Terms and Conditions 

Disclaimer

Although the author and publisher have made every effort to ensure that the information in the book, Collective Nouns for Africa, was correct at press time, the author and publisher do not assume and hereby disclaim any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident or any other cause.

Honest efforts have been made to provide comprehensive information, but the author and publisher do not represent or endorse the accuracy of reliability of any information assessed from any source.

Creative Commons image reference information relating to photograph names, image titles, internet links and license details are available on our website.  Much of the information and images are copyrighted to their various owners.

All rights reserved.  The Collective Nouns for Africa book or any portion thereof may not be reproduced or used in any manner whatsoever without the express written permission of the author or publisher.

Copyright 2019 – African Mongoosie (Pty Ltd

Orders

The website allows a person (“user”) to place electronic orders (“order”) for one or more products on offer as long as such products are available and not sold out.

A purchasing contract (“sale”) between the user and Collective Nouns for Africa shall be complete only once a user has placed an order and the payment has been processed fully, meaning Collective Nouns for Africa has received and accepted the payment.

Payment

If payment fails due to the account not existing, insufficient funds, the credit card number or other information being incorrect, the purchase will not be successful.  The above is dependent on the product being available.

If you have any issues with payment, please contact us at info@collectivenouns.africa.

Reservation

Products cannot be reserved by a user to be bought at a later time.  Placing an item in your cart without processing the payment for the order will not lead to a successful order being placed nor the reservation of (an) item(s).

If an item is listed as “on hold”, this means that a user currently has the last of these items in their Collective Nouns for Africa shopping cart.  If their cart expires without payment being made, this item will be released back onto the website for sale.

Availability

Please note that the stock of all items on offer is limited.  Collective Nouns for Africa will make all reasonable attempts to ensure that product sales are brought to an end when stock runs out.

If it happens that Collective Nouns for Africa is unable to fulfill any order at the advertised price because stock is sold out or unavailable, Collective Nouns for Africa will let you know and you’ll be entitled to a reimbursement for the rand value you have paid for such product.

Termination of Suspected Fraudulent Orders

Collective Nouns for Africa reserves the right to cancel or refuse to fulfill any order that it suspects of being fraudulent.

On occasion, a Client Concierge may request a copy of your official identification document or the front of your credit card to verify the transaction with the relevant bank.  Collective Nouns for Africa may cancel any order where the necessary documentation is not provided in a timely manner (usually within 24 hours).

In the event of a fraudulent purchase being placed on Collective Nouns for Africa’s website, cardholders will be advised to initiate a charge-back via their bank in order to be refunded.  Collective Nouns for Africa does not process refunds for orders suspected of being fraudulent.

Products and Shipping

Collective Nouns for Africa will with best effort inform the person (“user”) of the Courier Company that will be used as well as tracking details and a number and/or website where the parcel can be tracked.

Collective Nouns for Africa will also inform the person (“user”) of the time frame of when they can expect the parcel and/or delivery.

What is 3D Secure

3D Secure provides an extra step during the online payment process to ensure that only you, the cardholder, uses your card.  Also known as Verified by Visa, MasterCard Secure Code or Amex Safekey, it allows you to enter your previously selected PIN/Password or a One Time Pin – helping your bank to know it’s really you shopping online.

Due to an additional focus on the safety of e-commerce transactions, your bank may have already registered you for the service, or you may be required to register during your next online purchase.

Why do we have 3D Secure?

South African banks and e-commerce merchants are implementing 3D Secure to help protect you, the cardholder, against unauthorized use of your card when shopping online at 3D Secure merchants.  3D Secure allows you to authenticate yourself while making an online payment, thereby minimizing the risk of someone else using your card fraudulently.

How do you sign up?

ABSA, Nedbank, Standard Bank, First National Bank and Investec have pre-enrolled all Visa and MasterCard credit card clients for 3D Secure.  Please note: if you are an Investec cardholder, please use your credit card pin when prompted to submit the one-time password (OTP).

The benefits of 3D Secure:

Online shopping is already very secure with high levels of security and encryption whenever you use your credit card.   3D Secure is the next security layer up in that your credit card is further protected from any unauthorized use.  This means that you can shop in total confidence, safe in the knowledge that your card is protected at all times.

How does it work?

If you’ve already registered or have been registered by your bank, you’ll be prompted with an additional screen requesting a One-Time PIN (OTP) or a PIN/Password.  OTPs are sent to the cellphone number your bank has on record for you, while a PIN or Password is a secret code that either you have chosen when registering for 3D Secure or was provided to you by your bank at the time of issuing your card.  Simply enter the OTP, PIN or password and proceed.  If you’ve never registered or been registered for 3D Secure, you’ll be asked to do so when you make an online purchase.  Simply follow the prompts on the screen to register.

The first time you use your 3D Secure enabled credit card for shopping online, the bank that issued your credit card will request that you verify that you are, in fact, the correct cardholder by entering your pin or OTP.

How much does it cost?

There’s no cost to you, the cardholder. Visa, MasterCard and the banks fund all SMS and other costs.

What if I don’t want to activate my credit card for 3D Secure?

If you don’t activate your credit card for 3D Secure before it becomes mandatory, you’ll be required to pay for your goods or services via alternative online payment methods supported by the merchant web site (e.g. EFT).

My card is blocked. How do I reactivate my card for 3D Secure?

This depends on your bank.  However, in most cases, your bank will lock your card after three unsuccessful attempts as a safety mechanism against fraud.  If this occurs, please contact your bank’s help desk using the toll-free number on the back of your card.

What if I suspect fraud in my card?

Please block your card as quickly as possible by contacting your Bank Client Services or Card Fraud division, both of which are available 24/7.  Once the card is blocked, you’ll no longer be able to make purchases or use it to withdraw cash.

Does every South African online retailer use 3D Secure?

The Payment Association of South Africa (PASA) made it compulsory for all merchants to be 3D Secure enabled by 28 February 2014.  This is a good thing as, while it may take a few seconds longer for each transaction, it will certainly strengthen the security of online shopping via credit card.

Tips for a good 3D Secure experience

– Ensure you have the card you intend to use to pay for the transaction readily available.
– Ensure you have your cellphone with you to receive the One-Time PIN (OTP) or you know what your PIN or Password is.
– After entering your PIN/Password, the system may take a couple of seconds to authenticate your PIN/Password.  This is normal – don’t close the browser.
– If you receive an error message, read the message on the screen.  If you’ve entered your PIN/Password incorrectly, you’ll be allowed to retry.  Although infrequent, there may also be other reasons why the transaction failed, in which case we recommend that you follow the instructions on the screen or contact your bank for further assistance.

Have more questions?

If you have questions related to 3D Secure process or need to change your mobile number, please contact your bank for assistance.

Returns and Refunds:

Defective Items, Returns and Reimbursement

If you are dissatisfied with your purchase due to a defect or incorrect product received, you may return it to Collective Nouns for Africa within 30 days of delivery in the condition in which you received it.  You will either receive a refund or have the product repaired or replaced, depending on the situation.

Cooling Off (Cancellation Policy)

Before an order is dispatched, customers are eligible to cancel their order at no charge to them, provided the items they are cancelling are not made to order or are on-demand items.  These items may incur a cancellation charge.  You are allowed to cancel your order within 5 days of being placed if the order has not already been dispatched.  Once an order has been dispatched, the shipping and handling fee will not be refunded.  You may cancel your purchase by contacting orders@collectivenouns.co.za.

Cancellations requested after items have been dispatched and have been delivered, will be treated as a return.  From the date of delivery, you have 7 days to return eligible items in your order for exchange or refund with no re-stocking fee.  After this 7-day period, Collective Nouns for Africa reserves the right to refuse a return or exchange.

Refunds 

Refunds are offered as EFT in the User’s account only.  Refunds take 1- 5 working days to process.  EFT refunds will take 2-3 working days to reflect in your account due to the reflection delay between banks.

Returns and Exchanges

Please note that shipping fees are not refundable.

General Conditions:

Service Disruption

Collective Nouns for Africa reserves the right to limit or discontinue the functionality of the site.  While we strive to be online continuously, we cannot exclude cases in which the webpage may be unavailable.  In rare cases, this may cause data loss.

Collective Nouns for Africa cannot be held liable for cross-browser incompatibilities that cause checkout or payment failures.  We recommend that you browse with Google Chrome, Safari or Firefox.

Intellectual property

Collective Nouns for Africa and affiliates retain all copyright and other rights to services, as well as listings, information, images, videos, and databases (the “Property Protection”).  A modification, reproduction, publication, disclosure to third parties and/or exploitation of the protected property without prior written consent is expressly prohibited by Collective Nouns for Africa and its affiliates.

The Protection of Data

Please see our Privacy Policy for more information on the policy of protecting user data and privacy.

Termination/Cancellation of Orders

Collective Nouns for Africa reserves the right to cancel or refuse to fulfil any order it suspects of being fraudulent.  This includes but is not limited to instances of suspected stolen credit cards.  On occasion, a Client Concierge may request a copy of your official identification document or the front of your credit card to verify the transaction with the relevant bank.  Collective Nouns for Africa may also refuse to refund you on the basis of the transaction being suspected as fraudulent – you may then initiate a charge-back process from your bank if you wish to receive a refund.

Changes in General Conditions

Collective Nouns for Africa reserves the right to revise these terms from time to time.  If you disagree with the general terms we do not recommend the use of our service.  You will be required to accept the T’s & C’s every time you transact on our website.

We reserve the right to ban any individual uploader or website domain from using our services for any reason.

For the purposes of the Electronic Communications and Transactions Act 2002, collectivenouns.africa’s information is as follows, which should be read in conjunction with its product descriptions and other terms and conditions contained on this website:

• Full name: African Mongoosie t/a Collective Nouns for Africa, a private company registered in South Africa with registration number 2019/413264/07.

• Main business: Publishing.

• Address for receipt of legal service:  2nd Avenue, Victory Park, 2195, South Africa; 

•Office bearers: Meggan Schaefer (meggan@collectivenouns.africa)