 | Our courier service provider will deliver the licence disc to you within 7 to 10 Business Days, i.e. not on weekends or public holidays. If you are not available to accept delivery at your chosen address, you may arrange for someone else to be at the delivery address to accept delivery on your behalf. If the courier arrives at your delivery address and there is no one to take delivery, the courier service provider will contact you to arrange an alternative delivery time. |
| 5.8 | You must ensure that the Motor Vehicle licence discs are up to date. If you do not do so, the Licensing Department will accept your payment for the licence disc renewal you are requesting through our Service, but will not provide you with the new licence disc until all outstanding renewals in respect of any other motor vehicle (s) registered in the name of the owner have been done. This must be done within 21 Business Days from the licence expiry date if you want to avoid any further penalties for late renewal. |
| 5.9 | The registered owner of the Motor Vehicle must comply with all infringement notices, apply for the revocation of any Enforcement Orders and/or clear any warrants of execution before requesting this Service. If this is not done, the Licensing Department will accept your payment for the current Motor Vehicle licence renewal but will not provide you with the new licence disc until the outstanding warrants have been cleared or you have complied with all Enforcement Orders. We are not responsible for any loss or damage you or the registered owner of the Motor Vehicle may suffer if you do not receive the new licence disc because of outstanding motor vehicle licence disc renewals or warrants that have not being cleared or Enforcement Orders that have not been complied with or revoked. |
| 5.10 | You may use the Service through your Profile on the SBG Mobile App two times a day but no more than five times a month. |
6. Fees
| 6.1 | We will charge you a fee, which is made up of the Licensing Department licence disc renewal fee, the Standard Bank Service fee and the courier fee. All fees must be paid from your Account. |
| 6.2 | The licence disc renewal fee charged by the Licensing Department will vary depending on the Province in which the Motor Vehicle is registered as well as the Motor Vehicle’s tare weight and type and is determined by the Department of Transport. |
| 6.3 | The Standard Bank fee for the Service provided may change from time to time. |
7. Instructions
| 7.1 | When you use the Service, you understand that you communicate with us using a Device, so there is no direct personal contact between you and us. |
| 7.2 | We will act on all instructions that appear to come from you, even if they are actually coming from someone pretending to be you or someone else using their profile and password to assist you. We will assume that any activity or instruction that we receive from you while you are using the Service is genuine. Even if someone else used your Profile or Password to use the Service, we will carry out the instruction as if you have authorised it. |
8. Security for the service
| 8.1 | We are not responsible for any loss or damage you may suffer because someone uses your Password or your Device to use the Service. We advise you to password-protect your Device against any fraudsters/hackers impersonating you. |
| 8.2 | We will never ask you by email or SMS or through other digital messaging to access a link. You must never respond to requests through an email (phishing), SMS (smishing), telephone call (vishing) or other digital message to enter or “confirm” your Access Codes or transfer money. There are also other types of fraud, such as SIM card swops (where a fraudster accesses your SIM card information and intercepts messages we send to your cell phone number). You must be careful at all times. |
9. Using and sharing your personal information
| 9.1 | You give consent for us to collect your Personal Information from you and, where lawful and reasonable, from public sources for credit, fraud prevention and compliance purposes, as well as the purposes set out below. |
| 9.2 | You confirm that, if you give us Personal Information about or on behalf of other persons (including account signatories, shareholders, principal executive officers, trustees and beneficiaries), you are authorised to: (a) give us the Personal Information; (b) consent on their behalf to the Processing of their Personal Information, specifically any cross-border transfer of Personal Information to and from the country where the products or services are provided; and (c) receive any privacy notices on their behalf. |
| 9.3 | WYou give consent for us to Process your Personal Information: |
| 9.3.1 | for the purpose of providing products and services to you in terms of this agreement and any other products and services for which you may apply. |
| 9.3.2 | for the purpose of carrying out statistical and other analyses to identify potential markets and trends, evaluate and improve our business (this includes improving existing products and services and developing new ones). |
| 9.3.3 | tin countries outside the country where the products or services are provided. (These countries may not have the same data protection laws as the country where the products or services are provided. Where we can, we will ask the receiving party to agree to our privacy policies). |
| 9.3.4 | by sharing your Personal Information with our third-party service providers, locally and outside the country where the products or services are provided. (We ask people who provide services to us to agree to our privacy policies if they need access to any Personal Information to carry out their services). |
| 9.3.5 | within the Group. |
10. Risk and indemnity
| 10.1 | You acknowledge that we do not provide you with a renewal licence ourselves, but only help you obtain it from the Licensing Department. |
| 10.2 | We are not responsible for any loss you may suffer or any damage caused as a result of your use of the Service, whether or not the loss or damage was due to factors within our control. |
| 10.3 | We are not responsible for any loss or damage caused by any failure, delay, industrial action or other problem beyond our control that affects the delivery of goods (such as the licence disc) or services provided by the courier service provider or any other third party such as the South African Post Office or any local or other authority. |
| 10.4 | We are not responsible for any claims or losses suffered by the registered owner of the Motor Vehicle if they use a third party to help them use the Service. |
| 10.5 | You indemnify us against any and all claims or losses we or any third party may suffer as a direct or indirect result of your use of the Service. |
11. Warranties (promises) made by you
You confirm that:
| 11.1 | you have full contractual capacity and no court has declared you mentally unfit; |
| 11.1 | you have given us the correct information; |
| 11.2 | We are not responsible for any loss you may suffer or any damage caused as a result of your use of the Service, whether or not the loss or damage was due to factors within our control. |
| 11.3 | you are duly authorised and have obtained all necessary written consents from any third party that you are assisting to use the Service in respect of their Motor Vehicle(s); |
| 11.4 | you have read and understood these Terms before making use of the Service and entering into this agreement. |
12. Announcements about changes or updates to these terms
| 12.1 | We may make announcements to you about changes or updates to these Terms. We may do this through the SBG Mobile App or our website or by sending you an email or SMS or using other communication technology. |
| 12.2 | If an announcement about the Terms has contractual (legally binding) terms relating to the Service, these new or updated terms will be regarded as being included in these (original) Terms. By continuing to use the Service, you agree to these updated changes. |
13. How disagreements or differences will be resolved
| 13.1 | If you have a complaint about your use of the Service or these Terms, please follow our complaints process, which is available at: https://www.standardbank.co.za/secure/CRC/Ombudsman.html. |
| 13.2 | If you are not happy with the way the complaint is settled once you have followed this process, you may send the complaint to the Ombudsman for Banking Services (Ombudsman) or a similar forum. |
| 13.3 | The contact details for the Ombudsman are in clause 10 of the Code of Banking Practice. This is available in our branches or online at http://www.standardbank.co.za/site/Code_Banking/COBP%20Final_2012_2.html. |
| 13.4 | We have also included the Ombudsman’s contact details at the end of this document. |
| 13.5 | You may approach any South African court of law that has jurisdiction (authority in this area). |
14. Where legal documents and notices will be sent
| 14.1 | We choose the registered address on our website at www.standardbank.co.za as the address where any legal document or notice must be served or delivered to us (our domicilium citandi et executandi). |
| 14.2 | We will send any legal documents or notices to you at the address we have for you on our records. |
| 14.3 | We may send other written communication or notices to your street, postal or email address. |
| 14.4 | Any legal document or notice to be served in legal proceedings must be written on paper. The relevant provisions of the Electronic Communications and Transactions Act 25 of 2002 (for example sections 11 and 12) do not apply to these documents or notices. |
| 14.5 | You may also approach any South African court of law that has jurisdiction (authority in this area). |
15. Law governing our relationship
South African law will govern these Terms.
16. General provisions
| 16.1 | Headings in these Terms are for information only and may not be used to interpret these Terms. |
| 16.2 | South African time applies when any dates or times are calculated. |
| 16.3 | If any dispute results from technical issues related to the Service, a court or an arbitrator will interpret these Terms practically, without focusing too much on technical issues. |
| 16.4 | No extension of time or other indulgence we may allow you will affect any of our rights, whether such extension or indulgence is express or implied. We do not waive (give up) any of our rights. |
| 16.5 | If any clause in these Terms is invalid or illegal or cannot be enforced, the other clauses will still be valid. |
| 16.6 | You are responsible for making sure that you never use the Service for any illegal purpose. You will be legally responsible for any illegal transactions that you make. |
17. Support Contact Information
| 17.1 | If you have any questions about the Service or do not understand anything about these Terms, please contact us through the Client Support Centre or email our vehicle licence disc renewal team at [email protected]. |
| 17.2 | We will try to resolve queries as quickly as possible, but this may be subject to delays beyond our control because we are reliant on third parties. |
| 17.3 | For all enquiries relating to licence disc renewals and new licence discs, please contact your nearest Licensing Department directly. |
| 17.4 | If you have a problem and we do not solve it, or if you are not happy with the way that it was solved, you may contact the Ombudsman for Banking Services as follows: |
| 17.4.1 | By telephone on 00860 800 900 or +27 11 838 0035 |
| 17.4.2 | By email at [email protected]; or |
| 17.4.3 | Through our website at http://www.obssa.co.za. |